BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-27
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I was supposed to receive the Go Card for GA UI. But the card never arrived to my current address. I attempted to call the 800 customer service number but I could not reach anyone to speak with, because the IVR asks for a pin which I never set up because I never received the card and the system will not allow you to speak directly with a rep. I've written two letters to the address in XXXX XXXX and still have not received any communications via email or by phone which was both provided in the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: EQUIFAX, INC.
State: LA
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:
remove fraudulent / unauthorized inquiry from XXXX on XX/XX/2023 off my credit report or provide proof in writing within XXXX  days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This collection agency popped up on my credit report on XX/XX/20/17 and I have been disputing this with them every since then. I sent them a HIPAA verification letter as well as a debt validation letter that they have not responded to. This is not a debt that I owe because I had health insurance that was not run or charged at that time and I have told this collection agency this as well. They need to remove this from my credit report and update with the bureau 's immediately especially since they are not responding to my letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have made several attempts with the following credit bureaus : XXXX, TransUnion, XXXX  all in certified-mail format. Enclosed were detailed information about inquiries, erroneous information and XXXX XXXX XXXX when they have received a judgment against them for defrauding consumers with these credit bureaus will not remove this information from my credit profile. An addition to all the inquiries I challenged as inaccurate information. I have disputed them numerous times on their websites and by certified mail. I am reaching out to get this matter resolved ASAP so as to improve my quality of life and receive the credit I have deserved and earned.

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 2021-05-25
Company: Winklevoss Exchange LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I opened an account with Gemini Trust Company , LLC ( XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX ) on XX/XX/2021, provided all the verification IDs, etc. They linked my bank acct and on XX/XX/2021 I was able to ACH funds ( {$5000.00} ). I was able to repeat the process 2 more times ( both {$5000.00} each ) once each on the following days without Issue. On XX/XX/2021 I made a purchase without Issue. Then again on XX/XX/2021 I placed a XXXX XXXX order on the XXXX platform. On XX/XX/2021 I received a message stating that " We've frozen your account Your Gemini account has been deactivated. Please contact Gemini support '' which I did immediately. Asking why the account was frozen in order to rectify things and to not do the same mistake again. I received a standard robo-generated response " We have received your request! - Problem with Account, XXXX '' without any other details. I tried to cancel my XXXX XXXX order. but was unable to do it. The order was later fulfilled on XX/XX/2021. On XX/XX/2021 I responded to my 1st email asking basically the same question. No response. I have patiently waited for some resolution and it has now been 15 days since the account was frozen. On XX/XX/2021 I sent another request email to the original email and have not received a response. I want this issue resolved and I want to remove my funds from Gemini. I did not realize how many people have had the same issue with Gemini. I should have checked prior to trying to do business with them. I have learned my lesson!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I was going through final loan process for being approved for my home and learned that there is a bankruptcy reporting on my credit. I have never filed for bankruptcy and is requesting this is removed immediately from my credit report so I can purchase my home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2021-05-25
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX utilized Eastern Account System to collect on a debt that was resolved back in 2015. They did not provide me written notification and have now added this debt to my credit report causing a serious negative impact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: EQUIFAX, INC.
State: NY
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX claims they have documents validating debt owed. They have not submitted any documentation to me validating any debt. I never signed a contract with XXXX XXXX I did not give XXXX XXXX the permission to furnish information on my consumer report non consent is identity theft. 15 USC 6802 prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. As a financial institution they are not to disclose non public personal information to a third party unless such financial institution clearly & conspicuously discloses to the consumer in writing or electronic form or other form permitted by the regulation prescribed under section 6804 of this title that such information may be disclosed. I did not receive any of the 3 disclosures I just mentioned, which Ive discovered is against consumer law and a direct violation. XXXX XXXX is also reporting inaccurate information on my consumer report which is a another violation under the FCRA 15 USC 1681. USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX XXXX  permission which is another violation. TILA 15 USC 1601 protects me as a consumer against inaccurate & unfair credit billing. As a consumer, I never signed an agreement to enter into a credit transaction with XXXX XXXX USC 1692b states that any debt collector is not to state that such consumer owes any debt, I have a letter from XXXX XXXX  stating that owe a debt to them but it is not valid. My complaint is also with three bureaus TransUnion, XXXX and XXXX who are allowing XXXX XXXX to report inaccurate information on my consumer report which is a violation under the FCRA 15 USC 1681. USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give TransUnion, XXXX, or XXXX permission which is another violation on their behalf. Not only did I not give permission to furnish this information on my consumer report, the information is also incorrect which is a violation under 15 USC 1681b for those two violations under FCRA I am seeking {$2000.00} from each credit bureau.

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 2018-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
This was a total loss vehicle, it was being paid by gap and insurance. I was the cosigner on the vehicle. There was XXXX left on the account. XXXX XXXX charged it off, I never recieved a letter or a phone call about this. When I did find out I contacted my insurance and they had sent the last check to the wrong place and it was quickly resolved. Now my credit is ruined. I have disputed it with the company three times and the credit agency 's. The credit agency 's are reporting it as XXXX was the charge off which is inaccurate, it was XXXX which I disputed but they are still saying thats what XXXX  XXXX reported. I have submitted to you documents showing this is wrong.

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 2022-11-17
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account name XXXX XXXX funding Account # XXXX Account name XXXX XXXX account # XXXX Account name XXXX XXXX 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 2 : It also states a consumer reporting agency can not furnish a 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 2017-09-18
Company: AES/PHEAA
State: IL
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 would like to file a formal complaint against XXXX XXXX XXXX XXXX. They have been my loan servicer for years, since consolidating my loans under the Obama administration programs. I have continued to encounter the same problems, year after year, particularly with updating and renewing my income based repayment program information. This year, for example, I became divorced XXXX in XXXX of XXXX ) which drastically changed my household income. I submitted a recertification form within weeks of this event and provided documentation of my new household income. When I called to ask about the status, I was told that they were behind in processing these types of requests. They gave me the option of being in forbearance which I did not want to do because that would simply allow my interest to build and I would also not be making a qualifying payment towards my plan if I were to enter forbearance. I updated my re-certification information again this XXXX upon receiving a letter from them stating that I needed to do so ( even though they had all of my information since XXXX of last year with no change in my payment ). After several phone calls, they again said that they were behind in processing and I had done all I could, I just had to wait for them. Finally, this week I received letters of my new payment amount, a year later, which is only slightly less despite my household income going down by {$80000.00} per year. Not only has the payment amount hardly changed, but they put half of my loans on forbearance without my knowledge or permission and drafted {$1600.00} from my checking account this month on XXXX XXXX, XXXX without advance notice ( which is nearly XXXX times my normal payment ) even though all of my recertification information was in for months and is stated so on their website. This has happened before, and they refuse to refund the amount that was over and above my normal payment. As a XXXX mother, trying to support her family all while making student loan payments that are nearly the size of my mortgage, I am asking for my complaint and several other similar complaints of students working with this company to be taken seriously so that they can be held accountable for their extreme negligence and misconduct.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5500.00} ; XXXX XXXX XXXX XXXX XXXXXXXX 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

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 2023-05-12
Company: EQUIFAX, 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
HSBC Bank sent us credit cards that we did not request. I called them and they said they would cancel the cards. They could not tell me who applied using our name or why they sent us cards. About two weeks later we received a welcome packet in the mail asking us to activate the cards. I called HSBC Bank again, the cards had not been cancelled. Once again, th
ey have promised to cancel the cards. This time I requested an email confirming action on there part. I will call them back if I don't receive the requested email promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Equifax, XXXX and XXXX have constantly abused power as far as reporting inaccurate information. Please remove these inaccurate items.. The misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus " are not operating with in the boundaries of FCRA and FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been having an ongoing issue with capital one bank not releasing my funds of XXXX that remained from my small business loan a loan that I have to pay back but theyre holding my funds hostage. I talked to the security team with capital one and they stated they were sending it to the lender but would not give a time frame so I contacted my lender and they stated at this point its my money and since the ppp closed there is nothing they can do. It has been for 4 months and I feel like they are trying to still my money

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: Upstart Holdings, Inc.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Here is my situation : I obtained a loan from Upstart.com. When setting up my loan payments I added my primary bank account. That account is used for recurring payments. A little over a year in, all payments being made on time, I need to close that account so I can transition to another bank. Then, I go to Upstart to add this new account so I can add the new account. This is where I run in to problems.

According to Upstart there are 3 ways to add my new bank account. First, through logging in with my banks username and PW on their site. Unfortunately, since my bank is a small bank Upstart 's system is not compatible. Second, by uploading a check. I don't used checks and have none associated with this account. Third, 'small deposit method. ' This is where I enter my routing/account number, they place small deposits in my account, and I confirm. Because the first two options don't work for me, I chose this. However, there is a glitch in THEIR system. No matter how many times I enter my info I get an error message. They have acknowledged that this third method does not work. I only have the first two options, which for the reasons stated above, do not work for me.

I call and ask them to add my account manually. They say this is impossible. I find that ridiculous. First off, it is not this difficult to add bank accounts from any other major creditor. I believe this company is intentionally making this difficult. My current account will close next month and I will literally have no way to make a payment on my account. I am ready, willing, and able to make payments. They won't let me. Then, of course, they will report late payments to my credit and charge me more fees. This is outrageous. They appear to be making this difficult on purpose. 


Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
National Credit Systems is committing fraudulent practices. This collection Agency has reported to the Credit Bureaus that I owe 2 times more than what was agreed upon. I have disputed this debt with National Credit Systems 2 times, back in XX/XX/XXXX and again in XX/XX/XXXX. Their responses has been a copy of a lease and an itemization list showing fraudulent charges from the apartment complex I was previous with. Not only I have solid proof that the fraudulent charges were added after I have left the apartment complex. But I can prove that the apartment complex gave them the information that lead up to these charges. In addition : 1 ) National Credit Systems are in direct violation of 15 U.S.C. Section 1692 ( g ) ; Sections 808 part 1 and 809 ( b ) of the FDCPA. 

2 ) I do not have a contractual agreement with National Credit Systems.

Company response to consumer: Closed with explanation