BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-13
Company: Early Warning Services, LLC
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I purchased a product from a website. This website had a phone number and address. A representative called me and offered me a 15 % discount if I paid by zelle which is a service offered by XXXX XXXX. A payment of {$330.00} was made to a rep from the company named XXXX XXXX  at phone number XXXX XXXX XXXX. After payment was made, I received a shipping update and then nothing. The business phone number has since been disconnected. The amount of money lost is {$330.00}. I contacted Zelle directly and THEY stated that I had to contact XXXX for a claim. On XX/XX/XXXX, I contacted XXXX by phone and opened up a claim. I was told that the {$330.00} would be returned and a investigation would be opened. I offered copies of my documentation but they declined stating, " we wont need it ''. On XX/XX/XXXX, I received a letter from XXXX stating that my claim was denied because the purchase was valid? XXXX has failed to help me with this fraudulent case. Zelle needs to reverse the funds and return them to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Westlake Services, LLC
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I initially was trying to find out how voluntary repossession works. The gentleman I spoke with would give me any information untill I said yes that I do want to do a voluntary repossession. Since XXXX the company West lake financial has has called me at least 2 to 3 times almost every day since. I have tried to talk to them several times but due to poor communication between myself and their representatives I dont feel like any issues have been as resolved as they could be. I believe it was XXXX that the voluntary repossession took place. Several days ago I received a letter letting me know the car would go to auction. I knew that letter would come. As I am writing this I just received a call from them. It is the second call of the day. They are calling at a rate that has been feeling like harassment for awhile now. I am now waiting for the car to be sold at auction to find out what the deficiency balance is going to be. Then I can work towards getting that paid off.

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 2022-12-13
Company: Winklevoss Exchange LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Gemini 's EARN 's XXXX has been past for funds to be deposited and its been more than XXXX times the XXXX from the date of initiation. this is impacting my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
There seems to be an error on my consumer report furnished by XXXX XXXX  and XXXX XXXX On my consumer report, there is a late payment reported and a fraudulent account which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that XXXX XXXX and XXXX XXXX is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is XXXX XXXX and XXXX XXXX attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has XXXX XXXX and XXXX XXXX has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.

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 2022-08-02
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:
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 Commission theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible

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 2020-01-03
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
I paid Experian to protect my personal information and they had a data breach me and children socials emails and etc were exposed i want to sue 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 2021-01-17
Company: Experian Information Solutions Inc.
State: RI
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 I fill for Bankruptcy Chapter XXXX at United States Bankruptcy Court for the District of XXXX XXXX . My Creditors ( the ones appear on my Credit Report stated " ..Debit included in/or discharged through bankruptcy Chapter XXXX.. '' on XX/XX/2020. I do not disagree. Only one Creditor did not proceed same way XXXX XXXX XXXX XXXX XXXX XXXX. 
I came to talk after a few attempts ( only record on other side ) within a men XXXX ( XXXX ) to ask why the Institution does report late payments when that Personal Loan were included on Bankruptcy? His answer were " Loan not paid yet ''. Strange are after that call came to appear on my Credit Report " Charge-off ''. Is that legal? I read articles that Experian post periodic and I remember to read that charge-off come to appear 180 past due, this one only 90 days and on following month came appear charge-off. 
The effective date of confirmation of the Plan by the Federal Bankruptcy Court are XXXX. 

On my Credit Report also show " Accounts ever late 12 ( twelve ). Why that appear when all creditors report on XX/XX/2020 the debit are included on bankruptcy chapter XXXX? They not report nothing on the following months.

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 2022-08-02
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:
15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 A .Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1692 Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

According to the provision of the Fair Credit Reporting Act 61 1 ( a ) [ 15 USC 1681i ( a ) ], these items must be deleted from my credit report within 30 days. In the interim, if it is determined through your investigation that the disputed item is inaccurate, please remove from my credit report and send me notification that the XXXX XXXX Potentially negative information has been updated and removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
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:
These account that are on my credit report are inaccurate and are fraudulent I have no knowledge of these accounts. I never applied for any of these account and I been a victim of identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: LA
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 sent a letter on XXXX, XXXX to remove these items, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # 's XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXX Balance : {$55.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$55.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
To Whom this May Concern :   XXXX     I sent out letters to all three bureaus pertaining to a bankruptcy on my report. I asked the bureaus to send me documentation with my signatures and how they verified this information. The bureaus stated that the courts verified this information to be true and accurate. I got a letter from the court stating that they do not verify nor submit any information to the credit bureaus it goes through 3rd party companies such as   XXXX   XXXX   which is against  Federal Law   XX/XX/XXXX    the bankruptcy was removed from my equifax report then later it was placed back on. I need to speak with someone about having this information removed from my  Public Records

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 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 sent a letter on XXXX, XXXX to remove these items, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # 's XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXX Balance : {$55.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$55.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-18
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My wife and I borrowed money for college from the years XXXX. We both had Stafford loans and shortly after we got married in XXXX we began making payments on our student loans. At the time, it was " XXXX '' that serviced our Stafford Loans. Unbeknownst to us at that time, as young and inexperienced borrowers, we decided to consolidate our student loans together at 6.875 % and begin paying on them together. 

Well, it wasn't long after that that we realized we didn't have the money every month to make the payments we were required to pay and so we put our loans in deferment. Due to circumstances out of our control in the following years, we still were unable to pay on our student loans and we ended up putting them into forbearance not realizing that our loan balances were continuing to have interest appreciate on those balances. 

About ten years ago, Sallie Mae was taken over by Navient and we were told to put our loans in forbearance again. But by then, we had already accrued a ton of interest on our loans. We finally went into an XXXX plan while our loan continued to accrue interest and we made very minimal payments on the loans. The amounts we were paying were simply paying interest and we had no hope of any of that money every going towards any principal. 

Fast forward to XXXX where we are still making payments on these loans with no hope of ever paying off the balances. Navient has done nothing to help us figure out if there are other options to determine how we can ever pay these loans off. Our income is slowly starting to grow as my wife and I have had new jobs and we are watching our IBR payments continue to rise while none of these payments go to help us pay off any principal. 

Over the years, we have been pushed into forbearance before being given the option of IBRepayment, thus accruing ridiculous amounts of interest onto our principal balance and now, {$45000.00} worth of original student loans has grown to over {$94000.00} of repayment. Interest accrues daily and we still are watching our loan balance climb with no way of making a dent in the principal. 

If there is any way we can get some relief from this growing mountain of debt that just continues to grow ... we would be grateful. Navient has simply taken advantage of people like us in a needy situation and profited off of us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX  XXXX XXXX Balance XXXX {$4000.00} XXXX XXXX XXXX Balance : {$290.00} XXXX  XXXX XXXX Balance : {$13.00} XXXX XXXXXXXX Balance : {$800.00} XXXX XXXX XXXX {$0.00}

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 2022-08-23
Company: Early Warning Services, LLC
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I sent {$50.00} via Zelle to an alleged company to cover shipping of a package from XXXX to the US. I believe all of the scammers are in the USA though. It seemed legit at first but as the conversation went on and based on the repeated requests for money, the insistence that it had to be received right away and then the fake XXXX  invoice received afterwards asking for even MORE money, I realized I had been scammed. This happened from XX/XX/XXXX through XX/XX/XXXX. Money was sent today. 
The scammers ised the XXXX app and impersonated a popular XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4100.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly

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 2022-08-23
Company: Bread Financial Holdings, Inc.
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX 's Credit Card uses Comenity Bank, XXXX XXXX XXXX, XXXX, OH XXXX. 
Comenity has charged repeated late fees and exceptionally high interest rate charges to my account even though the account purchases were paid in full. I tried calling the bank regarding the XXXX late fee in XXXX, but the bank was not accepting any calls. The bank had a recording saying they had a system issue and were not charging customers late fees during this period. I asked them to reverse the late fees when I received my XXXX statement. They said since the payments were received 5 days late they could not reverse the late fees. I explained that I had tried contacting regarding the late fees, but they would not accept any customer calls. I now have 2 late fees and exceptionally high interest charges totaling {$86.00} for 2 months. I have now cancelled the card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Transunion is in violation of Fair Credit Report Act ( FCRA ) and breaking several other federal laws. They are reporting late payments on my consumer credit report that have not been verified at all before reporting them to my credit report. Transunion is not abiding by the laws before reporting things to my credit report. They are also in violation of the Gramm-Leach Bliley Act ( GBLA ).

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 2021-10-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
got a call today and message left was that they were calling from Amazon and there was fraud on my account and to please call back on the number XXXX XXXX. Of course I did not call that number. If there was any fraud I would have been contacted by the bank who has my Amazon account ... Chase bank. Just want to report the number

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2022, I sent Experian a certified mail letter requesting information in which I have yet to receive a response! Experian is in violation of my rights as a Federally protected Consumer!

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 2022-09-29
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Any debt that I have had with XXXX XXXX XXXX and XXXX XXXX XXXX has been paid. I submitted proof of payment and this is still showing on my report. XXXX is not doing its job and violating my rights. Looking for an attorney to sue both progressive and XXXX for violating my rights. Failing to properly notify.

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