BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-04
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Coinbase implemented the support for XRP cryptocurrency and when I pulled up the deposit web form it showed only the wallet address, it did NOT show an XRP tag, so I completed the transfer and it said it would take 10min, after 20min I checked my wallet and it was not in there, so I opened up a support ticket, they said that the form should have had a wallet address and an XRP tag number which mine did not. I even sent them a screenshot of it showing no need for the XRP tag when I pulled up the deposit form on their site. They proceed to tell me they can not put the currency that I transfered to their wallet in my XRP wallet when this was NOT my fault in ANY WAY!!! This is a fault with their site and DEV team letting people submit transfers without their system being fully operational and in no way did it say any tag requirement when I made the transfer and I have proof of that. They need to fix this or I will be pushing the issue legally as this was NOT MY FAULT because their site was not fully functional since implementing their new XRP support wallet!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: Ability Recovery Services, LLC
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 belongs to someone else

Complaint:
I contacted Ability Recovery in reference to a fraudulent XXXX University account that is now in collection with them. I have never attended XXXX and this account was fraudulent. Per my email conversation with XXXX XXXX XXXX, this account was to be deleted from my credit file. As of XX/XX/19, this fraudulent collection account is still reporting on my XXXX credit file. Per XXXX, this account is valid per Ability. This is not my account and this collection is causing a major detriment to my credit file.

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 2023-01-18
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX, XXXX and XXXX XXXX, sends out letters on company letter head as law firm, they are debt collectors who go to court for other companies. But how do they own the debt and why do they appear to the individual as the attorney for the Plaintiff when they are debt collectors. They sign each letter but if you read the end it states we are a debt collector any information will be used for that purpose they do not do Debt Validity. When you call you never get through, I was a victim of Identity theft. Yet I have to send that affidavit to an entirely different company that is not even on the Docket. It is very confusing. This company is practicing Unethical practices to try to XXXX XXXX or do Wage Garnishment. They can not be the attorney and the debt collector for the company who is suing. I have been through financial turmoil because of this company. I am not the only one, I believe they try to get all old debt and then go to court as the Attorney and the Debt collector. Who owns the debt the Plaintiff the law firm, New Jersey Superior court should not accept these lawsuits or practices from this Firm as it is unethical.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Conn's, Inc.
State: LA
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:
Hello my name is XXXX XXXX XXXX and I have a dispute with Conns XXXX XXXX they have XXXX dollars on my credit report and I did not charge anything for that amount and it is on my credit when I was in XXXX XXXX La I had a house fire at XXXX XXXX XXXX XXXX XXXX LA and I did not have no uitilites and no water on at the house. I was working on the repairs to the house but since then I had a XXXX on XX/XX/XXXX, XXXX and I was in a XXXX for XXXX weeks I ended in a Nursing Home by my daughter and I was going back and forth to the hosipitals in XXXX XXXX I ended up with my sister in law XXXX XXXX XXXX XX/XX/XXXX and from there I went to XXXX XXXX XXXX XXXX XX/XX/XXXX and was put on XXXX now and still lives in XXXX XXXX la XXXX and still on XXXX and I did not do no charges on my credit report please investigate please XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-03
Company: FULTON FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2020 i used the Fulton Bank Et al ATM on the outside of the XXXX XXXX MD Branch on XXXX XXXX XXXX. I deposited {$140.00} in cash utilizing an machine which is/was the EXACTLY Antiquated ATM machines which permit deposits of checks/cash, yet these types of machines DO NOT PERMIT a customer to deposit all CASH EXACTLY LIKE I DID & have the entire deposit of CASH available same day. After learning on XX/XX/2020 any deposit CASH OR CHECK only {$100.00} is available IMMEDIATELY! When the USA Government gave The XXXX XXXX  ET AL of Maryland PERMISSION TO MERGE WITH FULTON BANK ET AL they neglected many things which caused me after the merger 10 plus days to check a bill pay ck deposited from a bank literally across the streetbut other people did not have the same lengthy deposit time -ONLY ME!! Now they refuse to RETURN THE {$39.00} nsf fee the assessed my account ending XXXX, even after i requested 3 XXXX  times. I am on XXXX ( NOT A MILLIONAIRE ) -i need every dollar to pay my bills. I have spent hours on the phone explaining all items they never fixed prior to the merger with one if their executives who said he appreciated my in a telephone conversation, yet blatantly refused to acknowledge same in writing-which makes him of poor quality character! Obviously i can clearly tell an executive what & how to fix the issues from a horrific merger which was authorized without properly ensuring customers did not feel/experience the BRUNT of the merger- yet i can not have a teeny tiny {$39.00} nsf fee refunded with apology. Today XX/XX/2020 i drove up to same antiquated ATM at same branch location which now DENIES ME THE ABILITY TO DEPOSIT FUNDS! Wonderful way to show ALL customers are VALUED!! I want all these issues fixed plus i deserve interest on my nsf fee up to date it is actually refunded back to my account. That is only fair & just, since i tried to fix it from XX/XX/2020TO NO AVAIL!!

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 2019-03-04
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: Public record information inaccurate

Complaint:
XXXX XXXX XX/XX/2019 Upon checking my credit report numerous times in the past. I came across a Unverified account that is a bankruptcy that I have know knowledge of! 
I XXXX XXXX HAVE TRIED DISPUTING THIS CHAPTER XXXX BANKRUPTCY-XXXX XXXX XXXX NUMEROUS TIMES IN THE PAST WITH THE CREDIT BUREAUS XXXX, EQUIFAX, XXXX AND HAVE FAILED TO GET A RESPONSE FROM THE THREE. THEY HAVE TARNISHED MY NAME WITH INACCURATE REPORTING! ACCORDING TO THE FAIR CREDIT REPORTING ACT THE CREDIT BUREAUS MUST MAINTAIN ACCURATE CREDIT REPORTING, AND ALSO 100 % VERIFIABLE PROOF ( DOCUMENTATION ) TO KEEP AN ACCOUNT ON A CREDIT REPORT. THE PROBLEM WITH THIS IS THAT XXXX XXXX XXXX XXXX PRESIDENT OF US INFO, AND XXXX XXXX EXECUTIVE VICE PRESIDENT OF XXXX XXXX AND XXXX XXXX PRESIDENT OF EQUIFAX LLC, AND XXXX XXXX SENIOR VICE PRESIDENT OF EQUIFAX LLC AND ALSO XXXX XXXX PRESIDENT OF XXXX XXXX  XXXX AND CORPORATE CHIEF CLIENT OFFICER OF EQUIFAX, ALONG WITH XXXX ARE VIOLATING THE FAIR CREDIT REPORTING ACT FOR REPORTING UNVERIFIED FRAUDULENT INFORMATION AND KEEPING THIS INFORMATION ON MY CREDIT REPORT PAST STATUES OF LIMITATION. I HAVE ALSO TOOK IT A STEP FURTHER AND HAVE REACHED OUT TO XXXX COUNTY 'S REGISTER DEEDS OFFICE IN XXXX THEY WROTE ME BACK IN A RESPONSE LETTER STATING THAT THEY DO NOT REPORT TO ANY CREDIT BUREAUS VIA FAX, EMAIL, OR BY MAIL I HAVE UPLOADED THE PROOF! ALSO IF THE CREDIT BUREAUS CONTINUE TO VIOLATE THE FCRA AND DO NOT REMOVE THIS UNVERIFIED ACCOUNT I WILL PURSUE FURTHER LITIGATION AND JOIN THE FIRST CLASS CONSUMER LAWSUIT INVOLVING OTHERS WHO HAVE BEEN A VICTIM TO XXXX XXXX PRESIDENT AT EQUIFAX AND ALSO XXXX XXXX XXXX VICE PRESIDENT AT XXXX XXXX! THESE COMPANIES ARE TAKING ADVANTAGE OF HARDWORKING CITIZENS WHO DO EVERYTHING IN THEIR POWER TO KEEP THEIR NAME CLEAN TO PROGRESS IN LIFE. I AM DISGUSTED WITH THE CREDIT BUREAUS. I HAVE ALSO OPTED OUT OF ALL ARBITRATION THAT THEY HAVE SETUP SO I CAN NOT SUE YOU ALL IN SMALL CLAIMS COURT!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I lost my home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX during the years XXXX to XXXX. The home was in the Town of XXXX XXXX XXXX XXXX, State of XXXX XXXX. Wells Fargo forced me into foreclosure XXXX XXXX  Bankruptcy. They consistently failed to provide me a loan modification. I am told I am part of a minimum {$24000.00} settlement. My name at the time was XXXX XXXX XXXX. I have since married and am now known as XXXX XXXX XXXX. The attorney for Wells Fargo, XXXX XXXX was cited for foreclosure fraud.

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 2023-02-23
Company: EQUIFAX, INC.
State: NV
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 number XXXX has violated my rights. 

Statue 15 U.S.C 1681 s. 602A. States, A consumer ( myself ) has the right to privacy.

Statue 15 U.S.C 1681 s. 604A. states, A consumer reporting agency can not furnish a report without the written instructions or concern from the consumer ( myself ). 

XXXX XXXX and Equifax have violated my rights by furnishing my credit file with inaccurate information regarding account XXXX XXXX XXXX. I have verified that Discount does not exist with the listed lender or creditor. This account is fraudulent. I have disputed it several times in the past and it only comes back updated. I deserve the right to an accurate credit file. I have provided proof and documentation of an accuracies that violate my rights. Please remove this in accurate information from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: General Motors Financial Company, Inc.
State: PA
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:
On XX/XX/2017 GM Financial with whom me and my husband had a joint loan for XXXX XXXX XXXX paid the pain in the mail, the check wasnt received. We found out next month the payment hadnt been received, made a double payment. GM removed the late charge and said they would remove the 30 day late on our credit report but since have not done so. My husband and I have called them and sent many letters. We feel GM is acting unreasonable in the situation since we had great payments before and after that event. Always paying online now. We also opened a new loan with them in XXXX. The mark of 30 days late on our credit is very damaging and need some help. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 sent a debt validation letter and cease and desist letter to verify the account... Apparently the account has been charged off therefore they have been compensated.

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 2023-02-22
Company: Experian Information Solutions Inc.
State: TX
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:
N. Accordance with the Fair Credit Reporting act 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 : also states a consumer reporting agency can not furnish an account without my 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 explanation
Consumer complaint received 2018-05-02
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
In XX/XX/2010we purchased a vehicle financed through this company. We believe that we were unfairly taken advantage of. The interest rate was way too high. The cost of the vehicle was $ XXXX, by the end of the term we will have paid this company $ XXXX but I have a balloon payment of $ XXXX left at end of term that the company says comes from interest that they are willing to refinance at another ridiculous rate. At this point, I am ready to take legal action against this company. This was a shark loan from a company with immoral business practices. I see where they have had class action suits taken against them about the same unfair practices. I would like to open another class action suit against this company to give some relief to people that may be in the same situation with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Experian Information Solutions Inc.
State: AR
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:
Ive already disputed this account and the company has failed to respond. I havent heard anything back on why this is still reporting on my credit profile. This account is not mine

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 2018-05-02
Company: EQUIFAX, INC.
State: PR
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 sent a certificate letter to Equifax on XX/XX/XXXX ( XXXX ) asking to validate XXXX XXXX  XXXX listed on my credit report. Per the FCRA 623 ( a ) ( 5 ) : if the Credit Bureau can not VALIDATE the information with the ORIGINAL creditor, they must remove said information from the consumer credit file. Public records information is NEVER validated by the Recorder of Deeds nor the US Court system due to the Fair Credit Reporting Agency PRIVACY LAW In XX/XX/XXXX Equifax answered my letter with report number ( XXXX ) indicating that they have verified that this public record item is reporting correctly with third party vendor XXXX How it is possible that Equifax verified in XX/XX/XXXX the accuracy of the information by XXXX XXXX, if in XX/XX/XXXX XXXX sent me a letter ( attached copy of the letter ) saying that was unable to verify the accuracy of bankruptcy case number XXXX and subsequently they had removed from their records. It is clear that Equifax used false information to verify the accuracy of the XXXX XXXX XXXX LISTED ON MY CREDIT REPORT, for this reason through this complaint I ask you immediately to DELETED THAT ACCOUNT FROM MY EXPERIAN CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
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: Account status incorrect

Complaint:
I was dismayed once I looked at my XXXX, XXXX and TransUnion credit reports and realized that I was reported as having a late payment on the date below : 30 days past due as of XXXX 2016 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this took effect, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.

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 2023-06-16
Company: OneMain Finance Corporation
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Took out a loan from One Main Financial over 3 yrs ago. Still paying on the loan when asked if there was anyway to lesson the payments was told that I could only refinance the loan. Also had issues paying the loan and was only given the option to refinance instead of helping lower monthly payments

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have already cancelled one XXXX credit card over recent changes to terms with Firearms sellers. However the recent revelation that my major financial institution, Bank of America, is among those institutions looking at ways to track/limit my purchase of a legal product intended for lawful uses. ( XXXX XXXX XXXX ) has the potential to make it nearly impossible to go about daily life without agreeing to give up my fundamental constitutional rights. 

The ability to use a credit card with freedom from viewpoint discrimination is critical to life in modern society. The CFPB was created because it was understood that financial decisions by private corporations can destroy the lives of millions of individual customers if not handled fairly and honestly. Asking customers to expose themselves to having their transactions arbitrarily denied, or cards cancelled, based on what we choose to purchase is an overstepping of boundaries. Such decisions should only be made on financial grounds like card balance limits, not what is being purchased. 

Imagine a world in which your purchases are denied solely becuase your life choices do not match the whims of the corporation on any particular day. No XXXX transactions because our company makes more profit from large taxi companies. No political donations to members of the political parties that our executives don't support. Sorry, we can't process your monthly XXXX bill payment because our corporate cell provider is XXXX. Expressing your corporate opinion via charity or special incentives is one thing and is understandable. Forcing your corporate opinion in the private lives of your customers is another thing and is totally unacceptable. 

Just because these corporate policies take care to not stray into legally protected areas of discrimination like race and religion doesn't make viewpoint discrimination right even if it may not have violated any laws, at least not yet. No matter which side any individual takes on any issue, I doubt most customers want their credit card companies second guessing their individual purchasing decisions on a daily basis. The potential for abuse is just too large, and such policies may need to be regulated if corporations continue down this path.

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 2020-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Ive already disputed this account and the company has failed to respond. I havent heard anything back on why this is still reporting on my credit profile. This account is not mine

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 2019-03-04
Company: SUNTRUST BANKS, INC.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
After weeks of waiting I was told SunTrust bank would not refund me the XXXX in fees that occurred due to how they handle my overdraft. I set up a over draft protection as directed by bank employee at SunTrust in XXXX XXXX, MD branch. It says it has a {$5000.00} limit which at the time it kicked in when my account went below XXXX. stopped working after only XXXX items went thru ( they charged me $ XXXX/day for unlimited items, that was the agreement at the time I set it up ) Out of the {$1000.00} in bank fees I was charged only XXXX of those are what I agreed to pay {$38.00} /day unlimited items. I was returned only XXXX of these fees and was told it was not a bank error that it was linked to another card even though it has a different number and when I check online has a different available credit. So it stated I had over XXXX $ available but after XXXX $ they cut off the line and returned XXXX items and then charged me {$38.00} per item returned. I don't see how this is possibly legal? and if it is something should be done to make it not so!

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