BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: DC
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance Owed : {$780.00} XXXX XXXX XXXX Balance Owed : {$6100.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$65.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$36000.00}

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 2021-04-10
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
COMPLAINT ABOUT COINBASE NAME OF ACCOUNT OWNER : XXXX XXXX XXXX PHONE NUMBER : XXXX EMAIL : XXXX DESCRIPTION OF THE ISSUE : - On Thu, XXXX XXXX, XXXX XXXX I, XXXX XXXX XXXX, received an alert from my Bank of a Withdrawal of {$300.00}, my alert is for transactions above {$120.00}. See Exhibit A - I went immediately to my Online banking and found out that COINBASE did that withdrawal. 
- Immediately I went to COINBASE and found out a few unsettling facts : o My account in COINBASE had now XXXX dollars instead of the XXXX I approximately had. See Exhibit B o There were multiple withdrawals and buys done that day at XXXX +/-, none of them done by me. See Exhibit C o My name was there but all my address information was from someone else. See Exhibit D - I tried to contact COINBASE and there was no way I could contact them by phone, only an automated message telling me they are not able to assist in person. 
- I filed the form they have to complain when we detect unusual or unrecognized activities. See Exhibit E - Please note that when opening my account with coinbase they requested my personal information, State ID, I activated 2 step verification and they verified through my phone, and verified my email. See Exhibit F - I have XXXX XXXX, I have my latest XXXX Update, always verifying I dont have viruses, malware, etc in my computer or browser. Limited extensions added and XXXX XXXX activated. My browser is current as of the date of the issue and all safety measurements have been taken to protect my personal information which is on my computer. 
- Curiously the COINBASE page didnt have a place where I could cancel any recurring charges in case the person who stole my money did it using that option from COINBASE. Coinbase didnt have any tools to track my transactions, COINBASE didnt alert me of selling my money or any of the transactions shown in Exhibit C - All the private information from COINBASE like secret words to access my account are private and no one had access at no time. 

COMPLAIN - How can someone get access to my access to my account without having an alert into my phone or email? 
- How can someone get access and do everything they want without COINBASE noticing any unusual activity? Clearly a person from North Carolina or somewhere else was using my account with COINBASE consent. 
- I want COINBASE to be accountable and return my money because I feel its their responsibility to protect my money, from people who is not ME. I took all the necessary steps. 
- Clearly one of the transfers was sent to an account starting in XXXX and ending in XXXX, that account has to belong to a real person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX with XXXX XXXX, Account # XXXX with XXXX, Account # XXXX with XXXX, Account XXXX with XXXX XXXX, Account # XXXX with XXXX XXXX XXXX Account # XXXX with XXXX, Account # XXXX with XXXX, Account XXXX XXXX with XXXX XXXX  XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States i have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.

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 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2017-10-17
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
1. Navient made predatory loans to students attending schools with graduation rates of less than 50 percent, expecting students wouldnt be able to repay their loans.

2. Navient used a baited hook with subprime loans to become a preferred lender for many schools and increase its volume, even though it knew subprime student loan borrowers would likely default.

3. After the implementation of income-driven repayment ( IDR ), Navient knowingly steered borrowers toward forbearance instead of counseling them about more affordable repayment plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This happened on XX/XX/2021 around XXXX XXXX .I deposited $ XXXX {$1400.00} at the ATM # XXXX at the Branch on 5XXXX XXXX XXXX., XXXX, CA Branch # XXXX . I click on the email button expecting to receive thereceipt of my deposit via email but never got an email from CITI Bank and the money was not deposited in my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: JPMORGAN CHASE & CO.
State: DC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Dear Whom It May Concern, Chase Bank is managing my second loan which is due for pay-off. I've been making extra principal payments and the payments have not been applied when I have made them and had to get the bank to retroactively apply the payments. 

The accounting on the principal payments has been incorrect and there are misapplication reversals on my mortgage account at least a dozen times. The accounting is still not accurate, despite me calling to point out the discrepenices a dozen times or more plus email them. My notes indicate I have less than {$3000.00} left to pay but the bank is showing {$4500.00} There is an even still an unapplied balance of {$1500.00} on my bank account as of XX/XX/XXXX. When I call to dispute the math, starting with with XX/XX/XXXX where I had {$6100.00} left on my account but have paid these principal payment since then {$1600.00} on XX/XX/XXXX and {$1500.00} on XX/XX/XXXX, the bank says I still owe {$4500.00}. 

Worse, when I ask to go back to the principal payments paid each month, to discuss objectively, the accounting on specific dates, they refer to the billling statements which are wrong. They can not discuss their accounting records they present me online because when they do they cite different digital record keeping records. So what they report as the math and principal payment amounts and remaining balance does not match up in their records they are discussing with me. In other words, their accounting on their side doesn't match the records they are sharing with me online. It's chaotic and feels insane for a financial institution. Fuzzy math is unacceptable. 

The result is you can not discuss anything with them because their records do not match. They are keeping bad records, not fixing errors, overcharging me on interest and making it virtually impossible for me to pay this loan off because every time I ask of pay off quote the amount is XXXX what is left on the loan. I need a third party to observe the nefarious and ill-intentioned record keeping and lack of proper follow up and fair accounting on the account. I just want to have the payments I made reflected accurately, not be overcharged for interest, get one clean pay-off quote and end this madness. I am literally afraid of paying any more because for 8 months straight every time I pay, they apply the principal incorrectly and the payments I owe sometimes increase after a big principal payment. What is the point of paying this if I can never get an accurate payment amount?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am filing this formal complaint against Wells Fargo for the unjust denial of my debit card dispute claims, which were submitted on XX/XX/2023, and XX/XX/2023. The transactions in question involve amounts of {$520.00} and {$19.00}, both dated XX/XX/2023. 

Despite providing substantial evidence, including a police report filed with the XXXX XXXX XXXX Sheriff Department on XX/XX/2023, and security camera footage verifying the fraudulent transactions, Wells Fargo dismissed my claims without any credible justification. 

This denial is not only unacceptable but also in violation of my rights under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, which mandate that I am entitled to a detailed written explanation for the denial of my dispute claims. Wells Fargo 's failure to provide this explanation is a direct infringement of these regulations. 

I demand immediate action to rectify this situation, including a thorough investigation into Wells Fargo 's dispute resolution process. Failure to address this complaint will leave me with no option but to seek further legal recourse. 

I expect prompt attention to this urgent matter.

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 2023-02-28
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: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FI XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 2023-10-24
Company: The Savings Group, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I reviewed the website for RateGenius to see what rates they were offering on a refinance of a car loan that has a 6.49 % rate. My credit score is well above XXXX and the rate advertised by RateGenius for a 3 year amortization loan was 4.67 %. I have taken a picture of the website which states the rates are as of XXXX XXXX, 2023 I went through an extensive process to apply for a loan based on the advertised rate and was offered a rate of 6.19 % and told the APR would be over 7.5 % when including fees. On the advertised rate there was no asterisk for any additional fees that would cause the APR to be higher than the advertised rate. I queried as to why they would not offer me the rate advertised and they had no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: IL
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 appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
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 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 2022-09-11
Company: Constar Financial Services, LLC
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had been tricked with a car from XXXX, I was taken advantage of. We had the car repossessed so the car was sold at an auction. The problem was that I was owed some money after the auction by XXXX around {$1600.00}. I made payment arrangements to pay that. I was agreed with {$600.00} off the remaining amount owed to XXXX because of tax exception. So I did the payments to XXXX every month until it was resolved. When I log onto the portal I see that the account was paid in full from XXXX  account portal so my not understanding is why there is a debt collection called the Constar Financial Service, LLC sent me a letter saying that I owe them {$420.00} when this account was already paid. I was agreed upon not paying the tax from XXXX. This is full on XXXX I am not contacting them because they will record and cheat to make it look like I owe the debt when its already resolved. I am not writing to them because they would do the same. This has happened to me before, I dont trust these collection people cheating tactics by making me verify myself. I dont own the car so why should I keep being making payments. I just had my job loss from a laid off and Im waiting to be working again. This is XXXX it is unfair and its terrible practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: WELLS FARGO & COMPANY
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
During the Covid pandemic Wells Fargo wrongly reported damaging information to the consumer credit agencies after making payments on our student loan accounts. The information reported stated that no payments were made on the account which is incorrect. My daughter and I both made several payments in XXXX XXXX, XXXX, XX/XX/21 XXXX, XXXX, XX/XX/21 XXXX, XXXX and XXXX. The reported information has created a negative report which resulted in my credit score dropping drastically. I contacted Wells Fargo regarding the reporting and was told that our payments were insufficient. My daughter and I made our best payment in good faith. I then told Wells Fargo that I am seeking the advice of legal council. Wells Fargo started harassing me calling leaving messages, they sent letters requesting the name of the law firm that I retained and finally added more negative commentary on my credit file to further damage my credit report. The most insulting part of this is the people who sign off on the letters mailed only put their first name and last initial. When I called to speak to the person who is the executive that signed authorized the additional damaging narrative they were not available. Wells Fargo caused damage to my name and credit, as well as my daughters.

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 2017-10-21
Company: EQUIFAX, INC.
State: WI
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 pulled a copy of my credit report in light of all the recent breaches with Equifax. I discovered XXXX fraudulent inquires, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX and XXXX XXXX XXXX/XXXX/XXXX. I disputed them and they have the nerve to tell me that they are verified and I should contact these companies myself. Why would I call and give them my personal information and I never did in the first place. I do n't have business with these companies, never gave them the right to access my credit report and Equifax should be working with me the consumer not against me. There is too much identity fraud going on now. Please help me as they are violating my rights under FDCRA and FCRA. I have tried calling and they are rude. All there answers are no we cant do that, the information is factual. I do n't know who is trying to obtain credit in my name but I received notice from XXXX that my name is on some black market website.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13
Company: Experian Information Solutions Inc.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reject your offer to contract I did not consent to any nonaffiliated third XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX to be in possession of my XXXX XXXX XXXX. This is notice to cease and desist all communications and furnishing false credit information on my credit report is also considered communications. I am not requesting validation of any alleged debt as obtaining as Non Public Personal Information without my lawful authority constitutes Aggravated Identity Theft XXXX XXXX XXXX. I have reason to believe that the XXXX XXXX, XXXX XXXX XXXX, Experian are all conspiring against me trying to collect on a extension of credit through unlawful extortionate means. By putting this false credit information on my credit reports your damaging my name and credit worthiness. If you do not remove this false credit information immediately ill be forced to Seek justice under all my FEDERAL RIGHTS. The collection of this extension of credit would be a VIOLATION OF THE FALSE CLAIMS ACT. Remove this false information 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