BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-12
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:
On XX/XX/2021, 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 Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: MORTGAGE CLEARING CORPORATION
State: OK
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 filled a CHAPTER-XXXX  BANKRUPTCY That was DISMISSED and My Mortage was included. But the Mortage company " MORTAGE CLEARING CORP '' is still reporting the the Reporting Angency 's after 2 years. And they reported XX/XX/XXXX and my BANKRUPTCY was Dissmissed XX/XX/XXXX. It dropped my score significantly! They waited 2 years and false reported knowing that it was dismissed. 

On top of that it is in the law under 15 USC 1681 ( a ) under the exclusions ( b ) that this has to be excluded from my credit report, so how is it that this is even reporting. This is wrong and it is affecting consumers but they don't care.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07
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:
Chime Bank took {$260.00} out of my checking account stating it was to pay my SECURED visa card with them. As the money I used on my Visa card was mine, they should not have taken this money. When I first opened the account, I was assured that this would not happen to me. I called & was told that it was not in error. I send many emails about this & only received form emails back. They refuse to refund my money & so I can not dispute this error, they removed the withdraw from my account. As I live on Social Security, I advised them I needed every dollar. I was hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: AXOS FINANCIAL, INC.
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have an Axos Bank account with their Axos XXXX  product. I never opened the account, but it was created after a previous bank ( XXXX ) was acquired. When I was attempting to file my taxes on XX/XX/2022, I realized that most of the cost basis information was missing on my 1099-Combined form. This means my tax liability is much higher than it should be. I have had to file an extension and they continue to be extremely unresponsive in resolving this. I sent my first support request through their Customer Portal on XX/XX/2022. During a call on XX/XX/2022, a customer support employee advised that he would send the cost basis information, but the documents he sent did not have the full cost basis information as promised. During a call on XX/XX/2022, I was advised that they did not have all the cost basis information from when they changed clearing houses, but that this was a common issue and they were looking to get that information. Since then, I have been stonewalled in my attempt to get any information or updates on the cost basis information. I have attached all of my messages through their Customer Portal ( Case # XXXX, XXXX, XXXX. I called Axos Bank on XX/XX/2022, XX/XX/2022, and three other subsequent times in XXXX ( one of which I placed myself in their queue but never received a return call ). On one of these calls, I was promised that a supervisor would contact me, which did not happen. I can not file my taxes without this cost basis information, nor can anyone else in my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: ERC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have sent the collection agency multiple letters. They refused to validate the debt. They never notified me it was added to my credit in XXXX. They refused to correspond at all in this debt. I HAVE DEBT VALIDATION WRITTEN LETTERS XX/XX/XXXX, XXXX XX/XX/XXXX AND XX/XX/XXXX. ERC removed one acct for {$67.00} but did not remove the other acct for {$270.00} for XXXX. XXXX, XXXX  and XXXX  refused to correspond to method verification that they actually reached out to the company and verified the debt. they have exceeded the 30 days under federal law to supply evident this is a valid debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: NAVY FEDERAL CREDIT UNION
State: GA
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:
Rep advise me that i can get a deferral on the acct to COVID 19, advised the rep that i would like that option, still paid the acct when i received the funds, tried to fix with creditor, she advised she could do anything, she did state she seen when i talked to both reps prior to my next due date, i never been late on this acct or had this problem until i contracted 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 2021-03-09
Company: FIRST ADVANTAGE CORPORATION
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
First Advantage performed a background check on me on XX/XX/2021 for employment screening purposes. A Felony & Misdemeanor Record Search produced a Petty Misdemeanor result for me, however, I've never been charged with any type of crime let alone this specific crime. I believe this petty misdemeanor was someone else with my exact name and date of birth. 

This misinformation has not held me back from employment, but I would prefer this not be tied to my name any longer. I have a common name so a more thorough search should be performed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have been in dispute with this company for several months. They have continued to ignore my requests for information regarding this account. 

They have contacted me even after I requested them to stop if they were unable to provide the requested information. 

I just noticed they are reporting this collection while in dispute to the credit agencies. The collection while in dispute is showing and negatively effecting my credit score.

I have asked them to remove the reporting, but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have sent the collection agency multiple letters. They refused to validate the debt. They never notified me it was added to my credit in XXXX. They refused to correspond at all in this debt. I HAVE DEBT VALIDATION WRITTEN LETTERS XX/XX/XXXX, XXXX XX/XX/XXXX AND XX/XX/XXXX. XXXX removed one acct for {$67.00} but did not remove the other acct for {$270.00} for XXXX. transunion, XXXX  and XXXX  refused to correspond to method verification that they actually reached out to the company and verified the debt. they have exceeded the 30 days under federal law to supply evident this is a valid debt

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 2021-10-25
Company: Coinbase, Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
For some reason, I was unable to log in with my password and tried to reset the password, but when I try to continue with the 2-step verification, another phone number appears that does not belong to me. It seems that my password and other information have been changed, also I tried to contact them in customer service where they told me that my account had no money and to proceed to delete it and create another, not being able to recover the amount of {$1200.00} this was on Saturday XXXX around from XXXX XXXX  thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
derogatory remarks for something which I had no control over, these need to be removed from my credit report and satisfied due to a worldwide pandemic, my credit score was XXXX before the covid disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Self Financial Inc.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened an account with Self so I can improve my credit a few months ago. I made a series of payments into my account but just realized the program was not explained well and seem to be losing money instead. I closed my account and asked for a refund but the company is only refunding a portion of my deposits and keeping interest. I was also charged about {$10.00} to open the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: Comerica
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
XX/XX/2018 This institution sent a new debit card to a unknown person at a unknown address alouing them there on pin. While canceling my card. My account was cleaned out before I knew anything. {$900.00} just gone. I could not pay bills buy food I was just doun. I got a card in the mail about a change of address 2 days later. Thin sent me a letter telling me ther investigation conclude that I was some how involved and I would not be reimbursed any money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: WELLS FARGO & COMPANY
State: GA
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:
Traded in vehicle and the finance back was Wells Fargo, there is over {$300.00} left on the vehicle and they updated on XX/XX/XXXX to XXXX but the car was already traded by then and it should be showing the {$300.00} amount

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 2022-06-12
Company: Experian Information Solutions Inc.
State: MO
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Has violated My rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A Section : It also states a consumer reporting agency can not furnish a account without my written instructions. Account number XXXX appears several times on my credit under different names. I have no knowledge of these accounts and would like to see a signed contract. Also these accounts listed above dont match all 3 credit bureaus have different information on each accounts, Different dates and amounts etc. I have sent several letters trying to get this taken off my credit with no help.

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 2022-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated My rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A Section : It also states a consumer reporting agency can not furnish a account without my written instructions. Account number XXXX appears several times on my credit under different names. I have no knowledge of these accounts and would like to see a signed contract. Also these accounts listed above dont match all XXXX credit bureaus have different information on each accounts, Different dates and amounts etc. I have sent several letters trying to get this taken off my credit with no help.

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 2022-06-12
Company: Experian Information Solutions 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:
There is a False Bankruptcy reporting on my credit report. I have requested the removal of this item several times. ( Account XXXX ) This is illegal to report false information This bureau has stated several times it verified the item thru XXXX XXXX which is false. Attached is a copy of my XXXX XXXX  report stating there ins no item reporting. I will be forced to file a lawsuit if this item is not removed 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 2020-08-19
Company: TRANSWORLD SYSTEMS INC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have reached out to XXXX XXXX Incorporated. 
To pay Some out standing debts because they had put leans on my drivers license and i need my license to work. After paying over XXXX dollars toward 3 very specific accounts they applied ALL the money towards 1 single account which resulted in an over payment. I was GARUNTEED the clearance letters for all 3 would be sent to the courts within 48 hours and now we are 2 weeks past that and they have still not applied the remaining funds towards the correct accounts nor have they sent the clearance letters to the courts and they have also sent me NO DOCUMENTATION that i have paid anything at all., I have called literally 23 times, 90 % of the time because i am not calling to simply offer my credit card for more money i am hung up on immediate. Literally i am being hung u on 3-5 time each day until i demand a super visor and told things like i don't have to help you " or you shouldn't get debts '' or we don't care about your license '' after 23 phone calls in the last 3 days they are  essentially holding my Drivers license hostage because the " rep '' that took y payment simply wanted to collect, get the bonus or commission and NOTHING TO FOLLOW UP WITH THE LEGAL and required proscessing of my ayments to the correct accounts or reporting to the courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: Experian Information Solutions 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:
The credit bureaus stated that my account was properly investigation, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under 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 an account without my written instructions. 


I have sent several Disputes to XXXX, Experian and XXXX about the inaccurate items on that are reporting on my credit reports last sent XX/XX/XXXX. I requested documentations to proof and verification of these reporting 's. I still have not received the fact findings of the accounts. 
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. They have refused to provide the proof of these accounts. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 and SECTION 617 Kindly acknowledge this last composed OFFER OF SETTLEMENT BEFORE LITIGATION as my endeavor to genially resolve your proceeded with infringement of the Fair Credit Reporting Act in regard to your refusal to erase INACCURATE, Unverifiable and Invalidated data from my purchaser document. You have NOT given me a duplicate of ANY unique documentation ( A buyer contract with my mark on it ) as needed under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Moreover you have neglected to give the strategy for confirmation as needed under Section 611 ( a ) ( 7 ). If it's not too much trouble, be exhorted that under Section 611 ( 5 ) ( A ) of the FCRA you are needed to " promptly DELETE all data which can't be confirmed. 

You will find attached all the items that are not 100 % accurate. That I demand to be removed 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 non-monetary relief
Consumer complaint received 2019-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 send my dispute to transunion due to an improper investigation, date XX/XX/2019 until today I don't have any answer attach copy of my letter

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 2019-07-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Capital one was just put on my credit for a inquiry I been had the app. So I went to login it tells me my personal information doesnt match. How could I apply if my ssn name doesnt match

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
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:
XXXX # XXXX and XXXX XXXX XXXX has multiple names and continue to duplicating accounts on my credit reports. This account has been paid. Both creditor and collections are reporting incomplete information misleading potential creditors offers. XXXX XXXX exceed XXXX year statue for reporting. 

Capital One Best Buy paid as well all adverse information listed on credit report is incomplete. 

XXXX XXXX XXXX XXXX Bank are all the same duplicated accounts.. I have record showing I paid this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: Aldridge PIte Haan, LLP
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I attempted to call the agency on several ocassions to setup voluntary pays however the rep refused to assist me and stated that they would just sue me. I asked for proof of the debt which I never received and several requests were made to secure the proof of the debt. The rep was unprofessional and he laughed when I asked about resolving the account. Ive made several attempts and on most days the rep never is available. The rep gave false information to me about my ability to setup arrangements on the account and then my wages were garnished without any notice. XXXX  XXXX was unprofessional and rude.

Company response to consumer: Closed with explanation