BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-23
Company: ID Analytics, Inc.
State: PA
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:
This complaint is regarding Sagestream Services failure to provide a credit report and show common decency toward a consumer. In a letter dated XX/XX/2020, XXXX XXXX informed me of an adverse action on my credit card application based off information provided by Sagestream. The specifics did not make sense so I decided I would reach out to Sagestream to check for errors on my report. In a letter dated XX/XX/2020 I contacted Sagestream requesting a copy of my credit report and received no response. On XX/XX/2020 I called Sagestream and left a voicemail but received no response. On XX/XX/2020 I also called Sagestream, left a voicemail, and received no response. Finally I sent another letter by certified mail on XX/XX/2020 which Sagestream received on XX/XX/2020. As of XX/XX/2020, I have received no response. This is my first time formally reporting Sagestdream, but my experience in the past and present is that no one communicates from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: Comerica
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
My card was used without my permission on XX/XX/2021 for several charges at XXXX, XXXX XXXX, and XXXX XXXX for a total of {$3900.00}. After speaking with Direct express about the transactions the customer service rep started the claim. She did not go over the charges with me she said that she would send me a form to fill out. I completed the form and included the charges that I did not authorize. Because the rep did not go over the charges with me and 2 charges were included in her claim from XXXX XXXX they denied my claim. I call back and spoke with another rep who said that he would send the email to the supervisor who would be able to reopen and they declined. Even though the rep said he can see that i never used my card the way it was used on the XXXX of XXXX and i have been with them a long time they refused to give my my money back. It is had to talk to this company and they take advantage of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I 've been requesting my annual credit report and have not received anything fromTrans-Union after requesting me to submit qualifying documents, in which I submit copies of my Drivers license, Military ID, Utility bill and a copy of my SSN, all this since XXXX XXXX, 2015 and have not received nothing from.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-29
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
initiated file with CFPB in XX/XX/2018. # XXXX XXXX. Received notification via email that company had responded. They have not responded to me. Why does CFPB indicate company responded and case is closed?

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 2021-03-14
Company: EQUIFAX, INC.
State: OH
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:
The accounts listed below are reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. XXXX XXXX XXXX I # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I lived in the apartments that sent the amount in question to collection. I moved out of the apartment on time ( 2019 ), turned in my keys and left a forwarding address. I never received notice of anything owed, nor was I given my deposit back. Based on my lease and and XXXX, landlords have 30 days to provide written notice of any damages or anything that is to be paid that the deposit doesnt cover. I was never given any of that. Also, this is an outdated claim as I have since purchased a house. Ive never had issues with paying any outstanding balances upon move out. This claim is false and I shouldnt be obligated to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
The XXXX XXXX account was disputed, and Trans Union shows a cut off deletion date of XXXX XXXX. Trans Union shows a cut off deletion date of XXXX XXXX. The account went into default in XXXX, and XXXX XXXX extended the 7-year rule timeline illegally. The Federal Trade Commission has in the past fined XXXX XXXX for timeline re-aging issues, and this account is no different. Accordingly, I believe Trans Union did a poor job in its reinvestigation, and that they should remove the item immediately and permanently. Attached is the necessary documentation required to stipulate my position that the 7-year rule applies.

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 2023-02-23
Company: Bread Financial Holdings, Inc.
State: NY
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 received an alert from XXXX that there was a hard inquiry under my info for Bank / Credit Card Inquiry COMENITYCAPITAL/IKEAVC. 
I did not at any time make this application. Was on hold with ikea credit card fraud department for over an hour. No help provided. Just left on hold.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: World Acceptance Corporation
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This irritates me! I've already spent months sending disputes and filing complaints, but I'm not seeing any results from them. This is causing me a lot of pain and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I canceled my auto insurance with XXXX in XX/XX/XXXX, then they sent me a closing bill covering the final month of coverage which they informed me I would not be charged. I believe it was XX/XX/XXXX I noticed a collection from AWA Collection service and I contacted them regarding collection and they said it was for XXXX ( XXXX XXXX XXXX XXXX ). I contacted XXXX and they could not find any collection for me. I recently saw on my credit report the collection is still there and it showed the reason my score was lower and AWA added to the balance. I do not owe any funds and they are not removing the false charge and they are adding to the alleged amount owed. I hope you can help, my credit score is near 800 and I must keep it there, I always pay my bills, but I do not owe this one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Maximus Education, LLC dba Aidvantage
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have spoken with aidvantage several times and I always get a new story. Im trying to set up payment plan. They sent me a form that doesnt match anything that was said on the phone. The last servicer was much better. They even admit that a lot of new people have been hired and training tools dont provide a lot of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
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: Account information incorrect

Complaint:
This account has been falsely verified as accurate by Transunion, XXXX and XXXX XXXX after I submitted an dispute in XXXX, XXXX More specifically, I'm reference the fact that : 1.The Charged of month is incorrect. This account was charged off in XXXX not XXXX of XXXX as it shows on my credit report. 2.The payment history is incorrect. On XX/XX/XXXX, my reports shows a 60 day late, how is this accurate when I made a payment on XX/XX/XXXX, how can I jump to a 60 day late without being 30 days late the previous month??? Besides, I made a payment of XXXX on XX/XX/XXXX. In XX/XX/XXXX there a 30 day late reported, but the following month in XXXX shows a 90 day late, how can you go from 30 days the 90 days late in 2 months? These inaccuracies have been verified as accurate which violates the FCRA section 623. There was no reasonable investigation done as outline by the FCRA section 1681i to insure maximum accuracy 1681e ( b ).

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 2022-10-26
Company: Harris & Harris, Ltd.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Got a text from a number that claimed I needed to contact XXXX , Harris & Harris debt collector for something regarding the turnpike. After blocking the number I looked up the company and all I saw were bad reviews claiming they were a fraudulent company only focused on claiming debts that were not owed by the people they were harassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: WELLS FARGO & COMPANY
State: GA
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 filed a dispute regarding the incorrect items on my credit report It has been well over 30 days. I have not received any investigation results, or any satisfactory solution. I previously submitted a CFPB complaint ( case number : XXXX ) with all required and Identifying information and items still remain on my credit report. I received a request for information as a resolution. They do not have any investigation results at all.

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 2016-03-25
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I submitted a dispute with all three credit bureaus ( XXXX/Experian/XXXX ) informing all parties such as the Credit Bureaus and the creditor that these accounts does not belong to me due to been a victim of identify theft during XXXX data benches. After notifying the credit bureau via online disputes/phone calls/letter notification I continuously receive notification stating " verify ''. I requested supporting documents from both parties requesting signature, contract, state license information and etc. Under the Fair Reporting Act I understand my rights as a consumer and verify the matching of my name and social does not coincide with verification. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate with accurate documentation be provided. I have submitted a claim with Federal Trade Commission regards to this issue. It is my right If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.

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 2022-10-26
Company: Security Credit Services, LLC
State: NY
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:
I5 USC I681 section 602 states that You have the right to privacy ' 15 usc I681 section 604 ( a ) Subsection 2 states that A consumer reporting agency can not furnish an account without your written instruction 15 uSc I666 ( B ) A creditor may not treat a payment on a credit card account or open end consumer credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
My Credit Report with TRANSUNION Was Used Fraudulently the following inquiries Were Made fraudulently in attempt to obtain credit in my name Also these has been fraudulently reported to my consumers profile as I did not authorize the company to report this information Inquiries : XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  ( Construction ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
" I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14
Company: Continental Finance Company, LLC
State: IL
Product: Credit card
Issue: Other

Complaint:
them. I also want to have this so called lawyers office stop contacting me for good and to back office and I will let centennial finance know what I want and that is I want to have about two months to get the full amount of what is owed and that I will pay the amount in one payment but I want them to take me office of all XXXX credit reports and to put me in good standing and to give me a new card with a new deal because I did not receive a lot of statements at all.This is what I want and feel is a gooway for both sides to be happy.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
In 2017 Coinbase removed access from my account and since then have been unwilling to have a conversation with me as to why this was done, or work with me on any attempts to rectify this situation. I am not sure the exact reason why they decided to close my account, just that they are claiming they were acting in relation to potential FINCen regulations, but I have worked with the New York Attorney Generals office to help put away a criminal in relation to Bitcoin transactions and received immunity for any past transactions, so there is no reason the government would come after me or Coinbase for having me as a customer. I have told them this, and was willing to show them any documentation they needed, but they have claimed this decision was permanent. I live in NY where Coinbase essentially holds a monopoly over trading apps, and I have been unable to trade certain assets because they have denied me use of their tools, and have started buying up platforms that I would have been able to use before they started buying up other companies like XXXX and XXXX. 

Im not sure where else to go to solve this issue, or if there are any powers the CFPB has to rectify this situation, but if they wont tell me why they have closed my account, I dont even know what rules I violated, and again, I had direct relations with the government, so I dont know why they wont allow me to trade just to buy and sell my digital currency investments. To me, this is akin to an internet service provider cutting off my ability to use the internet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: EQUIFAX, INC.
State: OK
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:
After realizing my identity was compromised I immediately decided to take the necessary steps in attempt to try resolve this matter with all three of the major credit bureaus. I have sent several disputes including a identity theft report which included several of the fraudulent accounts in question. I have included several pieces of supporting documentation along with my identity theft report and Equifax has failed to provide accurate verification as per the Fair the Credit Reporting Act. Equiax has failed block the fraudulent accounts within 4 days of being notified as per section 605b. Equifax has also failed to abide by sections 609 and 611 of the Fair Credit Reporting Act by taking more than 30 days with the investigation and clearly violating my consumer rights. The fraudulent accounts in question are 1.XXXX  XXXX XXXX # XXXX, 2. XXXX XXXX FKA XXXX  # XXXX, 3. XXXX XXXX XXXX  # XXXX, 4. XXXX XXXX University # XXXX, 5. XXXX XXXX  # XXXX. All these accounts have and were included in my identity theft report as a result of fraud and in no way should not be listed on my credit report. Equifax continues to send out vague responses without any significant proof of showing any obligation connecting me to any of these debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian has XXXX account XXXX original creditor XXXX. I never had XXXX nor did I ever live at the address it was installed has been deleted with the other XXXX 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 2015-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
my credit report is skewed because of the amount of money owed related to the credit limit. 
I have a XXXX credit card, that had a credit limit of {$13000.00} in 2014. They reduced thelimit to {$9200.00}. This increased my " debt to limit ratio '' to an unfavorable rate. I am penalizedtwice. I did have late payment which I do not challenge. But the ratios that are used do nottake into account the reduction in the new limit. XXXX reason it was reduced- lack of use inXXXX stores.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: BANK OF THE WEST
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XXXX of last year, I received a Checking and Savings Bonus offer from Bank of the West. I opened a Premier checking account on XX/XX/XXXX with a {$5.00} deposit. I then deposited over {$15000.00} dollars by the end of XXXX and maintained that balance for 3 consecutive calendar months ( XXXX XXXX XXXX ), as the offer stated that I needed to do. I have enclosed my bank transactions, from opening to current. I have otherwise met all the requirements to receive the {$500.00} bonus advertised. The offer states that the bonus would be deposited by XX/XX/XXXX. XXXX, and it has not been.

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