BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-14
Company: Experian Information Solutions Inc.
State: CA
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:
To whom it might concern, Hope everyone is doing great! up on reviewing my credit report I noticed that few hard inquiries listed on my credit report I do not have no knowledge or any idea who they are or what company and I dont even know who they are. 
I have contacted those company few times but I was never able to speak to real person to understand who they really are. 

Please help. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
Company: Nelnet, Inc.
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I woke up this XXXX  to my credit score on XXXX being dropped by XXXX XXXX when I clicked the notification bell to see what changed and I seen that in between XXXX all of the nelnet account balances increased and in between XXXX they took my deferments away. I called and the nelnet rep is stating that she doesnt know what went wrong. She sees my forbearance letter along with the deferments. Im writing in to get this matter resolved asap. I enrolled in my forbearance and idr in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX decided to change banking institutions for my XXXX rewards credit card. it changed from XXXX XXXX to Capitol One and it was supposed to happen on XX/XX/XXXX. I received my statement in XXXX from XXXX XXXX  and thought since it was sent to me I would drop my payment off to XXXX XXXX  which I did on XX/XX/XXXX ( it was due on the XXXX of XXXX ). I dropped it off early because I was going on vacation. At the end of XXXX ( either the XXXX or XXXX ), I received a call from my banking institution from which I wrote the check and they said that XXXX XXXX  returned my check to them that day. I called XXXX XXXX  and they said they were not able to cask my check since Capitol One took over the account. I asked then why did you send me a bill? And they did not have an answer. 
I reached out to Capitol One and they apologized for not sending out the bill nor the credit card. They assured me that I would receive it soon. They also put a hold on my credit card for nonpayment even though they did not send the bill and even though it was less than a fifth of my overall balance. 
I received both bills on XX/XX/XXXX, 5 days before it was due and this was on a Saturday. This bill had a late fee and interest fees even though this was the first time I was receiving a bill from them. AND I had tried to pay XXXX XXXX  and tried to contact them. 
On XX/XX/XXXX I called them and the " supervisor '' said to take off the 2 late fees of {$40.00} and send in the payment for both months. So I did paying the bill in full minus the {$80.00} in late fees. My next bill in XXXX came in with another late fee and more interest charges. I still at this point did not have a credit card issued by Capitol One. I was able to get the interest fees and late fee credited back to my account. 
On XX/XX/XXXX, I talked with another " supervisor '' and they recommended that I pay the bill in full again minus these fees, which I did. 
Today, XX/XX/XXXX, I spent another 2 hours on the phone with Capitol One and yet another supervisor. She explained that since I did not pay my bill ( because I excluded the fees as suggested by the 2 different supervisors ) in full even though I paid for my transactions in full, that I would continually be charged interest each month. 
In the 3 months and 2 days since I was forced to become a member of Capitol One, I have been charged {$250.00} of fees. I have gotten most of them reversed and credited back to my account but it has taken hours. There is still {$10.00} unaccounted for and no one can explain why and they refuse to credit it back. 
What about the people who are unable to make the time to call and follow up? What about the people who don't even understand this? This is very predatory and needs to be stopped

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting 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 submitting my 22nd complaint, specifically addressing the TransUnion bureau. Under Section 605b of the Fair Credit Reporting Act ( FCRA ), TransUnion is legally obligated to remove accounts determined to have been opened due to identity theft. The disputed accounts outlined below do not pertain to me, and I am requesting their prompt removal within the next 15 days, preceding my upcoming credit report update : DPT EDXXXX XXXX Date Opened : XXXX Balance : {$0.00} DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$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 non-monetary relief
Consumer complaint received 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 was on an active COVID-19 forbearance under the CARES Act from XX/XX/XXXX through XX/XX/XXXX. Prior to entering into the forbearance, my XXXX XXXX mortgage was current. I was not required to make any payments during the forbearance period. 

On XX/XX/XXXX, I submitted a completed loss mitigation application. 

On XX/XX/XXXX, my XXXX credit score was XXXX. 

On XX/XX/XXXX, I received a certified letter from XXXX XXXX  regarding Notice of Default. The notice indicated that I was in default on my mortgage for failure to pay the monthly installments due. In order to cure this default of mortgage, XXXX XXXX  must receive funds in the amount of {$14000.00} The notice further indicated, We have told a credit bureau about a late payment, missed payment or other default on your account. This information may be reflected in your credit report.

Approximately on or about XX/XX/XXXX, I received notification that XXXX XXXX  reported my mortgage status for XXXX as a missed payment as they indicated in their XX/XX/XXXX, letter and my XXXX credit score dropped XXXX points from XXXX to XXXX. 

In XX/XX/XXXX, I requested a credit correction from XXXX XXXX  asking them to correct my XX/XX/XXXX credit reporting from a late status to a current status at all three ( XXXX ) credit bureaus, Transunion, XXXX and XXXX because I still had consumer reporting protections of the CARES Act after my forbearance ended. 

On XX/XX/XXXX, I received a letter from XXXX XXXX  Consumer Bureau Management stating, We received your dispute request related to your account. Based on our investigation, we have determined that the account information submitted by XXXX XXXX to the consumer reporting agencies is accurate. The forbearance expired in XX/XX/XXXX and the account is not currently under credit protection. 

Based on the facts XXXX XXXX  determination outlined in their XX/XX/XXXX, letter, is inaccurate. The consumer reporting protections of the CARES Act continued to apply to the time period that I was covered by the forbearance after the forbearance ended on XX/XX/XXXX. XXXX XXXX  can not report a consumer that was reported as current pursuant to the CARES Act as delinquent based on the time period covered by the accommodation after the accommodation ended. XXXX XXXX  also can not advance the delinquency of a consumer that was maintained pursuant to the CARES Act based on the time period covered by the accommodation after the accommodation ends.

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 2023-12-14
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
We deposit our money with Wells Fargo. 

However, their poor fund management led to the theft of {$40000.00} from my fund. 

And someone else stole my PHOTO ID to take the money, And the bank does not cooperate with the claim and recover the funds. 

We have reported it to the police and they have been involved in the investigation of this case.

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 2023-05-02
Company: Coinbase, Inc.
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, there was ACH fraud in my Coinbase.com account. The attacked did not steal any crypto, but used ACH banking to connect my Coinbase account to two fraudulent accounts XXXX XXXX XXXX XXXX Bank and XXXX XXXX XXXX ( prepaid card through XXXX  ). 

The attacker used ACH transfer to transfer XXXX dollars to XXXX XXXX XXXX  and XXXX dollars to XXXX. I found the same day and I contacted Coinbase. Also I contacted the FBI and filed and FTC report through identitytheft.gov. FBI is working on a subpoena but this will take some time. 

Coinbase was not able to give me any details about those two accounts. Instead they froze the accounts and locked me out. I contacted the two banks and they tried to locate the accounts. It took more than a week for Coinbase to restore access to my account. I found the last 4 digits of those accounts and contacted those banks. Both asked Coinbase to send a letter of indemnification, which they refused. 

I reached out to Coinbase again and here is their response : " XXXX XXXX, Thank you for your response. 

We understand that you need a letter of indemnification for XXXX XXXX XXXX. 

Please immediately report the unauthorized transactions to all applicable law enforcement agencies in your jurisdiction. For Law Enforcement Officers only : Information requests for criminal matters should be directed to : XXXX Coinbase is willing to offer full cooperation with all law enforcement investigations relating to unauthorized activity on your account. Please note that unauthorized transactions are irreversible. 

We also appreciate your feedback regarding the notification. Please know that improving our security is a top priority. 

Online hackers and scammers may utilize malware to steal your login credentials, or remotely take over your device or browser session. If you havent already done so, be sure to scan all of your devices with a reputable anti-virus and anti-malware software, ensure your devices and browsers are up-to-date with the most recent versions and security updates, and uninstall any questionable software or browser extensions, especially any tools that allow remote access to your device. 

Keep in mind that the account holder is responsible for the security of their devices and credentials used to access their email and Coinbase account, and as such, are responsible for any activity that occurs when those devices or credentials are compromised. 

If you have any other questions, please let us know. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I received an American Express e-gift card in XX/XX/2023 and activated it almost immediately. I tried numerous times to use it at many online merchants with varying purchase amounts, but it continuously gets declined. I called the customer service number listed on the original email, but there is no option to speak with a human and the automated system only tells me to do what I've already done over and over again. No practical option for a resolution. I've done endless research online to find a solution, but get much of the same useless information. I've been doing everything right for 7 months now and yet I'm still sitting on a gift card that reflects the initial {$100.00} balance. I just want this stupid card to work so I can use up the balance, move on and warn everyone I know NOT to buy one of these unusable pieces of XXXX!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-14
Company: EQUIFAX, INC.
State: GA
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXXXXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX {$740.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: MIDCOUNTRY FINANCIAL CORP
State: HI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Around XXXX of XXXX I took out a {$2500.00} loan with a company online called XXXX XXXX XXXX. Their website left the impression that they were legally able to operate in the state of Hawaii and that they operated in accordance with the SCRA and MLA. All monthly payments were made. On XX/XX/XXXX I took out another loan with them for {$3000.00} at a 32.78 % interest. I combined my monthly payments for the two loans ( monthly payment : {$240.00} ) but the two accounts were still open. Fast forward to XXXX of XXXX when my last payment was made to them. I had some financial troubles as well as issues with my debit account. I do some research on lending laws and practices. I find out that the state I reside in- Hawaii- requires lenders to not only be licensed to do business in that state but also caps the interest rate at 24 %. I also find out that the MLA doesnt allow loan rollovers. I send an email to XXXX XXXX XXXX on XX/XX/XXXX at XXXX XXXX questioning the legality of the loan. I receive no response back but on XX/XX/XXXX XXXX XXXX I receive a missed call from XXXX XXXX XXXX. I return the call at XXXX XXXX and Im told by Mr. XXXX, my account representative, that I have a past due balance of around {$1600.00} and that my account will be charged off if I dont make a payment by the end of the month reflecting negatively on my credit. I set up a payment with him. I then begin to question him on the legality of the loan and he responds by listing the companys credentials and that any matter pertaining to the companys legality is XXXX XXXX XXXX. I then ask for the Lending Agreement. He responds by saying I can either email the company my authorization to email the documents or check online in the Documents section of My account. I head to my account and none of the Lending Documents are there only the updated Privacy Act. I also see that my original loan of {$2500.00} has been closed without my knowledge and appeared to have been refinanced without my knowledge. I call Mr XXXX back to inquire about the lending documents. When I told him the only Documents that appeared was the Privacy Act, he responded with what more do you need then? He then proceeded to read of the loan details but made no attempt to send me the loan agreement. Only after calling him a fifth time did he give me the email contact so I could email the authorization but have no exact time frame of when Id receive a response. I am currently waiting for response as well as seeking legal advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been a victim of identity theft, and I am perplexed as to why your bureau has not followed suit with the actions taken by other credit bureaus in response to my requests. Some of the other credit bureaus have already removed these accounts from their records after acknowledging the errors present. I am confused about how your bureau has verified this information while others have recognized the discrepancies and taken corrective actions. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$500.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00}. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.

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 2023-12-14
Company: MRS BPO, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from MRS BPO a debt collection agency stating that I owed a debt of XXXX to discount power. I do not recognize that power utility company. I attempted to call MRS BPO however my calls repeatedly went unanswered. I wanted to find out if somebody used my identity to open a utility account. I verified with my bank that recent payments have been successfully processed with my existing utility company.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: WELLS FARGO & COMPANY
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Wells Fargo repossessed the vehicle knowing that there was gap insurance as well as had me to file the car on my taxes with this knowledge so they received funds from me and sold this vehicle

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 2022-11-14
Company: EQUIFAX, 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: 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 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$190000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
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 just check my credit through experian 's website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to experian, XXXX and tXXXX, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from experian stating that my information was on the dark web. I was also affected by the XXXX breach. I have attached the identity theft report along with my social and drivers license.

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