BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-13
Company: EQUIFAX, 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:
None of these fraudulent accounts are related to any of my legit transactions. Recently I was checking my credit and I found these accounts that don't belong to me. These accounts are the result of identity theft. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. My personal information was a part of the XXXX Data Breach in XXXX and I assume that is when my identity was stolen. 

These are the fraudulent accounts : JXXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX  that opened last XX/XX/XXXX, XXXX XXXX XXXX XXXX that opened last XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX that opened last XX/XX/XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX that opened last XX/XX/XXXX. I also have these inquiries listed on my report XXXX XXXX  with an inquiry date of XX/XX/XXXX, XXXX XXXXXXXX with an inquiry date of XX/XX/XXXX, XXXX XXXX XXXX  with an inquiry date of XX/XX/XXXX, XXXX with an inquiry date of XX/XX/XXXX, US SM BUS ADMIN XXXX with an inquiry date of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Navient Solutions, LLC.
State: TX
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:
For years after my loan was transferred to Navient from Sallie Mae and before that it was XXXX ; none of these providers ever helped or informed me about how my public service position could result in possible forgiveness. I inquired about public service student loan forgiveness through both Navient and Sallie Mae over the years and was told I did not qualify but they never told me why ; I realize now it was because these loans were refinanced and they did not want to let go of monies I paid them. They made no effort to provide any guidance or assistance over the years. I have worked as a XXXX XXXX  for 18 years now and continued to be told there was nothing I could do about it. I applied for forgiveness a few years back in XXXX and was told then that the payments I had made did not qualify because of the lender. During the required student loan exit During the pandemic when I had some trouble paying because I was being furloughed by my employer they also never worked with me so that I could take advantage of the assistance the government was providing to people in my situation. I want to understand why for so many years now they and the government have neglected to recognize that I have made over XXXX payments, I have worked over 10 years and continued to work as a public servant ; so why do these payments not qualify under the public student loan forgiveness program? I have paid well over the amount I've borrowed by now but continue to be told my loans do not qualify? I also want to understand why the information about public service related forgiveness wasn't part of my student loan exit interview. I feel like this information was valuable and would have resulted in my not consolidating my loans if I had known about this program and that my consolidating and the transfer of my loans later would lead to my not qualifying for public service student loan forgiveness. Again, I've been a XXXX XXXX for 18 years now. It is unfair to me that others with loans fresh out of college get to benefit yet I still continue to pay and pay despite my service and involvement in my community.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Please see my reply XX/XX/XXXX to the XXXX XXXX XXXX below in response to Coinbase 's reply XX/XX/XXXX in response to my complaint. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - My reply XX/XX/XXXX to the XXXX XXXX XXXX : I am rejecting Coinbase 's reply because they are responding with a half truth. 

While it is true that I'm now able to access my account, what Coinbase failed to disclose is that I had to hire an attorney at the cost of {$15000.00} to compel Coinbase to unblock my account. The demand letter from the attorney is attached and as well as the copy of my bank payment to the attorneys in the amount of {$15000.00}. The motion for pre-judgement writ of attachment, not uploaded, asserted a valid claim against Coinbase for breach of contract and conversion. 

I might add that I filed my complaint against Coinbase on XX/XX/XXXX but only now on XX/XX/XXXX ( over XXXX years later! ) is Coinbase responding to my complaint. 

Since Coinbase was clearly at fault, it is imperative that Coinbase refund the {$15000.00} that I was compelled to spend on attorney fees to unblock my account. My account was not accessible for over 4 months resulting in severe emotional distress. Furthermore, I spent an enormous amount of time and effort locating, preparing and presenting information to the attorneys, XXXX  and Coinbase in order to unblock my account. 

I respectfully expect to be compensated for the damages above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: EQUIFAX, INC.
State: SC
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
State: MD
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2021-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
None of these fraudulent accounts are related to any of my legit transactions. Recently I was checking my credit and I found these accounts that don't belong to me. These accounts are the result of identity theft. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. My personal information was a part of the XXXX Data Breach in XXXX and I assume that is when my identity was stolen. 

These are the fraudulent accounts : XXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX XXXX XXXX that opened last XX/XX/XXXX, XXXX  XXXXXXXX XXXX XXXX XXXX XXXX that opened last XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX FL that opened last XX/XX/XXXX. I also have these inquiries listed on my report XXXX XXXX with an inquiry date of XX/XX/XXXX, XXXX XXXXXXXX with an inquiry date of XX/XX/XXXX, XXXX XXXX XXXX with an inquiry date of XX/XX/XXXX, XXXX with an inquiry date of XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX with an inquiry date of XX/XX/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 2023-10-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
It's a brand new Capital One card. I made my first payment when due and then another payment some days later. I received confirmation that the payments were received, processed and posted. When I went to used the card it declined. I looked up my availability amount and it no longer reflected the previously paid amount. I called to inquire why and was told they put a hold on my payment due to fraudulent looking activity ( but never contacted me ). When asked what looks fraudulent, I was told because I made back to back payments. I was told they will not release the funds for 6 days and was advised that I shouldn't make payments outside of the due term time. I'm being punished for paying my bill more than asked? And being inconvenienced by not having access to needed funds. I told them its fraud to show and confirm that my payments were processed when it wasn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I checked my credit report and saw XXXX  XXXX XXXX for XXXX XXXX XXXXXXXX XXXX XXXX. In the amount of {$460.00}. 

This is due to fraud as I was incarcerated. As they can see from account opening there was never any activity on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: AES/PHEAA
State: IL
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:
Fedloan reports that I was late on my payments for 90 days it more. I started paying my loan with XXXX  XXXX XXXX. My account was set to autopay. For 3 months, ( XXXX XXXX  ) I would see payments go out of my bank account on behalf of the Department of Education XXXX In XX/XX/2018 I got a email saying no payment had been made, funds were available. I tried calling and could not get a response. I then saw on my credit report I was late. This came as a shocker because I had no idea who they were because I was paying to XXXX  XXXX XXXX. The person on the phone was not helpful. So we did not resolve anything. Dead end after dead end and now its XXXX and I finally speak with someone at Fedloan to get things straighten. I started my payment plan and have made payment a every month since. When calling about why I have 3 months of missing payments I keep getting different answers. 1 person said its because my account was set to paperless and they sent the info to my online account but I didnt see it yet because i hadnt even spoken with the company to even know there was a account with them. I agreed with ACT ( account control technologies ) to start repaying my loan which I started immediately doing, non of my information was transferred over to Fedloan, when I finally spoke with Fedloan all of the information on my was incorrect ( email, address, etc ) which ACT had because I was making payments. I have made all payments to Fedloan since then and have tried to get this cleared up. From XXXX I have never been late and current on all payments. During the pandemic Fedloan sold my student loans to another company and again my information like address and phone number was incorrect, and that company had since sold my loan again to another company. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Bread Financial Holdings, Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
COMENITY CAPITAL is the company name On XX/XX/2023 a hard inquiry was reported to my credit report it was not me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08
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 went through a hard time in my life, I lost my job and I was spending the bulk ok my money on my family and making sure we survive. I let one payment lapse in this past XXXX on this account with XXXX/XXXX but when I was able I paid the account and brought it current. This was the following month, I paid for it and would like for them to update this account by deleting that one late payment. It's being reported to all three bureaus XXXX, XXXX, and Transunion. It is killing my chances of getting a home. I have repeatedly called them and sent goodwill letters to try to get to update the late payment history on this account. I will attach a picture of my payment history that shows me missing that one payment and have been current ever since. And I would truly appreciate this and would be able to put my family in a better situation.

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 2023-04-12
Company: Universal Recovery Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently discovered a debt on my credit report while trying to make a big purchase. 

The debt on my report does not belong to me. When I contacted the original collector and the collecting agency about this matter they told me that it was my debt and I had to pay it. I asked for documentation showing this was my debt because I never done any business with this company. They will not provide me with anything showing me my name, signature or contract pertaining this debt is mines. 

I would like this debt removed from my report as it is not mines. 

Original amount {$140.00} Debt collecting agency requesting {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: LEXISNEXIS
State: PA
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:
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I, therefore, request that you immediately delete the items specified above from my consumer file with your agency.

Failure to do so will require that I take appropriate legal action.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. 

Delete the specified accounts from my consumer report and all your systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I quick paid {$4000.00} to partner through Chase but it turned out that his info still had his old phone number. I quickly called Chase to let them know and I was told that they were going to take care of the issue but two weeks later I got a letter from Chase saying that there was no further action to take and the case was closed by Chase. Now, my money is lost and I don't even know the person that I sent the money. I tried to call, text, request the money back but I have not received any response. The money was on account pending for three days and Chase did not do anything to stop the transfer. 

Also, I went to Chase branch and of the representative there told me that the money was going to be deposited into XXXX. 


The transfer took place XXXX Called Chase the same day XXXX Letter received from Chase closing my case XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Nelnet, Inc.
State: IA
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:
The company keeps rejecting my correctly submitted payments. I tried every week since XX/XX/23. I keep getting a notice stating it was rejected. I have stayed on hold in attempts to call them for hours at a time. 

Not sure but this seems to be by design and Im fed up!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I received a call from chase customer support with someone pretending to be a chase employee. They tricked me into sending at total of {$15000.00} via wire transfer to three different people. I told the bank what exactly happened and I called everyday to check the status of my claim. I also filed a police report and told my bank to wait until have the police report to help them with my claim. I will be pressing charges on the three individuals who scammed me. Chase told me on XX/XX/XXXX when I called the claims department that they denied my claim and I cant get my money back, however I did not receive a paper or any supporting documentation as to why my claim was denied or that I was formally denied and made an appointment for XX/XX/XXXX to visit a branch so they can give me documentation as to why my claim was denied. I am still currently waiting for the police report to be reviewed. All the attachments I uploaded are the people who scammed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
This is my formally written dispute of Navy Federal Credit Unions ( NFCU ) response in regard to Case number XXXX. I am respectfully requesting a formal investigation into the matter. The reference for this request is retrieved from XXXX XXXX XXXX I called the CFPB Hotline on XXXX XX/XX/2023 and was advised by a CFPB Representative to submit my written dispute as a new complaint. 

Thank you for your time in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. 
The List of accounts ON MY FTC REPORT has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A 15 U.S.C 1681 Section 604 A Section 2 15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C. 1681s-2 ( A ) ( 1 ) XXXX, TRANSUNION, AND XXXX USES XXXX OFFSHORE CALL CENTERS TO HANDLE CUSTOMERS XXXX AND PRIVATE INFORMATION WHICH IS TREASON AND ILLEGAL. 
THIS IS WHAT CAUSES HACKING AND DATA BREACHES. 
THEY ARE A THREAT TO THE AMERICAN REPUBLIC ASSETS!!!!

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 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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