BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-24
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX my account was with no funds, and my monthly {$2500.00} gym membership was deducted and Bank of the west charge me {$3500.00} overdraft fee that was not authorized. Because when I open this account the XXXX ask me what I would like to do if was no funds. And I opt to don't charge me overdraft and simple decline the transaction. They didn't right and don't honor it. I already tried to solve with the bank but nobody answer me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
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 sent a certified letter on XX/XX/2021 to XXXX XXXX XXXX care of XXXX XXXX XXXX XXXX for two debts that I owe. I am presently in a debt relief program ( XXXX XXXX XXXX ) that is settling my debts after negotiating a percentage that will be paid monthly. My original creditor was XXXX XXXX XXXX  XXXX. with a balance of {$1600.00}. The settlement amount was reached by the current creditor, XXXX XXXX XXXX XXXX not XXXX for the amount of {$760.00}. The second debt XXXX which was sold to XXXX that went to collection. XXXX XXXX XXXX which is the current creditor. This account is 13 years old and ten months old which pass the statue of limitation but a settlement was reached for me to pay {$830.00} at which is being paid monthly. My concern is that I notified the Credit Report Agencies regarding the amount owed and the current creditor is not XXXX. Transunion and XXXX sent me a letter to send a certified letter to XXXX XXXX XXXX care of XXXX XXXX XXXX XXXX with documentation to remove from my credit report. It is still on my credit report! Transunion removed one of the XXXX items and then two days later it was back on my credit report. The amounts are incorrect and XXXX is not the creditors! Please Please get them off my credit report. XXXX XXXXXXXX XXXX XXXXXXXX. and XXXX are being paid monthly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: Camelot Financial Services, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I have been harrassed by ace loans of XXXX tx XXXX XXXX XXXX XXXX, XXXX, TX XXXX. I am paid twice a week so my payments are arranged twice a week. I have been receiving harassment phone calls from XXXX. I have spoke with someone on XX/XX/19 confirming a resolution for their actions but I am still receiving phone calls. Ace Loans are calling my employer at XXXX and my personal number at unprofessional times of the day. I recieved a phone call from them twice on XX/XX/19 at XXXX. Ace Loans has called my employer several times on XX/XX/19. This is harming my personal life and my relationship with my employer.

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 2021-02-06
Company: BlueChip Financial
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I submitted a complaint on XX/XX/XXXX. I received no communication from the company until XXXX via email at XXXX XXXX. I provided a complete response at XXXX XXXX  in which I received no reply via email. I then received a second email at XXXX that they had received my CFPB complaint and subsequently closed it without providing an adequate remedy. Additionally, this indicates that the company did not take this complaint investigation seriously and did not take the time to research the issue. 

As I stated, in the original complaint, this account is fraudulent. Pursuant to the Fair Debt Collection Practices Act, 15USC 1692g. The company responded to this complaint via email and subsequently on this complaint. The representative stated, " Our records show that Spotloan made a loan in your name on XX/XX/XXXX, in the amount of {$800.00}. I have independently verified that certain application information matches your name but can not complete my report without your help. '' This is also a violation as per the FDCPA. 

I have not received any validation of such information. I have requested to be provided with competent evidence that I have any legal obligation to this debt. I have not receive any. Spotloan also wrote : " Additionally, while you assert we have violated the FDCPA please know that Spotloan is not a debt collector under the FDCPA. Further, we have not owned your loan as of XX/XX/XXXX, we are not affiliated with the XXXX XXXX, and have not attempted to collect on your debt since it was sold to XXXX XXXX " This is another violation of my rights. This is an attempt to collect a debt and as such, Spotloan is liable for this violation under the FDCPA. This office has reported invalidated information to all 3 Major credit bureaus ( XXXX, XXXX, or XXXX  XXXX for five years, which constitute additional fraud under both Federal and State Laws. Due to this fact, the negative marks found on my credit reports by Spotloan and the company that the alleged debt was sold to, is Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. Further, the information that is being reported is also inaccurate per the companies response. Again, this is fraud and violation of the FDCPA. Pursuant to 15 USC 1692c. ( c ) I am demanded that Spotloan cease all forms of communication with me through any and all mediums. Subsequently, I

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
State: PA
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 on XX/XX/2022, to delete these inaccurate 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 #, and I'm including it again. 
XXXX XXXX XXXX Balance : {$810.00} XXXX XXXXBalance : {$8800.00} XXXX XXXX XXXXXXXXBalance : {$640.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX Balance : {$0.00} XXXX XXXXBalance : {$8700.00} XXXX XXXX XXXXBalance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
There was an unauthorized XXXX charge on my account for {$480.00} to XXXX by XXXX, on XX/XX/10. Payment ID XXXX. The bank said to reach out to the merchant. This was a fraudulent charge I tried was unable to get in contact with receipting of funds or can get any information on who to contact for this charge. I never authorized this charge to XXXX. 
I have been trying to get in contact with a rep at Truist to escalate this and am unable to get anyone other than telephone rep.

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 2023-01-23
Company: EQUIFAX, INC.
State: HI
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:
Equifax has not removed almost XXXX inquiries. I have enclosed all information in attachment. 

It should be removed as it is impossible to verify where all these inquiries came from considering the fact that my private and sensitive information has been leaked all over the internet, by Equifax 's databreach, class action & settlement lawsuit, and is available for free, on XXXX  websites, and on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: NAVY FEDERAL CREDIT UNION
State: GA
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:
XXXX continue to racially profile my account with frivolous degrading information about accounts that does not exist and this Bureau keep using these fraudulent expired false document to deprive me of my Rights to a fair and acceptable report. There was false reports from XXXX XXXX and yet XXXX penalized me and even when it was brought to their attention they continued to degrade my character and degrade my score. The same with Navy Federal with false information being revealed. This is gross RACIAL PROFILING and needs to be investigated by the Federal Bureau Investigation. I am a XXXX XXXX veteran XXXX and these racial tactics I will not accept. If needed then let the Higher Federal Courts resolve this matter if we can't come to a reasonable and fair solution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: U.S. BANCORP
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
So in 2017 or so, my car suffered from hail damage. I decided to use the check to pay off my vehicle as opposed to fixing the dents. I called both my insurance company and US Bank ( Loan Issuer ) ahead of time and told them what was happening. US Bank said that once the check cleared, I'd have my title in 30 days. I called them 30 days later asking why the title hadn't arrived. They said that they had shipped it to my insurance company. My insurance company sent the title back. I've called them multiple times throughout the years and they always say that it will get here in 30 days, but I never receive it. Now US Bank has lost the title and insists that I have to go to the DMV to pay for a new one

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 2023-11-21
Company: Nelnet, Inc.
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I submitted a request in XXXX XXXXXX/XX/2023 to be placed into the SAVE plan after consolidating a bulk of my loans. After over a month of processing I was placed into the SAVE plan but was also entered into deferment, so interest is accruing. I did not tell NelNet that I wanted to be in deferment. I only wanted to be on the SAVE plan based on my current income.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 are not my accounts. Please remove them from my credit profile.

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 2022-01-15
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
On XX/XX/2021, Navient was contacted to inform them that I was no longer employed ( I had just completed a XXXX internship which was a temporary position ) and therefore would be unable to make monthly payments until further notice. I requested a XXXX emergency forbearance due to my unemployment status, as most employers never responded and the ones that did only did so to notify me that another candidate was chosen despite submitting dozens of applications. However, this request was denied. 

The first agent responded by offering to lower the monthly payments to an approximate amount of {$760.00}. I informed the agent this would not resolve the issue as I had XXXX income at the time. I was then transferred to another agent and was told I can not be granted emergency forbearance. I informed the agent I have been responsibly making payments while I was employed and did not want to default. The agent responded by stating there is nothing she can do. 

I should have been granted emergency forbearance due to my XXXXt status. Paying $ XXXX when I was employed was already extremely difficult enough considering it was approximately 50 % of my monthly income. For perspective, my federal XXXX loans are on the income-based repayment plan and currently have a status of " XXXX XXXX XXXX '' - they have had this status long before the ongoing pandemic. To be expected to make a payment of $ XXXX in addition to " late '' fees once I resume payments is absurd. 

Moreover, despite making uninterrupted payments for the last 5 years I still owe a total of {$75000.00} in private XXXX loans. It appears the payments were applied on the interest and not on the principal balance. An amount of {$75000.00} in a XXXX repayment term would mean I would have to pay a minimum of $ XXXX not including interest. However, I have been required to make monthly payments of {$1000.00}. I do not understand how the extra {$620.00} comes from interest alone. 

In summation, Navient does not care whether or not borrowers are struggling with their student loan payments. If they did, they would offer more reasonable alternatives to delay and postpone payments during periods of economic hardship. Instead it is clear Navient only cares about quarterly earnings and their yearly revenue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Coinbase App allowed me to go in and buy XXXX  currency like XXXX. I purchased assets over time and accumulated over {$5000.00} in assets. When I finally wanted to take the money out of the app as soon as I converted the assets to USD/Cash I was immediately locked out of my account. 

Coinbase the company has no phone number and of all the XXXX 's of emails I have sent I do not get a response or any help in resolving this problem. 

I need to get this money back for my son and my family. 

The more I read about this company the more I can see this is a common problem and lot of other people have the same problem. 

No response from Coinbase because they are stealing my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD
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 pulled my TransUnion credit report on XX/XX/2020, and noticed that there was a " Regular '' ( hard ) Inquiry that was not made by me. The inquiry was fraudulent ; made by someone trying to open a XXXX account in my name. The account was not approved, luckily. Here is the inquiry, as it appears on my credit report : XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/2020 Inquiry Type : Individual I filed a dispute with TransUnion asking that the hard inquiry be removed. They responded that I should " contact the creditor directly. '' I called XXXX on XX/XX/2020. They agreed that the credit request was fraudulent, and said they would notify TransUnion that is was fraudulent. 

When I pulled my credit report on XX/XX/2020 to see if it had been removed, I noticed that the hard inquiry was still there. So I called XXXX again on XX/XX/2020. They said they had already notified TransUnion that the hard inquiry was fraudulent ( after I had called on XX/XX/2020 ), but that it takes 60-90 days for the credit bureau to update their information. They also said they would notify all 3 credit bureaus again on that day ( XX/XX/2020 ). 

It has now been over 4 months since I notified both TransUnion AND XXXX. This fraudulent inquiry needs to be removed from my account ASAP, and I shouldn't have to spend so much time getting it fixed.

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 2021-01-12
Company: EQUIFAX, INC.
State: CA
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 having difficulties with buying a house and applying for new credit cards. I paid the missed payments XXXX XXXXXXXX ( Opened XXXX. XXXX, XXXX ) and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting to remove this missed payments from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX Account number : XXXX Account name : N/A Account number : XXXX Account name : N/A Account number : XXXX Account name : XXXXXXXX XXXX Account number XXXX XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX SSN : XXXX XXXX DOB : XX/XX/XXXX Trans Union XXXX. XXXX XXXX XXXX XXXX, PA. XXXX Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.

Name of Account Account Number Provide Physical Verification XXXX CARD XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 
Thank You, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day ove 60 days later i hve 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 within30 days givesa reason to immediately remove those items from my credit report it has been over60 days aso they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you causedme. My information was also impated by the XXXX  data breach and may have got into the hands of the wrong person.

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