BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My student loans are currently reflecting incorrectly on all of the major credit bureaus. I have investigated and just now sent in for a complete investigation/audit to XXXX for refund issues with XXXX Kentucky University and XXXX XXXX XXXX. 
Since obtaining my loans I was never properly Advised that by not doing a small income driven payment I would be saving myself apparently now thousands of dollars. Each time I have contacted them I was placed only on a forbearance. 
As of now XXXX XXXX is reflecting the following to the bureaus which has my debt to income ratio WAY over the limits and is causing me to not be able to obtain loans and causing me negative harm and higher premiums on loans and insurance. 

I tried contacting the consumer to find out why the balance ( amount that I have borrowed is right @ XXXX more than the what I originally borrowed ) and I get no where but transferred around. It can not be possible that I have generated XXXX interest on my account and if I have it is their fault for not placing me on a program where I would have at least been paying the interest while I was in school. They false advertise and their customer service lies to students about the options they have. 
According to the FCRA if ANY Company falsely reports information and the Bureaus do not fully investigate ( which I have asked to do on multiple occasions ) They are required to remove this account from my files.

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 2017-10-22
Company: DISCOVER BANK
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My online/web account with Discover Student Loans has been limited for several months now - apparently due to problems they are having with an upgrade ( or so they tell me ). Every time I log on to the online system I am greeted with these error message : " Access to your account is limited at this time. Please call customer service at XXXX for further assistance. '' " Due to system maintenance your Account Center payment history may be incomplete. We are currently working to resolve this issue. We anticipate the issue will be resolved in a few days. In the meantime, for complete payment history, please see your monthly statement ( s ). We apologize for any inconvenience this may cause. '' These website issues prevent me from paying my monthly loan payments online, downloading copies of my monthly statements, and seeing other pertinent and important information related to my loan. 

I have tried to contact Discover Student Loans numerous times via phone, chat, and their online messaging system and keep getting useless responses - from they are working on it, to generic form responses that do n't even apply, to some of the representatives I spoke with not even being aware of the issues. I have sent numerous emails to senior managers/executives and they have not responded. I have requested that they suspend my monthly payments ( and interest accumulation XXXX until they can get their act together and fix this, but they have not done so. I have been forced to waste time making payments via phone calls and do not feel comfortable continuing to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02
Company: John C. Heath, Attorney at Law, PLLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I called Lexington Law Firm on XX/XX/XXXX. I was advised that the services would cost {$130.00} should I keep them past 5 days. I later that day called to cancel but the law clerk assured me they are helpful. I then found out that they were being sued so I called back. They make it impossible to reach anyone when you ask to cancel the line is disconnected. I found an email from an employee of theirs so I wrote them my request to cancel in writing and have it on file in my email. They close off the chat and when you call the phone says they are closed on Sunday which was my date to cancel so you have no means to cancel other then an email to someone at the firm which is hard to find. When I called on Monday to ensure i had been cancelled they had not cancelled. I continued to chat at length about cancelling they just refuse to let you cancel and leave. He finally cancelled and I get a message stating I will be charged {$130.00}. They did absolutely nothing. My account remained the same they sent nothing out on my behalf and I cancelled like they stated within the time frame, but because they are closed and know they have gotten my email they are stating that is their general email mailbox. That should not matter as it is attached to their company and is there on file for them to look at. This company is super shady and once they have you in the company refuse to let go of you until they get some sort of money even for services not rendered. I will also be reporting to my credit card company. They need to be closed down.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: FIRST NATIONAL BANK OF OMAHA
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I paid my account in full, no warning showed up that there were any interest charges pending. {$2.00} and some change in interest charges kicked in after I Paid the balance in full. No email or other warnings were sent until I logged in to my account and found out that the {$2.00} was built up to {$26.00} and have been reported on my credit report as late payment. I have two cards with this bank and both of my cards should have been on auto pay but this particular card for some reason was n't on auto-pay but should have been on auto-pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
The following inquiries on my TransUnion credit report does not belong to me. These inquiries are the result of XXXX security breach. The inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-11-07
Company: Upstart Holdings, Inc.
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Date I pay money for recharge XXXXXXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX Total I pay XXXX to recharge After recharge they block my XXXX numbe. I try to contact with other number but he didn't talk to me and didn't give my recharge money back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: EQUIFAX, INC.
State: PA
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: Madison Management Services, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Shortly after I purchased my home, I had to have the windows replaced. The contractor I hired to do the work financed the windows and I was making payments on the loan. Then they sold the loan off and I was paying a different company. Then the loan moved over to another company and they stopped sending me statements and disappeared. I could not find out who I owed the money to and thus I had no one to pay. I tried for over three years to find who is holding the mortgage on my home and was unable to find them. A few years later I tried getting a loan on my home through XXXX XXXX, but they said I had a lien on the property for the loan on the windows. I was floored and now my property apparently is in foreclosure with a new company, Madison Management Services. I was getting help from them, but the lady who was helping me quit and the person who took over for her is incompetent. I can not get any traction on getting into a repayment plan and they have my home in foreclosure. My current income is sufficient enough to make payments on the loan and I want Madison Management Services to take a step back from foreclosure proceedings and initiate a proper review to resolve my mortgage issues. I was hoping that your agency would reach out to them to get them to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: EQUIFAX, 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:
In accordance with the fair credit reporting act XXXX  Acct # XXXX 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 an account with out my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: LoanCare, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I received a Payoff statement on XXXX XX/XX/2021 for the amount of {$610.00}. I immediately sent a wire from XXXX XXXX. That wire was never accepted so I sent a wire through XXXX XXXX for the amount of {$610.00} to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX Account name : XXXX XXXX XXXX  XXXX # XXXX, Account number : XXXX, Attn : Payoff Department. 

I have been calling with no results. I have sent multiple e-mails to multiple people with no success. All I want to do is payoff my mortgage. They have locked my account online so I can not do anything through my account. 

I have copies of all the transactions. 

Now they are saying I am late yet I am paying off my loan 10 years early. I don't understand. Please help. 

XXXX XXXX XXXX XXXX cell

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 2019-11-20
Company: First Data Corporation
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a first notice in XXXX for payment of {$3100.00} from TRS Recovery Services, SM stated that on XX/XX/XXXX at XXXX XXXX that I had written a check to XXXX XXXX XXXX XXXX in XXXX , NM XXXX. Apparently, the check was not cleared and they want me to pay back. 
In the first notice, my last name was incorrectly spelled. I have contacted XXXX XXXX XXXX  on XX/XX/XXXX at XXXX and spoke with XXXX ( declined to say last name ) who confirmed that they have no record of my check written to XXXX XXXX and she referred me to XXXX XXXX at XXXX. I called XXXX XXXX who kept asking me for my name, SSN # and date of Birth in order to check her file. I also called back TRS Recovery Services at XXXX or XXXX and thereafter I spoke to them, they asked for the correct spelling of my last name. 
I received a 2nd notice from TRS Recovery services asking for copy of my bank statement and checking acct #. 
I checked with my bank officer who stated that that check never hit my acct and acct # on that statement is not my acct. 
I have requested a copy of the check from TRS recovery and have not received yet. 
I live in XXXX, NM and was at work on XX/XX/XXXX and signature on check is not mine. Thank you for your help. 
Please help/

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 2017-10-22
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sent a wire transfer to Coinbase for XXXX XXXX dollars at the end of XXXX, beginning of XXXX and have not seen the money show up in my account and I have not had It sent back to my bank either. I made numerous attempts to send in the proper identification they asked for and actually gave then the same files they needed multiple times just to be sure. Since then that have continued to tell me It will not be XXXX5 business days but that is no longer credible as they just have stopped trying to work with me. I have since sent them over 10 different new email threads in this time period to no avail and Coinbase took my XXXX and I have not seen it since.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
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:
In accordance with the fair credit reporting act XXXX  Acct # XXXX 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 an account with out my written instruction

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 2021-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a pre-approved credit card application from Capital One even though I have frozen my credit. My understanding is that we should never get such an application while by credit is frozen. I don't want this type of application in my name in the mail or anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Financial Data Systems
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company has place 6 collections on my credit report and I have no knowledge of this company or original creditor. I mailed a certified letter to this company on XX/XX/2021 requesting debt validation with no response. I sent a reminder to respond on XX/XX/2021, and still no response from this company. I am requesting the 6 accounts to be removed from my credit reports immediately. This company has intentionally not responded to my request,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: EQUIFAX, INC.
State: CA
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 filed a dispute with Equifax in regards to the incorrect items on my credit report, it has been well over 30 days without receiving any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX Account Number XXXX, has violated my rights. 
Per 15 U.S.C Section 602A, states I have the right to privacy.

Per 15 U.S.C Section 1681 Section 604A Section 2, states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account Number XXXX - Account Number XXXX, has violated my rights. 
Per 15 U.S.C Section 602A, states I have the right to privacy.

Per 15 U.S.C Section 1681 Section 604A Section 2, states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX Account Number XXXX  15 U.S.C Section 602A , states I have the right to privacy. 
15 U.S.C Section 1681 Section 604A Section 2, 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 2017-10-22
Company: GREAT LAKES
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My student loans are currently reflecting incorrectly on all of the major credit bureaus. I have investigated and just now sent in for a complete investigation/audit to XXXX for refund issues with XXXX Kentucky  University and XXXX XXXX XXXX. 
Since obtaining my loans I was never properly Advised that by not doing a small income driven payment I would be saving myself apparently now thousands of dollars. Each time I have contacted them I was placed only on a forbearance. 
As of now XXXX XXXX is reflecting the following to the bureaus which has my debt to income ratio WAY over the limits and is causing me to not be able to obtain loans and causing me negative harm and higher premiums on loans and insurance. 

I tried contacting the consumer to find out why the balance ( amount that I have borrowed is right @ XXXX more than the what I originally borrowed ) and I get no where but transferred around. It can not be possible that I have generated XXXX interest on my account and if I have it is their fault for not placing me on a program where I would have at least been paying the interest while I was in school. They false advertise and their customer service lies to students about the options they have. 
According to the FCRA if ANY Company falsely reports information and the Bureaus do not fully investigate ( which I have asked to do on multiple occasions ) They are required to remove this account from my files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXXXXXX Account Number : XXXX ACCOUNT REPORTING BALANCE BUT IS CHARGED OFF THEREFORE IN VIOLATION OF FCRA!! 

XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX These TWO ACCOUNTS ARE PAST THEIR STATUE OF LIMITATIONS!!

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 2021-02-18
Company: Aldridge PIte Haan, LLP
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paid this account and was told I would receive a letter showing that it is paid and cleared and have been getting the run around on receiving the letter. This account is paid and I need letter verifying this account is paid and settled.Paid this account on XX/XX/XXXX, was told I would have a letter XX/XX/XXXX, now being told it will be XX/XX/XXXX and can only receive it in the mail, not by email. You have been paid, send the letter that it was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: I.Q. DATA INTERNATIONAL, INC.
State: IN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
id int has put these XXXX XXXX XXXX and i have never lived there ever this is not mine I have to know knowledge of this account and it need to be deleted from my account so I can get me an apartment for me and my XXXX children to live so please delete this immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation