BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-24
Company: Experian Information Solutions Inc.
State: AZ
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. XXXX and Experian permanently blocked the following fraudulent accounts from my credit report between XX/XX/XXXX- XX/XX/XXXX, but the fraudulent accounts has reappeared on my credit report : XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX and XXXX/XXXX XXXX XXXX. The fraudulent and unauthorized accounts dont belong to me. I been receiving harassing and threatening phone calls at home and at my job from debt collectors from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, {$7000.00} and XXXX/XXXX XXXX XXXX {$420.00} for over 2 years. The debt collectors continue to call me before XXXX XXXX and after XXXX XXXX  The debt collectors/representatives from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX/XXXX XXXX XXXX, has used profanity, obscene and vulgar language, made death threats, threaten me with legal action and being arrested. I have sent numerous letters in writing for over 2 years via USPS by certified mail, requesting for XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX/XXXX XXXX XXXX to cease and desist all communication and correspondence with me, but the creditors continue to contact me, even with my name and phone number listed on the Federal/National Do Not Call List. Egregious conduct has been committed by the above debt collectors, and is a clear violation of The Fair Debt Collections Practices Act ( FDCPA ) U.S.C. 1692 under Federal law. I will be taking legal action against the above debt collectors for violating The Fair Debt Collections Practices Act ( FDCPA ) under Federal 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 non-monetary relief
Consumer complaint received 2019-09-10
Company: Experian Information Solutions Inc.
State: UT
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: Was not notified of investigation status or results

Complaint:
XXXX XXXX XXXX # XXXX is reporting a new collection on my credit report, however I never got any notice for this collection nor did I get my 30 day right to dispute letter. I had no idea this collection existed until it showed up on my credit report. They also have my information incorrect and I am settling it.

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 2018-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
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:
Due to a change in employment and a move, I had to short sell my house. Bank of America was my mortgage servicer. My account was closed on XX/XX/XXXX. 

In XX/XX/XXXX I received a credit report alert on a past due account. The alert showed that I was past due on my mortgage payment by more than 30 days. This situation caused my credit score to drop by more than 100 points. My credit score is usually in the high XXXX. 

I contacted Bank of America and was told that because my account was closed, they couldn't fix any errors on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-26
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Hello team, I was using the Coinbase to trade the virtual currencies. On XX/XX/XXXX, they have locked my account, asking me to submit my ID again ( which I did already in the past and I was allowed to trade ). After trying to submit the ID more than 50 times, the Coinbase is stating they can not verify it. 
I have decided to close the account and take my money back to my bank account, as I lost my trust in Coinbase. In order to withdraw the money, Coinbase asked me to send the money on their account.

After doing so, I received that Coinbase is not able to process my deposit as my ID is not validated : " We appreciate your interest in Coinbase! However, we're unable to process your recent deposit for XXXX EUR sent on XXXX because : Your account and ID will need to be verified before it is active '' Now this is chicken and egg issue and I am tired of trying to get my funds back. 
I have raised multiple tickets with Coinbase / tried calling them, but have not received any respond back. 
Please help me to see how can I retrieve my personal funds from Coinbase back to my bank account. 
Tickets Opened : Case ID : XXXX Updated : XX/XX/XXXX XXXX PST Created : XX/XX/XXXX XXXX PST Case ID : XXXX Updated : XX/XX/XXXX XXXX PST Created : XX/XX/XXXX XXXX PST Case ID : XXXX Updated : XX/XX/XXXX XXXX PST Created : XX/XX/XXXX XXXX PST Case ID : XXXX Updated : XX/XX/XXXX XXXX PST Created : XX/XX/XXXX XXXX PST XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I discovered after a conversation with my ex-husband XXXX XXXX   that the credit agencies deleted a past mortgage. I did not authorize this. At the time I had hired XXXX XXXX to do credit repair in XX/XX/XXXX. It was on there prior to hiring them. They, however, deny removing it. I wrote to all three agencies and they will not address the issue.

I have provided plenty of evidence showing when account opened, closed, high balance and correct payoff.

I am XXXX yo grandmother and it shows I only have had credit for four years!

It is damaging my score due to lack of credit information. XXXX XXXX no longer exists so there is no way for me to contact them directly.

Need this to report on my credit file. They report bad but don't want to report good when its old.

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 2019-07-02
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I HAVE BEEN MISS LED " BY NELNET WHO IS MANAGING ALL MY STUDENT LOANS, AND THE US DEPARTMENT OF EDUCATION ' ALL MY STUDENT LOANS ARE REPORTING ' DUPLICATE LOANS EVERY TIME I CALL NELNET AND THE DEPARTMENT OF EDUCATION, THEY HAVE LOANS THAT ARE NOT REPORTING ACCURATELY. THIS PRACTICE HAS RUIN MY CREDIT MY LIVELY HOOD AND ANY CHANCE FOR A JOB IN THE FIELDS THAT I WENT TO SCHOOL TO OBTAIN A PROFESSIONAL JOB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
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: Account status incorrect

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2018-01-26
Company: EQUIFAX, INC.
State: MD
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 have been dealing with XXXX and XXXX since XX/XX/2017 in regards to removing unverified information on my credit report. 
As you can see with the XXXX letter attached they have removed the bankruptcy off of the report because it is not verifiable. With that said XXXX and XXXX needs to remove this Bankruptcy ASAP due to the fact I been dealing with this since XX/XX/2017 with numerous dispute letters and also prior disputes with CFPB. 
See below : Well I took it upon myself to write to the XXXX   and XXXX Bankruptcy court on XX/XX/17 asking if XXXX  and all other Credit Bureau 's have notified them to verify my information that is on my credit report. On XX/XX/17 I received a letter back from the XXXX Bankruptcy court stating that they DO NOT verify information. I sent this letter to XXXX and to the additional credit bureau 's asking them to remove the information off of my credit report. XXXX sends me a letter stating that the information has been verified but the Bankruptcy states that they DO NOT verify information. XXXX never verified the information and they do not want to do there job as to removing inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 have been dealing with XXXX and TransUnion since XX/XX/XXXX in  regards to removing unverified information on my credit report. 
As you can see with the XXXX letter attached they have removed the bankruptcy off of the report because it is not verifiable. With that said TransUnion and XXXX needs to remove this Bankruptcy ASAP due to the fact I been dealing with this since XX/XX/XXXX with numerous dispute letters and also prior disputes with CFPB. 
See below : Well I took it upon myself to write to the Pennsylvania and Maryland Bankruptcy court on XX/XX/XXXX asking ifXX/XX/XXXX and all other Credit Bureau 's have notified them to verify my information that is on my credit report. On XX/XX/XXXX I received a letter back from the PA Bankruptcy court stating that they DO NOT verify information. I sent this letter to XXXX  and to the additional credit bureau 's asking them to  remove the information off of my credit report. XXXX sends me a letter stating that the information has been verified but the Bankruptcy states that they DO NOT verify information. XXXX never verified the information and they do not want to do there job as to removing inaccurate information.

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 2019-07-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
sent equifax the ftc complaint XXXX XXXX still showing on my credit file XXXX and XXXX have remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: FC HoldCo LLC
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 spoke with a repersentive at XXXX to report a numerous amount of hard inquires that Im unaware of. They refuse to remove the inquires and directed me to the creditors in which theyve also denied my request to remove them. It was bacially like a back and forth situation.

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 2019-02-17
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
After having paid off loan 1-02 Direct Loan - Unsubsidized on XXXX for {$1600.00}, I called customer service to have my autopay loan 1-07 DL Consolidated - Unsubsidized payment adjusted to match what it had been in prior months. Every month that I finish paying off one of my loans, Navient will change the amount of the autopay being paid to the higher interest loans and always in their favor. For example, instead of adjusting the payment schedule on the lower interest loans, they always short the highest interest loans. 

When they finally adjusted the payment allocation correctly to loan 1-07 DL Consolidated - Unsubsidized in XXXX, they opened one of my paid off loans ( 1-02 Direct Loan - Unsubsidized ) and added a principal balance of {$110.00}. How is it possible that after I have paid off a loan in totality can they reopen the loan to add back principal when I have other loans that are still outstanding that they can adjust? 

This is a monthly occurrence with Navient and they have abused their role as a student loan service provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from Credit Collection Services dated XX/XX/2021 stating that I owed {$25.00} to XXXX. Since it was {$25.00}, and I didnt feel like worrying about it, I went to their online portal to pay. However, the amount in the portal was {$240.00}. 

I sent a validation letter request on XX/XX/2021 asking them to validate the full amount of the debt, asking for proof. I received another letter from CCS dated XX/XX/2021 stating that they were including a copy of the documents I requested. However, they only provided a copy of an XXXX bill for {$25.00} ( the original amount ). 

I called them later that week and explained to them that they only sent proof for {$25.00} - that I was again requesting them to validate the rest of the {$240.00}. The lady who helped me said that they were going to send the validation for the rest of the amount. So we waited. 

I then get another letter from them dated XX/XX/2021 stating that they were enclosing the documents I requested for the amount of {$240.00}. However, yet again, they sent only a copy of the bill from XXXX for {$25.00} and nothing else to validate the rest of the {$240.00}. 

I called them yet again to ask about this, and the man who picked up would ignore my request to send a validation of a debt and kept insisting that I owed the {$240.00}. He was very short and impatient with me when I tried to explain the situation and didnt want to address my request for proof of the rest of the amount they were trying to collect. 

Please help, Ive typed up another validation/verification letter, but I know they are legally obligated to provide validation of the whole debt the first time I request them to.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
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: Old information reappears or never goes away

Complaint:
Last year in 2017 I disputed with XXXX and Experian regarding a account XXXX XXXX after I sent a written Dispute and it was later removed from my credit report.This morning I get a alert from XXXX  XXXX that the account reappears on my credit report after it was deleted.This false information has affected my ability to obtain credit

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 2019-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I logged onto the Capital One mobile app on XX/XX/XXXX to transfer money from my external checking account to my Capital One money market account, as I do each time I get paid. I authorized one transaction of {$1000.00} and immediately received a confirmation email ( confirm # 134 ). The next day, I noticed 2 pending withdrawals on my external account and it also showed this way on Capital One 's app as well. Again, I only completed one transfer and received one confirmation email. I called Capital One  the morning of XX/XX/19 and explained what happened. They initiated a transfer to put back the unauthorized payment. I asked for an explanation of why this happened ... was it a system glitch, did someone access my account, etc. The rep could not provide me an answer. I asked that it be escalated and I be called back with an explanation. He would not do so for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Will only give a settlement for three months to pay off, asking for more time to pay and still charging late fees

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 2019-07-02
Company: Paypal Holdings, Inc
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I used paypal normally to sell my personal item on XXXX and have a good feed back and receive and send funds to family/friend and suddenly today this XXXX i received an email from paypal say i can no longer used my paypal account anymore and they decided to permanently limit my account as they found potential risk associated with it. and paypal told me if i have money in my paypal balance they will hold the money for up to 180 days which i had {$900.00} in there and that's all my money in it i can not wait for 180 days that long to get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: Experian Information Solutions Inc.
State: AL
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:
Contacted XXXX XX/XX/XXXX about unauthorized inquiries they responded 2 days later as verified. There is no way I never had any deals with any company listed 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 2018-01-26
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
I paid a full payment to my Walmart Credit Card and my credit score did not increase because it still showed the full balance remaining on my credit score. I feel this is fraudulent and needs to be reported so it dont happen 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 2018-01-26
Company: Experian Information Solutions Inc.
State: MD
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 have been dealing with Experian and XXXX  sinceXX/XX/XXXX in regards to removing unverified information on my credit report. 
As you can see with the XXXX letter attached they have removed the bankruptcy off of the report because it is not verifiable. With that said XXXX  and Experian needs to remove this Bankruptcy ASAP due to the fact I been dealing with this since XX/XX/XXXX with numerous dispute letters and also prior disputes with CFPB. 
See below : Well I took it upon myself to write to the Pennsylvania and Maryland Bankruptcy court on XX/XX/XXXXasking if Experian and all other Credit Bureau 's have notified them to verify my information that is on my credit report. On XX/XX/XXXX I received a letter back from the PA Bankruptcy court stating that they DO NOT verify information. I sent this letter to Experian and to the additional credit bureau 's asking them to remove the information off of my credit report. Experian sends me a letter stating that the information has been verified but the Bankruptcy states that they DO NOT verify information. EXPERIAN never verified the information and they do not want to do there job as to removing inaccurate information.

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 2021-03-05
Company: EQUIFAX, INC.
State: OK
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 see on my credit report these accounts are unverifiable invalidated in accurate and questionable if everything is not reporting 100 % accurate it must be removed. According to law unverifiable in accurate accounts must be removed and if youre on able to provide me a copy of the verifiable proof within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Franklin Collection Service, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I recently had a debt with Franklin Financial. I was arranging to pay the debt and have it deleted from my credit. The representative was very rude and begin to belittle me. I am a veteran of the XXXX XXXX XXXX and this is hindering my home purchasing process. The debt has been paid in full.

Company response to consumer: Closed with explanation