BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-03
Company: EQUIFAX, INC.
State: CA
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Equifax Credit Bureau is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

FIN XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: EQUIFAX, 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:
# I send to the 3 credits bureau certified letter asking for proof of contract and documents the certificate the people or companies the report to them ( credit bureaus ). Have the proper documents and proof of contract. I need physical proof copy of documents. They do n't send the documents so I demand they remove any adverse information from my credit report. Because that cause a lot of problems to me to get credit buy a car or get a job. Is becoming a so unfair to me the any company the thinking to ruin my life or putting pressure on me. Use credits bureau as weapons to bring me to te point to surrender. I just want a fair treatment I 'm hard working man abuse by the sistem. the this corruption the credit bureau and this agencies have over working people is a unlawful and corrupt. Please help!! I need a proof os contract from this people I need license # s and I need all this on paper. Please if they ca n't provide the contract remove all adverse information of my credit report plus all Inquiries of my report the I get because the unlawful negative info on my credit. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: Dynamic Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
They told me that I could not receive my date of service so that I could verify that the debt has not been paid. They then said they could request it, but only if I paid the full amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Transaction date : XXXX2017 Card type : Visa Transaction type : Purchases Merchant description : XXXX XXXX Merchant information : XXXX, AR Offer ID : XXXX Reference number : XXXX Merchant Name : XXXX XXXX refused to refund {$74.00} to me for defective product

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 2017-08-22
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: Investigation took more than 30 days

Complaint:
Company was contacted in XXXX of 2017 about validation of account. After 30 days letter came in the mail without validation that was requested stating that they were disputing my claim but still has not validated. Company refuses to remove their reporting to all 3 credit bureaus also, even though they were unable to validate.

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 2022-07-05
Company: EQUIFAX, INC.
State: TN
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've recently pulled my credit report and noticed some unauthorized inquires reporting to my credit report. I need these inquires removed at once because due to FCRA anything reporting to my credit that is not accurate must be removed at once. The inquiries are listed in the letters attached below about the unauthorized inquires to each bureau. I do not won't to file for litigation but will if necessary. Thanks for your help with this effort.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Company was contacted in XXXX of 2017 about validation of account. After 30 days letter came in the mail without validation that was requested stating that they were disputing my claim but still has not validated. Company refuses to remove their reporting to all 3 credit bureaus also, even though they were unable to validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: Ocwen Financial Corporation
State: RI
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 filed a complaint with CFPB against XXXX XXXX XXXX and OCWEN regarding a bait-and-switch situation during the closing of my mortgage. They baited me by assuring me during closing that I could at any time cancel my escrow account because I put 20 % down for the purchase. OCWEN switched by refusing to cancel my escrow when I asked them and they switched from 20 % to 25 %. This was not part of the original agreement in written and VERBAL form. After I filed the above complaint with CFPB, OCWEN retaliated against me by inserting a bogus note into my credit report. Their note ( which they admitted to in my telephone conversation with OCWEN ) showed up as an Alert to the Underwriter on a new loan that I am currently trying to obtain. Their negative comment on my report probably also affected my credit score by lowering it some 10-20 points. My credit report had been consistently above XXXX over the past couple of years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022, I tried to log into my Chime account but could not because the company had arbitrarily closed my account. My account was closed without notice or reason ; the failed login attempts were the only way I found out. I tried to call support but the company redirected my call based on my phone number to an automated message on the basis they had closed my account, this effectively eliminated any chance of talking to a real person for support. My only recourse was to send an email and I received a generic response from the company about 11 hours later. Support suggested I was in violation of the Deposit Account Agreement. I read the entire agreement and it's not clear which provision ( s ) I supposedly violated. I was quite surprised to hear that I was in violation of any policy given I did not make any changes to my account info or transaction behavior. Additionally, I just verified my identity and source of funds for Chime between XX/XX/XXXX and XX/XX/XXXX of this year after they flagged my account for review. I responded to Chime 's last message asking for further clarification but they have stopped responding. Chime is currently holding +/- $ XXXX of my money, but I don't know for certain because I can't access any information or get in contact with anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: NJ
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 am XXXX of the people affected by the recent Equifax hack, and I want to file a formal complaint against the company for not only jeopardizing my information but failing to report the leak for several months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: CAINE & WEINER COMPANY, INC.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I XXXX XXXX entered into a consumer agreement with XXXX for car insurance and was a college student at the time. Caine & Weiner opened a collection account on XX/XX/2020 for $ XXXX.XXXX illegally sold my debt to Caine & Weiner ( which is a third party ) .Caine & Weiner is violation of the following 15 USC 1692d ( 2 ) ,15 USC 1681a ( 1 ), 15 USC 1692d ( 1 ), 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have numerous credit inquiries on my report that are not mine and I did not authorize.

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 2018-09-06
Company: BARCLAYS BANK DELAWARE
State: FL
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 credit card company is harassing me with excessive holds on my account. They lock the card before and after every purchase. I feel like they are discriminating against me for some reason because they completely ignore my requests for a credit limit increases, even though I have good credit. 

I recently changed my address and phone number, so they locked my account again and required me to send in proof of my ID and social, they said my account would be unlocked immediately after they received the documents They received the docs yesterday at XXXX XXXX ( Tracking Number : XXXX ) but i still have not been able to use my card.

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 2021-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have sent several certified letters to get charged-offs and collection accounts deleted due to factual information submitted to the credit reporting agency from my name being incorrect, address incorrect, date of last activity different on all three bureaus, account numbers different and more. They did nothing but sent letters stating that the information was verified. I even sent a method of verification letter and I did not get a response to that from anyone. Therefore, I have no choice but to go this route to see if I can get some type of results.

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 2022-07-05
Company: EQUIFAX, INC.
State: IL
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 ActXX/XX/XXXX Account # XXXX XX/XX/XXXX XXXX Account # XXXX XX/XX/XXXX Account # XXXX XX/XX/XXXX XXXX XXXX Account # XXXX DEPT OF EDUCATION/XX/XX/XXXX Account # XXXX DEPT OF EDUCATIONXXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XX/XX/XXXX Account # XXXX XX/XX/XXXX XXXX Account # XXXX XX/XX/XXXX Account # XXXX XX/XX/XXXX XXXX XXXX Account # XXXX DEPT OF EDUCATION/XX/XX/XXXX Account # XXXX DEPT OF EDUCATION/XX/XX/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.

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 2017-08-22
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My XXXX account was closed by BNY Mellon because of recent changes to the benefitwallet portal. I had uploaded the receipts based on the transactions that I had and as per the portal, the payout will only happen only when the account is funded which worked as expected in the old portal. For the new portal, they had asked me to re upload the pending receipts that were not paid out which I did. The new portal decided to send me funds that were not available and it failed and resulted in non-sufficient funds fee of XXXX $ and closure of the account. I called up benefit portal and they acknowledged this was an issue with the new portal ( XXXX Employee ID XXXX ). XXXX also mentioned on the call that she was not aware of this change in new portal and stated she is going to open a case and request BNY to do the below : The case number that was opened was XXXX A ) Reinstate my account B ) Reverse the NSF fee C ) Cancel the 12 transactions that were moved from the old portal to the new portal. I had no idea that benefit portal was changed and would work like a checking account based on how the FAQ clearly stated that payout will only happen once funded.
My claim was closed by benefitwallet operations director stating lack of evidence and are not willing to help anymore. There was no letter or any sort of communication about the payout procedure. The call records of XXXX will also state that all the employees of benefitwallet are not aware of this change. In lieu of this, I would like my account reinstated and NSF reversed

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 monetary relief
Consumer complaint received 2017-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I am currently enrolled in the Early Assistance Program for the 3 credit cards I have with Capital One due to losing my job in XX/XX/XXXX. Capital One assured me that I can pay my balances anytime during the month without any issue. They have since reported me to the credit bureaus on two of the three cards stating that I am 30 days late on these cards. I have paid within the 30 days. I was told by more than one person that I can pay what I feel comfortable with. The total minimum payment for these cards is {$90.00}. I was assured that paying {$5.00} for each card is appropriate. My credit score dropped 62 points this month because of this inaccuracy that was reported. I feel that I was given the incorrect information and mislead to believe that my credit score will not be affected. It unfair that my credit score has been hit because nobody from Capital One can provide their customers with correction information. I would call them to rectify this situation but I feel that I am not getting the customer service support that I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
{$4000.00} wire transfer to coinbase.com my account.. they have not credited my acct with the funds. and the actually rejected it. and said they were sending back within 1 business day.. they have never sent it back as promised.. its been 2 days now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: SYNCHRONY FINANCIAL
State: AR
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have an IRA CD and a family trust CD with Synchrony Bank. on XXXX, 2019 I received two emails within 7 minutes of each other that stated that a trial deposit has been successfully made to an amazon creditbuilder account. We do not own this account. When I attempted to reach Synchrony regarding this issue, I got a recording stating that the number was not a working number and it came up as a spam number on my phone. This is a number for synchrony that I have used before. Every number attempted to reach the bank resulted in the same result. I am concerned that money has been removed from either of both of these accounts.

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 2020-09-25
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chime decided to close my account on XX/XX/2020 and when I reached out on why or how to retrieve the {$20000.00} I had on deposit, they said they could not help and the funds would not be returned. I asked multiple times of how to fix the situation to no avail and no escalation. All the deposits came from an employer that I contract for and I have been received for the last 9 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: Credit Plus 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/17 I received a message from a credit monitoring services that my credit as well as my husband 's credit had been pulled by Credit Plus. I called the company right away and they stated that XXXX XXXX XXXX had used their platform to pull our credit. However, my husband or myself had never given authorization ( verbal or written ) to have our credit pulled. We disputed the inquiry with credit plus ( file number XXXX ) and they stated that it can take 30 days to have the inquiry removed, since XXXX XXXX XXXX has 20 days to respond. We are in the process of waiting for our credit to improve, since we paid off a lot of accounts, and it is still not showing in our credit. It was very important to us since we are going to be applying for a home loan soon and this inquiry can hurt our score and stay for 2 years. It is not fair that consumers go through this. The regulations must be changed and credit companies must request a written signed document before they allow any company to pull credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Resurgent Capital Services L.P.
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:
I disputed an entry on my XXXX report. Originally I did not even recognize the entry because it was reported as a XXXX XXXX  card which I never had. I then noticed it was from XXXX XXXX XXXX and was an account they sold to Resurgent. I had paid off the account and had an agreement that the account would not be reported and removed from my credit report. I have a letter verifying this agreement. Initially XXXX stated they had proof this was my account and I submitted a dispute saying it was to be remove per the agreement with the creditor. I have submitted the attached letter twice and asked for this entry to be removed but XXXX, XXXX XXXX XXXX  and Resurgent refuse to comply.

Company response to consumer: Closed with explanation