BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-08
Company: Student Loan Finance Corporation
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Where do I begin with my complaint? I started attending XXXX XXXX XXXX in XXXX XXXX, I began attending the school when I was XXXX XXXX XXXX. I was able to do this prior to turning XXXX XXXX XXXX per the advice of XXXX XXXX who was helping me with the loan process on XXXX/XXXX/XXXX. I planned to return to complete loan documents after my birthday but the finance rep XXXX insisted I complete the loan process that day. I was advised that I could change my date of birth to XXXX to make myself older and apply for the loans on my own since my parents were unwilling to assume a loan under their names/credit. I was under the age of XXXX when I signed for all school documents. I was taken advantage of and manipulated. I have been dealing with these insurmountable loans since then. I did not find work in the field I attended school for ; due to the fact that I could not survive and pay these loans back with the minimum wage jobs available to me in the culinary field. I recently went to the school to pick up loan document ( I had to hurry because the campus is now closed ) copies but was only provided with enrollment paperwork ( which does n't include loan application details ). I have tried to take responsibility for this debt but have come to the conclusion that I need to speak out. I have given this information to different reps which answer phones at the loan companies. I have contacted lawyers but could not afford to hire onXXXX. I know the school has been sued in the past for their shady business practices. They have lost lawsuits paid out thousands upon thousands in damages to the victims. I am unfortunately one of the ones that is still suffering with the burden of debt. The answers I have received from account reps are well you lied so too bad you still owe this money. I was not of age of consent and was taken advantage of by people that were desperate to sell a loan. The amount of stress and worry which has effected not only my credit but life ; I do not wish on anyone. It is so unfair and wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Terrill Outsourcing Group
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Claiming I had a debt and to contact a know scam debt collection scheme

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: Resurgent Capital Services L.P.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been contacting XXXX XXXX for over a year to be ignored.They are reporting a fraudulent account opened on or around XX/XX/2016. I have been XXXX  in the XXXX Department of Corrections for the past 10 years and have never lived in XXXX, XXXX. I simply asked for an investigation as described in the United States Code Service Title 15, The Federal Fair Credit Reporting Act section 623 ( a ) ( E ) and all sections that the company have failed to provide and I indeed demand this fraud be removed out of my name NOW!!!! I recently have been released and will provide proof that I was indeed incarcerated. The documents will provide my entry date and release dates and I ask that this office make them verify the information I have provided and remove this fraud out my name. I dont have time to be ignored as my previous experiences! I dont have time for them to put me off because it isnt them, keep up office mess first, or just simply not caring any longer because I have had it with them ignoring me. I HAVE NOT AUTHORIZED ANY PERSON TO USE MY INFORMATION NOR DO I KNOW OF ANY PERSON WHO OBTAINED MY INFORMATION. IT WASNT ME AND I WANT IT OUT MY NAME NOW!!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), TransUnion required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain  credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2021-08-20
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/21 I sent a letter to caine and WEINER to verify this debt. The letter was received on XXXX it was sent by certified mail receipt # XXXX. I never received a response or follow up on my letter ... let me say that again I never received a response from this company. This company would love to lie and say they sent me a letter regarding this account ( I would love to see that proof ). As you can see were almost in the month of XXXX. Its been pass 30 days this is a violation Im requesting removal of this account. Not a XXXX dollars but for you guys to honor my rights as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: ALLIANT CREDIT UNION
State: NC
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:
On XX/XX/XXXX, The credit card company closed my credit card, due to a returned check on my checking account in XX/XX/XXXX. I've never made a late payment to my credit card, even after they closed it. Due to the negative balance on my checking account, they reported my credit card to the credit bureau as being charged off for failure to pay and they did not report my credit card payment. My credit card payment was due on XX/XX/XXXX, and I made more than the minimum payment due. I called the company to correct the issue, and they told me they reported it that way since my checking account is charged off. I told them that my checking account and credit card are two separate things and they are reporting incorrect credit card information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-30
Company: National Credit Services, Inc.
State: CA
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 contacted National credit services and made arrangements in XX/XX/XXXX. In XX/XX/XXXX I faxed XXXX my paperwork and emailed them the paperwork to XXXX Then I heard nothing from the company. Now the company NCS states that a payment from my account at XXXX XXXX was declined and that they emailed me and sent me letters and called me 23 times, however I have no emails, no letters from the NCS and no missed calls or at least one voicemail from this company. I contacted them and in XX/XX/XXXX and it took 2 tries to upload the documents on their website, 2 emails to the docs email address and 2 times that I faxed them and they finally got my paperwork. They are currently garnishing my pay, and they record every call and in those recorded calls they have admitted to my horror that they are not equipped to receive the avalanche of paperwork. Please investigate National Credit services XXXX XXXX XXXX XXXX, WA XXXX Physical Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX Office Hours : Monday-Friday, XXXX PST Department of Education : XXXX XXXX ( XXXX ) XXXX I am sure I am not the only one they have done this too thank you for your time

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: M&T BANK CORPORATION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
After closing on XX/XX/2020 mortgage was recently transferred from XXXX XXXX XXXX XXXX ( Loan Number XXXX ) to M & T Bank ( Loan Number XXXX ). M & T Bank is claiming they did not receive insurance information from XXXX XXXX XXXX  XXXX and has placed my mortgage in an over priced ( lender placed insurance ). I have insurance and I have provided this information to M & T Bank. M & T Bank is claiming that they will update the insurance in 90 days and not right away. M & T Bank are XXXX scumbags ...

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 monetary relief
Consumer complaint received 2021-08-20
Company: EQUIFAX, 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:
THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
The company I am complaining about is Binance.us. I have been using their services for about a year. I have never before had an issue with them regarding buying and selling crypto until recently. I have kept money this exchange the entire time I've had an account with them. I have not deposited/withdrawn excessive amounts of money and only have about {$6600.00} dollars in my account. Last night, when the market was extremely volatile, I sold off my position with the intention of buying lower. But when I tried to buy back in Binance.us told me that I have to verify my identity. So I went through the process. I gave them pictures of my license front and back, and took a selfie for them. But when I tried to buy back in after verifying, my account was frozen due to pending verification. 
I understand the importance of KYC but I have been completely transparent with them this whole time. My problem is that customer support is completely non existent. Last time I put in a support ticket it took 2 months to get a response. So basically, my money is stuck in limbo, I lost my position and have currently already lost over {$1000.00}. The timing of this is very suspicious, and feels intentional. I've been trading for a year without problem and all of a sudden when the market is taking a 40 % dip XXXX cant buy back in? I cant wait weeks on end for support to get back to me or for them to verify my account. Every other exchange verifies immediately. I don't think its right that they can hold my money hostage, and spring this sort of thing on me during the most inconvenient time of the market cycle. This is ruining any chance of a financial freedom that I was hoping to gain and as a consumer I should be protected form this sort of behavior. I should at the very least be able to talk to someone in a timely manner. And the internet is filled with complaints about this exchanges business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XX/XX/2018 a civil judgement was filed from XXXX XXXX XXXX against me. In XX/XX/2018 the case was dismissed by XXXX Municipal Court. Unfortunately this matter shows up as an eviction on my record even though that is not the end result.

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 2021-08-20
Company: EQUIFAX, 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 have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: EdFinancial Services
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: Old information reappears or never goes away

Complaint:
I have

a 2 part complaint about the same company. 1 ) This complaint is about two accounts from the same company in concern of what's being reported on all 3 of my credit reports. From my understanding, they are past the Jurisdiction for negative reporting and also trying to stay active for much too long. It is being reported by EDFINANCIAL. From my understanding, these have passed the Jurisdiction for negative reporting. They both have the same open date of XX/XX/XXXX. One account is an ESA-ED account ending in XXXX and is closed ( with an active date that doesn't end until XX/XX/XXXX! ), and the other one ends in XXXX and has a balance of {$580.00} and reports until XX/XX/XXXX! ). 

2 ) Throughout the life of the loans mentioned in this complaint, I have XXXX  twice for a total of 27 months, and I had a XXXX XXXX   happen, that caused me to be XXXX  XXXX  from the XXXX. In terms of dealing with this company, veteran 2 years shy of a decade, they made things so difficult. When I joined the United States XXXX in XX/XX/XXXX and I enlisted for the XXXX Loan Repayment Program ( which pays loans as long as they don't exceed {$65000.00} ). Upon my second XXXX, I noticed that the XXXX did not uphold their end of the deal in my enlistment and had to contact them. Fast forward to recent times, in trying to remedy it, they made things so difficult in terms of trying to understand why I have this OLD balance when I enlisted for the payment to be taken care of. I did everything they asked, contacted XXXX HR, and got proof of payment, sent in my XXXX with my XXXX years. If it weren't for some things I had stowed away at my grandmother 's house, I may have never found orders. It was nearly impossible to reach out to my prior unit, and I had to depend on the possibility that any soldiers that may have to know me from XX/XX/XXXX-XX/XX/XXXX may be there, and say they remember and recognize me and see if they had a copy of the orders. How is that fair, you can't assume that all soldier with in the same unit remain in contact with one another indefinitely, because that is the only hope one would have in matters like that. 

I also tried to ask, what were my rights XXXX, because I had a XXXX XXXX  and was not able to work for a while, and that I had supporting documents, they told me, that I should've said something when it happened. When I asked " how could I, I was XXXX  and going through a lot XXXX  and was in and out the hospital for a while, I wasn't able too, but I have supporting documents orders and medical records '' the response was the same. How is someone thinking about these things when they are XXXX  and getting medical treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
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 formerly XXXX XXXX has mixed up some records showing a joint account beginning XX/XX/2013 amt due {$9700.00} When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: JPMORGAN CHASE & CO.
State: NV
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 credit card with Chase Bank. My credit limit is {$7500.00}. As a courtesy, they paid and item that caused my account balance to be {$7500.00}. They have submitted to all three credit reporting bureaus that I am " over my credit limit '' which has caused damage to my credit score with all three credit bureaus. Yet what they did was a " courtesy, '' rather than decline a transaction, even though my credit limit was only {$7500.00}, they decided on their own to give me a little extra credit. I was not consulted on their decision. But this damages my credit score. 

I just called a credit counselor who has been assisting me with keeping my credit clean and he told me that Chase 's " negative report '' has caused my credit score to drop 30 points or more. 

I have a loan pending with a bank, and now my bank is giving me grief. 

The fact is, with my Chase card, I pay my statement in full each month by the due date. Yet Chase has made this negative report on me. My entire credit report shows that I pay all of my bills on time each month, and this is the only negative item on my credit report. My credit score with TransUnion dropped from about XXXX to about XXXX over the last month. 

I contacted Chase Bank and they admitted that this is a fluke in their system, where they will only do credit reporting one time a month and the day they reported it, my balance was {$7500.00}, due to their courtesy of paying an item that caused my balance to exceed the credit limit. I asked them to remove the negative item and they declined. 

The result is that my credit score is being damaged, solely by their actions, and not by anything I have done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: Experian Information Solutions Inc.
State: AZ
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:
Since XXXX Ive been fighting with the credit bureaus to remove all of the inaccurate information and collection accounts that are listed on my credit due to fraud and me being a victim of identity theft and Experian has refused multiple times after calling, certified with signature required requests to remove the inaccurate information and accounts from my credit. I even provided an official police report that deemed that they agreed I am a victim of identity theft and I provided 2 valid forms of identification and they have yet to remove them. Per FCRA laws any information that is not accurate must be removed within 30 days. Which it has been over 30 days its been over a year!!! Experian has also failed to provide the proof on how the information was verified which they have to provide which they have failed to do such as well. They even provided me an alert stating that my information was found in the dark web and I could be a victim of identity theft!! I have reported this to the IRS as well because someone tried to file taxes under my social. All I am asking if for them to do what is right and follow the law as I have rights to protecting myself. 

I am stating from XX/XX/XXXX that I no longer would like any accounts reported to my credit reports!!

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 2018-06-08
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 went to the Chase.com website to open a military bank account and I did this on a PC then on an XXXX and at the end of the application they told me it went through and then kicked it back and said oops something went wrong. So they processed it 3 times and then kicked it out of the online system and said that I had to try again. 
Attached to my email is the video

Company response to consumer: Closed with explanation