BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-28
Company: National Credit Systems,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: Problem with personal statement of dispute

Complaint:
I have a collection account from a prior apartment complex, The XXXX. They fraudulently charged me {$200.00} for things in my apartment, like blinds and cleaning, charges I was never made aware of. All to the tune of {$8000.00}!! 
I told them I would not pay. Then they sold my debt to a collection agency. I never gave The XXXX permission to share my information so I tried to contact the collection agency. I sent them a letter. They replied saying it was not them who was trying to collect off me. I then sent the letter that they sent to me to the all three credit reporting agencies and the collection account was still not removed. This is severely affecting my credit score and my ability to buy a car. I currently pay 25 % interest on my car because of this. I'm asking that the credit bureaus remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX account # 's XXXX, XXXX, and XXXX were all included in my chapter XXXX bankruptcy and have been paid. However they keep updating monthly and it is damaging my 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 explanation
Consumer complaint received 2021-12-03
Company: Navient Solutions, LLC.
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: Investigation took more than 30 days

Complaint:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
*Bankrputcy statetment I have reached out to the major credit bureaus about inaccurate information being reported on my credit file. I requested my recent credit file report I have noticed several inaccuracies on my file other names, addresses including a bankruptcy public report. I have no knowledge I attached a letter from XXXX XXXX whom the credit bureaus stated the information was retrieved from. XXXX XXXX have deleted the information out their system from their file. I would like this information to be deleted from the XXXX major credit bureaus I have sent all documents from my local city bankruptcy court and XXXX XXXXXXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq states accurate information must be reported Please delete this bankruptcy from my 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 2021-12-03
Company: American First Finance, Inc.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was told during the loan application process there was no interest charge for 6 months. I am presently being charged 169 % interest on my loan. The company is insisting they did not lie and these are just finance charges. The company is using the term interchangeably with interest in order to trick consumer into astronomical interest rates.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-10
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Coinbase promises {$5.00} in XXXX for verifying your identity on its application. I have done so and even received an email stating my {$5.00} is on its way. I have never received this {$5.00} in XXXX after 3 complaints to their customer service dept. I have met all the guidelines for this " promotion '', yet they have failed to come through and its been over a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I just found out that XXXX had a breach in XX/XX/2022 of all their about and when I went on my credit report it stated I have been breached and in the dark web and I noticed so far one account opened in my name with a balance of XXXX dollars I didnt open also there must be more because in a week my credit score went down XXXX points that is a lot of points for one week

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I bought a new XXXX with XXXX through Citizens One Personal Loans back in XXXX XXXX. The phone was returned to XXXX on XXXX XXXX, XXXX do to a defect. XXXX informed me that they would take the phone back for a full refund and I purchased another phone and a new loan started XXXX XXXX, XXXX with my brand new phone. <P/>Citizen One sent me a letter stating my account # XXXX was closed and would be credited back to my credit card within 5-7 business days. After this time I called and spoke to a representative that told me the claim was not processed and she was not sure why. She transferred me to her Supervisor XXXX which told me he would rush the claim and it would be credited back to me no later thanXX/XX/XXXX. Today is XX/XX/XXXX and the credit has still not been issued. <P/>I 'm done fighting with them, I have records that state I would have my money back 5-7 business days from XXXX XXXX, XXXX. It 's now XXXX XXXX. Way past the date the credit should have been issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I submitted the IDR application along with my tax return. I emailed fedloan several time about the status. The response is that enough information is not included to provide a response. The account number is listed in the email/inquiry. As of today, I have not received a response regarding the supposedly missing information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Chime Financial Inc
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This is the 2cd issue I've had with a large amount of my funds being stolen. The first time I filed a dispute and was declined. I filed a rebuttal and it was declined as well. I then filled a complaint and nothing happens. {$7400.00} are still missing from XXXX. Now this incident occured XX/XX/XXXX through XXXX of XXXX. I filed a dispute and it was declined. I proceeded to file a rebuttal and all the sudden the company closed my accounts stating I breeched agreements in which I did not. I filed identity theft 2 times with FTC. When I sent a copy of my report to chime is when they closed my account. I have asked in XXXX for documentation as to why they declined my rebuttal and I did not receive nothing. This time XXXX of XXXX I asked for documentation as to why they declined my rebuttal as well as documentation of what agreement I broke for them to all the sudden close my accounts after banking with them for 8 years. I had an active checking savings and credit card and they closed all 3 stating I did something. They have stolen over XXXX and won't give me documentation so I can pursue legal action. I asked them to freeze my account during these times my money was being used without my permission. They did not freeze my accounts. Now I'm facing hardship due to this large amount I'd my money taken each time. Still to this day I have received no reasonable explanation or was I provided documents I requested. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
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:
While checking my credit I noticed that there were several fraudulent accounts on my credit report i did not apply for any of these inquiries, so i filed a police report for identity theft and police told me to report these account to the credit reporting bureaus. And the credit bureaus did not help me. Here are all of the inquiries that are on my account that i didnt apply for. 
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 i have attached the identity theft 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 2017-07-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NV
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 had a credit card through 5/3 bank and fell behind when I lost my job. The bank since then has constantly harassed me by calling at times when I have asked them no to call because of the time zone difference. Still the bank calls me on their Eastern time while I live in a pacific time zone. Further the bank got my bank account number from a payment that I made to them and randomly started withdrwling over {$600.00} each month that I would have to notify my bank that I did n't authorize and then pay the bank a stop payment fee of {$30.00} each time. This has been going on since XXXX of last year and regardless of me telling them to stop this they will not and continue to overdraw my account with each of these {$600.00} debits. Today they did it again overdrawing my account by over {$400.00}. I do n't know where else to turn since I have asked 5/3 to stop this to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: National Credit Systems,Inc.
State: NC
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:
The following account, with the XXXX was opened on the date of XX/XX/2017 without my knowledge and added to my credit report for the amount of {$7900.00} dollars. This is considered a fraud and additionally is a violation of my rights as a consumer. Furthermore, this company never validated the account with any supporting evidence as required under 15 usc ****g I demand this account to be taken off as soon as possible from all the credit reporting agencies including XXXX XXXX XXXX and XXXX XXXX I also demand {$1000.00} per occurrence for this violation. National Credit Systems is holding me liable for a debt that has been paid and full. My debt was not with National Credit Systems it was originally with XXXX XXXX. National Credit Systems also advised me that once the account is paid in full it would be removed from my credit report. National Credit Systems also increased the original amount from XXXX XXXX. I want this cleared off my credit immediately as it has been paid, as promised in the letter. I want the agency to forward this paid in full and a clearance letter to XXXX XXXX as well, so the debit is cleared. I want my money back and this information removed from my credit report. In the form of certified funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: CMRE Financial Services, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a complaint against cmre financial services and XXXX XXXX XXXX 


On XX/XX/XXXX I was contacted by XXXX XXXX XXXX to attempt to collect a debt. I explained I was never treated by them and they could not find any record of me having been to any of their facilities. I asked not to be contacted again with regard to the matter. 

On XX/XX/XXXX XXXX XXXX I began to receive junk calls that my call filter would filter XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX On XX/XX/XXXX the flagged call left a voicemail about the debt of someone names XXXX XX/XX/XXXX XXXX XXXX  another call no message XX/XX/XXXX XXXXXXXX XXXX another call no message XX/XX/XXXX XXXXXXXX XXXX  another call no message and XX/XX/XXXX 2 back to back calls XXXX XX/XX/XXXX another call XXXX XXXX with another message about XXXX XX/XX/XXXX 2 calls 1 at XXXX and another at XXXX XXXX leaving another message XX/XX/XXXX another call and message left XX/XX/XXXX another call and message left XX/XX/XXXX another call and message XX/XX/XXXX another call and message XX/XX/XXXX 2 calls 1 at XXXX the other at XXXX XXXX XX/XX/XXXX another call and message XX/XX/XXXX another call and message XX/XX/XXXX 2 calls and 2 messages XX/XX/XXXX another call XX/XX/XXXX another call and a message On the XXXX message I was able to get a name and find a number and call the company. They were rude. I am not happy about this, I tried to stop this from the beginning. This company made a choice to pursue this type way of making money and they clearly don't have a clue what they are doing as this is illegal and I want compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I made a one time payment to cover XXXX XXXX and XXXX. Well because my payment had gone up because of escrow I did not have enough to cover all 3 months. Icalled them on XX/XX/XXXX and spoke with someone to pay the difference. They had put the extra amount in escrow. I asked him to reverse the payment and I paid the difference of {$96.00} and some change on XX/XX/XXXX. He told me it would take up to 2 weeks. I said okay I will check back then. When i called back on XX/XX/XXXX the payment still wasn't reversed. I was placed in a forbearance because of covid and they maid the forbearance start from XX/XX/XXXX. Now they are saying that I am late on the forebearance for XXXX. They were suppose tp reverse the XXXX dollars and take the XXXX dollars and make my XXXX payment. They did not do that. I need them to fix it now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I went to American Express website to extend credit to myself through their services and they have discriminated against me under the Equal Credit Opportunity Act. They are denying me my right to credit per the Truth In Lending Act 15 USC 1602 ( l ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: EQUIFAX, INC.
State: KS
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 previously had a student loan serviced by XXXX ; the loan went into default and was transferred to another servicer. I completed a loan rehabilitation program on XX/XX/XXXX and all derogatory information pertaining the payment history was supposed to be removed from my credit reports ; XXXX is the only servicer still reporting negative payment history and they are refusing to remove that information. I spoke to XXXX by phone on XX/XX/XXXX and was advised to send documentation via email verifying the loan has been rehabilitated and is in good standing ; I submitted all the requested documentation on the same day and was told I would receive a response within 3 business days- I have not received any communication. I filed a dispute with all 3 credit bureaus and ultimately had to file a complaint with the better business bureau to have the issue properly addressed. Equifax was in the process of investigating my dispute at the time therefore they were not included in my complaint ; at this time, they have resolved the dispute and the resolution was to change the payment history to " current '' for only 2 months out of 15 months that show derogatory information and to change the remarks on the account from " student loan permanently assigned to government '' to " consumer disputes after resolution ''. All other credit bureaus have reviewed the documentation I supplied to show the loan was rehabilitated and is in good standing with the current servicer, the guarantor and the Department of Education and they have either removed the account entirely or removed all late payment history from the record yet Equifax has only removed 2 months of late payment history. There is no reason why the negative information should still show up and I would like for it to be removed as it is detrimental to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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'm so embarrassed end upset because I checked my credit report because I'm looking for a new home. and again I see multiple items on my credit report that are not mine. I have reached out to the FTC and to my local police department. I am doing this on my own behalf and again these items need to be removed asap. XXXX, XXXX XXXX, XXXX BANK 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, Chapter XXXX Bankruptcy

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am the owner of a cash / investment account # XXXX at XXXX XXXX XXXX have been for over 10 years. Six weeks ago I was erroneously advised that I could not transfer from or to this account from any of my other accounts. After the restriction was removed I am still unable to transfer to or from this account to my other accounts on line as I was before the restricting was applied, as XXXX  advertises you can & evidently as all their clients can. XXXX XXXX, my Premium Elite Relationship Manager, has been telling me for six weeks he is  working the problem but obviously he is getting nowhere and there is no indication he has made or is making any progress.

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 2022-04-29
Company: EQUIFAX, INC.
State: TX
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:
15 : USC:1681 section 602, states I have the right to privacy 15 : USC:1681 section 604 A section 2.it also states a consumer reporting agency can not furnish a account without written instruction. 
15 : USC:1666B : a creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 reverse the late payments reported on the following accounts : XXXX   XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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