BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-25
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
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 been disputing the accounts with AES -- AES/XXXX ( original : {$14000.00}, balance : {$22000.00} ) and AES/XXXX XXXX ( original : {$14000.00} ; which apparently transferred to AES/XXXX   -- was never informed of this either, if so, then PROOF PLEASE ). I've been disputing for the past few months because I have been monitoring my reports and having accounts validated. After some time, AES sent me a promissory note that was not even originally sent to them ; it was not for them at all. I asked for validation that included original documentation bearing my signature and that shows a clear contractual agreement with the company/companies reporting on my credit files. The promissory note sent to me absolutely does not -- because again, as you will see from my attachments, the note was not even addressed to them for payback at all. I am filing separate complaints against the bureaus for constantly coming back with results claiming truly unverified, invalidated accounts are " verified '', " verified as accurate '', and " validated '', basically taking these companies ' word for it -- NOT that there is actual proof, which is required under the FCRA and FDCPA. They are essentially violating law, which is one of the reasons for my complaints. In addition to the promissory, I have included one redacted letter sent to XXXX  as an example to them of what I've been requesting from each of the major bureaus ; it is the final letter I sent to XXXX and displays the seriousness of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
This is in regard to my Coinbase account. Once again, I have been rendered disabled from my Coinbase account where I can not do any trading, buying, selling or transferring money from my account to Coinbase ; and I have tried numerous times, and I have followed all of Coinbase 's instructions and complaint. This has been going on for several days. I have over {$44000.00} locked in this account where it remains completely frozen. I have been given codes to give to Coinbase, a direct line. My codes have been XXXX and another code has been XXXX, and I have had an authenticator code XXXX ; and my most recent discussion about my account was speaking to a lady named XXXX at XXXX XXXX on XX/XX/2023, namely on XXXXXXXX XXXX XXXX. I am spending my XXXX 's XXXX where I should be relaxing. I am getting stressed over my Coinbase account. The last time this happened, I requested your services ; and within 24-48 hours, I was miraculously reinstated, whereas before I was out of the account for more than three months. I need your assistance. The account that they use for Coinbase is based on my email address which is XXXX and my cell phone is ( XXXX ) XXXX and my home address is XXXX XXXX XXXX, XXXX, NY XXXX. Please assist me, and Coinbase has also been charging me {$20.00} a month to have 24-hour access and not to be charged for any transactions ; however, this has not been the case. I need a credit for the payments that I made with no service being given. Once again, Coinbase has rendered poor quality service on a continuous basis, and they should be admonished for this. Please assist me in any way you can, and please expedite my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
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:
Regardless of the multiple written requests, the unverified account listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove this account completely from my 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 2021-05-11
Company: U.S. BANCORP
State: AL
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 checked my credit report on XXXX XXXX and realized I had inquires on my report that I don't recognize, they are all from 2021 Inquiry disputes Us Bancorp XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
transunion file # XXXX I was trying to verify bankruptcy on my credit report. Agency took to quickly to verify account. I challenge the verification method. After talking to the bankruptcy court listed they dont report records. I demand the correspondence ( paperwork ) received from the bankruptcy court. If no proof is given to me its hearsay. I demand to remove the bankruptcy if proper verification wasnt performed and thats something from the court. I have a letter handy that no transunion contacted them to verify anything in my name. Without proper papers from the court with my signature this remark will need to be removed per the fcra rules.

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 2023-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was awarded over XXXX by the EDD for PUA. Before I received access to XXXX  dollar Bank of America allowed someone to fraudulently change my address and they intercepted my debit card. I called hundreds of times to check on the status of my card and I couldnt be verified which did not make any sense, and they just would refer me to the Edd to change my information so I could be verified. I spent countless time going back and forth with the bank reps, only to months later have a Bank of America rep accidentally disclose my address which gave me a way to reset my own account online, that had been set up by a fraudster. I then learned the extent of my case was in fact much worse than I could have imagined, not simply not receiving my card but it was drained every time my Edd funds were deposited. I Immediatly filed a dispute and the funds were temporarily put back into my account only to be immediately taken back by Bank of America after supposed investigation. They locked my account down for not being able to verify my identity. Months went by before eventually after a judge order I was able to verify myself and reopen my disputes. In the time I was helpless I reached out to my state assemblyman and anyone I thought could help. To this day I have received a total of XXXX. I had three disputes opened in the amounts of about XXXX, XXXX, and XXXX. For Nearly a year I call about a status of the reopened cases and just get vague, uncertain responses. It was first you will have a decision in the cases at most in 30 days. Then it became soon, we will add you to the waitlist. Month after month. Finally in XXXX they decided one case, the smallest of XXXX, in my favor. They didnt even notify me. I have called every week and all the claims dept will do is file w complaint, whatever that means. I am struggling, every day, and would implore your help protecting my award money and not being bullied by a bank with no recourse. 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 monetary relief
Consumer complaint received 2020-01-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
A charge was made on my chase credit card on XX/XX/2019. It was a charge that I did not make. It was a purchase on amazon, in the amount of {$280.00}. I first called amazon about the charge. The order was not made by my account and I was told by amazon to call my bank and report the fraud charge. I called chase and reported the unauthorized charge in my credit card. They refunded me money at first but charge it back on my account. When I called them, upon review with their fraud team they do not consider my charge that I did not make and a transaction that does not appear on my amazon account a fraudulent charge. They stated that the merchant provided tracking number for a package that was sent to my address. Mind you I have never received such package. As I explain that I did not authorize the charge and I also did not receive any package, one of the reps told me that I should have not filed the claim as a fraud and I should have filed is as a item that I did not receive and I had only one shot to make the claim. I have this persons direct line and voicemail. I went ahead and called amazon, they are at fault at this as well. So while we dig more into this charge they tell me that the email used to make this charge is a unverified email, being unverified they can not provide me a refund and that the credit card should refund me. As we dig more into the charge, the amazon rep. told me that the charge was at XX/XX/2019 but the seller shipped the item XX/XX/2019. Amazon rep. Told me to call the bank again and dispute the claim once again. I message amazon to see if they can provide a written letter of the findings of the card was fraudulent but was told they can not provide such letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2021 I called Rash and Associates ( a XXXX collection agency ) to dispute an account that was a result of Identity Theft. This account is having a negative impact on my credit report and creating a very challenging situation for me to get certain loans. 
On XX/XX/2021, WITHOUT MY CONCENT Rash and Associates performed a Hard Inquiry that lowered my Credit Score. This is not acceptable and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: Diversified Consultants, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
To Whom it my concern, I am being fraudulently pursued by XXXX for a debt I do not owe. XXXX claimed that I owed them {$450.00} and sold the debt ladened with false fees to a company called XXXX XXXX. I disputed the debt with the credit agencies and the debt was deemed illegitimate because XXXX and XXXX could not prove why I owed that amount. The debt under XXXX was removed from my credit report and a week later I began receiving calls from XXXX attempting to collect on the very debt that they could not prove. I informed them that the debt was disputed and removed from my credit report. A month later however a different company named diversified consultant reported the same debt on behalf of XXXX to my credit report. I called the company and they informed me that XXXX had sent the debt back to XXXX  who then sold the same disputed and disproved debt to them. I am now disputing the same debt twice with two different companies. XXXX who allowed a secutiy that put y name, address and social security number at risk, all they offered in return was one year of free credit monitoring. An irresponsible and fraudulent company such as XXXX should not be allowed to endanger my personal information, charge me fradualent fees while I travel abroad and then sell the same debt I have disproved to multiple companies. I will pursue this to the full extent of the law i.e. I will suing. 

XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was going through my consumer report and recognized an outdated and incorrect information on my personal information that needs to be updated. I am updating my Experian personal information on my birth year which is the year XXXX not XXXX, so please delete XXXX and replace the year with XXXX which the year I was born. Please delete the following addresses XXXX XXXX XXXX XXXX XXXXXXXX MD XXXXXXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX for these are outdated addresses I no longer live at. When disputing, experian does not give me the option to say these address are no longer where i live at. On my consumer there are XXXX different names in my personal information so I demand Experian to delete the name XXXX XXXX XXXX for the possibility of identity theft and to update the current name as XXXX XXXX. I have attached my drivers license with the current address and updated information to confirm.

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 2023-01-25
Company: EQUIFAX, INC.
State: GA
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:
Account is XXXX XXXX  to be on credit report. First date of delinquency is incorrect. Account was opened in XX/XX/2016 and no payment was ever made and it was sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Continental Credit Control
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent 3 times certified with return receipt in total of for a debt that is still on my credit over year that is not mine. I have asked copy of my signed contract or any signed agreement between me and the supposed debt obligation. They have only harassed my phone during regular hours and after hours of XXXX. I have received calls up to XXXX XXXX. They have made multiple duplicate negative entries on all 3 of my credit reports. I have reached out also by phone with nothing but disgust and being lied to about to the legal protocols of credit, debt collection and what I am supposed to pay them. I have never worked with a company that shows such a disregard for people or the law. When I bring up the FDCPA they respond with try to enforce it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/XXXX, XXXX filed a judgement against my homestead property in Texas. We have owned and lived in and claimed this home as our homestead since XXXX. The property address is XXXX XXXX XXXX, XXXX, TX XXXX. The judgement Case # XXXX, Instrument # XXXX. This judgement was for an unpaid credit card debt. I acknowledge the debt, however, the judgement should not have been placed on my homestead property. I have been unable to refinance my home due to this judgement. I've tried to work with XXXX and then Capital One ( judgement was sold from XXXX to Capital One ) since XX/XX/XXXX when I discovered the lien. They prepared a partial release but it was never recorded. When we tried to refinance our home in XX/XX/XXXX, I discovered that the release had not been filed. I've been trying to work with them to re-prepare the release and get it re-filed since XX/XX/XXXX but I've had no luck. I most recently spoke with XXXX, XXXX, XXXX and XXXX at XXXX who have all attempted to assist, however, they've been unable to provide either an original release for me to file or have their legal team send the release to the county for recording. I need to refinance my home as I was recently ( XX/XX/XXXX ) laid-off and had to take a job paying considerably less. Capital One is preventing me from doing so and as a result I may lose my home and ruin my credit because I can not pay my bills at my reduced salary. My account # with Capital One is XXXX. I am happy to file the release myself ; I just need them to prepare it and send me the original so that I may do so. Again, I have been trying to resolve this issue since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1.Account name : XXXX XXXX XXXX Account XXXX XXXX, 2.Account Name : XXXX Account # XXXX, 3Account Name : XXXX XXXX XXXX  Account # XXXX, 4Account Name : XXXX  Account number # XXXX, 5XXXX XXXX  XXXX XXXX Account NumberXXXX, 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 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 explanation
Consumer complaint received 2022-01-28
Company: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, I would like to submit an official complaint on XXXX XXXX a Senior Loan Advisor from Freedom Mortgage. I spoke to XXXX XXXX on XX/XX/22 and I verbally stated multiple time over the phone and via email to not run/pull credit reports for my wife and myself however he pulled our credit anyways without our permission. 

Agents ' info : XXXX XXXX Senior Loan Advisor NMLS # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Direct : XXXX Office : XXXX ext. XXXX Fax : XXXX XXXX FreedomMortgage.com

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