BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-06
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 have recently been informed that there is negative information reported by XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing stating I was 30 Days late in on this account. 

I might have been 28 or 29 days late. According to the FCRA, you can not report false information. 

I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with XXXX XXXX XXXX XXXX XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately updated from the credit file you maintain under my Social Security number to paid on time, never late. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX  or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

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 2022-08-05
Company: EQUIFAX, INC.
State: AL
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:
XX/XX/202XXXX XXXX XXXX XXXX- {$470.00} n accordance with the Fair Credit Reporting act XXXX Account # 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 2022-04-29
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: Investigation took more than 30 days

Complaint:
A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.

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 2017-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This summer I rented a car through XXXX and they told me my credit rating was XXXX and rented me the car without a credit card. I also applied for a loan this spring and got it with no problems. Last week my credit rating was reported as XXXX on XXXX. Yesterday, I got a loan rejection from a credit card company who said my credit rating on Transunion was XXXX. 

What 's the point in having the ratings if they are so divergent?

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 2017-09-26
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a BMO Harris Smart Advantage Account on XXXX XXXX. There was an offer that I would receive a {$200.00} bonus if the new account received two qualifying direct deposits of at least {$300.00} or more within 90 days of account opening, and once that happened I would receive the bonus within 120 days. The deposits were made successfully in XXXX. When I called in XXXX to ask where my bonus was, they stated I had to wait at least 120 days. When I logged on to my account on XXXX XXXX to check if my bonus had posted, my account had been closed by BMO Harris. When I called and asked why, they stated my account had been dormant for 45 days and  that they closed. When I showed them that in the account disclosures a dormant account is classified as 3 years of inactivity, they said they could close my account at any time for any reason. I spoke with XXXX and XXXX XXXX in their call center. I find it extremely fraudulent for a bank to ensure you that you 'll receive your bonus in 120 days from account opening, and then close your account days shy of passing that boundry. Especially after calling and confirming that the bonus terms were met. I 've attached copies of my online statements showing the deposits were made, and when they closed my account. I also included the terms of the account that outline an account can be closed for dormancy reasons after 3 years.

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 2017-07-04
Company: EQUIFAX, INC.
State: IL
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:
On XXXX XXXX 2017 I recieved an alert from my XXXX credit monitoring service stating that my credit score was dropped because my Finance company XXXX XXXX XXXX XXXX stated that my payment was 30 days late. I am furious!! Because as of today my account is 26 days past due, as my payments are due on the XXXX of every month. There has never been any new agreements or signed contracts stating that the due dates have been changed, Therefore this company has in accuratly reported late payments to the credit reporting agency and has damaged my credit rating!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XXXX XXXX 2017 I recieved an alert from my XXXX credit monitoring service stating that my credit score was dropped because my Finance company XXXX XXXX XXXX XXXX stated that my payment was 30 days late. I am furious!! Because as of today my account is 26 days past due, as my payments are due on the XXXX of every month. There has never been any new agreements or signed contracts stating that the due dates have been changed, Therefore this company has in accuratly reported late payments to the credit reporting agency and has damaged my credit rating!!!!

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 2017-09-26
Company: MOHELA
State: MO
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:
I have been working at a not-for-profit mental health agency since I got a XXXX XXXX in Counseling in XXXX. The XXXX XXXX XXXX XXXX XXXX was created in XXXX. Through the years since the PSLF program 's inception, various employees of my loan servicer, MOHELA, told me that I was on track to receive the XXXX XXXX XXXX because I was on an income-based repayment plan. My 10 years of XXXX XXXX for the student loan forgiveness should be up next month XXXX XXXX, XXXX ). However, earlier this year ( or the end of last year ), a MOHELA employee told me that none of those 10 years will count because I have XXXX loans and not Direct loans. Furthermore, I was told that I was XXXX and have been ) ineligible to transfer my loans into Direct Loans because I had consolidated my loans in XXXX or XXXX ( to lock in a lower interest rate ) and that only XXXX consolidation is allowed during the lifetime of the loan. They also let me know that the years before XXXX that I was on Hardship Deferment or forebearance would not count toward the 25 Year XXXX, either. No one had ever told me that. I was very, very angry about all of this- to say the least. 

Then, a few weeks ago, as I was doing my annual income-based renewal via phone with MOHELA, the MOHELA representative told me that I AM ( AND HAVE BEEN ) ELIGIBLE TO CONSOLIDATE MY LOANS INTO A DIRECT LOAN FOR THE PUBLIC SERVICE LOAN FORGIVENESS PROGRAM- EVEN THOUGH I CONSOLIDATED BEFORE. 

So now, even though I did my 10 years in XXXX XXXX for the forgiveness, I am now starting again from scratch. I am in the process of consolidating my student loan into a XXXX XXXX. My {$56000.00} student loan will now accrue interest for another 10 years that I will be responsible for if the program is n't in existence in 10 years or because the information I am given by my loan provider 's employees over the next 10 years is inaccurate again and I am not really eligible for the program. 

Also, I have been informed by MOHELA that, as a result of consolidating into the Direct Loan Program, my years of qualifying payments toward the 25 Year Forgiveness will be erased and reset to XXXX. This means that if I do n't do another 10 years in XXXX XXXX, I will have to do many more additional years of payments to qualify for the 25 Year Forgiveness. My monthly student loan payment will also be higher than it was the past 10 years due to my XXXX dependents becoming adults and leaving the household.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: SYNCHRONY FINANCIAL
State: MI
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:
Unauthorized Credit Inquiry XX/XX/2017 XXXX/XXXX XXXX, FL 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
Consumer complaint received 2021-06-15
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Why dont the stores accept mobile oayment XXXX XXXX its so inconvenient how they still dont have the technology in place so old

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 2017-09-26
Company: FC HoldCo LLC
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This is stemming from a few complaints back in XXXX 2017. All in all i was lied to several times over the phone by Flagship Credit Acceptance representatives to coerce a payment from me. I was lied to about their policy of access to the online portal to make payments. To this day i have NEVER been able to make a payment online through their portal, even when i was current. I was lied to by reps about what information i would need to login online, and whether or not i would have access. FCA violated several provisions of the CFPB ( UDAAP ) but using false and deceptive tactics to coerce an individual into paying them money by lying to the consumer and misrepresenting the status of the debt and status of the ability to make a payment. 

Since XXXX I have been trying to make a payment online, and be treated fairly like the other customers of Flagship and setup recurring payments. I have not been allowed to do that by Flagship which is discrimination. Others have the ability but i do not. I have not been able to make any payments for a few months due to this. 

Their entire system models XXXX XXXX 's corrupt system. It seems they are intentionally not allowing me to pay online so that i do not make my payments and they can charge late fees and " per diem '' interest rates daily to make more money. This company is wildly abusing its power as a lender in the USA. This should not be allowed. They then preach you can call in over the phone, but their reps harass you and threaten to repossess the vehicle the next day as a tactic to coerce payment, ( its happened to me several times, so i no longer call because i get abused when i 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 2021-06-15
Company: RevMD Partners, LLC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a debt from a company called RevMD partners. I noticed on my credit report I had a few open accounts and I reached out to them to start paying to get the amounts to XXXX. I call every few days and every time they tell me I owe different amounts than whats on my credit report. I ask for statements habitually by mail and I never recieve them. I just called again this morning and I gace them a small payment and told them I refuse to pay anymore until I get statment. The staff is very small there and I always get the same two people on the line and they already know who I am and still, they say they are sending statements and I never get them. They keep mentionng different accounts and I have no idea where my money is going as the amounts on my credit report are not reflecting what I owe and they cant explain or give me a statement. They blame my mail, but I have no issues getting my mail. I WANT A STATEMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 2022-04-29
Company: Aldous & Associates, PLLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a membership at XXXX and cancelled during the peak of the pandemic in XXXX XXXX after cancelling the membership XXXX from XXXX called me and said my membership was NOT cancelled and I needed to cancel in person. This was during COVID and XXXX was closed due to the pandemic. They would not allow me to cancel via email of phone call. Then XXXX called me again and said that they would be charging the membership fees monthly even though the gym was closed and that i was also accumulating fees due to non payment, I reminded him of the global pandemic and he didn't really seem to think this was an issue. I asked where do i need to go in person to resolve this? XXXX didn't have an answer and just said they were going to continue to charge me. So I called my bank and said do not allow XXXX to take any money from my account and they stopped all charges. I didn't receive any more phone calls and then received a letter from Aldous and Assoc. on XX/XX/2022 who have been calling and threatening me regarding my credit and saying they were going to ding my good credit. They also would get angry and then hang up on me. I think XXXX are criminals and Aldous and Assoc are their Thugs and have been insufferable. i have read on the XXXX  website i am not alone in this scheme of theirs to collect money during the pandemic My {$69.00} is now a {$1200.00} .... BIG Difference!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have requested the below-listed problems be fixed several times. The  Cre  dit agencies and letters and telephone calls in vein to the Company reporting  the trademarks in error. Every trademark being reported has errors listed, The most serious, is  XXXX , and   XXXX   XXXX   XXXX    XXXX . They are reported as being in collections, payment status is still listed incorrectly today. The Trademarks have been paid in settlement and paid in full,  XXXX /2015, respectively.  See Attched documents : There are four more Trademarks with issues listed on each Credit repor t.   XXXX   ENCL 1 : Disputed items ENCL 2 : Copy of how I want item fixed ENCL 3 :  Letter, Payment etc. Bach-up documents for my claim

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 2020-04-23
Company: JPMORGAN CHASE & CO.
State: AL
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:
Hard inquiry from Jpmbc card service on XX/XX/2019. Called the company the day after this happened and they stated they would investigate t and have the inquiry removed. Never applied for any services with this company. No action has been taken and its been over 3 months. It is showing as a hard inquiry on my XXXX credit report. I would like to have this removed as it was done fraudulently either by identity theft or by the company running my credit without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29
Company: Millco Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated.

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my wet signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. 

All accounts in dispute listed below : AMERIFINANCIAL SOLUTIONS ACCOUNT # XXXX {$100.00}, {$140.00}, {$100.00}, {$120.00} Best Regards, XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2022 my phone and wallet were compromised which resulted in someone accessing my Coinbase account and transferring all funds ( approximately {$900.00} in crypto-currency ) to their account. This transaction happened around XXXX XXXX on XX/XX/2022. I attempted to call Coinbase twice ( once at XX/XX/2022 and a second time on XX/XX/2022, where they said although they understand there were unauthorized transactions, there is nothing they can do about it ). The second time I called they said that I could file a complaint and hung up on me stating that " it was disconnected " on a follow up email, even though they have my number as a callback and said they would reach back if disconnected. I filed a police report on XX/XX/2022 as I also had money transferred from my checking account in the amount of {$1300.00} from the same person that compromised my Coinbase wallet and they said there was still nothing they could do about it.

Company response to consumer: Closed with explanation