BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-17
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I pulled my credit report and found a number of hard inquiries that I do not recognized. I called the companies as well as file a fraud account as well as freeze my account to avoid future inquiries.

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 2022-07-13
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: Personal information incorrect

Complaint:
I have recently reviewed my consumer report and there was several inaccurate information listed as personal information that does not belong to me such as spelling of names, unrecognizable addresses and phone numbers. I sent a communication on XX/XX/22 to Experian with written instructions Pursuant to 15 U. S. Code 1681a ( d ) ( 1 ) to have it removed. The names are XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX. The addresses are XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. DO NOT CALL XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX. The Phone numbers are XXXX. XXXX XXXX. XXXX. This inaccurate information is still on my consumer report after allowing 30 days to have this issue resolved.

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 2021-04-21
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: Credit inquiries on your report that you don't recognize

Complaint:
There are XXXX inquiries on my credit report that does not belong to me they are : XXXX XXXX XXXX - Inquiry date : XX/XX/2020 XXXX Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/2020 XXXX - Inquiry date : XX/XX/202XXXX XXXX - Inquiry date : XXXX XXXX, 2020 XXXX XXXX - Inquiry date : XX/XX/2020 These are inquiries I have not done I dont know what they are for I have no cards or accounts like this!!

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 2022-03-18
Company: CITIBANK, N.A.
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: Other problem

Complaint:
Citibank just arbitrarily reduced my balance to zero, despite having not even used the one card and never being in default. 

Never missed any payments. I also paid down large amounts on balance over several weeks. 

Had I know you would do that I would never had made those payments. 

Now I'm out of cash. This will also negative impact on my score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Chase sent my property and school tax payments to the wrong address and collection office resulting in my taxes being delinquent. I had spoken to XXXX XXXX in their executive office at XXXX. She advised it would be taken care of and I received a letter from Chase stating the payment was sent. However I received a letter on XXXX from my local tax bureau sending my delinquent payment to collections stating they havent received it yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
Capital one charged off an account violating 15 USC 1681 s-2, 18 USC 894 , 18 U.S.C 1028A , Gramm-Leach-Bliley Act

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: Receivables Management Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX/XXXX/15 I requested validation of debt from Financial Control. As of XXXX/XXXX/15 I have not received any response. Furthermore, accounts appear to be duplicated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. 
Failure to do so is a violation of my rights.

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 2022-03-17
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/2022 I recieved a security alert with Experian about a recent credit application with XXXX. I have no idea who they are or why they pulled my credit for an account. I called and spoke with several individuals who will not pass me over to a manager because they couldn't speak. I was on the phone for over an hour getting the run around and asking me they could not help me because i did not have my account number or card number to identify my account/I had already told them I have not applied for any accounts with this bank-He said no one can help me and for me to go straight into a bank -these people who are working for this company lack customer service and urgency ridiculous

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 2016-05-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
RE : Equifax Temporary Freeze Lift Service tool free # XXXX ; automated not user friendly and telephone prompts malfunction. I was not prompted to provided my XXXX digit PIN Number by telephone and online Equifax service. On Tuesday, XXXX XXXX, 2016 I made five separate attempts to access the Temporary Freeze Lift from XXXX XXXX, 2016 to XXXX XXXX, 2016 to no avail. This morning XXXX XXXX, 2016 around XXXX, I telephone Equifax at XXXX and spoke with a live Customer Representative named XXXX . XXXX was instrumental in assisting me with the following : 1. Free Annual 2016 Credit Report ; 2. Educated me on the how long certain information remains on my credit history and provided me with a tool free number to speak with a customer representative that could temporary lift my credit freeze. XXXX was most professional, informative and very polite. The toll free number I telephone was XXXX, I spoke with customer representative " XXXX '' I repeated the above request mentioned and was told that she could assist me but I would have to pay a {$3.00} fee because I was speaking with a live rep. I explained to XXXX that Equifax system is programmed NOT to allow me to temporary lift a freeze online as well as thru Its automated system. XXXX told me she would assist me and asked for my credit card information. Due to nature of which I need the temporary lift, I gave XXXX this information. XXXX processed my credit card and charged me {$3.00} then told me that due to the fact that she 's located in the XXXX XXXX, it would take approximately 2 weeks before my request would be processed. I asked XXXX if I could speak with an American XXXX in the city and state of XXXX, GA and she told me no. The dates I need the lift is XX/XX/XXXX to XX/XX/XXXX. XXXX waited until she got my credit card information and processed my card before she told me that the dates I need wo n't happen. This is not good customer service and I request the following : 1. That Equifax reinstate me to use the automated temporary freeze lift and not have to give my confidential information to to foreigners outside the United States. 
2. Mail me a confirmation to : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX # XXXX, XXXX, GA XXXX and that it has included me in the automated phone listing so I can once again access my own temporary freeze lift and not be sent outside the U.S. which is a major red flag in dealing with my personal confidential information. 
3. Allow me the opportunity to also conduct the temporary freeze lift online because It has also blocked me from doing it that way. 
3. Refund me my {$3.00} back to my card account because this is not my fault. 
4. Please reply back to me within five ( 5 ) business work days regarding my complaint issue. 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX and TransUnion has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of these accounts listed below. I believe it was reporting in error. 
XXXX XXXX Balance : {$34000.00} XXXX XXXX Balance : {$0.00}

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 2020-03-10
Company: EQUIFAX, 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'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORTED ON XX/XX/XXXX AND XX/XX/XXXX ON MY XXXX  XXXX ACCOUNT. PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER BECAUSE I'VE NEVER MADE A LATE PAYMENT TOWARDS THIS ACCOUNT. PLEASE ADJUST THE LATES ACCORDINGLY AND UPDATE MY REPORT. THANK YOU!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I sent {$500.00} via bank wire transfer to Coinbase Inc without my reference number. The money will not know to go to my personal account and Coinbase claims to be backed up and arent prioritizing refunds at the moment. I would like my refund ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: DISCOVER BANK
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
In XXXX XXXX I reached out to Discover Student Loan asking for help repaying my student loan debt. Each time the response was the same, they can defer my payments for 3 months, which only temporary helps and causes my monthly payment to increase after the 3 months defer is over. I sent emails, called customer service and each time I get little or no help. I understand this debt is mine and I am not trying to avoid paying back my debt however I have stressed multi times the monthly payments are just not manageable! After researching student loan modification I stumbled across an article written back in XXXX stating Discover Financial Services is XXXX of XXXX lenders offering loan modification programs. something that was NOT offered to me! The article XXXX states Discover would not release details until XXXX however they plan to lower interest rates on distressed customers and may even come up with loan forgiveness programs for overwhelmed borrowers. I understand each situation is different and must be worked out based on borrowers individually to repay. I like many others are looking for a solution however many complaints show that borrowers sought to negotiate a modified repayment plan with little or no help - Why?? We are trying to repay but need help. Can you please help???

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Kriya Capital, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been the victim of repeated identity thefts and having to use my own time resorted to freezing my credit at all the major credit agencies. Yet somehow XXXX claimed I rang up over {$1000.00} in charges and then passed/sold ( I was not a party so I do not know ) " my '' debt on to collections agency who then proceeded to file a collections report to at least one credit bureau XXXX All this happened without either XXXX, or Credence Resource Management using ANY attempt to contact me. Only when my own third party firm notified me of a drastic drop in my credit score did I see that XXXX reported a collection against me by Credence Resource Management. How are these two companies allowed to claim I owe them money, and then use XXXX to damage my reputation, and make me use my valuable time, to correct their errors? To fix their errors, they wanted an absurd amount of personal information, including SS # etc -- Why would I trust any company that just facilitated fraud against me with this information?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. I have disputed this fact with all three credit bureaus and as a result, XXXX  and XXXX  have completely removed the errors. However, Transunion has not.

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 2018-01-04
Company: Netspend Corporation
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have a XXXX prepaid account. On XXXX XXXX I attempted to withdraw {$300.00} from an atm. The money was not dispensed but the account showed the money was dispensed. I went to XXXX XXXX in XXXX KS the owner of the atm who told me they would do a count and give me the money back if there was a discrepancy. I returned in XXXX XXXX and was told the count has not begun. I returned on XXXX XXXX and told again the count had not begun but totals would be ran and I would receive a credit to my account. I did not receive any credit. I called the bank on XXXX XXXX and was told I would receive the money back from my bank after a dispute. I filed a dispute with my XXXX Prepaid account on XXXX XXXX. I called on XXXX XXXX, XXXX to ask about a provisional credit and was told I could not receive a credit until the investigation was complete. I was told Id receive an update on XXXX XXXX regarding the dispute but that even then I may still not receive any credit until 45-60 business days when the review was complete.

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 2015-04-07
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I re-financed a private student loan serviced by AES. AES received the payment from my new lender on XX/XX/XXXX. AES told me they did not mail a check for the amount of overpayment ( {$470.00} ) until XX/XX/XXXX. The overpayment resulted from a delay in when I applied for a refinancing loan and when the documents were signed. Despite AES 's claim that this check was sent to my new lender on XX/XX/XXXX, the new lender 's servicer did not receive the refund until XX/XX/XXXX. This seems to be an unconscionable delay, as I was charged for XXXX months of interest on this overage amount. A refund of an overpayment should not take XXXX months in this digital age and overpayments appear to be an unavoidable consequence of the delay involved in reviewing refinancing offers. A XXXX issue I have with my new loan servicer ( XXXX XXXX XXXX ) is that the refund of the overpayment was not reflect on my online account - I had to call them to request a special payment history to receive an explanation of how the refund was applied to my balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Dear Sir/ Madam, My hardship began after moving back to states in XX/XX/XXXX with our XXXX children and husband. My husband was employed overseas for almost decade but faced health issues upon arrival to the states. I was not working for 10 years ( raising our children and supporting my husband ) and with my husband not being able to find work related to his field and having XXXX XXXX- I secured a job to make sure that we had control of our finances. Up until moving to the states, my husband income was enough where we were able to pay our mortgage, and 6 credit cards on time. From the time that I started working I able to continue maintenance of all our debt. Its was not until XXXX of XXXX that my company started laying off their employees. I survived the many waives of reduction in force- however there was a reduction in loan volume and ultimately a reduction in the bonus and commission. My income had significantly reduced and It started to become really difficult juggling all our debt in a timely fashion and still put food on the table while keeping our lights on. I reached out to my credit card companies and explained my situation. I had 3 accounts with XXXX and after a few calls they quickly worked out a plan where they reduced my interest to 0 % for 5 years and a low payment plan to be paid automatically. I called up my mortgage company and they paused my mortgage because my hardship was COVID related. I had no success with Bank of America.

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 2022-07-13
Company: Experian Information Solutions 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:
The items listed below are reporting on my personal credit file and were found in my reports with Experian, XXXX and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation