BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-09
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Hello, Since XX/XX/2020 Navient has reported me to as in default 43 times. I've called the company MANY and tried many times to lower my loans to an amount that I can afford but Navient refuses it. 

The matter here is that I've never taken more than 8 loans total for college and yet I've been reported 43 times in less than one month. Please help. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: Experian Information Solutions 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  XXXX  listed multiple 30/60 day late payment on my credit report from XX/XX/XXXX to XX/XX/XXXX. This information is incorrect and negatively affecting my credit report. This is reporting on Experian, XXXX and XXXX. Please remove the 30/60 day late payments from my credit reports.

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 2018-06-07
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I receive over 5 calls a day from various numbers that all go back to XXXX XXXX. They are now starting to call my place of employment multiple times a day. They have been asked to not call. They continue to call. When people to speak on the phone they are harassing and rude and scare me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
The company failed to respond within the legal allowed 45 days initially. A certified letter was sent on XX/XX/20 There should be no more conversation about this matter. You did not get back to me within the time and could not verify within that time. The accounts in question should be immediately deleted.

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 2019-06-28
Company: Credit Bureau Collection Services, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was told that I visited the XXXX XXXX XXXX in XXXX, New York, XXXX on XX/XX/XXXX and had a surgical procedure done. The fact is I never visited this medical center in XXXX as I was living in a totally different location at the time. There are a few other circumstances that go along with this billing which shows very old address information on the account. Old information that goes back to the early XXXX 's. This billing would have been paid by my insurance company at that time. However, I must point out, I have never received any billing statement from the original creditor XXXX XXXX XXXX for this amount. I feel I am being scammed and harrassed by this debt collector for a debt which I have no proof that it was a service I personally rendered. The information given to me by debt collector : CBCS, XXXX XXXX  XXXX, XXXX, OH XXXX ( XXXX ) XXXX ; does not show me what type of treatment it was for, the name of the doctor performing the treatment, the address of the hospital, a phone number to contact the hospital for verification of billing, no signature identification proof to verify that it was me, plus sending HIPAA information through the mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-29
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I deposited from my XXXX  account {$300.00} to Coinbase. Coinbase took receipt of the money on XX/XX/XXXX. I received an email confirmation from Coinbase on the XX/XX/XXXX with Deposit reference : Today is the XX/XX/XXXXand numerous calls to Coinbase yielded no meaningful contact. All I have gotten is an automated machine telling me things which does not work. I have reported the issue via their support online request form at XXXX site. I have gotten no email suggesting that ticket was created to document my submissions. I XXXX searched to see if others were have the similar complaints, fund XXXX. Also got to realized they're associated with XXXX XXXX XXXX. I called XXXX XXXX, this morning, I was told they can not see their systems, but they are behind and will get my deposit done, but no time frame given. That is not acceptable.. 



Coinbase On Saturday XX/XX/XXXX you authorized XXXX to fund your Stored Value Account with {$300.00} from your linked bank account. We have debited your linked bank account accordingly.Deposit reference : Within 2-4 business days, these funds should be available in your XXXX  balance. Coinbase does not charge a fee for this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi, Im disputing this collection claim because I never purchased anything from XXXX XXXX. They are claiming that I owe {$140.00} for a service I never purchased.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: Experian Information Solutions Inc.
State: IL
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:
ftc report numberXXXX filed police report filed for XXXX XXXX credit card account numberXXXX amount XXXX date opened XX/XX/2018 credit buearu removed then it came back

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 2019-09-13
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:
XXXX, XXXX XXXX SOC SEC # XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2019 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX   XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX  SOC SEC # XXXX ADDRESS 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 explanation
Consumer complaint received 2018-01-29
Company: SYNCHRONY FINANCIAL
State: NJ
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:
Signed up for the XXXX XXXX credit card offered by XXXX XXXX on XX/XX/XXXX, with an advertised sign up bonus of XXXX points after {$3000.00} in spend. Spend requirements were completed on XX/XX/XXXX, but XXXX/Synchrony have only posted a XXXX point bonus. This is a standard bait and switch

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 2021-11-10
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX my wife received an alert about a purchase asking if she had authorized. She immediately responded NO but got a message back that the issue had already been answered and approved. At this stage we logged into our Chase Banking account and noticed several fraudulent charges ranging from 3 withdrawals totaling {$3000.00} and a {$2400.00} transfer from our savings account. Additionally {$500.00} was transferred from out joint checking into her individual checking. Then a fraudulent purchase to XXXX XXXX for {$2600.00}. These were all tied to XXXX XXXX FL when both of us were physically in XXXX TX ( our home ), additionally neither of us had ever been to XXXX XXXX. 

All of this was reported immediately as fraud to Chase. They advised the fraud was performed with XXXX XXXX and suggested we immediately disconnect XXXX XXXX account and they were also able to disconnect her debit card from the account as well. We were informed the money would be credited back within 12 hours. After the time frame came and went with no resolution we called yet again to inquire and were apologized and told to allow 24 hours to correct. {$500.00} was credited and nothing else. Several days and several hours of calls later on Saturday XX/XX/XXXX we learned nothing had been done and the claims hadnt made their way to any sort of physical person to review yet. Another few days and between XXXX XXXX we received secure messaging that all claims were DENIED. 

In calling again to understand why these were denied we were told it was because all were made through XXXX XXXX and to dispute we needed to have documentation from XXXX XXXX someone compromised that account. Mind you this had never been told or suggested once ever before in this process. We were told that until we receive that information and send they can not review and correct. 

In further researching we have seen that there is an unauthorized sign in on XX/XX/XXXX to our chase banking account from XXXX internet which is likely when the account was compromised first. 

As it stands we have had $ XXXX stolen from us by Chase Bank and have no clue if we will get our money back. This has all happened with a cross country move scheduled in weeks and we are XXXX XXXX XXXX XXXX XXXX. Reported calls complaints and frustration with Chase has led to no results. We are following up with XXXX XXXX as well now that we finally know to but this is a horrible experience. The Customer agent I spoke to after this was all denied finally asked if we live in XXXX and were there in these dates recognizing that all the charges were from Florida and thinking that was odd. Apparently the claims and fraud department didnt think it was and was happy to DENY our dispute. 

Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
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: Reporting company used your report improperly

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

15 U.S.C 1681 Section 602 A states the right to privacy.

U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2021-11-10
Company: EQUIFAX, INC.
State: DE
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:
XXXX and XXXX are incorrectly reporting that i missed a payment in XXXX on my XXXX XXXX account XXXX. That not possible, my due date on the XXXX of XXXX and I submitted 2 payments according to their ( XXXX XXXX ) billing statement which is provided. 

Equifax is incorrectly reporting 2 fraudulent accounts ( XXXX, Opened XX/XX/XXXX Acct : XXXX XXXX XXXX, Opened XX/XX/XXXX Acct : XXXX ). I notified Equifax multiple times and was told the accounts were deleted on multiple occasions. 

These infraction are gravely harming me financially and is stopping me from advancing in life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
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: Information belongs to someone else

Complaint:
On XX/XX/2018, I rec 'd notice from Equifax to go to www.trustedid.com and review credit report. I noticed under " Associate Address '' section that the following address was listed as being part of my present address : Date : XX/XX/18, Address : XXXX XXXX XXXX, XXXX : XXXX, TX XXXX XXXX : TX XXXX. 

This is erroneous information on my credit report - at no time have I ever lived at or know anyone at this address. I wish to have this information reported and removed from my credit report as I feel I am victim of ID theft by use of this address on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-13
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Hello there my name is XXXX XXXX I have a Situation with XXXX XXXX XXXX XXXX is I tried to fix so many times with the Experian credit bureau that are already resolved with XXXX and XXXX I had two accounts with XXXX XXXX XXXX XXXX of them was closed with no balance in XX/XX/2016 and The other one was Return Wich was settled with a XXXX Dallars balance cause my ex wife has paid the balance off before return it it's all started after we had an argument with the manager cause he never reported the Two accounts to the credit bureaus we wanted him to report the Two accounts cause we believe that could help hours credit for some reason instead he decided to mess up my credit buy reported false information to the credit bureaus, I already fix the problem with XXXX and XXXX but Experian refuse to fix the problem I disputed so many times with Experian every time they change the informationon the credit report the status or the amount they should a see there is something really wrong with this I disputed more than sux times every time they have a different amount and status please help me fixing this situation. The XXXX XXXX XXXX address is XXXX XXXX XXXX, XXXX, GA 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 2021-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
As a consumer natural person I am asserting my consumer rights pursuant 15 U.S. Code 1681b ( a ) ( 2 ) per my written instruction I say what can be on my consumer report. I did not consent nor contract with XXXX XXXX on Wednesday XXXX XXXX. I request that this account XXXX is deleted. I ask that this alleged debt is verified and investigated. Pursuant 15 U.S. Code 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The above account is a direct impact to my ability to exercise my right to credit because my reputation with this consumer reporting agency is inaccurate and I know that the banking system is dependent on this reporting. I ask for a copy of full credit file not report the full file

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 2018-01-29
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I have an equity line of credit with Huntington bank. This line of credit originated with first merit bank and was transferred to this bank during the buy out. I currently have a balance of approximately {$34000.00}. The ten year draw period has ended. I have never been late on the minimum payments of this loan. When I realized that the draw period was ending, I went into a local branch and asked for information about this being converted into a fixed rate loan. When I took this out with the original bank, this is what I was told would happen. When I went to the bank, an application was taken, however nobody ever contacted me with a response. I then received a notice in the mail that they are demanding the full balance all at once of over {$34000.00}. I am older now and I do not drive and can not hear well on the phone. Numerous times my family members have taken me to the bank and we are constantly turned away. We are told that there is not an employee in the office that can help us and that they will contact me later. I explain I have a hard time hearing on the phone, but I am told that is my only option other than finding someone to drive me back up and hoping that the employee will then be there when I go back. Eventually I was able to get ahold of the branch and I was told that because I have a very slim credit history that Huntington will not work with me until I pay off a past due XXXX credit card balance. More than once I have asked for them to give me a confident yes that if I try to take care of the discover past due balance, that they will for sure give me it as a loan. Now I am being told that they should have never made the promise with me that if I pay off discover they will help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
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:
I asked them to remove a XXXX account in XXXX of 2020 because the account had been closed upon an agreed payment between me and XXXX for {$200.00} for a XXXX dollar debit, and in XXXX of 2020 it became 7years old and I asked for it to be removed, they said it could stay longer then the 7 years and it would be on record until XXXX and now its XXXX and they havent removed it.

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 2019-01-25
Company: CFW Holdings LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I applied for a loan from Cash For Whatever. I missed 1 payment for the loan due to being effected by the government shut down. They keep calling my job everyday. My employer has threatened to write me up if they do not stop calling my job. I have asked them several times to cease contacting my employer and they continue to call. They have also threatened to sue me once I ask them to stop calling my job.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: Experian Information Solutions 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 listed multiple 30 day late payments on my credit report from XX/XX/2018 to XX/XX/2018. This information is incorrect and negatively affecting my credit report. This is reporting on Experian, XXXX, and XXXX. Please remove the 30 day late payments from my credit reports.

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 2021-11-10
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX  XXXX Balance Owed : {$380.00} XXXX  XXXX Balance Owed : {$380.00}

Company response to consumer: Closed with explanation