BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio recovery calls almost daily. I've counted up to XXXX times in aXX/XX/XXXXday period. They use a robo dialer so the number is constantly and ever changing so there's no way to effectively block it. They've called as late as XXXX in the XX/XX/XXXX and as early as XXXX in the XX/XX/XXXX I have documentation of this. They even called XXXXXX/XX/XXXX at XXXX and then again at XXXX the nextXX/XX/XXXX. I'm tired of the harassment. They call on the weekends as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-13
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: Account status incorrect

Complaint:
XXXX/XXXX XXXX this account is not transferred, the account is current and have a good payment history, fix this, XXXX XXXX XXXX XXXX -- not 30 days late on XX/XX/XXXX, this is incorrect, XXXX XXXX XXXX - not 30 days late on XX/XX/XXXX, XXXX XXXX   XXXX - not 30 days late on my XXXX and XXXX credit report, Equifax not late on XX/XX/XXXX, XXXX  XXXX -- not 30 days late on XX/XX/XXXX on my XXXX and XXXX  credit report , not 30 days late on XX/XX/XXXX on Equifax, XXXX XXXX XXXX - I am an only an authorized user on this account and I have nothing to do with the late payments on XXXX and Equifax, Please remove these late payments, they are totally incorrect ... This is why I am filing this complaint, step up CFPB and reverse the late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: JPMORGAN CHASE & CO.
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 is related to the transactions charged to my account via debit card charges on XX/XX/2019. I had made a few debit card purchases in XXXX using my Chase debit card. On receiving my statement, I see multiple of these transactions and all of these transactions are showing this to be an ATM withdrawal from an ATM address in XXXX with the withdrawal being in XXXX currency ( Rupiah  ). I have never visited XXXX so I could not have withdrawn amount in XXXX currency. Moreover, I have enough evidence to show that I was in XXXX  on and around XX/XX/2019. This seems to be a incorrect or fraudulent transaction caused by Chase Bank or their associate bank operating in XXXX. I am not able to take this up with Chase Bank as they claim that their investigation with the ATM provider shows this to be a valid charge though I have evidence to show that I was in possession of my debit card and present in XXXX  at that time.

Further to this, the account has been forcibly closed without my consent with the reason provided as too many transaction where I have clearly mentioned that these transactions are unauthorized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-13
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Navient has submitted a 90 day late payment to the credit reporting agencies. Currently, I am almost 120 days late but the only option Ive been given is to pay {$1600.00} to become current. I do not have {$1600.00} and I dont have the ridiculous amount of money that they are asking me to pay every month. They are no longer giving me any options for forbearance, as I have exhausted that option. They continue to add interest to the principle and I currently owe 5 times more than they loan I took out. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I was offered a consolidation of my federal student loans buy sallie Mae over ten years ago. That loan is now with Navient. I was not informed that it would become a private loan. I was struggling as a  single parent and have many health problems. I am now laid off due to coronavirus and because this huge loan is now PRIVATE the forbearance of payments and interest until XX/XX/XXXX is not applicable. Over the years I was talked into taking forbearances by Navient because I couldn't afford the monthly payments. My loan has gotten higher and higher. I am XXXX and these loans are from almost 20 years ago. They claim to have forgiveness programs but that is not what they are. They are rigid and lengthy and you really end up paying everything back and a lot more. I was young, naive and on my own. Had I known better I never would have gone to college. I will likely be dead before this loan is payed off. They should not be entitled to use the word FORGIVENESS because it is a euphemism for " we will take everything you have until you are done. '' This has become the centerpiece of my life. I feel hopeless along with millions of other borrowers. I have worked like a dog my whole and pay taxes on the necessities of life and then get taxed on my income to buy those necessities. If any REAL forgiveness is ever established by the government I am screwed because I was railroaded into a PRIVATE consolidation. What they did was deliberately deceiving and the should be held accountable. I may now have to file for bankruptcy in the hopes that I can enjoy the rest of my few good years left.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 recently sent multiple letters regarding the inaccurate information I found on my credit report. It was more than 45 days since but I did not receive any response or results.

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 2018-07-26
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
Account was initially locked then suspended. It has been over a month but my USD funds are locked in the Coinbase system without a method for withdraw. Multiple emails and phone calls have been made, but there has been no action for resolution or even talks of how the issue will be resolved. 
- All phone calls have ended with " a specialist with reach out to you '' all emails have been canned answers " Unfortunately are unable to elaborate on our internal decision process. '' - There has been no response made via XXXX - No response from mods via XXXX - All agents ignore the issue at hand that the company is locking my personal funds on their system without any means of withdraw.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: EQUIFAX, INC.
State: GA
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 canceling credit monitoring or identify theft protection service

Complaint:
In 2017 I started using equifax credit monitoring service to monitor my credit and something happen because my information was stolen. I have several people in Texas open account under my name and are using my information to find employment. I never experience this until I use equifax monitoring service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On XX/XX/2022 I sent a certified letter to transunion because I was concerned about unverifiable accounts on my credit report. On XX/XX/2022 transunion sent me a letter that clearly shows they are choosing to not verify my request, they are accusing me of using a third party or credit agency and I feel that this is a violation of my consumer rights. 

I am requesting that you make Transunion follow the rules and investigate my disputes.

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 2017-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Capitol One has done an inquire on my credit report every month with you me knowing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: DISCOVER BANK
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX XXXX Dear Discover Card Im losing patience here because I have to keep writing you guys about this inaccurate charge-off and you guys keep coming back saying the is accurate. I need you to stop lying to me and to the CFPB stating that its accurate on the previous complaint and hes the compliant number # XXXX. Please look what Discover responded they confirm that this account is accurate. 

Creditor : Discover Card, Account number : XXXX Inaccurate information such as - Account Type on all three credit bureaus. 
- Terms on all three credit bureaus. 
- Comments on all three credit bureaus. 
- Payment History on all three credit bureaus. 
- Last Payment is in XXXX and why on my Payment history is show that XX/XX/XXXX has a on time Payment. 

I did everything you told me to do. So why is it still reporting on my credit report? Why did I get another letter stating that it was verified? How is that possible, when the other two credit bureaus did the same investigation and the item Can you tell me what data you are using to verify this charge-off account? Because the other two credit bureaus are reaching out to the same creditor to investigate this charge-off account? Im not a complainer but I feel that your company is not looking out for my best interest so Im getting ready to filed complaints with the FTC, XXXX, and Attorney General 's offices in my state and your state and Consumer Financial Protection bureaus, because you have failed to fix the problem. Please re-investigate the account below as I have provided you with new information. 


Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: SUNTRUST BANKS, INC.
State: NC
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: Card was charged for something you did not purchase with the card

Complaint:
I have SunTrust Credit Card /Master Card number ending XXXX. 
In the Month of XX/XX/XXXX Statement I have seen charges by XXXX XXXX XXXX XXXX for {$720.00} on from XX/XX/18 ( and later another charge from same company for {$28.00} on XX/XX/XXXX ) hence contacted SunTrust customer service to report fraudulent activity on XX/XX/XXXX. I have received letter from SunTrust on XX/XX/XXXX stating case No XXXX and advised that charges will be removed from my account. Subsequently I have received letter which was mailed on XX/XX/XXXX stating that there investigation indicated that I have participated and or received benefits hence claim denied and charges reinstated on my account. 
I have called and spoke to Fraud Assistance center again on XX/XX/XXXX and asked them to share documents which they have received from XXXX which indicates that I have received services but till date I have not received any information from SunTrust. 

Mean time I was able to contact XXXX and was told by them that it was not me but some one with similar first and last name received services from XXXX ( based upon XXXX preferred number and driving license / email / phone number ) but they can not do any thing as case has been disputed with bank. 

I have visited SunTrust local branch on XX/XX/XXXX and submitted further documentary evidence to prove that I was in another town interviewing for my job and rented car from another car rental company including my hotel / flight reservations details and other documents to prove that this was not me who rented car from XXXX and it is a fraudulent activity hence I should not be liable for any charges as per card issuing agreement with zero fraudulent liability. 

Since I have not heard any thing from SunTrust back, called again there Fraud Assistance center on XX/XX/XXXX around XXXX XXXX and spoke to agent XXXX who re-escalated my claim and asked to call back in 24-48 hrs. She also told that some one from SunTrust will contact me regarding this soon. 
There was no call from bank hence I have called again Fraud Assistance center of SunTrust bank and spoke to XXXX around XXXX XXXX   on XX/XX/XXXX but she told me that case has been closed on XX/XX/XXXX and denied.

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 2020-07-11
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020, I established a settlement amount with Midland Credit Management to pay off my debt for a lower balance of {$1900.00}. This settled and closed my debt. Today on XX/XX/2020, I received lawsuit papers at my old address stating that they were suing me due to not paying the debt. However this paper was dated on XX/XX/2020. 

I have both bank statements, proof of closed debt account on their website and a new settlement amount confirmation sent by Midland Company. 

I am unsure what to do about the lawsuit, I dont want to pay for a lawyer to defend a debt that is already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: TRANSWORLD SYSTEMS INC
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Said company is Transworld. 
They call repeatedly-daily even after being told to STOP!!!!! They called me last night from a new number at XXXX central time. 
( XXXX ) XXXX XXXX ) XXXX These two numbers. And if I block them they call from a new number. 
I dont owe them I owe the original creditor, who wrote said debt off. I have told them to mail notices-they do that WEEKLY!!! So whether its via phone or by mail they HARRASS by repeating!! 
I just got an explanation of benefits from my insurance and it appears that I also owe less than what they are trying to collect on. 
They have been harassing me for weeks. I answered the phone one time in the last ten days and when I started talking they were wadding up paper of some kind and acting like they couldnt hear me. 
Again it needs to STOP! 
If I had {$200.00} to pay XXXX XXXX XXXX I would I sure as heck aint gon na pay transworld. Ill pay XXXX directly!!!! 
Make them stop!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Experian Information Solutions 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:
It is my second letter about my credit report which is very serious. Please make sure it is not being ignored like my previous letter I sent on XXXX. I noticed various reports on my credit file which are very serious and due to inaccurate information about me on the credit file it is costing me a lot of money, wrong information causing me paying high interests or even getting refused if I want to finance anything. I believe my identity has been stolen and being used for fraud. 
It's really upsetting and I am a victim of mentally stress and financial stress. At least 60 days passed and they have not come back to me, if this letter continues being ignored. I will take further action and write to the XXXX  head office to file a complaint. Moreover, if it is necessary I will take them to court to sue them.

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 2017-08-07
Company: John C. Heath, Attorney at Law, PLLC
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: Account status incorrect

Complaint:
For the past 3 months I have received the WORST customer service ever from any financial institution that I have delt with. Dealing with XXXX XXXX XXXX from X/XX/17-XX/XX/2017. I was giving misleading information. Her customer service to me was tasteless, classless and very disgusting! Ive sent her over 10 emails not one Time has she replied back to my emails. She had me pulling information that wasnt apart of the issue I was having. I felt racially descrimated when I met with her in person and after that we spoke on the phone several times. I was rudely cut off and her tone wasnt pleasant. I dont understand how someone with such a high position in a bank lack basic customer service skills. I was treated as if I was a criminal!! I will be taking legal matters. Anyone who banks with XXXX XXXX XXXX XXXX should leave before this happens to you! UNACCEPTABLE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My mother is trying to get my Credit Reports online. She has a XXXX  computer XXXX XXXX XXXX and she used XXXX XXXX. All XXXX  credit reporting agencies stated can not get this online right now! I live a house with XXXX room mates and do not want this sent by mail for that reason. How can all XXXX agencies claim UNAVAILABLE at the exact same time, unless they do n't work with XXXX computers, which would be discriminatory.
Because of XXXX XXXX from a XXXX XXXX, off on XXXX since XXXX XXXX, 2017 ( which had stopped twice so far ) she thinks it a good idea to keep an eye on my credit reports.
HOW CAN I?
Can you PLEASE make these tax payor agencies serve EVERYONE in a manner that is best protecting THEIR identity?
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: EQUIFAX, INC.
State: NJ
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 items in mention that are reporting on my credit report do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
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:
Remove account which never belong to me and was opened like a fraud. I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

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