BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: NJ
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Persolve, LLC - Legal - Series 2
State: TX
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:
The account should not be on my credit report I have proof from 2019 it was a paid account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: EQUIFAX, 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:
1. XXXX is reporting inaccurately XXXX XXXX XXXX XXXX XXXX account as a potentially negative account. 
2. The XXXX XXXX XXXX XXXX XXXX is a paid account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: LEXISNEXIS
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
15th compliant lexisnexis keeps saying I did not provide new information. What information do they need I provided it I have no idea who XXXX and XXXX XXXX are [ s you can see i have complained about this company 8 times this will be the ninth. Let 's go back to complaints 1 through 7. As you can see they had verified proof that I lived at XXXX XXXX XXXX XXXX XXXX. Guess what the street the address does n't even exist. It was till I did my own research on XXXX maps that I found the street or the address did not exist. Again now after complaints 7 and 8 they are saying I lived at XXXX XXXX XXXX XXXX as verified proof again this is completely FALSE and misleading information!!! Again let me STRESS I want to be crystal clear. lexis nexis stated on 5 different occasions I lived at an address that does n't even exist!!!! Now they are claiming again as verified proof I lived at XXXX XXXX XXXX XXXX. Let me tell you for the 9th time this is FALSE AND MISLEADING information. Again I want to point ot 5 times they said i lived at an address that does not exist. So again I did some homework and guess what the home at the time belonged to a XXXX XXXX and XXXX XXXX.. Not XXXX XXXX . please have this corrected ASAP. They are providing FALSE AND MISLEADING INFORMATION. They did not investigate this just like they did not investigate the 1st 6 complaints

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I HAVE REQUESTED FOR ALL FRAUD ALERTS TO XXXX REMOVED FROM MY RECORD. 
THEY SEEM TO NOT WANT TO HONOR THE REQUEST. 
THIS NEEDS TO BE DONE IMMEDIATELY! 
I AM UNABLE TO USE YOUR WEBSITE BECAUSE OF ERRORS ON YOUR END. I HAVE BEEN WAITING ON HOLD FOR THE PAST 2 HOURS. 

XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX PLEASE SEE MY ID ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: EQUIFAX, INC.
State: IN
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:
Equifax was sent certified mail. They are in violation of my rights as a natural person consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 TransUnion 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 TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-07-14
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: Information belongs to someone else

Complaint:
Experian Report Number : XXXX Date Generated : XX/XX/2022 Account name : XXXX XXXX XXXX Account number : XXXX Account type : Debt Buyer Responsibility : Individual Date opened : XX/XX/2022 Status : Collection account. {$2.00}, XXXX past due as of XX/XX/2022. 

The information is inaccurate. XXXX XXXX is unable to produce authentic proof that accounts or loan obained belongs to me. Yet they are not correcting the issue. Nor is Experian who has negatively impacted my credit report fixing it. Fact is, I have not taken any loan from this creditor or original creditor who sold the debt to XXXX. They both are pointing fingers to each other for the responsibility, but I am being hurt by them illegally and due to no fault of mine. All 3 parties ( XXXX XXXX, XXXX, and Experian ) are acting irresponsibly hurting my credit score and credibility for no involvement of mine, I am not a party to this debt. I never heard or had any bank or financial transactions for this reported account at any of my banks or institutions. Nor did I ever applied for the debt, not I ever heard from any of these 3 parties about it until I saw my score dinged by experian. 

I am a victim of all these 3 agencies. All 3 credit bureaus, XXXX, and XXXX XXXX. 

Similar is the case with another reported debt XXXX XXXX XXXXXXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX Balance {$470.00} This too is not a verifyable debt. I am not sure if information provided to justify this debt is 100 % accurate. 

Under Fair Credit Reporting act, 15 U.S.C. Sec. 1681i ( a ), if anything on reported account is not accurate, the account must be deleted and/or provide me with credible court admissible proof of why the negative reporting against me is justified.

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 2021-02-20
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2021 I logged into my Chime account through the application on my phone. I transferred {$1600.00} from a recent deposit of a grant I received to pay back rent from my Chime account to my connected XXXX account. I checked for 3 days waiting for a deposit that never came to my XXXX account. This was not my first time transferring money from this account to my XXXX and it was successful prior to the {$1600.00} I transferred. I sent chime numerous emails and chats complaining that my funds have disappeared. They assured me that if the transfer fails it was go directly back to my Chime spending account. I sent chime my pnc bank statements showing that a deposit of {$1600.00} was never received. Chime continues to deny my claim and even said that my evidence doesnt prove anything. I want my {$1600.00} back from chime they stole my money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
1. Capital One granted me a loan to purchase my used XXXX  XXXX XXXX at an interest of 14.83 %. I have more than 1 year with the credit, I have made all the payments on time. 
2. I applied for a loan refinance for an interest reduction and was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
There are two " hard '' credit inquiries on my TransUnion Consumer Report from XXXX XXXX  XXXX XXXX, dated XX/XX/2021 and XX/XX/2021, respectively. Additionally, there is an inquiry from XXXX XXXX XXXX ' XX/XX/2021. I do not recognize any of the aforementioned inquiries. On XX/XX/2021, I wrote to the inquiries to request proof that I authorized said inquiries. 

On XX/XX/2021, my letter to XXXX XXXX  XXXX regarding both inquiries was returned to me as " Undeliverable as Addressed '', despite using the exact address on the hard inquiry. So far, XXXX XXXX  XXXX has been completely unreachable to verify the inquiry. 

XXXX XXXX XXXX ' has since identified the inquiry as fraudulent and provided both myself and my husband XXXX XXXX with permission letters to have the inquiry removed. Said letter was promptly provided to all three credit bureaus, including TransUnion. So far, TransUnion has failed to remove the inquiry nor acknowledge my request.

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 2018-05-19
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company is attempting to bill a debt not owed. Insurance was never billed by original company. {$900.00} companies have been provided with billing information multiple times.

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 2022-07-14
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Good morning, My name is XXXX XXXX, Im submitting a complaint against Experian, XXXX, and XXXX. I acquired my credit reports from annual credit report.com and I put in a dispute on a XXXX  XXXX on my report. I submitted my dispute to all 3 bureaus on XX/XX/2022 asking what method of verification did they use to verify my XXXX and no response after 45 days. After no response I called each bureau and explained to the representatives my concerns and I was told the method was verified through XXXX XXXX. On XX/XX/XXXX I sent a letter to each bureaus to delete the XXXX because I received a letter from XXXX XXXX stating that the XXXX was deleted because it wasnt verified. I received no response from XXXX and XXXX. Experian said they verified it through XXXX XXXX which I dont understand how could they verify through XXXX XXXX if the XXXX dont exist on my 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 explanation
Consumer complaint received 2021-08-28
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, I entered into an agreement with Midland Credit to repay I debt. The agreement was to settle the account for a percentage of the total balance. I paid the agreed upon balance in full. I even setup for automatic payments so they could take money from my account monthly. 

After the agreed upon amount was paid in full the company then requested that I pay balance of the original sum. When I called and told them a mistake was made because I paid the agreed upon balance in full they stated that I defaulted the agreement by missing a payment so that it terminated agreement and now the entire balance was due. Few things wrong here.

1. They stated I defaulted which terminated the agreement but they continued to take schedule payments from my account monthly as if the agreement was still in place.

2. They do not provide a definition of default when I asked them to define it they stated that missing 1 payment was defaulting. This was not made know when making the agreement.

3. I setup for automatic payments to be taken directly from my account. I always have money in my account and for some strange reason there isn't money in my account, I have over draft so my bank would still make payment. My bank statement does not show any attempt by this company to take the scheduled payment.

4. This company have made threats via US mail to take legal action if I do not pay the debt. And have made false reports to debt credit companies.

5.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-07
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I tried to withdraw into money into my bank account. coinbase said the transaction was completed however it never got to my acct. Several emails and calls later it has now been over 17 days and I still have nothing. Twice I spoke to support and was promised that I would have my money by the end of the day and still nothing. The coinbase blog is full of complaints about this type of complaint. I am fed up with these people they are just plain stealing.
date of withdraw : XX/XX/17 amount : a mere {$93.00} Three emails with no answer at least 5 calls to support in which I was only able to get through twice. I had to share my desktop with them to prove that I never got the money. I showed them my accts and the transaction logs and was promised that it would be resolved by the end of the day. its going on day 18 now and I have heard nothing from coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Rubin & Rothman, LLC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Both XXXX XXXX. and RUBIN & ROTHMAN , LLC, through practices relating to the attached matter ( XXXX XXXX. vs XXXX XXXX ) have broken a number of laws including The New York State Bar Association Rules of Professional Conduct and the US Fair Debt Collection Practices Act. 

I received the attached complaint from Rubin and Rothman LLC. that lists Attorneys including XXXX XXXX XXXX. On page two it clearly states XXXX XXXX XXXX XXXX. with the Rubin & Rothman LLC address. When an Attorney uses XXXX. after their name and provides a New York address as their place of business, it unequivocally states that XXXX XXXX XXXX practices law in New York State. XXXX XXXX XXXX is suspended from practicing law in California and New York and in New York with a disciplinary history states as Yes '' I spoke with the RUBIN & ROTHMAN Attorney XXXX XXXX on XXXX. I called at the bequest of the Judge in the case that parties speak with each other. I offered to settle the matter for what the potential cost would be for me to mount a defense- {$500.00}. XXXX XXXX declined the amount to settle and refused to provide a counteroffer stating that : - XXXX XXXX was sitting right next to her and purposefully lied that he was suspended for administrative reasons in NY and not disciplinary reasons - That it didnt matter anyway as XXXX XXXX XXXX was not practicing law in NY as he was practicing law only in Connecticut XXXX 
- " Even if you do prevail - we will just file again and " The debt will never go away During the call XXXX XXXX violated my rights under the US FDCPA by asking for all of my personally identifiable information on a recorded line. I was talking with XXXX XXXX to negotiate at the bequest of the judge as a self represented litigant AND NOT as a debtor. This is a distinction that XXXX XXXX was unable to make as she illegally plowed ahead with her incorrect, wrong and disingenuous agenda that offered unsolicited legal advice, threatening, bullying-and harassing behaviors and hung up the phone call mid conversation after saying we can tell that judge that we spoke. 

I have a long list of illegal and sloppy work and actions taken against me by XXXX and XXXX including insufficient production of records, false affidavits and insufficient service.

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 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Transunion has been contacted via certified mail. They are in violation of my rights as a natural person consumer.

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 2020-04-23
Company: AmeriHome Mortgage Company, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Today, XX/XX/XXXX, I logged onto my lenders website. Amerihome Mortgage. I used their online system to attempt to defer my mortgage payment for afew months as my income has been affected by the current virus. Amerihome claims deferment is not an option, only a forbearance which will require I pay all 3 months off as soon as the forbearance is over. That wont be possible, and is also not what has been told to the American people by the government.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021 I made a purchase to XXXX for {$39.00}. The item I received was not the item I ordered, more of a cheap knock-off. I contacted the merchant several times to return the item, they would never give me the information to return the item. I then disputed the charge with my Wells Fargo XXXX XXXX card. I sent several correspondences to Wells Fargo that I had with the merchant. Showing how they would not respond to my returning of the item. The credit card company incompetently handled this dispute. The merchant told them I could return it, but I was never given that information. They did not investigate this dispute thoroughly.

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 2022-02-15
Company: GUARANTEED RATE INC.
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I made my payments for XXXX and XXXX they shredded one of the money orders for a XXXX dollars. So I sent copies of both money orders with my XXXX payment and the express receipts showing when they where received. I didn't get a response so I file a complaint XXXX of XXXX they stated they would have a research team look into it and I have still got a response and they are trying to charge me late charges. I have copies of the money orders and Express forms and all the email correspondences. I am not paying for their mistakes.

Company response to consumer: Closed with explanation