BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
With both Equifax and XXXX XXXX XXXX am not able to get my credit report I even paid Equifax and they charge my card twice and I still have not gotten access to my account where I could see my credit report when I called the XXXX numbers for both Equifax and XXXX XXXX they are saying that my ZIP Code and my social does not match but on the three credit reporting agencies they do show my report This is crazy Im trying to get out of debt and and I have told them I can not get through the telephone line for the pre-screening being incorrect with my social security number I have made a police report because some furniture was charged in my name but I cant even speak to a live agent or a foul a dispute because I can not get past The phone screening and that is messing up my credit And its not fair why should I have to Have bad credit because theyre screening will not allow me as a consumer as well as a person who they have all of my valuable information but will not give me access to it this is how I get a home this is how I get vehicles but I cant see what Im doing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I emailed navient student loan servicer about the 25 year forgiveness plan. They sent an email back saying I have only made one qualifying payment towards that plan. It clearly shows in my loan tractions I'm on auto billing and have at least made 10 payments. The navient servicer has mislead me with false info and false transactions. I'm now more than confused if I will ever pay off my student loan debt or have it forgiven even if I've made timely payments. I'm told differently my different agents all the time and given misinformation! This navient place needs to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I've reached out to TransUnion on many occasions to remove inaccurate Credit Bureau Inquiries that are on my Credit Report. They advised they could not remove inquiries, even though these inquiries are fraudulent. I would like the following inquiries removed due to me not applying for these accounts. 

XXXX. XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX : XX/XX/XXXX By removing the above inquiries associated with the dates above, will resolve my issue completely. All other inquiries on my Credit Report are accurate as I've applied for the remaining accounts on my Credit Report.

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 2023-03-02
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Today this bank denied me access to set up an account based on me having a balance. However, their was nom active pursuit to collect on the balance. After reviewing the statements I have taken note that my account was overdraft and that their were items that returned which caused insufficient funds fees, however there is no documentation on why those items were returned. I have gone through the statements with a fine tooth comb and their is no proof showing why the items that were returned were not covered. 

I am demanding a dispute of all charges and requesting my rights to reopen an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: ALLY FINANCIAL INC.
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I received notice dated XX/XX/2019 from Ally Bank, XXXX XXXX XXXX, XXXX XXXX XXXX, stating that I was declined for a new vehicle loan. The notice stated that my XXXX score was XXXX and my XXXX XXXX score was a XXXX. The notice also showed that two different measuring matrix 's were used to determine score. Since credit scores are compared, I believe this is a deliberate attempt to obtain higher interest rates from consumers. Most consumers are not aware of XXXX XXXX or their measuring system which automatically lowers credit scores. I believe Alley Bank is knowingly committing defamation of character and defrauding it's customers by using 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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Company did not resolve my issue when contacted and told them I am a victim of identity theft

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 2023-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
The letter I received from Bank of America dated XXXX XX/XX/2023 with a Reference Number XXXX, please call XXXX so we can talk to you about suspicious activity on your bank account. Call the number Monday through Friday XXXX XXXX to XXXX XXXX XXXX XXXX XXXX. So I called today at about XXXX XXXX the number above and I received an agent from Texas by the name of XXXX tag number XXXX working in the closure department. So irresponsible for customer service she could not tell me why my account was being closed, I asked to speak with a manager with no response. Then I asked to be transferred to the Fraud department that handles suspicious activity, the system at Bank of America transferred me back to another agent of the closure department the agent was totally rude that I asked to be transferred to the online banking of suspicious activity. The next agent that I talked to was in Maryland, he was in Fraud, but he could not discuss the issue with my closure account he transferred the call to another agent in Fraud which to no avail gave me a number to call which is Fraud Claims Department. That Department was closed by XXXX XXXX. There number is XXXX. Looks like the letter that I received was a runaround letter with deceiving affects and poor management of Bank of America with the understanding of professionalism under lousy leadership every member representing the Bank should be reprimanded and a letter signed by the CFO place in their personnel file. I have no clue how a business operates in today 's environment. It seems no one cares unless this issue attracted the XXXX XXXX and XXXX XXXX in 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 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On my Consumer Report from Transunion dated XX/XX/2023. I noticed 5 pages of Inquires on my consumer report from unknow sources, that I did not consent to, nor benefit from any of the following inquires. along with inacurate dates and account info. block and remove them please. All Promotional Inquiries, All Checking Account And Demand Deposit Account ( DDA ) Activity Inquiries, All Supplement Consumer Credit Information Inquires.

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 2023-01-26
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I was fraudulently charged XXXX dollars on my Verizon Visa Credit card. Synchrony Bank took that charge off and sent me a new card. After I received the new card, the XXXX  charge was reinstated. I have called Customer Service XXXX  times at Synchrony Bank and they will not give me the name of the organization that fraudulently charged me or their address/phone number. I'm simply told my complaint will be forwarded. I have also been blocked from accesing my Verizon Visa Account online at : https : //www.synchrony.com/accounts/ 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 2023-06-08
Company: Convergent Resources, Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am personally attaching an Arbitration Demand on my behalf to XXXX and Convergent Outsourcing. Do not close this complaint.

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 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 company agency can not furnish a account without my written instructions.

15 u.s.c 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 u.s.c 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-01-02
Company: ALLY FINANCIAL INC.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX in the amount of {$450.00} and I mailed it to the Ally Payment Processing Center for my XX/XX/XXXX car payment. Then later in XXXX I was contacted by Ally Financial informing me that I was late in making my XXXX payment, and that I am incurring daily late charges. 

On XX/XX/XXXX, I called Ally four times to try and straighten this out, only to be repeatedly told by the customer service agent that my XXXX payment is delinquent and would I like to make that payment now? On one conversation I was put on hold and after 50 minutes with the agent not returning to the phone call I hung up and tried calling back again. 

I am writing to dispute the false record of my being delinquent on my payments and to complain about the horrible customer service. A XXXX XXXX XXXX XXXX, no. XXXX was mailed to Ally on XX/XX/XXXX and the money order was cashed by Ally on XX/XX/XXXX. I have mailed a letter of complaint including a copy of the XXXX and XXXX money order payment receipts. I have also now paid to Ally another XXXX payment of {$160.00} which includes the XXXX payment plus interest. Starting with my first auto payment I have been paying extra money on the loan thus my XXXX payment was actually reduced to {$160.00}, but as stated earlier I had sent them {$450.00} on XX/XX/XXXX. I made this additional {$160.00} payment so that they do not report to the credit bureaus that I am delinquent. I have now paid Ally {$610.00} for the month of XXXX and as of XX/XX/XXXX another payment is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete these unknown accounts This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute. I am requesting the original contract con to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified account : 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 2022-07-12
Company: CURO Intermediate Holdings
State: OH
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:
Ad Astra Recovery Services violated my rights. 

In accordance with the Fair Credit Reporting Act 15 USC 1681 & Fair Debt Collection Practices Act 15 USC 1692 Ad Astra Recovery acct # XXXX, has violated my rights. 

15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt.

15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. 

15USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that any debt collector is in the debt collection business or that the communication relates to the collection of a debt.

15 USC 1682. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

15 USC 1681 section 604A 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 2023-10-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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 several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 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 2023-06-08
Company: Specialized Collection Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX/XXXX/2023 The company Specialized collection Systems Inc contacted me leaving me a voicemail specifically saying Hello this is SCS Inc. with a message this message is from a debt collector please visit us online at XXXX forward/patient or call us at XXXX thank you and have a nice day please listen for a reference number XXXX I went to the website put personal information in to find out the debt I owed And it site said I owed XXXX I checked my medical insurance and and confirmed I did not owe or have medical debt. 

I came to the conclusion that I was scammed I didnt not pay the company any money The information I gave the company to find out the debt My date of birth My last name My email My zip code And last 4 digits of my social I already contacted an attorney in Texas filing a complaint on this company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete these unknown accounts This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute. I am requesting the original contract con to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified account : XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent in several letters to XXXX, equifax, XXXX  and collection accounts. On these dates XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. I sent letters regarding inaccurate, unknown and not the same information reporting across the credit bureaus on my credit report and there has been no changes. Bankruptcy docket #, the courthouse states that they do not furnish, provide, report, or verify bankruptcies with the Credit reporting agencies, vendors and third-parties. This information is public records. So it needs to be removed immediately. This is willful negligence on their behalf and a violation of the FCRA. As a result it is affecting my credit score and causing damage to my reputation. They keep sending from one person to another. I have been dealing with this for a year now and the accounts are XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. I demand that these accounts be promptly deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
My account has recently been suspended and despite my efforts to contact customer service, they have been unable to provide any help or support to unsuspend my account. 

The customer service team have informed me that it is an automated system that decided to suspend my account and unfortunately, there is nothing they can do to reverse this decision. This has left me feeling extremely let down and unsupported by Coinbase, especially as I've done nothing wrong I have been treated poorly and left with no resolution to my account suspension.

Company response to consumer: Closed with explanation