BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
It 's been 11 yrs that I have had my car and it 's still showing on my credit report. I have mailed out two rounds of 609 letters certified. It has finally come off of my XXXX report but it 's still showing on XXXX and Transunion. It 's been more than 7 years since my first delinquency so why is this still showing? At one point it was in repo but then was redeemed. I just mailed out a third round of 609 letters today with possibly taking XXXX to small claims court over this non removal. I should n't have to go through this. One credit bureau has already complied. What 's the problem for the other two bureaus? Please fix so I do n't have to take this to litigation.

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 2022-07-19
Company: EQUIFAX, INC.
State: MD
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


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 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 DEPT OF ED XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: JPMORGAN CHASE & CO.
State: OR
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:
In XX/XX/2015, my credit card ( JPMCB CARD ) incorrectly reported me delinquent for the next 4 months due to their transition to online accounting. I was not using this card and did not have any charges on it. The yearly fee for the card was posted to my account but statements were not being sent to me. I had other accounts with this company that were current and fine. I realized I was " delinquent '' in XX/XX/2015 and closed this unused account. It turns out they stopped paper statements and transitioned to email statements. They had my email address incorrect but did not contact me to make sure this new way of statements was working. No statements were being received by myself and multiple delinquencies were posted on my credit history. I have no other history of delinquencies. I tried resolving this issue with JCMCB to no avail. Can you please help?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Problem with Transunion and XXXX  Reporting information that is not validated Reporting information that has been paid in full as not paid in collections Fraudulent inquiries reported even after fraud report confirmation Reporting companies are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Professional Credit I have sent written letters, 3-5 over the past 6 months requesting response, sent copies of payment agreements, sent copies of money orders paid in full, sent copies of letters stating paid as agreed.

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 2022-07-19
Company: Experian Information Solutions Inc.
State: MD
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Name : XXXX XXXX XXXX, XXXX, XXXX XXXX : XXXX XXXX XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-04
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This company is reporting erroneous information on my credit report and negatively affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my civil rights according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I receive calls weekly if not daily in regards to my student loan that was originally with XXXX XXXX and has been transferred to Navient. Due to hardship and change of financial situation the amount they want me to pay is {$100.00} and my original payments were {$80.00}. I currently can only make {$50.00} maximum payment on my loans and they will not accept this payment. I have been fighting this since XXXX and have had no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not know the source of information due to this but the contract for the collection that was place from XXXX XXXX XXXX XXXX which was turn over from ( XXXX XXXX XXXX ) Acct # XXXX in the amount of {$2000.00} is not my account. I have never had an contract with the collection agency and I have requested documents to be sent to me stating that something was signed and no document has been sent to me. The only thing I keep receiving is a letter stating " the dispute has been verified and updated '' but with what documents? '' I have tried to make contact with XXXX thru letters, phone calls and certified mail and no one has been able to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: DISCOVER BANK
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I've had 6 checking/debit accounts and 2 XXXX XXXX accounts opened in my name to include 3 debit cards sent to my home over the last few months. 

Called banks and reported as fraud : XXXX XXXX Savings opened mid XX/XX/2022 closed XX/XX/2022 -XXXX  XXXX Checking opened mid XX/XX/2022 closed XX/XX/2022 -XXXX  XXXX Checking opened in late XXXX or early XX/XX/2022 closed late XXXX XXXX Debit opened not sure when opened but closed XX/XX/2022 -Discover Card Debit account not sure when opened closed closed XX/XX/2022 -Discover Card Debit account not sure when this one was opened either, closed XX/XX/2022 -XXXX XXXX XXXXXXXX Debit account opened late XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX  accounts opened this year both closed XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03
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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-04
Company: Phoenix Financial Services LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This company is reporting erroneous information on my credit report and negatively affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my civil rights according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: Bay Area Receivables, Inc
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX Opened XXXX Bay Area Receivables Opened XXXX Because these debts are illegal. resulting from criminal identity theft reported to law enforcement via the XXXX Police Department police report # XXXX ; in violation of 15 US Code 1692 ( e ) ( f ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-26
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Navient collected a {$100.00} Forbearance Payment from me on XX/XX/2017, and then collected another {$100.00} Forbearance Payment from me three months later on XX/XX/2017. The Forbearance Payment collected on XX/XX/2017 should have covered a one year period, but Navient collected another {$100.00} Forbearance Payment only three months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: United Check Recovery Bureau, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received multiple phone calls from United Check Recovery concerning debt/check for XXXX XXXX XXXX I clearly explained that I am not XXXX XXXX, to remove me from their calling list, that XXXX XXXX does not reside at my address and that XXXX XXXX did not give them my personal phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Experian Information Solutions Inc.
State: KY
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX I sent in disputes letters and file on cfpb and I have not had a response by mail from EXPERIAN, XXXX nor XXXX. I don't understand what's been going on with my claim but I want a response please by mail. Each account needs to be deleted due to the fact that I have not heard anything about the initial disputed items from the 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 2021-02-20
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
After having difficulty paying a personal loan due to Citi not allowing online payments and reduced staff due to covid. I filed a formal complaint with citi against citi, and paid the loan off in full. Immediately the following months citi reduces the limit on all my cards to " balance owed ''. Thus decreasing my credit score dramatically and is continuing to do so every month. I take this as a retaliatory action and files another complaint. They then decreased my limits again. This is criminal and needs to stop. I have never missed a payment or been late. Citi is bunch of crooks. They have decreased my limits by over {$10000.00} causing my score to drop and they think it's some sort of game. I want my limits reinstated and their bullying actions to stop.

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 2021-02-20
Company: Freedom Mortgage Company
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I applied for two home refinance loans on my primary residence and a property I own in Florida with Freedom Mortgage Company. They ran a credit inquiry on that day to see what type of interest rates I qualified for. I proceeded forward with them and gave them permission to run that credit inquiry. The problem is I received another credit inquiry alert ( I have identity theft protection because I was employee by the federal government and now I support them ) on XX/XX/XXXX. Freedom Mortgage says they ran another credit inquiry on XX/XX/XXXX but I did not give them permission to run. I have been working with them since XX/XX/XXXX in which I got the alert and they still have not gotten back to me why they ran another credit inquiry. I have multiple emails and have escalated this to the management with no avail. I have told them that this affects me due to my security clearance and they just keep telling me that due to my high credit score it should not affect me. This is not the point, I did not give them permission to run the second inquiry and I have asked them to remove this from the 3 credit bureaus. I have still gotten no response and it is going over a month and a half now. I am not sure what else to do.

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 2022-07-19
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have been trying to transfer money out of my coinbase account, but has locked me out of buying the money I need so I can do this. I verified my account back in XXXX and then tried to make a transaction on XX/XX/XXXX and they said I have to wait until XX/XX/XXXX to make any transaction, not giving a reason why. I then called back today, XX/XX/XXXX and they sent me an email that they had verified my account and also sent me another email that I can do transactions, but I still can't make transactions. When I called back they said I had to wait more, not giving a specific time and never giving a reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
All of the above listed items.I have XXXX to paypal over the past 12 mos to close my account and they autodrafted my checking acct at the time wo my consent randomly and willy nilly wo notice.This is wire fraud. When I confronted them repeatedly they kept throwing XXXX and automation in my face. I have served this company multiple times and they olny want to discuss in thier online email chat and over the phone-where a lawyer cant reach them.I have demanded they put responce in writing and they continue to throw mud in my face.THEY ARE NOT A BANK. They have no authority to EXTORT people for money, and yet they repeatedly do so. I have 5 pages of thier XXXX.I demanded account closure and here I am getting hit w extortion again. Ive notified XXXX XXXX and XXXX about the incident. paypal continues to autobill me and prevent me from using XXXX. This one-sided extortionist company needs to be put to bed. Consumers need options instead of corporate conglomerates. XXXX, XXXX, etc. are available and XXXX as well should allow customers to use them. THEY DO NOT. EVERYTHING GOES THRU PAYPAL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19
Company: AMERISAVE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We closed our our home on XX/XX/2022 and were advised we would receive an escrow refund check in the amount of {$2000.00} within 30 days. It is now XX/XX/2022 and the lender, AmeriSave Mortgage has not sent us our refund. We have called and spoken with management 7 times and are told multiple things ( it was sent, or it is being processed, wait another 30-60 days ) and still have not seen our money. This money belongs to us and AmeriSave is holding and sitting on our rightfully owed money. Looking to take legal action and recommend that no buyer or seller use this company.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: NJ
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:
Recently Equifax reported that its system was hacked affecting millions of Americans. The company, whose investors made millions, is offering only a minuscule compensation that too which costs it nothing - free credit monitoring. I believe that it 's is really a slap on consumers face since we do n't have a choice as to who monitors my personal financial information. They must pay $ $ $ in compensation. They must be fined by the agency as th solution does not fit the crime.

Company response to consumer: Closed with explanation