BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-12
Company: Diversified Adjustment Service, Inc.
State: IL
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 was set up on a payment plan of {$25.00} biweekly by Diversified Adjustment Services until my debt was paid in full in the amount of {$380.00}. The debt was in collection and was reported again for the second time. Causing my credit score to drop 25 points. I disputed it several times with no change. I have bank statements to show all payments made until paid in full. And a receipt for the final payment. It was supposed to be removed from my credit report once the debt was paid in full. It still hasnt been removed nor has the correct payment history been updated.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Coinbase ; XXXXXXXXXXXX is the account ID : Bank reversal from XXXX weeks ago in the amount of {$410.00} has locked all of my funds now in Coinbase where I have {$1000.00} XXXX Coinbase support still has not unlocked my account to let me buy sell to cover the {$410.00} bank reversal. So, I put the {$410.00} onto a card for Coinbase to get. Coinbase said they were going to take it off card but did not and account is still locked. I told them they can also just take it out of my account as I have enough to cover it. I NEED MY ACCOUNT UNLOCKED TO GET TO MY MONEY! 
In attached copies of emails, you will see that XXXX guy ( coinbase support ) told me to replace the digital funds ... which would now cost me twice the amount. NO!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: MOHELA
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My student loan IBR wasn't processed initially. I resubmitted it and called to put my loan in forbearance prior to the first due date which was XX/XX/XXXX. I was told it was in forbearance. My IBR was then processed. I was billed my payment prior to the IBR being processed and the IBR amount, so double billed for XXXX. I called back and was told my forbearance was improperly processed but that I should pay my IBR payment while it was fixed and the initial payment amount dropped. I paid my IBR payment and was assured the amount would be applied to my IBR payment amount. I now show that I made a partial payment on the non-IBR payment and that I haven't paid on my IBR payment. I've spend well over 10 hours on hold with MOHELA and still don't have resolution. I'm a teacher and can't just call during the day and their hours make it nearly impossible to get through to anyone and they have no functioning none phone call system. I just need them to drop the first- incorrect payment- and credit my actual payment or to have a functioning communication system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Please remove the following inquiries from the credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- The following accounts violates my rights as a consumer 15 USC Code 1681B, I never gave any permission for any debt to furnish ANY information to any bureaus and it is assisanate my character as a consumer and my right to privacy violated my consumer right 15 usc code 1681A PLEASE REMOVE ALL ACCOUNTS AS THIS IS MY SECOND TIME WRITING AND I WILL BE REQUESTING A FINE OF {$1000.00} I have sent several letters to the bureaus in regards to this issue and none of the accounts has been removed.

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 2023-02-28
Company: Experian Information Solutions 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-19
Company: KEYCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a checking and savings bank account with Laurel road bank. It's Keybank. I have my salary direct deposit in this account. Since XXXX XX/XX/2023 I am not able to access this account. As per the message, I was told to call the bank which i did on XXXX XX/XX/2023 and was on the phone for around XXXX minutes. 
Reasons provided : 1. One of the check was returned back. 2. There was a direct deposit from my husband into this account. I provided my clarification and they said that they will add my spouse as a joint owner for checking account and will unblock my account to access it and do any transactions.

But even after 14 days - my access is not working. It's my salary account and all my savings are there. Laurel road bank is strictly an online bank so I can not go to some branch to do these transactions. This is the message I am getting Your Online Banking account is restricted. To verify your identity and gain access, please call us at XXXX or XXXX  XXXX. 

Finally I got XXXX letter from Keybank that they are closing my account and going to negatively impact my credit profile. Please see the attached letters. 

Not only this unfair and unreasonable bank held my money for weeks but now closing my account. I have no idea whether my employer paid me accurately or not?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: DISCOVER BANK
State: MI
Product: Credit reporting 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 DISCOVER FINANCIAL SER 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I moved out of XXXX Apartments on XX/XX/XXXX. 

I lived there for a year prior to XX/XX/XXXX. I was living with girlfriend, my brother and his girlfriend. My girlfriend and I moved out and I was signed off the lease, I was given a form from the then staff at the apartment complex. The form I was given did not have the staff signature ; they signed the original and kept it. 

A new lease was started on XX/XX/XXXX, after I moved that was only signed by my brother XXXX and his girlfriend XXXX. I NEVER signed a new lease. It was after their new lease that started on XX/XX/XXXX that they got evicted in XXXX. Now they are stating I owe them. I do not, I wasn't living there after XX/XX/XXXX. 

I have gone to the apartment recently to get a copy of the lease and they themselves cant produce the lease. I spoke with the assistant manager XXXX XXXX I believe. I was told by her to ask for from the debt collector and they cant provide it either. 

I contacted the debt collector and have asked several times for a copy of the lease. They stated I signed and were able to see the lease but I know for 100 % fact I did not. I have been trying to get a copy of this said lease for over 5 months with no avail. They stated they mailed validation out but it was sent to the apartment complex not me. The only " validation '' I got was a itemized bill of the charged owed on XX/XX/XXXX. I received an email from XXXX XXXX and have since then emailed several times for the lease with no response. My last email request was XX/XX/XXXX and still with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: WELLS FARGO & COMPANY
State: NM
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
My husband who is now ill, co signed a loan thru Wells Fargo Bank and apparently, loan companies have gotten a hold of this information and are calling us non stop. Our son, the former student has been late paying some payments but has always paid plus hefty interest bank charges. He is now making timely payments.

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 2023-10-24
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My due date for my payment was scheduled for XX/XX/2023. I contacted via email two weeks before. I did not get a response. I called multiple times the following week and was on hold for over 40 minutes numerous times and never got through to a representative. Instead the call would state to call the exact number I was on the phone with already ( XXXX ) XXXX and would hang up. This happened multiple times throughout the day and on different days of the week. I continued to follow up with another email. Again, no response. Due date approached and I was unable to make the change for my due date thus considering my payment late. I continued to email and call and still have not received a response and it is now XX/XX/2023. This is frustrating because I have other questions regarding my payment and loans and I continue to not get a response. I am currently on the phone and have been on hold for the last 47 minutes. I understand that with the new payment restart dates for everyone they may be busy taking calls, but I have zero hope of even getting an answer despite waiting for the last 47 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I AM BEGGING TO REMOVE AND BLOCK THIS AS I HAVE CONSISTENTLY REQUESTED THIS FOR SEVERAL MONTHS AND ASKING FOR THIS TO BE UPDATED.IT 'S REALLY FRUSTRATING NOTHING 'S HAPPENING FROM WHAT I DISPUTED SINCE THEN

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XX/XX/2023 the Consumer Financial Protection Bureau ( CFPB ) and the New York State Office of the Attorney General sued a predatory auto lender, Credit Acceptance Corporation, for misrepresenting the cost of credit and tricking its customers into high-cost loans on used cars. The car-buying experience turns into a nightmare for many of Credit Acceptances borrowers, who face unaffordable monthly payments, vehicle repossessions, and debt collection lawsuits. The joint complaint alleges that, among other things, Credit Acceptance hides costs in loan agreements and sets consumers up to fail. The complaint also alleges that Credit Acceptance violated New York usury limits and other consumer and investor protection laws. The lawsuit seeks to force Credit Acceptance to stop its illegal practices, reimburse harmed consumers, pay back wrongfully earned gains, and pay a penalty. And feel like i was a victim I purchased the car on XXXX and after reading the CFPB report 75 % that was mentioned in the article i can relate to. So I'm making this complaint too have credit acceptance removed from all 3 credit reports. Under the Consumer Financial Protection Act, the CFPB has the authority to take action against institutions violating consumer financial protection laws, including engaging in unfair, deceptive, or abusive acts or practices. The CFPB is seeking injunctive relief, monetary relief for consumers, disgorgement of unjust gains, and a civil money penalty.

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 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
SOMEONE OPENED A ACCOUNT IN MY NAME, when I reached out to get it removed I was ignored. 

ALSO, there are inaccurate information on my credit report under my auto loan, I never missed a payment.

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 2022-09-11
Company: Experian Information Solutions Inc.
State: MD
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-10-24
Company: MOHELA
State: CA
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:
On XX/XX/XXXX I submitted my IDR request as I kept receiving notifications that I needed to recertify my income driven repayment plan before student loan payments were to resume in XX/XX/XXXX. I received no communication from MOHELA that they had canceled and then denied my IDR until XX/XX/XXXX via e-letter that stated it was unclear whether my request was for recalculation of monthly payment amount for the income-driven payment plan I was on and alerted me to contact them, however, fortunately for me, I had already contacted them XX/XX/XXXX because I had not received any update regarding my IDR request. I was told by a MOHELA representative on XX/XX/XXXX that I qualified for the SAVE plan with an estimated {$600.00} as my monthly payment and was told this would take approximately 3-5 days to process. However, this ended up taking about a month longer as I did not receive my letter indicating it was processed until XX/XX/XXXX. I was also not advised that my loans were placed into an Administrative Forbearance until XX/XX/XXXX and wasn't informed until XX/XX/XXXX that four of my loans were not included in the forbearance by mistake. I was told by the MOHELA representative that her supervisor also confirmed this was a mistake and that a ticket to resolve my billing issues would be submitted, however, it has now been a week and a half and the issue is still not resolved as I have outstanding payments listed on my account. All of my correspondences from MOHELA have been significantly delayed and I've had to wait on hold of an excess of up to 2 hours at time when I try to contact them to resolve my issues. My credit and my public loan forgiveness is at risk because of their negligence and inadequate management of my loans. I have done everything appropriately and within a timely manner on my end, but feel I am continuously being punished and caused unnecessary financial stress by MOHELA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
To whom this may concern, This letter is in reference to complaint XXXX made on the CFPB website in reference to an XXXX XXXX  inquiry published on my Experian Consumer Report without my discretion. My rights to privacy, as noted in 15 USC 1681 ( a ) ( 4 ), which is a FEDERAL LAW, were violated. I sent the complaint on XX/XX/2022 to the CFPB which was reported to Experian. Experian sent me an email on XX/XX/2022 at XXXX AM regarding the matter and stated, " When we contact the furnisher or vendor, we ask that they verify all of the information regarding the item you disputed and report back within 30 days of the date that we received your request ( 21 days for Maine residents ). '' I have not received any message back from Experian since that date regarding the matter and the XXXX XXXX inquiry is still on my Experian Credit Report as of XX/XX/2022. Later in the letter, Experian stated, " If we do not receive a response from the furnisher or the vendor within the required period, we update the item as you have requested or delete the information, and send you the results. '' As previously stated, I have not received any information, or update, nor has my credit report changed, and it has been over 30 days since this initial dispute. As Experian has stated, they will update the consumer report as requested meaning that the item shall be deleted and I will receive my invoice of {$1000.00} as initially requested.

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 2017-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am supposed to have a security freeze on my credit file in which when my credit is ran I am supposed to be contacted by the credit bureau. I now have multiple inquiries on my report that I was not notified about. I have contacted transunion, XXXX, and XXXX as well as the creditors who ran my credit asking that these inquiries be removed from my credit report. They have not been removed at this time.

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 2023-03-15
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Please refer to the details and CFPB complaint number XXXX. 

Immediately upon resolution of my claim the bank closed my account on a Friday afternoon with no warning and mailed the balance of my accounts, which left me penniless over the weekend. To add insult to injury I am now attempting to apply for credit, and they also immediately cut off my access to online banking, so I cant even go in and search my account, history, print bank statements or anything. Ive reached out to Wells Fargo in an attempt to get access within the 90 day period that I am to be allowed access to my account after it was closed. No one has called me back. This is now a stranglehold over me financially when I need to get a loan for funds desperately. I cant qualify without my banking history and now Ive only had my new account less than six months. All of my rental history a lot of my history that was being used to improve my credit. All of this is in those Wells Fargo accounts. I was asked what statements did I need and I need all of them for the entire 3 1/2 year. That I banked with them. I also need to be able to search my XXXX  history and I need XXXX searches done. There is an exhaustive amount of information that I have been blocked from that. I had legal right to access and I have been trying to get this cleared for months. Please help me I cant qualify for a loan without this documentation. This type of retributive action should not be excepted. After months, they finally refunded my money from the prior claim but my punishment would be immediate closure of my account, and no access to my banking history records that is not lawful.

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