BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-08
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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am interested in disputing all inaccuracies on my credit report with Experian.

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 2018-09-11
Company: Navient Solutions, LLC.
State: PA
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 a loan with NAVIENT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and NAVIENT with no successful resolution. XXXX, XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/XXXX / XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I create a account with coinbase on XXXX/XXXX/XXXX I bought : " XXXX bitcoin '' worth XXXX dollars And i also bought " 2 ''  ethereums worth XXXX dollars And for some reason since the first day they transfer the money from my bank to coinbase account I was not able to sell pr buy more of any virtual currency ... i kept trying and trying and nothing Finally I called them up to this phone number XXXX ( XXXX ) XXXX and talk to them about the problem on tuesday XXXX/XXXX/XXXX They told oh its okay we are going to guide you to the process to make a new account ... and they start " guiding " me to send my funds ( by this time my funds where XXXX dollars for bitcoin funds and XXXX dollars for ethereum ) to my " new '' account and then after i sent my funds where they told me to do so.. they say in a few hours we are gon na send you an email with the link to your new account ... 
I say ok .... 
And like 2 hours later the same guy that helped me ( XXXX XXXX ) called me up from this phone number XXXX XXXX XXXX XXXX XXXX asking me if i received that email ... i said no not yet ... then he said ok you 'll receive it shortly .... 
i called him an hour later asking him about that email, he said just call me tomorrow because our services hours are out ... 
I called him next day asking him about the email he said that he didnt remember me ... start asking my info .. i gave it to him ... and all the sudden he hang up the phone ... i tried to call his number and the line didnt ring at all ... after that i call him on the other phone number ... same guy answers and I say heyy what happened to the other line? He said that line was down .. i said ok well explain to me about my new account ... he said oh my manager will talk to you about it ... i start talking to the manager he said for me to be able to open my account i had to deposit XXXX on my coinbase account .. i said i dont have that money ... he said ok well then you wont be able to recover ypur account until you deposit XXXX and hang up on me .... after that he texted me from this same phone number that i will receive that email in 48 hours .. i havent received any email and i try to call him several times and it seems like they blocked me ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These Inquiries Hard do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Use date 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 2022-08-06
Company: Experian Information Solutions Inc.
State: WA
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:
These accounts have all been removed from my XXXX credit reporting account I would like Experian, and XXXX to do the same for the following accounts XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumer 's file to other such consumer reporting agencies. In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 agency can not furnish an account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engage any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

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 2023-10-02
Company: CL Holdings LLC
State: NV
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have sent more than 2 dispute letters to JEFFERSON CAPITAL SYSTEM ( JCS ) via certified mail at their given address of : XXXX XXXX XXXX XXXX XXXX, MN XXXX. 

THERE HAS BEEN NO WRITTEN RESPONSE to the consumer to validate the alleged debt discusses in each dispute letter. 

This has cause me great pain in business collaborations and opportunities for my family, because this account is reporting negatively on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 I mailed a certified letter to Transworld Systems Inc requesting the company to verify the validity of this alleged debt. It has been over 30 days and I have not heard anything from the company and they have yet to remove this inaccurate credit debt from my credit report. This is why I am filing a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15
Company: Imperial Recovery Consultants, LLC
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They have reapeatedly call my numbers AFter I explain that the yare calling the wrong number and that I am not the one that they are looking for. So I told them to please take my number off their calling list. But htey have not. They already call me and hang up 3 times @ XXXX this morning. I return the call just to confirm and the office respond by looking up my phone number and she told me thier was not any number on their list. 
Company name is IRC services. Phone number is showing up is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: AES/PHEAA
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I recently completed a direct consolidation with the Department of Education to enroll in the Public Service Loan Forgiveness Program. After consolidating and beginning payments under the income based payments with XXXX, my loan was transferred to XXXX  XXXX. I was notified that I needed to make a XXXX payment to XXXX, but had already made a XXXX payment to XXXX on XX/XX/XXXX. It's XX/XX/XXXX and XXXX is still hounding me about the payment I made on XX/XX/XXXX. Additionally, they have required me to reapply for income based loan repayment plan even though I had already completed that process. I have spoken with their customer service representatives about this issue, but they haven't done anything to stop me from being harassed about a payment that I've already made. I expect better service from someone who is profiting from servicing my loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
This is an amendment to my recent complaint against Santander Consumer USA. I had received loan payment extensions and was Not informed of the additional charges ( interest, late charges and other fees ). They were sent me an email about some fees but the notice failed to explain additional fees associated with my account. Additionally they did not disclose to me the terms and other info that would affect ( impact ) the way my loan was being handled. Even though they record calls they do not disclose all actions being taken which has affected my loan significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: TN
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 Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A section XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2020-09-23
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On or around XX/XX/20 I was the victim of identity theft and Citibank wire fraud. Online access to my checking and savings account was frozen however the bank did not make every effort to notify me either my email, text or phone numbers associated with my account. Aside from a large amount of money withdrawn via wire transfer, there were also multiple ATM withdrawals and debit purchases by the perpetrator. 
I made numerous calls to Citibank supervisors and went into my local branch over the ensuing weeks ( most recently on XX/XX/20 ) to try to resolve this issue and its now nearly 2 months later and the issue has still not been rectified. My account is still frozen, I reach out to supervisors and do not get responses or follow up.

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 2022-08-14
Company: EQUIFAX, INC.
State: AL
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 XXXX XXXX XXXX Account # XXXX Has failed to correct and report proper payment status and balance of this account to my detriment. XXXX XXXX XX/XX/XXXX as well as XXXX, XXXX, and XX/XX/XXXX they have failed to fully report the status and balance of this account. Omitting this information has resulted in positive payment History creditors dropping me from making any withdrawals as these omissions are reporting as unknown and presumed as missed payments. I have settled this account with XXXX XXXX and they continue to report incomplete information. After settling this account they reported this account with a new major delinquency XX/XX/XXXX to the credit bureaus after agreeing to report the account as XXXX XXXX XXXX this creditor is spiteful and unjust even after I elected to settle the account in good faith. Even now they will not report the original balance, the date closed, past due amount which should say {$0.00}, or date of last activity. I have been told by XXXX XXXX that the new reports would be correct and after disputing with the bureaus they refuse in an effort to harm my odds of homeownership or favorable credit scores they have failed to report accurate and complete information numerous times please delete this account from all bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
I ordered a tax software XXXX  that I tracked and " deivered " in a day. 
I waited a week and nothing arrived. There was a chat box on the supplier as I purchased it thru XXXX XXXX XXXX XXXX XXXX XXXX The chat box was the supplier " XXXX '' They said they can supply me software on a flash drive but not on a disk as advertised with plastic sleeve. This smells like a counterfeit copied software. I do not want it as " virus '' can be on flashdrive. Please credit me on this disputed purchase XX/XX/XXXX, XXXX for {$29.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: T.S. Holdings
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I received a notification from XXXX XXXX XXXX that I have an Eviction mark on my XXXX Consumer Disclosure report. XXXX XXXX, a residential property, accessed my report following a rental application for an apartment I applied to on XX/XX/XXXX. My application was denied due to this false statement of Eviction. 

On XX/XX/XXXX my Attorney XXXX XXXX XXXX ( XXXX ) represented my case of XXXX XXXX XXXX XXXX, XXXX. The judge presiding over the case dismissed the Eviction penalty due to my economic hardship status ( due to XXXX XXXX, XXXX refusal to acknowledge XXXX County rental hardship program ), and therefore I was unable to pay the {$1700.00} balance owed. 

I was demanded by XXXX XXXX, XXXX to vacate the property at XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX in XXXX, XXXX. I obliged and I was no longer subject to eviction status. 

Yes, I see two separate records in the amount of {$1700.00} as an outstanding balance from XXXX XXXX, XXXX. 

I would like this formal complaint to be investigated so that this mark on my consumer report can be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I had a rent check made out to my company. I never got it. It seems it was stolen en route. 
The tenant showed me that the check was endorsed, deposited, and debited from his account. 
Obviously, it was a fraud, that someone deposited into his account. 
The bank wrongfully paid this check even though it was made out to a different business name. 
My first place to go was the bank that paid this check. ( JP Morgan Chase, they are the check writers bank. ) However, I can not get anywhere with them. They committed an error by paying this check and they don't want to cooperate with me. I am getting a run-around. 

All they answer me is : it's under investigation. 
Mind you, it is over two months now. 
They can trace this thing in a minute if they wanted. 

I am attaching photos of the paid check with the fraudulent endorsement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently paid off my mortgage ( address XXXX XXXX XXXX XXXX XXXX PA XXXX ) on XX/XX/2022. I have been attempting to call them and hold times are incredibly long and can not get anyone to assist me. There was an Escrow to Mortgagor Disbursement in the amount of {$4100.00} ( check ) that was sent on XX/XX/2022 that I have yet to receive at my current address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX or at my property address noted above. 

I am looking for assistance in attempting to obtain these funds. I maybe reached at XXXX or via email at XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$1300.00}, {$5700.00}, {$220.00}, {$3600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. JXXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 


-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$220.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3600.00} -This is not my account.

Company response to consumer: Closed with explanation