BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-28
Company: FREEDOM FINANCIAL NETWORK
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I got involved with Freedom debt Relief and they were charging me high fees to settle debt so they said and at the time they settled nothing. They were sued in California for the same practices. I have never missed a payment in over two years and the majority of my money is going for fees high fees and when you call ask whats going on there is no reasonable answer. I really have no idea what they are doing with my money. in two years I have paid them over XXXX XXXX dollars. I had a debt with XXXX and I was faithfully paying and in two years time they did not give them two dollars which I knew nothing about until I had a police officer serving me papers to appear in court. I was told by Freedom debt that they hold off paying these debts in order to get a better settlement which is crazy. I would have been angry if I was XXXX I do and continue to this day to try and pay my debt I made a mistake getting involved with this company, this is the same thing they did in California. I should have dealt with my creditors directly and I tried but now its too late. I know I have a case her I just need help from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: MOHELA
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Ive been in contact with Mohela for over 60 days requesting my complete payment history prior to Mohela taking over as my loan servicer. They said it would take 30 days which is a very long time to begin with. Now over 60 days still getting a run around response that its still being processed. I need this payment history because I can no longer obtain it from my previous provider. Mohela states on their site they have this information and can provide it. 
Account XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 asked XXXX if they could cut down on number of hard inquirys on credit report they told nothing they could do about it because it was factual when guy i called in XXXX just checked my credit without ne asking him to do so or him asking me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XXXX i called Coinbase to see why my balance went from XXXX to XXXX $ and i was informed that all my Alt coins and Bitcoins were transferred to someone else. 

When i told them i didnt authorize the transfer they just said to me when you buy crypto there are certain risk that you are taking. I created a ticket XXXX. They close the ticket stating it was a hack and nothing could be done I am out XXXX now. No one called me, no said to me what they are doing about the hack or scam. 
In fact coinbase CSR told me it will be a good idea to reach out to the scammer and ask them politely to refund the money. ( I just couldn't believe it ). 

I also found out that XXXX they got hacked so i thought maybe the hack is tied and their are others who lost money, Just a hope i got so i called them again and nothing, just nothing from coinbase. 
They are literally acting as if nothing happened. I honestly have a feeling that Coinbase 's approach is to keep quiet and he will go away. 
Never ever in my history have i been hacked on any other platform. 
I saved this money thinking if Crypto went up i will be able to pay tution fees for my kids and now its all gone. Thank You coinbase for not only losing my money but also to keep quiet and not provide any update to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I have been disputing these accounts with the bureaus, THE ACCOUNTS ARE COMING BACK AS VERIFIED!! sent in numerous letters, nothing has been deleted, the bureaus pretty much ignored my concerns.

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 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX XXXX XXXX has failed to report to the credit reporting agency the true and accurate information on my report it is against the law to report fraudulent information attached is a letter from XXXX XXXX executive saying that they account is paid in full and that they are refusing to send me my 1099 oid 1099a and 1099c tax documents, even though they said in the letter that they only send those documents to people who owed them debt. Also they failed to provide the Accounting of my XXXX XXXX account so i only think that they have something to hide. I demand the ledger of the account along with the 1099s i request. So can i get treated equally with full faith and credit.

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 2021-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
On XX/XX/XXXX I submitted a dispute request via XXXX XXXX for an collection account that the creditor ( XXXX ) agreed to delete from my creditor report due to me paying the entire balance so I could re-instate insurance with them. The debt of {$120.00} which was reported by XXXX XXXX XXXX XXXX XXXX XXXX was paid in agreeance to delete to the original creditor XXXX XXXX XXXX and it was paid on XX/XX/XXXX ( receipt attached ). The representative at XXXX told me that the system will update overnight and they will notify the collection agency to remove my account. On XX/XX/XXXX I received a update from TransUnion that my investigated was updated as " Accurate '' and they added a remark to the collection that reads '' Account information disputed by consumer, meets FCRA requirements ''. It still shows I owe this {$120.00} balance. It still is showing on my report when the original creditor, XXXX, agreed to delete. I attached the proof of my payment to XXXX the original creditor. In addition, I do not believe they did their full investigation to see my claim. I called XXXX on XX/XX/XXXX and was told that the account should be removed. They already sent notification to XXXX on 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 2022-12-06
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I requested a Pre-qualification From XXXX XXXX XXXX XXXX I never wanted to apply for a loan or even consider applying and for some reason my credit was pulled from 3 credit companies XXXX, Equifax, XXXX. I never personally requested this and for that matter I want this information investigated and removed because there is no way why this should happen to a person when they didn't request such information and I'm willing to go to the full-stand of the law to get this matter resolved, for good faith because XXXX XXXX XXXX XXXX of my favorite banks. Which is why I'm sending this letter because typically I just sued but I want to resolve this as passive as it can be thank you, the suggested information is as follows XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
Fraudulant Inquiries, address, and credit accounts that I never opened. Address I never lived at. Someone is pretending to me and i need these accounts to be removed due to Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: Google Compare Credit Cards Inc.
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:
On XX/XX/2019 my Visa card was double-charged for a subscription by Google/XXXX. I reported this fraudulent charge to Google and Google said I had to talk to XXXX. Then XXXX said I had to talk to Google. After getting bounced around from Google to XXXX for three days and hours on the phone, Google says they cant help me because they cant see the charges in their system ( which is the Google Store ) where I added the subscription. I have an email and confirmation # from the Google store about this order yet Google cant find it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
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 status incorrect

Complaint:
CREDIT BUREAUS FAILED TO UPDATE INFORMATION ON COLLECTIONS ACCOUNTS THAT SHOWS INCORRECT ON ALL XXXX CREDIT BUREAUS, THE FOLLOWING ACCOUNTS HAS BEEN DISPUTED OVER 5 MONTHS AND STILL HAS NOT BEEN UPDATED EXPERIAN, XXXX AND XXXX ARE ILLEGALLY REPORTING INACCURATE AND FALSE INFORMATION.THIS ALLEGED COLLECTIONS ARE REPORTING OPEN WITH A PAST DUE BALANCE. THIS IS A VIOLATION OF REQUISITE OF XXXX XXXX COMPLIANT REPORTING STANDARDS IT'S BEEN MORE THAN 5 MONTHS AND THEY HAVE NOT DONE NOTHING AS FAR AS UPDATING THE STATUS OF THE COLLECTIONS. 

XXXXXXXX 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 XXXXXXXX

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 2023-06-20
Company: Navient Solutions, LLC.
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( NAVIENT ACCT # XXXX SSN XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clarify states that I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
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: Was not notified of investigation status or results

Complaint:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 


XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

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 2023-06-20
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a Certificate of Deposit with Marcus by Goldman Sachs for a 10-month term. The promotional rate when I opened the CD was 5.05 %. About seven days later, the rate dropped on the account to 4.75 %. When I called to ask, the representative stated she was told to read a script, stating something along the lines of Marcus provides the best rate over a 10-day period and the rate is affected by the Federal Reserve . 

The Fed did not adjust interest rates over this period. Additionally, Marcus did not adequately disclose to me the possibility that the rate would drop, and certainly not by more than a quarter of a percentage. This action went against my expectations as a consumer, the representative from Marcus could not remediate the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX To whom it may concern, My name is XXXX XXXX. I am writing this email due to some unpleasant activities following a visit to XXXX XXXX XXXX back on XX/XX/XXXX. I came in that Saturday morning for a recall repair on my air bag for my XXXX XXXX XXXX. ( Which I am still currently driving ) While I was waiting on my repair, a young man ( sales professional ) XXXX XXXX showed me some of their cars on the lot, asked me why I came in today etc. Then we test drove a XXXX XXXX. During this period my vehicle wasn't done yet with the airbag repair. After test driving the XXXX XXXX, XXXX, ran up some numbers and was basically trying to get me to get me to walk out with a new car, payment plan etc. I said no, explained that I had a lot going on and that this would not be a smart decision for me right now and that I would I'm just going to wait till my car is ready and go home. 

After, that I had a few representatives come in and try to convince me or " earn my business '' as they put it. The Manager, supervisor, you name it. Outside of XXXX, I had to have had three to four more men come to the same desk trying to offer different deals to earn my business ; and each time I said no. That Saturday I ended up driving my car the XXXX XXXX XXXX  home. I did not purchase a new car, there was no trade in, or any contract or consent given to process or complete anything else. 

Unfortunately, a while later I had received some letters in the mail from two separate lenders informing me that they denied my request for a loan. In fact, the letter stated that the loan requested was for {$26000.00} ( from XXXX XXXX XXXX XXXX ). I was completely shocked that I ended up checking my XXXX and Experian account and I noticed that there were several other hard inquiries dated back form XX/XX/XXXX the same day I went in for my recall repair, which is absurd because I said no to every sales man that came before me and I did not give consent or request any loan for {$26.00}, XXXX from XXXX XXXX, this is when I knew I had to call the credit bureau and take action. This was not activity I approved of nor gave consent to, this is fraudulent activity. 

Now, unfortunately I'm going through the process of mailing letters to the credit bureaus to clean up this mess that I did not even do. I'm also considering getting my attorney involved because this is the most insane and unprofessional thing I've seen, and to be honest my respect for this XXXX location has gone down. This is a very unpleasant circumstance to be dealing with right now. 

Sincerely, 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 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I subscribe to Transunion credit monitoring service. It displays incorrect length of my credit history : it shows 17 years instead of 34 years. It also shows a much lower credit score for me than what other credit agencies show since they have the correct length of credit. Since the credit score takes into account length of credit history, I need Transunion to correct the length of my credit history information. I tried contacting them multiple times, and so far they have refused to make the correction claiming that the information can not be changed.

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 2023-03-19
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681., 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 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 has violated my rights XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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