BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-06
Company: OneMain Finance Corporation
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Went to check credit report in hopes to buy a home and noticed One Main on credit file. Called company One Main Financial because I recently received a notice of garnishment. I was a cosigner on loan. I noticed on my credit as well as the actual borrowers credit report the debt shows as a charge off and written off for {$6600.00}, which says updated in XXXX of XXXX. It also shows updated balance of {$7400.00} as of XXXX XXXX. When stated to rep she said it was not. It was said back to her, " Why are you guys reporting this in this way on credit report? All I want is the XXXX that should have been sent. '' She stated it was not available because it wasn't actually written off. I said so you lied on top of trying to collect it from the borrower and myself? She then stated I need to speak with XXXX and she wasn't the best to ask about this. The XXXX I had to look for on court docs because she gave wrong number. Called XXXX XXXX on XX/XX/XXXX. I tried calling lawyer office after with no answer. This all concerns me because I feel they a lying and misleading with no clear answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
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 a victim of identity theft please remove this fraud inquiry from my 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 2019-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX partial account number ****XXXX. ( Please see page 14 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however, XXXX and Transunion have not removed this from my credit report. I have contacted the bureau to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my 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 explanation
Consumer complaint received 2023-06-24
Company: Bread Financial Holdings, Inc.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I made the very last payment on time, however, payment was made during my time, pacific standard time on the due date. Unbeknownst to me the company cut off for the due date was based on eastern standard time. The charges showing on my account is a late fee on that last payment which paid my account in full. The late fee has accrued interest and penalties. I have closed the account and never used it again. I always paid it on the due date!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XXXX XXXX XXXX Someone fraudulent opened and account with capital one in my name and had it delivered to and addresses that I lived at over XXXX ago, and this was just a year ago my bank contacted me about the fraudulent activity due to the fact this thief had somehow got my banking information and tried to have my bank account linked to this capital one card. When Captial one tried to take a few payments my bank declined because they know I dont own a capital one card. This person even tired to call my bank and act as if they was me, My bank teller confirmed and called me to inform me of the fraudulent activity over the phone as well. My bank then called me in to change my information. I then called all 3 credit companies so I can get updated reports mailed out to me so that I can now track and see what else was fraudulent on my report. I finally received my reports. I couldnt believe my eyes. Ive always had great credit and never applied for a lot of things at once when I received my report I had over 40 hard inquiries from cash loan places none on my reports belong to me besides items that are paid off or paid in full. Only time I apply for credit/loan is every XXXX for auto or maybe one credit card at a time. Like I have right now only ( 3OPEN ) accounts that are in good standing. 
In 2021 when I received my report my life turned upside down, When I seen all the Fraudulent Activity & Over 40 Hard Inquiries that are NOT MINES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And so much more With this being said CAPTIAL ONE has been making my life hard for a LAW that they have broken by approving and mailing out a credit card with limit of {$300.00} which balance today is {$620.00} and this has caused so much pain and suffering over a year. That my family and I have been getting denied housing, Loans, Healthcare & Ect its been terrible all because they are unprofessional at CAPTIAL ONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: Caliber Home Loans, Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX Sold My Mortgage to XXXX XXXX Serviced by Caliber Homes. I Had Credit Life and Disability with XXXX, they Foreclosed was about to Lose so they Withdrew, and 5 Years Later with No Payments, and No New Contract Signed, and No Money Paid to bring Claimed Arrears Current, they Sold My Mortgage to XXXX XXXX! There Has been Several Class Action Law Suits Against XXXX. if XXXX had Not Sold My Mortgage My Wife and I Could have Been a Part of the Class Action Suits! so We were Cheated Again we went to Court XXXX XXXX Ohio XXXX on XXXX Judge XXXX XXXX Could See by His Own Review The Numbers Were WRONG Also if My Attorney XXXX XXXX had Not went XXXX XXXX and Presented My Payment History The Judge Could have seen I was Being Cheated Every Way Possible. XXXX XXXX XXXX XXXX  XXXX is a Subsidiary of XXXX   and if You Review them You Will See they are Being Sued and are No Longer Offering Credit Life and Disability. XXXX XXXX Purchased My Mortgage in a Portfolio of Mortgages to Make a Profit Bragged They Paid Pennies on the Dollar and Offered Me a Settlement of XXXX When i Only Owed XXXX if XXXX Would Have Processed My Claim Correctly i would Not have Paid on my Account from XXXX Instead i Payed until XXXX So They Owe Me XXXX Back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 writing to express my ongoing frustration and disappointment concerning the persistent errors in my credit report, specifically related to the reporting of a late open account. Despite multiple attempts to correct this issue, the inaccuracies persist, adversely affecting my creditworthiness and financial standing. 

I initially disputed the late open account, providing all necessary documentation and following the prescribed dispute resolution procedures. Unfortunately, despite my repeated efforts, the correction has not been implemented, and the inaccurate information remains on my credit report. 
An account on my credit report is erroneously marked as having been opened late, despite evidence of a timely and proper account initiation. This misinformation is adversely impacting my XXXX XXXX and creating a misleading representation of my credit history. 

I understand that errors can occur, but the repeated failure to address and correct this issue after multiple attempts is both frustrating and unacceptable. These inaccuracies are causing tangible harm to my credit profile, affecting my ability to secure favorable financial terms and impacting various aspects of my financial life. 

I hereby request an immediate and thorough investigation into this matter. I insist on the prompt correction of the late open account information on my credit report to reflect the accurate and verified information regarding the account in question. Additionally, I request a detailed written explanation for the continued error and the measures being taken to prevent such issues in the future. 

If necessary, I am prepared to escalate this matter to relevant regulatory authorities to ensure a fair and timely resolution. I believe in the importance of accurate credit reporting for both consumers and creditors, and I trust that Credit Bureaus shares this commitment. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX  XXXX XXXX Balance : {XXXX} ; XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {XXXX} XXXX XXXX XXXX Balance : {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
Consumer complaint received 2023-09-04
Company: Aldous & Associates, PLLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a phone call on Tuesday XX/XX/XXXX at XXXX from a debt collector claiming that he was an attorney from Aldous and Associates from the number XXXX attempting to collect a debt of {$57.00} from XXXX XXXX XXXX. I asked the man who was the agent was he a debt collector or an attorney? He told me he was an attorney. I made him aware of violations of my consumer right pursuant to 15 USC 1692e ( 3 ) false and misleading representation. I told him the false representation or implication that any individual is an attorney or that any communication is from an attorney is a violation of my consumer rights. He hesitated, became defensive, and told me a disclosure ; " this is an attempt to collect a debt. '' etc. and before I could tell him to " cease and desist '' pursuant to 15 USC 1692c Communication in connection with debt collection until they provided me proper validation of debt pursuant to 12 CFR 1006 Regulation F. He hung up the phone as I was speaking. Before he hung up, he threatened and told me if I didn't pay the debt, they would put it on my credit report. I called the number the agent called me from back. A female agent of the company picked up. I confirmed to see if it was the same company. I told her what happened, and she was shocked by the actions of the agent I originally spoke to and transferred me to her " supervisor ''. I explained and he said that he would go back and listen to the recorded call. I told him that they must cease and desist calling me until they provide proper validation of debt and that what his agent did was a violation of my rights. He told me they won't do that. I have to request it in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: DApps Platform, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX XXXX XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Trust Wallet account to fraudulent investment firm ( s ).

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: NAVY FEDERAL CREDIT UNION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
To whom this my concern, XXXX My name is XXXX XXXX my account is closed with Navy 's Federal credit union. You can get in contact with me I never received my refund from my bank account. You can give me a call at XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-27
Company: Experian Information Solutions Inc.
State: WI
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: Problem getting your free annual credit report

Complaint:
For a couple years now, XXXX is the only report I can get on annualcreditreport, com. XXXX always errors out, and Experian always displays a vague message saying something like, " a condition exists that is preventing your report from being available. '' Somehow, XXXX is completely reliable, while XXXX and Experian are not at all. It has been years since I have been able to see my report from either company. But as far as I know, there is nothing unusual about my credit situation. 

I know I could write through snail mail for the reports, but annualcreditreport, com was supposed to make the process easier.

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 2021-03-29
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
The head of the list complaint is about coinbase.com and XXXX XXXX I opened an account with them made to deposits one on XX/XX/XXXX for {$1000.00} 1 on XX/XX/XXXX for {$2200.00} I and vested it in to XXXX XXXX about a week after I invested at there was almost {$200.00} that seemed to vanish I tried to email someone I got no response after a couple of days I went on to close my account and I was on able to access my account I tried to call the phone number and it is a non human phone number and it is only used to report fradulent activity on your account so I did freeze my account in hopes that there was going to be no more money missing from my account or it be just out there doing whatever it was gon na do and I can't see it it's been 2 weeks now they have emailed me back finally telling me the steps to re gain entry into my account and it tells me all kinds of different things from this is indeed computer you used you entered the wrong information or the best 1 lately has been the system is down please try again later and then underneath that there is a button to track problems with the system I had it says there are no issues going on so I have tried for 8 days to get ahold of somebody and resolve this issue and we get my money back and closed this account out but I have not been able to access my account what so ever and he response time is just really ridiculous Li long for money being invested somewhere and there being an issue. I ended up getting a link to their XXXX page and I was alone away by some monkey comments on XXXX page and how many people have had this problem with them getting their money back money messing not being able to get back into their accounts how are these people even in physis anymore has no one else complained? 
I tried calling me XXXX 1st and of course XXXX XXXX coin base all of these fly-by-night investment companies are not watch over by the SEC which also was mind blowing but they were kind enough to give me your email address and the FTC I have filed the complaints with both of you but now after trying for 8 days to get resolution with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: The Bureaus, Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The Bureaus Inc. The Bureaus is a Debt collector having a place of business at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They are collecting a debt real or alleged found on my XXXX and XXXX XXXX XXXX, therefore they fall under the rules and regulations as set forth in the FCRA and FDCPA. I am making you aware of a indecent of a violation of these laws. On XX/XX/2023 a single payment towards the debt in question was remitted for the amount of {$1.00}. The balance due prior to this date was {$730.00}. Once that real payment was processed they did in fact update showing that they took the money as shown on the PDF Collection Status Prior to XXXX with the new balance as of XXXX being {$730.00} with a report as shown generate XXXX XX/XX/2023. On that very day or just prior to we initiated a validation of debt complaint Via XXXX it is my/our right per the FCRA and FDCPA. On the XXXX XXXX XXXX XXXX the XXXX dispute was updated by the Bureaus with a change a increase of XXXX dollar to the balance. 

I submit : 1 ) This a clear violation of the FCRA section 609 in regards timely and [ accurate reporting. ] 2 ) A violation of the FDCPA in regards harassing the consumer as this move of willfully negating any and all payment s then reporting a balance increase was malicious in intent and in the context usher forth, a form of punishment for opening a lawful validation of debt complaint though the Better Business Bureau.

Each one of these a {$1000.00} per violation under the FTC and would be enforceable adjudicated in a Civil court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: EQUIFAX, INC.
State: CO
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:
I received a letter from Equifax stating I had three negative items added to my credit report last year with a form they stated if I used would expedite receipt of my credit report. I completed the form and returned it using the address on the form they to mail it to. It was returned to me as undeliverable and I still have not received my credit report. 

The address on both the form and the envelope the form was mailed in is : Equifax XXXX XXXX XXXX XXXX, GA XXXX I have since requested my credit report from all three credit reporting agencies and I thought you should be aware of this problem with Equifax given their recent problems. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX I can not copy the documents because I am handicapped and do not have a full time care giver and can not enter the room where the printer is located. 

However, if you will provide me with your postal service I can and will mail them to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: SLM CORPORATION
State: NH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
On XX/XX/XXXX I made a complaint against Sallie Mae for refusing to work with me to arrive at a monthly repayment amount that is within my power to pay. The complaint was responded to by them in the form of a telephone call to me suggesting that I do not make the payments due on XX/XX/XXXX ( as there is no possible way I can make the payments and still pay my basic living expenses ) and wait for their collections department to contact me. I was told that at that time, they would make new payment arrangements with me. 
I have four separate loans with Sallie Mae, one of which they processed without deferment, meaning I had to pay the interest on the loan from the start. As I was still in school, I set up an automatic debit ( {$25.00} per month ) and have never missed a payment. 
The other three loans remained in deferment until XX/XX/XXXX. I had not set any of those loans up for electronic debit and yet, on XX/XX/XXXX, my checking account was debited for all three of those loans totaling {$620.00}. They could not withdraw on the original automatic debit loan as the payment amount increased from {$25.00} to {$90.00} and they did not have my authorization for the higher amount. How could they then -- without my authorization -- withdraw over {$600.00} from my account for the loans I had never set up on automatic debit in the first place? There is no way I could meet my monthly living expenses minus these funds, so today, I had to spend {$30.00} to stop payment on these withdrawals. 
My complaint is this : I was advised not to make the payments I could not afford to pay and to wait for Sallie Mae to contact me only to have them then, without my request or knowledge, withdraw a large amount of money from my bank account. I have no assets to draw from to replace those funds and had no choice but to spend the {$30.00} to stop payment on the withdrawals. It's my experience that consumer protection protects the lender rather than the borrower.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation