BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit score has been consistently fluctuating by large numbers ( up to XXXX points at a time ) since XXXX of 2020. My Transunion report states that my Federal Student Loan balance ( Serviced by XXXX XXXX XXXX has increased by upwards of {$2500.00} and the following month decreased by the same amount which shouldn't happen due to the fact that my student loan payment comes out of my payroll and is matched by my employer. Transunion has decreased my score by XXXX - XXXX points everytime XXXX has reported my balance increasing ( which is inaccurate because my balance hasn't increased and i've never had a late payment ) but when XXXX reports my balance decreasing, the points are not given back. My credit score SHOULD NOT BE FLUCTUATING due to my student loans. I have contacted both Transunion and XXXX. 

Transunion - When i contacted the company, i received THE WORST CUSTOMER SERVICE i have EVER experienced. That is saying a lot, considering i have been employed in customer service and loan servicing industry my entire adult life. Not only was the agent rude and combative, but he then explained that there was absolutely nothing he could do for me. When i asked to speak to his supervisor, i was placed on hold for 5 HOURS! Unbelievable! Unacceptable! 

XXXX - The customer service agent was very nice and helpful but i was told that there seems to be nothing wrong with my account and he didnt understand why i was being negatively reported. 

This situation is in direct violation of UDAPP and FCRA guidelines. I have been dealing with this issue for 8 months and, quite frankly, i don't understand where the issue lies. I need this issue to be resolved as it is adversely affecting my ability to live in today 's society as a single individual. 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 2018-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have disputed my credit report numerous times. There is a bankruptcy reported on my Transunion report. This is inaccurate. XXXX has deleted the inaccurate report. I will provide proof that the credit bureau Transunion and XXXX XXXX are reporting inaccurate 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 2021-08-05
Company: EQUIFAX, INC.
State: NV
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 am requesting the removal of inaccurate credit information from my XXXX  and Equifax credit bureau. 

XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX I have reached out to both before and get the generic answer that they are looking into it or unable to find that I have a Equifax Credit bureau. I reviewed a copy of my credit profile for both credit bureaus and confirm that there are inaccurate inquiries that are reporting on the credit bureau. I have never consented for my credit to be pulled and need for you as the reporting company to provide me with proof I consented to having my credit accessed. IF you are not able to provide me with that proof I need these removed immediately from my Equifax and XXXX XXXX Credit profile. 


XXXX  : XXXX XXXX Inquiry from XX/XX/XXXX EquifaXXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Informative Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Equifax Mtg Inquiry from XX/XX/XXXX XXXX  XXXX XXXX  from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Equifax : XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX By the provisions of the Fair Credit Reporting Act. I demand that these items be investigated and removed from my report. It is my understanding that you will investigate these inquires with the creditors who have posted them. Please remove any information that the creditor can not verify. I understand that under the 15. U.S.C Sec 168i ( a ) you must complete the investigation within 30 days of receipt of this letter and provide me with the requested information. I am also asking for you to remove all fraud alerts that you have on my XXXX  and Equifax. I have never authorized or gave permission for these alerts to be placed and want them removed immediately. I have attached my drivers license for you not to send me a letter lying and telling me you are not able to verify me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: Circle Internet Financial
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Poloniex.com seems to be one of the major cryptocurrency exchanges around the world. 

Please check their statement https : XXXX because of their judgemental mistake they are taking 16 % principal of the balance of each btc customer XXXX The supposed reason is that clam market crashed ( clam is another cryptocurrency ). 

Lending btc in the mind of the customers is about lending btc and not about lending any other smaller coin. Nowhere on their site they are mentioning that btc can be used as a margin for any other coin. 

Moreover, it seems that lenders are the easy taget and they are not taking their losses from them, not from their profits nor from the margin accounts. 

Finally their main page they are claiming that the have insurance for such cases. 

IN my case they pirate/stole/got away from my balance XXXX btc which is right now a little above {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened onXX/XX/XXXX

3. XXXX  XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

4. XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

5. XXXX/XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened onXX/XX/XXXX.

6. XXXX  XXXX  XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

7. XXXX  XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

8. U S DEPT OF ED/XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on 2/1/2010.

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  XXXX  XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX  XXXX  - XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 8. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXon XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX  XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
this is not about repeated phone calls but since there is no field to select that fits my complaint i had to choose one of them randomly.

My complaint is about Bank of America not giving me a hardship program when my other credit cards did. How do 8 of my other credit cards give me a hardship program and see it fit but bank of america doesn't?

When i call bank of America, they tell me only credit counseling is available because i have outside debt. ( which bothers me cause i told them they were all already closed and enrolled into hardship programs but Bank of America doesn't acknowledge that and skips right over it. Mainly because i believe they don't want to help me.

PLEASE HELP ME!!! i am behind on the Bank of America debt and cant afford to pay the minimum payments.

AGAIN - if my other card companies saw it fit to help me then Bank of America should also. 


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 non-monetary relief
Consumer complaint received 2021-09-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I made deposit at an ATM of a Chase branch at XXXX XXXX XXXX, XXXX, CA. After I put the money in, the machine was out of order and gave me a receipt saying to be sure your deposit went through, call at XXXX. I called right after and was told they needed a few days to investigate the amount of money in question. After several phone calls, they gave me a provisional credit of {$6200.00} and was told the investigation was over. I mode deposits in increments of XXXX dollar bills and put in {$7100.00} in total in my deposit. I followed up with another call a week later and JP Morgan Chase refused to do any further investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
Company: JPMORGAN CHASE & CO.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Chase Bank violated 18 U.S.C.A. s 1341, UNITED STATES CODE TITLE 18. CRIMES AND CRIMINAL PROCEDURE PART I-CRIMES, CHAPTER 63-MAIL FRAUD, SECTION 1341. Frauds and swindles,. 

i. Banks knowing and willful violation of contract by charging excessive alleged late fees ; some instances they charged over {$200.00} when the contract clearly states {$25.00} is the maximum ( if proven late ). 
ii. Bank adding the same fictitious late dates iii. Bank violating agreed interest rates iv. Banks violation of Fair Credit Reporting Act due to the banks violation of i-iii How is an item both PAID IN FULL and a CHARGED OFF? We paid the item in full. 

Paid, or paid in full, is the term applied to installment accounts, like car loans, when after the last payment is made and you have completed repayment of the loan as agreed. In both cases, the terms indicate a final status, meaning the account is no longer active and can not be used again. 
An auto loan charge-off represents an amount that the bank or other lender assesses as an outstanding debt from someone who has bought a car, truck or other vehicle on credit. Banks find the charge off amount by taking back the vehicle, reselling it, and sending the resulting amount, minus the sale price of the vehicle, to collection agencies for further attempts at collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: Cedars Business Services, LLC
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I received out of the blue a letter from a collection agency indicating that I owed {$380.00} for a traffic violation incurred at an unspecified date and location ( somewhere in XXXX ), with an unspecified car from an unspecified car rental company. Supposedly I would have received numerous letters from an unspecified Italian municipality which I would have ignored. This is an attempt to extort money unjustifiably. No evidence was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Key 2 Recovery, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Key 2 Recovery has been calling me to collect a debt on behalf of XXXX XXXX   University, a college that I did not attend and that I owe no money to. I have explained this to the collection agency and was told repeatedly that they would get XXXX to send a validation letter, but in many months, this has never happened. The collection agency continues to call at a harassing frequency and claims that our past conversations haven't taken place. 

On XX/XX/20 I called and spoke with XXXX XXXX about not receiving the validation letters I've requested many times and she said her records showed that " we talked about it '' but that I never told her for certain to go ahead and request a validation from XXXX. This was one of many conversations about this exact issue that we have had with one another repeatedly. Such deceptive record-keeping seems to be responsible for the many unanswered disputes and continued collection activity for charges I have never made. 

I need help making sure that this company, Key 2 Recovery, releases me from this invalid debt. Despite my efforts, their communications with me have been wholly dishonest, and I am afraid this will continue for years without any intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
AARGON COLLECTION AGENCY ( XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$220.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2018-09-03
Company: TD BANK US HOLDING COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX XXXX via TD Bank does not allow payments other than the minimum amount through their automated payment system. This forces anyone who only pays through this system to pay interest at the end of a promotional 0 % interest rate since charges for device protection are added to the account balance each month. I spoke with a representative who informed me that " the system is set up to only allow the minimum due to be paid automatically. '' I believe this practice is unfair, at best, since many do not have access to free bill pay and predatory at worst - the minimum amount is the amount that would pay off the balance in time when other charges aren't added.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Last year I found out that I had a lot of information on my credit bureaus that wasnt mine such as collection accounts, inquiries and personal information. I found out that my information was mixed was mixed up with a different name than mine with addresses that I never lived at in Alaska, phone numbers that werent mine and several inquiries that werent mine and collection accounts. I have had most of the info removed off my XXXX report, I disputed with XXXX and they removed some personal info but not all of it, they didnt remove fraudulent accounts and or inquiries after the supervisor said they would if I added a fraud report to my bureau. I cant get online to redisoute with XXXX, it keeps saying the information Im entering to verify myself doesnt match their records thats because they might have some of the wrong info. Transunion Im having problems with the inquiries and again its impossibke to get ahold of any live representatives and or online with them. These issues have caused my scores to drop over 130 points in the past year.

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: AZ
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 XXXX of XXXX, XXXX of XXXX, and XXXX of XXXX I contacted the credit bureaus to dispute all non-account holding inquiries from my reports. The Credit bureaus never responded or corrected these issues. Innacurate inquiries are being reported on my credit reports and is disrupting my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: KS
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:
Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.

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 2018-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 unlocked my credit files and obtained copies of my credit report from all three reporting agencies/bureaus and noticed that there is derogatory debt in the amount of {$770.00} reported by XXXX XXXX XXXX, supposedly collecting debt for XXXX XXXX, XXXX. I XXXX both and discovered that XXXX XXXX offer online pay day loans, which are ILLEGAL in the State of Georgia and are not offered here. My employer, XXXX XXXX XXXX XXXX XXXX had a major data breach in XX/XX/XXXX. They offered employees and family members credit protections for three years and my credit reports have been locked/frozen since then. This debt has an open date of XX/XX/XXXX, which shouldn't/could n't have occurred as my accounts were locked/frozen. XXXX also had a breach in XX/XX/XXXX but my credit files were already being monitored/locked/frozen. I have NEVER applied for a loan in Georgia or in any state or gone online or into any brick and mortar office to apply for a loan with these creditors. I have NEVER received any correspondence from either creditor and this debt is not valid as it was supposedly incurred during the time when all three of my credit reports were locked/frozen.

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: 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:
Navient private student loan department has been harassing my employer and myself for the past 3 days. They started calling my job on XX/XX/XXXX. They continued to call on the XX/XX/XXXX and XX/XX/XXXX. I have now been put in a position to lose my job because of the interruptions and harassment they are causing.

Company response to consumer: Closed with explanation