BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-14
Company: ENOVA INTERNATIONAL, INC.
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I took out a payday loan from this company. I have done so numerous times and their customer service has gone downhill. This is the final straw, as it were. 

On the week of XX/XX/2018, I tried to set up a refinance. I tried XXXX times over the weekend XXXX XX/XX/XXXX ) and kept getting an error when I clicked the " next '' button. The error read : " Failure to render page correctly ''. Monday, XX/XX/XXXX, I tried again on my mobile and on my work computer. The error still happened. I opened the customer service chat and spoke to someone who updated my ID information ( which had expired ) then told me to do the extension again. I did and under her instructions, I did a partial payment for the XXXX of XXXX and extended the loan for the following date XXXX XX/XX/XXXX ). She told me to do the same thing the next time I wanted to extend the loan. 

During the late afternoon of XX/XX/XXXX, I happened to check my e-mail to find a message from CashNetUSA stating that since I did not make the minimum payment of the loan, they would take out an additional {$250.00} on the XXXX which did not fit into my budget whatsoever. By then it was too late to cancel anything so I went to my bank to ask advice on what I should do because this was completely opposite of what the customer service rep told me. 

My bank suggested that I change accounts that way the amount could not be withdrawn but because of this, none of my other planned withdrawals could process. Because of the error on CashNetUSA 's part, my finances have been messed up for at least a month. I am still trying to make a payment to the company who should have taken money out on the XXXX and I've had to go around and change all my information with places I do business with. 

Since the " returned '' payment, CashNetUSA has been calling and e-mailing me incessantly ; they got a hold of my work number and tried speaking to me a little while ago. The e-mail messages keep telling me to contact customer service which I really do not wish to do since my chatting with customer service is what got me into this mess to begin with. 

Instead, I have elected to make manual payments through my bank to their payment address in Texas and I know they have accepted my payment because when I check my account balance, the amount has gone down. I am just tired of the issues I have had with this company and I would not have taken out this last loan with them if I hadn't needed to.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Sir/Madam, While checking my most recent credit report, I noticed Fraudulent credit inquiries/Opened lines of credit/credit cards that I do not recognize and did not authorize anyone to pull my credit report or use my credit. 
Attached are my proof of address, social security card and my passport The inquiries, lines of credit and credit cards made by the below listed companies : Please remove Late Payment as this is incorrect and being used fraudulently XXXX : XXXX XXXX XXXX  Please remove Late Payment as this is incorrect information and is being used fraudulently XXXX : XXXX Please remove theses fraudulently addresses on XXXX : XXXX XXXX XXXX, XXXX, FLORIDA, XXXX, XXXX  XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL, XXXX, XXXX XXXX XXXX XXXX, XXXX. CREDIT CARD Please remove Late Payment as this is incorrect information EQUIFAX : XXXX XXXX XXXX Please remove unauthorized inquiries XXXX : XXXX XXXX XXXX XXXX  Please remoce unauthorized inquiries 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I was a victim of identity theft and have a address that doesnt belong to me on my file and a bunch of inquiries inquiries : 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

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 2022-03-23
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: Investigation took more than 30 days

Complaint:
NEW INFORMATION Transunion has responded to my complaint, complaint # XXXX stating that they have received my complaint, and are reviewing the complaint and will follow-up within 60 days, see attached. 

Federal Law does NOT give any consumer reporting agency 60 days to respond to a dispute. The only provision that Federal Law grants is a 15 day extension if and only if the consumer reporting agency receives information from the consumer during the 30 day period of the reinvestigation of a dispute.

The letter that they have initially sent me in response to my initial dispute in no way gave me any instructions or identified any information that is required to get the disputed information investigated, which makes Transunion in violation of 611 ( a ) ( 3 ) ( C ) of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-14
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I bought what I thought was a pre-paid card for my niece XX/XX/2016 for a XXXX gift. She tried to activate the card, but was unsuccessfull, so I had her send the card back to me. The card is from NetSpend.  I tried to activate the card myself, but they wanted her SS #. I finally got her SS # and tried to activate the card. When I call the number, the computer says there is no account. I finally emailed the company and today they called me. They wanted lots of information from me including my SS #. The original amount was {$200.00} on the card. They tell me now it's {$130.00} due to fees. This seems illegal to me. My understanding is you can't just arbitrarily charge fees. I wouldn't give them my SS # and told them to send a check for the balance to my home. They said it would take 6 to 10 business days to get the check. I don't know if I will ever see the money, but I would really like to know how NetSpend is able to charge {$65.00} to hold on to my money for a little over a year. My guess is there are many people being taken by this company. At the grocery store where I bought the card, it looks like an ordinary XXXX cash card, which I have bought before with no trouble. There is nothing about activating the card or ongoing fees. I paid the usual small fee for the card and had no idea there would be anything other than just using the card as a XXXX card. NetSpend seems like a scam. Thanks for your 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 2022-12-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Paypal Holdings, Inc
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a letter from XXXX XXXX XXXX  stating that I owed {$330.00} to them. I called and asked where the debt came from and they said a company called PayPal. I have never used PayPal for anything. They said the transaction happened in XXXX of 2020. Once again, I never have used PayPal for any transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
I submitted an informal dispute directly to XXXX XXXX and transunion informing them that I have not given my formal permission for the inquiry into my credit file nor written expressed permission contained in a list of companies that i have no knowledge of I ask that this information be removed and or deleted from my credit file the credit bureau XXXX have failed to investigate this matter conduct a proper investigation into the disputed inquiries

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 2023-07-21
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:
This is a notice of consumer findings regarding unfair and inaccurate practices. via XXXX XXXX privacy policy and section 1692e ( 16 ) of the FDCPA. XXXX XXXX XXXX  privacy policy implicates and gives false representation as a means in connection with the collection of debt by operating falsely a consumer reporting agency by using nonpublic information and abusive debt collection practices to put my creditworthiness at a competitive disadvantage. it is a violation via 15 USC 1692e ( 16 ) for a debt collector to operate by a consumer reporting agency and give false representation or implications that they are doing so as proof see the privacy policy attached. The consumer reporting agency is in violation of marketing information, unfair and inaccurately backed on the exchange of information that should otherwise be excluded from a consumer report via 15 USC 1681a ( d ) ( 2 ). A consumer report should not include information solely as to transactions, communication of that information, also information that's used as an authorization of an extension of credit by the issuer ( me ) of a credit card. I wish to have this account removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21
Company: EQUIFAX, INC.
State: GA
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:
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 non-monetary relief
Consumer complaint received 2023-04-11
Company: AXOS FINANCIAL, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/2022 Axos Bank charged my checking account {$1200.00}, instead of the normal {$620.00} ACH withdrawl. I worked for several days to get this resolved and my bank, XXXX XXXX XXXX XXXX ( XXXX ) implemented a temporary credit to my account, until Axos Bank provided the full amount. Once that transaction was completed, I cancelled my automatic ACH payment to Axos and paid them the agreed upon amount of {$620.00}, which I had paid continuously prior to this " glitch '' as Axos Bank stated. I never missed a single payment and have full proof of my transactions through my bank. Axos Bank has continued to stack on the {$1200.00} credit and late fees for the past year and I have contacted the XXXX  in the state of CA and NV with no resolution. I have filed complaints with all three credit bureaus as well and NOTHING has been resolved. I have EXEMPLARY credit and my score prior to THEIR accounting error was above XXXX. My score has dropped XXXX XXXX and I am receiving ZERO satisfaction from any consumer protection or credit bureau that I have contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I reached out to credit reporting company several times to remove incorrect names addresses and account 's that are showing on my credit report. I reached out in XXXX, XXXX and XXXX. As of now, which we are in XXXX nothing has been removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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 received a promotional offer email of the capital one quicksilver card saying that once I got approved and spent {$500.00} on the first 3 months, I will receive {$200.00} cash reward. So I applied the card and got approved, spent more than {$500.00} on the first 3 months but never receive the {$200.00} cash reward as advertised. 

I called capital one twice and they just said that they can not give me the {$200.00} cash bonus, without a appropriate reason. This is really unfair for me. 

Please see the attached picture for the {$200.00} cash reward advertisement email they sent me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: SC
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:
This account XXXX XXXX XXXX is reporting to my credit report as Account charged off, written off. This is considered canceled debt, this is considered ordinary income by the IRS, this is an inaccurate account that is furnished on my credit report, the company filed it on their taxes and also reported it on my credit report as debt. The IRS states that this company was supposed to send me a 1099c form so that I could file this as ordinary income. I haven't received the form. They are in violation of law 15 U.S.C sec. 1681e ( b ). This account has to be deleted as this company and the credit bureau is in violation. 

Also, I've ask that the original contract between me and this company be presented, I still haven't received that information. Credit bureau states they have verified the information to be accurate and true. I would like to see the information that was presented to verify this account. If this account can not be properly and accurately verified, then this account needs to be deleted from my credit report.

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 2021-08-16
Company: National Credit Adjusters, LLC
State: CA
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:
NCA has repeatedly attached 2 accounts to my social security number and refuses to remove them, validate the debt, show proof that they are allowed to collect in California. I am a victim of identity theft. One of these debts is from Georgia and the other is from Kentucky and neither of the names match mine. I have contacted them numerous times and they remove and then add it to my report again knowing that they are intentionally harming me with an unvalidated debt. Neither of the accounts that they attach to me belong to me and they are trying to collect on debts that are fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: DISCOVER BANK
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Payment XX/XX/2018 of {$2000.00} paid to a law firm. 
Requested to have case put in a Jury trial court. 
after payment was made a agreement of {$500.00} to be paid monthly for a total of {$3500.00}. 
lawyer continued adjuring case until full amount was paid. 
lawyer never brought case to proper court house. 
After last payment was made lawyer relieved himself from case. Refused to bring case to a jury trial. 
Disputed with credit card company and they did not return funds after I requested a refund from lawyer. They state it is non refundable. open a investigation and they did not reverse it. Then I sent in a letter for a re investigation and they did not re investigate it at all. I had asked for proof and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
I submitted 3 disputes with Equifax over the past 3 months. Each investigation led to Equifax updating the balance on my collection but not actually removing the collection. The creditor advised if I paid in full that they would advise credit bureaus to delete the payment. Equifax says the creditor confirms this is accurate but how can this be the case if another bureau XXXX XXXX  XXXX has deleted the collection per my request with their investigation and conversation with the creditor?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I received some money transfers in my Venmo wallet. These transfers were from Venmo members to me. Venmo informed me that my account was frozen and that I would have to verify my identity by sending in a picture of my driver 's license. I called into their support and spoke with XXXX XXXX ( XXXX ) who received my driver 's license and sent my response to the evaluation team on XX/XX/22 at XXXX XXXX. I was told that this step was needed to reactivate my account to receive so that I could access my funds. On XX/XX/22 at XXXX i received an email from XXXX XXXX XXXX ( XXXX ) stating that my account has been permanently deactivated for a violation that they won't explain. Also, it said my funds will be held for up to 180 days and I XXXX have access to them or not in the future. 

I then sent a response telling Venmo that they can't steal from me and not explain the process to reactivate my account and access my funds. The amount is substantial to me {$8700.00} and significant because I am experiencing financial and economic stress. They have not provided me an explanation or pathway to accessing funds that are mine. 

CFPB I could really use your help. Also, my attachment includes the XXXX emails received from Venmo and my response to them after my account was banned without a pathway to reactivation or accessing my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I used a high interest savings account to fund the purchase of Bitcoin through the Coinbase Exchange in early XX/XX/2019. Unbeknownst to me, there was a limit of ( 7 ) electronic transfers ( ETF 's ) per month on this particular savings account. I made transfer requests on Coinbase above and beyond the ( 7 ) allowed, by mistake. I understand Coinbase fronted the money in anticipation of payment by these additional transfer requests, above and beyond the ( 7 ) allowed. The requests were rejected and Coinbase locked my account. I resolved the problem as soon as I was made aware of it and made sure the payments arrived at Coinbase ( within 5-days ) from a different bank account. All should have been well and Coinbase should have released the funds. However, they didn't. They allowed me to sell the Bitcoin to US $ but to this day, will not allow me to transfer the US $ out from the Coinbase account a total of {$68000.00}.

Attached you will find : Two emails from XX/XX/19 showi

ng the sale of Bitcoin ( into the cash $ account at Coinbase ). Two emails from Coinbase (
XX/XX/19 and XX/XX/19 ) customer service showing my interactions with them. Trying to resolve the issue. You can see where in bold they say We are not able to provide you with any additional information. 

I also have a problem where I deleted the XXXX XXXX app, so I lost my key for the XXXX XXXX verification. According to the sits FAQ ( attached ). They may need to perform a security reset so it reverts to the SMS verification so that I can do the final transfer, once the funds are released. 

You can see in the attached site FAQ document " Coinbase Reset Broken XXXX   XXXX '' on page 2, line item " I lost or broke my security key ''.

To reiterate my problem one more time ; Coinbase does not respond to my requests to transfer my cash out of their account back into my checking account. Nor do they respond to my requests to reset the 2-step verification.

Company response to consumer: Closed with explanation