BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-11
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My ex- wife and I had a spousal consolidation. My ex- wife has paid get portion of the loan and it has been court ordered that I am responsible for the remainder of the loan. I wanted the servicer Navient to reconsolidate the loan due to the court order but they are unwilling to do so. My ex is no longer financially responsible for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, I contacted XXXX support team as I couldn't login to my XXXX account. Got an email with Case # XXXX that the case is assigned to a specialist for review. Till today ( XX/XX/XXXX ) even after 45 days, there is no solution from the XXXX support and still can't login to XXXX  account. My funds worth almost {$12000.00} got locked in my account and couldn't access them. Contacted XXXX  support several times but they are still saying the account is under specialist review and no way to contact that department directly. I got huge loss in this mean time as crypto market crashed and I couldn't sell the coins in my account. 

I need access to my XXXX account to use my funds. Please help me in getting the access back to my account so that I can login and use the funds. Please help me at the earliest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: Medical Data Systems, 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: Was not notified of investigation status or results

Complaint:
I was not notified of this debt. They did not supply me with my wet ink signature contract validating the debt. Have not supported proof under the doctrine of estoppel by silence Englehardt v. Gravens ( Mo ) 281 715 791 I may presume that no proof of the alleged debt nor therefore it any such debt in fact exists. Therefore, this account is fraudulent and inaccurate. It should be not on my consumer 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 2020-02-11
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
i recently opened a business checking account & chase credit card which chase recently approved it & now closed my account for no apparent reason & not disclosure at all

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
this was case 2007 XXXX XXXX that was closed. It should not have been closed. 
The credit card company is NOT sending statements if the balance is XXXX. 
They have it set up that anyone who is set up for automatic payment and to have the bill paid in full will generate a XX/XX/XXXXbalance. then they go one step further and say if the balance is XXXX then no statement is generated. This is soooo wrong. There were charges made and paid for during the statement time period. The portal states you can access statements for the past 24 months. well you cant access them if they are not on the portal because you are signed up for auto pay. This is beyond absurd. Credit cared companies should HAVE to generate a statement if any activity took place. I totally understand that they would not have to generate one of there was no activity. but this is very different. I need the statements to tale care of info that I need to do my taxes. The portal shows dates and dollar figures of what was charged and paid but there is no detail of who it was paid to. When I figured out the auto pay date thing I stopped my auto pay. At least now I can get statements. I pay my credit card down andkeep a XXXX cent balance. It does not help me out with the missing statements. there are 7 missing statements. when I call them and they say there are no statements regardless if there was activity or not when the balance is XXXX. How can they be allowed to request a payment or take a payment as in the auto pay and not have a statement???

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
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: Information belongs to someone else

Complaint:
Experian has continued to report inaccurate fraudulent information on my credit file from XXXX XXXX for the amount of {$8600.00} I've last reached out to Experian on XX/XX/20 and since then they have dropped my score by 142 points as of XX/XX/20

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: HCFS Healthcare Financial Services of TeamHealth
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was seen by a doctor in a emergency room. My insurance paid the debt in full. The doctor tried to balance bill me in error. I sent the explanation of benefits to the debt collector to prove I did not owe the debt in question. They keep telling me that they are waiting for the original creditors response. I have been waiting over 30 days for them to remove this from my credit report ( since sending E.O.B ). The account is over 2 years old and I have been disputing this account for over 1 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 2022-06-15
Company: EQUIFAX, INC.
State: SC
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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
on XX/XX/2022 I notice some inaccurate information on my credit profile. I disputed these inaccuracies on XX/XX/2022. On XX/XX/2022 I notice I has not received response. In understanding of the new " normal '' in the workforce in today times I patience extended a courtesy and continue to wait for a response yet and still no response. On XX/XX/2022 I again have sent another letter to get this matter resolve. Now as understanding and patience as I am trying to be this inaccurate information is affecting my life and I no longer can extend that courtesy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
Hit with an inquiry from XXXX National Credit Cards/Airlines,  I do not have any relation to this and just like some others, I was given the run around. XXXX claims they don't own the account and that it's a known error with XXXX XXXX. XXXX XXXX tells you to contact the credit bureaus and then Transunion tells you to contact XXXX ... .thus an infinite circle. Inquiry from XX/XX/XXXX. XXXX. National Credit Cards/Airlines. XXXX FL XXXX. Last reported on my TransUnion credit report on XX/XX/XXXX. I Did not make this inquiry and i should not have to go through the hassle of fixing something that I did not ask for or inquiry about. If its a known issue from XXXX XXXX this needs to be resolved on its own.

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 2022-06-15
Company: EQUIFAX, INC.
State: NY
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:
in accordance with the Fair Credit Reporting act XXXX account XXXX XXXX XXXXXXXX and, XXXX XXXX XXXX has XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX credit inquiries violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I submitted an application online for a checking and savings account on XX/XX/2019. The application was submitted under a new account promotion for {$400.00}. Later on XX/XX/2019 I received an email requesting that I submit documentation to verify my identity. I immediately submitted the documentation electronically. I have written showing confirmation that I completed the necessary task that same day. It then took Citibank nearly a month to process the documentation and open my account. After several phone calls with customer service, it was not until XX/XX/2019 that I received written notice that my account was opened. That is also when I received a debit card so I could fund the account. I immediately activated the debit card on XX/XX/2019 and began to fund the account. A deposit totaling $ XXXX was made on XX/XX/2019 and $ XXXX was made on XX/XX/2019. I subsequently contacted customer service after 90 days about the new account bonus and was informed that I failed to fund my account timely. I spoke with a manager and he looked at the timeline of events and said he would submit a request to the accounts bonus (? ) department to take another look because it took the bank so long to verify my identity. He said he listed out the timeline, showing that I funded the account as soon as I was given access to the account. I just received a letter with boilerplate language saying I failed to timely fund the account and qualify for the promotion. I dont know how anyone could qualify for the offer when it took the bank a month to verify my identity and give me the ability to fund the account. This looks a lot like a bait and switch scam.

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 2022-06-15
Company: EMCC Holdings, LLC
State: NY
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:
XXXX ( XXXX ) different companies, XXXX XXXX XXXX, EQUIANT FINANCIAL SERVICES AND XXXX XXXX XXXX  with same Account No. XXXX on the XXXX consumer reports have voilated my right, 15 U.S. Code 1692g failed to respond to request to validate the debt and provide proof of claim within 30 days of notification 15 U.S. Code 1681s2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

15 U.S. Code 1692k - Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; I have written to all three companies for debt validation but none has responded to me despite they were informed to cease and desist all collection reporting activities on my credit report. 
XXXX XXXX XXXX AND XXXX XXXX XXXX still reporting under XXXX different names on XXXX, XXXX and XXXX XXXX report. 

Despite this, XXXX XXXX XXXX, EQUIANT FINANCIAL SERVICES AND XXXX XXXX XXXX  are reporting incorrrect : Date Opened, Balance, High Credit, Last reported, Date Last Active and Payment History.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: First Associates Loan Servicing LLC
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
This account XXXX was open on XX/XX/XXXX and is inaccurate because this account was open without my authorization, when I attended XXXX XXXX XXXX  XX/XX/XXXX-XX/XX/XXXX for the only loan the I was aware of was for the financial aid offer thru department of education. The financial aid staff fill out my application for my financial aid the whole process was done in a rush and everything was done e-sing thru the application on the computer. My understanding was the I was signing my financial aid application. I didnt know nothing about the XXXX XXXX XXXX loan offer thru First Associates, I found out about this account 6 months after my graduation. I send a letter on XX/XX/XXXX to first associate requesting the removal of this loan for the reason the I didnt authorize this loan. They replay on XX/XX/XXXX staying ( That understand I have requested debt forgiveness. they are not a branch of XXXX. There administrative authority is strictly limited to the terms of original contract terms. The unfortunately they can not make changes or otherwise modify contract terms, including but not limited to my request for debt forgiveness. ) This application was not fill out or sing by me and I can prove it, the copy of the contract they send to me the information is not accrued. This application was done in XX/XX/XXXX and in one part of the application said ( XXXX XXXX XXXX ) Im a us citizen sent XX/XX/XXXX this application was done fraudulently is unfair the I have to be paying for something I didnt authorize. Since I finish XXXX I have not been able to find a job, the job in this field require a XXXX XXXX or higher education. Now this account is on a collection status of {$6000.00} on my credit report. I am so disappointed I spent 2 year after a degree the is not good for nothing I have a debt the I 'm not able to pay. to be in a worse situation my landlord is asking me for the apartment the I 'm leaving inn at the moment and because of this debt I 'm not able to find a good place to live because of this school and this private loan my credit is not good. I 'm not going to be able to rent a good apartment or buy a house, get credit card, or improved my credit rating. This has ruined me more financially the I was before. Now I will be ending up in a shelter with my XXXX kid because this school mislead me with false information they assure me they will help me obtain more desirable jobs and higher income to better my live and my future and now i do n't have nothing only more problems them before

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX sent IC System after me a year after I closed my account, claiming I owed XXXX {$59.00} for equipment that I returned to the XXXX store at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX made no prior attempt to contact me via phone or email prior to sending a debt collector after me, and I no longer have the receipt for equipment return because I thought this was finished over a year ago. 

I disputed the charges and explained I returned the equipment to their facility. I noted that they have not itemized the equipment so I have no idea what they are even claiming I kept. I have no reason to keep the equipment because I moved to an area that XXXX  did not service at the time I moved, I have a high XXXX XXXX, and have always paid my other debts on time. I told XXXXIC System to cease & desist and they are continuing to harass me. They filed a collection with the credit reporting agencies, whom I had to contact to have the collection removed ( which they did ). Please see the attached letter for my correspondence with XXXX  ( XXXX XXXX ) and with the credit reporting agencies ( XXXX XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
I noticed information on my credit profile that was not correct in XXXX on XX/XX/28 I send dispute in about these inaccuratices. On XXXX I notice I did not receive a respond and send a demand to comply in and still lack of communication back to me it's almost 2 weeks later and still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I was behind on a payment on two of my credit cards serviced by this company. They called a number of a estranged family number to get information. They gave this person who answered the phone private information on my account including total amount owed, payments made and payments needed. This is a personal credit card. I have no additional signers and have not authorized anyone to have access to information regarding these accounts. I am not married, phone collector assumed they were speaking to a spouse and gave all information to them. I have no relationship with the person they spoke to about me. This happened onXX/XX/XXXX andXX/XX/XXXX. I called the company and was given a number to their corporate office. I called that number, sat on hold for twenty minutes and then was dumped into a voice mail box and have not heard anything back from the company since. I have two accounts through this company, and they did it on both accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: Yakima County Credit Service, INC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was garnished after making a contract with them and making a good faith payment XXXX of XXXX. Then on XXXX my employer withheld XXXX. I called yccs and talked to XXXX of the supervisors. They told me they were n't supposed to garnish me. After getting know where I contacted the attorney that represents them on XXXX. He told me he would get the paperwork over so they would stop the garnishment before the next pay cycle. On XXXX they took another XXXX. I once again called them and they apologized and said that this should n't be happening. They would contact my pAyroll department. My payroll department told them she legally needed a stop payment form. I got a phone call a week later saying it was taken care of. XXXX I called payroll to make sure I would not be having any money taken out and she said she had n't received anything from them. So I then called yccs again I was directed to the supervisor. She said she would get it taken care of. The manager of the location called my payroll and was told what form she needed. He got the fax information and said he would get it to her. Today XXXX when I spoke to him to make sure it was getting taken care of he said he did n't need to send her any more forms. I then asked for my money to be sent back because I was n't supposed to be paying them that much. He told me no it would be credited to my account. They took XXXX overpayment so far and as of XXXX it will be XXXX of over payment. I simply want my money back and to will continue to make my contracted XXXX monthly payment. They 're illegally taking money. They keep saying the order she has is the stop payment then why are they continuing to take my money and not sending it back to me

Company response to consumer: Untimely response
Consumer complaint received 2020-06-22
Company: Experian Information Solutions Inc.
State: IN
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:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX XXXX {$70.00} XXXX  XXXX XXXX XXXX {$1200.00} XXXX XXXX {$720.00}

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 explanation