BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I got my 3 credit bureau report from XXXX which is a service provided by XXXX. When I got my reports on XX/XX/XXXX, my credit scores were as follows : XXXX : XXXX XXXX : XXXX Equifax : XXXX Later on today XX/XX/XXXX when I obtained my 3 credit bureau report, it showed that my score has dropped significantly, as follows : XXXX : XXXX XXXX : XXXX Equifax : XXXX There has been no changes to my report between XX/XX/XXXX and XX/XX/XXXX. No inquiries, no new debt, no new accounts, no missed payments etc. So I do not understand what caused this massive score drop. I tried to contact the credit bureaus via phone but they couldn't explain what caused the score drop even when there were no changes to my report and said that they can only file disputes. Since they were not able to provide me with a reason for the score drop, I don't understand what information I needed to dispute. 

The only reason I can think of is that, I disputed a XXXX account with all 3 credit bureaus. Probably, my dispute, changed the charge-off date to show that it happened recently. Probably in the eyes of XXXX it shows that the charge-off just happened and my scores dropped. Apart from this, there is no other reason for such a huge score-drop. If this is the reason, this is a violation of protocol where the bureaus need to report accurate information. They can not change the charge-off date to recent when it had happened over 2 years ago. As mentioned on CFPB website, filing a dispute does not renew the debt neither does it change the date. If it does, this is a huge step back for consumers who wants to file a dispute. I have attached my credit reports from XX/XX/XXXX and XX/XX/XXXX, which shows all my account details as well as my credit scores. 

If filing a dispute results in a score drop, US citizens are not safe. I am trying to get a home loan, but with this massive score drop, my chances of approval will be very slim and even if I get approved, the mortgage rates will be really high.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: Bread Financial Holdings, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I received a settlement offer on PayPal indicating to pay a reduced amount of the total amount due. These are the words exact words of the settlement plan from PayPal on my PayPal account : " Settlement Plan The Settlement Plan lets you settle your account for 70 % less than the full balance you owe. '' I spoke with multiple PayPal personnel and even though they see and agree with what it says they will not grant me it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: Source Receivables Management LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been trying to remove this {$620.00} debt XXXX original creditor, from my credit reports for the last 3 years as this debt does not belong to me, when continued letters of correspondence with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX, and now with Source Receivables XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX Management requesting documents to establish validity such as signed contracts, signatures, what services or equipment was obtained, tangible evidence neither XXXX or Source Receivable Management the present collection agency have not sent me acknowledgement of the requested documentation, nevertheless while in dispute status this still is reported to all the credit agencies, and the original creditor sold the debt to the above collection agency, and has continued to report a balance owed. Thats double the damage and is not permitted, Under the Fair Debt Collection Practices Act, debt collectors must send the consumer a written notice of the debt within 5 days of initial contact with you which never happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
Company: Resurgent Capital Services L.P.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. 

Any other action ( or inaction ) on your behalf will result in a small claims action against your company. 

I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 



P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have reviewed a copy of my credit report and I show company XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: ERC
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX an account was opened for an debt that is and was owed by me in the amount of {$120.00}. This was sent to collections and appeared on my credit report as a derogatory mark. I have not received any documentation or correspondence regarding what this debt is in regards to nor how to resolve it ( pay it ). I have disputed this amount twice now, and still have yet to have it removed as of XXXX. I have received false debt collections on my credit report previously as well, so I suspect this may be due to fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XXXX my credit card was a victim of fraud per Bank of America. They ordered me another card ending in XXXX but refused to tell me what merchant it was. Stated that they can't release that and merchant is allowed to operate with less than top security level on their point of sale equipment until hack occurs then they are forced to get top security. This means that anywhere I go could be saving money and using less than top security point of sale equipment and then bank can refuse to tell me who merchant was so I can go back, not knowing, and be a victim with another card. Next on XXXX XXXX XXXX, I had a transaction with XXXX  for a ride to and from a friend 's house that I paid for, including tip and it was collected by lift off Bank of America card and then 2 days later they temp authorized two other charges. I tried to dispute and Bank of America rep refused to open a case disputing this giving me excuses. This is my second complaint on them. The first complaint someone from Bank of America called me left 2 messages saying they needed info, I called back they never called again and made no effort to do anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: The CMI Group, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have reviewed a copy of my credit report and I show company XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
this Hard Inquiries comes on my credit report would like it to be removed XXXX XXXX Inquiry : XX/XX/2018 + XXXX Inquiry : XX/XX/2018 - XXXX XXXX, XXXX Inquiry : XX/XX/2018

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/XXXX my credit card was locked with no notification, email or by mail which is against company policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
Company: Coinbase, Inc.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Coinbase has locked me out of my account for approximately one month, which includes approximately {$1400.00} in my wealth. I have been locked out of this account despite filing a CFPB complaint on XX/XX/2021 ( XXXX ). 

As I mentioned in that complaint, I no longer have access to the email address on file with Coinbase ( XXXX ). The only reason I had to use that email address for my credentials is due to Coinbase erroneously trading XXXX on my account ( XXXX filed on XX/XX/201 - this error was never actually resolved, and the company blatantly lied/ignored that I did not place a trade that ended up costing me money ) and subsequently locking me out of my account when I attempted to reach customer service ( apparently attempting to contact the company is grounds for freezing accounts, which is awful customer service ). 

At this point, I can not access my account, which has implications such as : - My wealth being tied up in cash when it should and would be deployed into appreciating assets otherwise - My inability moving forward to access tax documents pertaining to realized gains/losses on Coinbase crypto trades, which will hamper my ability to accurately file taxes with the IRS At this point, I know the company is terrible - but I am asking that I once and for all get access to my own wealth. When that happens and I can move my funds off the platform, Coinbase won't have to ever hear from me again ( as I will never use this company again ). 

If I am not promptly contacted via phone ( XXXX ) or my actual, current email address ( XXXX ), I will continue filing CFPB complaints every month, I will seek legal action via class action lawsuits, and I will do everything in my power to let everyone in my network understand the issues with Coinbase ( and subsequently why they should use competitors, such as XXXX, XXXX, etc. ). 

To be abundantly clear, this means that the typical non-sense " help '' email from Coinbase to an email account I can not access is not an acceptable outcome, nor is it even a resolution in any sense of the word. 

Coinbase should be ashamed and embarrassed by the customer service deficiencies that have become glaringly obvious over the past years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Used XXXX to plan a trip my card was charged in total {$2700.00}. I emailed XXXX tried calling, I knew COVID was effecting travel but never dream a company would take advantage in these times. I filed a dispute with Barclays within the time frame and was told they could not help me. My husband and me are retired and on a fixed budget. Please let me know what can be done. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
They offered help for a forgiveness application, but they never sent me the correct form to fill out. They dance around and avoided any and everything to said they could do to help me. Then they started all over again concerning how much I owed them, and how much can I pay them on the loan that XXXX XXXX used at their advantage. This was back in 1977.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: First Federal Credit Control, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I submitted a complaint for XXXX XXXX XXXX XXXX XXXX Ohio. My XXXX score remains low. My XXXX  score is fine. Why is XXXX XXXX and XXXX  XXXX? The hit to my credit with First Federal has been paid and the address with doctor corrected and my credit scores are not nearly the same. I have contacted a lawyer to contact First Federal. I had the same problem with XXXX before. If my credit scores are so vastly different there is a problem. My problem is historically always with XXXX. Not sure what they are doing but its not correct and should be corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
In XX/XX/XXXX, I opened a Chase Ink account for my XXXX XXXX, XXXX XXXX. I wanted to compound the points we had earned on our Chase Sapphire card with the XXXX points I would earn after spending the required amount on the Ink card. 

We received the card. We spent the requisite amount. We received the XXXX points. We then stopped using the Ink card and resumed using the Sapphire card. 

In mid-XXXX XXXX, we logged in to Chase Ultimate Rewards and discovered that the Ink card was no longer on our account. The Sapphire card was there. The Chase Freedom card, which we also never use, was there. But the Ink card was gone, and with it, the XXXX points we had earned. 

In mid-XXXX  XXXX I called Chase Customer Service twice. They informed me that the account was closed in XX/XX/XXXX due to inactivity, and that in XXXX, we were sent a letter that the account was closed and that we had 30 days to use or lose our XXXX points. We did not receive that letter. After speaking to a supervisor, I requested that any correspondence documenting Chases intention to close our account be re-sent to our address. We still have not received anything. Chase certainly has our mailing address, as weve been receiving and paying our Chase bills for many years. 

On XX/XX/XXXX, on the advice of the Chase Customer Service representative I spoke to, I wrote to the Chase Executive Office to request that Chase return the XXXX points we earned to our Chase account. There was no reason to close the account ; we were not delinquent on any payments, and we did not even have the opportunity to pay the yearly fee. We still have never received any letter or other communication indicating that our accountand the points with itwas vulnerable to being closed. 

In that letter, we asked XXXX to respond within a week of receiving the letter or we would report this complaint to the CFPB, which we are now doing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-11
Company: Chime Financial Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had a active account with CHIME and out of nowhere In XXXX they send me a email saying they had closed my account and I had over {$500.00} in my account and was told that I would mailed my money by check within 30 days its been months later and nothing Ive tried calling and they have my number blocked and they wont respond to my emails. I want my money back!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
After reviewing my current Experian credit report I once again notice that Experian is in violation of fcra rules 1681. 

Account : ( XXXX XXXX XXXX XXXX ) original creditor : XXXX XXXX XXXX ; inaccurate reporting, unverifiable account. 
Note : this account was reinserted back in XXXX of 2020 and was deleted in XXXX of 2020. 

And now has been reinstated again as of today XX/XX/2020 Experian continues to reinsert this account without letter of reinserting 5 business prior to reinserting as required by federal law fcra rules 1681. This a violation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-26
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was sent by mail the PHH Mortgage Trial Period plan XXXX. I have made all XXXX required trial payments in the amount of {$380.00}. I received a property foreclosure sale letter from the foreclosure attorney stating my property will be sold XXXX. 
I don't think its right that my house is going to be sold and I have made my payments. 
Payments were sent by XXXX XXXX, I'm attaching the receipts. I feel I'm being discriminated against because I'm a XXXX elderly man. I think that regardless of what I do per the request of the mortgage company they are going to foreclose on my home. Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX should not be reporting that I am ( 30 plus ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a letter from XXXX XXXX dated XX/XX/2020 confirming they have submitted the necessary documents needed to remove these lates that are currently reporting to the bureaus. This letter states these changes should have been made within ( 30 ) days however, the bureaus are still reporting incorrectly. This false reporting of lates is seriously harming my credit score and need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information. I have contacted the bureaus to remove these but I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation