BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-07
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:
File for dispute with both Experian and XXXX against XXXX XXXXXXXX XXXX for an existing account with outstanding amount due for over 3 months ( $ XXXX ), under my name. My credit score has since then dropped from XXXX to now XXXX XXXX was able to investigagte and closed the account, however, Experian can not. I have also reached out to XXXX XXXXXXXX XXXX multiple, multiple times regarding such account under my name that does not exist. They have informed me that it has been forwarded to their credit card operations department. This has drastically affected my home buying expereince with pre-approvals with home loans.

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 2022-07-20
Company: J J Marshall & Associates, Inc
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent in dispute letters to them regarding this collection or item thats on my credit But I just get a return letter as they reported The wrong address to the credit bureaus and when I send a dispute letter to the credit bureaus with the return letter they still tell me that is accurate

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Experian Information Solutions Inc.
State: MS
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 disputed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I do not know who they are. They never responded to me, it has been over 30 days. Their trade name XXXX and XXXX XXXX, I have never borrow money from them or applied to them.

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 2023-02-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I banked here previously and believe that I was overcharged for overdraft fees.

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 2022-09-07
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
on XX/XX/XXXX my account was hacked and transferred XXXX from my sons account to mine which was linked. i notified the bank right away and was on phone for 86 minutes. they credited my account and my sons account. after three weeks they took the money back from my sons account. i XXXX him the money back of XXXX on XX/XX/XXXX which he was lost. then they took the XXXX back fron his account on XX/XX/XXXX saying he has to satisffy the negative account. i called chase numerous times and they keep giving me the run around and say its two different cases. its one case and all the records that were showing up on the accounts were deleted. my account showed a credit of XXXX and now its gone. i asked for the phone records of XX/XX/XXXX and they say its deleted. i have spent hours on the phone and visits to to the branch. i keep getting pushed from department to department. all i ask is for is to look at all the accounts and transactions and they say they cant cause the account is closed. my sons account was stolen of XXXX and no body is doing anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
I have captial one credit card Since XX/XX/2018 And its not reported on all three reporting companies please update

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Citi Bank is taking the stance to discriminate unjustly 2nd amendment supporters and businesses by imposing policy that should not pertain to them. 
I urge you to discourage Citi Bank and XXXX XXXX XXXXXXXX to stop these practices. 
Thank you

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 2023-04-03
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
XX/XX/2021 a total of {$90000.00} USD was stolen from me thru the Coinbase wallet app in a XXXX XXXX XXXX scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, 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:
I am a natural person Im a living human being I have rights under 15 USC 1681 Equifax is governed by 15 - USc 1681 and they have violated my rights numerous times I demand the accounts listed below be removed because according to 15 Dash USC 1681 I have the right to privacy and I did not give Equifax written permission to furnish these accounts this may be a case of identity theft which happened during the equifax data breach XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 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 response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that PORTFOLIO RECOVERY would verify the debt. So I took it upon myself to ask PORTFOLIO RECOVERY for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have contacted American Adjustment Bureau on several occasions and told them I am disputing all charges from XXXX XXXX. I have asked for a statement of all dates and amounts owed which they have not provided me. I need originals from this company. They are trying to over collect money from me. Now I see it is on my credit reports. I want this removed off my credit reports. I told them I dispute the charges, and I am NOT paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: Prosper Marketplace, Inc.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX was included in my chapter XXXX Bankruptcy from the beginning. It should not be reporting open nor should it be reporting late. I have contacted the company and they was supposed to stop in the month of XX/XX/XXXX. This is a clear case of false status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-25
Company: AFNI INC.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/XXXX I contacted AFNI who is a third party collection agency located in Illinois to settle a subrogation claim. Upon contacting them they failed to advise of the debt, charged me a fee in order to process my payment which is not legal in Washington state where I reside, and ran my debit card as a credit card which is against the CFPB regulations. They are refusing to provide any receipt that I paid my bill until five business days and when I called to resolve these issues I was at first placed on hold then transferred to a voicemail with no ID, then talked to abusively by XXXX in the compliance department.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-26
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:
I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 


XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-02
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX XXXX XXXX # XXXX is reporting an account to my credit that is past the Statute of Limitations in California. I no longer legally owe this debt and I need it removed off of my 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 explanation
Consumer complaint received 2017-06-21
Company: Experian Information Solutions Inc.
State: CT
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:
I have a number of inquiries on my report from when I purchase my vehicle in XXXX of 2017 I asked the Dealer to send this information to ONE place not multiple, in addition I have a bankruptcy on my credit report that I NEVER filed for, I have never had enough debt for a Bankruptcy.Lastly My Correct Name and Address is as follows XXXX XXXX ( I have never gone by anything else ) XXXX XXXX XXXX XXXX Ct XXXX! Is my ONLY address

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 2017-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
I have a number of inquiries on my report from when I purchase my vehicle in XXXX of 2017 I asked the Dealer to send this information to ONE place not multiple, in addition I have a bankruptcy on my credit report that I NEVER filed for, I have never had enough debt for a Bankruptcy.Lastly My Correct Name and Address is as follows XXXX XXXX ( I have never gone by anything else ) XXXX XXXX XXXX XXXX XXXX XXXX! Is my ONLY address

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 2017-06-16
Company: Experian Information Solutions 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:
XXXX    XXXX   reported that I paid my mortgage 30 days late, when in fact if was only 29 days. They refuse to remove it from the credit bureaus.

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 2022-09-07
Company: Credit Karma, LLC
State: CO
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:
Yes I have been a customer of Credit Karma for 5 years or more and they would tell me that I was pre-approved or I pre-qualified for a credit card and then the credit card company would subject me to run my credit and then I didn't get approved for the credit cards damaging my credit report when they said it wouldn't damage it and now I have negative inquiries on my credit karma account every time I would try to get a credit card that Credit Karma said I pre-qualified or I was pre-approved for

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Experian Information Solutions Inc.
State: GA
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 advised that I did not authorize any of my personal information such as payment history, Balance, and more to anyone. The credit Bureau advised that they would get back to me and then sent me an email stating that they have the authority after I asked them for the wet ink signature that I signed with them or the company they are reporting on behalf of. They replied stating that by law they do not have to when their privacy policy states that they keep a copy on file of the signed consent. 
I am requesting that XXXX, XXXX XXXX and Experian. Provide me with the written agreement that I signed in blue ink that authorizes them to report accounts .... 
XXXX. XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. All XXXX  loan information. 

PROOF OF POSTAGE - XXXX ( XXXX ), XXXX - XXXX, Experian- 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 2022-09-07
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
unable to get any kind of forbearance on my private loans with Navient. THEY NEED TO OFFER IT!!! I can not afford these payments. I could barely afford food, gas and a roof over my head.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: JPMORGAN CHASE & CO.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Unexpected or other fees

Complaint:
I was given a check from a friend for {$85.00} drawn on her Chase checking account. I went to cash it at the JP Morgan Chase Bank ( Branch XXXX ) and used the drive through window at XXXX XXXX on XXXX XXXX, 2017. The transaction took far longer than I expected, and when I asked the teller, XXXX, what the delay was for, she said they were verifying the funds availability. I was then given a sealed envelope with my cash and ID and I opened the envelope about 1/2 hour later. To my dismay I found they had assessed an {$8.00} fee which is almost 10 % of the total amount of the check. Not once did the teller inform me that they were assessing any fee, much less {$8.00} for a check drawn on their bank. I returned to the bank the next morning, as they were closed by the time I discovered this fee. I spoke with XXXX XXXX XXXX at XXXX XXXX on XXXX XXXX, 2017, less than 16 hours  and less the 1 business hour from the time the transaction was completed. I was told that they could not do anything about it because it was completed the day before. They claim they had to charge the fee since I did not have an account with them. My complaint is twofold : They did not tell me they were charging a fee at all and the fee they charged was excessive. I would like a refund of {$8.00} since the check was drawn on that bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Regarding XXXX XXXX XXXX, XXXX, NY XXXX :. I Have Been Attempting To Resolve This Problem With Wells Fargo Mortgage, + Their Attorney. They Are Not Responding + Working With Me. Are Giving Me A Hard Time. I Wish To Save + Keep Our Family Home. Want To Pay /Payoff, Not Having Success. Bank Says To Communicate With Attorney, Attorney Says To Communicate With Bank. Both Communicate, + Then Dont. Say They Cant Communicate With. But Can Take My Money + Have. This Has Been Ongoing. Getting Run Around From All. Am Elderly, Sick, XXXX, On XXXX, Widowed, Poor. Trying To Take Care Of This, Our Family, + My Self. Dont Want To Lose Where We Have Lived For 20 Years. Have Given Them All My Money. Just Want To Keep Home. Will Pay+ Have Tried. This Is  Making My Family, + Me Sick, Stressed!! No Where To Go. Please Help!! Thanks So Much!

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 2017-06-21
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:
This is my second time reaching out to Experian, XXXX, XXXX XXXX to request a investigation on the following account. XXXX I am not requesting Experian to validate the information that is reporting. I was a Victim of Identity theft I have provide the police report and FTC regarding this account. After contacting the first Collection that was reporting the account XXXX XXXX XXXX XXXX this company sold the account to XXXX XXXX XXXX. After I requested the company to remove this account due the fraud. I am requesting Experian to BLOCK the reporting of this account from being reported and resold by debt buyers.

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 2017-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my second time reaching out to XXXX, XXXX, Trans Union to request a investigation on the following account. XXXX I am not requesting XXXX to validate the information that is reporting. I was a Victim of Identity theft I have provide the police report and FTC regarding this account. After contacting the first Collection that was reporting the account XXXX XXXX XXXX XXXX this company sold the account to XXXX XXXX XXXX. After I requested the company to remove this account due the fraud. I am requesting XXXX to BLOCK the reporting of this account from being reported and resold by debt buyers.

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 2017-06-21
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Have applied for many loan modifications Just received a denial this week in XXXX ; letter is dated for XXXX, XXXX. Then received an email of an approval. Ocwen used an income figure of {$9000.00} per month calculating my payment to {$2200.00} I am on benefits of {$1600.00} per month because of a car accident and will resume full time employment in XXXX, XXXX per the doctor Ocwen has made so many mistakes it unbelievable Where are they getting that kind of income and I have never sent updated income from my employer since I have been out of work

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: Cottonwood Financial Ltd.
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Contacted me again after I advised that I am being represented by an attorney to reorganize my debts. I advised  XXXX  to not contact me again by phone and to refer all inquires to my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Credit Karma, LLC
State: KS
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 a Credit Karma account that I started last year. Since then, I have gotten notified through logging on with them, that I would be approved for a credit card and twice I have applied, still no card, even though they CLAIM I have EXCELLENT approval odds.

Company response to consumer: Closed with explanation