BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Federal student loans XXXX XXXXe application was approved 100 %, credit report shows new loan XXXX XXXX and double amount when everything should be canceled XXXX University misled me and it affected my credit and family. See attached. 
Also this has affected my credit for years and interest was accrued which affected my approval chances. Now that my loans are being waived compensation for damages need to be looked into.

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 2022-03-30
Company: Franklin Financial  Corporation
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Franklin Financial XXXX has reported an account to my credit this morning, I was notified and called them. They have my current address and phone number but I have not gotten any bills from them. I asked them to provide me with proof they have sent me something and he had nothing to send. I spoke to XXXX XXXX at XXXX ext XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a repossession from XXXX XXXX on all 3 credit bureaus. Ive written to the companies and advised that i was involved in the class action lawsuit they had against them for predatory lending. XXXX had agreed to remove any and all derogatory accounts pertaining to the lawsuit. Ive disputed woth all three credit bureaus and the derogatory acct. is still showing on 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 non-monetary relief
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15
Company: EQUIFAX, INC.
State: NC
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:
Federal student loans borrowers defense application was approved 100 %, credit report shows new loan XXXX XXXX and double amount when everything should be canceled XXXX University misled me and it affected my credit and family. See attached. 
Also this has affected my credit for years and interest was accrued which affected my approval chances. Now that my loans are being waived compensation for damages need to be looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Chime Financial Inc
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX dollars was transferred in my accounts while XXXX was in the hospital with XXXX XXXX by my ex boyfriend. I didnt have access to my accounts but Chime approved my disputes for the transactions but not the transfers. When I provide proof. I had XXXX  and XXXX XXXX didnt get access to my accounts until XXXX or XXXX all the transfers were done while I was in the hospital

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was trying to settle about my payment history when someone in their bankruptcy department and this foreign speaking guy who was very rude toward me, and unprofessionally hung up on me while I was trying to explain to them that I made 4 payments for this month XX/XX/2019. They are supposed to be making sure my payments are being applied to my account not intentionally trying to mess me up! It's very frustrating when they refuse to work with you or even listen to you because Carrington has these foreign speaking people that don't understand English or maybe they understand. Carrington is flat out making this difficult or they are telling employees to harass and hang up on me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Big Picture Loans, LLC
State: LA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/2023 I applied for the loan for {$1800.00}. XX/XX/2023 I started to repay the loan {$280.00} every 2 weeks. The last payment was XX/XX/2023 for XXXX. I have paid a total of {$1400.00} will about 20 payments left at {$280.00}. for a total of {$7400.00} for the life of this loan. If you cant make the schedule payments they will double your payment and continue to add interest charges to the loan and constantly send your delinquent emails and send your account to collections. This company is hard to work with. You cant afford to miss a payment because the interest will still accumulate more. I just research and there fee is more than Louisiana would allow on loans this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly depressed upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly.

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.

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 2019-08-25
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
In XXXX of 2019. I had checked my credit report with experian, who monitors my credit. I received an alert telling me my credit score was XXXX which I thought was great. Only problem is they said I had a XXXX with ratio to earnings. I could not get any help for credit consolidation. A week later I checked my credit again and it still showed XXXX credit score but my income ratio went up to XXXX. I did not understand since I have not taken any loans out and was trying to fix my credit. A week later I checked my credit after getting an alert from experian. I then checked and it showed my score went down to XXXX and my ratio to spending was at 100 %. I could not understand this and finally called and asked them why. They said because I closed my XXXX account. I explained to them that I closed the account because I was very dissappointed in their windows and lieing to me when I applied for the loan and service. They never told me taht I would have to pay interest a year later. I was doing rela good in paying every month but after this additional {$2500.00} interset I had enough, and because of XXXX filing bankrupcy I closed my account with XXXX and explained why. Little did I know I was dealing with XXXX bank and explained everything to them including that the men that got me the loan from XXXX did something to get me the credit when I could not in the beginning. My complaint is how can they give me a 100 % spending rating for closing the XXXX account. I think this is so unfair. What can I do about what tehy did.

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 2022-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited {$18000.00} on Thursday, XX/XX/2022 at XXXX PM inside my local Bank of America. My deposit slip said that the money will post on XX/XX/2022. As of today, XX/XX/2022, none of these funds have been made available to me. The bank the check was written on operates in the same clearing house. The check was written from an XXXX trust account. The bank 's policy states that the first {$220.00} of my deposit may be available not later than the first business day after my deposit. It is not. The bank states none of my deposit will not be available until XX/XX/2022.

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 2020-06-19
Company: Experian Information Solutions Inc.
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:
I applied for a XXXX XXXX XXXX credit card on XX/XX/20 because I want to start building up my credit but unfortunately I was not approved because I guess there are four accounts in negative standing on my credit report. I wasn't aware of these accounts before today because like I said I'm barely starting to build credit. These accounts do not belong to me ; I did not open any of them and I did not give anyone permission to open them in my name. I have no idea who is responsible for these accounts but I did not benefit anything from them being open on my behalf such as money, goods, services or any other benefit and I never made payments towards these accounts. The accounts were opened with these companies-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not have a contract/agreement or any affiliation to any of these companies nor did I ever authorize them to access my credit information. I have filed this report with all the information I have.

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 2020-01-21
Company: Commercial Acceptance Company
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The Commercial Acceptance Company contacted me on XX/XX/20 at XXXX from ( XXXX ) XXXX regarding a debt I owe to XXXX XXXX XXXX XXXX . They stated my amount of debt and that they would be able to stretch payments 12 months and that they payment each month would be XXXX dollars and some odd cents. I can not afford this amount and so I told the woman on the phone that i had been paying a debt collection agency {$20.00} a month but in around XXXX those payments stopped coming out of my account. She then asked how close i could get to paying the XXXX dollars a month and i said the {$20.00} was working for me and the best i could do. She then asked if i could do {$50.00} and i said no. She then stated she has to report me as a refusal to pay. I said okay and i hung up the phone, but i cant understand how i can be reported as a refusal to pay when i wasnt refusing to pay. I can't afford paying almost {$400.00} a month in health insurance and another {$150.00} a month on top of that to a debt collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
This is a complaint against Coinbase Inc. My account is under this same email alias that I am lodging this complaint. 

My account with Coinbase and Coinbase Pro ( one account on two different trading platforms ) has been operational since XXXX. I deposited some BTC coins at the end of XX/XX/XXXX. There was a platform service degradation where I couldn't trade ( sell/buy ). When this persisted for a few days, I decided to withdraw my BTC coins back into my hardware crypto wallet. I couldn't because the account was " locked ''. I found out that Coinbase wanted me to complete the KYC process. 

I then proceeded to upload following documents : 1. Articles of incorporation for my account ( as this is under a business entity ) 2. Banking statement showing the source of funding for this Coinbase account 3. W9 form 4. Personal government identification 5. Completed submission of the following roles - " Primary Control Person 1 '' and " Authorized Representative 1 ''.

Unfortunately, when I tried to submit details for " Authorized Applicant 1 '', the KYC program " hung ''. There's a bug.

Coinbase Customer Help has not been able to help, and keep creating new support cases that do not address how to complete the KYC. In attached email, you can see that Coinbase had made " .. some modification in the portal to allow you to see KYC application to update your information and documentation. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-15
Company: DISCOVER BANK
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Saturday XX/XX/XXXX I noticed my debit card was not working, I was expecting refunds and other transactions to hit my account via that debit card. So I called my bank immediately and was told that a new card had been sent to me by the " System '' because it decided that I needed a new " tap to pay '' debit card. I was never given notice about this, I never received an email about it, nothing. All Discover bank could do was apologize over and over again and informed me that I would need to file disputes about the issue. SO I did that. Unfortunately that is where the help stopped and the judgements, accusations, and flat out refusal to assist me with a problem they created began. The disputes dept and supervisors flat out did not believe me, told me I was lying to them, mocked me, and flat out refused to expedite the credits into my account that I should have received. I have not eaten in 2 days, I have already missed work twice, and will undoubtedly lose my job, my home, my car, and be left with nothing. I have children, I have a family and all that is going to be gone all because of the attitudes and treatment I was given by Discover Bank and their disputes dept. I am in tears as I write this, I never knew a company could mistreat a consumer in this manner. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Lockhart, Morris & Montgomery Inc.
State: NM
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have made numerous attempts to gain deletion of the account for {$5500.00} account either updated or deleted from my credit report, the date on the reported account is incorrect per the original contract, also, I am a Veteran and was told by XXXX I would not be charged for this account due to my Veteran Status! Please remove this account per the fcra you must report ACCURATE INFORMATION! I have attached the original contact for your reference to the date you are reporting vs the date on the contract!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2020-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I received a wire transfer from overseas from someone that I offered a service. That person transfer wired me money, I made the shipment of the goods they needed and after that they went to their bank and asked for their bank to retrieve that bank wire. Bank of America put my account on hold for 2 weeks, and now they decided to close it, but they never said that they would give me my money back.

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 2021-05-11
Company: FIRSTBANK PUERTO RICO
State: PR
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:
Greetings On XX/XX/XXXX I wrote about a situation that occurred in my credit report with the SANTANDER account. I have indicated that the account that appears in delinquency that I have sent on several occasions is SANTANDER not Firstbank who acquired my mortgage. It was sold in XX/XX/XXXX and a delay that they report as 90 days is XX/XX/XXXX. Every time I write it is a situation that affects my credit more with incorrect information. I have sent you my credit information from XX/XX/XXXX to XX/XX/XXXX without any response. My account has always been paid well.

Company response to consumer: Closed with explanation