BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-25
Company: AES/PHEAA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have two student loan accounts open with Fed Loan Servicing in XXXX, PA. The problem at hand occurred in XX/XX/XXXX - XX/XX/XXXX. I had graduated from my university and no longer had access to my .XXXX  email account. For some reason, Fed Loan Servicing was only sending my bill to the .XXXX  email address, even though they had my mailing address AND personal email address on file. I didn't notice until XXXX of XXXX that my account was overdue and marked delinquent from no payments from XX/XX/XXXX until XX/XX/XXXX, for 2 accounts, which would equal 16 late payments in total. Upon contacting Fed Loan Servicing, they provided me no resolution and told me nothing could be done except for me paying the overdue accounts, which I did immediately. This practice is extremely unfair and has brought down my credit score significantly, for a problem with this Federal Servicing agency, that is taking advantage of students by not communicating or providing notification through the proper channels for payment and billing. The fact that it took me 6 months to realize my account was overdue by pulling my credit is very alarming. I could only imagine how many others have faced similar problems with this agency. I have started formal disputes with credit score agencies as well, but have received no resolution on these matter as my credit still stands and these late payments will tarnish my credit score for long-term and prevent me from buying a home. I am not receiving and help or solutions from this Federal Loan Servicing department, nor the major credit unions on my dispute to get my credit score fixed so i can move forward. I could even pay off all the accounts in full today, so it's unfortunate that I have to suffer because of a systemic issue of this Federal student loan agency from years ago that made a big mistake and refuses to take the action necessary to make it right for someone to move on in their future and purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 am contesting any information on my credit report that is not true or documented accurately by the credit bureaus. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting.I can not recognize or accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations because it is unsubstantiated. According to federal and state law, XXXX, XXXX, Transunion must report any allegation accurately and completely.It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose.If it is not, I want it removed from the report.I authorize you to mail me physical documentation of your actions and my updated credit report.

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 2021-06-14
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hallo sir. 

My problem is XXXX I open a digital account by Coinbase. 
And since XXXX I received a message from Coinbase telling me I have to make a verification. 
Since I done this verification my account is under review. 
Its hundred percent ok, to do some verification to time to time but since XXXX I am triying get it solved I wrote at less 30 e-Mail or contact formula but nothing happened. 
Never get answer from human beings only XXXX bot telling me my case is closed. 
How can do big company like Coinbase be allowed to operate without customers support hotline or care. 
There are 10000 customers who these problems like mine.

I think it is time for someone do something about Coinbase. 

Account under review Your account is currently being reviewed and we need some time to verify your info. 
During this review, you wont be able use Coinbase. Generally reviews take few days. 
So sign every day or two to check your Status. 

This is the massages I got when I signed in my account every day since XX/XX/XXXX. 
I hope you can help or someone will read it and help. 
Best regards XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: Michael G. Niles
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Company named Executive Financial is repeatedly calling my personal phone regarding debt. They do not provide the name of the person they are calling for and I do not have any outstanding debt that would have been submitted to a collection agency. Several online complaints claim they have erroneous info and are phishing. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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. 

Please delete these accounts from my credit report. 

XXXX. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX XXXX CO ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX XXXX CO ( Original Creditor : XXXX XXXX XXXX ) Account # 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 2022-04-28
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized used of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Four times this year, someone has been able to access my credit card account and change my address to get another credit card and 1 time in XXXX that tried to use it to get {$250.00} if the card. Even though I have a freeze on my account, and they are suppose to send a code to my phone to make any changes. 3 times it was for an address in XXXX and 1 time it was for an address in XXXX, XXXX, which I haven't lived in XXXX, XXXX in almost 9 years. I just found out on XX/XX/2018, that someone tried to get another card from my account, even thought I have a fraud alert and I froze my account. Everytime this happens it lowers my credit score. I have a XXXX credit score and I'm trying to buy a house. I don't want to close this account as it will lower my score even more. I have 7 credit cards and this is the only one that keeps getting hacked. I'm thinking now that it is an inside job. No matter how my alerts or freezes I put on this account, even changing the name to my married name, someone is still able to access this account. They have sent me 4 new cards and it hasn't done any good. I WANT THIS TO STOP. I'm going to pay this account off and never use this account again. I shouldn't have to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
I have worked in financial systems and data Integrity for a large Banks over a XXXX period of my career and I am disgusted with what Chase Bank has done over the course of the last 15 years. Most importantly right now is there algorithm which is in violation of truth-in-lending especially for small businesses during Coronavirus. My problems are very very detailed with fraud in direct Financial negativity to my personal and businesses and accounts and lines of credit in excess of {$26000.00} between two cards one being chase XXXX unlimited and the chase XXXX program that is known for many issues and legal problems my credit was in good standing with no revolving balances with a very good history and all of my businesses since XXXX wear with Chase Bank they have fraudulently taken thousands of dollars for me reported my credit incorrectly and shut it off during a time when they should have not and all kinds of other illegal activities over the course of my relationships with them they're also withholding data and I know by law that they have to have at least seven years of data on file which is my right. 

I have tried to reconcile this with them financially and they have not come to terms their dispute process is one of failure and continued lies and inaccuracies in fact Never follow up on cases and use a blanket term that many Industries do called the back-office which in fact is nothing I am old thousands of dollars and it is ruined my small business and I will be reconciling everything to the XXXX in this is a formal complaint to do so and take action and litigation against the bank as a consumer and maybe as a consumer advocate please advise what to do again this is signed electronically and dated by my voice at XXXX XXXX Central Standard Time on Sunday XX/XX/XXXX you can reach me at XXXX please help and thank you for the service I hope it does help others get through this if we can't trust their banks at this point what do we have left? XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I contacted Equifax regarding the incorrect information on my credit report. As of the date of this letter, Equifax has not responded to my inquiry. I am writing to formally dispute the following inaccuracies on my credit report and request the necessary corrections : Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$710.00} Inaccuracy : This account was never late. Please correct this inaccurate information on my credit report. 

Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Current Balance : {$3800.00} Inaccuracy : This account was never late. Please correct this inaccurate information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Company: Global Lending Services LLC
State: OR
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The attempts to validate debt owed on my credit report have gone unanswered, and when I attempted to gain information via the phone, the company could not find an account for me. the company is Global Lending Services

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX ACCT # XXXX Date Opened : XXXX XXXX, 2014 I did a thorough investigation myself and noticed various inaccuracies. I have already tried fixing this problem with the company. 

In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX, has violated my rights. 

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

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

15 U.S.C 1666b A Creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.

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 2023-02-09
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: Investigation took more than 30 days

Complaint:
I sent a letter to XXXX, XXXX, and Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation.

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 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 or 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Reference : ARS ( ACCOUNT RESOLUTION SERVICE ) - {$470.00} On XX/XX/XXXX, I applied for an apartment and was told I had negative collections on my credit files. I was not aware of any collections and contact the credit bureaus XXXX, XXXX  and XXXX  and advised that the account do not belong to me, nor had I ever been notified about any past due account with this company. All three bureaus came back with the account had been verified. I was never contacted by any one nor can they validate that the accounts belong to me. 
I am waiting for some kind of documentation from the creditor or collection agency, so that I can dispute the debt, but as of today XX/XX/XXXX, have not been contacted in writing and it has been thirty ( 30 ) days, since I disputed the entries on my credit files. 

Thank you 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 2018-02-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XXXX XXXX XXXX Bank of America XXXX XXXX XXXX account XXXX in the name of XXXX XXXX XXXX XXXX XXXX XXXX died over two years ago. This account continues to not be closed and paid to the beneficiaries. Numerous calls and emails to XXXX XXXX and others have gone unanswered. This account needs to be closed and paid out to the beneficiaries. I have called seven different numbers I was given today, yet nobody at Bank of America can help me. I please ask for your assistance! 

Thanks so much, 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 2018-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
My transunion credit score was XXXX on XX/XX/18. Three days later it dropped to XXXX and it did not pay anything late, in fact I had just paid 30 % payments on all my credit cards, My score should have gone u NOT down. 

My XXXX  score was XXXX. XX/XX/18 and dropped to XXXX on XXXX XXXX My. XXXX had dropped XXXX to XXXX on XX/XX/18

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 2020-10-26
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: Account status incorrect

Complaint:
I have filed several reports including contacting other regulators such as SEC, OIG, FBI, State ATTY 's etc.. to get fair reporting treatment in which has been denied, accounts show closed but have missed payments, accounts discharge show charged off, and also comments that are not valid, alerts that have no contractual reason to be there, third-party accounts that have no contract or obligation to contract with. this is all violation to FCRA I have disputed my whole record nothing is valid. I don't live at previous addresses, some have never lived reported on file. Only address should be on my report is XXXX XXXX XXXX XXXX XXXX, FL XXXX I certify that this address is correct an only address to be used for mailing purposes or domicile I have provided below insurance policy to assist in identity

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 2023-07-04
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: Information belongs to someone else

Complaint:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/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 2023-02-10
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX HAS A CHARGE ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME, THIS IS FRAUDULENT AND I WOULD LIKE THIS REMOVED FROM MY CREDIT REPORT AND ALL CREDIT BUREAUS THAT MAY BE REPORTING THIS ACCOUNT. 

IN ACCORDANCE WITH THE FAIR CREDIT ACT 15 U.S C. 1681 AND DEBT COLLECTION PRACTICES ACT 15 1692 XXXX & XXXX BANK HAS VIOLATED MY RIGHTS. 

I HAVE A RIGHT TO PRIVACY 15 U.S.C. SECTION 604 A SECTION 2 CONSUMER REPORTING AGENCIES CAN NOT FURNISH MY REPORT WITHOUT MY CONSENT AND 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