BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
My XXXX have prevented me from working outside the home for most of my life as my XXXX XXXX has worsened with age. I applied for discharge of my student loans because with an income of {$1100.00} per month I knew I could never repay them. XXXX sent me a letter stating that my student loans had been discharged as of XX/XX/2019. Then on XX/XX/2019 XXXX put these loans on my credit report showing as open and owed which dropped my FICO score by over 200 points. They insisted that I owed {$7400.00} ( almost all of which is interest ). I believe this is known as credit reporting fraud. My husband and I had a recent legal settlement and as part of receiving the settlement we agreed to move out of our home by XX/XX/2019 but the despicable actions by XXXX have prevented us from being able to obtain new housing. I have spoken to XXXX representatives on several occasions but they have refused to remove the misinformation they placed on my credit report. These means that my XXXX husband and I may soon be homeless and literally living on the street. 
It is clear that greedy XXXX is doing this in order to try to trick XXXX Americans ( among the poorest people in our country ) into paying them money these poor souls don't even owe. These loans weren't on my credit report at all until XXXX put them there through their illegal and malicious actions. No company this dishonest and lacking in ethics should ever be allowed to receive taxpayer dollars. Their corruption is an affront to America.

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 2020-05-08
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I have a Bankruptcy that is showing on my credit report and I have tried to have the information removed and nobody has responded to my 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 explanation
Consumer complaint received 2018-01-20
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called the credit card company and made an offer to settle my account for less than the amount owed due to my circumstance ( recently widowed with overwhelming debt ) I made the offer of XXXX and was told they would accept XXXX which I immediately paid via the telephone. Today I received a bill for the outstanding balance! When I called I was told that the bank did not approve the settlement. When I said I gave the payment and it showed on my account I was told that it was from an agency. I had no idea I was not dealing with the bank since how did this agency have all my information on this debt. I asked for the money to be refunded so I could start the correct settlement on my account and they refused. Now they have my money and I am still in debt and they told me to negotiate. With what? They already have my money.

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 2018-08-15
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The reason for this complaint is they claiming that I am 2 months delinquent, when I have XXXX submit a check from my account every month. Every month my payment is always sent from my credit union. My credit union does not lie. PM does.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Recieved an email from a law firm called XXXX XXXX XXXX demanding XXXX in fees or to settle for a little over 800.00 by this Friday and stating they are going to contact FBI, etc. That I know I didnt borrow those enormous amounts. Feel harassment. Leave me alone. Stating accounts going to be levied?????? I dont have a job.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a payment using the capital one credit card app and didnt realize i didnt have the correct amount of funds in my bank account. It was then subsequently late. When making the late payment that was due, i encontered an error measage in my app when i set up my payment and went to slide to pay. I didnt get a confirmation of payment so i went ahead and restarted the process and it went threw. When i woke up the next day to check my account i noticed that both payments went threw and bounced because i only had the money for one payment. They closed my account and made put a serious dent on my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: CURO Intermediate Holdings
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX and email was sent to my junk folder on XXXX I noticed the email while looking for another correspondence. It stated that a warrant would be issued for my arrest due to the debt owed. My social security number was listing as well as other information. I called the original loan office ( Speedy Cash ) on their fraud line because I believed this debt to already have been paid when I traded in my vehicle. They confirmed this debt was already paid and the email was fraudulent. They told me to report it through your website as well as pay attention to my credit report and bank statements from here forward since the sender had so much of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
TD Bank goes out of their way to find creative ways to charge customers overdraft fees. I was at dinner on a Saturday and checked my app before paying a bill. The app showed a balance that was enough to cover the bill and I left a cash tip. I then made cash deposits to my account on the next day Sunday as my balance was running low. I wound up getting charged an overdraft fee days later because TD said that my balance after the dinner was negative ( again app doesn't show that ) because they went back and posted a gas charge that originally came through as {$1.00} and was finally submitted by the merchant as {$45.00}. I had the cash in the account well before the {$45.00} posted. I find this practice misleading as the available balance never went negative and yet I am charged on a back dated transaction even though the merchant didn't charge my card the {$45.00} until several days later. The dinner charge was on Saturday XX/XX/19 and posted on XX/XX/19. I have worked with other banks before and I know they do not charge an overdraft fee in this case. However, TD seems to do whatever they can to charge you. I tried escalating within TD and all I had were reps telling me that I didn't have enough available to cover the dinner essentially telling me I am lying or blind as I know what I saw. I told them I know what they are doing with the backdating of transactions which is misleading and deceptive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-13
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I purchased a new car through XXXX XXXX in XXXX, NY. My loan was through Nissan Motor Acceptance Corporation. It was a disaster from the beginning. I went to make my first payment, and they had absolute no record of me, my car, or my account. So days were passing and I was so nervous I would be late for my first payment. I called at least ten times to the dealership to find out what was going on. Nobody k ew a y thing, and they explained the man who sold me the car wouldn't be back for three weeks. I had no choice but to wait, because I had no account with NMAC. So finally XXXX gets back, get talks with the manager, and they discovered the finance manager never submitted my paperwork. Now it's two months in at this point. So I was furious! They were extremely apologetic and said this is a one in a million chance of this happening. Now mind you, if k hadn't said anything, I could have had a free car! But I do the right thing. So that was straightened out and my account was created. I advised them that they better not charge me late fee. So fast forward to a month later I was on my lunch break at work. I ran to the gym, O my way back I got pulled over for not signaling. It was brought to my attention that my license was suspended from a ticket years ago. Now mind you, if I was suspended how did I get Insurance at the dealership through XXXX in my name?!?! So the police said they had to impound the car. They gave me a card with a handwritten shop that my car was being towed to. No such shop exists! For two weeks, at {$150.00} a day, I spent trying to find my car. Finally I called the dealer, explained what happened. They told me they would just buy the car back, and I would owe them {$1000.00} and they would resell it. They said it would not go on my credit, because of all the confusion I had with them, they would do the is for me. I was grateful and went on with my life. Well here we are, with this one my credit as a charge off! I called NMAC and they said they never picked the car up, in fact it was sold at an auction for {$9000.00} and I was responsible for XXXX XXXX.i explained the deal we had, and she said to call them. Well I've been calling for weeks, no returned calls, nothing!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$7300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$150.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/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 2023-02-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
acct number XXXX The XXXX XXXX XXXX I have no clue what this is from. I never was with the XXXX XXXX XXXX 
XXXX is the amount that is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Hello I bought and sent XXXX USDC using the Coinbase app and they marked the withdrawal as complete although the withdrawal was never completed and I never recieved the money and Coinbase refused to help and kept closing my support tickets. I also contacted the reciever, XXXX XXXX, who also refused to help and claimed to never obtain my funds. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-10
Company: ALLY FINANCIAL INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have an auto loan with Ally Financial! It is very unfortunate and terrible that this company is not supporting its customers during a pandemic. My child tested positive for XXXX and was on an unpaid leave from work to take care of him. This of course caused me to become delinquent on many of my bills. I reached out to Ally and explained my situation. I was provided NO solutions or assistance. I was denied a deferment and was told there were no options for payment arrangements. The representatives that I spoke to were not empathetic and offered no help! Also, they continue to harass me by calling multiple times a day.

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 2019-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 contacted Trans Union by mail disputing numerous credit inquiries on my credit report that I did not authorize I then received a letter back saying that my written authorization and may not be required to constitute permissible purpose. I do not know why these credit inquiries appear on my credit report but I do know that I did not apply or give any company the permission to inquire my credit reports. This is a violation of the fair credit reporting act section 1681B ( c ).

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 2018-01-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I signed up for a free trial for XXXX XXXX XXXX, there is no way to cancel in a self-service capacity hence forcing you to call XXXX, which is a totally unacceptable practice with the online tools that are present. I called to cancel within my time period and they were closed, even though I called within the posted days and times. ( our call center is open Monday-Friday from XXXX XXXX. to XXXX XXXX., Saturday-Sunday XXXX XXXX to XXXX XXXX Pacific Time ) I called back after the next  business day and was told there was a 1hr wait time, I had to hang up around 45 mins because work called and had to take the call, I tried calling back again and it said my wait was 2hrs! So I tried subsequent days to reach someone to no avail. I received a charge for XXXX, I have since disputed it with my bank because I have had no means to reach anyone in a reasonable amount of time nor can I cancel easily.

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
Consumer complaint received 2021-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX CAPITAL ONE BANK USA NA XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX RE : Account # XXXX Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell.

I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. TIA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20
Company: COAST PROFESSIONAL INC
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Coast Professional , Inc. is claiming that I owe XXXX XXXX XXXX XXXX College {$10000.00}. 

They have called my work multiple times which is not appropriate. I asked them to validate the debt. All account receivable forms that Coast Professional , Inc. show a balance of {$0.00}. 

Additionally, my student loan balances are owed to XXXX for my attendance of XXXX XXXX XXXX XXXX. 

They have called my personal line multiple times as well as continuously send me mail correspondence.

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 2022-08-10
Company: EQUIFAX, INC.
State: NJ
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX  XXXX, NJ XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$7300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$150.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: EQUIFAX, 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 credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: EQUIFAX, INC.
State: PA
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 writing to complain about Equifax because I have written to them twice since XX/XX/XXXX stating that the information in my credit report showed credit inquiries that I do not recall authorizing. I understand that they should not be allowed to put an inquiry on my file unless I have authorized it. I have since asked to please have these inquiries removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The stated inquiries :  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, Multiple Inquiries from XXXX XXXX, only one was authorized XX/XX/XXXX, and none in XXXX. These inquiries in my credit report are also not applicable nor permissible, and should be deleted.

Company response to consumer: Closed with explanation