BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 3. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 4. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately 5. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately

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 2022-07-06
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
There are multiple addresses that are not exactly correct on my experian report. I sent a letter to experian with my id, ss card, and utility bill. Experian is refusing to delete incomplete and inaccurate information. They stated that I need to contact the creditors that are reporting the incorrect addresses but I currently have no business dealings with said companies. i want these addresses removed.

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 2020-12-03
Company: AES/PHEAA
State: MA
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:
I have been receiving multiple harassing phone calls from American Education Services and have sent them a certified letter to stop contacting me and they have refused. 

They are not offering me any feasible payment plans and continue to bombard me phone calls and offer no real solutions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: WAKEFIELD & ASSOCIATES, INC.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In late 2018 I somehow have a debt for some medical services that should have been paid by the state system

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
In late XXXX, I matched with a woman named XXXX XXXX on the dating platform called XXXX. We continued our chat through XXXX. She introduced me to a concept called liquidity mining pool in which one pledges tether ( XXXX ) in order for that cryptocurrency to be used for the pledgor to receive ethereum coins as rewards. I entered into this process by first wiring and sending funds up to {$75000.00} to Coinbase in order to be a part of this mining pool. I purchased tether on Coinbase and sent the tether to my Coinbase wallet. From my Coinbase wallet, I accessed through the Coinbase web browser this website : XXXX. From there, my wallet became attached to a node from the XXXX website. On the XXXX of this week, I tried to withdraw my funds back into my Coinbase wallet. The website is forbidding me from doing so unless I pay {$42000.00} in taxes to the mining pool. If I dont pay by XX/XX/XXXX, my funds will forever be frozen. I need immediate assistance. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To whom this may concern, I wanted to reach out in regards to the following accounts : Department of EDXXXX XXXX These accounts are reporting inaccurately and violating my FCRA rights as I am entitled to accounts on my report being accurate and verified. XXXX has removed these accounts because they were unable to properly verify it. { Please see attached file } Im confused as to why you are still reporting these accounts and you have access to the same information that XXXX does? Please send proof that these accounts have been properly verified or remove these accounts from my reports immediately. 

Regards, 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 2017-05-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
CHASE has not responded on how a former WASHINGTON MUTUAL personal checking account became  XXXX  account. According to CHASE my checking account number also became a business account when CHASE acquired WAMU. Their compliance dept closed the checking account without due diligence. CHASE has not attempted to rectify their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Good morning, an account from XXXX XXXX XXXX {$1300.00} keeps showing on my credit report and I believe it to be fraud. I have not had any business with this company nor authorized anyone to use my information to obtain credit and now this negative account is tarnishing my already great credit rating. Please help me remove this account in a timely manner.

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 2020-01-17
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
XX/XX/XXXX- First contact with XXXX. They left me a voicemail stating that have a Case number XXXX that they are filing with XXXX County in Texas on behalf of Ace Checking Cash. Their phone number is XXXX I spoke with multiple people and agreed through their automated system to make 3 months payment to pay of {$640.00} balance. I requested confirmation for setting up the payment, paperwork to validate the debt, and a letter identifying who they are. They refused to send anything. 

XX/XX/XXXX- spoke with XXXX XXXX XXXX Requested an itemize of the amount owed/debt validation letter and a confirmation of the payments scheduled to draft my account monthly. She responded and said they won't send anything until it is paid off. She advised they only way to get what I want is to stop the monthly payments and they will take me to court. I asked her are they able to practice law in the state of Texas and she never gave me an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Regarding my XXXX Chase Credit Card, Earlier this year I transferred a balance from one credit  card to the XXXX Chase Credit Card at 0 % interest for 12 Months. A few months later I had to make some purchases on the credit card at the normal interest of 23.99 % APR. 

Over the next few months I started to notice the payments I was making, may have been applied partially to the balance with interest and the amount that had 0 % interest from the balance transfer. 

Before overreacting, I called Chase XXXX to determine if my payments were being applied to the balance with interest and not the balance without interest as indicated in the agreement. The customer service representative assured me that all payments made to my balance are first applied to the portion accruing interest first, then if that is paid off the remainder will start to be applied to the portion that has 0 % interest. 

To ensure this was happening here are my last two statements ; the most recent statement shows a XXXX payment made to my account in XXXX. 
On XX/XX/XXXX Balance Interest Charges Purchases 23.99 % ( v ) ( d ) - {$5700.00} {$110.00} Cash Advances 26.74 % ( v ) ( d ) - -XXXX- -XXXX- Balance Transfer 23.99 % ( v ) ( d ) - -XXXX- -XXXX- Balance Transfer Promotion 0.00 % ( d ) XX/XX/XXXX {$2800.00} XXXXXXXX XXXX  Statement shows the following payment structure : Previous Balance {$8500.00} Payment, Credits - {$3200.00} Purchases + {$41.00} Cash Advances {$0.00} Balance Transfers {$0.00} Fees Charged {$0.00} Interest Charged + {$84.00} Total Remaining- {$5400.00} In the following pages on the statement, this is the breakdown of my charges. 
Balance Interest Charges Purchases 23.99 % ( v ) ( d ) - {$4100.00} {$84.00} Cash Advances 26.74 % ( v ) ( d ) - - XXXX - - XXXX - Balance Transfer 23.99 % ( v ) ( d ) - - XXXX - - XXXX - Balance Transfer Promotion 0.00 % ( d ) XX/XX/XXXX {$2500.00} - XXXX - So if all payments made to my account are first applied to balance 's with interest, shouldn't my total balance with interest be shown as {$2500.00} instead of the higher priced {$4100.00} as shown above?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Experian Information Solutions Inc.
State: VA
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:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX {$2300.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2020-01-17
Company: HW Holding, Inc
State: TX
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: Problem with personal statement of dispute

Complaint:
I moved into the house and made my report of everything that needed. The realtor guaranteed that everything would be fixed within 30 days. The house was unsafe with tiles broken that cut my foot walking across it, the stairs were completely broken and my mother almost fell off due to it. The realtor sent a guy out and all he did was dig a brick out of my yard and put it under the stairs to try and prop it up and the problem wasnt solved as as soon as I stepped on the stairs it feel apart again. After that the problem was never addressed again. I made multiple reports and had many conversations with these problems with no response to fix the problem. They did come to fix the tile bye adding grout but that came out within a few weeks and the problem returned. I also reported that there were holes and gaps in the flooring and rats and snakes got into the house. They didnt fix it either. So after 4-5 months of this I had no choice but to move out as it was completely unsafe to have my kids and family in. I broke the lease as they wouldnt fix the issues. I paid my rent on time every month regardless of the problems not being fixed and they had no concerns about fixing the issues. I went bye the house less than a week later to get my mail and someone else was already living there and they want to report on my credit report. And I didnt owe them any rent as I was not behind. What was I supposed to do stay in a unsafe house. I dont think so

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX I have several issues on my credit file. I have only one name and it should appear as XXXX XXXX XXXX!! Please remove all other variations of my name. My DOB isXX/XX/XXXX my SS# XXXX please update. i HAVE NEVER LIVED IN XXXX OHIO please delete remove the following addresses:XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX, XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX,XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX  , XXXX XXXX  OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX , XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX. Please forward me a copy of my updated report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
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:
Contacted me through email, address was " XXXX '' ( XXXXXXXXXXXX ) Documents attached state " XXXX XXXX XXXX '' and " XXXX XXXX XXXX '' Asked to send verification via usps, received letter from " XXXX XXXX XXXX '' return address checks out as a courthouse in CA. Letterhead states " professional litigation '' and " ... this law firm.. '' This firm also claims it had sent mail in the past. I have not recieved anything until recently. A " mimi-miranda '' or " attempt to collect '' was also not sent. 
As I feel more comfortable sending corresponsdence via certified mail, the courthouse address is not acceptable, especially when one is expected to send bank card info back via email ( XXXXXXXXXXXX ) or by fax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Yet again you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being report accurately. Additionally, please provide the name, address and phone number of each person who personally verified this account, so that I can inquire about how they " verified '' the alleged account, without providing any proof, bearing my signature. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally bound contractual obligation to pay you the alleged amount. An employee looking at a computer screen, seeing my name listed in their database is NOT verification or validation of any debt. 
Be aware that I am making a goodwill attempt to have you clear up this matter. The listed item entirely inaccurate and incomplete, and a represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

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 2017-05-31
Company: TRANSWORLD SYSTEMS INC
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I filed bankruptcy in  XXXX   XXXX . My bankruptcy was  discharged   XXXX   XXXX . I am in the process of buying a home and I frequently check my credit report. On Friday  XXXX / XXXX / XXXX  there were  XXXX  collections totaling just over {$14000.00} on my credit report from a company called Transworld Systems INC. I called not understanding why this was just simply placed on my credit report and no one would answer my ques tions. They referred me to a lawyer who stated he did not have my student loan accounts. When I called Transworld back and asked for them to show me validation of these loans they have been unwilling to do so and they are unwilling to take off of my credit report. They can not tell me where the loans originat ed from or show copies of my promissory note. They did not warn me with calls or letters stating that I had anything in default so I could attempt to pay it before it went to collections. They do state that they have my correct address and phone number. I need help with this immediately due to this could potentially stop the purchase of my home. I have always paid my student loans and simply want a chance to pay them without a default but I have not been given that opportunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX WAS PAID IN FULL AND CLOSED BY USER IT WAS ALSO NEVER LATE. IT IS SHOWING 60 DAYS LATE AND CLOSED BY CREDIT GRANTOR. I WANT IT RESTORED BACK TO GOOD STANDING.

Company public response: Company 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: FL
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 XXXXXXXX XXXX XXXX XXXX XXXXt number 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 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