BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Was told by XXXX nothing they would do as it was to old. Never went to any XXXX in XXXX XXXX Fl. When I went to one in XXXX XXXX I gave them both my XXXX card as well as my additional XXXX medical insurance. They accepted both and this covered all expenses. According to my insurance company if they accept insurance they must accept payment that is customary and not bill for difference

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: Nelnet, Inc.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have spent 3 years getting XXXX excuse after another as to why my forgiveness has not been granted. I was told paper work had a problem, it takes a while to process, keep asking for deferment, it is forgiven but takes a few weeks to show. Now they have XXXX other social security numbers attached to my name and said I was denied in XXXX which was news to me. If they do n't know who I am why can they talk to me and if my loan was denied why am I getting to defer my payments still. I learned this XXXX XXXX XXXX. I am afraid if I reapply this will start all over and they will drag it on again saying it is a new application

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I received a called from this company, They say a Attorney that was in charge of this account was ready to file, if no payment was made. 
I send a request to this agency for a Validation of the account since they are not the original creditors and I request a break down of fees and they fail to provide proper documents and or prove for there claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: ENCORE CAPITAL GROUP INC.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Midland Credit Management is trying to sue for a XXXX XXXX credit card account I know nothing about and not on my credit report. They are saying I owe over {$3800.00}. They have hired local attorneys to attempt to get a judgement. I have XXXX XXXX XXXX account open on my credit reports. It is a car loan in good standing and I owe more than {$3800.00} on that one. XXXX XXXX credit card would be on my report if I owed anything and they would not have given me a vehicle loan. 
It is annoying and time consuming that they come up with bogus info and harass people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28
Company: Genesis FS Card Services, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2021 I received an email stating I opened a credit card. When I checked my credit report I noticed that a credit card was opened in my name with a credit limit of {$4000.00}. I was involved in identity theft and credit card fraud. I reached out to the company to close the account. They said they were going to mail me an affidavit but have not received anything. I went to my local police station to file a police report. I also filed an identity theft report with the FTC. I need Genesis Financial Services to remove my account from all 3 credit bureaus. I never opened an account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I am currently a XXXX year old XXXX student at XXXX University. I have my XXXX, and have been working in my field, while trying to obtain a full-time position. I work full-time hours, but only bring in about {$1400.00} a month. Unfortunately, I took out private loans with NJClass at the very young, uneducated ( in terms of loans ), and naive age of XXXX, without realizing the situation I would eventually be in. NJClass is asking me to pay {$1600.00} a month, which is impossible for me. I have called XXXX of times to try and work out some sort of payment plan, but they refuse to work with me. My parents are cosigners, but my dad was laid off last year, and they are already struggling to make ends meet without my loans being a factor. I am not asking for my loans to be forgiven. I am not asking to pay very little. All I 'm asking is for NJClass to lower my monthly repayment to a price that is livable for me until I get a full-time job.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
dear to whome this may concern i reported to credit bureaus on the inquires on the reports are fraudeulant and i did not authorize these inquires and that they be removed immediately and got no response! also reporting the correct personal info on the credit report with one address and one name spelled correctly.

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 2016-05-10
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
I purchased a money order from Western Union in XXXX XXXX # XXXX. The money order was never used and is still complete and unsigned. The money order number is XXXX and I do n't have the purchase date. The amount of the money order is XXXX ( XXXX Dollars ) but Western Union Services says they will only cash the money order back in for XXXX ( XXXX Dollars ). I feel this is illegal as the original amount spent on this money order was XXXX ( XXXX Dollars ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I sent TRansunion a letter, along with my ID, in XXXX. They never responded to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been a victim of Identity Theft. I have been trying to work with the Credit Reporting Agency but they are refusing to honor my valid identity theft case thus these incorrect/fraudulent items are still on my credit report and they must be removed immediately but they are do not belong to me. I have provided all of the proof to show that I was a victim of Identity Theft and that to the best of my knowledge these fraudulent accounts do not belong to me. Please take immediate action on my behalf so I can have these items removed, deleted and permanently blocked from my credit report, so that I can get back on track to a normal life. 

Regards

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have incorrect credit balances that have been displayed incorrectly for the past 2 weeks and have n't been updated correctly. It 's showing max utilization and it is bringing my score down drastically. The balance has been brought down to about {$2400.00} on both credit cards combined and the credit limit has been increased to {$7400.00} on both credit cards combined. I need my score to improve since they will be approving me for grad plus student loans and will be checking my credit score starting XX/XX/XXXX so please update the information asap. I attached a word document and a print screen of current balances.

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 2021-12-28
Company: Spring Oaks Capital, LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX BANK {$720.00} this account was opened fradulently by someone I do not know and I have contacted the agency for years to assist me with recovery my personal credit profile to get standings and they have yet to do so, therefore I am filing charges against them for neglance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: Fairway Independent Mortgage Corporation
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I bought a house in XXXX Tn XXXX XXXX XXXX. XX/XX/XXXX. After moving in, everything went bad. Furnace went out after four months, split AC unit went out after 10 months, water damaged spots started appearing on every ceiling. The roof is leaking. There was an undisclosed fire in XX/XX/XXXX, an undisclosed flood in XX/XX/XXXX, and an undisclosed foreclosure from XX/XX/XXXX to XX/XX/XXXX, our home insurance company refuses to pay for a house with pre existing conditions. The house is covered in black mold, walls are crumbling, floors buckling, roof leaking, siding that is rotting from the outside in. The appraiser never checked a minimum requirement and Fairway Independent Mortgage Company accepted a termite inspection that was done by an unlicensed inspector, the sellers agent was not licensed, our realtor intentionally frauded myself and my wife. After looking through my closing papers, and receiving the closing papers from the Fairway ( I had to ask them several times ), i realized important documents were hidden from me and some omitted from Fairways closing papers. My emails and my wife 's emails were hacked. My wife grew up with my realtor to top it off. This is horrifying. I am now unable to financially fix this house, myself and my wife have experienced XXXX and illness for 2 years and are pursuing this with help from a VOCA attorney. I am XXXX   and a veteran ... i can't get over this loss financially and have no other choice but move out for the safety of my family. I hope nobody ever has to go through this nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: PNC Bank N.A.
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My bank does not allow me to link my accounts with XXXX. I have friends with accounts from the same bank and they have no issue using this app but suddenly I am not allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Invested into XXXX using coinbase invested XXXX $ and went to withdrawal the money through wire transfer and never seen the money after 6 days I NEED HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Experian Information Solutions Inc.
State: MI
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:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 NEGATIVE ACCOUNTS : XXXX XXXX XXXX 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 an account without my written instructions.

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 2021-12-28
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am XXXX XXXX and Im submitting the complaint myself and there is no third party involved. After recently obtaining a copy of my consumer report I became aware that Lanier Collection Agecy is reporting an " alleged '' debt to my consumer report. In accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt ( 15 USC 1692g Sec. 809 ( b ) ). I am NOT requesting verification but I am requesting for VALIDATION and PROOF OF CLAIM. I request that their office provide me with evidence that I am obligated to pay them. Continuing to report this debt without properly validating is a violation of the FCRA ( Fair Credit Reporting Act ; 15 USC 1681 ). You have 30 days to respond to this request or this debt will be considered invalid and the demand for removal from your reporting agency will be required. I need this problem resolved as soon as possible as this is a negative reflection to my consumer report. Lanier Collection Agency received all documents and supporting evidence of my complaint through the mail on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: John C. Heath, Attorney at Law, PLLC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
XXXX XXXX 2015 i recieved a letter from XXXX stating that they have cancelled the following account 's from their active collection files and we 're removing the accounts if they were listed on my credit file. The client name is XXXX XXXX. The account # is XXXX. Date of service XXXX. Balance is {$2000.00}. At the time i recieved this letter from XXXX i was paying a law firm by the name of lexington Law to help me rebuild my credit XXXX items had been removed from my credit and when i got the letter in my mind lexington law had handled this for me so i kept the letter in my personal files until now. I cakked XXXX XXXX last week to get electric services in my name at my apartment i was told by them XXXX that i was showing an outstanding balace if {$2000.00} i wad provided with the number to indentity.gov. i thought XXXX had given me the wrong number so i called the number on the letter fron XXXX when i spoke to seversl of their customer service reps i was informed that they had no record of anything regarding me and removal of my account from their active collection nor removing any amount if mobey from my credit file. After speaking with the customer service rep from indentity theft.gov they provided me with consumer finance.gov and i was directed to file a claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Experian Information Solutions 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:
I asked the credit bureaus to send me proof of my written authorization and the permissible purpose I made I never received any response from them. 

In accordance with the XXXX XXXX XXXX, these companies have violated my rights. 

Listed below are the companies and the date of inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-12-28
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:
XXXX XXXX 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 2016-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I wrote Transunion in XXXX requesting an investigation into errors on my credit report. It is now XXXX. NO RESPONSE! This is a violation of Federal law

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 2021-12-28
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep on receiving notices for a debt collection company called ARS, Stating that I owe {$1500.00} from a company I have never been associated with, it states that the original creditor XXXX XXXX. I never dealt with that company or owed them money. I spoke to ARS, I told them this has to be a result of identity theft, and they still trying to collect this debt and threatening to report it on 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 explanation
Consumer complaint received 2020-06-09
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I have contacted each of the credit agencies in regards to the fraudulent accounts that are destroying my credit history and my livelihood. I have only gotten partial results or response letters in return requesting documents I have already submitted a number of times. I have now reached my limit regarding patience with this matter. Not only have I submitted all documents required by law to prove my innocence and uphold my end regard the laws of the fcra. I have also opened investigations with the local police department and arrest have been made suspect has apprehended and charged By the XXXX county police department. However the banks and credit agencies have unjustly left this debt onto my credit report. If these accounts ( XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX / XXXX XXXX XXXX ) along with the fraudulent inquiries and useless fraud alerts are not removed permanently and urgently. I will file my lawsuit and seek full reimbursement for all that I have lost due to this theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-09
Company: Cadillac Accounts Receivable Management
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I applied for a home mortgage and was turned down due to derogatory information listed on my credit report. The lending company gave me a copy of my credit report which is when I saw this collection account that was established in my name due to fraud. I filed an ID Theft report which is attached to this complaint. I am requesting that this collection agency stop reporting this fraudulent account to the credit reporting agencies as it has caused my home loan to be denied. If I am unable to purchase my home in time before my scheduled closing date, and I miss the opportunity to purchase this investment property because this collection agency does not want to comply and delete this account from the major credit reporting agencies they report to, then I will be filing a lawsuit against them for the damages I occured and the future profits I would have missed out on because of the inaccurate negative credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I haven't had a recent credit score through XXXX and experian in three months. Since XX/XX/XXXX of this year no new information or changes have been made. I tried to contact their company, and never got a response back

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 2016-01-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
ON XXXX/XXXX/2016 CHASE VISA XXXX XXXX XXXX XXXX IMPROPERLY CHARGED XXXX XXXX {$19.00} ( XXXX ). 
THERE IS NO LEGITIMATE BASIS FOR THIS CHARGE. XXXX XXXX NEVER AUTHORIZED XXXX TO CHARGE HIM ANYTHING. EFFORTS FAILED TO GET XXXX TO CEASE AND DESIST. 
XXXX XXXX XXXX BACK {$19.00} XXXX/XXXX/2016 XXXX/XXXX/2016 Sale XXXX {$19.00} Print XXXX, WA XXXX US Online, Mail, or Telephone transaction Rewards earnedXXXX+ 1 % ( XXXX Pt ) / {$1.00} earned on all purchases XXXX Total rewards XXXX Points

Company response to consumer: Closed with explanation