BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
State: WA
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 checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX ( Loan XXXX ) appears on my XXXX, Experian, and XXXX credit reports. I have received no notices from XXXX XXXX XXXX with regards to this fraudulent, inaccurate, and invalidated information on my 3 credit reports. 

XXXX XXXX XXXX has not validated this debt as per 21 CFR Part 1006.34. 

This matter will be brought to court with all parties involved ( XXXX XXXX XXXX, XXXX, Experian, & XXXX ). This matter is adversely affecting me especially financially including negative decline of my credit score which has plummeted from a XXXX to now a XXXX. 

Remove XXXX XXXX XXXX from my XXXX, Experian, and XXXX credit reports. 

My research on XXXX XXXX XXXX shows that they are above the law and they foreclose on people 's home while under bankruptcy protection, they disregard all court rulings, etc. 

Is XXXX XXXX XXXX the sister firm for 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 2022-01-06
Company: Sensible Auto Lending, LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX I made an online payment of {$130.00} for my car loan it was meant as an extra payment as my payment is not due till XX/XX/XXXX in the amount of {$63.00} and is set on automatic payments. When the payment was made it changed my next payment being due on XX/XX/XXXX in the amount of {$63.00}, when I called to make an additional principle payment to my loan since the payment I made on the 5th did not go to principle and you can only call to make principle payments, I was told I have a balance of {$52.00} that would need to be payed before I could make any principle payments. They state their system will not allow for a principle payment due to the balance of {$52.00} showing on the account. My account isn't past due and I don't have a payment due till XX/XX/XXXX, so I do not understand why I'm unable to make a principle payment. I feel that are trying to get all the interest on the loan as they can and make it very difficult or nearly impossible to make a principle payment on my loan which is not fair practice to follow. I have never missed a payment and I'm just trying to pay my loan off early and save money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I would like to permanently delete the negatives items on my report that are paid. Details and proof is in the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: Coinbase, Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Coinbase has locked me out for several days from their platform and does not allow to withdrawal my investment. Contact them after the requested a document for proof of address and ID verification and still no resolution after 5 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: CREDICO. INC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
First and foremost, the gentlemen that I spoke to was kind, courteous and professional. My compliant lies with what may be a poorly created policy or maybe the agents were trained to deliver the policy. When I spoke to the agent, I asked what could be done on mine and my husbands accounts regarding payment. I was provided a three month payment plan for both accounts. I stated I was unable to make those payments, but could pay {$100.00} a month on both accounts and pay off in five months or less. I was advised that the system is only set up for three, six, nine, or twelve month payments so that the balance would pay off in full accurately. I was then asked to complete an application to see if I was eligible for one of these payment options. I agreed. When it was time for payment, I was asked if I had my checking account information, I did not, I had my debt card. I was then told since I was paying with my debit/credit card, I could pay however much I wanted today, but would not be able to set up automatic payments. That automatic payments are only possible with checking accounts. I was able to pay {$100.00} on my husbands account, but due to system processing, I was unable to make a {$100.00} payment on my account at that time. 
This was deceptive. I was lead to believe that I HAD to complete an application to see what other payment arrangements were available. I was lead to believe that these would be the only options. The truth was, I was able to pay {$100.00} a month, but I would have to call in each time to make the payment because the systems are not set up to process debit/credit cards. I provided information that was not necessary to process payment/s that I had already stated I could make.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I received a XXXX message that the buyer ( scammer ) would buy my wedding dress on XXXX XXXX. She said she already sent me {$450.00} ( item amount ) to paypal on holding. On that night, I got message that I need to upgrade to business account and called me to asked buyer to send {$500.00} and refund her through XXXX pay. The next morning XX/XX/XXXX, she said that she accidentally sent twice, so {$1000.00}. So I need to refund total {$1000.00} to her and she already sent total {$1400.00} in paypal account. Afterward, I found that the Paypal confirmation email is fake and her shipping address is fake. She didn't give the transaction ID on paypal to track and the Real Paypal said I didn't have the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I, XXXX XXXX, am requesting for CHIME BANK ( The XXXX XXXX ), to Refund my Dispute against XXXX XXXX the Amount of {$190.00}. Date of Transaction : XX/XX/XXXX. XXXX XXXX canceled the Flight from XXXX Texas to XXXX Florida for ALL Passengers and they are saying the member did the cancelation when I have not done so. Now money is sitting in my XXXX XXXX Account as a Credit to be used no later than XX/XX/XXXX. XXXX XXXX has mentioned multiple times that they will go ahead and refund the full amount of {$190.00} back in to the account that was used to make the purchase. ( Chime Bank Debit Card ) and to please allow up to 7 business days to the refund to be into the account. Since XX/XX/XXXX there has been no refund of the amount of {$190.00} into my Chime Bank account. I have called and emailed Chime Bank as well and also have gotten no where. Now I am tired of disputing this with both the XXXX and the Bank and I am going to you and to the XXXX : XXXX XXXX XXXX and file a complaint against XXXX XXXX. I am now requesting for the FULL REFUND Amount : {$190.00} and plus Interest for this Delay and waiting and Financial Hardship and Due to this COVID19 which is what XXXX XXXX as well mentioned but still neither party has resolved this issue. PLEASE ASSIST!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
ON XX/XX/XXXX I WROTE A LETTER TO PROGRESSIVE CAINE & WEINER, XXXX, XXXX AND XXXX. THAT WHEN I HAD PROGRESSIVE WE HAD JUST ENTERED A WORLD WIDE PANDEMIC AND I NEEDED TIME TO PAY. UNFORTUNELTY I HAD LOST MY JOB AND WAS GOING THROUGH HARDSHIPS IN MY FINANCES. THEY HAVE NOT RESPONDED TO ME IN ANY WAY. 

ACCNT # : XXXX DATE OF INQUIRY : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Experian Information Solutions Inc.
State: OH
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 XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Nelnet, Inc.
State: VA
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:
Department of Education/Nelnet is reporting 20 different accounts each with XXXX, XXXX & XXXX, with a late payment in XX/XX/2019. All of these accounts were in forbearance until XXXX of XXXX and then consolidated in XX/XX/2019 and paid in full. They were never late, and then paid in full and should show no derogatory indicators. Between the 3 bureaus, they are reporting 60 derogatory indicators. I have disputed with all 3 bureaus. XXXX marked them as included in my ch XXXX bankruptcy that was done in XX/XX/2019 AFTER this loan was paid in Full ( WRONG ). XXXX & XXXX   marked that they were confirmed as reporting correctly & changed nothing ( WRONG ). I have attached documentation from the department of education showing these loans were in forbearance while I was in ch XXXX bankruptcy from XXXX & then were placed in a forbearance & did not enter repayment until XX/XX/2019. They were paid in full through consolidation on XX/XX/2019. This issue is shredding my credit & I need it corrected immediately. The servicer ( Nelnet ) needs to check with the department of education and correct the dates in their records because they are wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: EQUIFAX, INC.
State: NM
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 am having repeated problems with XXXX primarily. They have changed the account infomarion of my XXXX XXXX XXXX XXXX now, FOR THE XXXX TIME! I've had enough of them. XXXX and now, EQUIFAX, had re-imputed the balance owed as {$490.00}, AGAIN! I just left my XXXX XXXX XXXX XXXX and the representative just re-verified to me that I PAID OFF THIS back balance of {$490.00}! This is the XXXX time that XXXX has done this to me and i'm very upset about these bureaus repeatedly breaking the FCRA laws. Please help me correct this issue with EQUIFAX as well. I OWE NO BALANCE TO XXXX FEDERAL CREDIT UNION AND THEY CAN VERIFY THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I am a XXXX veteran, and whenever I was overseas in XXXX, this company hounded me to pay on my autoloan. They kept making threats while I was overseas for an old autoloan i no longer have with them. Now, for some reason, I have a new autoloan with them. But this time, i am not overseas. But now my complaint is their high interest rates on their autoloan that i have with them. I really hate the fact that they hounded me overseas while I was fighting for my country. With the current autoloan interest rate, there is no way for me to keep paying this high car payment every month. Could you get them to lower the interest rate? If not, I will move forward and try to find someone else and let them repossess the vehicle and sue them for hounding and harassing me while I was overseas in 2009.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
To whom it may concern I've been a wells Fargo customer for over 7 years I filled a dispute on my account in regards to XXXX not giving me access to my account I've tried multiple times to contact XXXX after XXXX who stated that my account was locked and that funds can only be used on there platform and could not be withdrawn by any means which I have proof of screenshots that I provided to Wells Fargo as requested by numerous Wells Fargo representative who ask me to send proof of transactions so they may dispute transactions as listed {$2500.00}, {$4600.00}, {$6000.00}, {$8100.00} ive spoken to many wells Fargo representatives a few who agreed to come to resolution because i provided everything as requested. My Biggest Red Flag with Wells Fargo was when I recently spoke with a representative by the name of XXXX who was great as XXXX was reading over the notes which was left by the other Wells Fargo representatives XXXX stated that XXXX stated that she spoke with me over the phone and due to that interaction the claim was decline, As I spoke with XXXX I immediately corrected the false information XXXX made false accusations on my behalf stating that she spoke with me which was false when XXXX Confronted the other Wells Fargo Representative she immediately corrected her wrong doing which she did not truly speak to me over the phone, I Am truly hurt by this because here you have my over {$21000.00} on the line which Wells Fargo promises to conduct a proper investigation with integrity I believe Wells Fargo is not assisting as promised I find it extremely upsetting that a representative by the name Of XXXX who i never spoke with would Lie and stat that we had conversation This is a Lot of money to lose for a Professional to lie just to not dispute a case Please help because that's illegal everything is recorded as when I spoke to XXXX wells Fargo representative

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 2021-02-26
Company: EQUIFAX, INC.
State: HI
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 have no letter proving that my deferral for student loans got discontinued. Now, the federal loan has created a few late payments on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: R.M. Galicia, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In checking my credit history, the company Progressive Management Systems ( Debt Collector ) is continuously falsely reporting a collections account against my name. I contacted the debt collection agency and spoke with three different representatives ( XXXX, XXXX, and Unknown ). The XXXX representative said I owed a debt to XXXX 's XXXX XXXX XXXX in XXXX XXXX, California and the date of service was on XX/XX/2014. In my credit history the collection amount is {$420.00}. I called XXXX 's XXXX 's XXXX to confirm the date of service, and asked how much the debt owed was and who was the guarantor for the bill. The bill reported by the representative from the billing department at XXXX 's XXXX 's XXXX said the guarantor for the bill was for someone else and I was not listed as the guarantor for this bill, which also they stated the original bill amount was for {$310.00}. The XXXX XXXX XXXX is falsely reporting this on my credit history when I was never the guarantor for this bill and refuses to stop reporting this against me, as they are unable to collect the debt from the official guarantor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-05
Company: EQUIFAX, INC.
State: MN
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 just complained about XXXX and they gave me 54 points back on XX/XX/XXXX. As of today XX/XX/XXXX its -47 points again. I dont understand why and how they can take so many points away when all been doing is complaining about my old student loans. This is so unfair to be treated this way. This is so cruel and evil of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-02
Company: All American Check Cashing, Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Continued harassing calls threatening t call the police and file charges for a XXXX XXXX XXXX pay day loan debt. Caller is rude, yells and uses profanity

Company response to consumer: Untimely response
Consumer complaint received 2021-01-27
Company: PNC Bank N.A.
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: Their investigation did not fix an error on your report

Complaint:
PNC Bank is continuing to to show that I was late back in XXXX of 2018 when in fact, I was not. I submitted the payment before the account would be considered 30 days past due. However because of the payment cycles, PNC applied the payment to the following month, instead of making the payment to current month that I originally made the payment. I have called this institution several times, and all they could do is send me statements. Even though PNC is the CREDITOR they cannon change the information that the CREDITOR provided. Even when I disputed with the credit bureaus, XXXX, XXXX and XXXX  kept saying that the information was verified. So if the information was verified, and in fact not 30 days past due, then why is it still showing up on my credit report? This is my frustration. It's like as if PNC does not care that they made a mistake and are not willing to work with me, even though they recognize that it is a mistake on their end.

Company response to consumer: Closed with explanation