BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-17
Company: Kansas Counselors, Inc.
State: MO
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: Problem with personal statement of dispute

Complaint:
I started the process of wanting to buy a home, I noticed that one of the company 's I requested to validated the debt was back on XX/XX/XXXX and I never got any validation for it. I disputed it I believe in XX/XX/XXXX with XXXX, and when I looked at my report to see what was there, and there were notes from Kansas Counselors, the amount is {$270.00} ; that stated " Dispute resolved consumer disagrees ''. So I called XXXX to see what I can do, I had already challenged it by uploading my proof of the letter tht I sent to them had not been validated. I spoke with a guy named XXXX at XXXX on XX/XX/XXXX and he told me that and I quote, " companies don't have to provide XXXX proof that a debt belongs to a consumer, we just take their word for it and apply it to your credit report ''. So I said, " you mean to tell me that anybody can say I owe anything and have it slapped on my XXXX credit report? '' He just sat there in silence and said nothing. I asked him, " how would he fill if someone just slapped anything on your credit and you were told that the company did not have to provide proof of it? '' Once again he silent and said nothing. This can not be ok for us people. That XXXX does not require any validation and just lets companies place on anything on your report. The company never responded to my letter that I sent back in XX/XX/XXXX either. People credits are being hurt by this and it is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX acct # XXXX {$7600.00} ; XXXX XXXX XXXX  XXXX acct # XXXX formerly XXXX XXXX acct # XXXX {$2100.00}, illegally pulled my credit report on XX/XX/XXXX, with my signature or the fact that I applied for a loan with their company ; XXXX XXXX acct # XXXX sold to XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX {$3400.00} ; XXXX acct # XXXX {$170.00} ; XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX {$1800.00} ; XXXX XXXX XXXX XXXX acct # XXXX {$3800.00} ; {$25000.00} ; {$13000.00} ; {$9500.00} ; {$4800.00} ; {$9100.00} ; {$2800.00} ; {$5000.00} ; {$240.00} ; {$5700.00} ; {$2700.00} ; {$25000.00} ; {$24000.00}. After submitting my complaint with CFPB, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX submitted they deleted these accounts. I have provided police reports, proof of identification, proof of address, and copies of credit reports showing that these accounts were deleted. Every 30 days they allow these companies to return under a different company, account number, with the same information.

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 2023-03-23
Company: Early Warning Services, LLC
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/1978 XXXX XXXX XXXX XXXX, Alabama XXXX Early Warning XXXXXXXX XXXX XXXX XXXX XXXX, Az XXXX ( XXXX ) XXXX Dear Early Warning Services, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on an Early Warnings report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see the Verifiable Proof ( an original consumer contract with my signature on it ) you have on file of the account listed below. Your failure to positively verify this account has hurt my ability to obtain banking services. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below. Please verify the following account or remove it immediately : * XXXX XXXX XXXX XXXX Account # XXXX Closed for overdraft- XXXX XXXX illegally charge me overdraft fees. 
* XXXX XXXX XXXXXXXX XXXX Account # XXXX * XXXX XXXX Account # XXXX Closed-Purged- illegally charged overdraft fees. 
* Account Closed by XXXXXXXX XXXX  Account # XXXX no knowledge of this account please verify. 




Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: ECMC GROUP, INC.
State: VA
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:
i am having my wages garnished i never recieved any informaion in reference to this i had tried to established a repayment yrs ago but as student loan debt has been highlighted that companys taking advantage of this sitiation i have had my federal taxes withheld for many yes and still no resolution has been given to me these companies just take advantage of hard working people to fatrwn their pockets with the high interest rate. Consumer do not know who to trust as America Companies are becoming more and more greedy over the American dollars and finding more ways to take from consumers

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 2021-04-12
Company: BAM Management US Holdings Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Party involved : Binance US BAM Trading Services, d/b/a Binance.US, is a separate entity from Binance XXXX XXXXXXXX XXXX XXXX XXXX Contact Information : BAM Trading Services Inc. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX California XXXX. 
XXXX XXXX XXXX No phone number available. 

I am reaching out because I have not received my wire transfer at XXXX XXXX XXXXXXXX - XXXX XXXX account. 
This transaction was initiated on XXXX XXXXXXXX, 2021 and in the past this sort of transaction has only taken a day. My attorney also spoke with XXXX XXXX XXXXXXXX on XXXX XXXXXX/XX/XXXX and they confirmed there were no incoming wires and that most likely it had gotten rejected, which means the money went back to Binance US. 

I also spoke with XXXX XXXX XXXX Third party custodial for Binance US ) and they directed me to Binance US. Given the lack of response, I've opened two tickets asking for an update as to when my funds will settle back into my Binance US account. 
According to their procedure found online ( https : XXXX ), funds will settle back within " two to three business days '' ; but in my case that has not happened. 

The total amount wire from Binance US  to XXXX XXXX XXXXXXXX was {$15000.00} XXXX. As of today, I have not received a single response from Binance US ( i.e. customer service or any of their employees ). 
All I am looking for is for Binance US to release my funds - they are holding them for no legal reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: Fidelity National Information Services, Inc. (FNIS)
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:
My identity theft is not being taken seriously and was not included in any reporting that XXXX did to early warning services which has made it impossible for me to open a bank account plus it affected the current account I had causing a freeze and they are reporting information to the agency wrongfully and have not responded To any notices sent on behalf of me and the FTC on XX/XX/2018 and also they havent responded to a police report number submitted prior to that on XX/XX/2018 for the fraud committed in my name. 
It went as far as affecting my auto and renters insurance and I received nasty letters from my XXXX XXXX and property insurance company starring they would cancel my insurance because of what XXXX REPORTED. 
Ive called dozens of times to talk to a live rep and each time was put on hold to be told after 20 minutes they couldnt be reached in the security department that I would receive a call back and I never did. 
Then my email was part of my idintity theft and they continued to send emails to me even though I could not access the accounts that had been hacked.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Nelnet, Inc.
State: MI
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:
Great Lakes refused to remove an email off of my account ( first rep said she would remove it XX/XX/XXXX XXXX am. second rep called it out and said they had to leave it on XX/XX/XXXX XXXX ( even if I DID NOT give the EMAIL to them??? ). Doesnt make sense!! 
Prior to these dates that I called both dates Great Lakes requesting loan information and when I spoke to rep she verified me and called out an email that I did not give to any loan servicer. That email was not on my account- I had none listed just a phone and address ( XX/XX/XXXX XXXX pm it confirmed something regarding my loan account - there has been access to my fafsa recently and great lakes account in past ( I received a mailing in a Great Lakes envelope with an online printout that only a user could access- not general things they send out. Also with fafsa I had to change email again because some one got in and changed it to either an old one ( hacked or another ) and I was only able to get in through my phone # but I shouldnt have because it was not verified on fafsa account. Whoever was in it they waited until I was in the hacked email and then they signed out ( it said I was signed in another location ). Late XXXX  I signed into fafsa and noticed XXXX promissory note gone ( XXXX and my name was hyphenated ) I was in there mid XXXX so I know it was removed between XXXX of XXXX. A rep from dept of Ed said it wasnt there anymore XXXX XXXX she was also was concerned about Great Lakes ( maybe even Nelnet I told her ) having my fafsa ID and told me to block account or change it. Its been crazy and I dont trust either servicer. Loan info mixed up based on documents I found - someone modified information on loan account - I recall Great Lakes asking me about my consolidation- who was it through-? if they owned it? Wouldnt they know? Totals off with loans they sent to Nelnet should be less and type of loans is wrong ( not flep ). My loan info is being manipulated and someone is pretending to be me am I supposed to not protest - inaccurate info/ loan info etc. each time I do I get backlash/ harassed and my phone compromised- etc more.. Did dept of Ed Great Lakes get Hacked they said they ( XXXX ) were letting go Nelnet and Great Lakes. We need help out here!!! I pray truth will come out soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
My mortgage account with XXXX XXXX XXXX Account XXXX XXXX is incorrectly reporting as delinquent. My account is currently protected under the Covid Forbarance Act. As a result, the information listed is inaccurate and should not be reported as 90 days past due. Attached is a letter from the Mortage vendor to support this claim.

In accordance with the Fair Credit Reporting Act, the listed accounts above have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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 2022-01-05
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I recently sent in multiple documents about a few negative accounts on my profile that was unfamiliar to me and needed to figure out where they came from. I send out letters mutliple times over the past few months as stated below : Accounts from student loans XXXX XXXX XXXX US DEPT ED? XXXX?? ( no money was dispersed or classes taken. ) XXXX XXXX ( Original Creditor : EMERGENCY CARE SPECIALISTS B ) Letters were sent on XX/XX/2021, XX/XX/2021, XX/XX/2021

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 2023-01-09
Company: Atlanticus Services Corporation
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXXAspire XX/XX/XXXX inquiry XX/XX/XXXX removal another inquiry on XX/XX/XXXX removal date on XX/XX/XXXX same company with XXXX inquiries and removal dates XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, XXXX XXXX ordered a part for our part shop. He was on the phone with someone that claimed to be from XXXX. He got put on hold and the person somehow got ahold of his bank account and was sending money to themselves through XXXX. They were sending {$1300.00}, {$500.00}, {$2900.00}, {$2700.00}, {$500.00} and {$3500.00} to people outside of the US. A week after this scam, Bank of America sent him an email stating they had a crisis about the XXXX scam. We received a letter on XX/XX/XXXX stating they are unable to approve the claim on several different accounts. We have about 4 business accounts that they took money from. The claim numbers are : Account ending XXXX XXXX, Account ending XXXX XXXX, Account ending XXXX XXXX, Account ending XXXX XXXX I have gave Bank of America authorization for CFPB to proceed with my 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 2022-04-29
Company: Consumer Adjustment Company Incorporated
State: AZ
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 have sent this company a letter on XXXX/XXXX/2022 about a validation they have not responded within 30 days now I am looking to collect my {$1000.00} per violation under 15 USC 1692k

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: JPMORGAN CHASE & CO.
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:
Back in 2021 I disputed an account that was fraudulently made under my personal information WITHOUT MY CONSENT, the company was JP MORGAN CHASE BANK. I reached out to them and notified them that I am a victim of identity fraud and that I was not in fact the owner of the account and the account was made without my permission without my consent... I reported this issue to the credit bureaus as well and provided them with documentation. I asked the credit bureaus and the CREDITOR to provide me with details and proof showing that it was me that created the account and they were unable to provide me with anything with my wet signature on it nor were they able to provide me anything proving that was me. PER 15 USC 1681B " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) 1 of this title ; '' THEREFORE, The account must be removed, blocked, and never to report on all 3 of my accounts ever again. This issue has been hard, it has blocked me from receiving credit, getting a house, and just has been stressful towards my life due to me having my identity stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX, Experian, XXXX information on my credit cards accounts are wrong. They have Total Accounts numbers, wrong payment histories each credit bureau is showing the wrong information. Plus, they have old addresses on my credit report. I tried to inform them with the current and nothing was changed. All information was upload attached.

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 2021-05-11
Company: Experian Information Solutions Inc.
State: DC
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:
On XX/XX/XXXX and XXXX, after multiple unsuccessful attempts to contact a merchant, I submitted 4 total disputes about charges to my XXXX  XXXX XXXX credit card, which had been double-billed both to my XXXX and XXXX cards. A few days later, I got an alert on XXXX XXXX that my credit score had dropped by about 20 points. I checked my Experian credit report online and it showed a comment : " Account in dispute -- reported by subscriber ( fcba ). '' That's just not true -- I disputed a few charges, not the whole account. 

After many calls to XXXX in which they displayed a total inability to correct a mistake they made, I tried calling Experian. I didn't want to dispute this account through their online process because the account already is in dispute, and after much XXXX I also wasn't able to find a number to call to file a dispute. Experian 's online instructions tell you to call the number at the bottom of the credit report they send to you, which you ... have to pay for, apparently? I wasn't able to find any such option available when viewing my credit report online. This is just absolute failure, a chain made entirely out of weak links. XXXX doesn't have an option internal to their organization to resolve this error, they point you to Experian, which makes it nigh on impossible to get anything fixed.

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