BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-25
Company: EQUIFAX, INC.
State: MA
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:
Hello, I am writing in regards to an old credit card account I had with XXXX XXXX XXXX. I held a credit card with XXXX which was opened inXX/XX/XXXX, then closed in XX/XX/XXXX. This account I held in good standings and was never late on a credit card payment. 
The account was closed due having to file a chapter XXXX bankruptcy on XX/XX/XXXX. The account was closed and I received a discharge in bankruptcy on XX/XX/XXXX. 
This account was included in the chapter XXXX, and discharged along with other debt. All of my credit reports list my public record and reporting of the chapter XXXX discharge. 
I actually had asked my attorney if I could keep this card open to rebuild my credit but was told I could not, and that it had to be included, as all outstanding debt needed to be. I wanted to keep this card as I had never been late, nor ever missed a payment on this account. I only know the last four numbers of the XXXX acct were XXXX. I have done very well since my chapter XXXX and have a 100 % payment history. 
This account is still being listed in my Equifax and my XXXX credit reports. I have filed numerous disputes and have received no deletion of these reporting. They have also continued to update the accounts at last XX/XX/XXXX. They do not report anything about this account as far as my payment history which was perfect. It is listed as to just harass. I have gone to XXXX directly and the bureaus regarding this issue and nothing has been done. 
As stated this account was included in on my discharge. When you decide to file a bankruptcy it is a devastating report to your credit file in and of its own that lasts 7-10 years. This is the price you pay for what was done and is stiff enough penalty on its own however, XXXX has reported on this account as recently as XX/XX/XXXX and it is a violation of my discharge injection to report again on debt discharged in Bankruptcy. This account also because not removed from my report lists as a separate " NEGATIVE '' item, along with the bankruptcy therefore I am being penalized twice for this account. 
Can you please help me? As I stated I have disputed with the bureau and with XXXX so I am not sure how to get this error removed. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Equifax and XXXX has refused to provide proof of ownership of collections account XXXX XXXX who obtained MEDICAL records or bills from consumer XXXX XXXX. Also listing INOPERABLE addresses which now causes myself XXXX XXXX XXXX to be at a loss on obtaining credit reports and new credit. Pursuant to section Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act XXXX has either REFUSED or CAN NOT provide proof of DEBT. XXXX XXXX has provided a LEGAL lease agreement via upload on XXXX website. As the fair credit law states if not provided each CREDIT bureau is liable up to {$1000.00} per offense, they asked for response in writing which I have provided here on CFPB.com several times in past and to XXXX AND THE OTHER 2 MAJOR CREDIT BUREAUS at home addresses which are always IGNORED. Copy of my identification was already sent in the LAST round of CFPB complaints in year 2021. I will upload lease again so they can see WHERE the litigation will come from and WHERE to send the check for these major violations!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX To Whom it May Concern : Experian XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX   XXXX XXXX, XXXX  XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX BANKING XP B XX/XX/XXXX XXXX BANKING XXXX XXXX XX/XX/XXXX XXXX BANKING XXXX XXXX XX/XX/XXXX XXXX/XXXX BANKING XXXX XXXX XX/XX/XXXX XXXX/XXXX BANKING Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS 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 2021-09-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian continues to report data that is beyond the statute reporting period they are illegally re aging the date on the account to maintain it longer. I have evidence reflecting this on older reports but unable to upload to their site. 

XXXX XXXX  should have been removed back in XX/XX/2021 was updated to reflect removal status of XX/XX/2021 and now that notation has now been removed off the account description. 

Needs to be removed now.

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 2017-11-27
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I was severely overcharged with this loan, and have been told I can get the PRIVATE COLLEGE loans forgiven, since I was attending when they were forced to close. Since they closed I no longer have access to the hiring office which was why I went there in the first place. 

I have yet to get a job in this industry and I am unemployed and XXXX years old with XXXX billing me XXXX $ in loans and fees. Some classes billed two and three times. 

please let me know how I can get help. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: WESTERN UNION COMPANY, THE
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I sent {$1700.00} US Dollars which was the equivalent of {$1300.00} Euros to my daughter via Western Union and someone other than my daughter picked up the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for this product online and this is what I agreed to. XXXX XXXX XXXX # XXXX There is no annual fee and there is supposed to be a spend promo at {$500.00}. I contacted capital one on XX/XX/XXXX regarding fee and they stated its a part of the terms of the account and I was provided an address to send a letter. I also mentioned the fee of {$39.00} in comparison to a credit limit of {$300.00} seemed excessive and was told its a part of the terms of the account. 

Then on XX/XX/XXXX I contacted them to see how far away I was from the spend promo of {$500.00} and was told this did not apply to my account. As you see from this link this card should not have an annual fee. I applied online but had to call in to approve the application and did not request any changes. Their customer service is of little help and they are XXXX bent on saying I approved this fee when i did n't and this offer does n't apply and no other explanation. 

My name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX delaware XXXX phone XXXX last 4 of ssn is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
On XX/XX/19 I received a call from an individual whose son I was in a relationship with stating that XXXX XXXX from Navient contacted her stating that I put her down as a reference and he was trying to reach me. The individual was upset be the call as she is not a blood relative of mine and does not have contact with me regularly. She tried to track me down. Once she reached me she provided me the name of XXXX XXXX and stated that he gave her a call back number of XXXX. I tried contacting this number at the line just goes busy and sometimes it says the number is not in service. The individual stated that the number on her caller I.D . is XXXX. I contacted that number as well and the same thing occurred. I " XXXX '' the number and it said that it was reported as a Scam. I also believe this to be a scam as I suspect that a known company like Navient would not result to seedy collection practice such as calling random individuals and lying to them about the contents of my loan documents. To my knowledge my loan is in forbearance. This individual was very upset. XXXX XXXX lied to the individual and stated that I put her down as a reference when I in fact had not even dated her son until after law school and didn't even know her is then. She just had a XXXX XXXX and spent weeks in the hospital. She was stressed, alarmed and very upset by XXXX XXXX 's call. Lying and being deceptive in debt collection is is illegal and what about my rights to privacy. The fact that he identified himself as being from Navient, although I suspect that he was not and was just some kind of a scammer, violates my rights. This lady may not be my mother but she is someone's mother. If her pressure had dropped or spiked and she went into another XXXX XXXX just because she answered her own phone and was lied to by a scammer. What would the recourse be? She is learning to just to read, write and feed herself now. She can't even drive anymore and it should not be okay for a debt collect or " scammer '' as I believe to put her through this. She didn't want me to say anything but I think this is terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reported to Trans Union and XXXX  that XXXX XXXX incorrectly reported a missed auto loan payment on XX/XX/XXXX. This is incorrect as I traded the car in on XX/XX/XXXX and included documents proving the loan/car was no longer my personal responsibility after XXXX, XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: DISCOVER BANK
State: SC
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:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-01
Company: AES/PHEAA
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 information incorrect

Complaint:
Student loan accounts were under XXXX Forgiveness. They were forgiven after completing long process with this agency. Everything was squared away. First this agency was servicing the account when it was forgiven. 
XXXX XXXX XXXX XXXXXXXX  XXXX Installment Closed XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Installment Closed XX/XX/XXXX Then, after two years, this agency started servicing THE CLOSED FORGIVEN ACCOUNT [ XXXX XXXX XXXX ] and below is what they did to my previous XXXX   FORGIVENESS ACCOUNTS WITH XXXX XXXX XXXX XXXX  Then, I have contacted XXXX XXXX XXXX and tried to resubmit the same information that I submitted to XXXX XXXX XXXX XXXXXXXX ; however, rude customer service representative, no answer in regards of my student loan forgiveness that I was already granted by the previous servicing agency and also accounts blow-up my credit report with seperate accounts in total of 15, while in the first agency it was a simple one account.

I have did my time XXXX  and I am still in the XXXX field in XXXX and I am trying to purchase a home, but these accounts that came up last year need to be removed from my credit report as they were in the first place forgiven. XXXX XXXX XXXX   does not care about the consumers and is not aware of the accounts they are actually servicing. My accounts were closed and forgiven through my employment at XXXX XXXX XXXX XXXX from XX/XX/XXXX. 
Please review my case, I have been trying to contact this agency via mail and phone, but no response at all. 


XXXX XXXX XXXX XXXX {$2000.00} Installment Current XX/XX/XXXX XXXX XXXX XXXX XXXX {$1500.00} Installment Current XX/XX/XXXX XXXX XXXX XXXX XXXX {$13000.00} Installment Current XX/XX/XXXX XXXX XXXX  XXXX XXXX {$26000.00} Installment Current XX/XX/XXXX XXXX XXXX XXXX XXXX {$2900.00} Installment Current XX/XX/XXXX XXXX XXXX XXXX   XXXX {$5700.00} Installment Current XX/XX/XXXX XXXX XXXX   XXXX  XXXX {$5600.00} Installment Current XX/XX/XXXX XXXX XXXX XXXX XXXX {$4600.00} Installment Current XX/XX/XXXX XXXX XXXX XXXX XXXX {$3100.00} Installment Current XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My office was burglarized and several coworkers credit cards were stolen including mine. This happened at approximately XXXX on XX/XX/XXXX. I was informed of theft by coworker, when I checked my wallet, I noticed that my Bank of America personal and business credit/debit cards were missing and a XXXX XXXX credit card as well. I immediately called Bank of America to report theft and block cards from additional charges, this was approximately 2 hours after theft. While on the phone with the credit card fraud department, I was logged online to my B of A accounts to confirm fraudulent charges. When on the phone for the business account I saw only 1 fraud charge at that moment, it was a charge for {$3800.00} at XXXX XXXX   XXXX  CA. I explained that this was a fraudulent charge, and that I have never shopped at this store ever. Initially B of A provided a credit for the the charge from business account on XX/XX/XXXX. B of A then reversed the credit on XX/XX/XXXX for the amount of {$3800.00}, claiming I had made the charge. I contacted the claims department at B of A to reopen the claim and provided police report numbers and supporting information the this was a fraudulent charge. I have called back every week to get B of A to recognize that this was not a legitimate charge. Of note my B of A personal credit/debit card fraudulent charges were all returned. It seems odd that they would confirm fraud for one card and not the other. I was responsible and called immediately when I noticed the card stolen. I managed to stop further charges by acting quickly.

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 2017-11-25
Company: WELLS FARGO & COMPANY
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
To whom it may concern : On XX/XX/XXXX I went to Wells Fargo bank to get a credit line for {$5000.00}. They informed me that the annual interest rate would be between 8 to 10 % and the charges would be made based in my spending not in the total credit line. On XX/XX/XXXX I started using this credit to build my credit score, but I realized that they lied to me : the interest rate they are charging me is widely higher than they initially told me it would be, and the charges are totally unfair. My last amount payment was for {$150.00} from which only {$17.00} has been taken as capital payment, and the rest has been taken as interest ( see attachment ). Also, when I called customer service to dispute this unfair charge and present a complaint, nobody, from any department can gave any solution to my problem. They just did pass me by apartment to apartment without solution or clear information regarding my concern. Showing throughout this that they are unprofessional and dont solve the problems their services produced. 
I reported this to the Financial Consumer Protection Bureau, with case number XXXX. However, Im still waiting for a fair response and a real solution because the only answer I got from them was on XX/XX/XXXX telling me that : they are following the procedures according to the contract and that everything is fine. Gentlemen, anything is ok, I did not sign a contract under those conditions. They lied to me and made me sign a misleading contract, with a convenient yearly interest rate for them, which is of about 20.500 %, is useless, and I am not agree with. 
Overall, I respectfully request the adjust of my interest rate to the rate they initially offered me. 

Sincerely, 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 monetary relief
Consumer complaint received 2019-09-20
Company: Medical Data Systems, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am complaining because Medical Data Systems Inc is reporting derogatory information to my credit file. I have already disputed this information and it was removed from one of the bureaus. It still remains on my XXXX and XXXX credit file. The account doesn't belong to me, and I want the information deleted from both credit files immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Coinbase has my money and won't allow me to access it! These guys are crooks! They don't even have an address to contact! There was over XXXX in my account and they froze it! It won't allow me to withdraw or trade ... ALSO LOOK INTO OTHERS AS WELL! A LOT OF PEOPLE ARE HAVING THIS PROBLEM!

Company response to consumer: Closed with monetary relief