BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I spoke to several agents on XXXX to get my cash rewards of {$65.00} mailed to me or put in my bank account and several agents were rude and told me my account is in collections and I could not get my cash rewards which is not true my account is in good standing and not in collections can you please fix this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Experian Information Solutions Inc.
State: TX
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I made multiple payments in XXXX for my Discover card for the month of XX/XX/2023. Consumer Financial Protection Act ( CFPA ) ( 12 U.S.C. 5481 et seq. ) : The CFPA established the Consumer Financial Protection Bureau ( CFPB ), which plays a significant role in overseeing and enforcing consumer financial protection laws, including those related to credit reporting.closure pursuant to 15 U.S. Code 1637 - Open end consumer credit plans. Because of this willful and knowing violation, there is a negative rating on my credit report. Pursuant to 15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter. Discover claims they do not mark payments late to reporting agencies unless 60 days late which this account certainly has not been. Fix any late payment regarding this account or litigation route will follow.

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 2019-07-01
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I paid my balance in full for the XX/XX/XXXXstatement. In XX/XX/XXXX, one purchase for {$710.00} is on 0 % no interest for 12 months. The rest of the balance is subject to regular insanely high interest. Nowhere on the XX/XX/XXXXstatement does it say what portion needs to be paid to avoid interest. I thought I had calculated it correctly, but I was still charged interest. When I called the company they kept me on hold for >10 minutes and then they disconnected the call. I shouldn't have to call back again to straighten this out.

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 monetary relief
Consumer complaint received 2022-04-07
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Name : XXXX XXXX Complaint against : Coinbase Subject : Coinbase XXXX employees compromised my profile to International Hackers. 

On XX/XX/2022 ... Hackers from Coinbase entity in XXXX hacked my Coinbase account resulting to a complete wipe-out to my entire equity positions held with Coinbase, valued 11000.XXXX Soon as I fount out that my account was compromised, I called and held a few meeting with Coinbase support team which I was reassured that my account will be restored to the fullest. In addition, I had contacted XXXX XXXX which the hackers were attempted to withdraw roughly {$10000.00} on my checking account. As the matter fact, my checking routing # and the account number were integrated in my profile, and the hackers had access to that piece of information which they used to withdraw {$9500.00}. Fortunately, XXXX has a robust regulatory compliance program that triggers alarms whenever malfeasance shown to their system, which ultimately stopped them from the get go. 

Coinbase company is very unreliable partner in that endeavor, it seems Coinbase is in collision or partenering with the hackers to steal their own clients fortune.. Therefore I need my account to be restore in full and request the government to prosecute Coinbase executives for allowing these kinds of practices to happen in regular basis

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In XXXX when I was married, we opened an account with XXXX XXXX. We both used the card up until our separation which was in XXXX of XXXX. XX/XX/XXXX we filed for divorce, and it was granted on XX/XX/XXXX. With a mediator on XX/XX/XXXX it was determined that my wife would keep the XXXX XXXX  account ( XXXX XXXX XXXX XXXX ), as a soul card holder in the distribution of assets. However, in XXXX my ex-wife reactivated the XXXX XXXX account, without informing them of the divorce. She was granted a new Mastercard account with them, based off the old information that they had. She had her name changed back to her maiden name after the divorce, so it wouldn't have been the same as their old information. She was at that time unemployed and had no source of income. She let the account do delinquent and consequently that showed up on MY credit report ( even though we are divorced and I am no longer responsible for her or her actions ). I have the legal court documents to show that at the time of our divorce she was responsible for the XXXX XXXX account, and I was no longer responsible for it. I had cards that I was responsible for and I let the companies know that I was divorced and she was no longer to be on the accounts. She should have done the same ... but she didn't. I spoke with XXXX XXXX and was told basically that it didn't matter because my name was on the account and they issued me a new Mastercard in my name ( which I obviously was unaware of since we don't even live in the same state ). So they were on no help to me. I would like to have this removed from my credit report as it is fraudulent information and it cause me financial issues.

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 2019-07-01
Company: Navient Solutions, LLC.
State: MN
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:
In XX/XX/XXXX, I reached out to navient, for information regarding a payment plan to start paying back my loans. Although I had responded to their debt collection emails for years requesting information to be mailed out to me regarding different repayment options. Since XXXX, navient has sent emails to postpone or granting forbearances, requesting that I call them to review repayment options instead of just mailing out the information regarding different repayment options as I requested. In which it would give me time to decide which option would work best for me. So after a minimum of 10 years of postponing or granting forbearances, and having my request basically be ignored for information to be mailed out, I finally called navient and I was given a quote of a monthly payment quote in which was outrageous to say the least. I finally was advised to submit an application through their website to initiate the process. ( although I have asked for these steps throughout the years. ) I was advised by the customer service rep, that while my application was being processed, my loans will be in a forbearance period until XX/XX/XXXX. After my students loans were consolidated again and my interest rate went from a 2 % fixed rate to now 4 % rate, I received my IDR payment plan letter dated on XXXX. Stating that my plan starts on XXXX. A week later I received a bill, stating to avoid late fees I would have to pay XXXX by XX/XX/XXXX and my XX/XX/XXXX bill is XXXX. Keep in mind I was advised along with receiving a email stating I am in forbearance until XXXX. This has been a complete nightmare dealing with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-10
Company: Experian Information Solutions Inc.
State: MD
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:
I joined Experian 's free membership program as another avenue to monitor my credit. They flood me with credit card offers and other offers to buy services from their platform. I have not accepted any. Suddenly in XXXX my credit score dropped by XXXX points. There was no derogatory ( e.g. late payments, etc ) activity or any other qualifying event ( e.g. closing an account ) that occurred. I requested an explanation for the drop in credit. I never received a response. I did, however ; receive a deluge of credit card and other offers that I could purchase to raise my score back. 

I checked my credit report again. There was nothing derogatory. I checked my score with the other bureaus and my other credit monitoring services and there was no change. I did some research and there are thousands of other individuals complaining that Experian arbitrarily decreased their credit scores for no reason. This seems to be occurring more often since they have monetized their services. 

Shortly after Experian arbitrarily dropped my score, my score began to fall on other platforms. When I make an inquiry it stems from 'derogatory action ' from the Experian score.

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 2022-10-10
Company: BARCLAYS BANK DELAWARE
State: MD
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:
Credit Card Issuer Bank : Barclays Bank Delaware Credit Card Type : AAdvantage Card On XX/XX/2022, I was charged for the INTEREST CHARGE-BALANCE T, but I paid off my balance before the statement 's due day. 

This fee is not reasonable because I've already paid off my balance, but still get charged!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Experian Information Solutions Inc.
State: MO
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 I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have reached out SYNCB/Gap by mail on XX/XX/XXXX requesting payment history from XXXX XXXX XX/XX/XXXX since some information to me seems to be incorrect. I have failed to get a response from them. I have given them ample amount of time to get this information over to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I have two WF bank accounts. A checking account and a savings account. I reduced both accounts to XXXX  due to the monthly fees. WFC decided to charge my accounts again so that my balances are now negative and will not let me close the accounts until I clear the negative balances. I believe this is unfair as the accounts are dormant.

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 2020-05-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The house was transferred to me and is in my name after the death of my husband. The mortgage company is refusing to give me any information about the home because the loan is not in my name. The house is in my name because I had it legally transferred in my name after his death. I have continued to make payments but I don't have any information about the loan on the home or the insurance because they are refusing to talk with 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 non-monetary relief
Consumer complaint received 2023-09-19
Company: Williams & Fudge, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This was a PELL GRANT, Collection Agency WILLIAMS AND FUDGE INC Original Creditor Name XXXX XXXX  XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1300.00} Amount {$2900.00} Status Date XX/XX/XXXX Status UNPAID Comments Balance Date XX/XX/XXXX Account Designator Code XXXX  Account Number XXXX XXXX XXXX XXXX XXXX  XXXX Creditor Classification XXXX  Last Payment Date Date of First Delinquency XX/XX/XXXX Contact WILLIAMS AND FUDGE INC XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX Date Reported : XX/XX/XXXX, This was a state Pell Grant, not a loan.On XX/XX/XXXX, the President signed Public Law XXXX, the Consolidated Appropriations Act, XXXX. Under this appropriation, the maximum Pell Grant award will increase to {$6000.00} for the XXXX award year, and the corresponding maximum Pell Grant eligible expected family contribution ( EFC ) will increase to XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This company has violated my consumer rights by sharing medical information on my credit report. 15 usc 1681a ( 3 ) ( a ) ( b ) ( c ) clearly states that medical information should NOT be shared on my credit report. I lost my wife year and I have been having a hard time trying to move out of the house that we shared together, however, I am force to stay with the memories. I will be reaching out stating my demands if this is not removed my my credit report immediately.

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 2020-12-28
Company: Experian Information Solutions Inc.
State: TX
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 requested a dispute with the 3 credit reporting companies, experian, XXXX, and XXXX  regarding a previous company I leased with in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During the entire time I leased with them I never missed a payment and was never late. However on my move out date we experienced some severe inclement weather which delayed my move out date. I notified my leasing office and in good faith they allowed me to extend the window into which I could move out and turn in my keys. However 10 months later I start receiving collection notices that I've been referred to a collection agency for not paying rent. It is my understanding that they are now trying to charge me for staying the two additional days but that was not our agreement. We entered into a good faith agreement and they can't treat me like this.

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 2020-12-28
Company: Experian Information Solutions Inc.
State: NY
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 A letter was sent to XXXX XXXX XXXX requesting payment history and documents to support what is reporting to the bureaus. I have yet to get any response. 

I then followed up with the bureaus on XX/XX/2020 via fax. The silence is deafening. Inconsistent data continues to report with errors. 

I will attach the documents I had sent to the bureaus along with the report. I am going to list the inconsistent misleading data. 
Date of first delinquency is not listed Purge date is not listed Date of last payment is not consistent Date opened is not consistent Late dates are not consistent

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 2020-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 A letter was sent to XXXX XXXX XXXX requesting payment history and documents to support what is reporting to the bureaus. I have yet to get any response. 

I then followed up with the bureaus on XX/XX/2020 via fax. The silence is deafening. Inconsistent data continues to report with errors. 

I will attach the documents I had sent to the bureaus along with the report. I am going to list the inconsistent misleading data. 
Date of first delinquency is not listed Purge date is not listed Date of last payment is not consistent Date opened is not consistent Late dates are not consistent

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 2021-06-12
Company: Affiliate Asset Solutions, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/21 Amount {$640.00}, Affiliate Asset Solutions , LLC claiming that I have a debt and trying to collect some debt that I have no idea about, and they regularly sending letters. I don't have any debt that is out for collection. Nothing in their letters states who is the creditor, writing XXXX or XXXX doesn't state what are they referring to. No one has time to go around and see what are they trying to do, I think they are scammers and trying to hack our information to cause me damages and I would like this to stop ASAP. They are making me frustrated and I'm very sensitive at heart, It hurts me when they send illegal letters to harass me. 
This must STOP and I like to file a complaint against them of harrsmenet. 

Affiliate Asset Solutions , LLC XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, GA XXXX PH XXXX XXXX XXXX

Company response to consumer: Closed with explanation