BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-16
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I left from being a resident of XXXX of XXXX in XX/XX/XXXX. I told them I would no longer be a resident in XX/XX/XXXX and to switch me to month to month until I finally leave in XXXX. They said no problem. Upon moving out in XXXX and turning in my keys in the drop box. I get multiple calls, telling me that I did not expressly notate when I would be moving out and therefore owe another month 's rent. After speaking with the lady for about 2 weeks about how I told them almost 3 months in advance. We compromised, so they told me I owed a few payments of however much, this is after they took my deposit from me. I make payments 3 which were the agreed amount. They call me a month later and express I still owed additional final payment of XXXX - XXXX dollars. I disagree, I asked them to send me information to verify how much I owe, they do not. I asked them to forward me my mail from my residency there, they also do not. Of course, for the most part I have e-communications for most of my information, however the lack of cooperation and the continual adding of balances which are never verified are ridiculous. I then get a call XX/XX/XXXX from a collection company after purchasing said balance now the amount owed XXXX dollars. Again, I asked for verification of debt, or information about the balance and information that says I agreed to selling my information over to a third party. No information was given, even now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions 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 has been drawn out that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX Balance : {$580.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$550.00}

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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : 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 2022-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In XX/XX/2021 XXXX completed a hard inquiry and I did not authorize this inquiry. I want it removed. I have not used them in years and they need to stop looking at me. I did not authorize them to do so.

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 2018-03-13
Company: Coinbase, Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XX/XX/XXXX : I deleted my old number associated with my coinbase account ( to update new phone number ). I was locked out of the account and got an error - 'Account recovery process could not be started because you don't have primary phone number '.

Submitted support request.

XX/XX/XXXX : Received mail from coinbase support about reversed transaction on XX/XX/XXXX of {$2700.00}.

Got reply from coinbase support to create new account, finish Identity Verification procedure and wait for funds transfer.

XX/XX/XXXX : Told to wait for fund transfer.

XX/XX/XXXX : Mailed coinbase for assistance to choose alternate payment since I could still not access my account.

Still No response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: AL
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 XX/XX/XXXX, to remove these items that 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/block any items not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous complaint & I am including it again., 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 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 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 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 XXXXXXXX

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 2018-10-08
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Was approved for a loan, but didn't receive money

Complaint:
On Friday the XXXX of XXXX, I applied for a loan for {$10000.00} through One Main Financial in XXXX Iowa. I spoke with XXXX at that office and he requested specific information which I provided. He then asked for various documents which I had to wait until Monday ( today the XXXX ) to provide. When he spoke with me on Friday, he informed me that I was approved for a slight amount over {$6000.00}. When I spoke with him today enroute to XXXX to which I was led to believe was to sign the documents, he informed me that I was not approved due to my alimony not being permanent for the stated amount for 2 years. I was not informed of this when I applied for the loan. My alimony MUST be continued for at least two years. To me this is discrimination. 
Additionally, when I spoke with the XXXX office today, I was told that I could use my fianc as a co-signor on the loan and then I was turned down there also due to his recently having completed bankruptcy although his credit score is in the lower fair range. 
I am also filing a complaint in that every loan application I attempted to complete today redirected my application directly to ONE MAIN FINANCIAL. I checked the XXXX XXXX website and it automatically shows One Main Financial. When I went to other loan companies, including XXXX XXXX, I was automatically redirected to One Main Financial. 
I feel that this is a blatant false and misleading representation by One Main Financial. I also believe that they are intentionally misleading the consumers in their manner of using other companies to direct them to their company and also in the methods they are using to decide the approval or disapproval of loans to certain people. I am divorced and rely strictly on my former husbands alimony and half of his social security of which I presently have to pay almost half of that towards my Medicare cost for the next year. 
I would appreciate anything your organization can to do determine and receive a complete and transparent reply from One Main Financial as to WHY they are using other companies to lure consumers to their website only to be strung along thinking they will be receiving their loan ONLY to be turned down upon submission of the paperwork as requested. 
To submit all of the paperwork, I spent over XXXX in fax charges that they did not offer to reimburse me for after denying my loan request AFTER I was approved on Friday. XXXX DID NOT TELL ME it was PRE-APPROVED, he simply asked for the paper work for their records. This was heard on the speaker phone by my fianc who lives with me. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 investigated my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2017-07-05
Company: EQUIFAX, INC.
State: NJ
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:
PROBLEM CASE 1 XXXX The account was opened XX/XX/XXXX for amount of {$500.00}. The payment was paid in full and satisfactory to my creditor as per our agreement. I tried to resolve it for over 1 year. The credit reporting agencies keep on reporting it as Paid, was a charge-off despite that the account was paid in full not charge off ( SEE ATTACHED ). Over 1 year my creditor and I have try to inform the credit reporting agencies to make this correction without luck. The creditor sent a letter to confirm that I made full payment to the creditor to CFPB dated XX/XX/XXXX. See below detail Re : Your XXXX Charge Account ending in XXXX XXXX XXXX Case : XXXX CFPB Case No. : XXXX The creditor agencies reported in my payment status as paid, charge off not paid in full as per attached letter from XXXX. Please can you step in to help me resolve this problem which over 3 years now. <P/>PROBLEM CASE 2 ( Length of credit history ) My credit report from XXXX XXXX XXXX XXXX  open XX/XX/XXXX as per attachment is missing some of my credit transactions including my Mortgage for my first home in XX/XX/XXXX at XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. As a result, my credit report that has result in the credit length reduce over 19 years from 29 years+ to 10 years. The credit reporting agency need to fix the length of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I took this student loan, XXXX XXXX XXXX, in XXXX to finance part of my medical schooling. During residency, from XXXX, I deferred the loan payments by submitting paperwork each year. The loan was due to enter repayment upon leaving residency, on XX/XX/XXXX. I called University Accounting Service , LLC ( UAS ), the company handling the loan, in XX/XX/XXXX to find out about the details of repayment. They sent a status letter on XX/XX/XXXX as the loan was now in repayment, which stated the total loan amount ( {$12000.00} ), interest rate 0 %, repayment schedule of {$100.00} monthly, with the next payment due XX/XX/XXXX. Beginning XX/XX/XXXX, I paid the {$100.00} on the XXXX of each month without fail, with an extra lump sum payment of {$3900.00} in XX/XX/XXXX. The statements I received from UAS through XX/XX/XXXX ( dated XX/XX/XXXX ) had no issues- it always showed that I paid the monthly amount of {$100.00} with 0 % interest rate and had {$0.00} interest balance, and that my next payment of {$100.00} was due at the end of the month, next on XX/XX/XXXX. 

Unexpectedly, this month, I received a past due notice of {$230.00} ( generated XX/XX/XXXX ). When I called to ask what this was about, the representative stated that my monthly payments had increased in XX/XX/XXXX to {$130.00} per month ( this was not communicated to me at all, not by email, mail, or phone ), that my interest rate is 6.25 %, and that interest had been accumulating all year at this rate even though their monthly statement documents showed 0 % interest rate from XX/XX/XXXX through XX/XX/XXXX with {$0.00} interest balance as of XX/XX/XXXX. 

She was unable to help me further and could only escalate by sending an email to a supervisor. I called 4 more times that week in an attempt to speak with a supervisor to understand what was going on with the loan payments, each time being told that no one was available to help me and that someone would get in touch with me in several days. During the last call, the customer service representative hung up the call without completing it. 

When I investigated the interest rate, I found that the prime lending rate in XXXX ( when the loan actually entered repayment after being deferred during residency ) was 3.25 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My name is XXXX XXXX, I have submitted several complaints against Wells Fargo Bank. 
Wells Fargo has sent their response. They thoroughly investigated my complaints. They deposited the money from the unauthorized accounts back into my accounts. They also stated that to close my accounts, that I have been asking them to close for months now. I could go to ANY branch and have them closed. They will not be paying me any restitution for all the damage they have caused me. END OF STORY. COMPLAINT CLOSED. 
Today I went to Wells Fargo to withdraw all the money out of my accounts ( Wells Fargo is now charging me a service fee for my accounts ) I asked to have my accounts closed. NOPE cant do that. I have to make an appointment with a banker to have this done. I also had them print a receipt for all my zero accounts. Guess what? The account that Wells Fargo has told me they refunded my money they stole from me. That is not my account. Does not exist in my accounts. Soooo where is the money that was refunded to me? 
Again, Wells Fargo has lied in every response that has been given to the CFPB. They have and still are stealing my money and NOONE is helping me. I am still living with the identity theft they are still enabling and they gave my refunded money to someone else. 
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 2023-03-04
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
UCC Title 15 sub section 1692e. States a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, have all failed to validate the validity of the debt allegedly owed. They are also violating TITLE 12 U.S code 83, which states No national bank shall make any loan or discount on the security of the shares of its own capital stock. So to fix this inaccurate information on my consumer report i would like for all account to be removed and blocked until i receive proper VALIDATION OF DEBT mailed via certified mail.I would also like to be monetarily compensated for the inaccurate information being furnished on my consumer report due to the mistake i would be expecting this dispute to be resolved with monetary compensation if not i will be taking further actions thank you.

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 2023-03-04
Company: Experian Information Solutions Inc.
State: MD
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:
Experian is falsely reporting a bankruptcy on my credit report. I've tried to resolve this issue before with Experian. The third party that Experian has been using for the information is XXXX XXXX this company cleared stated that it can not identify me so the information that is presented is false. 15 USC code 1681 states that the information is suppose to be accurate. I'm going to provide information that XXXX XXXX clearly states that their company can not identify 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 2022-10-08
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Wells Fargo wouldn't let me access or close out my old account from XXXX after wanting unauthorized fees and other cards in my name I never authorized. Staying with a friend my identity was stolen XXXX. XXXX Someone fraudulent changed over my account information passcode XXXX where I couldn't access bank statements or investigate identity theft the bank said my account was closed but never closed and a data breaches took place now someone has fraudulent accounts and inquiries destroy my entire credit report. Someone without my permission got access to my debit card & pin unfortunately ATM withdrawal of XXXX whole tax refund was stolen yr XXXX. 
No investigation was done or resolution granted

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 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items 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 items which are 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/remove these from my files. 
XXXX XXXX XXXX XXXX XXXX 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 ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$80.00}

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 non-monetary relief