BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-12
Company: CASHCALL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Subject : debt Request for Cancellation of CashCall Loan, as well as for this loan to be removed from all three of my credit reports and any negative information placed by Cashcall. Account : XXXX I am writing to request the cancellation of my CashCall loan, due to violation of California Assembly Bill 539 ( AB 539 ). AB 539 enacted the Fair Access to Credit Act operative XX/XX/XXXX. The Act states that for any consumer loan with a principal amount of at least { {$2500.00} } but less than { {$10000.00} }, a finance lender may not receive charges at a rate exceeding annual simple interest of 36 % per annum. My loan with CashCall has been at 135 % for the original loan amount of { {$3100.00} }. Then was placed at 79 % which still exceeds by double the legally allowed interest rate in California. An attorney directed me to this newly enacted legislation. I have made payments that far exceed the amount that can be collected at the 36 % interest rate currently in effect in California. Current State of Payments to CashCall as of XX/XX/2020, I have made 20 total payments : 7 monthly payments of { {$350.00} } 5 payments of { {$280.00} } 3 payment of { {$200.00} } 3 payments of { {$97.00} } 1 payment of ( {$500.00} ). Total of payments = { {$5400.00} } According to an email I received from XXXX XXXX, a manager at Cashcall, I still have 43 payments at {$200.00} remaining, which totals an additional amount of {$8900.00}, even though my loan was only for 47 months. Maximum legal payments according to California AB 539 : 36 % interest rate for 48 payments. My payments have satisfied the maximum legal amount that can be collected in California for this loan. I have contacted Cashcall on several occasions to ask them to bring my loan interest rate into legal compliance with California rate of 36 %. However I have been unsuccessful. I have attached my original loan of 135 %, I have also attached my current loan of 79 %.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
My residence is in XXXX, an approved country for CoinBase users. 

I have been a CoinBase user since mid-XXXX, always satisfied with the service, transacting mostly between LTC, BTC and EUR as an amateur trader. I verified my account with passport, bank account in my name for XXXX transfers, and provided proof of residence. 

Over XXXX XXXX I visited XXXX, where I tried to access the website, not aware this was against CB 's terms of service. As a result, my account was locked and I was asked to provide extra materials to confirm my residency was not in XXXX. I complied, providing copy of passports, proof of residence with bank statements, even including a confirmation of my hotel in XXXX. 

It has been almost over 2 months since I've had access to my account and funds. I have since been in touch with their customer service reps, who were very friendly and escalated my case 'to the highest priority level ', but nothing has happened to resolve the issue. All I get is automated responses via email. 

I have in excess of USD XXXX, - in my account and want to regain access to my funds. CoinBase is not responding to my efforts to resolve the issue, I've offered all the documentation they asked for and more, and I've been emailing and calling. My account is still restricted and there is no outlook for any resolution. All I can do is call, get the same response, and I'm discouraged from making new tickets to call attention to my funds being held hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2020 COMENITY BANK/ NEW YORK & COMPANY sent me a correspondence stating that I still owe a debt ignoring the cease and desist in which is in direct violation of 15 USC 1692c ( c ). COMENITY BANK continued to use obscene and profane language in which in the last company response they denied it. According to 15 USC 1692d ( 2 ) obscene and profane language is whats offensive to the consumer, this puts them in direct violation. On XX/XX/2020 I, the consumer XXXX XXXX sent Comenity bank a cease and desist, an Affidavit of Truth and an invoice. I also received statements of a consumer credit transactions in which involves a finance charge and is the sum of all charges according to 15 USC 1605. COMENITY BANK continued to report my information to the credit reporting agencies, again which is a violation without my written consent and not given the opportunity to opt out, according to 15 USC 6802 ( b ) ( 1 ) ( B ) COMENITY BANK are in direct violation. Without written consent is identity theft. I am the consumer and I have the right to refuse to pay this debt according to 15 USC 1692a ( 6 ). Reporting false information causes COMENITY BANK to be in direct violation of 15 usc 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I called XXXX XXXX XXXX XXXX around XX/XX/2017. to purchase a set of earrings. The total was around. {$40.00} The operator stated Apply for a XXXX card we will take {$10.00} off of the purchase. 
No application ever arrived, I made my payments on flex-pay. Months later I started getting e mails  from " XXXX '' stating I owed {$12.00}. ( do not respond to these emails is indicated ) Some time after my third contact explaining that I have no XXXX  Charge card, and never did business with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX -- Billing issues XXXX. 
I applied for a loan at my credit union, I was turned down because this has now made it to my credit bureau. I also lost a job and many other damages resulted. 
They increased the fake indebtedness to {$220.00} ( from {$12.00} ) XXXX representatie said ( he'd pay them whatever they want.. ) That alone must be usery. I was never offered an application, let alone terms and conditions, before or after the fake loan was published. I agreed to nothing written or otherwise. 
The next attempt to reason with them resulted in the representative from XXXX tried to make sense with his bank, stating I will pay the {$12.00} .... Too little and too late. She now demands {$26.00}. At that time this was removed from my credit bureau, XXXX paid their bill. They still insist an account exists!!!. MY damages still need to be compensated. Life is short. Time is all we have in this world and to steal my freedom and push me into a ward of the government. Dependent on the state is more than wreckless. 

I am certain they do this to tens of thousands of people. If you took a vote, and asked everyhone who has gotten an XXXX CARD what happened, you'd be in for one of the biggest scams ongoing in America. 

XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone stole my identity and opened many accounts without my permission or authority.

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 2022-10-04
Company: Experian Information Solutions Inc.
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
all 3 bureaus have reported a MEDICAL DEBT on my reports, my score dropped dramatically

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 2021-06-30
Company: ENCORE CAPITAL GROUP INC.
State: CA
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 a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
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 a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Currently, I am making a formal complaint against XXXX XXXX from Rocket Mortgage. He was disinterest in what I had to say, fail to give me any paperwork for home equity loan, and he had poor communication skills. Personally, we had several personality clashes and felt like there's some ageism on his part as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: Risecredit, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I applied and was declined for a loan - which wasn't a surprise. After being declined, I called customer service and asked for my account, including my banking information, to be closed/deleted from their files. I was told by the day manager XXXX that it was ILLEGAL for them to cancel my account. That is absurd. I do not owe them any payments - there is no reason for them to retain my bank account information. XXXX also told me they will be keeping my information for 25 months. When I said ok, you can't close my account can you please just remove my banking information, she again refused saying it was illegal for her to do so. Nowhere in the documents I saw or signed was there information saying a DECLINED account can't be canceled or that they will keep your information for 25 months. This is something that should be disclosed to consumers. I have also filed a complaint with the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

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 2018-07-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My loan was sold by XXXX and is now being serviced by XXXX XXXX and the loan number is XXXX. XXXX has been servicing my loan since XX/XX/XXXX and I have never been late and always early on my payments. I have contacted XXXX   on XX/XX/XXXX and requested that they report to all credit companies as my home loan is 60 % paid and it would have a big impact on my credit scores. I spoke to XXXX XXXX XXXX and he said he would take care of it. He said it would take a couple weeks and it would show up. On XXXX XXXX I contacted XXXX and told him that it never showed up. then on XXXX XXXX I contacted a XXXX XXXX XXXX and explained the problem and she said she would sent it out asap and it should show up in a couple of weeks. This has been going on since XX/XX/XXXXand I have no one to help me. Hope you have better luck than I have had, Thank you XXXX XXXXXXXX XXXX email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: BB&T CORPORATION
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX continues to call our business about a person who does not work here, has never worked here, we don't know who they are and calls repeatedly

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 2018-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My loan was sold by XXXX and is now being serviced by XXXX XXXX and the loan number is XXXX. XXXX has been servicing my loan sinceXX/XX/XXXX and I have never been late and always early on my payments. I have contacted XXXX   on XX/XX/XXXX and requested that they report to all credit companies as my home loan is 60 % paid and it would have a big impact on my credit scores. I spoke to XXXX XXXX XXXX and he said he would take care of it. He said it would take a couple weeks and it would show up. On XXXX XXXX I contacted XXXX and told him that it never showed up. then on XXXX XXXX I contacted a XXXX XXXX XXXX and explained the problem and she said she would sent it out asap and it should show up in a couple of weeks. This has been going on since XX/XX/XXXX and I have no one to help me. Hope you have better luck than I have had, Thank you XXXX XXXXXXXX XXXX email : 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 2018-04-03
Company: EQUIFAX, INC.
State: LA
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 are unauthorized and they are affecting me getting credit. I have never applied for credit with these company 's. I would like to be provided proof I consented to these inquiries via FCRA section 609 and 605 a swell as the accuracy of these inquiries via FCRA section 623. If you have no proof immediately of any or one, I would like them removed immediately. 

Company Information : XXXX/XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX/XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX   XXXX/XXXX  Date of Inquiry : XX/XX/XXXX Company Information : XXXX/XXXX  Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX/XXXX  Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This complaint is about First National Bank of Pennsylvania. My elderly Mother has had her checking account scammed two times within 6 months. The first time was for the amount of {$380.00}. It was an ACH withdrawal from a company called XXXX XXXX. I called the bank the same day and made them aware of a possible scam. Sure enough in a day or so the bank paid the unauthorized draft after I had asked them to close her account because she was likely going to be scammed. The bank filed a dispute claim but it was never resolved. ( I am on her account so I can speak for her ). I called the fraud department several times but received no resolution. The second ACH withdrawal just took place XX/XX/2018. Once again she has been scammed out of {$380.00}. This time the companys name was XXXX. The check number was XXXX. The company listed a phone number on the ACH withdrawal that was XXXX. I again called the bank and explained what happened and was told they would file a dispute claim. I am confident that First National Bank will do nothing just like they did the first time. I would also like to add that my Mother has not received any products from either withdrawal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, INC.
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
all 3 bureaus have reported a MEDICAL DEBT on my reports, my score dropped dramatically

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Equifax Public Records has not provided me proof of my : Name, Address, Social Security Number, Date of Birth attach to the Liens filed under Public Record Information on my credit file from the source that they gather the information as well as the correct of information as well as proof to show my Name, Social Security Number, Date of Birth, Address that has to show it belongs to me an is correct. 

Equifax has yet to provide any Documented proof of these liens from the source documented proof. I have also spoken to an attorney and my next action is to file suit on Equifax for incorrect information wrong amounts and other various information gather or reported wrong. Equifax no they can't give me the information I have requested by law because as my attorney told me that's not on Public information in the state of California by privacy laws of public records. 

I'm tired of Equifax responding to things with no documented proof and every one no Equifax is not a reputable company for actions of breach consumers information being exposed as well as to unfair credit practice on consumers as well as created information in various forms on consumers credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I previously instructed USAA to discontinue communications with me in all shape, manner and/or form.Recently USAA representatives have begun contacting me regarding information I sent to the CEO 's Office. I have not communicated and/or forwarded information to the CEO 's office since I instructed USAA to cease and desist. They in turn have begun calling and sending emails and USAA Message notices. This is in strict violation of the cease and desist. Additionally, USAA sold the alleged credti card debt to the XXXX XXXX who in turn have been contacting me. Due to this transaction, USAA does not even have standing and/or an interest basis to be contacting me except to harass. I provided the XXXX XXXX an opportunity to provide me strict proof of any debt obligation related to the credit card debt they are seeking to collect but they failed to so so. As a result, I have also ordered the XXXX XXXX to cease an desist in all forms of communications. The correspondence ( s ) are attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Made a payment for {$1000.00} on XX/XX/18, and was alerted there would be a 24-72 hr hold on my payment. 
Spoke with XXXX at XXXX then account managers XXXX , and another woman told me my payment would be held for 10 days, not 3.  I repeatedly asked to speak with their immediate manager and I was on hold for over an 1 hr and a half. XXXX then answered the line and I asked why my payment was being held if monies had been withdrawn from my bank account and applied to my credit account, he refused to answer then stated he WOULD NOT furnish terms and conditions that stated my payment would be held for ten days. The recorded call ended after 1 hour and 34 minutes.

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