BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-12
Company: Chime Financial Inc
State: MD
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:
My room mate moved out, after a bad argument. Her and I shared a joint XXXX account where both of my debit card info was in it. When she moved, she blocked me from the account without letting my delete my card info. Since then, someone has tried to login to my XXXX XXXX, and also made a XXXX account with my chime card. Than upon reaching out to her telling her I was notifying the irs and card companies that she has all my socials ( kids socials and my own ) and my card info, she than screenshotted messages receiving messages from my XXXX account with my chime info. Stating that I was trying to use her card, when I have the card in question in my wallet, in my name. But she tried to lie, and say it was hers. I have no idea how she was able to have my card info directed to her personal phone messages. She is on XXXX for XXXX and XXXX XXXX of two banks. She is claiming that Im the one using her cards, when I have proof that I have not made any purchases, or have any access to ANY of her cards! She also is still trying to claim my kids on her taxes,  when I specifically told her she does not have permission to do so. But she has all of my kids socials, birthdays, and even all of my information. She is a XXXX XXXX, so Im not sure to what length she will go. But I want to put a end to it now! I have reported both of my cards stolen, and even changed all my info on some other cards. I need some help please. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The Original creditor XXXX XXXXXXXX XXXX XXXX sold this debt to XXXX XXXX and then they sold the dept to Portfolio Recovery Associates llc. XX/XX/2023 the debt was paid through court in a Demand by XXXX XXXX XXXX attorney at law to XXXX in the amount of {$5000.00} the full amount paid. 
Portfolio Recovery Associates is currently refusing to accept the debt has been paid in full for over a year now and continues to slander my credit. I have made several attempts to provide proof that this debt is paid. I have for a year now attempted to communicate this issue with Portfolio Recovery LLC with no success. I have provided the court case number as well as the attorney 's office who handled the debt. Portfolio Recovery continues to attempt to collect a debt that is paid in full. As a result, I have been denied credit, housing and have had a lower credit score which is preventing me from achieving success in my career and life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent letters and receipts to XXXX that both debts have been paid in full. I also payed to delete and once i paid it hasnt been deleted. 
Both collections need to be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Hi, This complaint is a continuation of the previous complaint XXXX, against Coinbase. 

The account was made available to me for just a few days and was locked again. Since I opened the account with coinbase, earlier this year, it has been under review most of the time with no reason provided at all. 

I have opened about 20 support tickets and most of them were closed within a week ( may be automated ) without resolving the issue. 

I will continue to complain here until problem is fixed permanently and provide a valid reason why Account remains under review.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22
Company: Experian Information Solutions Inc.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

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 2023-08-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To whom it may concern, In accordance with the Fair Credit Reporting act Convergent Account XXXXXXXX XXXX XXXX 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.

The Fair Credit Reporting Act 's ( FCRA ) Section 611 allows consumers to challenge inaccurate information on their credit reports. They are reporting inaccurate information in credit bureaus regarding, they are reporting in some bureaus and no in the others ( please see pictures below ). 
- XXXX IS NOT REPORTING THIS ACCOUNT - LAST PAYMENT DATE INNACURATE IN XXXX AND EXPERIAN - PAYMENT SUMMARY AS EXPERIAN REPORTED PAYMENT ON TIME UNTIL XX/XX/XXXX, XXXX REPORT SAID ACCOUNT CLOSED IN XX/XX/XXXXXXXX XXXX XXXX XXXX

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 2020-02-11
Company: Ocwen Financial Corporation
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
We have a mortgage with PHH ( was with Ocwen up until last year ) the mortgage company will not report our " On Time '' Payments to the credit bureaus. 
We have been consistently on time for 10 years but they wont report to bureaus thus negatively affecting our XXXX XXXX, which costs me every day. Our account number with XXXX is XXXX XXXX & XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX, IN XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Experian Information Solutions Inc.
State: NY
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and updated without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXX Date Opened:XXXX Balance : XXXX XXXX-Late/Closed Late Date XXXX, XXXX XXXX Date XXXX Balance : $ XXXX Late Date XXXX, XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX-Late/Closed Late Date XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX .Date Opened XX/XX/XXXX Balance XXXX XXXX-Late/Open Late Date XXXX, XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX XXXX-Late/Closed Late Date XXXX XXXX XXXX XXXX XXXX .... Date Opened XX/XX/XXXX Balance XXXX XXXXLate/Closed Late Dates XXXX, XXXX XXXX XXXX .... Date Opened XX/XX/XXXX Balance $ XXXX-Late/Closed Late Dates XXXX, XXXX XXXX XXXX .... Date Opened XX/XX/XXXX Balance XXXX XXXX-Late/Closed Late Dates XXXX

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 2020-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
In 2017 I after answering an ad to earn an income from home. I was contacted by a company who explained how they would train me over the course of 6 months to earn a steady income. At the time I was in and out of the hospital and they were aware of my health condition and said that they would work with me no matter how long as they knew I was limited in my time and abilities. I paid the initial fee of {$8000.00} and began their training. A few days later I was asked to pay for another thing for {$6000.00} and it just continued from there. I was led to believe that I was talking to the same company and when in fact I was not I was actually dealing with several companies and these were all telemarketing scammers. They continued to insist that I needed these additional items to do everything legally right. I am writing because I had not realized I was being taken advantage of I was not aware that this is a common scam among the elderly and I need help. I am unable to reach these companies and they never fulfilled the items that I was sold and what they did was not what was promised they misled me an defrauded me. According to the Attorney General, I understand that Telemarketers are requited to refund any money paid under these terms and it was recommended that I contact your agency since my bank is not honoring this and is dismissive of my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: EQUIFAX, INC.
State: MD
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:
I have written 3 letters regarding Unverified accounts reporting three times and different amounts and dates. I 'm asking for the CBR 's by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts they post on my credit report to assure maximum accuracy. The failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C SS 1681, unverifiable proof

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-02-11
Company: Experian Information Solutions Inc.
State: FL
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:
I am a victim of identity theft due to an XXXX  Credit breech.On XX/XX/2020 I have submitted all required identity theft documention to Experian credit services and the following companies, XXXX XXXX XXXX   account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX. They continue to report these fraudulent accounts that are identity theft. Pursuant to section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.and send the required notifications to all furnishers of this information.

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 2022-08-14
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: Information belongs to someone else

Complaint:
On XX/XX/2015 there was an unsecured account open under my name and social security number due to identity theft and fraud in the amount of {$3100.00}, I have tried to have this removed from my credit report and tried speaking to the reporting credit bureau which is Experian to have it removed and never put back on my credit report. The company name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my Experian credit report.

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 2021-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
On XX/XX/2021 I applied for a HELOC with Bank of America. My request was not assigned to an underwriter until 8 weeks later. This was advertised as a no cost, no fee, HELOC however on XX/XX/2021 I was directed to a third party provider called XXXX and order an update to the master HOA policy adding BofA as a mortgagee. For this I was required to pay a fee of {$100.00} for a certificate that looked just like the one I provided them from my homeowners association. I went ahead and paid the fee as I thought we were close to closing. On XX/XX/2021 my loan was declined due to " Collateral Does Not Meet Bank Guidelines ''. Shouldn't this have been established through the appraisal process and other means before BofA required me to incur this expense and place them on my polices as a mortgagee? I feel BofA has engaged in unfair and deceptive practices and should reimburse me for the {$100.00} I needlessly spent due to their incompetence.

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 2023-08-13
Company: Experian Information Solutions 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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2017-08-19
Company: Greentree & Associates
State: CT
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Mortgage company will not explain how a " invalid " late fee of {$54.00} can equal {$790.00} considering this is a monthly fee.

Company response to consumer: Untimely response
Consumer complaint received 2023-04-17
Company: Experian Information Solutions Inc.
State: MI
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX Balance : {$0.00}.

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 2022-09-22
Company: Experian Information Solutions Inc.
State: TX
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:
I paid the settlement amount, {$1800.00} ( total including {$13.00} processing fee ), to the collection account for XXXX XXXX XXXX on XX/XX/22. Experian is still showing the account balance is {$2400.00} even though it should be {$1800.00}. I disputed the error through their site which they rejected within a day of receiving. They did not conduct a thorough enough evaluation to see not only did the amount change but that it is paid and I have provided receipts as proof that it has been paid.

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 2017-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
TransUnion denied me a free credit report because I received on in the past 12. This is not accurate. The last report I got was XXXX XXXX 2016. I got my credit report no problem from the other 2 agencies.

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