BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-29
Company: EQUIFAX, INC.
State: MI
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:
As I gathered my annual credit report I noticed that there were a few of my hard inquiries that fell off but were reinstated and i never received a 5 day notice ( which is a FCRA violation ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: CREDIT ACCEPTANCE CORPORATION
State: CO
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: Investigation took more than 30 days

Complaint:
Since Credit Acceptance Corporation ( CAC ) has not enabled a change in my credit report to allow for my mortgage to go thru, my best bet is to file a Chapter XXXX Bankruptcy to clear the course of action in returns to my report which will allow for a twelve month period of no lates or dings in order to go forward in our mortgage attempt. In addition, a company such as CAC has an option to move the payments which became late to the end of the contract instead of increasing the payment from {$470.00} to {$520.00}. This ploy affects my personal budget. My Bankruptcy attorney is XXXX XXXX and he will also serve as attorney for my daughter XXXX XXXX in her Chapter XXXX filing, she as owner of the XXXX XXXX XXXXXXXX XXXX, and me as her co-signer..

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 2021-08-16
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
i opened a coinbase account because i thought the company was reliable i have receipts of me sending money into my coinbase account i sent several hundred dollars into the account so there is money in there but im not getting access to it coinbase has pretty much taken my money and will not give it back the username of my account is XXXX and i funded the account from the bank account in America its ACH so i can see when i put the money in

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-16
Company: Instarem PTE Limited
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/2021, I received this email from them : " Please be informed that a business decision has been made and your account has been closed due to our internal policies. Unfortunately, due to our privacy policy we will not be able to provide you any more detailed information. '' They took all of my personal information and private business information as an application and then denied without reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
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:
Multiple credit inquiries on the report that were not authorized XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2018-06-26
Company: Professional Debt Mediation, Inc.
State: FL
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 reached out the the company letting them know about the fraudulent account and about my identity theft he then asked questions due to validation of what he had did not match any of my information I am unaware and not reliable for the account in reference to an account none to 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 2021-08-16
Company: AFNI INC.
State: NY
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:
Therea re 2 fraud collections on my credit : They are : AFNI and XXXX  XXXX  I didnt open these accounts ... I didnt use these accounts and I am not liable for these accounts. 
Please remove these accounts from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Greetings, My loan servicer is XXXX XXXX and they have been insufficiently responsive to inquiries I've made. 

First, I asked for them to provide a copy of an official letter updating me on the number of qualifying payments I've made towards PSLF. They told me originally that my most recent ECF I had submitted was approved on XX/XX/XXXX and that it would only take a few weeks to get back to me on the updated number of qualifying payments. I haven't heard anything since even though I've followed up with them. 

Secondly, I've asked for them to re-review payments I had made back in XX/XX/XXXX-XX/XX/XXXX ( made during a transition from IBR REPAYE ) to see if  they could be counted towards PSLF due to the " Consolidated Appropriations Act, XXXX provided limited, additional conditions under which you may become eligible for loan forgiveness if some or all of the payments you made on your XXXX XXXX XXXX XXXX XXXX XXXX ( Direct Loan ) Program loans were under a non-qualifying repayment plan for Public Service Loan Forgiveness ( PSLF ). The U.S. Department of Education ( ED ) is referring to this reconsideration as the Temporary Expanded Public Service Loan Forgiveness ( TEPSLF ) opportunity. '' However, they've continued to tell me that this is under re-review and has been ongoing since XX/XX/XXXX per my records, which to me is an unreasonable amount of time. I want an answer to this. 

Thank you. 

-- XXXX XXXX XXXX P : XXXX E : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have not received my confirmation on how you verified the alleged accounts in Exhibit C and therefore request that you consider this final notice to your offices. Past this point the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of me trying to rectify the subterfuge you are reporting. ****(copied from the affidavit attached)*****

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I contacted XXXX regarding two accounts only Equifax report. They are 2 accounts that are not included in Bankruptcy. XXXX assured me that they would correct the problem. The credit report was corrected and then updated again to an Incorrect status. This has happened twice. When I call Equifax, I am advised that I should contact XXXX. When I contact XXXX, I am advised to contact Equifax. I have the documentation from XXXX showing that the accounts should not be in bankruptcy.. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
THE 3 CREDIT BUREAUS AND XXXX ARE NOT REMOVING THE LATES FROM MY CREDIT REPORT. THE MOTOR BIKE WAS A TOTAL LOSS THE INSURANCE PAID THE ACCOUNT AND I ALSO MAILED A PAYMENT IN. I HAVE PROOF BELOW.

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 2018-02-11
Company: Experian Information Solutions 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:
The inquiry listed below has also been in dispute for unauthorization of pulling my credit reports. I have been disputing it for over three months. I have disputed with the credit bureaus along with the company that inquired. During this period, I have yet to get a response in the mail from the company who made the dispute. I have sent certified letters with return receipts proving they accepted the mail. Again, they have yet to respond with written or oral proof of my authorization. I have enclosed copies of documents of mail receipts and letters I have sent to this credit bureaus. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX, XXXX, Inquiry Date XX/XX/17 The listed unverified inquiry hasnt been proven valid. This business can not provide an original signed agreement or oral recording of my consent giving authorization for them to pull my credit report. Please delete the inquiry from my credit reports immediately. I am tired of fighting this dispute on my Experian credit report.

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 2022-08-09
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone in XXXX XXXXXXXX XXXX  tried to open a chime account in my name using my SS #. They had at least the last four digits of my social security number and my email. They had my full name also. I closed the account bc I received an email that the debit card was on its way. Below is the address they had the card shipped to. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
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: Old information reappears or never goes away

Complaint:
I had 9 accounts that were negative and became late in early to XX/XX/2011. As they became 7 years old for the first delinquency, they began to be removed from my file. Now I have 3 that are now over 7 years old but they continue to keep them on my file. 
One agency debates that 7 years from the first delinquency is even the standard event though they normally do so as policy internally. These agencies do not even report the credit detail for 7 years but cut off a few months before 7 years. It appears they do not take seriously that people like me are patiently waiting to get our credit scores up and just don't care. I have reports that  XXXX sent to me showing accounts delinquent in the history, and then 2 months later, when I update the report, those details are removed and they only reports 6 years and 10 months of history. It is as if they intentionally want to keep the file on the report. Equifax has a line on their front page summary of the report with a line stating " date of first delinquency '', however, they rarely have an entry in that line. All 3 agencies, XXXX, Equifax and XXXX, focus on negative information but not on insuring that they remove the accounts as prescribed by the Fair Credit Reporting Act. They have no accountability and I personally have been waiting 7 years to refinance my home, and now am having to try to get them to report accurately. They can have very detrimental affect on people and just don't care. I have even had documents with detailed annual payment info from a mortgage company who clearly said it should not be reported at this date, yet the dispute comes back saying it is reported accurately. I hope you can get this corrected. In my opinion, if the " date of first delinquency line '' is not filed, the reporting is inaccurate and should be removed. I am paying much higher interest rates than I should be due to bad reporting from the agencies. I am sure I am not the only person dealing with this but most people don't know how to appeal or even who to appeal to. 
We all thank you if you can affect change.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I'm.going thru hardship on my bills. My mom passed away few months ago. Was her caregiver good son. Im.hoping too get this months payment waived. I've always been on time. Just need a break. Going thru alot. Not easy

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 2019-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
The issue was not resolved! I have looked at my XXXX XXXX report and the issue still remains! The XXXX mortgage account is showing " NEED ATTENTION '' as if the account is still open. All of the closed account under bankruptcy is showing for the ACCOUNT STATUS " DEROGATORY '' as if the account needs attention. Once bankruptcy is filed there should not be any other derogatory comment. The ACCOUNT STATUS should say CLOSED on all the accounts under bankruptcy not DEROGATORY! That is the LAW!!!! 
I am not going to go back and forth with TransUnion!

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 2018-04-20
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I took out federal loans in order to earn my XXXX  ' degree. Navient wanted me to pay {$350.00} per month, after graduation. I paid this for about a year. I then had my student loans restructured. XXXX now charges me {$99.00} per month, and after two years, Navient has begun sending bills again. XXXX did not contact me after recalculating an income based payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: The CMI Group, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The bill was paid in full and appropriate credits were given due to constant outages of service for the cable.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Select Portfolio Servicing has committed fraud in state and federal courts and the Commissioner of Financial Regulation a state of Maryland agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: EQUIFAX, INC.
State: NY
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 have been a victim of identity theft. I have requested unauthorized items to be removed from my credit report. I have submitted a copy of a notoarized FTC Report also a copy of my id and ss card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: SC
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:
Equifax are furnishing inaccurate information on my credit report Ive never gave my consent to any of this information that is reported due to 15 USC 1681i A Equifax did a investigation on the information & still havent deleted the information that not my accurate information The 3 names reporting on my Equifax report is inaccurate & must be deleted Address are reporting to my account where I have never lived XXXX XXXX XXXX XXXX loan the account is inaccurate & missing information that its paid in full XX/XX/202XXXX XXXX XXXX XXXXXXXX XXXX is a account that should be deleted I never gave my consent to this information or this account at all If the information is inaccurate I demand that Equifax deleted the inaccurate information from my account thats discrimination

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: Navient Solutions, LLC.
State: DC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On a regular ( at minimum 2 times a year, realistically, quarterly ) Navient " accidentally '' applies all, or a portion of my loan repayment for my private loans ( high interest rate ) to my federal loans ( far lower interest rate ). Then, they apply a late fee, send collection letters and remove my participation in loan repayment incentive programs ( ie minor interest reduction for timely payment ). This has been increasing in frequency in the last 2 years. 

I have modified how my bank processes these payments to ensure that the account numbers reflected in my bill pay match those in my Navient statements for both types of loans. Yet, the problem continues. When I call Navient, they insist that I need to change my bank information. That is clearly not the issue. 

When I push back, they end up tossing me back and forth between the private loan servicing side, and the federal loan servicing sides of customer service- insisting neither can fully fix the issue. I typically have to point out I have already spoken to the other side of the company at least 2 times before the person trying to transfer me " looks one more time '' and is able to fix the problem. 

At this point, there is no way this is a fluke. It is persistent and nearly impossible to fix in any lasting or meaningful way- and the only solution Navient provides is that I sign up for their auto-debit. I do not trust them enough to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have my mortgage with Wells Fargo Bank. I believe that they are shifting me on my interest paid and principal applied towards my loan. According to the amortization table that they gave me for XX/XX/XXXX interest paid should be {$710.00} and principal should be {$360.00} but the bank charged me  interest of {$820.00} principal applied of {$250.00}. This has been going on for a while.

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 2019-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are several accounts reporting on my credit file that does not belong to me. The following account is reporting on my credit reports as a result of identity theft : Addresses : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Fraud Accounts : XXXX XXXX - Opened XX/XX/XXXX ( Transunion ) XXXX XXXX - Opened XX/XX/XXXX ( XXXX, XXXX, and Transunion ) XXXX XXXX - Opened XX/XX/XXXX ( Transunion and XXXX  ) XXXX XXXX - Opened XX/XX/XXXX ( Transunion ) XXXX XXXX - Opened XX/XX/XXXX ( Transunion )

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 2021-08-16
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 have visited XXXX of XXXX XXXX on XX/XX/2021 to shop for used cars. After I looked at a particular car, I was speaking with the sales agent about the final price. As part of the quotation, the dealer took all personal details from me including SSN. When the sales person requested my authorization to pull the credit report, I have straight away denied it and did not authorize a credit pull. Later after reaching home, I see a hard pull on my credit report from XXXX of XXXX XXXX which I have not authorized. I spoke with the manager at the dealership, who was falsely claiming that I gave authorization just by giving my personal details. More importantly, I suspect fraudulent activity as this was an unauthorized credit inquiry. 

Dealership : XXXX of XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL 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