BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no knowledge of this transactions in relation to fraudulent activity pertaining to my personal documents, and I'm currently in the process of completing identity thief applications through third party services to freeze and/or lock my credit to ensure no more fraudulent attempts while the anonymous suspect continues to complete credit application the caused the below listed Hard Inquiries. 
By phone line I requested a removal letter from each of these companies in which I was denied access due to me not having the address that the suspect used to attempt credit transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
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: Investigation took more than 30 days

Complaint:
I was taken advantage of, while several laws were being broken under the FCRA by your company. This has caused me financial injury for months now. I can't get a job or apartment. I also cant apply for credit, due to pandemic I am in need of funding but can't get it due to your company.

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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-09-26
Company: Ingo Money, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
XX/XX/2023 I cashed my check using Ingo mobile check cashing I wanted my card ending in XXXX to be funded after 2 hours I received a email stating that they were unable to fund that card then I linked card ending XXXX & XXXX both were unable to fund after contacting ingo again and I was informed that I could use a XXXX or XXXX I preceded to link my XXXX and called back and spoke to XXXX she said that wasn't true and it had to be a debit she also said that I could use a family members card and she would stay on the phone with me while I link it so with permission from step XXXX XXXX XXXX I linked his card ending XXXX she had me hold for a few minutes then she came back and said it worked and it will be 1 to 2 hours but it never came I called again and was informed that it could take 48 hours so I checked this morning and still nothing we call my dads bank and they said nothing was ever attempted to be deposited. I received a email stating that transaction was approved and account ending in XXXX was funded I call them to let them know that was not my account and I did not give that #

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these accounts ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I own a Coinbase account. I send my salary to my account and suddenly, coinbase restricted my account, I'm not able to withdraw my money. This was without previous notice, without infringing any law, and without a cause nore explanation. They just decided I can't take my own money out of the site as I was doing in the previous months. I tried to solve it with their help desk but it's just a robot that repeats the same useless information. The mailing options is the same, just an automatic helpless response Withholding my money in this way is not only arbitrary but illegal and completely out of character. I demand a solution to this unjustified restriction under penalty of taking legal action in this regard They are violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: ONLINE Information Services, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Back in XXXX of 2017 I was in an auto accident and went to The ER and recieved a bill for XXXX Dollars. This was paid back in XXXX, to this date Online service in XXXX says they have removed this from my reports nor has the balance showed XXXX when it has been paid. I feel this should be removed as it was not my fault and was delayed by the insurance company being paid. No one seems to help me. I have talked to several people today I have talked to a lady by the name of XXXX. She said it was paid and she sees where it has been removed but it is still on there. XXXX filed a dispute on my behalf and Online services reported that it was legit and should stay on my report. Online services XXXX XXXX XXXX XXXX NC XXXX. Telephone # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX Please delete these accounts ASAP.

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 2023-03-14
Company: T.S. Holdings
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is constantly calling me about a debt that I am not responsible for. They have the wrong lease year for my apartment. 

They also have continuously been using aggressive tactics and are unreasonable on the phone. I have stopped answering their phone calls as a result. I've tried to explain that the debt I had was paid. I filed a dispute with XXXX XXXX, but IQ Data has refused to remove the debt from collections. I filed an additional dispute which is currently in process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am trying to get a new card because I lost my American Express Blue Cash Card. However my billing address on the website is outdated and no longer valid. I couldn't change it without the CSV on the back of my card which I don't have. I can't reach American Express ' help support because their online system says I need to reach them to fix this but there is no phone number or online chat option due to a glitchy website. I essentially am denied access to my credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX 'S DEPARTMENT STORE HAS REPORTED MULTIPLE LATES ON XX/XX/XXXX AND XX/XX/XXXX. I ASKED FOR THE INACCURACIES TO BE REMOVED AND THEY HAVE NOT PROVIDED ANY PROOF OR CORRESPONDENCE. I CONTACTED THE CREDIT AGENCIES AND HAVEN'T RECEIVED A RESPONSE WITHIN 30 DAYS.

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 2018-08-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX, I contacted the collections agency to find out if I could settle on a debt. The representative told me that if I pay {$170.00} out of the {$270.00}, the debt would be considered paid in full, settled and the credit bureaus would be updated of the new status. However, after checking my credit report, I see there is still {$76.00} on the credit file at the bureaus. Apparently, the collections agency only reported that I paid {$170.00}. The agency never followed up with doing what I was told would happen and that would be to report to the credit bureaus that the debt is paid in full. Additionally, the representative at the collections agency said that the only option to pay was by giving my bank routing and account numbers and that paying with a debit card is not an option. I truly believe that this was intentional, because they knew disputing the bank, after finding out I was deceived would be hard. Whereas, if I paid by debit, this transaction would be disputable to the bank, when I found out the agency would/did not report to the bureaus that the debt is paid off. Even more, the representative told me that I would receive correspondence by mail that outlines that after paying the {$170.00} that the debt would be settled and paid off fully. However, I never received anything in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Carrington Mortgage is in violation of federal RESPA regulations. All information is being tracked for possible litigation. 

At issue is a conversation with Carrington Mortgage on XX/XX/XXXX whereby Carrington stated they had up to 30 days to process documents. This is a blatant violation of RESPA which only allows for 5 days. These documents are being submitted today if and everything is not processed within the required time frame a NOE letter will follow for litigation, fines, penalties and attorney 's fees to be paid by Carrington. Maximum fees will be collected. 
Docs included through CFPB Authorization form Carrington application for modification profit and loss statement XX/XX/XXXX tax returns hardship letter statement of information XXXX form

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: DISCOVER BANK
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello Discover, I have filed a complaint with the CFPB regarding the account Discover ( XXXX ). Discover is reporting derogatory information regarding a credit card account to ALL 3 of my credit bureaus. I mailed Discover certified letters requesting a signed contract for this account. When I did not receive a response I followed up and called Discover. Discover claims they never received my request even though the tracking number for each certified letter indicates both certified letters have been received. I have made both written & verbal request for a SIGNED CONTRACT for the credit card account. Discover refuses to send me this requested document. The only thing Discover has provided to me were outstanding monthly bills & a general Customer Agreement not specific to the credit card account they are reporting to my credit file. In fact it is the same general Customer service agreement they have listed on Discover 's website, the website also makes reference to there being a Credit Card agreement for " your accounts '', which I am assuming that there should be specific terms agreed upon for each account specifically. I spoke with a customer service agent & she stated not all accounts have signed contracts & she could not provide me with one for the reported credit card account. I asked " if there is no signed contract outlining the specific terms to either account how did a agree to something blindly? '' Of course she had no response other than there is no signed contract/ agreement documentation showing I agreed to either credit card account. I work in privacy & compliance and know the implications a company can incur for failure to adhere to privacy laws. With the rise in data breaches and identity theft providing me with billing statements & a general customer agreement are not acceptable. I demand immediate removal of this account from all 3 of my credit bureaus. I will continue to document my efforts, update the CFPB on the status of my complaint & utilize any legal rights I have. Prolonging this is only showing Discover is refusing and willfully not complying with the privacy laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
chase bank charge XXXX dollars in overdraft fees all the branches are close in my neighborhood at the beginning of XXXX  THE STATED THEY ARE WAVING ALL BANKING FEES for transfer and overdraft what is going on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-27
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have talked with XXXX XXXX  for 3 months in regards to my payment plan selection and forbraence. One XX/XX/XXXX I made a {$5.00} payment to start processing my loan repayment I was to have my forbearance until XX/XX/XXXX.Today XX/XX/XXXX I received a text saying I was delinquent.1. My payment plan has not been processed. I have not received notification of that ( XX/XX/XXXX has stated that they did not send it to my paperless inbox but via mail- I opted to the paperless inbox ). 2. My forbearance was supposed to be until XX/XX/XXXX (XX/XX/XXXX stated they dont know why the forbarence lapsed for 10 days- they claim they were they were going to correct that ) I called multiple times about the bill I received on the XXXX, but every person I spoke with said that bill was created to begin processing my payment plan request. By using deduction 1. My payment plan request was supposed to automatically put my payment in forbarence 2. The lapse in 10 days was never noted to me.3. No one can tell me what happened. I want answers and I was given none. 4. I dont want my credit impacted by their error.

I pay all of my bills on time and I trust, the American people trusted XXXX XXXX XXXX to ensure that payments and request are processed in decency and order.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please delete these accounts ASAP.

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 2023-02-23
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: Account status incorrect

Complaint:
I opened an account with XXXX XXXX  on XX/XX/XXXX. I had payments linked to an account to be automatically removed from. I did not realize the account that was linked was a savings account and could not be accessed from when trying to make payments. This resulted in over 2 months of missed payments. When I finally realized the situation I contacted them several times to pay the account off. Finally on XX/XX/XXXX I made a full payment of {$310.00} to the account from a separate account. On XX/XX/XXXX, I closed the account with XXXX XXXX. The delay in payments caused my account to fall under delinquency. I made a dispute on XX/XX/XXXX to Experian and explained the situation. The dispute was supposedly resolved XX/XX/XXXX. However, the delinquency report was still showing on my credit report. I have two other credit bureaus that I check and they have separate reports than Experian. On those accounts, it shows the delinquency was resolved and removed from the report. Experian still claims the delinquency is still applied. Ive made several emails and phone calls to Experian to fix the situation. I called three times on XX/XX/XXXX and emailed them to get an answer as to why its still reporting the delinquency. I have not received any clear answer or resolution. This has caused a delay in applying for any apartment application or car application.

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 2020-01-17
Company: Experian Information Solutions Inc.
State: SC
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 made a XXXX account today XX/XX/20 just to keep track of my credit since I am planning on refinancing my car this year but I saw that there were two collection accounts and a lot of inquiries that I never opened. I have reason to believe that these accounts/inquiries belong to my father XXXX XXXX XXXX because this happened in the past since we have the same name. I did not allow these accounts to be opened in my name and did I benefit anything from these accounts nor did I ever allow these companies to run/access my credit information. I filed a police report regarding these suspicious accounts/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 non-monetary relief