BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-25
Company: Experian Information Solutions Inc.
State: MI
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 the following complaint to Experian : I had a credit card account with XXXX XXXX XXXX Bank. The credit card was opened XX/XX/XXXX, and was charged off in XX/XX/XXXX. XXXX has incorrectly reported the dates of the bill being current, which they report as ONLY the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The bill was current XXXX XXXXXXXX XXXX. The bill was charged off in XX/XX/XXXX, however the information on the credit report shows the bill as being charged off in XX/XX/XXXX. They also reported the last payment as XX/XX/XXXX, which is incorrect. This caused a severe decrease in the on-time payment percentages shown on my credit report. Secondly, after the closing of my personal bank account with XXXX in XX/XX/XXXX, they revoked my account usage which prevented me from using their app and website to make payments. I settled the debt directly with XXXX on XX/XX/XXXX for {$81.00}, after receiving a letter in the mail. However, the reported balance on my credit report prior to XX/XX/XXXX was shown as {$810.00}. The items I cite as being violations of the FCRA are -posting the high balance ( XXXX ), which is higher than the collections representative had me pay ( XXXX ), -an incorrect date of first delinquency reported which is required by FCRA 623 ( a ) ( 5 ) ( a ), -and it would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information is continued to be reported. Furthermore, there are 0 sections in the FCRA that prohibit deletion. I have attached screenshots showing the date of payment and amount, and how they changed the dates of current/past due/charged off on my credit reports. 

On XX/XX/XXXX, I checked my Experian credit report to find that Experian completed the dispute, incorrectly updated the charge-off dates, and completely removed the 'CLS ' code, showing that the account was closed. Not only did they completely ignore the above information, which has violated several FCRA statutes, they have added even more incorrect information to the account. I have attached the screenshots showing the 'before ' and 'after ' of the account, which shows how they incorrectly updated the charge-off dates AND removed the 'CLS ' code. I have also attached the four screenshots which were attached to the previous complaint.

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 2018-11-28
Company: Mandarich Law Group, LLP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I called agency spoke to the account representative at that time XXXX Whom I made a payment agreement to pay the amount of {$3300.00} in monthly installments of XXXX and the Interest on the act will cease and the {$3300.00} will be the only amount I will pay. I then called I believe two months after to reset the payment arrangement because of financial difficulties to $ XXXX/month to go towards the original agreement of {$3300.00} since then all the payment have been automatically made and in every communication made with the same representative it was agreed the payments were going to the same arrangement then representative left the company when I called to check on my balance on XX/XX/XXXX the account was assigned to XXXX XXXX who informed me there was no such agreement to only pay {$3300.00} and the balance due at that time is the amount that I would have to pay I then disputed the account They never send me anything rectifying the dispute then on XX/XX/XXXX I called to confirm if my balance was paid off because I was only charged {$24.00} Same representative XXXX XXXX informed me there was still a balance due with nothing showing that I was only to pay {$3300.00} in total he then said their system had changed and there was no such notes showing that agreement was made. I disputed the account again then on XX/XX/XXXX I was issued a letter stating I have passed the time I had to dispute the account balance and According to section 809 ( b ) of the Fair Debt Collection Practices Act and the balance at this time which is {$1700.00} is due and collection activity will continue. This is unfair collection practices and we need to put an end to it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: Sentry Credit, Inc.
State: OR
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:
XXXX XXXX XXXX Reported to XXXX that i have a balance of XXXX with XXXX XXXX XXXX XXXX. I settled This account over 2 months ago. I received a letter from the creditor stating that the account is paid. I have since disputed the item with XXXX. XXXX  says that the Creditor has told them that i still owe the debt as of XX/XX/18. XXXX at XXXX  said that Sentry  said i still owe, XXXX XXXX from Sentry on behalf of XXXX XXXX XXXX says that Sentry can not help me and will not fix this credit reporting error.

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 2019-09-07
Company: EQUIFAX, INC.
State: TX
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 have Sent in all my proper paperwork to all three credit bureau to show I had identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-28
Company: WELLS FARGO & COMPANY
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 is missing that should be on the report

Complaint:
Wile we were in bankruptcy Wells Fargo listed on our credit report as delinquent with XXXX XXXX credit. We contacted XXXX XXXX and contested the report. The whole mortgage was removed because of bankruptcy protection against derogatory reports against our credit.We filed chapter XXXX and reaffirmed my mortgage with wells fargo.Upon completion of our bankruptcy wells fargo continues to refuse to list our mortgage on our XXXX  credit report. It has been more than 2 Years of multiple calls and letters to wells fargo to no avail.Even complaints to the presidents complaint department didnt help The other two credit bureaus report my mortgage no problem. Only XXXX XXXX who I have contacted and has said its  Wells Fargo Holding our Mortgage data and refuses to release it. This adversely affects our XXXX   credit score and affects our credit and ability to get credit PLEASE HELP! We don't know what else to do

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 2018-05-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
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 obtained a 5/3rd Trio Card in XX/XX/XXXX from branch manager XXXX. Promotion was to spend {$1000.00}. in first 90 days and receive {$100.00} cash. XXXX, branch manager explained in detail that after this criteria was met it was as easy as walking back into this branch and receiving the {$100.00}. XXXX misrepresented the card, saying it would really be an added promotion to an existing 5/3rd card I have, as I was sensitive to the fact that part of my credit score was helped by having the long existing 5/3rd card. XXXX assured this would be the case instead a new start date with a brand new card was initiated, affecting credit score. I did spend the {$1000.00} in the first 90 days.

I have gone in now 3 separate times to resolve this, speaking with XXXX XXXX XXXX and now XXXX XXXX. Each trip was over 30 min in length due to each of them not resolving the issue. All 3 state it is clear I have met the criteria, but " corporate or credit division or whoever '' does not show the correct amount of reward points and all have tried to make this correct. 
Latest visit was yesterday, XX/XX/XXXX to XXXX, manager, who after 40 min took my info and assured that a regional manager would call same day. I provided phone and email, no call or email. I just want to receive the {$100.00} promised to me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: DISCOVER BANK
State: FL
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/XXXX, I received a text message from Discover Card, asking if I had recently made a {$1.00} charge at a XXXX station. Since I mad no such charge, I immediately called Discovers Fraud Department to inform them that no such charge was made by me. During the conversation, eight fraudulent charges totaling {$400.00} were identified. The representative stated that my card would be canceled to prevent further fraudulent charges and a new card would issued. Additionally, the representative stated that I would not be liable for the fraudulent charges and they would be removed from my account.

During my online review of current activity for my account, I noticed that Discover had reposted these fraudulent transactions to my account. On XX/XX/XXXX, I called Discovers Customer Service Department, asking why the fraudulent charges were transferred to the new account. The representative stated that the error would be corrected and the fraudulent charges would be removed within the next few business days. On XX/XX/XXXX, I received two emails from Discover Customer Service, stating that the dispute had been resolved in my favor. On XX/XX/XXXX, I received an additional five emails, stating that the dispute had been resolved in my favor. On XX/XX/XXXX, I once again checked online to see if the fraudulent charges had been removed. Once again, the fraudulent charges were still on my account! I sent a secured email through Discovers website, asking why these fraudulent charges had not been removed from my account. On XX/XX/XXXX,  all I received from Discover was a canned response thanking me for my letter and asking me to call a security specialist at another number for assistance. 

Given that Ive already received the runaround from Discover THREE times, I have no intention of going through this nonsense for a fourth time and am now contacting the CFPB for assistance and resolution since Discover has proven their incompetence in properly resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-16
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The loan was opened XX/XX/XXXX, I have NEVER made a payment on the loan. They falsified payments, stating that I had made a payments in XX/XX/XXXX, I am assuming the reasoning was to keep the account open longer therefore it is still listed on my credit report. The account should have went into collections in early XX/XX/XXXXand should be removed from my credit report within 7 years, however, because they falsified the payment history the account remains long past it's time. I have disputed this information with all three credit bureaus numerous times and XXXX keeps stating " dispute resolved, customer disagrees '' but they have not changed any status on payments or provided proof of payments.I have been fighting this false information for years and I am unsure what to do in order to get results and have the correct information reported. Also, the loans ( 3 ) were sold to another company and I have agreements with that company. I am not trying to escape paying my debt I just don't understand how they can report incorrect information and refuse to fix it, and after selling the loan ( that account is also on my credit report currently in good standing ) I would just like this issue removed if possible, or corrected so that it will expire within the year.

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 2021-07-13
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:
i sent in a letter from the united states bankruptcy court stating the bankruptcy court does not perform any activites with the credit bureaus .i would like it remove off 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 2019-09-07
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I called to see if I could lower my monthly payment, I was told no because I have a co-signer on file and was recommend to get my co-signer to be released. My first problem was speaking to representative XXXX is number XXXX who had an attitude and could not provide me with the proper information of if I am eligible for co-signer release, after being on the phone with her for 30 mins, I was frustrated and requested to speak to a supervisor to complain. She put me on hold for 25 mins and 32 seconds additional and I was able to speak to XXXX Id XXXX. Long story short I do not qualify for co-signer release form because I missed one of of 12 months of consecutive payments, I was late by 2 days ( holiday weekend ) of making a payment in XX/XX/XXXX and now I have restart making all my payments for another 12 months. In addition my co-signer does not help me financially, he only help put his name on the application. Long story short I have to come up with XXXX dollars a month for student loans, pay a car note, mortgage and some how provide for my daughter ... I was told there was nothing to be done and my credit score if high enough so I can manage the payment. Just soo disappointed with this educational process.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The loan was opened XX/XX/XXXX, I have NEVER made a payment on the loan. They falsified payments, stating that I had made a payments in XX/XX/XXXX, I am assuming the reasoning was to keep the account open longer therefore it is still listed on my credit report. The account should have went into collections in early XX/XX/XXXX and should be removed from my credit report within 7 years, however,  because they falsified the payment history the account remains long past it's time. I have disputed this information with all three credit bureaus numerous times and XXXX keeps stating " dispute resolved, customer disagrees '' but they have not changed any status on payments or provided proof of payments.I have been fighting this false information for years and I am unsure what to do in order to get results and have the correct information reported. Also, the loans ( 3 ) were sold to another company and I have agreements with that company. I am not trying to escape paying my debt I just don't understand how they can report incorrect information and refuse to fix it, and after selling the loan ( that account is also on my credit report currently in good standing ) I would just like this issue removed if possible, or corrected so that it will expire within the year.

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 2021-07-13
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Debit card info was compromised, Chime bank will not provide provisional credit for unauthorized charges. Police report is filed and email with merchant stating charges were unauthorized and the merchant account is frozen. They missed a transaction and i had to file XXXX disputes ( dispute XXXX and dispute XXXX XXXX Smaller dispute was approved and bigger XXXX was denied multiple times

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Hi. 

COINBASE have been closing every single case that I made to fix the issue that I have with them : Case # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX and # XXXX. Thirteen single cases that they have ignored. All starts ends of XXXX, at the same time I made my first buy. I had been user since 2018, buy now is when comes the problems, with my first buy. 
I know they " hear my frustration and this is not the most ideal experience '', but it can not be possible that this problem be so difficult. Only verify my ID. They already have it! 

They tell me I should not submit multiple support requests, but I do, because they CLOSE every single case. So, that's why I open a new one every single time, because I see my case closed, and my account is still blocked. 

I only want to operate with my account like always did. My ID is fine, every document have been updated in your platform.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-21
Company: EQUIFAX, INC.
State: AR
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:
XXXX XXXX XXXX 5 accounts are reporting inaccurately.

The following were transferred to the XXXX XXXX XXXX/XXXX/XXXX and was paid, closed, never late.XX/XX/XXXX- {$2600.00} XX/XX/XXXX- {$1300.00} XX/XX/XXXX- {$3500.00} XX/XX/XXXX- {$3300.00} XX/XX/XXXX- {$980.00} These accounts are showing to be considered negative and at the same time showing in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Service Finance Holdings, LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Service Finance Company provided me, via my HVAC contractor, a loan for critical air-conditioning repairs during a 100 degree heat spell. The HVAC contractor did not fix the issue properly and Service Finance Co. initiated the loan prior to my final authorization-which violated their policy and contract requirements. Service Finance Co. subsequently started billing me and attempted collections-even though I had to hire a new HVAC company to complete the original work-and they understood that fact. They paid, erroneously, the original contractor for shoddy and incomplete work. Service Finance Co., after I initiated a complaint with them, decided to negate the contract and forgive the loan. I have numerous emails from them corroborating this. However, they continued to send me billing notices and did collection phone calls to me almost daily. They reported me delinquent to all three credit reporting agencies-and after months of trying to correct the situation, Service Company has not been responsive or living up to their agreement. The credit agencies won't budge either. I need assistance getting Service Finance Co. to correct any and all negative information with the three ( 3 ) credit reporting agencies. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I have a " Money Market Savings Account '' with Bank of America. When I go online to the account info for this specific account, there is a link to " View fee schedule '' which takes me to a PDF outlining the fees. Note, this PDF is listed under the account info for this particular Money Market savings account, not somewhere else generically on the BoA website. When I review the PDF with account fees, it lists a variety of savings and checking account options and their associated fees. None of them has a name that exactly matches up with mine ( Money Market Savings ) but I reviewed all the accounts listed and saw that for all the possible accounts, I should be able to avoid fees if I keep a balance over {$1500.00}. With this information, I made a transfer out of my saving account that kept me above {$1500.00} but then I started to get $ XXXX/month fees! After many phone calls, it turns out that I have a " grandfathered '' in account that was not listed on the PDF ( and this PDF is posted under the account info ) and my account actually has a lower limit of {$2500.00}! But there was no way to know this from the information listed online, and instead the link to " View fee schedule '' provided me with incorrect information which led me to believe that the lower limit was {$1500.00}, not {$2500.00}. After many much arguing with Bank of America, they have refunded my fees. However, this seems like a systematic problem that must be fixed for other customers. The customers must be able to get the correct fee information about their account and especially must not be given incorrect information on their account pages.

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 monetary relief