BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-06
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 belongs to someone else

Complaint:
However I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts.

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 2023-12-15
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My loan was with XXXX XXXX. XXXX XXXX sold the student loan to first mark services. XXXX XXXX didn't give me a chance to buy the loan, they just informed me they sold it to someone else and that's where payments will need to go. So firstmark services has been compliant providing me with documents claiming my total due is correct. I suspect they lied because with XXXX XXXX my loan was under XXXX. But it's XXXX XXXX or higher now. I get emails from first mark services daily claiming they have options to help me, that all I have to do is reach out. When I reach out I get told all options are exhausted. I said why email me then.? They said it's a generic email. XX/XX/22i was hit in auto accident leaving me in constant pain and out of work. First mark is aware, they said if you get long term disability let us know .... But they won't give me extra time to pay they have no other options even tho each email claims they have options that can help. It's sad. Frankly I don't think it's right, I didn't cause the accident, I have done all I can to get better. I'm not married... It's been hard to make ends meet. I'm so surprised that there are such few options and what is worse is the fact that I never choose these people as my loan vendors... they just landed in my email one day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Have file numerous disputes that they never answer or completely ignore. i have ask for these to be remove because they are not reporting correctly. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX They verify even though they are not correct at all? 
then i do not get responses i ask to remove because of no response at all by law they are to remove them right away at this point pretty simple by the law no response at all over 60 days????

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Experian Information Solutions Inc.
State: AZ
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 spoke with XXXX at Experian on XX/XX/XXXX about the unauthorized accounts that appears on my credit report I request the following accounts to be delete and removed off my Experian credit report : XXXX XXXX  open date XX/XX/XXXX amount {$540.00} account # XXXX, XXXX XXXX XXXX open date XX/XX/XXXX amount {$13000.00} account # XXXX, Dept Of ED/XXXX open XX/XX/XXXX amount {$3500.00} account # XXXX, Dept Of ED/XXXX open XX/XX/XXXX amount {$5600.00} account # XXXX reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.

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 2018-03-02
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Good day, My situation stands as such. I invest heavily in cryptocurrencies through an exchange called XXXX, owned by a U.S. based company called Coinbase, located in XXXX XXXX California. In early XX/XX/XXXX, Coinbase froze my investment account with all of my funds still in it. They did not offer a reason nor contact me in any way regarding this issue. When I attempted to log into my account I was told to contact Coinbase customer support. I immediately did so and was told that my account was frozen " pending review from a specialist ''. 

It has now been over 30 days since my account has been locked. I am unable to trade, I have no way of knowing if my funds are, in fact, still in my account and despite having called and emailed Coinbase on several occasion I have been given no time frame and still no reason why my account was frozen to begin with. Their answers have been incredibly generic and always basically repeats the same message, that a specialist is reviewing my account and I will be contacted when they have completed their review. 

My goal in filing this complaint is twofold. First, I'm looking to have Coinbase give me back my account ( which I will promptly close, transferring my funds to a safer exchange ), and second I would like to know if what they did was legal. Is it legal for a trading platform to hold a person 's capital for over 30 days without giving any clear reason as to why? 

thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
2 years ago, I had two checks cashed with my checkings account card where my pin was used. When I found out I had lost my card that same day, I immediately called Bank of America to report lost card. However, I saw to checks cashed in my account the next day. When I claimed this as fraud, Bank of America denied my request due to the fact my pin was used inside a branch. However, I was in school all day, I have never been to the branch. I called and begged for them to CHECK THEIR CAMERAS, however no further action was taken. I was only XXXX XXXX XXXX and did not know I was suppose to file a police report with the incident. They started to take money from my checkin account to make up for the thousands of dollars that were cashed by another person. Till this day, they stall me on the phone and I can not get any help from anyone.

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 2019-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an account online which was supposed to give me a bonus of {$100.00} in XX/XX/2019 after I met their requirements. I met their requirements in XXXX and they said they would send me a check because some how the online code didnt work and it would be about 30 days and gave me a reference # XXXX. So around XX/XX/XXXX I called back and they had me on the phone for over an hour trying to figure it out and couldnt find the reference #. They again gave me a new reference # XXXX and said it would be expedited so I should have something within 2 weeks. Still nothing. Called back on XX/XX/XXXX and was on the phone for a half hour while they tried figuring it out again. Told me it wasnt ready yet and in review. Then I received a call on XX/XX/XXXX and they said it's still in review and they will call me when they have a decision. It shouldnt be in review I met all their requirements and have 2 reference # s from them saying they were gon na send it out.

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 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-06-02
Company: EQUIFAX, INC.
State: IL
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:
I have filed a dispute with all three Credit Bureaus on three different occasions which were all through letters mailed out to them on XX/XX/21, XX/XX/21, and XX/XX/21. These disputes were on an inaccurate late payment that was reported on a Real Estate mortgage that was ultimately paid off. Also I disputed a slue of inquiries that weren't authorized by me. I have yet to hear anything about the results of these disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
During numerous mortgage modification attempts we were denied approval. However, after many attempts on one occasion when we were finally approved the terms ( interest rate / added funds ) in the modification documents were different than what we were told by a Wells Fargo Home Mortgage specialist. Additionally the amounts added to our outstanding mortgage balance were never disclosed in the modification documents.

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 2022-06-18
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a loan account under an open end consumer credit plan as late for any 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 2018-10-30
Company: Mobiloans, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I am in the XXXX and there is a set APR we can not go over. I am being charged XXXX in APR fees.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-04
Company: Velocity Portfolio Group
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
It has come to my attention that you have placed a derogatory remark on my credit bureau files pursuant to my having paid you what you claimed I owed you. 

When I paid you, I relied upon the belief that you would do the honorable thing and remove your nasty and derogatory comments from my credit bureau files, which you not only failed to do but changed my listing to paid collection, which is a far worse rating in the eyes of any potential future creditors. 

In doing so, you failed to realize that the Doctrine of Estoppel directly applies to this type of situation and is cause and more than sufficient grounds for my pending lawsuit against you for punitive damages in whatever amount a jury might deem appropriate for your violation of the estoppel doctrine of law. 

Here is what the Doctrine of Estoppel is and how it applies to your violations of it. For the doctrine of estoppel to apply, the party of the first part ( you, the collector ) must make some statement or engage in some conduct upon which I have relied and acted upon which later proved to be to my detriment or prejudice. 

In your communications with me, you told me that you would update my credit reports as soon as I had paid the debt to you. Naturally, I assumed and relied upon your statement to mean that you would mark the account as " paid as agreed '' or possibly remove it entirely. 

I agreed to pay the debt and did ; after that, you worsened my credit scores.

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have filed multiple complaints before with wells fargo and the overdraft fees. From XXXX wells fargo was rejecting payments to charge my account the max of overdraft charges allowed per day. This was a reoccurring issue that I have complained about.

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 2018-10-30
Company: Nelnet, Inc.
State: OH
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
According to XXXX XXXX. Goodbye letter attached to complaint XXXX, XXXX was servicing the loan and reporting to credit bureaus on behalf of XXXX from XX/XX/XXXX - XX/XX/XXXX. 

XXXX also mentions I would receive a new account number from XXXX  XXXX in the Welcome letter. 

For 2 years, I have not been able to pay the student loan. XXXX has not had my account as XXXX claims. This loan has consistently reported unpaid every month without my ability to pay XXXX or XXXX. 

XXXX, PLEASE PROVIDE THE WELCOME LETTER AND NEW ACCOUNT NUMBER FROM XXXX THAT XXXX SAID YOU WOULD SEND. ( See Goodbye letter from XXXX attached ) THIS WILL HELP ME TO SEE HOW THE CREDIT BUREAUS RECEIVED DEROGATORY INFORMATION MONTHLY FROM XXXX UNTIL NOW. 

XXXX, provide a statement or account history of my account that you serviced from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: EQUIFAX, INC.
State: TN
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 a victim of identity theft the information which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. Equifax deleted the account and then placed it back on my credit after it was sold a transferred to a new entity. Equifax has failed to remove block and deleted information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the 605b, 609, 611 ( a ) ( 5 ) ( B ) and are outright refusing to uphold the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-02
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have contacted paypal executive office multiple times and filled XXXX  complaints against paypal. paypal is holding my money and not allowing me to login to my paypal account. Paypal has replied stating that they see I can login to my Paypal account without a problem. This is completely not true. I keep receiving the message, " for security reasons you will need to reset your password. '' Paypal is purposely ignoring me and not helping me. This is criminal action for Paypal to play games like this and prevent me from being able to login to my account to withdraw my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07
Company: Foris DAX, 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:
Crypto.Com has made it extremely difficult for me to withdraw my money over {$2000.00} for 2nd time. First time they made the information available to withdraw but it took so long I decided just keep the money there and reinvest after six months since I had financial hardship to pay my mortgage was anxious to withdraw. They never ask for F2A code to deposit money but now to withdraw the make it a requirement I been using their services for last 5 years but now they asked me to sign up again and use a new password word to reset my F2A code the catch is I cant have access to my funds for 24 hours. Now is 48 hours still not ready and is now 4 days since after I sold my coins and even then I attempted to sell half of my coins they sold it all I am really in desperate need of money and I am being played with since XXXX XXXX i been waiting on their help support still no response this is causing me XXXX and it seems they dont understand even after I reminded them how much this money Means to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681 XXXX  Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602A States I have a right to privacy. 15 U.S.C. 1681 Section 604A Section 2. Also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681C ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-10
Company: MoneyLion Inc.
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
MoneyLion, or XXXX who is backed by XXXX, have closed my account and suspended my withdrawals, purchases, everything, in which I receive my federal unemployment benefits, due to suspicious activity.. but cant give me a straight answer. 

I have been hung up on many times by reps who are lazy or just dont know what theyre doing. They make it near impossible to speak with a supervisor. 

It is also my understanding that an account receiving federal benefits MUST be reopened within 1 business day after receiving the funds from the depositor. And it is also illegal to freeze funds especially from federal benefits. 

These people have caused myself, and my children to go hungry because my funds are locked up tight with no key. I wasnt even notified of anything on my account. No mail, email, nothing. I will be contacting a banking attorney regarding this as well. 

It even says on my app, that I can use my debit card to make purchases and withdraw cash. Nope, when I went to the atm, it said, unauthorized activity and the other said stolen card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-01-16
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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, TransUnion is required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX : {$14000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX ; XXXX XXXX XX/XX/2022 ; If TransUnion XXXX there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If TransUnion does not provide any records & claims the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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