BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-02
Company: ENOVA INTERNATIONAL, INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Sometime within the last year I applied for a line of credit with NetCredit which I did not access due to high interest and excessive fees. XXXX XX/XX/2021 I became aware through review of my credit report that the line of credit had been accessed. I have been attempting since this time to resolve this matter with the company. I no longer have access to my online account and no information has been shared with me. They requested a police report which was provided along with an identify theft report filed with the FTC. I also sent a bank statement from the time the funds were sent showing that I did not receive any funds from NetCredit to my bank account. I continue to receive emails demanding payment along with the same response to my inquiries that they completed an " investigation '' and determined I received the funds, but no documentation or information proving this has been sent despite repeated requests. I have shown proof on my end that funds were not deposited into my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: National Credit Adjusters, LLC
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: Old information reappears or never goes away

Complaint:
National Credit Adjustment collections agency is engaging in the illegal practice of re-aging debt. An old collection fell off my report and they placed it back on as if it was brand new. I disputed the fraudulent action immediately with all three bureaus. This unethical company verified the debt was correct. Thats impossible. If they dont resolve this illegal matter immediately, I fully intend to sue as they are blatantly violating my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: EQUIFAX, 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:
XXXX   XXXX   XXXX   XXXX   XXXX   has been reporting loans more than 120 days late when the loans were paid in full by a student loan consolidation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-25
Company: EQUIFAX, INC.
State: FL
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I called to make a payment and was informed that I would be charged a late fee as it was already past XXXX XXXX time. It was XXXX XXXX, I am on the west coast and I did not know this from my previous issue. 

Back in XXXX, I made a payment via the mobile app and it was deducted from my bank account but never credited on the account. Thus I was charged a late fee at the time. After seeing that and calling to provide proof of payment the charge was reversed as Chase rep stated they were having issues with their mobile app. The rep told me I could call up to XXXX on the due date and have the payment made over the phone without a late fee. He never stated this only applied to XXXX time. I was under this understanding so I believe Chase holding me accountable for their mobile application issues to be unfair and the rep to be misleading me about payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: EQUIFAX, INC.
State: LA
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:
Hello, I recently reached out in writing regarding my consumer credit report from Equifax Consumer Solutions about unauthorized inquiries. I have not given ANYONE permission or consent to do so, as I have not applied for credit for a while with these companies. I am giving you as much information as I can to help you with this re-investigation demand so please feel free to utilize this information. 
According to section 604 FCRA, I would greatly appreciate if you would provide me for what is called a permissible purpose or proof that I applied or initiated these inquiries from each company listed. This poses great concern about my security and the privacy of my credit being at risk. If no proof or evidence with supporting documents is found, please delete these item ( s ) immediately.

If these inquiries are concluded to be originated online or by an internet source, please provide the IP address associated with the alleged inquiry.

I have also contacted the creditor ( s ) in question, and they claim they have no proof either, of each initiated inquiry, no written authorization documented, and each company has failed to provide me a permissible purpose or proof. Because the creditors in question could not provide proof of authorization whether written or verbal, I am asking that each alleged inquiry be deleted from my credit report of Equifax. The alleged inquiries are unproven, non-compliant, and unverified as there is absolutely no evidence or proof of my authorization of a permissible purpose. 
Section 604 states that a permissible purpose of Consumer Reports 15 U.S.C. 1681b ( a ) in Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Please read on ; section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Under 15 U.S.C. 1681i, paragraph ( 5 ) treatment of inaccurate or, unverifiable information ( A ) In general, If, after any reinvestigation under paragraph ( 1 ) of any information is found to be inaccurate, incomplete, or can not be verified the consumer and the reported agency shall ( i ) promptly be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: Millco Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Company AMERIFINCIAL SOLUTIO was advised that I was an identity theft victim by phone on XX/XX/2019 collections agent stated that the company would not remove derogatory medical account # XXXX collection opened XX/XX/2019 this account is fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Experian Information Solutions Inc.
State: LA
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:
Hello, I recently reached out in writing regarding my consumer credit report from XXXX XXXX XXXX about unauthorized inquiries. I have not given ANYONE permission or consent to do so, as I have not applied for credit for a while with these companies. I am giving you as much information as I can to help you with this re-investigation demand so please feel free to utilize this information.

According to section 604 FCRA, I would greatly appreciate if you would provide me for what is called a permissible purpose or proof that I applied or initiated these inquiries from each company listed. This poses great concern about my security and the privacy of my credit being at risk. If no proof or evidence with supporting documents is found, please delete these item ( s ) immediately. 
If these inquiries are concluded to be originated online or by an internet source, please provide the IP address associated with the alleged inquiry. 
I have also contacted the creditor ( s ) in question, and they claim they have no proof either, of each initiated inquiry, no written authorization documented, and each company has failed to provide me a permissible purpose or proof. Because the creditors in question could not provide proof of authorization whether written or verbal, I am asking that each alleged inquiry be deleted from my credit report of XXXX. The alleged inquiries are unproven, non-compliant, and unverified as there is absolutely no evidence or proof of my authorization of a permissible purpose.

Section 604 states that a permissible purpose of Consumer Reports 15 U.S.C. 1681b ( a ) in Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Please read on ; section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Under 15 U.S.C. 1681i, paragraph ( 5 ) treatment of inaccurate or, unverifiable information ( A ) In general, If, after any reinvestigation under paragraph ( 1 ) of any information is found to be inaccurate, incomplete, or can not be verified the consumer and the reported agency shall ( i ) promptly be deleted.

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 2019-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 a victim of identity theft. I dont have any bank accounts and Ive been out of the country for years. The only car loan Ive ever had was from XXXX. THE ONLY ADDRESS IVE EVER HAD WAS XXXX XXXX XXXX XXXX  XXXX XXXX Florida XXXX. The only company I have ever worked for and are presently working for is XXXX XXXX. The only telephone number I have is XXXX. Its been over two months and each company is in violation of my rights. If what I requested is not removed I will take matters up in a civil suit.

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 2022-05-02
Company: EQUIFAX, INC.
State: IL
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:
Per the XXXX  credit reporting agencies are supposed to report/provide complete and accurate information for accounts placed for collection, charged to profit or loss, etc. Per the attached consumer report, XXXX XXXXXXXX XXXX account has incomplete and inaccurate information which puts Equifax in violation of my rights as a federally protected consumer. There is a date of last payment reported, but no last payment amount reported and no Date of Last Activity reported. If there was a last payment made, what is that amount. Why is it not being reported? Also Equifax is stating that this alleged account was opened XX/XX/XXXX but according to the payment history table, there is no data for the entire year of XXXX, XXXX and up until XXXX of XXXX. Where is this data? The payment history starts XX/XX/XXXX, which is different from what is stated. Why is this information starting XXXX years after the account was opened? Per the account details, the Date of First delinquency is reporting as XX/XX/XXXX why is the delinquency first reported date XX/XX/XXXX. There is nothing reporting for the Date Closed. What is this information and why is it not being reported. What is the Date of Last Activity? What is this information and why is it not being reported. Lastly according to account details this alleged account was reviewed for XXXX  months, but the payment history only accounts for XXXX months. Where are the remaining months that were allegedly reviewed. 
This alleged account, is still showing inaccurate and incomplete information on my consumer report. The date is XX/XX/XXXX and this alleged derogatory account has been on my consumer report for several years. Delete this immediately. Equifax is in violation of my rights as a federally protected consumer for reporting inaccurate and incomplete information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
There are several transactions which I have placed in dispute with Capital One 360, two purchases from XXXX on or around XX/XX/XXXX, XXXX and XXXX, these are items not received. An item in the amount of XXXX on XX/XX/XXXX is a fraudulent purchase made on XXXX, XXXX is the merchant. This account was closed, however, I was able to place the items in dispute via website today, XX/XX/XXXX. I do not know whether or not Capital One will assist with these charges or not due to account status. I attempted to resolve said transactions with respective merchants, however, XXXX has been uncooperative. XXXX has not replied to messages left via XXXX. These items are about two months old, I've been messaging the merchants on and off since late XXXX with no resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
These inquiries don't belong to me. Please remove 1. Identity Theft 1 XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft BK OF AMER Date of inquiry : XX/XX/XXXX This is not mine.

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 2021-02-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been a customer of USAA for many years now. My wife is linked on my account as well. I have never had an issue with deposits and fund availability until recently. My daughter who is currently a service member was scammed out of a lot of money and my wife is listed on her usaa account as well. Usaa is now holding all checks deposited into my account unfairly. I have questioned it and was told its due to my wife being linked to my daughters account. My wife does no deposits on the USAA account and its honestly my sole account. I have requested it to stop and usaa is not acting on it. Yet again showing how they truly dont care about their veterans and long time customers

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: Coinbase, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I lost access to an email that is used to verify access to the Coinbase Vault. I put in a support ticket on XX/XX/2020 and Coinbase has still not resolved it despite repeated attempts to cointact them. The one response I did get was about a month ago and say, " We can see your case is on the right track, thanks for your patience as our team works through the queue. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-09
Company: Grain Technology, Inc.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I started business with Grain ( trygrain.com ) on XX/XX/XXXX to try and build my credit where they deposit money into your checking account after paying a {$200.00} deposit. I was accepted for a {$400.00} credit line. However, issues started where I no longer have my XXXX Checking account and the company has no response on updating my checking account so that I can make payments on-time consistently. The issue started on XX/XX/XXXX and I have reached out to them on XXXX XXXX and email at XXXX with no response from email that helped. One instance they reset the ability to add my checking account through their XXXX app, but the connection to the XXXX XXXX continuously failed which keeps resulting in interest fees, late payments, and the possibility of negative marks that will happen around XX/XX/XXXX. 
I'm simply trying to pay off my account with Grain and receive my {$200.00} deposit back, but it seems that everyone, including on their XXXX page, is not having any response from this company to fix a simple issue and have the customer service capacity to resolve issues before they happen to customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-25
Company: CAINE & WEINER COMPANY, INC.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On about XX/XX/2019, after living abroad for 9 years, I returned to the US to find an errant collection account from CAINE & WEINER on my XXXX and XXXX  credit reports. After providing an Affidavit of Dispute to Caine & Weiner on XX/XX/2019 indicating that I do not owe money to the original creditor XXXX XXXX, they have failed to respond in any manner. 

My Affidavit of Dispute demanded that they validate the debt by delivery of a written contract bearing my signature among other methods. I also demanded they cease collection activities and remove their erroneous and damaging negative reporting to the collection agencies which is causing me financial harm. 

I understand that Cain & Wiener has violated 15 U.S.C. 1681 and 15 U.S.C. 1692 by failing to respond, failure to cease collection activities among other violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
In XX/XX/2021, I was told by a Wells Fargo customer service agent that if I turned overdraft protection off of my debit card, I would no longer be charged overdraft/ NSF fees. She said if you are charged, for some reason, you will still be eligible to have those fees reimbursed. So I had her turn the overdraft protection off of my debit card. However, in spite of turning it off- I have been charged 15 fees since then. Today I called and spoke with a rep who offered to reimburse 1 fee, he then transferred me to his manager, XXXX, who offered to reimburse 4 fees. I do not think that is acceptable because I was told I would be charged 0 fees. Why should I have to pay 11? Additionally, I turned overdraft off of my account.

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 2019-12-25
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX, Experian, XXXX and XXXX is unlawfully reporting XXXX   XXXX/XXXX//XXXX  tradelines account no.XXXX  after the sol expired on XX/XX/XXXX. 1st delinquency was XX/XX/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 2022-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My credit score with 03 credit bureaus agency XXXX, XXXX and Transunion don't grow enough Although I don't have any existing debts and my payment history on time since XXXX which I should have a better score than I currently has, I don't have any payment for credit cards or car loan that is late nor I owe money to any credit card or Mortgage company. 
all my previous old credit card since XXXX was settled in full therefore I'm disputing all the negative records on my credit profile, I never been contacted by any agency that I owe them money. 
my question is why my credit score never increase however I have great payment history.

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 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I sent a letter requesting that all erroneous information and to replace it with the correct information ; because the incorrect reporting of that information was hurting me financially and affecting the way banks and lenders view me as a credit risk.

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