BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-06-12
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XXXX XXXX XXXX AND XXXX XXXX XXXX DECEASED, WE ARE THE EXECUTOR 's FOR BOTH. XXXX XXXX XXXX XXXX STOLE MY PARENTS FUNDS AND WANT ALL MONIES IN CHASE BACK OR WILL SUE DAMAGES FROM YOU ALLOWING FRAUDULENT CONDUCT. SEE ATTACHED INFO

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX employee came to my apartment offering XXXX XXXX and never stated anything about having to do a hard credit inquiry but lo and behold I receive my updated credit report and there is now a hard inquiry from XXXX on my report. I called many different departments trying to get XXXX to remove this inquiry and after being transferred to over 5 different numbers I was told that they would not do anything to address my concern. I did not give this employee permission to do a credit check nor was I advised that such was being done and I do not think it is fair that XXXX ( who has been sued in 2017, as I researched online ) for not disclosing this information to potential customers. This has the potential to damage my credit unnecessarily and I hope that you can provide some assistance with this issue. Thanks!

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 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In XX/XX/XXXX i was approved for a used automobile loan with a lender named XXXX XXXX, which is located in XXXX XXXX, XXXX. 
In the contract that i signed at the dealership where i purchased the automobile there was included a powertrain warranty. the powertrain warranty entaled that if the engine or transmission in that automobile i purchased ever failed then the dealer and the lender that i purchased the automobile through had the responsibility of either replacing the failed mechinism in that automobile or the automobile loan would therefore be terminated. 
In early XX/XX/XXXX i noticed on numerous occasions that the automobile was not operating the way it was supposed to, or not the way it was when i puchased it less than two months prior. in the third week of XX/XX/XXXX i tried to contact the dealership where i purchased the automobile. without success i then successfully contacted a loan officer at the XXXX XXXX XXXX XXXX XXXX, located in XXXX XXXX and told them the problem and the contract was voided. but this matter is still showing on my credit report as unresolved please fix this matter for me please asap thank you sincerely 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 2021-09-21
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: Investigation took more than 30 days

Complaint:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: Allied Collection Services, Inc. (Nevada)
State: IL
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 had a balance with XXXX last year and it went to collections. I realized this when I got my credit score and subsequently paid off the amount of XXXX dollars in XX/XX/2017. However the collection still shows on my credit score and it affecting the score.

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 2017-11-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
There was a check I received from XXXX XXXX XXXX, whom I assume was legit. I deposited into my Bank of America account. The check was never used nor was really deposited into the account. I soon fined out it was a scam and I tried to resolve the issue with them and they have not helped me I have been fighting this and have gotten no where. The check was a scam.

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 2017-11-29
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX and XX/XX/XXXX my social was given to many different banks to request credit without my authorization. I was told that it was ran ONLY one time and suddenly multiple inquiries were placed on my credit report. These inquiries were NOT authorized and when called to report them I was told they could n't be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
My loan was managed by XXXX which I made payments to regularly. And since a week ago a campaign of annoying calls not leaving messages, from unidentifiable sources and not explaining the reasons of the harrasing calls for hours a Day were made by a company Called Navient or XXXX, I called them and they are asking me to pay them further more threatening me with collection and legal lawsuit, for what they claim is a XXXX dollars payment. 

Not only this sound like a scam, all my automatic payments are set to my loan providers in file, I have never been informed of any new loan provider and I have let them know they need to properly have the old loan provide to inform in writing who the new loan service provider are. 
How would it be possible to identify who your student loan providers are when they pass it around without care. 
My loan provider was my bank XXXX XXXX whom we have business with the reason we sought a loan with them to abound the endless scamming that goes around when one is only trying to study and improve one life. 

Please set an example against this predatory and hassaring behavioir for once. 

Should you require further information please do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
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: Information belongs to someone else

Complaint:
This account has some sort of mix up because I did not authorize anyone to open this account. I remember discussing opening an account with a rep but never went through went the account nor used it. I think the employee opened the account or this is a mixup.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: Experian Information Solutions Inc.
State: IL
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 having a difficulty in having a bankruptcy removed from my Experian Credit Bureau Credit Report. 
They are indicating that the information on the report has been Verified. On the report it indicates that the report was furnished by the District Court. 
None of this information is accurate because the Court has indicated to me through a letter that they do not furnish information to any Credit Bureaus. 
What I know is that the credit bureau gets its information from a third party, XXXX which sells the information to them. XXXX being a " for profit '' company. 
Therefore, the information which Experian is reporting is not accurate as well as false information. This is a clear violation of the Fair Credit Reporting Act. 
I have sent multiple letters, on XX/XX/XXXX and on XX/XX/XXXX The company continues to maintain their position that the report has been Verified.

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 2019-05-19
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Attempting to collect a Credit Card debt for 12 XXXX XXXX XXXX  XXXX XXXX Never had a card from this bank. Disputed it and never received anything back to valid date account was from 12 XXXX   XXXX XXXX  XXXX XXXX being reported on Credit Bureaus since 2018 and marked as disputed. Again never received anything to validate. This should be removed cause they are falsifying the credit report and is in violation of the FCRA. 

LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXXXXXX XXXX, SC XXXX XXXX XX/XX/2018 ( 1 yrs, 2 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name 12 XXXX XXXX XXXX XXXX XXXX   CONTACT INFO LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXXXXXX XXXX, SC XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I been getting around 8 calls per day to my cellphone, work and coworkers about a loan and keep getting automatic calls from a XXXX area code and saying they are federal agent and to contact them and leaving voicemail that there have a warrant and even gave me a docket number from court on voicemail. started on dates XX/XX/2019 and have been going on from them on.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: Navient Solutions, LLC.
State: SC
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:
I enrolled at XXXX XXXX based on lies that the enrollment person said to me. First off, I was lied to about the loan process and how many loans I would have. I was told I would have 1 private loan and 1 Federal loan. I ended up having 9 different loans. 3 Private and 6 Federal. I was also lied to about credits transferring to other schools. None of my credits can transfer. I have called 4 or 5 different schools and none of them will accept XXXX XXXX credits. I was enrolled from XXXX to XXXX. I did complete my degree but have been told many times that the degree isn't worth the paper it is printed on. I am lost and have no idea what to do. I was lied to from the get go. My loans have grown from {$40000.00} to $ 60,000+. I am currently paying on the Federal loans through an IBR which has been a struggle from time to time. I'm not rich and I live week to week like most folks do. At first the payment was around {$54.00} a month for the first year. The next year it went up to {$140.00}. And now the payment is {$360.00}. I can't afford this at all. I am paying on a degree that is worth nothing. I have had other folks that I attended XXXX XXXX with and they have somehow had their loans discharged completely. When I contact Navient I get told that they can not discharge the loans. I really need help. I have started contacting Lawyers to find out my options based on being taken advantage of and lied to by the school and the loan provider. I went through a job interview and the gentleman was looking over my resume and laughed because I attended XXXX XXXX. He said that it was a school built on lies and that the degree isn't worth anything. And in all my research it is true. No school will accept it and I have been told that I will have to start from scratch again to obtain another XXXX degree.Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I RECEIVED A LETTER DATED XX/XX/XXXX FROM XXXX XXXX XXXXXXXX XXXX. ( ATTATCHED ). THE LETTER INFORMED ME THAT THEIR OFFICE WAS RETAINED BY XXXX XXXX XXXX XXXX XXXX XXXX TO COLLECT A DEBT. I CALLED THE NUMBER PROVIDED AND EXPLAINED I HAD KNOW IDEA WHAT THIS WAS ABOUT. ALL MY STUDENT LOANS WERE CONSOLIDATED IN XXXX. I HAD NOT RECEIVED ANY BILLS FROM THIS COMPANY AND ALL OF SUDDEN IA MTHREATENED WITH A DEBT COLLECTOR. I TOLD THE ATTORNEY ( XXXX XXXX ) TO SEND ME PROOF OF WHAT HE WAS TALKING ABOUT. 
ON XX/XX/XXXX I RECEIVED AN EMAIL FROM MY FORMER BANKRUPTCY ATTORNEY 'S SECRETARY ( ATTACHED ) WITH AN ATTACHED LETTER FROM THE XXXX XXXX XXXX ( ATTACHED ). THEY SENT MY FORMER ATTORNEY DOCUMENTS SIGNED ON XX/XX/XXXX FOR A XXXX XXXX LOAN ... NOT XXXX XXXX XXXX XXXX  BUT THESE DOCUMENTS WERE NOT MAILED TO ME. WHY? MY BANKRUPTCY ENDED A FEW YEARS AGO. 
I NEED HELP BECAUSE I DO NOT BELEIVE THIS COLLECTION IS CORRECT. I REFINANCED MY HOUSE LAST YEAR AND THIS NEVER CAME UP AS AN ISSUE. I CONSOLIDATED MY STUDENT LOANS AND YET I AM GETTING AN UNEXPECTED HARRASMENT FROM THIS LAW FIRM REPRESENTING THIS XXXX XXXX XXXX XXXX XXXX. PLEASE HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validatedthese accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-03-15
Company: Direct Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX has sold my debt, or has hired, Direct Recovery Services. This collection company has been contacting one of my co-workers at my place of employment. I am not sure how they got his contact information. They are the type that call from different phone numbers. Today I called them back on the number that they left on my co-workers ' voice mail : XXXX XXXX XXXX XXXX. I told them that they were contacting a third party about this debt and requested that they remove his phone number from their system and also asked them to stop contacting me at work. The other number that they have left on my co-workers voicemail before is XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
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 obtained a credit report for the purpose of taking out a mortgage on XX/XX/XXXX, I was notified that I have two late payments reporting from American Honda Finance in XX/XX/XXXX and XX/XX/XXXX. This surprised me since I set up automatic payments with American Honda Finance. I have tried multiple times to discuss this with them to have this corrected. I have fallen on deaf ears. This greatly impacts my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2017-12-07
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have sent in my dispute/fraudulent letter with proof from 3 notarized authorizations along with police reports to show proof of identity to Equifax, XXXX & XXXX. My information has been stolen in 2016 & a couple more years back during the summer! Ive even sent equifax my CORRECT date of birth with proof of identification like theyve requested & STILL NO UPDATE THIS WEEK TO MY INFORMATION! I thought my account was protected but I guess not! Im just getting my life started. I just found out what credit was at the end of last year!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I feel the {$10.00} fee to freeze my credit report with experian is unjust and amounts to extortion. I never signed any agreement with this company to give them power over my credit, yet they yield the power to wreak havoc in my life by enabling identity thieves. It should not cost me a penny to protect myself from this, and other credit companies.

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 2018-03-15
Company: EQUIFAX, INC.
State: IL
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 a collection on my Equifax credit report. It does not state what company it is from. It should be not be on my report. I am not delinquent with any company. Please get this addressed immediately. I will like to act upon my rights according to the FDCPA. I know the FTC also believes in consumer fairness as well. This is not reporting on my XXXX   and XXXX report. The Account number listed on the Equifax report is XXXX. I strongly dispute the inaccuracy of this being my reported on my Equifax account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: Experian Information Solutions Inc.
State: LA
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: Problem with personal statement of dispute

Complaint:
I requested VALIDATION stating signed documents with my signature are contact by the original creditor. 
Haven't received anything saying this debt belongs to 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 2018-03-15
Company: Coinbase, Inc.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have been locked out of my account since XX/XX/XXXX. The login screen says it needs " new device conformation '' and will send an new email with a link to verify. The email never arrives so I remain locked out of my account. I have spoken to Coinbase support on the phone and they said my account is in good standing with no red flags. They said they can not figure out what is wrong and have escalated my account to a specialist. It should take more than 24 hours to unlock someone's account. This matter should of been fixed on the first phone call. 


COINBASE CASE # XXXX

Company response to consumer: Closed with explanation