BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
TransUnion had a computer glitch which caused inquiries to be deleted from my credit report and then later added back to my credit report without giving me the legally required notice 5 days prior to re-adding them. I contacted TransUnion in good-faith on XX/XX/XXXX and asked that they remove these inquiries. They did not remove them. These inquiries are a hardship and were illegally added again. My rights have been violated and I am being victimized by TransUnion. I am asking that you help me resolve this matter by requiring Transunion to remove all hard inquiries on my credit report from XXXX and 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 2021-09-17
Company: Coinbase, Inc.
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have tried multiple times to contact Coinbase to get information from them. On XX/XX/2021 they removed XXXX $ from my bank account and the only resolution I was able to get was by speaking with my bank and getting this reversed. Then I made a mistake on XX/XX/XXXX and sent XXXX from my Coinbase XXXX to my Coinbase XXXX account and the funds are not showing in my account. Coinbase refuses to answer my emails since XX/XX/XXXX and I am hoping you can email them and scare them into complying and helping me finally. I have exhausted all other channels. 

Case # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
ON XX/XX/XXXX I sent a depute to Trans Union regarding incorrect information on my credit report. I was never sent any information regarding the depute in writing as I ask. I ask that whatever the outcome I will be sent that information in writing with 30 days from theXX/XX/XXXX I never received such information. being that I never heard from them within that 30 days the information in depute should be removed from my credit report. 

The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
By

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 2021-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After reviewing my credit report from, I have noticed that the report show fraudulent credit inquiries that I did not authorize. XXXX CARD SERVICES Inquiry : XXXX XXXX, XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, and XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Please investigate and remove these fraudulent inquiries as quickly as possible. If you come across any evidence that counters my claim, please send me a copy. 

Thank you for your diligence in looking into this issue.

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 2022-02-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have an FTC report and police report. XXXX XXXX has refused to remove this fraudulent account from my consumer report. I sent XXXX XXXX ( XXXX XXXX corporate ) a notarized affidavit of Truth. She is refusing to remove it. XXXX XXXX broke the law. The dealership forged my signature. The NY attorney general sued them for restitution in the amount of {$300000.00}. The federal laws that were broken are : 15 USC 1 which states EVERY CONTRACT IS ILLEGAL. 15 USC 1605 TRUTH IN LENDING ACT. 15 USC ( b ) ( a ) ( 2 ) ) : A consumer reporting agency can not put anything on my consumer report without written instructions from the consumer to whom it relates. WITHOUT MY CONSENT IS IDENITY THEFT. FORGING SOMEONES SIGNATURE IS A CRIME. I HAVE ASKED XXXX XXXX TO PRODUCE THE WET INK CONTRACT SEVERAL TIMES AND TO NO AVAIL IT DOESN'T EXIST. THEY HAVE ONLY PRODUCED A COPY WHICH IS NOT MY SIGNATURE. THE DEALERSHIP IS NO LONGER IN BUSINESS.

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 2017-07-14
Company: Executive Financial Consultants, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have recently sent letters to dispute medical collections on my account to the Collection Agency, I was requesting verification that this was in fact my account, I did not receive verification, however I did receive copies of the procedures that were completed.. this is a HIPPA violation. I have requested that these files be removed from my XXXX CB, I received response from XXXX that this account was verified as accurate and updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a XXXX XXXX credit card. 
They had the wrong address for me and so I was not receiving my bills for a few months.My unit is XXXX and all my XXXX XXXX mail was sent to unit XXXX and I was not getting any of it. Although I tried a few times to get it corrected it took a really long time. In addition I did not have online access since I did n't have my card because it was mailed to the wrong address they had and I needed the card to set up online access. So I was sending payments from my personal bank online bill pay and it took a long time for it to get processed since my bank needed to snail mail the payments out. During this time I had 2 late payments over 30 days less than 60. 
These are the only late payments on my credit report. 
I called XXXX XXXX and they said I should file a dispute with Transunion and get back to them. I did. under file number XXXX. I stated my reason that the address was wrong and so I was not getting my bills. The investigation came back with no changes. 
So I called XXXX XXXX and spoke to XXXX who says her ID is XXXX. And she spoke to her manager. She told me because it was n't a 'bank error ' they could do nothing about it. 
She suggested I file another dispute. She said there was no other department to talk to. 
I pointed out it would be silly to do the very same thing I did and expect different results. 'But nothing Right now I just want to talk to someone who can clearly explain the matter and work with me beyond just telling me to do what I already did. Thank you

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 2022-10-04
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: Capital Accounts, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This complaint is in reference to a XXXX XXXX procedure, first visit XX/XX/XXXX and was not completed properly by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, FL XXXX After several attempts to resolve the problem with XXXX XXXX XXXX, he notified me on XX/XX/XXXX that the dental office would not let him go back inside the office. 

I notified my insurance company, XXXX XXXX who gave me permission to another dentist to solve the problem. On XX/XX/XXXX I saw XXXX  XXXX XXXX who sent a letter to XXXX stating the XXXX   needed to be redone and both XXXX and XXXX  XXXX were clearly visible. I filed a grievance with XXXX 's Grievances and appeals Board, which was received on XX/XX/XXXX. XXXX XXXX XXXX XXXX did not respond to the grievance and I was recently informed by XXXX that if they do not get a response in 6 months XXXX does not pursue the grievance. I thought the grievance was settled because as XX/XX/XXXX XXXX does not send out explanation of benefits if the patient has a XXXX   balance. I thought the dental office accepted the amount of money XXXX paid, which was {$360.00}. {$430.00} was the amount I was to pay. 

I found this information out when I applied for a credit card in my name from XXXX on XX/XX/XXXX, which was denied. 

I have reported this to the State of FL Department of Insurances, XXXX XXXX XXXX file # XXXX, to the Department of Agriculture, XXXX XXXX case # XXXX and the Office of Financial Regulation, XXXX complaint # XXXX who recommended I contact your office for additional help. I have also sent letters, Certified/Return Receipt on XX/XX/XXXX to XXXX XXXX XXXX XXXX and Capital Accounts LLC indicating I do not owe the {$430.00} because the dental work was never completed properly. 

Thanking you in advance and looking forward to hearing from you. 

Attachments : Dental Time Line, Letter from XXXX  XXXX, XXXX 's Explanation of Benefits, Lletters from XXXX 's Grievances and appeals Department, XXXX Report and letter I sent to XXXX XXXX XXXX XXXX  and letter cc to Capital Accounts LLC I unable to send the supporting documents because it it more the 10 MB. Please let me know if I can send them to an email address or mail. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Experian removed my XXXX XXXX XXXX XXXX account from my Experian Credit Profile for no reason. This account belongs to me and is open, active, an in good standing.

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 2018-01-02
Company: United Compliance Services, LLC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Calling me daily as well as my family members, who live in XXXX  and XXXX, they are even calling persons unrelated to me who are affiliates of my family. 
Started XX/XX/2017 Daily my parents, my sisters in XXXX, my brother, my sister in law and mutual friends in common as a family. 

My SSN was compromised in the XXXX Breech. So I trust no one on anything right now. The calls are automated and state a case number XXXX and that legal matters related to my SSN need to be addressed or further legal action will be taken. 

I've tried to research the number and I see some where it's fraud others where it's not. I do not appreciate my elderly parents and siblings being brought into what ever this maybe.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-02
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:
I have written to XXXX, XXXX and Equifax regarding an account they have published on my credit report from XXXX XXXX XXXX. I have gone through the proper channels of disputing this account and have only received a " account verified '' response from them. I DO NOT NOR HAVE I EVER had an ACCOUNT or CONTRACT or anything of the sort with XXXX XXXX XXXX and therefore DO NOT OWE this company ANY debts. XXXX, XXXX and Equifax have FAILED to properly investigate the validity of this claimed debt that is damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: AES/PHEAA
State: WA
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:
In XX/XX/XXXX, I paid off the full principal on my AES loan as it appeared in the online portal : Payment Amount : {$5000.00} Payment Date : XX/XX/XXXX Since this time, I have continued to receive email bills from AES for {$0.00} each month. When I searched the AES website for why this was happening, there was no option to payoff or finish the loan. The loan did not show a balance in the online portal. In XXXX of XXXX, five years later, AES charged me {$95.00}. I would NOT have left the loan with a {$95.00} balance if I knew that amount was still owed. I did not receive any mail notices for the bill. I received an email but it looked the same as all of the {$0.00} bills I've received for 5 years, which my email account filed to spam. I didnt know about this bill until I checked my credit score for a loan application on XX/XX/XXXX, six months later. When I logged into the AES portal, the payment history confirmed what I remembered : that I paid the full principal as it appeared in the portal. Unfortunately I do not have screenshots of this because AES has since removed my payment history from the online portal ( because I closed the loan ). 

On XX/XX/XXXX I paid this bill in order to stop the bill from damaging my credit more than it already has, even though I'm still unclear as to why this remaining balance wasn't visible in the online portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am being harassed by getting repeated calls everyday. 
They are also calling me from an anonymous number repeatedly. 
I am even receiving phone calls from them at XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-17
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was approved for loan forgiveness as I work in a public school. Fedloan approved this and placed me in a payment plan. I have been making payments since XXXX. I come to find out, that they put me in a plan that is not approved for forgiveness. I had no idea about this because since they approved my application and placed me in a payment plan, I would not ever think to question it. This is absolutely unacceptable as they mislead me the entire time. I have been working in the same school district since XXXX! I want all of the " in the wrong plan '' payments to be adjusted and put toward my loan forgiveness. I planned on retiring soon and do not have another 10 years to make this work. I have written them letters and made phone calls, but fail to get a response. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have a private student loan serviced through Navient, originally with XXXX XXXX. I have been making regular payments and have sent the company instructions on at least 2 occasions ( XXXX and XXXX of 2017 ) detailing how I want overpayments dealt with : specifically that they should be used to pay down principal. Each time receive a response telling me something slightly different on how to get my instructions applied. First I was told, in XXXX to sign up for auto payment ( which I could not do on the website ) or to submit monthly payments by check with instructions each time I make an over payment.
<P/>
In XXXX there was no mention of the auto payment option and I was again told to send payments by check with instructions every time I make an over payment.
<P/>
I have provided a clear instruction to them about what they should do with all overpayments and they refuse to honor that instruction unless I submit it by mail every single month. That is absurd.
<P/>
Navient is systematically obstructing efforts to pay down the loan even slightly ahead of schedule while I am trying to do just that by overpaying by a few dollars a month

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2021-09-17
Company: MRS BPO, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received in the mail a is for a collection letter from MRSBPO LLC is the LLC out of XXXX XXXX XXXX XXXX XXXX New Jersey XXXX. This was an attempt to collect a debt is a debt and the creditor is XXXX incorporated. That gave me an official looking letter and they are trying to collect a balance of {$150.00}. I called both numbers and could not get a person to talk to and they actually hung up on me and I left a message on the Colorado line and nothing happened. I feel this is a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief