BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I was under the impression that I was hired for a job as a remote XXXX XXXX XXXX for $ XXXX hr.For a company called XXXX XXXX XXXX XXXX I was told that they needed to sent me a check for the all equipment I would need to start the job ; they advised me they would need me to send payments to the vendors for so they can sit up and send the equipment. I deposited the check and they advised to send to XXXX XXXX. I sent two payments one for {$590.00} and one for {$400.00}. They also advised to send via XXXX XXXX XXXX XXXX blocked the payment as fraud. I called USAA to report the fraud incident hoping they would help resolve my case especially since I have been a member for over 20 years. 
When I called I was advised that XXXX transfers are not protected. I offered to send all documents. The rep at USAA advised that since it was a XXXX transfer no evidence is needed. I would like my account corrected and adjusted and the perpetrators be punished for fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Experian Information Solutions Inc.
State: SC
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2019-06-19
Company: EQUIFAX, 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:
Hi my name is XXXX XXXX and I am contacting you because I have had continuous problems with XXXX  XXXX  and Equifax putting inaccurate information on my credit reports. I am XXXX and also have a XXXX child and this is causing a tremendous strain on my life and also the welfare of my childs life. Please make these companies remove the inaccurate information because it is fraudulent and does not belong to me so I want it removed off my credit reports at once. First I would like the following hard inquiries removed because they are fraudulent and do not belong to me XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX I want this removed from all my credit reports at once because this does not belong to me it is fraud, I also would like removed XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX - All Banks I want this removed right away because this is fraudulent and I did not apply for this I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-03
Company: Experian Information Solutions Inc.
State: IL
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 tried without success to get an erroneous hard inquiry removed from my credit report since XX/XX/2020. I have followed all of Experians directions ( they changed multiple times ) with no success. The Merchant XXXX XXXX XXXX stated they submitted a letter and changes through Experians portal multiple times. I contacted Experian many times since last year. A few months ago I was able to speak with a representative who actually attempted to assist. She called the Merchant and setup a conference. It was learned the letter that was sent by the Merchant had a XX/XX/2020 date and the Merchant needed to resend the letter with XX/XX/2020. I provided both letters as a reference. It was agreed during the call the Merchant will send the letter to my email and I would attempt to upload it on Experians portal. After more than twenty minutes and multiple browsers the file would not upload. The representative requested that I send the letter via postal mail and as soon as they receive it they would remove the item. I sent the letter certified XXXX tracking # XXXX XXXX and they still refused to acknowledge receipt. I issued a complaint with the XXXX  and Experience has yet to acknowledge the report. Yesterday I received an email from Experience however they provided no information regarding resolving the complaint. I then called them this morning ( XXXX ) and the representative stated they received my letter but did not receive the Merchants letter. I told her that is impossible because both letters were in the same envelope. At this point it is my belief Experian has no intention of resolving this issue. XXXX  corrected the error within two months and XXXX  after a XXXX  complaint. I also thought that paying for a Experian membership would assist in getting these errors corrected but it was a waste of six months of payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Ok so I opened this acct when bit coin was about XXXX a coin. Some one hacked the account. So when I logged in I saw that my acct went up tp XXXX dallars in bit coin and it was stolen a while ago. I can not access the account anymore cause they wont let me!!! I did not authorize or make this withdrawl and my acct was supposed to be locked! So it also told me that if I had not withdrawn the money, today, or at that time it would have been worth XXXX!!! So now they will not respond and im locked out of my acct. My user name is XXXX. Please help me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, I called a number I believed to be XXXX support, having received a notification that an unknown person had logged in with my XXXX id on another phone. I was connected to a man who identified himself as a fraud specialist who instructed me to download a screen sharing app. He directed me to settings and showed me numbers that he said were large amounts of money that hackers were spending via my phone. In the course of the next five or so hours he had me make XXXX and XXXX payments to friends who then sent the money back, make two transfers via Citibank 's XXXX component and finally to transfer {$12000.00} to the account of XXXX XXXX at XXXX XXXX XXXX, all in a supposed effort to thwart the hackers. He made every effort to keep me on the phone. At a certain point, around XXXX XXXX, I realized that he was an impersonator and hung up. I called the bank immediately and they stated that they would begin an investigation. 
The bank never contacted me while these expenditures and transfers were going on. I received no alerts from the bank. Their denial of refunds pursuant to fraud are based on the claim that the transactions could be considered normal banking activity. 
I have an overdraft protection ( Checking Plus ) for the amount of {$8000.00}. This was entirely depleted by the wire transfer, so that I now owe the bank {$8000.00}. 
I have never previously used XXXX, never wired large amounts of money anywhere, have always maintained a positive balance in the account and write checks to two or three entities a month at most, in which light I fail to see how the rash of transactions reflected in the attached documents constitute " normal banking activity. '' While I of course accept responsibility for my gullibility and foolishness, I also think Citibank bears responsibility for allowing so many substantial and highly unusual transactions to go forward unquestioned and that they failed to meet the standard of stewardship of my assets consistent with their charter.

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 2022-05-19
Company: Experian Information Solutions Inc.
State: NC
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 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 without my written instructions. 

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 non-monetary relief
Consumer complaint received 2019-10-09
Company: Home Credit Corp. Inc.
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Someone use my identity two years ago to get a car they checked 19 financial place to be approved I guess home credit was the one to approve them they got the car and now they continually contacting me to pay the bill when I pay for all my car cash and used I contacted the credit bureaus about theses list of inquiries before I got ask 100??? But they were never took off XXXX XXXX when I contacted the place about it they sent me a letter saying the car was sold at a private sale but what that has to do with my identity being use without my approval

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was already on the XXXX plan ; but the XXXX website has a banner saying to " re-certify now '' so I did it. I thought I was being proactive and just re-certifying early - as prompted by the automated message on the homepage. 

Turns out, doing so just started the process from the beginning. Now my loans ( which were already on the XXXX plan for two months ) are accruing interest under 'Administrative Forbearance ' as my new XXXX plan begin date is XX/XX/XXXX23. 

I spoke to two company representatives yesterday. The first one told me that the interest would be waived retroactively. The second one said that this is misinformation and that I was never on the XXXX plan to begin with. 

This is not true. I have the acceptance letter dated XX/XX/XXXX2023 to prove it. 

My question is : Is there a way to honor my original XXXXXXXX  plan status? I was shocked to find my loans accruing interests. My monthly payment is the same on both acceptance letters- {$0.00}. It feels as if I am being punished for trying to be proactive. I also feel misled by the banner on my account ; which is what encouraged me to " re-certify '' in the first place.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-05
Company: Nelnet, Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Nelnet keeps reporting to the 3 credit bureaus that I have open accounts with them that all have balances on them. This is incorrect. All of my accounts with Nelent were transferred/consolidated/paid off by XXXX in XXXX. I disputed these accounts with the XXXX on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX All of the disputes came back with results saying that Nelnet reviewed the account and they are all correct. My debt to income ratio is suffering drastically because my credit shows 10 Nelnet loans that shouldn't be there. When I spoke with Nelnet after each dispute the representatives tell me they can not legally remove them from my credit report and it can take years for it to show that it's been closed. This is incorrect because my XXXX accounts were also transferred to XXXX and they are already showing closed with a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX, XXXX Invoice received from my XXXX XXXX XXXX Service showing a charge of : {$90.00} and {$11.00} for CREDIT CARD FEE ASSESSED This is not a problem with my XXXX service, it is with the fee that Chase charged them to process my purchase. 
Chase Bank.comXXXX You have my name and contact information. 

As you probably are aware : " In XXXX, credit card companies in the U.S. earned {$120.00} XXXX from processing fees charged to merchants. The money they made from these fees increased at a faster rate than the actual money spent on purchases -- and recent reporting suggests that XXXX and XXXX intend to raise fees further in XXXX and early XXXX. '' ( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient cashed check but didn't put towards balance of private loan. There federal loan is NOT even on the soft pull report. They put a federal loan number on my check and asked me to make payment for private loan even though they cashed it for a federal loan. Also, you are asking for money prior to XXXX time line. I sent XXXX so regardless it is sent but in mean time this all should be resolved. All the star XXXX money is cashed checks through navient should be private loan. XX/XX/XXXX, XXXX usd, XX/XX/XXXX, XXXX usd, XX/XX/XXXX XXXX usd

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
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:
I have paid off the reported debt amount of {$150.00} in full but I still see this amount shows as unpaid debt in my credit report!

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 2023-06-05
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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2022-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I filed a previous dispute because all of my student loans with XXXX XXXX are paid off. They removed all but XXXX of the student loans. I have notified them and also the credit reporting agencies and XXXX XXXX still won't remove the balance and report the loan as paid.

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 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2021-08-13
Company: EQUIFAX, INC.
State: UT
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/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2023-08-22
Company: MID FLORIDA FINANCING LLC
State: GA
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:
My car was repoed in XXXX I have yet to receive a letter of intent to sale to the auction the bank says they dont have to give me that information but I looked it up and thats a XXXX XXXX please help me as I get my lawyer involved

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: PLANET HOME LENDING, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
i applied for a VA streamline refinance with a lender other than the current one. i realized i not did have the Note in the package provided by the original lender. i have tried for a month to obtain the note from current lender. i need your help to obtain a copy of the note from current lender to consummate my refinance.

Company response to consumer: Closed with explanation