BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS COST A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGE THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRES HAVE THEM REMOVE OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Google Compare Credit Cards Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Starting XXXX I was getting charges from Google XXXX XXXX  from Google on credit cards. I reported fraud. Then identity theft. They allowed 171 transactions for {$3300.00} total run through the XXXX XXXX and was not me. I was hacked. I have proof on recording from XXXX I have no account! They processed a few refunds then stopped. I have already sent tons of evidence and they say they will not help. End all conversations and refuse to help. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Avant Holding Company, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Avant credit card company charged late fee of {$25.00}. Because they could not pull out monthly payment from my bank account. I did try with them to waiver this late fee. But they denied twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The account in question was sold to a debt collection agency and I was not informed of my right to dispute. Furthermore, when I did dispute this account based off of not having a contract with the debt collection agency, the credit bureau removed the account and the debt collection agency then reinserted it without any written notice whatsoever and did not send any information showing that they did their due diligence to investigate or ensure the information obtained was complete and accurate. I called and left a voicemail to let them know that I would be taking action should be the account not be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: NC
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:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$600.00} XXXX XXXX XXXX : {$160.00}

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 2017-09-29
Company: AES/PHEAA
State: VT
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 was asked to renew my income for an income based repayment plan on XX/XX/XXXX. The information I recived was, "You currently repay your loans under the Revised Pay As You Earn (REPAYE) Repayment plan. Under this plan, your monthly payment amount is based on your income and family size. As part of the REPAYE plan, you are required to recertify annually. Since you are approaching the end of your 12-month payment period, you need to provide your and your spouse's (if applicable) income documentation and verify your family size, so we can recalculate your monthly payment. You must do this even if your income and family size has not changed. Recertify electronically at StudentLoans.gov. We must receive your application by XX/XX/XXXX. If we do not receive your application within 10 days of this date, your monthly payment is estimated to be $XXXX, first due on XX/XX/XXXX." I uploaded the requested information on XX/XX/XXXX. On XX/XX/XXXX I received a statement staying my XXXX bill (due XX/XX/XXXX) will be the total of $XXXX. There was no explanation for this increase from my original monthly payment of $XXXX. I have called twice. The first time (XX/XX/XXXX) and was told to reapply for an income based plan. I did that. On (XX/XX/XXXX) after receiving a notice for further paperwork, I called and was told because my XX/XX/XXXX paperwork was not process in 90 days I needed to reapply for income based. Therefore, because Fedloan did not process my paperwork I am now stuck with an un-affordable payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Our cc account was closed. We need to know how much interest was paid to Amex and XXXX XXXX in XX/XX/XXXX. Amex tells us we need to call XXXX and XXXX tells us we need to call Amex. We keep getting the runaround. We paid them money in XX/XX/XXXX. they should be able to tell us how much was interest and how much is principal. Please help us. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Opened a Hilton Honors Surpass Card on XX/XX/1922 '. The welcome bonus being 130000 hilton points after meeting 2k spend in 3 months time. Today, XX/XX/1922 ', I had met the threshold and had reached out to Amex support to receive it, they denied it and gave me lip service and the run around as to why I'm not entitled to their offer they provided me. They're lying and scamming.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: Full Service Mortgage Group, LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Applied for a mortgage with Full Service Mortgage Group in XXXX, TN. Everything seem to have been going great until my husband and I were asked to pay for the appraisal and notice the Lender XXXX XXXX XXXX did not note on the disclosure that the appraisal had been paid outside. The appraisal was included in the total loan cost. Also I noticed in the disclosure that we were getting charge triple in property taxes which were also included in the loan total. I feel before a disclosure is prepared you should have the correct cost of the property taxes. After noticing the discrepancies in the disclosure my husband and I spoke with the Lender and advised him we were no longer comfortable doing business with him. Since then we have received text messages, emails, and threats not only from the Lender, but also from the builder of the new construction which kept our deposit due to the termination of our agreement. There is no reason we should be harrassed by either party when dealing with predatory lending practices.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: Experian Information Solutions Inc.
State: PA
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:
Hello, On XX/XX/XXXX, I tried to call the XXXX  Credit Agency to advise of inquiries that I did not recognize. There were plenty of inquiries. I asked for them to be removed and have written letters as well. I continue to get horrible customer service and no one is willing to help me. These are negatively affecting me in the time of my need. Can some please help me remove these inquiries.

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 2020-05-16
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I filed a complaint about a month ago in regards to this matter I as well have contacted the company on numerous occasions however I havent gotten anywhere So Im filing this complaint again in hopes that This time I will get some type of resolution this complaint is in regards to money that was in my account and was fraudulently taken out of my account and I was never provided the credit back for the money that was stolen from me because they said that the claim wasnt in my favor however they still have yet to show me proof

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: EQUIFAX, 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:
The Credit Bureaus stated ( XXXX XXXX Account number:XXXX ) ( XXXX XXXX Account number:XXXX ) ( XXXX Account number XXXX ) ( XXXX  Account # XXXX ) ( XXXX XXXX XXXX Account # XXXX ), was properly investigated but how is that possible if the open date in inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal. They also violated my rights under 15. U.S.C 1681 section 604 A section : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

I Have not given these accounts written permission to furnish these accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached 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 2020-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On my transunion file there is some fraud and unauthorized activity I never authorized or signed up for. I am getting hard inquiries from XXXX XXXX on XX/XX/2019 and XX/XX/2019. Both of which I never did. 

I had spoke to XXXX XXXX back In XX/XX/2019 and they had agreed to remove all fraud and unauthorized stuff as i wanted it removed from my personal credit file as I did not do it. I had asked for proof of me authorizing it which they could not approve. 

So I am unsure why this is still on here. I would like these bogus inquiry 's off my credit report with transunion and any other credit companies as all this was not authorized by me and is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15USC 1681 Can not furnish an account with out my written instruction. I gave no instruction for these accounts to be furnished to other agencies. Futhermore, there are tons of inaccuracies in my credit reports from XXXX bureaus XXXX, XXXX and Equifax. Accounts listed as open when are closed, accounts with inaccurate account numbers as well as Dates accounts opened. Collection accounts that were deleted but reinserted without NOTICE to me ( the consumer ) XXXX  XXXX XXXX  ; acct # XXXX XXXX XXXX ; acct # XXXX XXXX  XXXX ; account # XXXX XXXX XXXX ; acct # XXXX XXXX XXXX XXXX ; acct # XXXX XXXX XXXX XXXX ; acct # XXXX XXXX  ; acct # XXXX XXXX XXXX ; acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX ; acct # XXXX XXXX XXXX ; acct # XXXX XXXX XXXX XXXX ; acct # XXXX XXXX XXXX ; acct # XXXX XXXX ; acct # XXXX XXXX ; acct # XXXX XXXX ; acct # XXXX NONE OF THESE ACCOUNTS ARE FULL ACCOUNTS, THEREBY, THESE ACCOUNTS ARE NOT LISTED AS ACCURATE AND IN COMPLIANCE with the FAIR CREDIT REPORTING ACT 15USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
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:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15USC 1681 Can not furnish an account with out my written instruction. I gave no instruction for these accounts to be furnished to other agencies. Futhermore, there are tons of inaccuracies in my credit reports from XXXX bureaus XXXX, Transunion and XXXX. Accounts listed as open when are closed, accounts with inaccurate account numbers as well as Dates accounts opened. Collection accounts that were deleted but reinserted without NOTICE to me ( the consumer ) XXXX  XXXX XXXX  ; acct # XXXX XXXX XXXX  ; acct # XXXX XXXX  XXXX ; account # XXXX XXXX XXXX ; acct # XXXX XXXX XXXX XXXX ; acct # XXXX XXXX XXXX XXXX  ; acct # XXXX XXXX  ; acct # XXXX XXXX  XXXX  ; acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX ; acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX  ; acct # XXXX XXXX  ; acct # XXXX XXXX  ; acct # XXXX XXXX ; acct # XXXX NONE OF THESE ACCOUNTS ARE FULL ACCOUNTS, THEREBY, THESE ACCOUNTS ARE NOT LISTED AS ACCURATE AND IN COMPLIANCE with the FAIR CREDIT REPORTING ACT 15USC 1681

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 2017-12-25
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This complaint is against American Express ( hereinafter AE ) regarding their repeated attempts to collect an amount that is inaccurate, and based on a breech of agreement on their part, whereby, the AE that dates back to XXXX 2014. The account agreement interest rate on the account should be 18.24 %, and is now being billed at over 29 % in violation of their own agreement. 

The account in question is being overcharged, and and shoped around to various credit reporting agencies in an effort to mar my credit and reputation, and causing me to be unable to obtain other credit. 

In addition, the AE account in question and appearing on my personal credit report as a negative item is a business account for XXXX XXXX XXXX, XXXX and should not be on my personal credit report. 

I first tried to resolve this matter with AE, and later disputed the negative item on my personal credit report with all three major credit reporting agencies, XXXX, XXXX and XXXX all to no avail, and with no response that my disputes with their perspective firms were investigated. To date, I none of the aforementioned have provided sustaining documents to validate the information all have placed on my personal account as negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XXXX XXXX XXXX My mother XXXX XXXX XXXX and Grandmother XXXX XXXX decided to invest in XXXX through a company called Coinbase. The money transfer happened on XXXX XXXX XXXX at XXXX am from a XXXX XXXX Account ending in XXXX for the purchase of XXXX XXXX XXXX XXXX XXXX. 

In XXXX of XXXX my mother XXXX XXXX XXXX passed away. I became the Estate 's Executor, trustee and personal representative. Since my Grandmother can not use a computer, she is XXXX years old, She asked me to liquidate the assets held by Coinbase. This should have been a non issue since I have the account login and passcode however Coinbase upped their security and I can not access the account.
I first emailed Coinbase support sometime in XXXX XXXX however it took so long for a response that when they did respond I could not respond back due to working 7 days a week at my employment. 

I emailed them on XXXX XXXX XXXX at XXXX XXXX and explained the issue. 

It took forever to get a response and the back and forth started and basically canned responses with no real help. I told them my intention was to liquidate the assets. We have obtained a Power of Attorney so I can represent my Grandmother in this matter and they have had those documents for over three weeks with zero response. It has gone on for so long I doubt this is actually a legitimate company. Since their support is so non supportive and their dispute resolution team has been non responsive after over coming all their objections I have no choice but to file a complaint.
I have 28 full 8.5 x 11 pages of emails printed of my communication with Coinbase. Its been now more than 7 months and still there is no resolution in sight for these assets that my grandmother would like liquidated. There should be no reason for Coinbase to deny me access to the account since we have obtained a legal power of attorney from my grandmother appointing me her representative. 

I firmly believe that it should not take 7 months to get a resolution and that this company has defrauded my Grandmother.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: MO
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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, Experian, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : EXPERIAN : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance Owed : {$75.00} XXXX XXXX  XX/XX/XXXX Experian XXXX : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXX XXXX XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Report : XXXX XXXX XXXX Balance Owed : {$0.00}

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