BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-15
Company: Experian Information Solutions Inc.
State: MO
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 already been decided that it is not mines. And I'm demanding that it be removed from my credit files. This fraudulent account has caused me great emotional damage and financial stress. Please remove this account immediately. 

# 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 2020-01-31
Company: DISCOVER BANK
State: KY
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:
XXXX XXXX 's response to Discover. Did letter of XX/XX/XXXX represent both disputes? One ''Dispute of Liability '' in XX/XX/XXXX in XXXX Circuit Court -Judge has not given decision yet. 2nd Dispute made by XXXX XXXX to Discover in Utah office concerning over 30 unauthorized charges on XXXX 's Discover account by XXXX XXXX Law Firm of XXXX XXXX, Fla. 
The balance charged off is not valid as Discover said. The balance should have been a negative balance in favor of XXXX. 30 unauthorized charges ( {$47000.00} plus ) need to be removed plus about the same # of overpayments in amount of over {$8000.00}. which results in negative balance ( over - {$55000.00} ) that Discover owes XXXX.

Sending copy of letter of response to Discover by XXXX   and copy of list of unauthorized charges to CFPB, Credit Bureaus. Hopefully, CFPB will require Discover to provide proof and evidence concerning his investigation of unauthorized charges as XXXX requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have a federal student loan being serviced by Navient and my account has been " disabled. '' It says to contact them for support but they don't have a support option for the time that I am able to contact them ( after XXXX PST ). I am unable to make a payment on my loan ( Which I already don't want to do ) and it is incredibly frustrating to be denied the ability to pay someone while being held responsible for paying them back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: AMERICAN EXPRESS COMPANY
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:
On XX/XX/2023, I sent an affidavit of truth to the following companies regarding reporting inaccurate information to my consumer file at XXXX, XXXX and XXXX. The first complaint was sent to XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX and American Express and XXXX XXXX XXXX. According to the tracking numbers that were provided in the affidavit of truth they received the information and the dispute and continue to report the errors to my credit file. The following financial institutions are continuing to violate the Fair Credit Reporting Act after I requested to exercise my right under 15 USC 1681 ( i ) ( a ) ( 2 ) ( B ) 2 Exclusions please see attached affidavit of truth. 

Also, under the Fair Credit Reporting Act and the Federal Trade Commission specifically the Gramm-Leach Billey Act 15 USC 6802 Obligations with respect to disclosures of personal information and my right to opt out from credit reporting was violated by these financial institutions. 

All five of these financial institutions knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties, which include XXXX, XXXX, and XXXX. They knowingly and willfully withheld information that explains how I the consumer can exercise the non-disclosure option. The following accounts are in violation of the Fair Credit Reporting Act 1. XXXX Acct # Card ending in XXXX XXXX. XXXX  XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX Acct # XXXX XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: CL Holdings LLC
State: MO
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 already been decided that it is not mines. And I'm demanding that it be removed from my credit files. This fraudulent account has caused me great emotional damage and financial stress. Please remove this account immediately. 

# 1. XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
back in summer of XXXX got behind because of wifes health owed two payments so they set me up on repayment plan that added XXXX more dollars for six months well i paid three payments then another medical problem couldnt pay so they put me behind two payments sent me letters of forclosure so i contacted them so they set me up on another six month plan raised my payment XXXX, XXXX again piad four payments had brother dieing in texas call the bank told them would make payment on XXXX paid payment they sent me statment saying i was two months behind both times i dont know where extra money went so i ask them but no reply so i barrowed money to catch up sent them XXXX to catch up so when i pulled it up on line showed i paid XXXX XXXX XXXX XXXX XXXX so i called them they said dont worry it was applied my payment was XXXX amonth so i got statement for XX/XX/XXXX.00 cant afford that dont want to loose my home iam a XXXX vetran need help they also charge me XXXX for mortgage protection i ask what was that was incase i die before mortgage is paid off i asked if that paud off mortgage they said no so im just giving them an extra XXXXamonth for nothing so i would like help if possible respectfully sumitted XXXX XXXX .00

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: Circle Internet Financial
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have been using the Circle 's cryptocurrency exchange Poloniex since 2016. 
On XX/XX/XXXX of this year, when logging into my account, I noticed a message saying my account was frozen and I am unable to trade or withdraw any of the assets I have on this account since then. 
I immediately contacted their support team to inform them. 2 months later and after sending them many emails, the reply from support was that my account was under review and that I should just wait. 
The problem is that they are not making any progress after sending them many more messages and asking for more details, they just keep telling me the same thing, that my account is still under review ( now 4 months after informing them ). 

The account holds assets currently worth over XXXX XXXX XXXX dollars. 
Not being able to trade or withdraw these assets is obviously a big problem. 

The fact that they could just freeze my account without even bothering to notify me and give me some kind of explanation was shocking to me and I don't understand why it seems like they are not working on clearing this issue. They say they are working on it but I can't imagine that reviewing an account would take so long.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: ProCollect, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is claiming I owe a debt to them in the amounts of {$500.00} & XXXX, but I have never done any business with them. I have written letters to the company asking for verification of any information bearing my signature that states I owe them. They have yet to provide me this information.

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 2019-07-15
Company: Franklin Collection Service, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never dealt with this company claiming I owe a debt to them of {$460.00} and {$86.00}. I have written letters to the company asking for verification of any information bearing my signature that states I owe their company. They have yet to provide me this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06
Company: Coastal Financial Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Received a call from XXXX. XXXX XXXX claimed he was coastal financial legal department. Stated he had me on camera in a store and that charges are being brought against me for defrauding said company. He 's called me, my mom, dad, grandma, brother, sister in law and cousins. Seriously?!?! Is this legal??

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 Account XXXX, Acct # XXXX amount XXXX XXXX/XXXX/2013

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 2019-07-15
Company: Patenaude & Felix A Professional Corporation
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My problem is with National Collegiate Trusts. I have been sued in California Courts over an alleged debt. My understanding is that in the case that CFPB brought againt them, they agreed not to sue until these debts have been audited. Is this agreement still in force? If it is, are they vilating this agreement by suing me? Lastly, how can I become a member of this class?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I received a copy of a credit report from Transunion in XX/XX/2018. I noticed several inaccurate/unknown accounts and inquires that did not belong to me. I quickly contacted Transunion via USPS and I must say, I have been drug around and in the dirt over the past six months. I wrote and listed all the fraudulent information, sent it via USPS and every time Transunion responds back with a letter saying these are VERIFIED. How that is possible is beyond me, I am XXXX XXXX and a number of these accounts and inquires were when I was away. To simply put it, I am a victim of fraud and Transunion does not care. After several Attempts to get Transunion to please adjust, correct and delete the fraudulent accounts, I have now filed Identity theft with the FTC. I have also reported Transunions ill taste in serving the consumer. I truly hope they take this serious, as I am ready to use any and all outlets possible to get the fraudulent accounts and inquires removed. This absurd situation has hinder me from my personal life to my work life.

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 2020-05-09
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
While checking my personal credit report, which I acquired fromXXXX, Equifax. I noticed an unauthorized inquiry made by your company XXXX XXXX XXXX on XX/XX/2018 and XX/XX/2018. I did not recognize or authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Hello, I paid the remaining balance of my rent in the amount of XXXX like I do every month using my Capital One 360 checking account. But for some reason on today XX/XX/XXXX the balance was reversed without my permission making it as if I did not pay my rent leaving me in a very bad situation with my landlord. I contacted Capital One and they provided no reason as to why the payment was reversed other than a XXXX XXXX who works for Capital One did it. I need a very good explanation as to why this money was reversed and now I am having to pay again my rent which was already paid and having to explain to my landlord why my payment was reversed without my knowledge or my consent. I also need a letter stating that Capital One reversed this payment without my knowledge or my consent so I can do my best to avoid any late fees and eviction since I am going to have to pay more money due to Capital One error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Starting XX/XX/2017 I applied for a forbearance of my mortgage loan. Throught the 90 day period I paid my required amount to loan care. During this time, loancare tried to charge me a $XXXX professing charge. This item was not stipulated in the agreement. Loancare locked out my online access therefore I could not make payment online. Through out the 90 day period the fee was waived. After 90 days, I agreed to a payment plan and the counselor adviced the XXXX$ fee will not be charged. Everytime i tried to make a payment fon the phone, because the phone is the only way to make the payment due to the fact I do not have access to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
unauthorized use of my 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 explanation
Consumer complaint received 2021-08-18
Company: Midwestern Health Management INC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I originally started disputing with this company on XX/XX/XXXX and it has been over 180 days since my first dispute and i have yet to receive any information that validates the alleged debt owed from the debt collector Northwest Financial Services. The debts date back to XXXX and i just now discovered them on my credit report. They sent me a letter on XX/XX/XXXX 90 days after my first dispute. i also did a XXXX complaint and then they finally responded with the attached letter saying that the debt is mine but they haven't validated any of the accounts. They have violated my rights to privacy, and They are still showing this alleged debt on my credit report, and causing me anxiety and stress.They don't seem to be taking me serious so i may have to envolk my rights to litigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: EQUIFAX, INC.
State: TN
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 statute of time on debt collections is 7 years. The statute of time on debt collections in Tennessee is 6 years. There is an account on my credit report that has been reporting since XX/XX/2011. I have sent in multiple requests to have this account validated and I have received no response, it is past the time of debt validation and must be deleted from my XXXX, Equifax, and XXXX  credit reports. Please delete immediately. 

The Account : XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Specialized Loan Servicing Holdings LLC
State: TN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Specialized Loan Servicing Crooks ... .. My husband passed away in XX/XX/XXXX. I found out loan was in default and paid it current for 16 months at XXXX a month. I have tried to contact them to no avale ... the loan is his only. I am not on it, couldnt talk to me no authorization. All mail went to PO Box I had no access to. I sent letter to modify so I could afford and keep house. I quit paying when could get no information. The title has been in both names from XX/XX/XXXX. He was able to refinance over and over when his business was failing and could not have qualified if verified. He has leins on property ... please help 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 2018-06-08
Company: National Check Resolution Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
National Check Resolution Inc. contacted me by phone last year in XX/XX/XXXX and told me I owe money from an account from a loan or credit card company and I told them I will send {$250.00} on XX/XX/XXXX and {$150.00} for 11 months and then {$21.00} for the last payment. When they contacted me I panicked and agreed to it without getting this debt validated. So far I paid over {$800.00} and when I started researching credit articles I saw that if I was unsure that I can request verification and validation of the debt that is being collected. On XX/XX/XXXX I contacted the credit bureaus and ask for them to verify the debt however this company was listed on my credit reports. On XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX I've asked National Check Resolution to validate the debt and so far they have failed to do so. I also phoned them today and asked them to take {$220.00} to leave me alone and stop deducting money out of my checking account. I spoke with XXXX who said he would ruin my credit and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I was a SIMPLE by XXXX customer and during the transition I now can not access my bank account, get hung up on by customer service. I cant transfer money either or see how much money I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: SYNCHRONY FINANCIAL
State: FL
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:
XXXX XXXX XXXX repeatedly calls me and leaves messages at all hours of the day. I have asked them to stop calling as I am disputing the debt amount but they continue to call. Their representatives are very rude and angry and condescending when speaking to them. This debt should not even be in collection and that is not the proper amount so their continued calls are unwarranted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I was at the grocery store when my card was declined. I called customer service and was told that my account was permanently suspended and I was immediately hung up on.The Amex XXXX and Customer service line have been of no help and I still have money in there I need to pay rent food medication etc. 

Prepaid card name is Bluebird This happened XXXX XX/XX/2021 I have a balance of {$490.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Chase Account # XXXX XXXX XXXX XXXX for {$35000.00} are the sole responsibility of XXXX XXXX XXXX, DOB=XX/XX/XXXX, SSN=XX/XX/XXXX; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.

Company response to consumer: Closed with explanation