BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-11
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:
I am the custodial parent of my children full-time and have been since 2013 official closure of the erroneous to child-support accounts date back more than two years the balances are at XXXX of the moms close the case two years ago in the department has tried to get Trans Union to fix this error but for whatever reason union continues to want to ruin the lives of me and the XXXX girls I support by displaying in accurate information because theyre too lazy to look into the issue and find out from the Department of Child for California all these are closed in the entire record should be removed according to the department

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 2019-03-11
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Misallocated payments Steered struggling borrowers toward multiple forbearances instead of income-driven repayment plans, and Provided unclear information about how to re-enroll in income-driven repayment plans and how to qualify for a co-signer release

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: United Shore Financial Services, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage
Sub-issue: Changes in loan terms during or after closing

Complaint:
I want to express my complete displeasure with the closing process that resulted in an increase in my closing cost by nearly XXXX XXXX on the day of closing XXXX In the final weeks of closing UWM underwriters requested updates to credit that resulted in multiple hard pulls of the credit. The multiple credit pulls dropped my score below a conventional loan score and changed the terms of the closing cost as well as the type of loan I qualified for with no warning. The UWM underwriters instituted a series of delay tactics that prevented me from closing on time that also resulted in a change in closing terms as well. All in all UWM took various steps that resulted in more out of pocket expenses on my part as well as enriching my loan for profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: Experian Information Solutions Inc.
State: TN
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXXXXXX, # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 wi the fair credit reporting act, XXXX, XXXX account number 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 an account without my written instructions

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 2023-08-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
date range of transactions : XX/XX/2023 - XX/XX/2023 total amount : {$17000.00} actions taken : attempted to create a class action lawsuit from law firms. Having problems with Chase service called " My Chase Plan ''. So far, can't find a firm to resolve this concern. 

carding ending XXXX $ XXXX $ XXXX {$190.00} $ XXXX {$1400.00} = {$160.00} $ XXXX $ XXXX {$110.00} $ XXXX $ XXXX {$160.00} $ XXXX $ XXXX {$110.00} $ XXXX {$960.00} = {$110.00} $ XXXX $ XXXX {$21.00} $ XXXX $ XXXX {$16.00} $ XXXX $ XXXX {$110.00} total cost for card ending XXXX : {$12000.00} total fee for card ending XXXX ( disguise as interest ) : {$1000.00} carding ending XXXX $ XXXX $ XXXX {$940.00} total cost for card ending XXXX : {$4400.00} total fee for card ending XXXX ( disguise as interest ) : {$940.00} total cost for all cards : {$17000.00} total fee for all cards ( disguise as interest ) : {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX of XXXX Florida has sent me multiple request to pay {$4100.00} these are allegedly for XXXX services as far back as XX/XX/XXXX and as recent as XX/XX/XXXX. The only thing that is wrong is that they're a fraud. I've contacted the medical group allegedly involved and first and foremost I owe nothing not dollar one, secondly the medical group has no idea who these people are. 


Obviously XXXX XXXX XXXX is a fictions company trying to scare me into paying a debt I do not owe. They have committed mail fraud and are attempting to scam me out of {$4100.00}

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 2019-03-11
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
This is a past due amount from XXXX XXXX in NC. I paid this off directly to XXXX and started new service with them and currently have service with them.I had no knowledge of this account being reported to a collection agency until I reviewed my credit report. After speaking with XXXX the representative said they do not report to collection agencies. I told them it is on my credit report from Helvey & Associates. This is unfair that an electric company can collect funds and send to a collection agency but NOT advise the consumer its with a collection agency. The collection agency has not responded to any of my calls and the credit bureaus are not removing the paid collection I had NO knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XXXX I used the American Express online portal to request an additional authorized user on my AMEX XXXX card. I went through the prompts, read the legal disclaimer, and hit submit. After submitting my request, I received a credit bureau notification from XXXX  informing me of a hard inquiry on my credit bureau. 

I went back online to verify if there was any language where I consented to AMEX receiving my credit report, and there was not. I called AMEX directly and spoke to a rep who was unable to assist me with my problem. In asking her if i would have called AMEX directly would they have informed me of a credit pull, and she said they would have not. 

She then provided me with the number of XXXX to correct this problem on XXXX. I called them this morning at XXXX PST and was told to call the new accounts department at XXXX. The American Express rep said because i have a fraud alert set up on my account, a hard inquiry was made. I told him I have had fraud alerts placed on my account for over 20 years and this was the first time something like this had happened. 

I did not give any consent to AMEX to pull a credit report on my account. AMEX did not provide me with any information that having a fraud alert on my account would result in a hard inquiry. I am of the opinion that AMEX violated the Consumer Privacy Act. 

After going back and forth, the rep XXXX XXXX ID XXXX XXXX said they would remove the inquiry. He said they had a maximum time of 90 days to remove it from the credit bureau. I'm not sure if this is true and would like follow up on this since they were unable to provide me with an information in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-05
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
I tried to purchase {$300.00} two different times onXX/XX/XXXXfrom CoinBase, but the transaction was not completed due to insufficient funds in the bank account. I did not receive any BTC from CoinBase and my bank account was not charged. 

Sometime aroundXX/XX/XXXX, my Coinbase account was frozen and I was not allowed to complete any transactions. I immediately sent a support ticket to them and was told that they would get back to me within 7 days due to high volumes of cases. 

On XX/XX/, XXXXoinbase withdrew {$600.00} worth of BTC ( XXXX ) from my Coinbase account without any warning to me. I immediately followed up with them, and they told me that the proper escalations were made, but there would be a delay due to high case volumes. 

It is nowXX/XX/XXXXand a month has passed since I have submitted the ticket and I have not received a response from Coinbase yet. 

I have verified my Coinbase transaction history against my bank statement and they are correct. Looking at just the {$300.00} transactions, I have 5 transactions for {$300.00} shown on my Coinbase transaction history and 5 transactions for {$300.00} shown on my bank statement. I have sent this information to them, but I have not received a response yet. 

I am frustrated by the lack of communication. Furthermore, I am not sure what to expect as a response from them and if I will even be able to appeal the decision without having to wait another month for a response. The very nature of the product they are providing is time sensitive and the lack of a timely response is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
collection account XXXX XXXX consumer reporting agencies verified the account as mine but the name is not mine XXXX XXXX XXXX II Also the account was sold to XXXX XXXX XXXX back in XXXX so how can XXXX companies claim it there account? 
they are violating my privacy by having my private information without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: NAVY FEDERAL CREDIT UNION
State: CO
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:
This debt was discharged in my chp XXXX and is being reported as being late. This was discharged XX/XX/2017. Did show discharged now showing late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
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 have been working full time with a PSLF-qualified employer and making qualifying payments since XX/XX/XXXX. When my loans were from transferred to XXXX, XXXX did not count all of the qualifying payments. A request to review my case was submitted by a fedloan representative XX/XX/XXXX, but my case has not been reviewed. Additionally, through the XXXX website, I am unable to access past PSLF employer certification forms I submitted and I can not access information on payments that were made during the year XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: AES/PHEAA
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/XXXX XXXX XXXX, a collection Agent for PHEAA, misrepresented themselves by identifying themselves as US Department of Education and offset by tax of {$3300.00} without Court Order. This alleged debt was a XXXX XXXX XXXX that was paid off but had been manipulated to create the current debt and was assigned to XXXX XXXX  for collection. 

Seeing the suspicious manipulation on the letter from the US Dept. of Treasury, I decided to dispute the Offset with the US Dept. of Education Ombudsman Group. The US Dept. of Education Ombudsman group showed that they did not offset my tax but said that PHEAA has the ability to garnished and certified my tax for Treasury Offset ( TOP ).

But the Law requires PHEAA to offset my tax only with a court order and PHEAA does not have the court order. GC Services, PHEAA 's Collection Agent, does not have court order required to offset my tax either, buit decided to misrepresent themselves as US Dept. of Education to offset and take my money in Bad Faith. 

I also found out that the US Dept. of Education also need court order to Offset this alleged debt because it was and is still disputed. According to the law US DOE can only Offset on undisputed debt without court order. 

This alleged debt had been disputed many times from XX/XX/XXXX but was never verified and never validated on collection accounts. 

I also disputed this alleged debt with GC Services when I received their collection letter, dated XX/XX/XXXX, in the mail. I asked for the validation of the debt as required by Texas Debt Validation process on XX/XX/XXXX but XXXX XXXX never validated the debt but continued to pursued collection action and still reporting the debt on my credit record in violation of the FDCPA. 

Returned certified mail confirmation showed XXXX XXXX received my dispute letter but never responded and never validated the alleged debt but decided to misrepresent themselves to offset my {$3300.00} and take my money in Bad Faith. 

The US Dept. of Treasury had said that only the person named in 'who do I owe ' can be able to remove, change and refund the money collected through this falsified Treasury Offset process. But the US Dept of Treasury had failed to identify the real certifying agent of this Offset.

Therefore TOP Trace # : XXXX  was certified in violation of the Federal Debt collection Act and has to be nullified and my money return to me. 

I am also requesting that my information be removed from TOP data base in accordance with the Federal Debt Collection Act due to misrepresentation by XXXX XXXX, the certified agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: Block, Inc.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
cash app is allowing XXXX  under XXXX to sponsor my XXXX XXXX XXXX daughter and allowed her to have an account that I didn't approve of under her XXXX XXXX XXXX friends account and control and they would remove the account or give me any info to do so. From my understanding it is illegal for a XXXX  to engage in a contract without parental permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX i called to see what was on my credit, I was told to pay XXXX before i could go any father, the agent would not let me off the phone with out payment or a payment date and card!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19
Company: Experian Information Solutions Inc.
State: AL
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 XXXX XXXX account # 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 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 2022-07-13
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: Public record information inaccurate

Complaint:
On XX/XX/2020 Clerk of the XXXX XXXX XXXX Filed a notice of withdrawal of Bankruptcy, I contacted the 3 major credit reporting bureaus so they could do there Research and remove this XXXX XXXX XXXX from my credit file XXXX XXXX XXXX 
Ive spent countless dollars and so much of time trying to dispute this unlawful Public record on my Personal Credit file it remains. according to FCRA XXXX and Transunion have 30 calendar days to investigate errors and unlawful reporting.

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 2021-06-29
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Someone hacked into my online account with Chase. I have a business account, three personal checking accounts, and one savings account. All the money from all the accounts amounting to over {$50000.00} was transferred to a bank in XXXX with over 20 wire transfers. First they transferred all my money from each account into one account, then they wired the funds to some account and bank in XXXX. All the money from all the accounts were taken. I filed a claim report with Chase and filed a criminal report of the fraud. I provided all the information to Chase and they have denied my claim. They some how believe I was the person who took this action but they won't even provide proof. I can provide proof it wasn't me as I have 2 factor authentication on my accounts. My email and phone number never received a 2 factor notification. I have reviewed the XXXX, XXXX and XXXX login activity and no one ever accessed my account and Chase never sent a notification to me. My family is now without any money and Chase is asking for all the wire fees and overdraft charges because they allowed someone in the middle of the morning to wire ALL our money out of the country. We have never wired money out of the country, never gave Chase the authorization or approval to do so either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to remove the listed items below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: DISCOVER BANK
State: CA
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:
Dear Sir/Madam, I have made a purchase for a service from XXXX XXXX XXXX XXXX on XX/XX/2018. The company did not provide me the service i.e. move my items from XXXX to XXXX XXXX to my house and lost a lot of items. I tried reaching out to XXXX XXXX but they are not picking up my call. Upon not receiving the promised service, I reached out to discover to raise a dispute ( reference number - XXXX ), but the company sided with the merchant despite all the evidences I provided. 

I did provide them a copy of contract that clearly states what was expected of the move and also the picture that I did not receive the service as promised.

Company response to consumer: Closed with explanation