BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-09
Company: Experian Information Solutions Inc.
State: FL
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 submitted an inquiry for a personal loan with XXXX XXXX XXXX. The bank advertised that there would be no hard credit inquiry with no impact to your credit score. I did this because I wanted to review my loan options without impacting my credit score. Therefore, I was deceived by XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: VA
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 sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX XXXX This account was opened without my consent. Allegedly this account is a secured credit card and is over the limit by XXXX. I have worked with credit reporting agencies to resolve this and have been unsuccessful

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Have been locked out of my Coinbase account for over a month now when I did not request it. I have over {$7500.00} locked on their site with no way to access. I reached out to customer support which told me 3-4 days for a response and still havent gotten one, I also reached out to customer complaints which said 15 days for a response and still havent gotten one. Theres no way to get ahold of any one to retrieve my account so theyre essentially stealing my money without me even approving of my account being locked

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: KS
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:
XXXX Acct ending in XXXX. 

XXXX sent an invoice to me which was {$12.00} less than the invoice they sent to their collection agency, XXXX XXXX XXXX. I paid the lower invoice on time. XXXX XXXX, however, charged me an additional {$580.00} over the next 6 months for interest and late payments. I had not included the XXXX in my payments. I did not see the second invoice. When I started to receive late payment notices, I did not know who XXXX XXXX  was. I discovered they were the collection agency for XXXX. I tried contacting them and XXXX using dispute claims, phones calls and emails. I could not contact a live person at XXXX XXXXXXXX, so I paid {$580.00} in XXXX of this year. 
In XXXX of XXXX, I ordered a XXXX XXXX on-line. On XX/XX/XXXX, XXXX issued an invoice for {$1700.00} ( Exhibit XXXX ). They sent the billing & invoice to me for this amount along with the refrigerator ( Exhibit XXXX ). I paid this invoice using on-line banking, setting automatic payments of $ XXXX, starting in XX/XX/XXXX, for 11 payments and the remaining {$110.00} payable on XX/XX/XXXX ( total {$1700.00} ). All payments were made on time ( Exhibit XXXX ). 
Following the first invoice on XX/XX/XXXX, XXXX cancelled it and issued a second invoice for {$12.00} more ( Exhibit XXXX ). They sent this invoice to XXXX XXXX XXXX for collection. 
Not receiving the {$12.00}, XXXX  XXXX charged my account from XX/XX/XXXX through XX/XX/XXXX a total of {$580.00} for deferred interest, interest charges, and late fees. XXXX XXXX XXXX needs to return the {$580.00} and contact the 3 major credit agencies stating that no late payments occurred because of an invoicing billing problem by XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 XXXXnder 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 2023-06-28
Company: EQUIFAX, 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:
Equifax, I posted the attached CFPB complaint on XX/XX/2023. 

In the complaint I stated these below hard inquiries needed to be removed do to fraud : - XXXX XXXX, XXXX XXXX XXXX - XX/XX/2023 - XXXX XXXX  - XX/XX/2023 - XXXX XXXX XXXX XX/XX/2023 - XXXX XXXX XXXX XX/XX/2023 In your attached response you stated all were removed. 

These are not removed - these still show on my credit report - see attached. 

Please have all of these removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: EZCORP, INC.
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I receiced a payday loan in XXXX and I called them to try to set a payment plan to pay the XXXX. I can't remember the results but they started calling and telling I was going to jail so I ceased all communication. In XXXX I was trying find a actual loan company to get help on a down payment and the website had me input my info which directed to multiple websites but I never received a loan and in XXXX I started receiving calls from different collection agencies saying I defaulted on a loan for {$1200.00} or more that I received in XXXX which defaulted in XXXX thay kept telling me I was being sued I told them to mail me the documents or email them to me the agent became hostile and hung up on me. On XX/XX/XXXX XXXX XXXX from XXXX contacted me about Ezcorp and I told her I didn't receive an installment loan in XXXX the only loan I received was XXXX payday loan in XXXX even though the collection attempts was outside of the limitations of being sued out of good faith I made an arrangement to pay XXXX in XXXX installments of XXXX with the final payment payed on XX/XX/XXXX and I just called XXXX XX/XX/XXXX to see why XXXX still being called the phone number XXXX is no longer in service. In XXXX of XXXX the phone XXXX has been calling I've ignored this number until today XX/XX/XXXX and when I answered the number it directed me to call XXXX XXXX now I can't reach the number that I just dialed XXXX minutes ago in which they said the company name so fast and I told them to send me documents stating a got a loan in XXXX they hung up and I called back they hung up again and now the numbers are no longer in service Ezcorp XXXX to be held responsible this is going to be ongoing situation and the companies that are calling are using there name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: AMERICAN EXPRESS COMPANY
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:
On XX/XX/2023 I filed an Identity Theft Affidavit with the Federal trade Commission for illegal reporting from the credit reporting agencies. 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer Identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN INSTRUCTIONS to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I was charged for a hotel that they bank gave me credit for and send me a letter that my claim was resolved and nothing further would happen to my account. I got another charge for the same amount that they will not reverse and then charged me an over draft fee for the same reversal they made. I got nothing in writing to let me know this was going to happen.

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 2017-12-15
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1 ) I have a mortgage for a Rental property with MR. COOPER fka Nationstar 2 ) I was paying my mortgage religiously every month. 
3 ) Last month they increase the mortgage amount for more than {$400.00} dollars. I call questioning that they claim that was do it to raise in property taxes and also raise in Property Insurance. The property taxes claim is not accurate, for the contrary the taxes in the property have been reduce. In reference to the Property Insurance, it went up only {$200.00} in this amount if distribute on 12 months will be only {$17.00} more in the mortgage per month. 
4 ) I call them last month XX/XX/17, express my concern and they refuse to review the situation, instead try to convince me into refinance, with the inconvenience for me that the refinance will represent an extra $ XXXX in debts for me. 
5 ) I mailed to them the check for the amount that I understand should be my monthly mortgage as per them the check was returned. I do not received back. I was under the impression that they were working to resolve the situation, WRONG.

6 ) Yesterday, I try to log into the company website to pay my mortgage online, I was not able to, I do n't know if that was done in purpose. Then, I called and try to pay the amount I understand is my obligation, the system do not allow me to, they are demanding the full a amount and claiming that they do not cash the previous check. 
I desperate need some help with this matter, due to this action my credit will be ruined, I can lose that property which represent my life time saving and my health can be affected ( could not sleep the whole night yesterday ). I have a medical condition ( XXXX ). 
Please help me to resolve this situation. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: Upgrade, Inc.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I have been contacting Upgrade Card to remove me from their mailing list. I use their contact us feature on their webpage as well as XXXX. They never respond at all. I get 3 mail pieces from them awake and at this point I consider them violating Do Not Solicit Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
PayPal makes my balance negative for a fraud claim. I sent my documents and called them several times about 10 times to fix the problem because they made the action without my permission and they told me they fixed it but they never fixed it. They recognized that the claim from the account is fraudulent but they didnt resolve the problem. The PayPal customer service is not responsive and they made my balance negative also they charged me for the action. I asked for refund and its about 1 and half months that they said they would refund my balance with the amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-22
Company: NATIONSTAR MORTGAGE LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have used the paper payment coupon for my mortgage. 
I have indicated on the " additional Principal '' line the amount that should be applied. 
I have also indicated the XXXX XXXX XXXX payment amount and additional principal amount on the memo line of the check. 
Each check is for full XXXX XXXX XXXX plus extra Principal. {$1200.00} XXXX XXXX XXXX plus {$30.00} = {$1300.00} Prepayment of principal occurred XXXX XXXX XXXX Check XXXX XXXX, XXXX ( Check XXXX XXXX and XXXX XXXX XXXX Check XXXX XXXX. 
XXXX XXXX statement reflect the XXXX months of prepaid principal ( XXXX x XXXX = XXXX ), as unapplied partial payment, so instead of the required {$1200.00} XXXX XXXX XXXX  payment, it 's {$1100.00}. 
I would increase the prepay principal amount, if it was properly account for. 
Why are they not letting me prepay my mortgage monthly?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: EQUIFAX, 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:
Choose according to account type. These can be combined My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I feel my loan is a complete fraud and they took advantage of me. Sallie Mae sold my loan to Navient without my consent. all my other loans have been paid off for years. they will not help me with this loan it is insane. customer service for Sallie Mae has been nothing but mean telling me to make more and pay more over the years. I have more than paid this loan off for school. the interest is a crime. do I have options here

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I HAVE AN ELAN FINANCIAL SECURED VISA CARD. I HAVE PAID OFF THE CARD AND THE COMPANY SAYS I HAVE TO WAIT 60+ DAYS FOR MY SECURITY DEPOSIT OF {$3500.00}. I DO NOT THINK THIS IS FAIR. THEY SAY THEY WILL NOT CLOSE THE CARD TILL THERE IS NO ACTIVITY FOR 60+ 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 explanation
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 n i made this clear for 60 days straight with transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX 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 2023-07-11
Company: Ability Recovery Services, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a debt collection notice in the mail to my previous address in XXXX, Pennsylvania for {$1100.00}. I called the debt collector phone number that was on the paper to figure out where the stat has come from because I had not had any previous notification of the debt. Upon speaking to somebody on the phone, I was told that all correspondence regarding the stat was being sent to XXXX XXXX XXXX XXXX I have never lived on XXXX XXXX XXXX, but have lived on XXXX XXXX XXXX. After this information was found, I sent a letter asking for verification of the debt. The correspondence I received from the debt collector, showed the wrong address on top of the debt, thus indicating that I have never been made aware of this debt until I went to collections, and that they still can not verify that the debt was mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: Army and Air Force Exchange Service
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Name of Company : AAFES Military Star Card I'm trying dispute some late payments that was placed on my credit report from XX/XX/XXXX-XX/XX/XXXX. I tried to dispute it before with my justification being that I signed for automatic payments to be made through the Star card website but then later learned that the payments weren't being made. And due to high Operational tempo and being deployed I had limited internet access to resolve this issue. 

- I have tried to dispute this multiple times with no success and on XX/XX/XXXX I even contacted the company but they were unable to help me. 

Company 's response is found below : Hello XXXX XXXX   XXXX, Thank you for contacting Exchange Credit Program. 

Regarding your credit reporting inquiry, we can only remove negative reporting, if due to an AAFES error. 

Statements are sent out monthly to the address or email address on file. It is the responsibility of the account holder to be aware of their balance and payment information, per your terms and conditions. 

Therefore, we can not remove any delinquencies from your credit report. They will be removed by the credit bureaus after a 7-10 year period from the last activity date. 

If you have any further questions, please email XXXX or contact MILITARY STAR at the phone number listed below.

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 2023-07-11
Company: PLANET HOME LENDING, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
bank servicing did deferment with out my consent in the amount of XXXX, while being eligible for the funds from XXXX XXXX. and are not communicating with the program, whenever i call they are saying that a supervisor will call me and they never do

Company response to consumer: Closed with explanation