BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-27
Company: Experian Information Solutions Inc.
State: TN
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 partial account number XXXX ; XXXX partial account number XXXX ; and XXXX partial account number XXXX should not be reporting to XXXX ; Experian and XXXX that I was late on these accounts. ( Please see page attached from my credit report. ) I was in the middle of refinancing and was working with a bank representative that assured me that no late payments would report on these accounts. I was not aware that any lates were being reported until I obtained a copy of my credit report. This false reporting of lates is seriously harming my credit score and need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-07-06
Company: Experian Information Solutions Inc.
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: Public record information inaccurate

Complaint:
I have filed several disputes with Experian in regards to a public record item on my credit report. I have even filed with CFPB each time Experian has responded stating they verified the information the first time they stated they verified with Lexis nexus I have attached proof from XXXX XXXX that they have no file on me Secondly Experian states they verified with US Bankruptcy court I have attached proof from the US Bankruptcy courts that states Experian didnt revive this information from them Attachments letter from US Bankruptcy Court Letter from XXXX XXXX Photo ID

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 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XX/XX/2022 I received and email about a new credit card. I checked my credit and noticed a brand new account and address that did not belong to me. 

I have filed a claim with the IDTheft.gov and tried to dispute with credit companies. 

I do not reside nor have I ever resided in the state of FL.

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 2020-10-27
Company: HEARTLAND PAYMENT SYSTEMS INC
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My XXXX institution, XXXX XXXX, is the loan servicer for my federal Perkins student loan and they contract with Heartland Educational Computer Systems , Inc. ( Heartland ECSI ) for the billing and electronic processing of loan payments. Last year, I applied for and was granted forbearance for this loan, which soon coincided with the coronavirus pandemic and the Secretary of Education directing the office of Federal Student Aid to suspend loan payments and stop collections on defaulted loans in XX/XX/2020. Since this relief was extended to the end of XXXX, I assumed that I would not have to make payments on my Perkins loan until then. That has been the case for my Stafford loan, which is managed by a different loan servicer and is not collecting payments unless I choose to. 

However, in XX/XX/2020, Heartland ECSI ignored the directive from the Secretary of Education and sent me a billing statement once my forbearance expired. Nowhere in this statement did it mention COVID-19 relief or any messaging consistent with the Department of Education. It was as if the pandemic wasn't happening at all. 

I made a good faith assumption that this was an error from an automated system, so I ignored the billing statement and waited for a notice from Heartland ECSI explaining their mistake. Instead, the billing statements kept coming for XXXX, XXXX, and now XXXX. Heartland ECSI is now sending threatening past due notices, saying, " It's important to act now. If you don't pay the overdue amount on your Federal Perkins Loan or contact us within 15 days of this letter, we'll proceed in collecting the full amount of your loan plus late fees, interest, collection costs, and attorney fees. '' Once again, this notice did not mention COVID-19 relief and is in direct violation of the directive to suspend loan payments and stop collections. Based on the billing statements, they are also charging 5 % interest instead of the 0 % interest rate that the Department of Education had mandated for the rest of this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: TMX Finance LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was damaged or destroyed the vehicle

Complaint:
Based on my previous letter dated XX/XX/XXXX, the District Director of Operations of TitleMax called me and informed me that a ) the vehicle was in excellent condition and that they could sell it at auction to recover the amount owed or b ) they would accept my offer to pay {$7100.00} to return the vehicle to me. Based on this discussion, I agreed to option b. 

1. On XX/XX/XXXX, I made the payment in person to TitleMaxs XXXX store. TitleMax representative, XXXX XXXX XXXX signed the release agreement. 
2. I picked up the vehicle from XXXX XXXX XXXX in XXXX, NJ where TitleMax had sent the vehicle for auction. I observed them move the vehicle from the lot to the parking lot using a forklift despite me having the keys to the vehicle. 
3. On XX/XX/XXXX, I took the vehicle to XXXX of XXXX for scheduled maintenance. They informed me that the vehicle had been damaged due to improper towing. Both front and rear control arms are damaged due to the forklift or the original towing company mishandling the vehicle. An exhaust bracket is also damaged and needs repair. The damage assessment and estimated cost is attached. This damage has caused abnormal wear and tear on the tires. 
4. There is also minor damage in the trunk and front driver door area where TitleMax or its agents attempted to open the vehicle upon repossession. 

I contacted Titlemax in writing on XX/XX/XXXX and XX/XX/XXXX to ask them to pay for repairs. As per their reply dated XX/XX/XXXX Titlemax agreed to pay XXXX of XXXX the sum of {$1000.00} to repair these damages. 

However, despite repeated attempts to contact their store in XXXX  to arrange to sign the release documents I was told that no such arrangement to make payment had been made. 

I then contacted them in XX/XX/XXXX and again in XX/XX/XXXX and they replied on XX/XX/XXXX and asked me again to visit their store in XXXX  ( 3hrs from me ) by XX/XX/XXXX. Covid-19 lockdown started on XX/XX/XXXX in XXXX  and I doubt their store is even open. No one answers the phone there. Nor does the Regional Manager, XXXX XXXX answer. 

I have written to them on XX/XX/XXXX and XX/XX/XXXX asking them to send me the release documents via mail or electronically for signature but they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
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 belongs to someone else

Complaint:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2019-02-21
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have mailed and called both the credit bureau and these two collection collection agency 's who  refuse to now respond to my mail, calls and request for removal of false collection accounts. I have disputed these accounts and they both did not return verification of account to me by mail within 30-45 days as requested and by law the accounts were to be removed but did not. I now request full compensation for their lack of professionalism and me now being denied credit. 

Account 1 listed on XXXX Credit report Debt collector Name XXXX XXXX XXXX Account # XXXX Creditor Name XXXX XXXX Stated open date XX/XX/2017 Amount stated {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Account 2 Listed on Equifax Credit report Opened XX/XX/2017 Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX of this year I was online shopping. I came upon a website offering what I had googled. The item I was looking for was a cuckoo clock. I wanted it. I saw the XXXX link and felt a sense of security. I concluded the transaction through XXXX in the amount of {$99.00}. When my XXXX receipt came in an email I saw the recipients name and was immediately concerned. I didnt believe that a XXXX XXXX  clock was coming from what appeared to be an XXXX entity. I let a few days go by and contacted the website via drop down box inquiring as to my order. Usually an email will come to me in a day or two as to the shipping situation/status. But nothing had been received. When the website didnt answer my query in timely manner, I contacted XXXX alerting them to a potential problem. It reached the were reviewing your case at XXXX where this status remained for several days. When I tried to chat with someone at XXXX I couldnt get anything beyond AI. I left a terse message in the chat box asking for compliance and received no answer. It was then I moved on to the actual source of the funds paid out - Capital One. Ultimately, Capital One has decided to abandon me as well even though the multiple documents I sent them through their secure link clearly show fraud. These documents will be uploaded for your review. There are more documents and theyve been submitted to Capital One but Ive included what I feel are the most important. Ive answered everything that Capital One has asked of me. Ive even included a sworn statement. 

It all comes down the unique tracking number. It can not be both a pair of socks valued at {$10.00} and a cuckoo clock valued at {$99.00} And when I tried to impress this upon Capital One - that you couldnt get a cuckoo clock into the small padded envelope, it fell on deaf ears. And when I asked what my ( now XXXX opponent had offered as evidence or sworn testimony, I received the shipping log of the unique alphanumeric tracking number only.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
inquiries were fraudulently put on my credit reports. these are the dates of the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: Berlin-Wheeler, Inc. (Kansas)
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This bill is not mine i lived renting a house and the owner on XXXX XXXX XXXX. where was my last gas bill but the rental company locked the doors and change locks i could not get in and the landlord use the gas for some months it was not me.

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 2017-08-09
Company: ORG GC GP Buyer, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XXXX XXXX, 2017 I had a message left on my cell phone from a XXXX XXXX a manager at GC Services a debt collection company. The call came from XXXX but I was asked to call back at XXXX. I had the same message left on my cell phone and work landline on XXXX XXXX, 2017 but from a different employee. When I look up contact numbers for GC Services, this number is not listed. I would like for this company to stop calling my work phone, as I have asked them before on a date before the XXXX XXXX, 2017 message but they continue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-19
Company: Diversified Consultants, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX emailed a bill after a phone representative said that the final bill was paid in full. This subsequent bill was thusly never paid. XXXX XXXX XXXX never attempted to contact me again. Instead they sent me to collections. The collections company - Diversified Consultants Inc. NEVER made an attempt to collect the debt ( {$55.00} ) on behalf of XXXX XXXX XXXX XXXX Instead they simply reported to all credit bureaus that it was delinquent without any attempt to collect the debt or giving me the chance to dispute the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Security Credit Services, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This item is on my federal but I have contacted the agency they are an able to provide me proof they are a third-party that purchased the debt. She placed me on hold and transferred me to a voicemail after refusing to provide the requested information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: EQUIFAX, INC.
State: NC
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:
XX/XX/2020 around XXXX XXXX In regrades of my XXXX  credit report, XXXX  credit, Equifax Credit. This is for all the credit Reports Agencies. All three want me to pay to monitor my credit even though I have fraud protection, freeze being a victim of Identity theft I have started checking my credit report every month sometime twice a month I also check with my creditors, my score was on XXXX on XX/XX/2020 after I spoke about my credit the gentlemen wanted me to pay for an upgrade I had did that before I told him no. And the next day XX/XX/2020 my score was taken down by four points. And they also ask about Boost up your credit with paying your utilizes bills but they only work with certain credit union and mine is not one of them. Another time XXXX all the way back to XXXX score up then every time I call with my credit report they want me to pay money, so I am wondering do I have to pay the credit bureau to have good credit even though I am paying my creditors. then I was ask to pay money to upgrade for my protection over my credit my response was why should I continue paying XXXX  {$20.00} a month more to raise my credit score up {$19.00} per month for Equifax. XXXX  {$29.00} per month. Now the way the economy going paying a total of {$70.00} a month is that fair to you all. I am a widow and I work very hard on my credit. Please stop lower my credit points for know reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: Asset Management Outsourcing, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was informed by XXXX XXXX XXXX XXXX XXXX that an outstanding debt was collected on behalf of Nationwide Recovery Service , Inc . I have not received any form of communication from this company regarding the debt or my options to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX of last year I heard about Equifax data breach which got me worried enough to purchased a copy of my credit report from XXXX that got me so disappointed to find out that I have been a victim of identity theft. I discovered that someone unknown to me had used my personal information to get credit cards and personal loans from the following companies : XXXX XXXX XXXX and XXXX and XXXX XXXX. I immediately contacted XXXX identity theft division and told them of my finding which i got advise by a very helpful person by the name of XXXX to file a police report and an identity theft report and send it to every credit reporting agency along with the copy of my credit report and copy of my id and social security and let them know which account was opened up fraudulently and they would block those account from my credit report. Both XXXX XXXX and XXXX had removed those fraudulent accounts from my credit report immediately, but in other hand i been having problem with EQUIFAX and after going thru waiting for hours to speak to some one and sending them my FTC report and police report still we are at the same stage, not only nothing has not changed they never indicated that account ever been under investigation which brought me here for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: BAM Management US Holdings Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Type of Investment : CRYPTO CURRENCY Exchange : Binance US Name : Account Email : Customer Support Ticket # with Binance US : XXXX My Telephone # : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I deposited $ XXXXusd from my us XXXX XXXX account via wire transfer to XXXX XXXX XXXX XXXX Bam CLEARING ) reference # XXXX ON XX/XX/2021. On XX/XX/2021 I used those same funds to purchase XXXXusd worth of VET tokens ( Vechain ) price slightly above XXXX usd. 

I have been locked out of my Binance US Account for 7 weeks with no status update on when the account will be unlocked. 

While unlocked the price of VET went as high as .25 cents and is currently at .16cents. 

I'm complaining because Binance US. as little to no customer support. I've filed a support ticket and have received little to no response with zero status update going on 7 weeks and counting. 

I received a response on twitter on XX/XX/XXXX, XXXX saying I would receive an email response soon. only to get an email that evening saying they are overwhelmed and will get to me soon ... .that has been a week ago. 

I have suffered mental and emotional stress. I have sent certified mail to Binance US Corporate Office in XXXX XXXX TWICE with all relevant required data to unlock my account : USPS TRACKING # XXXX USPS TRACKING # XXXX I've invested my life savings on BINANCE US exchange platform and have had zero access to my funds for more than 30 days with no status update or reasonable response. 

While i have seen my invested funds increase drastically from .04 cent to .25cent without having access to my funds or account with almost zero communication or status update from BINANCE US . 

CAN YOU PLEASE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: EQUIFAX, INC.
State: PA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX  : {$480.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Nelson Cruz & Associates LLC
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: Information belongs to someone else

Complaint:
sent two letters one on XX/XX/2020 and the other one on XX/XX/2020 to Nelson Cruz about an account reporting on my credit a formal notice that claim disputed requesting validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act along with the correspond-ing local state laws. I requested " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  And XXXX ) from your company or any company that represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA : Therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. I have not heard from them in 60 days but they stated on my XXXX  report that the Outcome Remains-The company that reported the information has certified to XXXX  that the information is accurate. The item was not changed as a result of there processing of my dispute.How is this fair and accurate I have never signed a contract with them nor any company they represent

Company response to consumer: Closed with explanation