BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-02
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2020-07-30
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Barclay bank is holding my payment for up to 7 days stating that they have the right to put a hold on my payments. 

That is unfair as the money is out of my account and I can not use the card for up to 7 days later. 

I see it as advantageous. 

Each time I call them about it they say that it was removed and will not happen again. 

Now today the lady is saying there is nothing that can be done and that there is no one else that I can speak with. 

I need my payment to go through as soon as it leaves my bank as I do not have access to the funds anymore.

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 2022-03-02
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX  XXXX Balance : {$100.00} XXXX  XXXX XXXX Balance : {$370.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
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:
I am writing the experience I had with PORTFOLIO RECOVERY. OnXX/XX/XXXX, I contacted PORTFOLIO RECOVERY about a letter received ( not to my address ) stating I owed a debt of {$1600.00}. The representative advised that the debt was from XX/XX/XXXX ( eighteen years ago! ) and the Debt was purchased in XX/XX/XXXX ( fourteen years ago! ). She also advised that PORTFOLIO RECOVERY has the right to collect on a debt with no time limit as long is the debt is outstanding.

Although I understand that PORTFOLIO RECOVERY may attempt to collect a debt for an unlimited amount of time via phone, in writing etc. I know I have rights that need enforcement with regard to the FCRA. The FCRA states that there is a Statue of Limitation of 7 years.

Unfortunately, on XX/XX/XXXX PORTFOLIO RECOVERY put this debt as a charge off on my credit report for {$2600.00}. Based on the information provided by PORTFOLIO RECOVERY on XX/XX/XXXX it is clear that this debt has passed the reporting Statue of Limitations and should have not been placed on my credit report.

I have consulted with an attorney who is very interested in taking on my case, however, I am going to give PORTFOLIO RECOVERY an opportunity to correct their mistake before taking any legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2022, Rocket Mortgage made a hard inquiry on my credit reports. I had a current mortgage with them ( still do ) when they contacted me to ask if they can do an assessment to see if a better mortgage product was available for my situation. I told them I was happy with my 15-year mortgage and 3.25 % rate. As the rising interest rates had already begun at that time, I knew I had the best rate I could get. I was completely happy with what I had. 

The lady kept talking about it and said she could do a quick assessment of my situation. I did not want this until she called me and browbeat me until I finally told her okay. I was under the impression this would be a soft inquiry, otherwise I would not have agreed to it ... because again, I did not contact them, nor was I seeking a new loan. 

I remember her having me say yes on the recorded line, so I don't know if there is anything that can be done, but that practice is slimy, sorry, and predatory. I am an educated person ( XXXX XXXX ) and I still fell victim to this underhanded behavior. Even if you can't help me, they should be stopped from maliciously hurting people 's credit scores. 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
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 was checking my credit report, there are so many negative information. I told you, these information do not belong to me. XXXX sure that someone have my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 credit reporting agency deleted XXXX XXXX XXXX and XXXX  account off my report last month after there investigation now on this months report they both have been re-instated this is wrong I contacted legal advice and was told once an account has. Even deleted it can not be reinstated again. Due to this my credit score went eay down again

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: Experian Information Solutions Inc.
State: NC
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 Has a false or unknown social security # on my account and will not block or remove it

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 2022-08-15
Company: Experian Information Solutions Inc.
State: FL
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 submitted a dispute on XX/XX/XXXX to CFPB against the company XXXX XXXX In my complaint I advised for XXXX XXXX to investigate to why they are still reporting over 7 years account on my credit file and they responded on XX/XX/XXXX that they can't located the account number ending in XXXX and account ending in XXXX that is being reported on my credit file. these account are not mine and I don't have any knowledge of opening these accounts. I will like proof of payments and the company failed to provide payment history for XXXX and XXXX. Please reinvestigate this account due to violation of statue of limitation FCRA and delete/remove immediately 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 2021-04-15
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Received a debit card in the mail XXXX from Chime with instructions on how to activate the debit card. I did not under any circumstance open the account nor did i give anyone permission to open a account under my name. I have recently been a victim of identity fraud so all 3 credit bureaus have been locked. Apparently Chime does not require a credit check so someone was able to open the account without being flagged to the creditors. I contacted Chime thru email the very next day to get them to close the account and they stated they need a copy of my drivers license to verify and close the account. It seems they require more from you to close an account than to open one. I called the number multiple times and cant get a live person on the phone. I want this account closed right away to make sure no harm is being done. Its outrageous that you have to send them such private information to delete an account but dont require any prove of your identity when opening an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: Conn's, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
Several Days after delivery I noticed a few indentions / hash to table. Service order was put in and Conns refuse to replace my item as they are blaming it on delivery. After many attempts no resolution has been place. I would like all monies refunded that was put into table.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
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:
XXXX and transunion are reporting different dates one reporting closed date in XXXX XXXX the other report ing XXXX XXXX as well as fruad last payment date I want this I want this 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 2019-08-03
Company: EQUIFAX, INC.
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: Problem getting your free annual credit report

Complaint:
on XX/XX/19 I discovered that there was a collection appearing on my credit report and I went to the free annual credit report website and easily secured my reports from XXXX and XXXX, filed a dispute and the item was deleted in less than 24 hours. Not so with Equifax. They keep showing a screen saying my report couldn't be shown online and direct me to request the report by mail. 

This is an obvious excuse not to comply with the law. I want that incorrect information removed from my report now and not the couple of months it would take by snail mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Coinbase, Inc.
State: IL
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 have held an account in Coinbase and Coinbase Pro for 3 years. 

In XX/XX/2022, upon logging in to Coinbase Pro, I received a message that Coinbase Pro is being phased out and that I should tranfer the funds to Coinbase. Upon doing so, I received an email on XX/XX/2022 titled " Your account is being reviewed '' by Coinbase, which advised that " Account reviews usually take a few days. During this time, you wont able to trade crypto or withdraw funds from your portfolio. '' Upon logging in to Coinbase, I was prompted to perform an " enhanced due diligence '' verification due to the " high volume of transactions '' ( despite having made 1 transaction in 1 year ). I performed all requested verifications, but my account remains on hold. When I login to Coinbase, a banned message appears : " Account under review - Your account is currently being reviewed and we need some time to verify your info. During this review, you won't be able to use Coinbase. Reviews generally take a few days, so sign in every day or two to check your status. '' Coinbase is abusing the enhanced due diligence process to freeze funds and prevent withdrawals, because they are faced with a liquidity crisis. I am being unlawfully prevented from accessing my funds by Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: LAKEVIEW LOAN SERVICING, LLC
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I received an email from my loan servicer recommending the VA IRRRL program to me. In the email, they specifically use language that the VA and this website refer to as suspicious and/or misleading.

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 2017-04-20
Company: Harvard Collections, LLC
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The collection agency  Havard Collection,   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX , Il  XXXX , called my house number asking for my father-in-law 3 times today. They called at  XXXX ,  XXXX , and  XXXX  each time it was the same gentleman with an extremely heavy  XXXX  accent I asked this person to remove my number since I am not my father-in-law. On the call at  XXXX  this gentleman raised his voice at me in an abusive aggressive manner telling me that if I am not my father-in-law I was to put him on the phone. I am female so I am clearly not him. I am aware that this gentleman called my father-in-law 's cell phone around  XXXX . During that conversation an  XXXX  gentleman demanded payment. My father-in-law told him that his bill from   XXXX   was a charity write off and asked him to send a bill. The gentleman refused demanding payment threatening him saying have you bothered to check your credit lately, he said no, the man said I think you should. This person attempted to call again around  XXXX . My father-in-law was with me describing what had happened earlier when the second attempt at contact within the same day happened. I called the number spoke with a man named  XXXX  who claimed to be the collection manager. After numerous attempts to get  a street  address to mail a letter of dispute he finally provided it.  XXXX  assured me that all calls would stop. I also explained that in   XXXX   he did not have insurance and was contacted by  XXXX   XXXX  about a charity write off of this debt.  XXXX  did provide me with the account reference number of  XXXX . This company has violated the FDCPA by attempting numerous contacts with my father-in-law within the same day and by harassing me with  XXXX  calls to my residence when I am not him. They are continuing to attempt to collect a debt that is not owed or should not be owed. I personally feel that the statement about thinking my father-in-law should check his credit report was a threatening tactic. My father-in-law is elderly, battling  XXXX , and just recently got on social security which has been expressed to this company numerous times today. My father-in-law also has  XXXX   XXXX   XXXX . The added  XXXX  of these abusive tactics is not good for his health.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
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:
There is information on my credit report that doesn't belong to me. I have no car loan or any type of loan with the instititutions reporting these accounts on my credit reports. 

XXXX XXXX XXXX  XXXX ACOOUNT # XXXX OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX OPENED : 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 non-monetary relief
Consumer complaint received 2022-03-02
Company: The CMI Group, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted on or around XX/XX/XXXX by Credit Management regarding a XXXX bill. I advised them I do not owe this debt as this was attempted already by another collection company that could not validate this debt. I asked for something with my name and signature and they didn't provide it but added a collection to my account on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-04
Company: EQUIFAX, INC.
State: CA
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 was ran multiple times on the same date I called XXXX and XXXX XXXX  multiple times since XXXXFiled two cfpb complaints and corrections still not fixed. I filed paperwork for small claims court in XXXX county because I keep getting runarounds. I am pursuing XXXX lawsuit in small claims court.Court date is set for the end of XXXX gave them ample amount time to fix the issue. So I am asking for XXXX and XXXX dollars for court filing fee reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, I spoke with XXXX and emailed her at XXXX, sending her correspondence dated XXXX that confirmed the bank added a revocable trust as the beneficiary to a checking account and a savings account. I also emailed the trust documents, death certificate, and my photo ID. XXXX got her supervisor, XXXX, involved on the call. I was told theyd check with legal and call me back. XXXX called me back the same day. I was told legal checked with XXXX XXXX, one of the authors of the original correspondence, and legal confirmed Santander sent confirmation of adding the beneficiary to the accounts but have no explanation as to why the trust is not currently listed as the beneficiary on these accounts. The account holder died and I am the trustee of the revocable trust. I am trying to close the accounts but Santander refuses to honor the Trust as beneficiary. Santander is claiming I have to get a letter from probate court. However, the whole purpose of the account holder creating the trust and listing the trust as the beneficiary on her accounts is to avoid the time and expense of probate. On XX/XX/XXXX, letters arrived from SantandeXXXX stating they are going to close the accounts and escheat the funds to the state of South Carolina due to inactivity. I can not get XXXX or XXXX ( or anyone else ) to return my call or respond to my follow-up email.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: Waypoint Resource Group, LLC
State: FL
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:
ATTENTION DISPUTE DEAPRTMENT TODAYS DATE : XX/XX/XXXX WAYPOINT RESOURCE GROU XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious WAYPOINT RESOURCE GROU XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX XXXX  Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation