BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-21
Company: First Data Corporation
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
First Data was charging me a fee to process Credit Card Payments fort my Music Store. In XX/XX/2019, I decided to cancel their service and no longer use them. 

The account, I was told was closed. However, after receiving my monthly bank statements, I noticed right away that I was still be charged for their service. 

I called a second time to resolve the matter and the customer service refused to stop the charges because I did not know to the exact penny what last Monthly charge was. 

It is now XX/XX/2019 and I am uncertain as to wether or not First Data will continue to charge the monthly service fee. I was urged to seek out the assistance from the CFPB.

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 2017-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 had issues with XXXX for several years. They were mandated to remove payment histories from my bankruptcy XXXX from XXXX/XXXX/XXXX back to XXXX and still state they dropped the ball and these have n't been removed from my credit report. Only XXXX acct. They refuse to remove the XXXX student lian that was discharged.

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 2022-06-10
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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I har 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I har 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 2022-01-05
Company: Experian Information Solutions Inc.
State: NY
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

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 2017-06-28
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Due to government cut backs, I lost my job with the XXXX XXXX XXXX in XX/XX/XXXX. I received a severance package. I moved to find a better job and started looking for a job immediately. With my severance, I was able to pay on my private student loans for several months but when I saw I was running out of money, I had to save money for rent, electric, water, and groceries which I consider the BARE NECESSITIES. I got behind on my loans but in XX/XX/XXXX I found work. I have been paying more than the minimum amount to try to catch up. For the last 4 months, every month, I have paid. But Navient calls multiple times a day. I can make a payment today and they will still call me. In the beginning I spoke to them and explained, I just started a new job, I have been paying more than the minimum to catch up, however this amount is all I can afford to pay each month. This should be documented in their notes, this should be known, still they persist. My situation today has not changed since yesterday, since last month, since as far back as XX/XX/XXXX when I started this job. I have an alotted amount of money I can use for student loans. PERIOD. I have spoken to a lawyer about my loans in which possibility of settling was discussed. I can not however come up with X amount of thousands of dollars to settle at this time. Now I am researching better business practices to see suing for harassment is possible. Consider this a formal complaint on the company. I have screen shots of my phone which shows how many times they have called me since XX/XX/XXXXXXXX and how many voicemails I am left. I 'm to the point my voicemail box is almost full and had to make a complaint so I can give over whatever records are necessary so I can continue to receive their hounding phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: Navient Solutions, LLC.
State: AR
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:
Department of Navient belongs to a family member. I have never received a bill stating the loans were due. The information receive was after the loan were in default. I am XXXX  and trying maneuver financially but I can not due to information reporting. Loans fall under Authorized user so I am requesting they be removed from my credit. 

XXXX XXXX, also belongs to a family member.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I filed a dispute online for the inquiries I do not recognize back in XXXX. I called TransUnion on XX/XX/XXXX and they would not remove the inquiries on my credit report. I do not recognize these inquiries. 

XXXX/XXXX Date Filed XX/XX/XXXX Type Credit card and travel / entertainment companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Credit card and travel / entertainment companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX   XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX   Date Filed XX/XX/XXXX Type Finance other than personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance other than personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address 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 2019-07-25
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hunter Warfield Inc {$3400.00}. Im not liable for this debt. I have no signed contract with Hunter Warfield. 

In addition, a review of my local county clerks records show the Original creditor XXXX XXXX has voluntarily dismissed the debt. Civil court records show removed from public records under my name and dismissed consideration amount {$.00}. Im no longer liable for this debt with the original creditor and have never had a contract with Hunter Warfield.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-09
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:
XXXX has stated they " verified debt '' Please explain to me how you conducted your investigation! 

1.Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?

2.What certified documents were reviewed to conclude your investigation?

3.Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4.What did it cost your company to obtain the documents needed to complete your investigation?

5.Please provide proof of your timely procurement of certified documents.

6.Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

7.If yes to above : a.Who did you speak to?

b.On what date?

c.How long was the conversation?

d.What was their position?

e.What telephone number did you call?

f. What is the name of the employee of your company that spoke directly to the above party?

g.What is the position of the employee of your company that spoke directly to the above party?

h.How long has that employee been employed by your company?

i.What formal training was provided to this employee to investigate items of this kind?

j.Was there any e-mail or written communication between members of your company and the above party?

8.If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.

9.Provide the date of the commencement of delinquency 10.Provide the SPECIFIC date reporting that these items will cease Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response.

My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report. 

Please respond accordingly,

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 2022-06-10
Company: Experian Information Solutions 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:
on XX/XX/2022 I sent a re-investigation request for items that are inaccurate on my credit report. To date I have not received a reply from either credit bureau about that investigation. I have negative items posted on both XXXX and Experian credit services.

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 2019-07-25
Company: MAS FINANCIAL SERVICES, INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have written numerous emails asking for a deferment due to the vehicle braking down on me since XXXX, They said if I can show proof they would assist me with the deferment, ( which i did ), never got a response back .. then the manager contacted me and said he would make an exception if I can make one payment which I did, never got a response from them until days later they started calling me again with threats to repossess my car which in fact is not drivable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: AXOS FINANCIAL, INC.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My bank has withdrwan money from my escrow account to pay for insurance, even though I already have adequate insurance on my property, and I have repeatedly provided proof of my own insurance coverage to the bank. 

Despite three ( 3 ) written requests, and numerous phone calls, my bank has not restored or returned the {$990.00} they wrongly took from my account. 

Bank Name : Axos Bank Loan # XXXX Bank address : Axos Loan Servicing, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX NV XXXX Please assist Thanks XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( the Fraudsters or the Companies ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX XXXX, XXXXXXXX XXXX, and XXXX XXXX ( XXXX USD in total ) which was transferred from my wallet utilizing Coinbase 's services. 
I had tried multiple times to resolve this issue with Coinbase but they just keep ignoring my letters and complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
My account was closed without any warnings and heads up by Bank of America. I have accumulated over {$1000.00} worth of rewards and I suspect this is why they decided to close the account so they do n't have to pay out the rewards. 
I would not have discovered the account closure if I did not login to the website today and see that my account has been removed from Bank of America. No other accounts were removed, just this account with the highest rewards balance. 
Upon calling, I was informed the account has been closed due to " too many revolving balances ''. However I have been a customer with Bank of America for over 4 years and have NEVER missed a payment on ANY credit card account. As a matter of fact, I 've NEVER paid less than full balances on all my monthly payments. This is an absolute lie and an excuse for banks to avoid paying out on rewards. 
What 's most frustrating is I have another personal Bank of America account and they could have asked me if I wanted to close that account instead since it has no rewards, yet they simply closed this account without my consent. 
They refuse to reopen the account without doing another credit pull and will not guarantee successful reopening of such.

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 2022-06-10
Company: Experian Information Solutions Inc.
State: PA
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:
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 15 U.S.C 1681 A Section 4 : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2019-07-25
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After my accident and left XXXX my apt evicted me and said I would only owe the last three months left in lease totaling {$2700.00} and Rent Debt Collections reported inaccurately to all three credit bureaus that my balance Id {$5800.00} and thats not true

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Have tried to freeze credit with both Equifax and XXXX. Both are unable to do it online. Congress needs to hold them accountable and make credit freezes easy and transparent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
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 XXXX /XXXX  equifax have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 16815-2 ( A ) ( 1 ) 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. XXXX XXXX Account is passed the statute of limitations of the New York State Consumer credit fairness act, Section 214-i line 23 prohibits revival of debts arising from consumer credit transactions. the three-year limitations period has expires.the XXXX XXXX illegally reports to XXXXequifax that my account is still valid and refuse to request account removal after settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have spoken to all 3 bureaus 5-6 times over the last 6 months. They refuse to help or make their wrongs right. XXXX after a year is now reporting my XXXX  XXXX authorized user account as it is suppose to but the other 2 have failed to do so. Along with that I have been fighting XXXX over an identity theft that has caused all 3 bureaus to place several things that were not even the proper name on my report. They have removed most of these items but only after reporting to this company. There are still 2 inquires on my transunion that are fraudulant one from XXXX and XXXX. The companies verified them to be fraud and that was 6 months ago so why are they still on here but the others from the same place for the same reasons were removed as they should have been. My acct number ends in XXXX for my XXXX XXXX account that was suppose to be added over a year ago. XXXX has now fixed this and added it but the other 2 have not. A YEAR OF TIME AND WORKING TO BUILD CREDIT AND THEY HAVE PLACED ME 10 STEPS BACKWARDS FOR THIS ERROR ON THEIR BEHALF. It is keeping me from being able to purchase the home I need for my 3 children. This needs to be fixed. There is also a new account added last month that should be showing up and I worry with all the mistakes they make that it too will not be added. These bureaus have destroyed the last 6 months of my life because they are not doing their jobs properly and I would like to sue them for all the fraud that they allowed to be placed onto my reports.

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