BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-22
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2016-03-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Transaction issue

Complaint:
I was checking out for a {$200.00} purchase at Kohl 's Dept Store in XXXX, NJ and planned to use my VISA. The checkout clerk tried to have me apply for a store cc which I declined. Then in the process of using the VISA there were multiple questions on the keypad. Asking me to type in my name, asking questions about my citizenship and finally asking for my SSN. I refused to provide my SSN and they would not process my VISA. The store clerk told me it was the law and that I had to enter my SSN to use my VISA. I know that to be false but he insisted. I suspect the store had some kind of sales promotion for the checkout people and he was trying to capture my information to get the sales promotion rewards. I imagine that people not aware of the law may be duped into providing Kohls their SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have sent Transunion a letter months ago informing them of the inaccurate information they are reporting. The account XXXX XXXX XXXX XXXXXXXX should be deleted from my credit immediately because it was purchased by another lender and they are already reporting the account as a collection. Transunion is committing double jeopardy and I will be seeking legal action if this account is not removed immediately. The collection agency that purchased the account and is reporting on my credit report is XXXX XXXX XXXX XXXX. I have attached my credit report showing that both of these accounts are reporting illegally. Please delete this account from my credit report within 15 days

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 2022-08-18
Company: Experian Information Solutions 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:
I went to a few dealerships that said they would pull my credit report just for their dealership, however they pulled out quite a few hard inquiries. The other hard inquiries listed, I just do not recognize. I have tried to call the numbers listed directly to tell them to provide proof that the inquiries should be on my report, but they told me to contact the credit bureaus to take it off my credit report. So I asked the credit bureaus, and they told me to call the companies directly to take it off my report so I am getting the run around at this point. Listed are the hard inquiries I need removed from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX US DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX These names are also not correct : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX And the following addresses are not correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-11
Company: AES/PHEAA
State: MI
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:
My loans are being serviced by XXXX XXXX. I am apart of the Public Service Loan Forgiveness Plan. They are miscalculating my payments-not counting qualified payments from my employment at XXXX XXXX XXXXXXXX XXXX XXXX and the XXXX XXXX XXXX   where I was/am a XXXX XXXX. Both have been certified as qualifying employers. Yet, they have not counted all my qualifying payments. I called them on the phone and was given no real reason why more than half my payments have not been included in my total from my employment at XXXX and the XXXX XXXX XXXX. In XX/XX/XXXX when I first submitted they came back and told me I had 27 qualifying payments. I was employed at XXXX from XX/XX/XXXX-XX/XX/XXXX and  was making monthly payments at or more to the IBR payment range from while employed there. I understand that only payments after XX/XX/XXXX count towards PSLF plan but they have not counted payments during this timeframe that do count. I left XXXX in XX/XX/XXXX and have been employed by the XXXX XXXX XXXX as a XXXX XXXX ( XXXX XXXX  ) and XXXX XXXX XXXX XXXX worker. I just turned in my certification for XXXX in XX/XX/XXXXand they come back and tell me I only have 78 payments approved total from both employers and extended my final pay off date by years. I have should have 69 payments just from the XX/XX/XXXX. So even with them not fully counting all my payments yet from XXXX, based on them telling me they counted 27 already in XX/XX/XXXX, then I would have at least 96 payments. Whenever I call them they keep extending the time frame that they need to figure out why the payments are not all being counted. I am very concerned that XXXX is mismanaging my account and this will affect my outcome with the PSLF program. It is not fair that I am meeting the requirements and their poor handling of my account is extending my time before I can qualify to write my loans off. Can you please assist me in getting them to review my account appropriately and according to the rules so all my qualifying payments are counted from XXXX XXXX XXXXXXXX XXXX XXXXXXXX and the XXXXXXXX XXXX XXXX. It is very frustrating to hear no real explanation from them regarding why they have miscalculated my account and to keep having their review process extended.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not give anyone authorization or consent to use my personal information. 
I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent inquiry on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Below are the fraudulent inquiries that needs to be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Home XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: EQUIFAX, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS
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: Investigation took more than 30 days

Complaint:
XX/XX/2021 I am very upset with this matter. I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not recived a valid response yet. I did my own due diligence and I know the credit bureas have 30 days to reply back and they havent. I feel like the credit bureas are taking advantage of me by ignoring my disputes I took time to send them. Sectyion 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. Or I will file litigation due to the stress you cause me. My information was impacted by the Equifax data breach may have got into the hands of the wrong person. I am begging for help at this point. 

I demand these accounts be deleted immediately or I will pursue litigation. 

On XXXX XXXX XXXX XXXX XXXX XXXX add a derogatory mark on my credit report per XX/XX/XXXX XX/XX/XXXX and Equifax upon further research, this account was transferred/sold and I am no longer responsible for the accont. Debtor creditor did not verify this collection, also there was no written form of communication, contract, or signature for this accused debt at all, a bill without a signature does not validate the debt and anybody can send a bill and says its mines. According the the FCRA, XXXX XXXX XXXX XXXX has violated my rights as a consumer and I ; m requesting legal action to remove this account immediatelyly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
XX/XX/XXXX - I made two withdrawals with Coinbase, one for {$90000.00} ( Transfer ID : XXXX ) and another for {$10000.00} ( Transfer ID : XXXX ). Coinbase quotes me that the estimated payout for the withdrawals will hit my bank account XX/XX/XXXX. 

XX/XX/XXXX - I submit a support request asking them to investigate, recover, and transfer my funds to me. The support case # is XXXX. 

XX/XX/XXXX - Coinbase reaches out to me and acknowledges the problem and says they will work with a specialist to address it properly. They provide no concrete answers as to what happened or when it will be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2023, I got a regular email from Chase letting me know that I had a new statement for my checking account. I have had this Chase account for over XXXX years ; I get this email each month, log in, and save a copy of the statement. 

This time, when I logged into Chase, they would not show me any of my accounts. Chase presented a page with XXXX links ( include a XXXX page legal agreement ) and an 'I agree ' button. I could not access any of my accounts, transfer money, view statements, etc. unless I agreed to these new documents I was surprised with. 

Buried inside the XXXX page legal agreement is a binding arbitration clause with vague instructions to opt out. It took me XXXX minutes digging through Chase 's site to find the place to opt out. 

I need access to my bank account, and it was held XXXX by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They are attempting collect a debt that i do not owe them. And they putting this account on my credit report and when i complain they take it off but to put it back on months later.

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 2019-02-15
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I'm XXXX years old and a XXXX XXXX Veteran. 
In 2012 I was contacted by Wells Fargo to apply for a lower interest rate.I was also contacted by XXXX for a mortgage reduction on another property. I was approved for both AT considerable cost. I recently received a letter from WF about a rate increase coming next month. I contacted them about the increase and they said I signed paperwork to a 7 year arm which will adjust every year thereafter. I WAS NEVER TOLD this was an adjustable rate that they were giving me, I assumed it would be like the XXXX mortgage adjustment which did not cheat me into a adjustable rate. 
WF pretty much told me tough, since I signed papers at closing that showed a rate adjustment in 7 years. I trusted the bank. At closing, it was quickly done by the way, going through a sign here initial here process. Many many pages of documents.

My issue is, WF at no time during their letters and conversations prior to signing, asking me to to accept a lower mortgage rate, they never, ever mentioned it was adjustable. 
Knowing now their past reputation I bring this up. Probably others have this problem.

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 2023-09-08
Company: Westlake Services, LLC
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX refuses to have correct data on my report. West Lake Financial reported a commercial loan, and XXXX refuses to mark the account commercial. The amount of the debt is fraudulent, and I proved it. And there are closed accounts from XXXX  that XXXX will not remove. 

West Lake Financial reported to XXXX that the account had XXXX owed and was charged off. Yet, when I contacted Westlake Financial on a recorded line. I was informed that the past due balance was XXXX. This is a commercial account, and I was NEVER told there was an issue with this account. I have another account with them, and they chose to ruin my credit with a bogus amount. I agreed with West Lake Financial for XXXX, and they are paid in full. They said that they were sending me a tax document. Any tax documents to me are a bogus report, and I am filing with the IRS next. They do not have the title to send me and refuse to mark this account commercially. And they are predatory lenders that my bank has flagged as fraudulent.

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 2020-10-01
Company: Sequium Asset Solutions, LLC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, I am a person with extremely high standards of ethics and never engaging in any wrongdoing. All my debts and payments are always on time. Today, i noticed a huge drop in my credit score. Upon further checking, I found that a credit collection agency called Sequium has left a derogatory mark of having not paid {$110.00} for XXXX XXXX XXXX company. I am shocked to see that on my credit report. 
History with XXXX XXXX XXXX : I own a XXXX XXXX XXXX phone and had called XXXX XXXX XXXX to enquire about any newer plan or phone upgrade eligibility. They convinced me to get a brand new phone with {$0.00} down payment and ensured that it will not require a new line. I agreed to find later that they had charged me for the phone and also asked me to get a new line. As soon as I recieved that email, I contacted XXXX XXXX XXXX and said I do not want the phone in that case. The representative on the other line assured me that he has cancelled the order and that I will not be charged since I had not recieved the phone yet. Few days later, i recieve the phone. I call them again and they ask me to send it back saying that it was a mistake. I sent the phone back immediately. A month later I recieve a bill of {$110.00} for the phone i never agreed to buy but recieved, for the phone i never opened, for the phone i never used and for the phone i returned promptly. I called them yet again and they assured me yet again that it was a mistake and that the phone line was cancelled and can not be found in my name at all so i should not liable for that payment. Months later, I receive a letter from collection agency notifying me of the pending payment of {$110.00}. Furious at this, I called XXXX XXXX XXXX again and they maintained their stance that it could have been an accident and that their system does not show that new phone and line in my name and hence i never was liable for any payment. I am attaching the proof from that last call because I had insisted that they send me that in writing because of multiple calls involved. Months later, today, i see a huge drop in my credit score. And I must say, I am HUGELY DISAPPOINTED, SHOCKED and FURIOUS all at once! The fair resolution would be for the SEQUIUM collection agency to drop these charges against me on my credit report. I also demand a written apology from both XXXX XXXX XXXX and SEQUIUM for causing mental trauma by doing this. 

I demand justice and i demand the credit agency dropping this charge against 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 2022-08-18
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2019-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Requested removal of inquiries, XXXX XXXX x 2 ( XX/XX/XXXX & XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ) of XXXX XXXX and XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) ; as well as, XXXX from Transunion credit bureau and was advised by XXXX that the inquires are not verified and she can not request validation due to it being over 6 months. In regards to the creditor, afni no validation info will be provided. They verified it was my debt but no actual proof provided

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 2021-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
I setup AutoPay for my Bank of America VISA credit card in XXXX and called Bank of America to verify it was setup correctly. I was assured by customer service agent that AutoPay was setup and my payment would be debited from my bank account on the due date XX/XX/XXXX. However, I noticed on XX/XX/XXXX, there was no payment made to my credit card account. I called Bank of America customer service who informed me that the AutoPay will take few statement cycles to setup and took my payment on the phone and was assured there would be no late fees. However, I noticed on my XX/XX/XXXX statement, I was charged a {$25.00} late fee. I spoke to XXXX ( XXXX ) XXXX in Bank of America customer service today ( XX/XX/XXXX ) and explained the situation. XXXX refused to waive the {$25.00} fee. 

It is unfair to charge me {$25.00} late fee, when I signed up for AutoPay in XXXX and failure on the part of Bank of America to withdraw the payment on the due date XX/XX/XXXX. Despite my best efforts to validate the AutoPay setup, I am being unfairly charged a late fee after being a customer who has paid on time since 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 monetary relief