BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-11
Company: Experian Information Solutions Inc.
State: TX
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 have disputed the account listed below with all three credit reporting agencies and they said they did an investigation and verified the information first hand. This was a complete lie because all of the information is different and this may not even be my account. They are violating my rights and I am trying to prevent bringing legal actions upon them and that 's why I 'm reaching out to you. The investigation was n't done properly nor did they send me and information like an original contract that says I signed up for this account. The disputes were sent out in XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX notarized & certified and I keep getting that they are verified. I have disputed this information multiple times and sent the following email attached to the creditor.

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 2022-02-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX  XXXX. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( XXXX  XXXX XXXX  XXXX  ) is reporting on my personal credit file with Equifax, XXXX, XXXX ( Credit Reporting Agencies ). This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The CRA & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the CRA & DF have not provided me with any evidence of an open contract, signed contract or any valid proof that this was opened, authorized or created by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have disputed the account listed below with all three credit reporting agencies and they said they did an investigation and verified the information first hand. This was a complete lie because all of the information is different and this may not even be my account. They are violating my rights and I am trying to prevent bringing legal actions upon them and that 's why I 'm reaching out to you. The investigation was n't done properly nor did they send me and information like an original contract that says I signed up for this account. The disputes were sent out in XXXX, XXXX, & XXXX notarized & certified and I keep getting that they are verified. I have disputed this information multiple times and sent the following email attached to the creditor.

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 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( XXXX XXXX XXXX ) is reporting on my personal credit file with XXXX, XXXX, and TransUnion ( Credit Reporting Agencies ). This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created 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 non-monetary relief
Consumer complaint received 2017-12-29
Company: JPMORGAN CHASE & CO.
State: AZ
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:
I had a Chase credit card ( ending XXXX ) that I cancelled on XX/XX/XXXX at XXXX M.S.T. 
after contacting Chase via phone. 
I informed Chase that the card and account was cancelled and that I would NOT accept any new cards. 
They ignored it all. So, keep up my requests. I did so at least 34 times via secured Chase e-mails, multiple recorded phone calls, and 1 ( one ) letter on XX/XX/XXXX to their main office : Chase Services XXXX XXXX XXXX XXXX, DE XXXX I informed them I wanted a reply that they acknowledge the card ending XXXX and account were closed along with any bank links and that I would accept NO further cards. That, if in fact, the did not reply or issue additional cards I would contact the SEC, Federal Reserve, BBB, and State Attorney General of Arizona, and will consider possible legal action against Chase The ignored contact, letters, and calls and then issued a card ending XXXX without my permission. 

Im still receiving paperwork for this new card via the U.S.P.S. and my old ( XXXX ) account is not closed. 
It has affected my credit rating. 

Their actions are fraud! They refuse to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 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 being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I sent in a XXXX compliance letter about inaccurate information reporting on my credit report I sent letters in and never got any response

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
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:
On XX/XX/2022 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 being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My first issue was the fact that my HELOC closed on X/XX/2017. The funds of {$59000.00} began to accrue interest daily as of that date. Those funds were used to pay off my car at another bank. The funds were n't received by the other bank until about XX/XX/XXXX. I feel cheated that Chase collected daily interest on my LOC for over a week, while I was also accruing interest on my other auto loan that was supposed to be paid off. It would have been faster if they gave me access to the LOC for me to pay down the old auto loan myself, but the loan rep at Chase told me it was required for them to pay the old loan off directly. This was not made clear to me and I feel like it is a way to cheat consumers on that additional interest accrual. My second issue is the bigger issue that made me file this complaint. After the first issue even happen, I decided to pay off my Chase HELOC in full. I did in fact do so according to the " current balance '' and " principal balance '' as posted on my online account. I was limited to $ XXXX per day until the balance was paid in full. After I paid the account in full, I saw that the HELOC was still accruing daily interest. This prompted me to call Chase to see what was going on with my account. A representative told me that my principal payments were not posted to my account and were sitting in limbo, which is why interest was still accruing on the original principal balance. Well, if my principal payments were never posted to my account, then the interest was calculated incorrectly and my payoff balance was also incorrect. When I checked my HELOC online the following day, I see that my principal balance is now magically {$0.00}. I do n't see how/why everything netted to {$0.00} if interest was not calculated properly to begin with. A representative assured me that my account would be corrected and she would follow up with me directly within the next few days. My concern is n't only for myself ( which my issue looks like it will get fixed, plus I will follow up ) but what about the others with a Chase HELOC? ... or any type of Chase loan? I 'm an XXXX so I made my own amortization schedule to follow. Not a lot of people do that on their own. Chase consumers are likely paying whatever balance they show as due on their account. My trust in Chase is damaged to see that my issue was only corrected because I called about it. What about the other consumers?? Is Chase making money off of incorrect amortization schedules???

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: Experian Information Solutions 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:
I submitted a dispute with Experian because all attempts failed with XXXX XXXX XXXX to provide validation of the account. XXXX XXXX XXXX sent a letter saying that they will not validate the account. I forwarded the letter to Experian and they still refuse to remove the item from my Credit report. this is in clear violation of the FCRA since XXXX XXXX XXXX to this data has not validated the debt.

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 2021-09-21
Company: EQUIFAX, INC.
State: IL
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 XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Received unsolicited financial product or insurance offers after opting out

Complaint:
I paid the balance in full and the company is reporting it late and over the credit limit and yet the account is CLOSED. This is a violation of my rights to privacy and fair reporting of correct information. My limit is XXXX and I paid that amount and yet the reporting reflects 1, late and 2 over the limit

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 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX DEPTEDXXXX XXXX US DEPT ED XXXX DEPTEDXXXX XXXX US DEPT ED XXXX DEPTEDXXXX 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 2019-10-09
Company: Experian Information Solutions Inc.
State: PA
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:
Fraudulent account identity theft XXXX co drs Open XX/XX/18 Amount 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 2022-02-16
Company: Experian Information Solutions Inc.
State: FL
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:
I, consumer, am a natural person who regularly extends, renews, or continues credit and who regularly arranges for the extension, renewal, or continuation of credit, otherwise original creditor. See Equal Credit Opportunity Act ( ECOA ).

I have a secured right to privacy and confidentiality that was breached by the furnisher without consumer consent in violation of Florida Statute 540.08.

No person shall publish, print, display or otherwise publicly use for purposes of trade or for any commercial or advertising purpose the name, portrait, photograph, or other likeness of any natural person without the express written or oral consent to such use given by : ( a ) Such person; or ( b ) Any other person, firm or corporation authorized in writing by such person to license the commercial use of her or his name or likeness. 

Identity theft means a fraud committed using the identifying information of another person without authority. See 12 CFR 1022.3 ( h ).

Furnisher has conspired with third parties companies d/b/a consumer reporting agencies disclosing personal information without consent in breach of trust despite FDCPA cease communication notice. XXXX XXXX continues to furnish deceptive reports without consumer consent to third parties and fails to remedy violation. After several calls to cease reporting, Customers bank filed a cease and desist notice against consumer alleging harrassment for exercising consumer right of privacy as trespass by 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 2021-10-12
Company: IOWA BANKERS MORTGAGE CORPORATION
State: IA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been struggling to work with Iowa Bankers since my first delinquent date of XX/XX/XXXX. I had expressed my financial hardship that caused me to fall behind. I was self employed in the past and my business went under causing me to fall behind. I immediately contacted Iowa Bank for assistance but got nowhere fast. I then landed another job paying a lot more. I was hired on with this new company on XX/XX/XXXX. I recently submitted to Iowa Bank for XXXX  XXXX  flex modification and was quickly denied for help. The mortgage servicer stated the reason for denial was my payment was to increase because of my new income. Yes, my income is 3 times greater than what I was making before which was what caused me to get behind. Based off my income I do have over {$900.00} of disposal income available to afford a higher payment if needed, I am not asking for a hand out I just need help with my mortgage getting current. I don't have the {$16000.00} needed in back payment but if they can place it to the end of the loan I will be more than happy to repay it. The lender has not offered me any assistance or repayment plans the only thing they have offered is short sale or foreclosure. Also what is very concerning while under review since XX/XX/XXXX Iowa Bank has had a foreclosure sale date on my home of XX/XX/XXXX which I advised them many times this is dual tracking of foreclosure the denial letter they sent me is dated for XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
My complaint is against Coinbase. 
I made a Bitcoin purchase on XX/XX/ XXXX reference code XXXX for {$1400.00} USD @ {$11000.00} per Bitcoin. The transaction has NOT been added to my BTC account on Coinbase. The {$1400.00} has been taken out of my bank account at XXXX XXXX XXXX XXXX on XX/XX/. My first attempt with the Coinbase help center was sent on XX/XX/ with no response Case # XXXX. I have since called 3 times, mailed letters, the only response I have received is that my case has been elevated to " urgent ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: National Credit Systems,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:
This has been on my credit for 5 years and to no avail I can not get a copy of my signed lease. I do not owe this money. I did live there but they can not provide me with a signature or any lease to validate if it is mine and the amount is correct. This collection is from XXXX 2012 to present for the amount of XXXX. I do not have an account number. They keep saying I owe this amount which is not correct. I need verification that this is indeed the right amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: Avant Credit Corporation
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I called and spoke with an agent to revoke my ACH authorization and turn off the auto payment function of my account. I had submitted a power of attorney to Avant indicating that I would now be making payments through a debt management program supervised by XXXX XXXX XXXX XXXX ( XXXX ) This was on or around XX/XX/XXXX. On XX/XX/XXXX, Avant pulled XXXX dollars out of my bank account in the form of an electronic draft, despite the fact that I had specifically revoked all authorizations. They knew that would receive payment through the DMP, but they went ahead and double charged me!!! I called to get the payment reversed but the next agent said thet the previous agent should have transferred me to a different department to get the ACH revoked so despite the error on their part they refused to refund the XXXX and said I could file a complaint with my bank. <P/>Then, on XX/XX/XXXX, the payment through my Debt management plan was made and posted to my account, thus proving that they had accepted and agreed to the DMP and yet still chose to sneak in another charge that was clearly unauthorized. <P/>Avant 's actions have lead to my bank account suffering a XXXX overdraft fee and a XXXX extended over draft fee. My bank, XXXX, closed my fraud claim and said that since I had a previous relationship with Avant that the action of removing the XXXX, while acknowledged as unauthorized, was not the banks problem and that I would have to either take it to court or convince Avant to give me a refund. <P/>In essence, Avant took XXXX out of my bank account without my permission, despite having agreed to a Debt Managment Plan with XXXX and accepting payment through the third party. This caused me to suffer XXXX dollars in over draft fees from XXXX. And XXXX refused to deal with the matter. My account still has a negative balance because of this.

Company response to consumer: Closed with explanation