BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-14
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I contacted Optimum Outcomes Inc the week of XX/XX/XXXX to inquire about paying off an account from my cell. Before providing the collector with my information, I inquired about whether the account could be deleted if paid. She suggested that she would have to look at my account to determine if the original creditor allowed a deletion. Since she could not confirm to agree that it would be deleted, I did not provide her with any identifying information. I explained I was in the middle of a mortgage application process and did not want the phone call to cause them to re-age my account with the credit bureau causing negative impact to my credit score.

Through what appears to have been methods of skiptkace, she utilized my telephone number to trace my account. On XX/XX/XXXX, I received an alert from my credit monitoring servicing that the {$190.00} collection tradeline had been re-aged and dated as reported for XX/XX/XXXX. 

They updated the tradeline twice in the same day with XXXX causing negative impact to my score. 

On XX/XX/XXXX, they re-aged the tradeline for a third time, causing additional negative impact to my credit report. 

I tried to speak to supervisor several times about my account and representatives have been rude denying my request. They have hung up or disconnected the calls at my request.They are in violation of Fair Credit Reporting Act through unjustified aging of these accounts. I am afraid that someone is intentionally following through on aging all accounts. I have three separate accounts with them. The others have not yet been updated but I fear they will follow intermittently and redundantly as did the {$190.00} balance. I can pay but this needs to be deleted from my report forever due to the violation. 
Since I will be at further risk due to multiple accounts with their agency, it would only be fair to have them all deleted upon payment and immediately blocked from updates with the credit bureaus. 

I have attached the reports showing it having been re-aged and the XXXX report whereby it did not appear.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: EQUIFAX, INC.
State: IN
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:
Between XX/XX/XXXX and XX/XX/XXXX my idenity was compromised while on XXXX XXXX. For the last several months I have been working with the Federal Trade Commision, CFPB, XXXX, Equifax, and XXXX  to get the fraudulent accounts below beneath my name. The original creditors have responded that the account were fraudulent and the accounts were removed from my XXXX and XXXX report. However, as of todays date the accounts below are still reflecting on my account. The FTC has marked the Equifax uncooperative and my attorney has sent a intent to sue letter to Equifax 's legal team. I am currently undergoing economic harm and demand Equifax take he following account of my Equifax report. Equifax has been sent police report t=plus FTC report number yet as not investigated nor removed the items from my report in the past 90 days. 


Please note ... future responses will be forwarded to my attorney, the FTC 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX 5. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-28
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Sent certified letter on XX/XX/XXXX to request verification of account. Letter was received by XXXX XXXX on XX/XX/XXXX. There response was by email/online XX/XX/XXXX to ask for further detail of proof for me to verify. XXXX has not provided me the original promissory note nor signatures.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
On six different occasions, I have disputed information with EXPERIAN that is not correct. I even sent them the information from the other two reporting agencies showing them that Experian 's info is incorrect and  that I was a victim of identity theft, that I have never been late on my accounts, and that all of these reportednames they have on file ARE NOT ACCURATE!!

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 2020-11-16
Company: Conn's, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX, I went to Conns HomePlus to apply for their leasing. I was approved for the leasing but they signed me up for a credit card and I never authorized that. I called multiple times and was told theyll mail me paperwork to fill out. The lady didnt even know my address or my information so Im assuming it was just a tactic to get me off the phone. No one can help me resolve this. Ive had leasing with them before and I finished paying it off so I went for another one. I did not want a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I currently have an auto loan with XXXX XXXX. I am currently 2 months behind on my payments as I have had a change in income and have been struggling. I am no longer working and have XXXX small children, also my husband is the only one working and is a XXXX veteran. I have contacted XXXX XXXX to make payment arrangements or see if there are any other options for me at this time so that I may get back on track with my loan to avoid repo of the vehicle. They have told me there is nothing that they can do for me at this time. They can make payment arrangements but the amount is still high and I am not able to pay it. I have tried a number of times to refinance the vehicle and no one will refinance due to owing more then the vehicle is worth or because the company is XXXX XXXX that the original loan is with. I am trying to work with XXXX to avoid anything further action, but they are not willing to help me out. They told me on XX/XX/2018 that I could have gotten a 6 month modification on my loan but that would have been only if I had a deferment available on the account. I was NEVER previously told this information or I would have done this for sure. They held this option from me and now I am suffering from this. I need help and I have tried to work with XXXX XXXX and they are just not willing to work with my as a customer. I will never get a loan with them again. I live every day with the fear and anxiety, stress that my vehicle that I take my kids to doctors appt and ext will be gone when I wake up and we will have no transportation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Summary : On XX/XX/2020 I closed a joint checking account due to divorce proceedings to mitigate the possibility of charges hitting the account. On XX/XX/XXXX a charge appears on the account which was closed and the account is apparently open again. I have attempted to address this with TD Bank via secure email, and the phone numbers published on a collection letter I received XX/XX/XXXX. No response from the secure email, and phone number does not lead to anyone that I can speak with about the issue. 

Details : 1 : XX/XX/2020 Closed Account ending in # XXXX at a TD Bank location The reason for closing was to end a joint account to protect me from possible charges from my soon-to-be wife I XXXX  out the account 2 : XX/XX/2020 I was refunded an over payment of {$19.00} on the closed account. This was due to overpaying to XXXX  out the account on closing. 
3 : XX/XX/2020 the account appears open with a - {$140.00} charge on the closed account.

4 : XX/XX/2020 I send a secure email to TD as instructed through the mobile app to find out why this account is active with no response.

4 :XX/XX/2020 TD Charges me a {$15.00} maintenance fee for the closed account 5 : XX/XX/2020 I receive a collection letter from TD Bank for collecting {$140.00} I call the number provided in the letter, the individual tells me theres nothing they can do and the account appears open and there's no-one I can further speak to about this. I have no way of speaking to someone about the failure to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: Nicholas Financial Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I financed an use vehicle on XX/XX/XXXX.which turns out to be a lemon. Within the 1st week I had to return to the dealer 4 times because of engines problems. By the 3 week, I explained to the dealer that the vehicle they sold me a lemon and I wanted to return this vehicle or give me another one. The dealer informed me that they can not do trades. I continued to have issues with this car. It finally broke completely down. So I told them to come pick up this car from the mechanic shop ( 6 months later ). During this time I was still making my {$320.00} payment every month till the vehicle broke down. At this time I did speak with Nicholas Financial regarding all the mechanical issues I was having but they informed they could not reverse the loan. 

Now Nicholas Financial is reporting on my credit that I owe {$7900.00} for this lemon. I never received any type deficiency notice from them. Nicholas Financial also reporting payment history for XX/XX/XXXX and XX/XX/XXXX like i still have the vehicle, which is definitely affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: TENET HEALTHCARE CORPORATION
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:
XXXX XXXX XXXX FOR OVER A YEAR NOW HAS BEEN REPORTING ON MY CREDIT REPORT. FILED COMPLAINT IN WRITING AS WELL ONLINE AND HAS NOT RECEIVED ANY VALIDATION ON DEBT REPORTING. THIS DEBT CONTINUES TO BE REMOVED FROM XXXX/XXXX/ XXXX   THAN REPORTED AGAIN SHOWING MORE THAN ONE OF THE SAME ACCOUNT CENTRAL FINCL CONTROL HAS NOT SHOW LICENSE NUMBER NOR INFORMATION FOR COLLECTING IN MY STATE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
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:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, TransUnion, and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion only reporting me 30 days late four times. There was definitely an error on their part. I was never four times 30 days late.

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 2018-02-05
Company: CITIBANK, N.A.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As this subject was not available, this category is the closest to my situation. 

I submitted a notice on XX/XX/XXXX to Citibank regarding my questioning of the validity of a credit card account, wherein I claimed this account/contract is void ab initio until Citibank could prove its validity with a wet-ink-signed document my myself proving so. 

In this notice, I gave Citibank 20 days to respond with such proof for me to inspect proving so. It is XX/XX/XXXX, and I have yet to receive even a response, let alone the proof I'm demanding. I also stated after this 20 days has passed, and without the said proof given, if Citibank sends me any bill, account statement, or anything that is not the proof I seek, I consider this harassment and will charge a minimum of {$500.00} for every time I receive it. 

This complaint is merely to document this situation, along with a copy I will attach hereto of the actual notice I sent on the said date that I am still awaiting a reply.

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 2020-12-03
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I sent a dispute letter on XX/XX/XXXX through Certified Mail requesting a reinvestigation and the Method of Verification for a bankruptcy on my credit profile. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the letter from the US Bankruptcy Court stating they dont report to the credit bureaus. I have also attached a copy of my letter from XXXX saying my credit profile is frozen. How is the credit bureau verifying this alleged public record when the third party provider is frozen? Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). The credit bureaus has been non-compliant and didnt complete the dispute in 30 days. I further remind the credit bureaus, as in Wenger v. TransUnion  Corp., No. 95-6445 ( C.D. Cal. Nov.14, 1995 ), you may be liable for your willful non- compliance. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act, no validation in the 30 day time period, no validation with the third party provider of the data. XXXX cant verify this account and the Bankruptcy court cant verify Bankruptcies due to privacy laws. The public record is non compliant, inaccurate, and unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: TENET HEALTHCARE CORPORATION
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:
XXXX XXXX XXXX FOR OVER A YEAR NOW HAS BEEN REPORTING ON MY CREDIT REPORT. FILED COMPLAINT IN WRITING AS WELL ONLINE AND HAS NOT RECEIVED ANY VALIDATION ON DEBT REPORTING. THIS DEBT CONTINUES TO BE REMOVED FROM XXXX/XXXX/ XXXX   THAN REPORTED AGAIN SHOWING MORE THAN ONE OF THE SAME ACCOUNT XXXX XXXX XXXX   HAS NOT SHOW LICENSE NUMBER NOR INFORMATION FOR COLLECTING IN MY STATE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: GOLDMAN SACHS BANK USA
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:
On XXXX XXXX, 2019, XXXX XXXX add a hard inquiry on my credit report per XXXX  and XXXX. 
On XXXX XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX  and XXXX. 
On XXXX XXXX, 2019, GOLDMAN SACHS BANK U add a hard inquiriy on my credit report per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: JPMORGAN CHASE & CO.
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:
On XXXX XXXX, 2019, XXXX XXXX add a hard inquiry on my credit report per XXXX  and XXXX. 
On XXXX XXXX, 2019, JPMCB CARD SERVICES add a hard inquiry on my credit report per XXXX  and XXXX. 
On XXXX XXXX, 2019, XXXX XXXX XXXX  XXXX add a hard inquiriy on my credit report per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: Winklevoss Exchange LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Gemini Trust Co. has been freezing my account and other customers as well with no explanation, essentially seizing my funds. They give no explanation as to why they do this. 

The freezing never occurs when depositing fiat money into Gemini, they seem to never have a problem accepting your money. it occurs the moment you attempt to buy, transfer or sell anything after the money has been deposited into Gemini. 

You do not have an option to withdraw your currency in any capacity once they freeze your account. 

There has been no fraudulent activity nor have I done anything outside of Gemini 's term or conditions to merit this. 

I have everything documented which clearly shows they have a pattern of behavior which warrants a closer look. 

I am not accusing Gemini of being a fraudulent company but they will need to seriously address this problem which is not limited to just me but many others. 

There have very little, to no customer support. You submit a ticket via their support page and hope to get an automated message or an answer days, weeks sometimes even months from what I've seen other complaints show. 

The first time they froze my account was on XX/XX/2021 for 4 days which I have the entire paper trail for, as much as I asked for one, I was not given an explanation. XX/XX/XXXX They unfroze my account and basically said " you can use the account again ''. That was it. No apologies, nothing assuring me that this wouldn't happen again. 

It happened again today. XX/XX/2021. 

I gave them a second chance because I thought Gemini was a legitimate company. I'm not sure what to think now. I really did not want to have to take it this far but no company should have the ability to sieze your money with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: Experian Information Solutions 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:
I have ask this company to verify the information on my report by providing documents, and they refuse to send any information, but the items remain on my report, and this is causing a financial hardship in my life.

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 2018-02-05
Company: TENET HEALTHCARE CORPORATION
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:
XXXX XXXX XXXX AKA XXXX XXXX XXXX FOR A YEAR NOW HAS BEEN REPORTING DUPLICATION ON SAME ACCOUNT ON MY CREDIT REPORT. I ASKED FOR LICENSE NUMBER STATE RIGHTS FOR CLAIMING IN MY STATE. I ALSO WANTED VALIDATION OF THE DEBT REPORTING IN WRITING AS WELL ONLINE AND HAS NOT RECEIVED ANYTHING FROM COMPANY. THIS SAME DEBT CONTINUES TO BE REMOVED AND ADDED BACK OR REPORTING AGENCIES NAME CHANGE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
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:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX XXXX, and XXXX XXXX XXXX  with no successful resolution. XXXX, Equifax, and XXXX   only reporting me 30 days late twice. There was definitely an error on their part. I was never two times 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was denied a checkings account with Chase due to " not able to verify identity ''. 

I'm on XXXX XXXX so I am not allowed to go anywhere to sign up for anything. So I must be able to utilize websites, emails, faxes, or postal mail. 

How do I send in my documents to verify my identity and get an account??

Company response to consumer: Closed with explanation