BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I requested the method of there investigation Pursuant to 15 USC 1681a.

The letter i received back stated it was verified. Again, by who? what is there name and number? The law is very clear on what can go on my consumer credit report.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

Credit card ( social security card ) The Social Security Administration own the Social Security Card and debt is the obligation of the United States. See 28 U.S.C 3002 ( 3 ) Debt means ( A ) an amount that is owing to the United States on account of a direct loan, or loan insured or guaranteed, by the United States ;

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 2020-02-06
Company: ALLY FINANCIAL INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/2018 I went to several car dealerships to request for a car loan for used cars. It seems that Ally Financial ran my credit report and due to poor credit i was denied for my car loan and it seemed that it affected my credit report on XXXX  and I want to have that resolved immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have now sent 2 certified letters to Experian regarding my XXXX XXXX XXXX XXXX Account Number : XXXX. This account is showing on my credit report as being behind or late. When I first notified Experian about this account ; I asked them to do an investigation because I knew that this wasn't correct. As a consumer I have the right to have a credit report. Experian responded that the account was verified and all information was accurate. This is incorrect. I reached out to XXXX, who I do business with often, and got a payment history which I will be attaching to this complaint. The history shows that i made all of my payments on time! I was never late. However my Credit report says otherwise. Creditworthiness is important because it allows some employers, creditors, and living quarters see how we pay. This is why I don't want anything on my report that is inaccurate! I paid this account off 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 explanation
Consumer complaint received 2019-06-29
Company: CURO Intermediate Holdings
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had a loan with speedy cash about 21/2 months ago I called in to pay it off and the representative done something to were it locked my debit card from being used to pay the loan off I was then told to mail a money order to the office in Kansas which I did well not there saying they did not receive the money order I went back to were I bought it told them of the problem they said they can track it to see if it had been cashed it took a while for them to find out anything I was notified that had in fact been cash by them but they still calling me and saying they never receive it now they have put it on my credit ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Paypal Holdings, Inc
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Around the middle of XXXX I received a large direct deposit from the Florida unemployment office, I signed up for a PayPal account under the guise that they have direct deposit and the debit cards and all that stuff that goes with that everyday bill paying. I paid some bills, I paid some people of whom I owed money to, I used XXXX  a couple times and I got a hotel room. I received a an email from them saying that they had permanently limited my account and that they're going to withhold my funds of close to {$4000.00} for 180 days with no explanation of any agreement that I broke, just saying that they felt unsafe with some of my transactions. Now, you have to remember that some of these transactions were made after four months of not getting paid so I can only add {$300.00} to the temporary debit card a day so that was being done for a couple days, so I can get bills paid. Anyway I can't wait 180 days for the money to be returned. Paypal 's user agreement is flawed in, outdated and probably criminal. I have read several online post about people having the same problem, having their accounts permanently limited which means they shut your account down, they don't close it because if they close it, then they have to return the money and I can't even close it and there's a lot of talk of class action suits against PayPal on this topic but as of right now my issue is getting that money back as soon as possible so I don't end up almost I need that money it just came in and now it's it's frozen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-24
Company: Forster & Garbus LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The FOSTER & GARBUS LLP / debt collector is pursuing payments even though the credit card in question was void in whole or in part due to identity thief and payments could not be collected. In addition, the debt collection has NOT provided validation of account and proof that it 's licensed to collect in New York State. The Debt collector created the false impression that they have a legal right to collect payments and that I have a legal obligation to pay off the credit card that has been again in whole and or in part voided due to the identity thief. 

The FOSTER & GARBUS LLP is impersonating as law firm, with has no legal right to conduct business in New York State, and continues to send me letters demanding payment for debts that I have no legal obligation to pay even after my two repeated attempts to ask for validation of the account but them refusing to provide it. 

I request under the Dodd-Frank Wall Street Reform and Consumer Protection Act, and under the authority that the CFPB has to take action against FOSTER & GARBUS LLP engaging in unfair, deceptive, or abusive acts or practices, or that otherwise violate federal consumer financial laws like the Truth in Lending Act to investigate FOSTER & GARBUS LLP / Debt Collector. 

Thank you Respectfully

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have federal student loans serviced by two separate companies -- Navient and XXXX. I have been paying my student loans on an IBR plan since around XX/XX/XXXX. I submitted documentation to update my Income-Based Repayment Plan in Summer of XX/XX/XXXX. XXXX processed the documentation, and adjusted my monthly payment accordingly. Navient, on the other hand, claimed that I did not qualify for IBR. When I pointed out the fact that the other student loan company ( XXXX ) reached a different conclusion, Navient would not reconsider their position or provide any explanation of how they reached the conclusion that I did not qualify. I asked for them to provide a written explanation of how they reached this result, or the calculation that they conducted to reach this result. None such explanation was provided. I asked if there was a process to challenge the conclusion or request reconsideration, and I was told no. At one point, the Navient representative stated that XXXX reached a different result than Navient because XXXX services a different type of federal loans. I had to point out that IBR applies to all federal student loans, I have no private loans, and there was no difference in the rules. This is not the first time I have had problems with getting Navient to correctly calculate my IBR monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have a kohls credit card that was opened in XX/XX/2013 lost my job and didnt pay it the account went to a charge off i paid the full amount and atill shows charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL 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 explanation
Consumer complaint received 2022-04-04
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
As shown in the attached image, the withdrawal was initiated on XXXX XX/XX/2022 and shown as completed. However the money has not reached my account till date XXXX XX/XX/2022. Coinbase mentions that withdrawal takes XXXX business days. Also in the confirmation email, it said money will reach the account by XXXX XX/XX/2022. However, the money has not reached the account yet. 
I have called Coinbase multiple times and each time I was given different explanations. Finally they reached out to me via email and mentioned that the transaction is under review, however no detailes were given as to what kind of review. I have provided all the details asked, however I am still in the dark as to when I will receive the funds and what is the reason for delay. Meanwhile I am in urgent need of funds and incurring financial losses. 

Regards

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-29
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XX/XX/XXXX, First National Bank approached me with an offer to Skip A Payment in XXXX or XXXX. I sent them the form and a check for {$50.00} to pay the interest plus a few cents on XX/XX/XXXX. My payment was not due until XX/XX/XXXX. I always round my payments up to the nearest dollar and allow the difference to go towards the principal. I assumed that everything was fine. I did not receive any communication about a problem. On XX/XX/XXXX, they contacted me for the first time with a past due notice. I assumed it was in error, because the total amount due ( {$360.00} ) on XX/XX/XXXX on the notice was under the last payment received of {$370.00} on XX/XX/XXXX. I contacted First National through the customer service line in the beginning of XXXX. On this phone call, I explained my confusion. I sent the {$50.00} interest only payment on XX/XX/XXXX, a {$400.00} payment on XX/XX/XXXX, and a {$370.00} payment on XX/XX/XXXX. At no time in the past three months have I been late on my payments. The customer service agent told me that my account does not reflect the Skipped Payment offer. They did not cash my check. She could not help me any further, but offered to have another representative of the bank call me. I never received a telephone call to correct this situation. On XX/XX/XXXX, they sent me a past due notice that states I have {$330.00} past due, a late charge of XXXX for a total amount due of {$360.00} on XX/XX/XXXX. In order to bring my payment current, I paid {$400.00} on XX/XX/XXXX. This is over the total amount due on the notice. This did not correct my account. On XX/XX/XXXX, I received a past due notice that states I have a {$300.00} amount past due, a late charge of {$33.00} for a total amount due of {$340.00} by XX/XX/XXXX. In order to bring my payment current, I paid {$370.00} on XX/XX/XXXX. This is over the requested amount and several weeks early. This did not correct my account. The bank sent me a letter on XX/XX/XXXX stating they have attempted to contact me about this matter by telephone. My cell phone records show no attempts by First National Bank to reach me in XXXX. They have not left a single message on my phone. I have not spoken to anyone at First National since I made contact in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2017-10-24
Company: Collection Consultants of California
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:
Hello, I am emailing in regards to XXXX bills from XXXX XXXX XXXX still showing up on my credit file. I am aware that Collection Consultants in XXXX, California ( XXXX. XXXX XXXX, zip XXXX ) still has me showing bad debt for {$75.00} and for {$10000.00} to XXXX XXXX XXXX XXXX XXXX XXXX Bills ). 

XXXX XXXX, my insurance plan was never billed for the XX/XX/XXXX {$10000.00} amount and is still awaiting on the bill from XXXX XXXX of XXXX. 

The {$75.00} debt was sent to collections without me ever have received a bill. How am I supposed to know that the {$75.00} debt to XXXX XXXX of XXXX is mine? No bill was ever received but it was sent to collections without my knowledge. 

I do know that starting XX/XX/XXXX there have been many changes to all three major reporting agency companies ( XXXX, XXXX and XXXX ). I know that my social, my name, address and either my D.O.B or social should be listed to identify me as the person who the company is trying to collect a debt from. I also know that this past XX/XX/XXXX, all XXXX agencies are to remove all medical debt accounts that were sent without properly billing my or any XXXX persons medical insurance. I demand proof from XXXX XXXX XXXX of XXXX that they have billed XXXX XXXX as I have sent in my bills on my own and they have been awaiting a response from XXXX XXXX XXXX XXXX since the beginning of the year to send in a payment. They requested their TAX ID to make a payment on the XX/XX/XXXX bill for {$10000.00}. 

I work in the XXXX field and I understand that insurance companies MUST be billed and that it can take from XXXX days to up to a year for payment. In this case, XXXX XXXX XXXX of XXXX just sent my account to collections for {$10000.00} and tarnished my hard work in keeping my credit file clean. 

Please let me know what can and will be done. A copy of this has been sent to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, so what happened was that I had an account with XXXX XXXX XXXX for Phone, cable and Internet. During the first month of the account, we learned we were being charged for 2-3 extra phone lines which increased our bill dramatically. After complaining about this issue ( and still paying so our service did n't go out ), they did not fix the issue and it persisted. At the start of the second month, my account went into fraud and my account was shut down, this is because the 2-3 extra phone lines that they added on my account were not being used ( for obvious reasons ) and if a phone line/sim is not used for a certain time, your account goes to fraud. I then had to prove to them that I was not committing fraud. They eventually solved the issue but could not renew my account as once it goes to fraud, it can not be opened. My services such as internet, cable and phone were all shut off and I had to go to a public library to even call them and try to resolve the issue. I then talked to someone via online chat box and after much deliberation they attempted to solve the issue and only have me pay what I owed that month which was about {$95.00}. I did pay and it was resolved only for a few days and then the whole account was suspended again due to non payment, this time the payment was well over {$1500.00} as when the account went into fraud, the payment plans I had on my phones were cancelled and they attempted to charge me for 2 brand new phones even though it was supposed to be only one new phone. I do have a copy of a transcript of the conversation I had with the agent and I do have the case # with XXXX in which I tried to solve. I refused to pay this as not only were they over charging me, they were n't even giving me service and charging me for things that were not even there. They would not help me over the phone after I tried multiple times and it came to the point where I had to leave and just find another provided. I refused to pay this amount and I told them why, but they just sent it to collections and thus my credit has been held hostage since. XXXX XXXX # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
Morning, I was notified of several hard inquires that hit my credit that i did not initiate. There were XXXX hard inquiries at the end of XXXX and today I was notified again of XXXX more inquires! 
I did not make these inquires and there are now a total of XXXX and I do not believe it will stop here. I need assistance in stooping what is happening to my credit. There are multiple company 's and I have tried contacting them. 
Thank you for any assistance, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14
Company: Experian Information Solutions Inc.
State: MO
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 viewed my report and discovered there were unverified accounts. I reached out to bureau and it was not corrected. here is the item : 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 explanation
Consumer complaint received 2021-01-19
Company: OneMain Finance Corporation
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I got pre approved and was never informed in the advertisement that it was a title loan service and I would like the inquiry removed when I called the location as advised they where combative and careless.

Company response to consumer: Closed with explanation