BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-26
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:
The XXXX XXXX XXXX applied for several loans on my behalf and simply had me sign my life away. 
I have complained that many of these loans being reported on my credit report are duplicates and need to have this corrected. 
My student loan balance went from $ XXXX to $ XXXX I need assistance in investigating this as I believe that the XXXX XXXX XXXX fraudulently processed loans on my behalf.

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 2018-01-11
Company: Navient Solutions, LLC.
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: Old information reappears or never goes away

Complaint:
The account/student loan has been on my credit report for more than 10 years and it still on there, how do I get it removed from all 3 credit company ( XXXX, XXXX and XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: EQUIFAX, INC.
State: WA
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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX was ( XXXX XXXX XXXX XXXX ) balance of {$89.00}. I called XXXX XXXX XXXX XXXXXXXX they said they dont use XXXX XXXX they use XX/XX/XXXX. The debt was paid in full thru XXXX XXXX on XX/XX/20. I am requesting this to be removed from my credit immidiately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: SUN WEST MORTGAGE COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Date XX/XX/XXXX RE : Providing debtor with false information and theft of debtors money. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Account Number Dear Sir or Ma'am : On XX/XX/XXXX, I sent you a letter disputing the debt and requested that you validate the amount owed in accord with the Fair Debt Collections Practices Act and the Rosenthal Fair Debt Collections Act. 

Your response letter dated XX/XX/XXXX ( attached ) failed to validate the debt. You claim I owe {$2700.00}, yet your own records fail to prove that. Reporting a false amount is a violation of 15 USC 1692e ( 807 ) ( 2 ) ( A ), The false representation of, the character, amount or legal status of any debt. 

For a detailed report go to XXXX On XX/XX/XXXX, you received another money order from me in the amount of {$300.00}, yet you listed it in my account as {$3.00} dollars. Another clear and unmistakable violation of 15 USC 1692e et seq. You are stealing my money. 

For a detailed report go to XXXX I herein continue my dispute of the reported amount I allegedly owe and request you properly validate the debt by furnishing me with all relevant and required documentation. 

Based on your owe records I owe {$1800.00} less any minor fees, which will be mailed out to you by priority mail. All monies received from me by XXXX XXXX has been in the form of certified funds ; Specifically ; United States Postal Money Orders Based on your own records ( attached ), you are attempting to collect additional monies that are not authorized by the agreement that created the debt. 

Specifically ; {$940.00} Per your own records ; 1. XX/XX/XXXX, was paid in full on XX/XX/XXXX. 

2. On XX/XX/XXXX, you show a disbursement of {$840.00} and {$150.00} respectively, That was the {$1000.00} you received from the creditor, Sun West wherein I had mistakenly sent it to them. The {$100.00} listed on the account was also forwarded by Sun West to you. I have emails from Sun West confirming this. 

On XX/XX/XXXX you received a payment from me in the amount of {$400.00} and another payment from me in the amount of {$300.00} on XX/XX/XXXX, despite your attempt to show it as only {$3.00} dollars. 

$ 1000+ $ 100+ $ 400+ {$300.00} = {$1800.00} As my XX/XX/XXXX payment was for {$1200.00} the XX/XX/XXXX payment was paid leaving a balance of {$580.00} to be applied toward XX/XX/XXXX payment. 

That leaves {$640.00} owed for XX/XX/XXXX. 

Which means, to clear out XX/XX/XXXX and XX/XX/XXXX payments, I need to send you {$1800.00} less any minor fees. 

The above referenced amount due ( {$1800.00} ) less any minor fees was mail to you via priority mail on Friday XX/XX/XXXX. You should get it by Monday the XX/XX/XXXX, so  no penalty can be attached to XX/XX/XXXX 's payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: Experian Information Solutions Inc.
State: PR
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:
I have incorrect information shoeing a car repossed and late payments on my mortgage which i have never been also it shows late payments on a joint account i never agreed to its all errorz. They refuse to eliminate my incorrect negative accounts all 3 credit bureaus for last 10 years. I wish i would had known about this website. XXXX bless

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 2018-01-11
Company: EQUIFAX, INC.
State: PR
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:
I have incorrect information shoeing a car repossed and late payments on my mortgage which i have never been also it shows late payments on a joint account i never agreed to its all errorz. They refuse to eliminate my incorrect negative accounts all 3 credit bureaus for last 10 years. I wish i would had known about this website. XXXX bless

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Chime Financial Inc
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chime Closed My Account XXXX XXXX, 2021 due to too much funds in my account / unemployment money. I been contacting them to returning my funds since XX/XX/XXXX. Everytime I call chime customer service hangs up on me. I trying to get my {$2700.00} back. I have been sending them the information chime needed to return my funds and they still have not returned my funds. Today is XX/XX/XXXX ,2021 and I still do not have my money. Im late on bills because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: Coinbase, Inc.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XXXX XXXX, I transferred {$4900.00} in BTC ( bitcoin ) from my secure wallet to my Coinbase Account. This transaction is still pending 9 days later and Coin Base will not reply to any support tickets I create concerning this problem. Additionally, when I click view transaction on Coin Base 's website, there is a message saying that the transaction hash can not be found. 

I would like a member of the Coin Base support staff to either correct this issue or contact me in order to have it corrected. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: JPMORGAN CHASE & CO.
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: Old information reappears or never goes away

Complaint:
I have done everything in my power to have these accounts removed. These derogatory accounts have been paid and settle properly upon the settling terms. The accounts initially went negative due to the effects of Hurricane Harvey. I still did my part and paid as promised. The companies are refusing to remove the account from my report. The accounts are old and need to be removed so I can move on with my life and continue to prosper and finish my revery process. 

JPMCB, Chase has stated that they do not remove accounts from the credit report at all which I know is not true. The account was opened on XX/XX/XXXX and closed and paid XX/XX/XXXX. 

XXXX XXXX  has not responded to none of my letters or inquiries. The account was opened XX/XX/XXXX and closed and paid as agreed upon XX/XX/XXXX. 

I have done my part I need these accounts removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: EdFinancial Services
State: MO
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I pulled a copy of my credit report and noticed that Ed Financial is reporting that I have 60 late payments with them in which I disputed this with the credit bureaus and received information stating that what 's reporting was accurate. So I send in my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part ; DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating their immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: CITIBANK, N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Received numerous telephone calls from Citibank late in XXXX stating that my account was " past due ''. When I finally reached a person there that I could understand, XXXX, on XXXX XXXX, 2017 she explained that my most recent payment was {$4.00} short of the minimum payment. I checked my records and agreed. I made an immediate payment for {$4.00} ( confirmation number given as XXXX ) and she advised it was received. She also stated that a {$39.00} late fee would be waived and {$60.00} in interest would be removed. ( Citibank had apparently changed my interest rate from 12.15 % to 28.24 % because of the {$4.00} error ) XXXX also confirmed that my interest rate would revert to 12.15 %. She advised that I would owe a XXXX minimum payment of {$88.00}. I made a XXXX payment of {$100.00}. I thought everything had been taken care of. I was wrong. The phone calls have started again claiming that I owe some huge past due balance. Help!

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 monetary relief
Consumer complaint received 2019-07-27
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
Company: Asset Management Outsourcing, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt amount from Nationwide Recovery Services in the amount of & XXXX was paid in full on XX/XX/2019 and was said to be cleared off credit by XX/XX/2019 but is still listed as a derogatory mark on my credit as of XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I started receiving phone calls from a company where the rep identified herself as XXXX XXXX. She asked for my personal info and I told her I wasnt comfortable with that and she got abusive then hung up. Since the I kept getting phone calls asking for the same info, until I finally got a letter and initiated contact. 

At that point I advised the rep I wasnt aware of the debt and needed it validated after over an hour telling me I must pay it and wanted my employer info and threatened my credit and job. 

On XXXX XXXX I sent registered letters to both locations that had been calling me requesting validation in the mail and no further phone contact. USPS tracking # XXXX shows this was delivered within a week. I still continued receiving phone calls, despite my request not to. 

Finally I received a letter dated XX/XX/XXXX acknowledging receipt of my letter and sending me a typed up page showing creditor and amount owed, not a validation. The calls also continued. During this timeframe they also reported me tonyhe credut bureaus. 

I then sent letters to the credit bureaus disputing this debt after proof of the debt wasnt furnished. To date XXXX is insisting the debt is valid and I affect heard back from the other 2 agencies. 

Today, XX/XX/XXXX, I received a threatening letter that now they will be forced to take the action that the creditor is insisting they take. 

The collections agency is XXXX XXXX for XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
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:
This is my Third attempt to rectify this error on my credit report on or around XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2019. A dispute was sent via mailed regarding these items listed below yet these accounts remain as valid, this must be an error within your organization, as these items should not be on my credit profile. your organization said that it was verified these 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 2019-07-27
Company: Holloway Credit Solutions
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this medical bill three times and Ive called as well and sent the LOP to the collection agency and the Hospital. The hospital contacted the collection agency to make them pull from my credit report and they did from all three but then reported to XXXX putting it back on my report! I called the collection and hospital today XX/XX/2019 and the rude lady at the collection agency hung up on me! I then called the hospital and left voicemail letting them know that Holloway Credit Solutions put the medical collection back on my XXXX knowing I sent them Letter of Protection from my lawyer and they received it! The hospital has LOP as well now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My name is XXXX XXXX last four of my SSN are XXXX. Date of birth is XXXX/XXXX/XXXX Address is XXXX XXXX XXXX XXXX tx XXXX. I have requested verification and validation of debt per my right under the FDCPA section 809 ( a ) and ( b ). This company refuses to provide and continues to report a disputed debt on my credit report which is a direct violation of the FCRA. They are also no bonded to collect my state. I will be consulting with an attorney to seek actual and statutory damages against this company for violating my rights. I demanded proof that this debt is mine. This is for both accounts you have on my cbr

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
To whom it may concern, The problem I currently face is one that has affecedt every aspect of my life. I have been dealing with this issue for the last 5 years. It started when I signed up for the federal student aid loan program because with out it, I would not have been able to pay for my education. Not only was the fact the the loan would continue to compile interest after making timely payments not disclosed to me, in addition every fee that sallie mae could come up with amassed a debt amount that I am ultimately not able to afford. My debt to income ratio exceeds 75 % which caused me to max out my credit cards because I literally could not afford anything and once my credit cards where maxed, I also lost my apartment as well leaving me with an eviction on my record. Having something like this on your credit pretty much disqualifies you from everything. The student loan program has done nothing but cause stress and ruin my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
Company: Messerli & Kramer P.A.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was served papers by messerli and Kramer law firm for an old XXXX debt totaling {$3000.00}. I called and we agreed on a settlement amount, that would be paid soon as I received the settlement offer. The rep/attorney said she wouldnt move forward with the lawsuit for 2 weeks to give time for the letter to get to me. I never received it, so I called again and the attorney emailed it to me. I paid the settlement amount as agreed. Today I received a letter saying they are dismissing without prejudice and said Im carrying a balance of {$540.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
Company: EQUIFAX, INC.
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:
I did not give these people permission to ran my credit. Ive asked them to remove them and they are still on my credit. What can I do? 
Hard Inquiries XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies   XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Automobile Dealers, Old ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX  Inquiry : XX/XX/XXXX Mail Order Firms Contact the inquirer : MAIL ONLY XXXX  XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks XXXX/XXXX  Inquiry : XX/XX/XXXX Bankcard XXXX/XXXX  Inquiry : XX/XX/XXXX All Banks ( XXXX ) XXXX XXXXXX/XX/XXXX Inquiry : XXXX. XXXX, XXXX National Credit Card Cos. 
XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks Contact the inquirer : MAIL ONLY XXXX XXXX  Inquiry : XX/XX/XXXX National Credit Card Cos. 
Contact the inquirer : MAIL ONLY XXXX   Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX AUTO FINANCE Inquiry : XX/XX/XXXX All Banks ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX  XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX   Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX All Banks ( XXXX ) XXXX XXXX  Inquiry : XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX Inquiry : XX/XX/XXXX Credit Union ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX/XXXX Inquiry : XXXXXX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXXXX/XX/XXXX Finance/Personal ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XXXX. XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX   XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX  XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance/Personal ( XXXX ) XXXX XXXX/XXXX  XXXX  XXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance/Personal ( XXXX ) XXXX XXXX RENT   Inquiry : XX/XX/XXXX Real Estate and Public Accommodations ( XXXX ) XXXX Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
Company: Collection Bureau of Fort Walton Beach, Inc
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/2019, I received a notice from XXXX that I had a negative account added to my reports. Upon reviewing my reports I noticed a {$120.00} collection from XXXX XXXX XXXX severely dropping my score. I never received any type of communication about this alleged debt. I decided to send the collection agency a dispute letter requesting debt validation. I got a response from Collection Bureau of Ft Walton Beach requesting that I send in a medical release form, and that if I don't they will see any future communications from me as " irrelevant and frivolous. '' The debt is not mine I have never heard of neither the collection bureau or the original creditor nor have I've never heard of sending release forms and affadavits to a collection agency to get validation. They are bound by law to either validate this debt or cease reporting/collecting and have it removed from my reports. I take my credit and identity very seriously.

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