BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2021-06-08
Company: I.C. System, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company is reporting a collections account on my credit report to the credit bureaus. I have not received any written notification from this company to allow me the time to verify the accuracy of this debt and therefore they have violated my right to a 30 day timeframe to dispute. 

I sent a request to the credit bureaus stating this and this company responded to the credit bureau that the debt was valid. 

They are not willing to cooperate and follow due process therefore causing me much stress and harm to my otherwise clean 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 explanation
Consumer complaint received 2018-10-14
Company: EQUIFAX, INC.
State: CA
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:
EQUIFAX credit bureau has not properly used my identity theft packet to remove or block information reporting on my credit file due to fraud and identity theft. 

I have sent them my law enforcement report, all of my proper identifying documentation, as well as a victim statement and request to remove the account that is reporting due to fraud. 

They have done nothing but send a message to the creditor. 

Equifax states : " the creditor says all information including your name and address are reporting accurately. '' Of course it is! The identity thief used my real information! 

The other bureaus promptly blocked and removed the fraud. Equifax refuses to properly investigate and tells me there is nothing they can do with my identity theft report from the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: National Credit Systems,Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a letter from the National Credit System INC, regarding a debt of {$4300.00} from XXXX XXXX XXXX. The debt is in reference to 4 months of rent free living for a year long lease. I moved into XXXX XXXX at the end of XXXX  XX/XX/XXXX. They misrepresented them as XXXX XXXX. The agent that worked with me was XXXX XXXX from XXXX XXXX XXXX Upon moving in it was clear that the apartments were section 8 housing and not XXXX. On XX/XX/XXXX, I was threatened and assaulted in the XXXX XXXX XXXX  private parking garage by another tenant. I called 911 and filed a police report. On XX/XX/XXXX my father and I went to meet with the management of the building, meeting with XXXX XXXX. I explained what happened and how I was scared for my safety. There was no action taken on the management side. Management refused to follow lease protocol against the offending tenant. With no action being taken I was required to move out for my safety. I was aware that I would lose my deposit. After moving out I received an email from the management on XX/XX/XXXX, requesting payment for the concession rental incentive. I responded by disputing their claims. I did not hear anything back from them. I was shocked to have received a letter in the mail from a collections agency more than a year later. I thought this matter was resolved as I provided proof that management was negligent of my safety and moving was not by my wrong. I also got no notice to have the ability to contest this matter until this collection letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX in XXXX contacted me regarding some devices in my account ( 1 router and 2 cable boxes ) to be returned. I had cancelled the account in XXXX and they needed these devices back to clear my balance. I mailed them in XX/XX/XXXX. Months later for my surprise the account had been placed into collection. I called XXXX several times to dispute this and they told me that this needed to be fixed/negotiated directly with the collector. In XX/XX/XXXX I contacted the Department of Consumer and Worker Protection in XXXX. A financial counselor from this department suggested that I should request verification of this debt and settle the account for any charges that I recognized. Perhaps, I decided to call the collector and negotiated this account in XX/XX/XXXX. I wanted to close this and I was tired of trying to fix this for almost 2 years. I always make every effort to pay my debts and fulfill my responsibilities, In this instance I feel that is not fair this account continues reflected into collection. I have paid it. 
Under the federal Fair Debt Collection Practices Act, a debt collector generally is a person or a company that regularly COLLECTS DEBTS OWED TO OTHERS, usually when those DEBTS ARE PAST-DUE. Based on the information provided above, this debt is no longer in collection. This is not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: GREAT LAKES
State: NY
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 XXXX from XXXX College in Maryland ( now XXXX University ) in XXXX and from University at XXXX XXXX XXXX in XXXX. I have a loan from the XXXX XXXX XXXX XXXX ( XXXX ) that has been serviced by Great Lakes since at least XX/XX/XXXX. I am in a standard repayment plan, with monthly payments of {$350.00}. 

Over the years, I have diligently made extra payments on the loan in an effort to repay it earlier. Great Lakes never gave me the option of applying 100 % of those extra payments to the principal of the loan in order to reduce the principal and thus the amount of interest being charged. Instead, even while I made the automatic monthly payment of {$350.00}, they applied a portion of each extra payment to principal and a portion to interest, considering me to have " paid ahead '' on the loan. I did not wish to " pay ahead '' but to reduce the principal beyond the amount that the monthly payment did in order to make headway on repayment. 

Finally I took advantage of the fact that I am paid ahead to XXXX, and I stopped monthly payments sometime within the past year due to some income issues in my family. I started making monthly payments again this month, but now the amount of interest outstanding is over {$1000.00}, and all of the repayments are applied to that interest amount first. 

Great Lakes practices seem out of step with normal loan servicing practices and hurt consumers like myself who are simply trying to rid themselves of student loan debt burdens. 

I am not able to provide my account history. Great Lakes only provides statements for the past year, and since I was not making payments, there is little information available to me. I would be happy to work on reconstructing the history based upon my bank account and other records, but it would take some time and effort.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: Coinbase, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
This is in reference from transactions on XXXX XXXX before my account was locked with no explanation. 

I submitted XXXX emails to Coinbase with only " We are working on it '' generic responses. 

XXXX ) My transaction records do not match what was actually sold or withdrawn. 
XXXX ) Coinbase initiated a transaction in my account without my knowledge. 
XXXX ) I need reimbursement for all fees associated with transactions on XX/XX/XXXX that did not actually go through. 
XXXX ) I need my transaction records updated as to the actual sales on my account ( Delete the ones that were cancelled / altered ) XXXX ) Coinbase took {$21000.00} from my account without any consent or explanation. 

This happened to thousands of other people with no explanation. 
XXXX XXXX on XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: CAINE & WEINER COMPANY, INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is in response to CAINE AND WEINER verifying a account. The account they are reporting under my name is inaccurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of their re- investigation. Additionally, please have them provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response oXXXX XXXX  verification is unacceptable. I am requesting a reinvestigation AND there Method of Verification. Be aware that I am making a final goodwill attempt to have XXXX XXXX XXXX  clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting. I am maintaining a careful record of my communications with them for the purpose of filing another complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should CAINE AND Weiner continue in there non- compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), they may be liable for willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this complaint may result in a small claims action against CAINE AND Weiner, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX P.S. Please be aware that dependent upon CAINE AND Weiner response, I may be detailing any potential issues with this company via an online public press release, including documentation of any potential small claims action. This account is not mine and a bill is not verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There is a medical bill that is reporting on my credit file showing it opened in XX/XX/2020 with XXXX XXXX  XXXX XXXX XXXX. I have not had services with them in almost 7 years. They need to stop reporting this as being new because that is NOT THE CASE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts and Addresses were opened fraudulently without my permission or authorization, I demand for them to be removed immediately by law- Credit Cards- XXXX. XXXX XXXX Account # XXXX XXXX XXXX XXXX, XXXX Amount- {$6000.00} XXXX. XXXX Account # - XXXX Open dateXXXX XX/XX/XXXX -Amount- {$2400.00} XXXX. XXXX XXXX Account # - XXXX XXXX XXXX XX/XX/XXXX, XXXX Amount- {$4300.00} XXXX. XXXX XXXX Account # - XXXX XXXX XXXX XX/XX/XXXX, XXXX Amount- $ {$7600.00} XXXX. XXXX XXXX Account # - XXXX Open Date- XX/XX/XXXX, XXXX Amount- {$1000.00} Inquires XXXX. XXXX XXXX- Inquiry date- XX/XX/XXXX XXXXXXXX XXXX- Inquiry Date- XX/XX/XXXX XXXX. XXXX - XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/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 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 2023-11-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have observed unauthorized inquiries on my credit report or instances where applications were made in my name without my consent.

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 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion is not updating since XXXX 2023, just trying to get them to update my balance/ credit limit. 

XXXX sent new cycle and information to TransUnion but still no update.

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 2019-11-27
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I visited a Chase branch for my direct deposit information on XX/XX/2019. The branch is located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. A chase representative by the name of XXXX XXXX printed out the information. The very next day, I provided the information to my employer not knowing the account information was incorrect. A few weeks later when it was time for me get my check, I was notified by my employer the reason for non-payment in the amount of {$380.00} via XXXX XXXX, the bank account information provided to me by my bank was actually someone else account number. I immediately called chase to file a claim on XX/XX/2019 with the claims department the representative advised me the claim would take anywhere between 1-2 business days to complete.I called chase bank back on Tuesday, XX/XX/XXXX for an update- during that call I was told I needed a letter of indemnity. I asked for a manager while on the call and was denied the opportunity to speak to a manager due to ( the manager was in a meeting per the employee ). My employer sent the letter for the claim number that was provided via the claims department. On XX/XX/2019 my employer attempted to void the deposited payment. However, Chase deposited the funds in the wrong account number and was not compliant when my employer kicked the funds back. 

After the letter was sent I spoke to the claims department again on XXXX XXXX the and was transferred to a representative from the ACH department who informed me the letter of indemnity was not received by my employer. That was incorrect because my employer sent the information to me. The representative informed me the letter had to be sent from the original bank of the company I worked for ). As requested, I reached out to my employer to have the payroll department to reach out to the original bank, " XXXX '' that was completed on my behalf. 

Shortly after I felt as if I was not being heard and was no important because the amount was such a small amount to a company such as Chase. I have tried on numerous occasions to obtain my funds from Chase and be compliant. I have provided Chase with everything they asked of me and here it is XX/XX/XXXX ( 5 months later ) I still have not received my funds. Attached below is the letter of indemnity that was sent to Chase from my employer. Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-11
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:
To Whom It May Concern This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I have not received any thing that meets the standard of Section 609 E2 A1 Validation,  Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. 
In addition if you cant obtain this info you are required to delete this information off, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under XXXX Taking assignment of debts. FDCPA I fail to see where the following companies are in compliance with OHIO LAW. The following account are still unverified : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I  am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. I have enclosed all of the accounts If you do not remove this items in a timely matter I will file a law suit under section 617 under the color of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-15
Company: Southwest Recovery Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2013, this debt for { {$2700.00} } appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation