BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-21
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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : 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 2019-12-05
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I reached out to Navient on XX/XX/2019. I stated that I'm getting bills for repayment when I've been a XXXX XXXX XXXX XXXX for the past several years and that I'm nearly done with my degree. They stated that I can no longer get forbearance but I could pay {$150.00} to get deferment. I told them that I make XXXX/yr with a XXXX   XXXX child and I don't have any extra money to pay to hold my student loans while I finish school and neither does my dad who is the cosigner because he's a XXXX vet on a fixed income. I also explained that I have to leave my job soon to do my student XXXX  and wouldn't have income at all. They refused to do anything to help and that they'll just keep going into collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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: Investigation took more than 30 days

Complaint:
XX/XX/23 a letter was sent to dispute items from my report to transunion. It has been well over 30 days and they have yet to even acknowledge my dispute request.

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 2023-09-06
Company: PRESTIGE FINANCIAL SERVICES INC
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My car was totaled by an uninsured illegal immigrant who broke my ribs and destroyed the functioning of my back and neck. He hit me at XXXX mph as I pulled into my bosses driveway to go to work. I have a video, police report, all the above. The man then left the country making for an extremely, slow financially and physically debilitating process. I had to use my insurance and pay everything out of pocket, 40 physical therapy sessions, xrays, multiple dr visits, a rental car, and more. So I finally get some relief in my body and am able to move again and go to look at purchasing a car labor day weekend. They run my credit and the salesman comes back to me and says " prestige your finance company has done you very dirty they have your car down as repossessed '' I was like no it was totaled they got a $ XXXX check from my insurance company they cashed they got money back from me cancelling my extended warranty I am just waiting on GAP who has all the info they need they just need to process it. I contacted prestige mon, tues, and wed trying to get some answers. They dont have any for me and my so called file manager will not speak to me either. I ask how can a totaled car be repossessed when youre being payed for it? Something about well we got it back then resold it. Oh so you got more money for it too?? No answere. You still arnt answering my question why does it say repoed on my formal credit and why wont this lady speak to me? Response is I cant speak to a human on the phone I have to send an email. So I did that, which im sure is a run around game. I need it explained to me how this car can be listed as repoed when it was totaled by someone else mind you and has been 3/4 paid off and will eventually be fully paid off. This has cost me almost everything and now its destroying my credit somehow too? Someone please help me fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Transaction date : XXXX XX/XX/2021 XXXX : XXXX XXXX  ( {$5000.00} XXXX XXXX : firstly they said they will not recover my funds and now they dont even reply my inquries I sent my XXXX XXXX worth of {$5000.00} from XXXX XXXX to coinbase exchange but by the system problem in coinbase they provide me XXXX address instead of XXXX address and my XXXX money has been stuck in XXXX exchange which is under coinbase and only coinbase can help me i am trying from more than XXXX weeks first they said they will not recover my funds and not they not even reply my inquiries i am feeling soo XXXX  and cant explain what type of problems i am facing please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have credit score of XXXX and I got the promotional offer from CapitalOne to apply for the credit card. When i am applied, application is rejected. Why they sent me the offer if they are going to reject me. Instead they are willing to offer somewhat less desirable credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Open Dealer Exchange, LLC
State: GA
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 am a victim of identity theft I have about 8 inquiries that I don't recognize on my credit reports. 6 or 7 on XX/XX/XXXX 2 on XX/XX/XXXX and XX/XX/XXXX 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 instruction 15 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a customer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
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: Account status incorrect

Complaint:
Incident happened from first time 26 years ago when Experian credit report agency start reporting false information on my account. Late payments on credit report are illegal. All consumer reports agencies, including Experian, Are in violation of 15 u.s.c section 1692e for false or misleading representation and 15 u.s.c. section 1611 criminal Liability for willfully and knowingly violation on my credit report. 15 U.S. Code 1681a ( 2 ) ( i ). Exclusion : report containing information solely as to transaction or experiences between the " consumer '' and the " person '' making the report. Meaning everytime Experian report a late payment on consumer is a violation of {$1000.00} under 15 u.s.c section 1681n.

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 2019-12-04
Company: EQUIFAX, INC.
State: IL
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 don't recognize this inquiries, i never applied for this companies. I never get any service from this companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 was looking over my credit report and I noticed that a few 30 days late payments weresupposed to be removed ON MY XXXX XXXX XXXX XXXX XXXX the dates were XXXX, XXXX I was an authorized user on that XXXX XXXX account and I have been removed from that account that I am not financially responsible for. The owner of that account has since had the Late Payments removed from her accounts due to the CARES ACT that calls these agreementsaccommodations. She had no income and was unable to make any Payments as an act of a natural disaster ( Pandemic Shutdown ).

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 2022-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
The bank, Capital One, has entered a cancelled deposit as a withdrawal. The amount of the check was then entered as a withdrawal instead of a deposit. The person who I spoke to over the phone was rude, they spoke over me during the conversations with their customer service line. They also lied and said that they were never called at the time of the issues regarding the deposit to the account. The customer service representative and their manager lied a second time and refused to make any attempt to resolve the issue. They continued to allow my bank account to remain in a negative balance exceeding the amount of {$2000.00}. The original deposit was blocked, there was no access to the image of the check or the deposit. The bank has made their own decision to remove the funds from my account although there were never any funds place in the account. The deposit was cancelled by phone with customer service the day it was attempted to be deposited. The man at the bank argued with me about the ownership of my account, and accused me of a crime for the purpose of the account being accessed by other people and made accusations about something irrelevant to a bank deposit. They started asking me about my device, or how do I access my bank account. They then disregarded any of my concerns and did not attempt in any way shape or form to resolve the issue or reverse the errors on the account. There is now a - {$2900.00} balance which has been added and the deposit was never applied to my balance at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: Kashia Services
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I receive the loan from XXXX  XXXX  for XXXX and I have made one payment of XXXX on XX/XX/XXXX. I thought the payment would be once a month not once a week, I called and asked how much of my payment went to the principle of the loan and they informed me only XXXX cents each week goes to the principle. I ask how much to pay off the loan then I was informed that it would XXXX plus on XXXX and only XXXX cents applied toward the principle. I understand these loans are high interest loan but at this rate i can never pay this loan off oh the {$140.00} has a term of 52 weeks I needed the money to pay some utilities and but I never expected to be gauged like this. The customer service people are foreign and hard to understand very evasive in answering certain questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Collection Bureau of Walla Walla
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The Collection Bureau of Walla Walla states that they made there one and only call to me XXXX XXXX on XX/XX/XXXX, that is false I have 3 separate incoming calls from them and each time they called they tried collections on debt that did not match my name or birthdate. Each time they called I asked for proof of debt to be mailed to me, I have yet to recieve any proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$18000.00}, {$18000.00}, {$4000.00}, {$8200.00}, {$1000.00}, {$15000.00}, {$7000.00}, {$5000.00}. 

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a credit limit of {$18000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a credit limit of {$18000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8200.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7000.00} -This is not my account. 

8. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am a XXXX person with a modification in place w where the UPB has been paid in full and with no prepayment penalty and 0 % interest on deferred principal balance. payments of {$1600.00} and {$1500.00} there on. With intent to foreclose, Ocwen chareged a unwanted appraisal fee of {$110.00}, refused payments sent, sent delinquency notices, kept escrow account in red, loan in past due status and charging a 1 % not applicable as principal deferred is 0 % interest. statement dated XX/XX/2018 show last activity from XX/XX/XXXX to XX/XX/18 with a deferred principal balance of {$100000.00}. with XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments of {$1500.00} deferred principal balance should reflect {$94000.00} as correct principal deferred balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I tried to open bank accounts but I was told someone open account in my name and I provided police reports supporting that fact I never did so when I try to open bank accounts they saying I cant I try opening accounts with chase, XXXX  XXXX, XXXX and they told me Im high risk cause of fraud of previous accounts I never opened and gave police reports to prove that it wasnt me and they still declined me from opening an account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
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:
I previously asked for an investigation as this company is not providing information that is accurate. This company is reporting that this account is paid in full a payment and I'm asking if this is true can they provide proof of paid in full. This company can not provide me with proof because this account is in litigation with a balance and this company is providing information that's not factual data on my credit file.

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 2019-12-05
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$18000.00}, {$18000.00}, {$4000.00}, {$8200.00}, {$1000.00}, {$15000.00}, {$7000.00}, {$5000.00}. 

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a credit limit of {$18000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$18000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8200.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7000.00} -This is not my account. 

8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account.

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 2021-02-19
Company: Credit Karma, LLC
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 my taxes was split between my two companies I work with credit karma and XXXX XXXX with XXXX XXXX everything went fine with credit karma who i have worked with over 3 years put a temporary hold on my account holding up XXXX when call they say nothing is wrong can use card so went to try use got denied called again again told was fine but would escalate to proper dept. went to XXXX used atm it confirmed XXXX in account but was again denied a XXXX withdraw this company keeps giving me the run around and there are many having the same issue please help get them to release are money i even asked if could be sent to another account they said only i can do that know it wont let me in account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: Experian Information Solutions 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:
have submitted multiple requests to have inaccurate data removed from my credit report. I feel as if Experian is blatantly ignoring my request and doing a false investigation. I have submitted multiple written request and several request with cfpb and nothing is being done by Experian. According to the FCRA section 611 paragraph 7 I have the right to demand a description of the investigation and Experian has refused me that right. I made a call to Experian XX/XX/XXXX and was denied my right by a rep name XXXX. Furthermore there is a bankruptcy that is reporting on my credit file that does not belong to me. I have disputed this several times and it is constantly coming back as accurate and there is no way this bankruptcy belongs to me. I have written the court and asked that they explain to me why this bankruptcy was showing on my report and I never filed bankruptcy and the US Bankruptcy court advised me that they do NOT share information with the creditors. In XXXX a law was passed stating that medical bills and bankruptcys can not show on someone's credit report if the report does not have a special feature that proves its you. ( Such as date of birth last 4 of ss # ect ) I am sick and tired of this inaccurate information being reported about me that is not TRUE. I am asking that CFPB steps in and ensure that the credit bureaus does what is right under the law.

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 2023-09-27
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Electronic communications
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Jefferson Capital Systems , LLC constantly contacts me, and I haven't used a XXXX wireless service for over 7 years. And on my credit report, due to them, it shows 2021 I wasn't using XXXX, I was using XXXX, like I had been for 5 years. Now they keep sending emails saying I need to pay, when I told them I haven't used them for a long while, nor can I even pay them due to me being XXXX.

Company response to consumer: Closed with explanation