BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-02
Company: Experian Information Solutions Inc.
State: FL
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 XXXXXXXX with Account number XXXX is showing incorrect balance. the account is paid off with XXXX balance

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 2023-03-10
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:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be removed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021

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 2023-01-20
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I am from the XXXX XXXX and am a severely sighted XXXX person i have fallen victim to this coinbase wallet mining pool scam where I was told by the scammers I would make good daily profits per day, the scammers told me to download the coinbase wallet app and put in a link on the coinbase wallet app where I would click on the link to get the daily rewards and download the mining pool in the coinbase wallet app. Not knowing I was giving access to the scammers to my coinbase wallet they could Control it. Coinbase have been aware of this scam since XXXX and when they launched they coinbase wallet app but have done nothing to protect customers from such a scam They could see large payments being transferred to XXXX sent sent sccount from coinbase account to coinbase wallet They did nothing to protect me from falling victim to this scam coinbase are aware of this kind of scam since XXXX but have put XXXX security in place to stop this how can scammers use they coinbase wallet app to scam people and coinbase have done nothing. 
Also coinbase have not taken any identity checks from me when I opened my Coinbase account into XXXX, They coinbase wallet is full of security falls and bugs and holes where scammers are using these falls to exploit customers to falling victim to these types of scams Coinbase have done XXXX to combat this and they are aware of these scams taking place in they coinbase wallet app How can they allow this? And do nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: General Motors Financial Company, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I was under a vehicle lease agreement with GM financial for a XXXX XXXX Pickup Truck. All monthly payments were paid in full on time for the first 36 months, up until XX/XX/2018 when a clerical/technical error in the GM payment system stopped my payments from being withdrawn from my account. 

This resulted in two months of missed payments ( {$530.00} ), however GM Financial claims to have called a phone number regarding this situation that was no longer associated with me. No notification was given via alternative phone numbers or numerous email addresses associated with the account until XX/XX/2018. At that time, immediate action was done on my part to pay the outstanding balance in full. 

I then learned that my account was reported to the credit agencies as a delinquent account. I disputed this with GM Financial, they acknowledged that the notifications were sent to a phone number that was no longer connected to me and that no other forms of communication regarding the ceased payments through the GM Financial system. They also acknowledged that the payment was received promptly once I was properly notified, however they would not rescind the notification to the credit agencies. 

I was told that they ( 1 ) refused to investigate the issue within the GM Financial payment system, ( 2 ) would not revoke the delinquent notice to the credit agencies, and that no further action would be taken by GM Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Experian Information Solutions Inc.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-06-06
Company: WELLS FARGO & COMPANY
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I feel I may be owed fees from the auto loan I had through Wells Fargo.

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 2021-06-30
Company: EQUIFAX, INC.
State: CA
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:
Recently I reached out to XXXX XXXX about these inaccuracies on my report. They did their investigation and have yet to send me the results. I have called several times asking for the results and all details involving their findings. I have yet to receive anything. I also called and requested the " Debt Validation '' " Audit trail '' and Pursuant of GAAP '' but they have refused to send it to me for some reason. This will be my last step before taking legal action towards this company and the reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for a XXXX XXXX XXXX XXXX credit card via a banner ad while booking a XXXX XXXX flight. The banner advertised a {$300.00} statement credit and XXXX miles. After receiving my card, I did not see any information of this offer and called Chase to clarify. I called to clarify the terms of my minimum purchase requirements to get this statement credig. I am disappointed to learn that this is not an offer advertised that they would match. Their offer with my credit card is for XXXX miles and no statement credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: HCFS Healthcare Financial Services of TeamHealth
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
So for a while now ive been getting calls from this number and it always leaves the same voice mail '' this is HRRG and we would like to speak to you, you can call us at XXXX XXXX and XXXX and you can speak to XXXX or any associate XXXX so i looked up this company and i see its gotten complaints about harrassing calls etc and they constantly call me and leave voice mails and i do not have any outstanding medical debts. It really annoying!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have reached out to XXXX, Transunion and also XXXX about XXXX this amount that is appearing on my credit report is inaccurate first of all the amount is incorrect!! They are still reporting late payments which is an error or a lie so how was the information verified when I dont even have the vehicle so how is late? According to the FCRA, Nevada statute of limitations this was a credit sale its being listed an an installment loan!! I have enclosed the documentation and I have reached out to the bureaus as well as well as XXXX and also XXXX XXXX!! I have enclosed the documentation as well to show the amount is inaccurate therefore the amount being reported is absolutely inaccurate!! The balance is wrong!! They have been paid and they are reporting an error or a lie!!!

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 2022-03-21
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX consumer, natural person, living person is giving written instructions to Experian to remove and cease furnishing any and all reporting activities in regards to the accounts above.

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 2022-12-28
Company: EQUIFAX, 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 XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: TRUIST FINANCIAL CORPORATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The law firm handling my mortgage has not had anyone in the office for me to talk to leasing up to this date. I have had to leave the state of XXXX  to take care of my parents. I am owed 7months worth of payments by a renter, whom then trashed the house then up and left. I did evict.

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 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX consumer, natural person, living person is giving written instructions to XXXX to remove and cease furnishing any and all reporting activities in regards to the accounts above.

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 2018-02-14
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have a spousal consolidation loan with my ex-husband. I do not receive statements. I do not receive correspondences. I do not receive phone calls. I can not create my own login or manage the account online. I have documentation going back several years to where I have attempted to resolve this problem with the customer advocate office to no avail. I am being held responsible for an account that I have no access to. I am completely dependent on my ex-husband for information on this account. There are other concerns as well. I have been forced on multiple occasions to take high-interest forbearances. I am also very concerned about how the fees and interest have accrued on the account. According to the limited information I have been able to obtain, the account has accrued over $ 317K of interest and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: EQUIFAX, INC.
State: PA
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 car dealership, and they told me my credit report would only be ran once. But my credit was ran multiple times without my consent. 12 times. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I went to get a a car and was told i would not have my credit ran to fill out an application, and they did so without my consent. 
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX  no purchase was made No consent for this credit run XXXX XXXXXXXX XXXX XXXX- XXXX consent and nothing opened FRAUD No consent for this credit run XXXX - no consent and nothing opened FRAUD No consent for this credit run XXXXXXXX XXXX no consent and nothing opened FRAUD No consent for this credit run XXXX XXXX no consent and nothing opened FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Experian Information Solutions 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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1700.00}

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 2020-03-12
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This Acc # is close also paid off I call them to fix it they said I would have the credit bureau

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: ERC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Company ERC called at XXXX EST and refused to identify themselves as a debt collector. Refused to identify themselves at all. I asked " what is erc? '' They wouldn't say. I asked " what kind of company is ERC? What do you do? '' Again they refused. I then asked- are you a debt collector? Again they refused. Called from Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Experian Information Solutions 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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 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 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 2022-03-21
Company: BARCLAYS BANK DELAWARE
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: Account information incorrect

Complaint:
Hello good day! 
The issue that has occurred is that I have several unauthorized inquires reported on to my XXXX credit report and was informed by them, to create a report to remove these unauthorized inquires. 
Both unauthorized inquires were reported on the year of 2021. 
One is titled as " BARCLAYS BANK DELAWARE '' and the other is titled as " XXXX XXXX ''. 
I've already contacted the banks that left a hard inquiry on my report which led me to contact XXXX where the inquires are shown. Then was instructed to make these actions in order to solve this issue.

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 2019-10-05
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Every year when it comes time to recertify for an IBR, Navient will give me a specific number that I have to repay. Sometimes it has to be recalculated, because my wife also has student loans to pay back, and every year, they fail to include her loans. I always send my tax statements as proof of income. Every year they manage to flub the process up. This year in particular, when recertifying, I was given a payment of {$160.00}, and then in an email, I was given a payment of {$200.00} ( XX/XX/XXXX email ) and then when I went to make my payment on Thursday, XX/XX/XXXX, the payment says {$270.00}. I called Navient, yet again that same day and was put on hold for a supervisor and was hung up on or disconnected. I called back, again, and got a supervisor on the phone, who allegedly ran the numbers and told me that was the final amount ( {$270.00} ) and they could not go any lower. I explained that this isn't feasible because of my wife 's student loans ( she has to recertify this month and she goes through the same thing each year ) and because of all of our other bills, mortgage, car payments, bills, insurances, child care, etc, and the supervisor refused to budge and would not assist me any further. This happens every single year with these people. In viewing the lawsuits against Navient, I see that this is a common practice of theirs, in refusing assistance to those who can not afford the amount they set.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Subject : Pre-Arbitration Settlement Offer - Collection Account ( Account Number : XXXX ) and Obligation to Honor Arbitration Agreement To Whom It May Concern, I am writing to address the ongoing issue concerning the collection account associated with XXXX XXXX XXXX account number XXXX, which has significantly impacted my credit report. Despite prior attempts to resolve this matter, the situation remains unresolved, causing substantial financial hardship and distress. I have denial letters to prove the financial pain and stress this fraudulent account has put me through. 

I want to emphasize that with the acquisition of this collection account, Midland Credit Management has assumed all rights and obligations, including those stipulated in the original contract, such as the arbitration agreement. This agreement is legally binding and requires that disputes be settled through arbitration rather than traditional litigation. 

Given this obligation, I propose a one-time settlement offer to expedite a resolution and avoid further legal complexities and expenses. Midland Credit Management has the opportunity to settle this matter by agreeing to the following terms : Payment of {$5000.00} in full settlement of the collection account. 
Deletion of the account and all associated information from my credit report. 
By upholding the arbitration agreement, Midland Credit Management demonstrates its commitment to equitable resolution practices. 

Please give due consideration to this settlement offer and respond promptly. Accepting this proposal not only upholds your contractual responsibilities but also leads to a more advantageous outcome for both parties involved. 

I request written confirmation of your acceptance of this settlement offer and the subsequent actions taken to fulfill the terms outlined above. 

Thank you for your attention to this matter, and I look forward to your timely response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
JPMCB CARD Bank Credit Cards Inquiry date : XX/XX/2022 2022

Company response to consumer: Closed with non-monetary relief