BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-22
Company: EOS Holdings, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon reviewing my credit report on XXXX  's website I notice that there was a charge of XXXX posted by EOS CCA collection referencing XXXX internet company - XXXX, az XXXX. I called XXXX and talked to several representatives concerning this charge and each time they stated that not only do they not have a record of this charge but they also have no record of me anywhere in their databases. I open up several disputes with XXXX stating that this entry is not correct and needs to be removed immediately. Each time XXXX responded with entry being valid and nothing else. The last disputed response from XXXX was the following : EOS CCA Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 
Reinvestigation Information 1. there is no details, no explanation.

2. No entry as to how the entry was certified.

3. The account and the account number mention on this account is not recognized by XXXX. 
4. XXXX stated that if I had any type of account/business with them from the past then I would be found somewhere in their database - Nothing was found.

5. XXXX  only allows one dispute entry.

This is a false entry on my credit report that needs to be remove immediately and yet, XXXX refuses to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 a reponse to the letter that was written to me... 

So you guys listen to the phone call and didn't hear of any wrong doing or treating me with my credit report? 

So are your reporting accurate now? 

How many refi have I had with you? 

How many account have I had opened up with XXXX? 

It's way to late to start hiding the hand after you threw the rock... 

Well I want all question answered. And im gon na help you with the phone call... Maybe you missed it... I have it for you ... enclosed is a transcripted of phone call.

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 2018-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditors Name : XXXX XXXX XXXX XXXX Account # XXXX Account Type REVOLVING Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$1300.00} Balance Updated XX/XX/XXXX Credit Limit {$1000.00} Past Due Amount {$1300.00} Terms Revolving Responsibility Individual Contact Information XXXX XXXX XXXX XXXX, DE 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 2021-07-18
Company: PENTAGON FEDERAL CREDIT UNION
State: LA
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:
Pentagon FCU XXXX has an unauthorized inquiry on my credit report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: Account Recovery Specialists, 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:
I have disputed and paid for all 3 credit bureaus to remove the inaccurate information reporting from Account Recovery Specialist

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: AES/PHEAA
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: Old information reappears or never goes away

Complaint:
XXXX keeps adding and subtracting balances from my accounts. This is adversely affecting my credit score. I am in the middle of financing and their frequent updates are detrimental to this process. With them not having my corrrct info I wasnt able to be notified that I was out of forbearance. I respectively ask that the lates be removed and set to current. As soon as I contacted XXXX my loans were put back in forbearance. Also I want all loans older than 7 years to be removed from my credit report, as that is more than the COLfor my state. I need this done ASAP as XXXX is doing illegal collecting and reporting practices.If not removed I will be filing with FTC as well as State Attorney Office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-22
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 status incorrect

Complaint:
XXXX XXXX XXXX ( XXXX  ) reported wrong information on my credit report stating I had a late payment for 30 days. I have never got any letter, call or communication from them stating I am behind in payments. I always made my payments on time and was really surprised or stressed seeing this wrongful information in my credit reports. I contacted XXXX XXXX  telling them to check their information and delete this wrong report but they stated they are unable to do anything about it. I am a responsible U.S. resident who works and pays his bills and taxes on time. This fact made me stressed and I want the Government Agencies to help me to overcome this hard situation and clean my report from these mistakes and make my life better. Thank you for your support and understanding.

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 2020-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I believe that I am a victim of identity theft and filed a dispute with the credit reporting agencies in regards to it, per section 605B of the Fair Credit Reporting Act. I never received any notifications in regards to the results of the alleged items. It has now been over the allotted time period for when the bureaus are legally obligated to respond to my request. The initial letter was sent certified mail on XX/XX/2020 and was received by the credit bureaus on XX/XX/2020 & XX/XX/2020. I have yet to receive any responses and it has been well over the designated legal time period.

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 2019-09-22
Company: EQUIFAX, 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 status incorrect

Complaint:
XXXX XXXX XXXX ( XXXX ) reported wrong information on my credit report stating I had a late payment for 30 days. I have never got any letter, call or communication from them stating I am behind in payments. I always made my payments on time and was really surprised or stressed seeing this wrongful information in my credit reports. I contacted XXXX XXXX telling them to check their information and delete this wrong report but they stated they are unable to do anything about it. I am a responsible U.S. resident who works and pays his bills and taxes on time. This fact made me stressed and I want the Government Agencies to help me to overcome this hard situation and clean my report from these mistakes and make my life better. Thank you for your support and understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: Experian Information Solutions Inc.
State: AZ
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:
Went I got the car I didnt want anything on my credit report the rep said all the do is pull the report I asked would it go on my report he said no. So why is it there? I understand if that not the case but its not right and I will be going to the XXXX  if not removed

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 2021-03-09
Company: Santander Consumer USA Holdings Inc.
State: LA
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:
My vehicle was stolen and after the investigation my insurance company along with gap coverage were to pay the vehicle off. Santander reached out to me letting me know that I had nothing to worry about while everything was in litigation. Santander also told me that no more payments were needed to be made on my part. Now, on my credit report Santander has reported 2 missed payments and kept accruing a daily interest into the car loan. This is hindering the loan from being paid off as well as affecting me from being approved for a mortgage loan. I have reached out to Santander to correct this problem and they refuse to fix their era.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I do not recognize this inquirieXXXX XXXX XXXX XXXX. I did not authorized this inquiry.

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 2018-01-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
I was made aware that there was an XXXX XXXX XXXX placed by USAA. I started the process on XXXX XXXX by contacting them to begin disputing this alert and the reason for it 's existence. 
I finally spoke to a supervisor XXXX XXXX XXXX on XXXX XXXX XXXX explained the problem and requested my need for help and the information to resolve this matter. 
On XXXX XXXX XXXX, I received a call from a young man named XXXX. He explained that there were accounts opened and fraud was perpetuated with a checking and saving opened with my identity. The amount was approximately {$5100.00}. We had a very in depth conversation regarding the matter. I told him it was not me. They may have felt by their guidelines that secure procedures were followed. I told him that true due diligence on their half to protect their interests and mine were not sufficiently followed. This requiring a direct phone of verification that I was the actual applicant involving these high risk amounts for an online process. 
He agreed with my adamant position on the matter and went so far as to admit that I was not the perpetrator of the fraud. He repeatedly apologized and offered no final resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: CORELOGIC INC
State: MI
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:
XXXX XXXX XXXXXXXX ran my credit without my permission back on XX/XX/XXXX, and they used Corelogic Credco to do it. I reported XXXX XXXXXXXX XXXX to the CFPB on multiple occasions in XX/XX/XXXX/XX/XX/XXXX, and  they said they would have Corelogic Credco remove the hard inquiries. Corelogic Credco was supposed to have the hard inquiries removed from my report all the way back in XX/XX/XXXXof this year, but they haven't. XXXX still has the hard inquiry from them. I contacted Corelogic Credco on XX/XX/XXXX, and they said I needed to submit a written request to them to give to XXXX  to remove the hard inquiry. I sent it via email ( Corelogic Credco said it was acceptable ), but over a month later, the hard inquiry from XXXX  is still on my report, and I've been dealing with the whole situation for over half a year. Attached is the email I sent in 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 2018-01-06
Company: Paypal Holdings, Inc
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection bill via a collection agency called XXXX XXXX , XXXX . They claim I owe {$250.00} to Paypal as of XX/XX/2018. However, I do not have a Paypal account. The bill itself looks sketchy. 

The bill says to send payments to this address : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, WA. XXXX The return address on the envelope is different. it is : XXXX XXXX XXXX XXXX XXXX, PA. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-30
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: Credit inquiries on your report that you don't recognize

Complaint:
NOT AUTHORIZE INQUIRY EQUIFAX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX, IL XXXX XXXX FCU XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX / XXXX XX/XX/XXXX, XX/XX/XXXX Creditor Contact Information XXXX / XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Hi, We booked round-way flight tickets for our family of XXXX through Chase Travel with Chase Reward points, and the remaining balance using our credit cart on XX/XX/2021. The total amount of the tickets was {$1400.00} ( paid by {$320.00} and XXXX points ). The flights were with XXXX XXXX ( XXXX ), and the departure date was Fri, XX/XX/2021, from XXXX to XXXX, and the return flight was on Fri, XX/XX/2021, from XXXX  to XXXX. 
On XX/XX/2021, the day before our departure, XXXX notified us that our departure flight was canceled. We contacted Chase Travel immediately and was told that XXXX ) they didn't receive any notification on their end that the flight was canceled so they wouldn't do anything for us XXXX ) they asked us to contact XXXX directly for information XXXX ) they couldn't guarantee the refund on the flight canceled by XXXX because they didn't get the information. Therefore, we contacted XXXX directly, and UA said they would process our refund due to the flight was canceled by the airline. On XXXX of XX/XX/XXXX, about XXXX hours after our flight was canceled, we received an email from Chase Travel saying the flight was canceled, but didn't mention anything about the refund. 
XXXX processed our refund for the departure flight on XX/XX/XXXX, and the refund was completed on XX/XX/2021, and the total amount was {$740.00} ( $ XXXX for each ticket ), and the refund amount was returned to our original payment method. 
In the whole process, since our flight was canceled, till today, we have been calling Chase Travel for many times, and each time the customer agent told us different things, some said XXXX took control of our flights, some said they were not sure about the refund, some told us to contact XXXX etc. We needed to wait hours for one call but couldn't get anything solved afterwards and we were very frustrated. We have confirmed from XXXX that they have issued the refund oveXXXX XXXX  weeks ago but Chase Travel refused to verify that they received it ( the customer service agent said they had no access to that ), and they declined to take the proof of XXXX refund. The last time they told me is, it will take up to 2 billing cycles, but they don't know when is the last day of the future 2 billing cycles and all we can do is to WAIT WAIT and WAIT! This is completely a FRAUD and WORST CUSTOMER EXPERIENCE EVER!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22
Company: EQUIFAX, 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:
First and foremost I do not want a fraud alert on my credit, it hurts the consumer and obviously doesn't protect the consumer. The attached table represents someone with a mid eastern voice calling several and multiple dealerships within XXXX, SC and throughout, submitting an over the phone application in my name, and the dealership or entity didn't verify the person on the other end of the phone was indeed the consumer that this information belonged to, and submitted it for credit approval at multiple places for some stated vehicles. This verification was done by calling the selected and reported businesses, and having been informed that the person wasn't me, based upon accent. The attached information, and table represent that these inquiries weren't performed with permission or authorization by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-22
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: ID
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:
I settled a debt with Nissan Motor Acceptance. The settlement was handled and process through a 3rd party, XXXX Solutions. The account originally charged off in XX/XX/XXXX. After receiving the XXXX settlement Nissan updated my credit report reflecting a missed payment for XX/XX/XXXX that is incorrect. My final payment was set up for XX/XX/XXXX and was drafted from my account on the XXXXThis FP ( failure to  pay ) or CO ( charge off ), depending on what bureau is reviewed needs to be removed. It reflects a recent delinquency which is false and negatively impacting my credit further. My final payment was due in XXXX on the scheduled date and successfully processed. I want all my bureaus updated correctly and not to include false information. Nissan assured me that there would be no new negative activity, but only an update that account was settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22
Company: Winklevoss Exchange LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I held Bitcoin at Gemini. Gemini credited me with the Bitcoin ABC from the fork, but never credited me with the Bitcoin SV. The founders feel that Bitcoin SV is not a very good coin, therefore I should not be able to redeem my {$400.00} in Bitcoin SV. I do not think their ideology matters - if a stock splits into two different companies and my broker doesn't like one of them, what right do they to decide that I only get one of the stocks? Gemini 's actions are clearly fraudulent and unless they are willing to credit me with my money the only reasonable result is a class action lawsuit for all of the users that have lost money because of the founders ' ideologies. 

I previously complained to the company and regulators. As a result, on XX/XX/2019 I received an email notifying me that they were closing my account. 

Gemini stole from me and many of their users. I spoke up and they banned me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have been wanting to pay off on my private loan but they want me to pay XXXX a month which is too expensive. They will not work with me on lowering my payment. My co-signer and I are divorced and he does not work enough to contribute to the payment. I am simply seeking a lower month ly payment. 

I have also applied for some forebearances that I am told I am eligible for then I am denied. Inconsistent information and advice gets frustrating especially when I am doing what to can to pay my loan off.

Company response to consumer: Closed with non-monetary relief