BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-02
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Hi i deposited {$250.00} to my coinbase account from my XXXX XXXX XXXX bank account. 
The deposit failed " due to insufficient funds '' I had in person deposited cash into my bank. 
Later I noticed the cash was withdrawn from by bank account but did not show up in my coinbase account. I've contacted support but its been weeks with no resolution. Case # : XXXX I confirmed the missing funds by adding up all my bank 's coinbase deposits and all my coinbase purchases there is a difference of my {$250.00} deposit. I dont know which deposit is was. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: DISCOVER BANK
State: WI
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:
In accordance with fair credit Reporting act XXXX  Account # XXXX has violated my rights 15 USC 1681 Section 602 State I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consume reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
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:
TRANSUNION IS REPORTING 16 INCORRECT INQUIRIES ( XXXX SCREEN SHOT 1 ) AND XXXX IS REPORTING 9 INCORRECT INQUIRIES ( XXXX SS 2 ). NEITHER COMPANY IS POSTING CONTACT INFORMATION REGARDING THE MISINFORMING AGENCIES AND I AM SUFFERING DAMAGE BECAUSE OF THIS MISINFORMATION.

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 2023-05-16
Company: Nelnet, Inc.
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I filed a complaint against Firstmark services regarding my private student loans earlier this year. In effect, they did absolutely nothing to help me with loan repayment. The only change has been an increase in my monthly payments. If this continues, I will have to start choosing between eating and making timely loan payments. Furthermore, since Firstmark took over my loans in 2022, my total balance has decreased by less than {$1000.00}. The majority of my monthly payments is applied to interest. This can be seen in my payment history attachment ( I redacted personal details ). Right now, I bring home less than {$45000.00} annually ; I live paycheck to paycheck. The company 's initial response to me was tone deaf, at best. Something must be done about the predatory nature of private student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY CREDIT REPORT. PLEASE REVIEW THE ATTACHED DOCUMENTS FOR THE DISPUTED ITEMS AND HAVE THEM REMOVED FROM MY CREDIT REPORT 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 2020-09-11
Company: EQUIFAX, INC.
State: FL
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 am a victim of identity theft. Someone unknown to me is using my name and information and may attempt to access my accounts or open new unauthorized and fraudulent accounts. I filed the report XXXX with the FTC and contacted the creditors and bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: ACS Education Services
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: Investigation took more than 30 days

Complaint:
In XXXX and XXXX of 2019, there was an error in the conduent loan computer system in which my acct was set up for automatic payments but they did not take out the payments for those two months. When I called in XX/XX/2019, I spoke with XXXX in accounting and was told that they would fix the error and update the credit bureaus with the correct information that I was not delinquent or late. I have filed complaints with the credit bureaus but they have not received any documentation from Conduent. When I tried to call Conduent back, the number is disconnected and they have moved my loan to another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: AMCOL Systems, 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: Account information incorrect

Complaint:
I have filed disputes while accounts still open to inform company of misuse of card/product by other persons than myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: AMERICAN HONDA FINANCE CORP
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
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: Information belongs to someone else

Complaint:
I have Unauthorized accounts & inquires on my Credit report. According to the FCRA Any Unauthorized items on my report must be removed if not 100 % Accurate & Verifiable.  Please Remove this 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 2023-01-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 my written instructions.

15 USC 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 2018-11-16
Company: Experian Information Solutions Inc.
State: FL
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:
Good morning, I have attempted to have the three credit agencies ( Experian, XXXX, and XXXX ) remove old addresses which are not feasible to receive mail. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and would like all three credit agencies to comply immediately.

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 2018-11-16
Company: Duncan Solutions, lnc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received a demand for payment for an unpaid citation from debt collector : XXXX XXXX XXXX XXXX. Reporting I owed for an unpaid meter in the District of Columbia for an {$55.00}. I have never been to the District of Columbia and have contacted by phone and written twice to agency to dispute and stop debt. The notice letter has a mailed date of XX/XX/XXXX stating I have unpaid expired meter dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: Consumer Adjustment Company Incorporated
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I have never heard of the Consumer Adjustment company and have no idea of the debt that has been reported. Ive never been notified or contacted and his company has violated my HIPPA and Consumer rights by reporting false information that has not been verified by me. They have reported false information to the credit bureaus. This is not my debt so please delete from my credit report because you are hurting my score and its negatively impacting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
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: Card was charged for something you did not purchase with the card

Complaint:
I used Experian to freeze my credit report due to a issue with someone requesting a card in my name. I also froze my account with the other 2 credit bureaus.

I did not request or sign up for any additional services, but to the best of my ability followed directions to freeze my report. I did not give them a credit card number. I did give them my phone number from which I guess they retrieved, without my permission of knowledge one of my credit cards that was registered for XXXX. the charges to my XXXX XXXX referenced XXXX. The first charge appeard on XX/XX/XXXX and continued monthly till XX/XX/XXXX. When I discovered the charges, for which I had no memory of agreeing to or signing up for, I called as was ( after a lengthy call tree wait ) that they would do me a favor and refund the current month amount and cancel my membership. They would not refund prior months and told me to dispute them on the XXXX  site, which I did today. 
Clearly Experian is taking advantage of people requesting to freeze their account by using the word lock to charge for a subscription. They are disreputable and dishonest. Please investigate their website for their trapping people into their subscription service. 
Thank you

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 2023-01-11
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
Incorrect Addresses are reporting on my credit report. Ive sent numerous letters to the bureaus demanding to delete the incorrect personal information on 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 2022-02-28
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
AWA Collections is attempting to collect a debt that was paid on time more than a year ago. I have received a collections letter via USPS. This company is not available by phone and has no Internet presence other than a payment portal that has no mechanism to contact or dispute debt. 

The insular nature in the way this company operates is unfair to consumers. Particularly for those who want to dispute the debt. The dispute process needs to be accessible from multiple platforms in an effort to ensure accuracy and convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: A-1 Premium Acceptance, Inc.
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I was unemployed and got the loan to help until I found a job. Found a job was paying on loans then my ex-husband started trouble legally. I had to take care of other things first. I'm consolidating, started XX/XX/2019. Informed king of cash that is the only they will be getting paid. I believe I gave my consolidating the their info I am still constantly getting phone calls on my phone and I am being sent emails from one of my bosses that king of cash is calling them everyday leaving voicemails and I already told them about consolidating situation. They still are constantly calling my phone and my work phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a loan under Countrywide in XXXX in MY NAME ONLY, XXXX XXXX XXXX XXXX My mom was on title, XXXX XXXX XXXX . She lives in Ohio and I live in California. Under these 2 class action lawsuits XXXX XXXX XXXX XXXX Class Action Lawsuits are Waldrup v. Countrywide Financial Corp., et al., Case No. XXXX, and XXXX, XXXX XXXX XXXX   Countrywide Financial Corp., et al., Case No. XXXX, both in the U.S. District Court for the XXXX District of California money was sent. However, it was sent to my mother in Ohio who was never on the loan and Quit Claim Deeded herself on the property in XXXX. Why are you sending her the checks? This needs to stop immediately or I will seek triple the reimbursement. Property address for loan is XXXX XXXX XXXX, XXXX, CA XXXX. I still own the property in my Trust,

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 2023-05-16
Company: Consumer Adjustment Company Incorporated
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX and XXXX are reporting that CONSUMER ADJUSTMENT is attempting to collect an alleged debt of XXXX $ .CONSUMER ADJUSTMENT does not have a license to collect a debt in Illinois , hence making this an illegal report. I would like this removed from my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: STATE FARM BANK, FSB
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
had my phone hacked into tried to call STATE farm to get transaction history they didn't want to provide information after asking for the REP 5 times all I wanted with transaction history. She was so rude to me i couldn't get what I wanted or even any part of the transaction Tried to close account just in case it was hacked but at this point, I don't know what on my account b/c of the above incident

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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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 2018-11-16
Company: CITIBANK, N.A.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

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 2018-04-13
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:
I have called and sent many letters to have incorrect addresses removed from all Credit Bureaus and disputed incorrect information on reports and keep getting told they are verified but havent gave me no verification of account accuracy.

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 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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