BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-09
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:
As expected, CFPB and EXPERIAN have disregarded my request AGAIN for the DELETION of the accounts below which are not mine. I am so baffled by this situation! You guys seem like a lot of passing the blame or no accountability. Well, whatever the reason, I'm beyond bothered. I have provided everything you need from my personal information to my FTC report which I have filed, but nothing has changed. Im attaching the required FTC Report again for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... PLEASE DO NOT IGNORE my request and DELETE the accounts which I do not own. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I started to invest in this crypto mining thing. everything was going good, but one day, the app suppose to have a pledge, where you could put your money on it and you will have to reach certain goal to earn a price, but the goal was to high for me and the money that I had there, so, somehow with out my authorization my money end up entering that pledge and due I couldn't complete the task, they said that I will lose the money that " I put '' on the pledge, this pledge finished this last XX/XX/XXXX, but it seems that my money is gone and nobody answer on the customer chat or emails or calls. 
The link of this mining node is XXXX XXXX XXXX XXXX XXXX XXXXXXXX I just want the money that I lost back, and try to avoid more people got scammed like me. 

I made a transfer for {$2400.00} USD on XX/XX/2021 XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXXCoinbase Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX This is the bank info Coinbase Inc XXXX XXXX XXXX XXXX XXXX United States California XXXX Routing number XXXX Bank name XXXX XXXX XXXX  Account number... XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
As expected, CFPB and TRANSUNION have disregarded my request AGAIN for the DELETION of the accounts below which are not mine. I am so baffled by this situation! You guys seem like a lot of passing the blame or no accountability. Well, whatever the reason, I'm beyond bothered. I have provided everything you need from my personal information to my FTC report which I have filed, but nothing has changed. Im attaching the required FTC Report again for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... PLEASE DO NOT IGNORE my request and DELETE the accounts which I do not own. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted Portfolio Recovery to confirm the amount that was charged off, as I believe that is incorrect. I never got confirmation on verification of debt from the letter that I mailed off via certified mail through USPS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: SC
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:
It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$1800.00} XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 XXXXXX/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 2020-03-15
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never taken out a payday loan through ANY cash advance company. I have no knowledge whatsoever of this debt. This is not my debt. I have never done business with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2019-01-07
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I currently have a loan with American Education Services ( AES ) through XXXX XXXX. My loan was disbursed on XX/XX/XXXX for {$33000.00} and I have not missed one payment in almost 10 years. The loan is currently at {$28000.00}. Less than {$5000.00} paid off in 10 years. This has been very difficult on my family and myself, especially since the interest rate has continued to increase over the years. They say I am not eligible for a rate reduction or Public Service Loan Forgiveness. I am a paid career XXXX/XXXX and should be eligible. My expected payoff date is XX/XX/XXXX  which is 30 years of payments. Very cruel and unfair. When I took out the consolidation loan I was not prepared to NEVER catch up on the loan. Making payments above the minimum is just not possible but seems to be the only way to get ahead, which is not right. I have contacted AES many, many times seeking any kind of help or advice without any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Someone got me information and opened up some account in my name XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX, XXXX, In

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 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting 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 reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( Account Name : XXXX ), ( Account Number : XXXX ). Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 

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 non-monetary relief
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2020-03-15
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received a call from XXXX XXXX XXXX a young lady name XXXX who stated she was calling from Transworld System on behalf of XXXX XXXX XXXX XXXX XXXX. She went on to tell me this was an attempt to collect a debt. Confused as to what she was talking about I questioned, what debt? I have no outstanding debt and vacated the XXXX XXXX XXXX  XXXX XXXX accordingly back in XXXX, following the expiration of my lease. She was unable to provide me dates as she stated she did not have any supporting docs on file. I sincerely thought I was being prank called as she was unable to provide any validating information and not to mention, this was the first I had ever heard of this. I further asked IF this was true, why would they wait almost 5 years to attempt to collect. She stated theyve made attempts at contacting me but were unable to locate a number for me. Thats bogus I told her. Just as she was able to dial my number and get me, they would have been able to do the same but they didnt. As a matter of fact, my number has not changed its been the same for over 7 years, so that was a lie. 

She went on to tell me that XXXX XXXX XXXX XXXX XXXX is alleging I owe for missed payments/rent ( back rent ). I asked when did the miss payment take place? She was unable to provide me dates as she reiterated, she did " not have any supporting docs on file. '' Yes, I resided at XXXX  XXXX XXXX XXXX XXXX and vacated in XXXX when my lease expired, never having missed a payment. It's been nearly 5 years, of course I'm no longer in possession of rent receipts. I'm sure they expect this. Therefore, I requested from her an itemized statement. Instead, on Friday XX/XX/XXXX I retrieved a letter that they were collecting a debt and I had 30 days after receiving the notice to dispute. Surely, Im disputing this with Transworld Systems Inc but I also ask that The Consumer Financial Protection Bureau intervene as this company is threatening me with a falsified debt that is not only fabricated ( or possibly misdirected ) but outside Maryland statue of limitations ( 3yrs ) in which action can be brought.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am tired of sending dispute letters to Transunion requesting that they DELETE this erroneous account being reported on my Credit File because they have been doing nothing! This complaint is to follow up on my previous complaints and letters I submitted on XX/XX/2022, and to inform them that I am halfway through taking legal action and suing the Credit Bureaus for their willful non-compliance with the FCRA statute. It is improper to continue reporting this account as unverified information without creating proof within the time permissible bylaw. Only if Transunion chose to remove the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be DELETED is : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09
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:
I was a victim of fierce wrongdoing. I'm not accountable for these accounts. I have no knowledge of it, no legal obligation for it, and no information as to its origin. I did not receive any money, goods, or services as a result of the identity theft. These accounts do not belong to me. I never applied to these companies. Plus, the continuous activity is weird. I believe someone stole my identity and opened these accounts without my permission or authority. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18
Company: Maximus Education, LLC dba Aidvantage
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2022, I received an email from Aidvantage stating that theres a payment due next month for {$47.00}. There should not be a payment due, nor has there been one for at least a couple months, as my loans were all put into the national Covid forbearance. When I check online, just 1 loan has been taken out of forbearance, and has a past due amount of approximately {$23.00}. I have not received any information about this particular loan being taken out of Covid forbearance, nor that a payment was erroneously due last month. All my loans are through the Department of Education, none are private, nor are they the specific types of loans excluded from forbearance. I called Aidvantage to see what had happened and to make sure it wasnt going to affect my credit score. They assured me they would return the loan back to forbearance, however I have no way to make sure of this, except to wait, at which later point in time the erroneous past due amount may affect my credit score. Also, this is the second case in my history with that servicer where I would call for something to be done ( refund ), waited weeks for the refund, only to call and find out that the refund was never processed and that Id have to wait several weeks again!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan service provider SPS Select Portfolio Servicing ( XXXX ) XXXX mistakenly under paid property taxes out of my escrow account totaling {$3200.00}. This error made me incur a penalty of {$1000.00} with the city of XXXX XXXX. I've tried to get them to rectify and issue me a refund but they have refused. I've called them a dozen times and they give me the run around.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: EQUIFAX, INC.
State: NJ
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 am in very upset as to find out that my information is being shared, transferred and Traffic without my consent for profit. I am now aware that this is illegal practice mainly to certain groups of customers in the US,. First my information was stolen and then used due to a breach from this organization and now I find out my information is still being mishandled and discriminated against. 
This Acct from XXXX XXXX XXXX  XXXX XXXX balance also reflect a late payment due on XX/XX/XXXX paid on XX/XX/XXXX is stating 30 days late. I did nt give permission for my information to be shared transferred or reported nor do either Party has permission from me to share this information.

These are incorrect employment information being reported. 

Employment XXXX XXXX XXXX Self Employed These are all reporting the Wrong Balances XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The XXXX XXXX Account XXXX # XXXX XXXX User and shows late payment. This is not my account. nor am I a user on this account Inquiries being reported and should have been removed over 9 months ago some over a year ago. 
Inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX After months of fighting with Equifax about a fraudulent account fromXXXX XXXX XXXX my credit and employment was effected due to the fact of this inaccurate information being reported I had accounts close my accounts and lower my credit limits. I need this to be corrected as of last month they removed the fraudulent account due to the fact I sent a request directly to the firm and was in the process of suing them.

Company response to consumer: Closed with explanation