BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-08
Company: GREAT LAKES
State: KS
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Student loans were paid ahead for several months  ( See below ). Great Lakes refuses to apply the loan payments to the principal loan amounts. We have called and written to no avail. Last year these loans were paid {$6000.00} ahead, but they continue to only apply these to the interest. We have quit paying on the loans since last year since it does no good. Will attach loan statements showing amounts paid ahead and that " Total Amount Due is {$0.00} ''. The only thing that appears feasible is to just default on the loans. This is our last hope. We have been paying on these loans for 10 years. Original loan amounts were {$5000.00}  on  XXXX  and {$10000.00} on  XXXX  totaling  XXXX . Current combined loan balances is {$13000.00}. We are beyond angry and frustrated. This appears to be fraud at its best and stealing at its worst. As you can see from the below records, the payments totaled {$5400.00} for just the last quarter of last year and the first quarter of this year. PLEASE HELP US!     Loans :  XXXX   XXXX   XX/XX/XXXX  {$440.00} paid ahead   XXXX   {$980.00} paid ahead  XX/XX/XXXX  {$500.00} paid ahead  XX/XX/XXXX  {$1000.00} paid ahead  XX/XX/XXXX  {$440.00} paid ahead   XXXX   {$880.00} paid ahead   XXXX   {$380.00} paid ahead   XXXX   {$310.00} paid ahead   XXXX   {$250.00} paid ahead   XXXX   {$190.00} paid ahead

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: EQUIFAX, INC.
State: TX
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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
I had an account wit h Bank of American  that became 30 days delinquent in  XXXX   XXXX . The account was never brought current and reported negatively on my credit report until the account was sold in  XXXX   XXXX . According to the FCR A 623 ( a ) ( 5 ), this  account should be removed from my credit report. It has been re-aged by the Bank of America to reflect a different date of default. The account has been aged mo re than seven years fro m the original date of delinquency and should be removed from my credit report. I have supplied a copy of my credit report from  XXXX   XXXX  showing the original status of the loan, prior to it being paid in full. I have disputed the information with   XXXX   XXXX   XXXX    whom  has supplied an updated credit report still showing the account with the illegally re-aged account. The credit report also fails to show the date of first delinquenc y (   XXXX   XXXX  ) and the date of first delinquency reported  (   XXXX   XXXX  ) as required by the FCRA. I have attached a copy of the updated credit report as well. This account should be removed from my credit report as it has reported negative information for 9 years.

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 2017-05-08
Company: FACTUAL DATA CORP.
State: IL
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 just wanted to put in a complaint about the hard Inquiries that are affecting my credit score I have not given authorization to half of these lenders. Please have them remove From my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: Diversified Consultants, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I have no idea what this company is, if they are a debt collection I have gotten no notification by mail about anything. They are called diversified consultants. I get repetitive phone calls every morning at  XXXX ,  XXXX  mon to sat for weeks. I 've told them to stop calling me. They constantly still call. Usually you get contacted by mail if you do n't answer. Nope, nothing. I 've blocked there numbers because they have a few they have all called me from a  XXXX   XXXX , mi number and I 've blocked them all and they still get threw and call me at  XXXX   XXXX  mon to sat and some sundays. It 's harassment. For weeks now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
State: TX
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 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.

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 2017-05-08
Company: General Motors Financial Company, 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: Investigation took more than 30 days

Complaint:
This is my 3rd dispute w ith GM Financial regard ing the inaccurate reporting of 30 days late for  XXXX    XXXX  . Each representative that I speak with tells me it has been updated and each month of reporting it reflects the same information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-08
Company: CITIBANK, N.A.
State: VT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Submitted complaint  XXXX . Disputed complaint. Can not get to that anymore. Have been to court. Mortgage company has not acknowledged having recieved documents for modification on time but delayed in processing ( sectio n 6 respa, and took more than 37 to come to a decision ).

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 2023-03-24
Company: CL Holdings LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my complain that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please delete the reporting of any information in my credit file that resulted from the identity theft. The following items are fraudulent and I want you to remove : XXXX XXXX XXXX # XXXX XXXX, MA XXXX ; XXXX XXXX Balance : {$7300.00} ; XXXX  XXXX Balance : {$7600.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$13000.00} ; XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$610.00} ; XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$480.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX Balance : {$7300.00} ; XXXX XXXX Balance : {$7600.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$610.00} ; XXXX ( Original Creditor : XXXX  ) XXXX XXXX : {$480.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX/XXXX ; XXXX XXXX XXXX  XXXX XXXX, MA XXXX ; XXXX XXXX Balance : {$7300.00} ; XXXX XXXX Balance : {$7600.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$610.00} ; XXXX XXXX Balance : Balance : {$14000.00} ; XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$480.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX EQUIFAX MTG XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-08
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-08
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I had an account with  XXXX  that became 30 days delinquent in  XXXX   XXXX . The account was never brought current and reported negatively on my credit report until the account was paid in full in  XXXX   XXXX . According to the FCRA  623 ( a ) ( 5 ) , this account should be removed from my credit report. It has been re-aged by the original creditor to reflect a different date of default. The account has been aged more than  seven  years from the original date of delinquency and should be removed from my credit report. I have supplied a copy of my credit report from  XXXX   XXXX  showing the original status of the loan, prior to it being paid in full. I have disputed the information with Equifax  Information Services, wh om has supplied an updated credit report still showing the account with the illegally re-aged account. The credit report also fails to show the date of first delinquency  (   XXXX   XXXX  ) and the date of first delinquency reported (  XXXX   XXXX  ) as required by the FCRA. I have attached a copy of the updated credit report as well. This account should be removed from my credit report as it has reported negative information for 9 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Coinbase, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
File a Complaint Feedback from consumers is vital to XXXX. We appreciate your willingness to report this information to us. We look forward to helping you and the business work toward a resolution. 
Your complaint details : First Name : XXXX Last Name : XXXX XXXX : XXXX Phone : XXXX XXXX Address : XXXX XXXX XXXX XXXX : OH City : XXXX Zip : XXXX Country : XXXX Description of Complaint : Coinbase demonstrates the like and similar pattern and practice of illicit and/or dilatory behavior described by many other Complainants. Following is a fragment of evidence found in the complete record : Sun, XX/XX/XXXX at XXXX XXXX XXXX there, Thanks for contacting us. We see that youre having difficulty accessing your account and we're ready to help. 
After our further investigation, it shows that your account has been taken over by the attacker and they were able to change the email address on your account. Our records indicate your account was accessed on XXXX, XXXX XXXX  from an unknown IP address and device. This IP is authenticated with your password, your 2FA security codes and the device confirmed via hyperlink sent to your email. This means the attacker had access to your password, 2FA security codes and email to conduct this activity. 
Using these compromised credentials, they were able to initiate the following buy : XXXX, XXXX XXXX XXXX Wallet XXXX XXXX {$37.00} Please follow these steps : 1. Create a new Coinbase account using a different email address at https : //www.coinbase.com/signup 2. Add and verify a phone number. For security purposes, do not add and verify a VOIP number. 
3. Complete the ID upload and live photo ( selfie ) when prompted at : https : //www.coinbase.com/verify-document? 
Coinbase, Inc XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX If you have any questions or concerns, please contact the XXXX  assigned to your complaint : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Email this XXXX  ( XXXX ) XXXX facematch=true. These steps will help us verify your ownership of the previous account. Please inform us when you've finished these steps. After we complete a review of the information, we can transfer the balance from the inaccessible account to your new one. 

DONE and Coinbase still fails to lawfully transfer assets they do not own with endless BS. 
I DEMAND Coinbase immediately pay out my approximately XXXX XXXX, .1 ETH, 1 LTC, and all other assets held immediately to my new account which has been verified and the same you have been found to snoop on, or my prior known Bank Account ending in XXXX, or my address of record prior to this suspicious alleged " hack '' from an " unknown IP '' with an unlawful bypass of the established 2FA regulation which is under investigation. 

Desired Settlement : Refund plus punitive damages and referral to criminal

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: Douglas, Chancellor, Meyers and Associates, LLC
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Douglas Chancellor Meyer entered information on the XXXX Credit Bereau with fradulent and falsified information. The date of orginal diliquency was noted as XX/XX/2018. The original loan was from XXXX. The loan went diliquent more than 7 years ago. XXXX XXXX is attempting to re-age the loan in violation of the Fair Credit Reporting Act. No notice of dispute was furnished to me. I contacted XXXX in XX/XX/2018 to dispute the information, also on XX/XX/XXXX and XX/XX/2018.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
THIS IS NOT A DUPLICATE COMPLANT. I'm not using any third party for this matter and represent myself by myself. I'm sending this complaint because I have pulled up my credit report just recently and I noticed some hard inquiries from companies that I did not give consent to access my credit reports ; I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FTCRA. The hard inquiries that are being disputed, do not belong to me. My position is being clearly stated, these hard inquiries do not belong to me, meaning that you are reporting inaccurate information within my credit file. YOU are reporting the INQUIRIES that are the result of the fraudulent activities. Therefore, these inquiry must be deleted from within my credit file. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that this Inquiry is being disputed is because it waw not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that this inquiry was made by me, they must be removed from my credit file. I have filed FTC report for this matter. Here are the list of these fraud items : XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX Please remove these items from my report as soon as possible, I have included the copy of my SSN, driver license, proof of address and copy of FTC report 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 2017-05-08
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have opened numerous complaints with this agency only to see them " CLOSED and FILED '' upon receipt of a response be it inaccurate, incorrect or outright lies. Currently my wife are undergoing financial hardships brought about by incorrect, untimely reporting! Trying to reach any of these bureaus is a farce. I understand they are now under the control of   XXXX   XXXX   XXXX   but frankly same old, same old. A review today of my " protection ''    MYID.com -p laced by the  HR Department of the United States Government indicates the reports still reflect incorrect information and wrong information has not been corrected. I have filed with the CFBP Ombudsman and Vice Presidents office for  help but to date nothing!

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 2023-01-25
Company: Steel River Systems, LLC
State: MN
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 letter from Steel River Systems ( SRS ) letting me know they have acquired a debt from a checking account from XXXX XXXX XXXX ( account ending XXXX ). However, I do not owe any money for this account. Back in XXXX, before I moved to Minnesota, I had a checking account with XXXX XXXX XXXX in XXXX Florida. I accidentally overdraft the account by less than a dollar, and shortly after, the bank addressed overdraft fees. 

I remembered because I was XXXX XXXX XXXX and working XXXX jobs just trying to make ends meet. As a young person of XXXX, I was trying to improve my life and I couldn't believe that a bank would charge so much in overdraft fees for how little was overdrawn. I called the bank because I was upset and wanted to resolve this and close the account before moving to Minnesota. The representative I spoke with promised they would waive the fees. I told the representative I would stop by the bank and deposit a dollar into the account to cover the overdraft amount and was told that would be waived too since the account was going to be closed. 

It has been 10 years since I moved to Minnesota, and I was promised that I did not owe anything for this account. Since then, there has not been any attempt to collect on this alleged debt. I believe the statute of limitations have expired for both Florida and Minnesota. SRS is deceiving consumers by using predatory collection practices to collect on zombie debt.

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 2017-05-08
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
This is my second time using cash central. When I paid off the first time they needed me to call them and have a  three  way conference with my bank to prove I paid. This time I called and emailed my verification 3 times and they will not approve my payment even after it was taken out of my account. I am not sure why they can not find out if I paid on there end. I think it is shady that they need to go through this strange process.

Company response to consumer: Closed with explanation