BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-23
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I had a XXXX dollar XXXX  investment hacked and stolen from my Coinbase account with no liable responsibility taken from Coinbase on XX/XX/XXXX that I was just made aware of on Thursday XX/XX/XXXX. That investment would be worth over {$4500.00} today. On XX/XX/XXXX, I received a phone call from a mimicked phone number of XXXX  claiming it was XXXX  needing to confirm information on my account due to failed attempts to log in to my account. I had tried logging into my account the day prior and forgot my password so I figured I had frozen my account and they were calling to confirm that their was no suspicious activity. They were sending me text message verifications that were coming up on my phone as texts sent from XXXX. All I did was confirm the text verifications from XXXX. I did not provide any password, social, DOB, etc to these individuals and proceeded to hang up shortly after the call. I had no reason to believe there was anything suspicious going on or anything that could compromise my account given I had not provided essential information that would lead to accessing the account. I was not made aware until XX/XX/XXXX when trying to log back into my account to sell the recently appreciated investment that I, 1. could not log in, and 2. someone with no association to my name made 3 transactions of moving my XXXX out of my account on XX/XX/XXXX. They had an alias name of XXXX XXXX XXXX and the IP address associated to the transactions was XXXX. I do not know how this would be possible given my name was under the title of the account, so there for I should be the only one allowed to make buy/sell/transfer transactions. I received no notification from Coinbase that any activity like this, especially such suspicious activity, was performed. I had no reason to wonder or check my account because I was invested for the long run and waiting for a large spike in value, which finally occurred last week around XX/XX/XXXX which caused me to check. Coinbase takes no responsibility for their lack of security, and will not replace or attempt to recover my stolen funds. I am a recent grad struggling to pay bills, especially during a pandemic, and could really use those funds right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: Navient Solutions, LLC.
State: IL
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 called Studentloans.gov on XX/XX/2018, seeing about consolidation of my loans with Navient. The rep that I spoke with kept asking for me to repeat my ssn. Then I was informed the reason why I couldn't see any loans on the studentloans.gov website is due to another ssn was attached to my account with Navient. I called Navient on XX/XX/2018, they stated to me that they could not see another ssn tied to my account, but they ask for me to send in a copy of my DL and SS card. I requested a full report of my account with them and they stated it will take 5-7 days due to mail.

The whole issue is that I don't believe what they say any more. I have called in so many times trying to get my monthly payment lowered and they place me on a forbearance and then state to look in my email. They can never tell me what the new monthly will be. I have had to call each month this year to ask about lowering my payment. One person forgot to submit my request. The other person told me to complete a consolidation. Each time it is something different to get more money out of you. I have been working on my credit for the past two years, so my wife and I can buy a house. Well It has been a roller-coaster due to Navient and their payments. Right now they sent me a letter saying monthly payments for a loan ( did not say which loan ) and the loan amount is XXXX, but my total loans show a big balance of XXXX. Not sure what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I wish to exercise my right of erasure under data protection law. 
I DID NOT and will never give you consent to us any of my personal or professional data. The data that you currently have of mine was illegally collected with out my consent. 
You can find guidance on your obligations under information rights legislation on the website of the XXXX XXXX XXXX ( XXXX ) as well as information on their regulatory powers and the action they can take. 

Please send a full response within one calendar month confirming if you will comply with my request. If you can not respond within that timescale, please tell me when you will be able to respond.

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 2019-06-04
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
This is the third complaint against LexisNexis demanding they fix gaps in coverage showing on my Current Carrier insurance report as per FACTA. I have sent them a PDF file via email last XXXX, containing the Declaration pages for all the uninterrupted auto insurance coverage for the past 7 years. I have received an updated report from them, dated XX/XX/XXXX and it is still showing incorrect gaps in coverage Specifically, the XXXX policy showing on the report, policy ending in XXXX, the from date is showing incorrectly as XXXX, when it should be showing XXXX. There is two other XXXX policies with the same policy number ending in XXXX missing from the report ; one of them has a from date of : XXXX and a to date of : XXXX. The third XXXX policy missing ends in XXXX as well and has a from and to date of : XXXX and XXXX respectively. Furthermore, there is several XXXX policies missing. Policy XXXX, from XXXX, to XXXX. Policy XXXX, from XXXX, to XXXX. Policy XXXX, from XXXX, to XXXX. Policy XXXX, from XXXX, to XXXX. Policy XXXX, from XXXX, to XXXX. Policy XXXX, from XXXX, to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: ID Analytics, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have had some issues with someone accessing my credit file and using my personal information and at this time I would like to request a credit freeze/ Block all access to my file and contact me directly at my phone XXXX or email me at XXXX I need a PIN for all my credit reports asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: SUNTRUST BANKS, INC.
State: VA
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 called in XX/XX/XXXX by Sun trust Bank that they were offering a refinance deal and would I like to be considered for it. The lady who called was XXXX gave no last name but provided this number XXXX. She told me not to make XXXX payment that I would here from the by the XXXX of the refinance. I never received any paperwork but woke up to find my car gone from the driveway. 
I never received any contact from the Bank that there was an issue or no call questioning the payment being late. I live in the state of Virginia and the Virginia law as of XX/XX/XXXX states that before any vehicle can be repossessed a letter must be sent to the consumer informing them that such an action is going to take place. 
When I found the car gone I immediately called sun trust as I had not heard anything from them and feared the worst. Since this happened I have found out this was all a scam during that time in XX/XX/XXXX. 
Immediately I got the funds and went to pick my car up from the agency it had been towed to which was across state lines which I believe is also illegal. 
Immediately after getting my car I started the complaint process with suntrust about the repossession of the car. I spoke to a lady by the name of XXXX at the same number and she told me to call the XXXX number and speak to someone about this matter. 
I am very upset about the reporting on my credit report as it shows repossession and then after it was recovered they marked my payments as it being in recovery payment. 
This car was paid off this year and the negative crdit marking has caused me not only to not get an RV but also has caused me not to be bale to get a home equity loan. 
I was promised by suntrust in XX/XX/XXXX that all the reporting would be corrected.

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 2021-04-27
Company: World Acceptance Corporation
State: OK
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 found that there are several incorrect and unverified items, with World acceptance  and I have disputed these items with them and the credit bureaus several times in the past. These items have also caused a significant negative impacted my current ability to receive credit and have provided unnecessary embarrassment and inconvenience. 


World Acceptance XXXX and World Finance Co XXXX. This is the exact same company reporting incorrect information and duplicate account. They are listing it under different account numbers and keep removing and re-inserting it on my credit report. 
My last account with World acceptance was opened in XX/XX/XXXX, account number XXXX, and my last payment was in XXXX. I am sending documentation of this. 

This has not only hurt my credit score but also CAUSED major stress and the credit bureaus and world acceptance violated my rights. They recently just did it again which dropped my score XXXX points

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
Wells Fargo has an icon listed on page with my accounts once I am logged into my online banking. It is called XXXX XXXX. At the time I had no idea this wasn't actually Wells Fargo because it is actually listed on my personal account page. Why would they have another company user tool listed with my personal checking account information?? I assumed it was how we transferred money and it was in fact Wells Fargo. Well on XX/XX/2018 We thought we were buying tickets to a football game and we transferred the seller {$500.00} through our Wells Fargo account. Come to find out it was a scam and someone had made up all of their information and they took our money. The seller said their name was XXXX XXXX and listed an email address as well. But come to find out, that person doesn't really exists and they scammed us. Wells Fargo acknowledges, after reviewing that person name and email that it's all red flags that they show and things didn't match up ( we would have no way of knowing that from our end ) BUT they refuse to give us our money back. Banks are suppose to protect their clients. We have ALL of our money and 401K and IRA with them and all they are saying is that this is not fraud but it is in fact fraud. This was a made up name and person that committed fraud and Wells Fargo is treating us like we are the criminals instead of the victims. Please help! We just want Wells Fargo to do the right thing and give us our money back. They should never posted XXXX with our account information if it is not actually Wells Fargo. We didn't go to XXXX to do this transfer, we actually logged into our Wells Fargo online banking portal and XXXX is just listed under our checking account. We didn't even know this wasn't a Wells Fargo tool until this happened and Wells refused to help us. This is so misleading and unethical on so many levels. We feel so violated and vulnerable that our bank, who we believed to be a trusted partner, would allow this to happen to us. If they will not protect you from this kind of thing thing they 100 % should not have XXXX listed in our personal customer portal. We just need help getting our money back and no one will listen.

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 2021-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ive been in forbearance on my Bank of America mortgage loan since XX/XX/XXXX, in accordance with the CARES act. My mortgage is with XXXX XXXX. Recently I read that executive action released on XX/XX/XXXX, that they have extended the forbearance an additional 90 days past the original 12 months. Ive called twice, on XX/XX/XXXX and XX/XX/XXXX to extend my forbearance in accordance with the executive release and both times have been told by a representative that Bank if America doesnt have the extension in their system. They refuse to connect me to a supervisor.

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 2021-12-06
Company: Bridgecrest Acceptance Corporation
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
this company had my car repossessed by an unauthorized third party and i want a copy of my original contract

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 2022-10-05
Company: Resurgent Capital Services L.P.
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 have never had a contact with LVNV they state there was a creditor called 12 credit one who they bought the collection account from which they can not verify as mine. They gave the LVNV account showing inaccurate information such as open and also {$570.00} which is an incorrect amount showing owed yet they cant validate the debt and do not gave any written contracts showing consent. Id like it to be removed or deleted thank you. I sent certified letters to the credit bureau and companies without receiving a proper resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: TD BANK US HOLDING COMPANY
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/2021, I paid my Target Red Card balance in full. In XX/XX/2021, I received a notice from XXXX stating that my payment was late 30 days and is now delinquent. I called the creditor and was told that interest had accrued on the card and that two late fees were also applied. Due to a system error, I never received my statement via email and the statement did not show on my account. So I was not aware of any payment due. I called Target that day to resolve this issue. I paid what had accrued to bring my account back to " current '' but the late payment, due to system error, was not removed from my credit. I have disputed this 3 times now and they refuse to remove the 30 day late payment from my credit report because they " reported the missed payment honestly '' and " my statements were sent out on time since. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: United PanAm Financial Corp.
State: DE
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:
The following companies made " hard '' inquiries on my credit report WITHOUT my consent or authorization ; XXXX XXXX  1. XXXX XXXX XX/XX/2022 2. XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/2022 3. XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 4. XXXX XXXX XXXX XX/XX/2022 5. XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 6. XXXX XXXX XXXX XXXX XX/XX/2022 7. XXXX XXXX XX/XX/2022 8. XXXX XXXX XXXX XX/XX/2022 9. XXXX XXXX XXXXXX/XX/2022 10. XXXX XXXX XX/XX/2022 11. XXXX XXXX XXXX XXXX XXXX 12 XXXX XXXX XX/XX/2022 13. XXXX XXXX XXXX XXXXXXXX XXXX 14. XXXX XXXX XXXXXX/XX/2022 15. XXXX XXXX XXXX XX/XX/2022 16. XXXX XXXX XX/XX/2022 17. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was affected by XXXX. I had XXXX and could not pay my mortgage. I am 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 2021-03-02
Company: Prosper Marketplace, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was PROSPER MARKETPLACE INC customer since XXXX and during that time, I have enjoyed my experience greatly. I have late payments on the above referenced account XXXX XXXX, XXXX, XX/XX/XXXX ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report due to 'Affected by natural disaster '.

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 2021-02-25
Company: Capital Accounts, 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:
On XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX # / added a demography credit Report per XXXX XXXX.Upon research this account was sold/Transferred and I am no longer Responsible for this account. Creditor did not verify this Account. Also there was no form of written communication Or signature for this Debt at all. A bill without a signature does not validate The debt anybody Can send a bill to say is mine. According to FCRA XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # 2 have violated my rights As a consumer and I am Requesting legal action to have this removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
State: MD
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:
I am exercising my right under the Fair Credit Reporting Act, 15 USC 168a2 to request information regarding items that is listed on my consumer credit report.I have not supplied proof under the doctrine of estoppel by silence Engelhardt V Gravens Mo 281 SW 715,719 I presume that no proof of the alleged debt, in fact therefore exists. The bureaus continues to tell me they have investigated the items and they will remain and havent sent me any proof on how the items were investigated, who was the contact person or any other information Im asking for. My inaccuracies havent been throughly investigated so therefore be deleted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case.  I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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 am filing a complaint against the XXXX credit reporting agency. The case of the complaint is that the XXXX is continuing to post inaccurate accounts on my credit report. 
I stated that multiple accounts that are student loans and false credit card accounts are not my accounts, and identity theft reports from two law enforcement agencies were submitted. 

The fraudulent accounts are continuously being reported without the creditors or the XXXX  ever providing verifiable documents that the accounts were applied by me and used by me. They are accusing me of making a false statement without any shreds of evidence that I am. 

Both XXXX  and the creditors are in clear violation of FCRA.

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