BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-15
Company: Experian Information Solutions Inc.
State: MI
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2023-11-28
Company: World Acceptance Corporation
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX of XXXX  my vehicle was stolen with my wallet being inside wich lead the perpetrator to identity theft & later wrecking my vehicle before being in police custody. 
On XXXX. XXXX. XXXX the defendant plead guilty to misdemeanor theft, evading police, property theft and damage under XXXX. 
I am submitting indictment court issued documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: EQUIFAX, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several things listed on my credit file that I submitted a letter with the documentation they requested and what I received back as an OPEN LETTER with all my personal information and a return to sender unable to deliver. I then checked their site and it's the same address on the envelope. This is not acceptable. What are they trying to do stop me from disputing??????????

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Nelnet, Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
This is my second complaint on this company the information on my XXXX consumer report is not valid, its inaccurate it states I was current and up to date on the month of XX/XX/2019, XX/XX/2019 And XXXX XXXX How was I 90 days pass due on the month of XXXX? If I was current those months before XXXX of 2019 The documents I submit shows the same thing on my credit report on all 13 accounts shows I was on time then all of a sudden there is a 90 late payment I also included copies from my XXXX account where it states I was on time 100 percent My credit is very important to me and the fair credit act states that all my information must be accurate and correct.. I am requesting that nel net update date my consumer report to paid on time, never late just like my XXXX account states.. should they both read the same thing?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
After I closed my account with chime due to poor technical support, they emailed me that they closed my account and i was no longer due a refund. I am entitled to all the money in my savings account plus the refund that Was confirmed with me through an employee prior to me closing my account. After they emailed me they would no longer let me speak to a live person over the phone. They constantly redirected me to their handbook, even when i replied to their response asking for more information, they did not reply. I had previously changed my direct deposit a few days before because i started to feel uneasy about the transparency with Chime, however after closing my account- the following Friday, to my dismay my direct deposit from my employer still went to chime bank. I emailed Chime and told them and they gave me an automated response saying that i was not eligible for a refund again and now I believe they they are not going to give me any money at all. I had asked my employer to try to reverse the funds as i did make the change before the falling out with Chime. In conclusion i am asking if CFPB could help me with getting my XXXX  dollar refund and my saving account money and direct deposit. Thank you for your time and consideration. Have a great day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: Illinois Collection Service, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Sometime in the past I had disputed the medical bill I received from the hospital and then later I received a call from the collection agency ICS. At the time of service I had XXXX and conveyed to the hospital that the bill would need to be billed directly to XXXX and there was no other insurance. That same month I had services at the hospital with another department and they verified that I had XXXX and billed to XXXX. The XXXX services that I received that were sent to collections were indeed covered by XXXX. I was told by the hospital and the collections agency that even if they billed the services to XXXX that it could take too long to pay in and they were demanding monies over the phone or I would be sent a bill for collections. Spoke with the hospital and was told that the bill is covered by XXXX so the balance would not be sent to collections. 

Fast forward to XX/XX/XXXX, the account was placed into collections and is affecting my credit score. I never received a written notice that this account would actually be placed in collections. The hospital never informed me that the balance was no paid by XXXX and I was told the situation was resolved from the last communications back in the fall.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX {$12000.00} I mistakenly paid someone and we asked the bank to collect the money because we didnt not get the merchant we paid for. The bank refused to give us our money back. 
There are other funds that were submitted those were released but not this one

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 2023-08-01
Company: TD BANK US HOLDING COMPANY
State: AK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act NORDSTROMTDBANKUSA  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/2020, I was advised I qualify for a refinance my loan. I spoke with XXXX XXXX and he went over the numbers with me. He advised me that I would need to pay for my own appraisal which I was like hmmm only if I am approved he advised I was and it was ok. He also advised that I can put the amount on my credit card basically and pay it back because once it goes through I wont have a mortgage payment for 45 days. I then took his advise. My loan went on through the process and the processer then advised me that because of my student loans I did not qualify. She then advised me that she will submit the request for a refund. I called her back the next week and she then said she would again submit the request to her manager. I called her the following week no answer and I spoke with someone and they advise they will transfer me and still no answer. I emailed her and she block my email from getting though. Please help with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I invested in a crypto investment currency exchange, but it happened to be fraudulent. 

All of my transfers came from my XXXX wallet. It was over XXXX XXXX. It happened between XXXX XXXX - XXXX XXXX. 

I have traced all of my money to wallets maintained by XXXX, Coinbase.com, and XXXX I have sent the evidence, report, and letter of fraud to all entities. They would like my local law enforcement to work with them to do a criminal investigation, but my local law enforcement does not investigate financial crimes. Their resources go towards public safety. 

The entities are willing to work with government enforcement agencies regarding my case. 

Can you help me?? 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: PENTAGON FEDERAL CREDIT UNION
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a customer who is legally protected by the federal government, the consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report. 
In accordance with the Fair Debt Collection Practices Act ( 15 USC 1692g Sec. 809 ), the Consumer is requesting validation from you ( FDCPA ).

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 2018-12-29
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a credit card with Synchrony Bank / Care Credit. I am unable to make payments currently due to being unemployed. I just moved to XXXX housing two weeks ago. I usually work a small limited part-time job in addition to collecting Social Security XXXX. I currently have no money for food or for the co payment on my prescription medication. I am utilizing a food pantry. I am just beginning to look for a small part time job that I am able to do with my XXXX in the new area that I now live. I have no money, because I used my Social Security to pay for moving expenses, rent, security deposit, etc. I can not make the payment of the amount that is due on my account right now. Synchrony Bank has been calling me four times per day and just sent me a certified letter that is still at the post office, and I have yet to read. I have talked to their representatives many times to explain the situation. I only get Soc Sec payment once per month, so I have no money until my next payment. I will not be able to pay the full amount due until I have a job. I am afraid that Synchrony is going to threaten to take me to court, yet I have no money and no way to pay right now. Please help with this harassment.

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 2022-11-10
Company: Finance System of Toledo, 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:
This is an addendum to my previous XXXX As soon as this office closed this complaint, the account re-appeared back on my credit file. 
This kind of business practice should be against the law. They responded that they did not know what I was talking about, or that I needed to provide proof that this manufacturer XXXX debt was being reported by them on my credit report, they temporarily took the line off of my report, during your initial investigation and upon completion they added it back to my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: Shellpoint Partners, LLC
State: DC
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:
Due to the impact of XXXX on my business Shellpoint Mortgage Servicing agreed to extend a forbearance on my loan payments until XX/XX/2021. 
At the end of XX/XX/2021 my application for loan modification was under review with Shellpoint Mortgage Servicing. 
Shellpoint Mortgage Servicing reported XXXX days delinquent and XXXX days delinquent to my credit report in XXXX and then XXXX of XXXX 
At this time I was not XXXX or XXXX days late as I was protected by my forbearance period and my application for loan modification was under review. I was in contact on a daily basis with Shellpoint Mortgage Servicing and not once was informed that delinquencies existed on my account. 
I reinstated my loan entirely by paying the entire balance accrued during the forbearance period to Shellpoint Mortgage Servicing. 
Since XXXX of XXXX I have been disputing the delinquencies on my credit report with Shellpoint Mortgage Servicing and the credit bureaus to no avail. 
It has been almost XXXX months that I have been trying to remove this negative item from my credit. My account is in good standing and my payments are made in full, and on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

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 2022-11-10
Company: EQUIFAX, INC.
State: LA
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Winklevoss Exchange LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Incorrect exchange rate

Complaint:
XX/XX/21 It all started on this date, with a deposit of {$490.00} and that {$490.00} became more than {$1500.00} from that moment they froze my account without letting me use my account and the worst thing is that I feel robbed by this company they have blocked me since that date without letting me use my funds, We are talking about thousands of dollars, I am desperate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
on XXXX XXXX i sent the CEO of equifax XXXX XXXX ; a statment of fact. demanding he/she provide verification under penalty of perjury. that by law he/she has the right report my XXXX information ; i give nor gave any Writen nor verbally permission to report on my behalf. the reporting is damaging me, XXXX XXXX XXXX if the matter is not correct within XXXX calendar days. i will process with the matter in a district court in front a jury not a XXXX XXXX. am stating on the record and let the record reflected am the consumer, living breathing man, XXXX, XXXX  XXXX  XXXX of name and estate. i have reason to believe and do so great faith

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A billing error between my ex husband ( divorced for XXXX years ) and XXXX cable resulted in a bill of {$1000.00}. Somehow this was in my name for services in his residence. I do not have a XXXX account..My ex husband claims he resolved this error with XXXX long ago but now, not only am I getting billed from a collection agency ( Convergent ) but now it showed upon my credit report. During a 3 way conversation on the phone with Convergent, my ex stated to them I had nothing to do with this account, but they said there is nothing they can do. I called XXXX and they won't deal with me since the account went to collections. I'm hoping you can help me.

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 2022-02-05
Company: Amsher Collection Services, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Unable to validate debt. claims account closed and charged off. However they are reporting the account and balance as open it's illegal to report a charged off account open account needs to be deleted

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
XXXX IS THREATENING LAW SUIT TO COLLECT ON A DEBT I DO NOT OWE TO CAPITAL ONE BANK IN THE AMOUNT {$2400.00}. THEY SENT NOTICE CERTIFIED MAIL WHICH WAS HANDED TO MY MINOR SON AGE XXXX XXXX XXXX, I 'VE ASKED CAPITAL ONE BANK TO SEND VALIDATION OF DEBT WHICH WAS NOT RECEIVED YET THIS HAS BEEN ON GOING NOW FOR TWO YEARS WITH THIS SAID COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Starting around XX/XX/XXXX of this year someone started using my card. At first i thought it was my girlfriend so i didnt pay it any mind, but when i noticed that the transactions were getting higher I decided to confront her and she said it hasn't her. I looked into it and decided to report them as fraud because we couldnt find my card. I reported this to capital one and after making me wait 45 days they said they denied the claim because i logged in multiple times, even though i explained to them multiple times i thought it was my girlfriend. Now i lost about {$3200.00} because they refuse to hear me out. The claim ids are XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: CITIBANK, N.A.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I did a moving job and was paid with a check and the check bounced

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 2023-03-14
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/XXXX Tried to use my ATM card at an ATM overseas in XXXX, was only able to withdraw an equivalent of XXXX USD. Any further attempts to withdraw funds would fail. I also received a fraud alert on my e-mail to which I responded that this transaction was legitimate, I received a message saying the card is now ready to use and to re-attempt the transaction. This did not help. I went back home and called the number on the back of my card and after talking to a rep and a supervisor, I was told they needed to verify my account and that they would call me back once it was done. This never happened. 
XX/XX/XXXX I called again this morning to check on the status of the verification and was told by the supervisor that I need to call them from a " verified phone number '' to resolve this and was promptly hung up. I called for the third time and explained the broken process, since there is no way I can use a so called " verified phone number '' while overseas and the first line agent seemed to be able to resolve my problem partially, she said there were two fraud alerts on my account and according to her, she helped me clear the second one, but the first one still needed to be cleared. So she transferred me over to the " account takeover '' team and then I was told again I need to call back using a " verified phone number '' and I was promptly hung up on. 

At this point I have no access to my funds from the overseas with supervisors hanging up on me. It's difficult for me to speak with someone from the branch where the account was originally open, because of the time difference. This is absolutely unacceptable to be repeatedly hung up on by employees of this company.

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