BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-05
Company: DISCOVER BANK
State: AZ
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: Overcharged for something you did purchase with the card

Complaint:
I am disappointed as a current Discover card customer with regard to their response to dispute XXXX. It is as if the representatives I had contacted through their chat and via the dispute page did not even read my dispute thoroughly or misunderstood the reason for my dispute. My most recent interaction was today XX/XX/XXXX. My prior chat interaction before that was on XX/XX/XXXX. The dispute was opened on XX/XX/XXXX. The last representative I contacted with Discover misunderstood the dispute as me needing to be charged an additional {$260.00}, but I was in fact disputing due to being overcharged {$260.00} from using the card as the remaining cash down payment funding for my XXXX XXXX motorcycle purchase from XXXX XXXX XXXXXXXX. They misunderstood that I was already refunded fully and made whole from the {$1000.00} credit that the store did issue for one of the charges made there ( which is explained further below ). I was left without resolution due to incompetence along with my case being closed despite attaching all the clear evidence I had including the bill of sale indicating the remaining down payment was for {$730.00}. The store charged my card {$1000.00} two times as the sales representative indicated their system was not working properly at the time and I was given assurance I would be refunded if I was overcharged ( this did happen ). The store did refund me one of the {$1000.00} charges, but the remaining {$260.00} that was owed to me is still outstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I called XXXX XXXX in XXXX of 2020, I had my late fee waived and can XXXX  gave me an financial accommodation. XXXX XXXX  told me not to worry that they would waive my late fee due to the pandemic. I also called them and told them I was suffering due to the pandemic. XX/XX/2020 I called them to have the late payment fee credited back and they did just that. According to the Cares Act they gave me relief and they shouldnt have reported me as late during this timeframe. I would like this late payment removed as it is unlawful due to the Cares Act.

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 2020-01-01
Company: R.M. Galicia, Inc.
State: HI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I previously opened a complaint with this company with your office. They stated in their response that the debt had never been deleted, and that they had a statement with the original creditor and balance. 

When they sent me the requested documentation, I found that the " statement '' was nothing more than some unidentified screenshot with no information. 

They also lied on their response saying that account ending in XXXX had never been deleted. Id had indeed been deleted previously, and I am submitting documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: AES/PHEAA
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 information incorrect

Complaint:
XXXX is reporting false information on my report. Even though the company has rectified the issue. The XXXX XXXX is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, 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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: AES/PHEAA
State: FL
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:
I graduated from school in XX/XX/XXXX. I have 2 loans on AESSUCCESS.org. One is owned by XXXX XXXX and the other is XXXX XXXX. I have been paying on these loans for almost 10 years. 

The XXXX loan is a {$5000.00} with a variable rate averaging {$50.00} a month. Using that average I have paid around {$5700.00} and my outstanding principle balance as of today ( XX/XX/XXXX ) is still {$3900.00}. So out of the {$5700.00} I paid into it, my balance has gone down only by a little over {$1000.00}. The expected payoff as of now is XXXX/XXXX/XXXX. That's over {$6000.00} dollars more I'm expected to pay for a {$5000.00} loan. 

The 2nd loan from XXXX XXXX is a {$15000.00} loan with a variable interest rate averaging {$100.00} a month. I've paid around {$11000.00} into this loan already and the outstanding balance as of today ( XX/XX/XXXX ) is {$11000.00}. So that is only about {$4000.00} drop in principle since repayment started. The expected payoff date is XXXX/XXXX/XXXX. That's another {$12000.00} minimum in payments. 

I've had no furloughs or delays in payments and have made every payment on time. Its obvious my money is not being dispersed correctly. 
As it stands on both loans, I would be paying back over double what I took out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Report provided to employer without your written authorization

Complaint:
In Accordance with the fair credit reporting act XXXX has violated my rights.

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681-2 Responsibilities of Furnishers of information to consumer reporting agencies.

15 USC 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 2023-05-22
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
ON XX/XX/XXXX, I called experian and told them that If iled a cfpb report, they are in violation of the FCRA, they are reporting an address on my credit report that belings to my father, XXXX XXXX XXXX XXXX XXXX ny XXXX, I disputed this address with experian multiple times, they continue to report this fraudulent address. I want this address removed from my credit report immediately. I also intend to sue if this fraudulent address is not removed from my credit report within 14 days. experian has my correct address XXXX XXXX XXXX XXXX, XXXX ny XXXX experian also continues to report a fraudulent account from XXXX XXXX XXXX XXXX , I disputed this account multiple times with experian letting them know that this account is fraudulent. I '' ve filed FTC identity theft reports multiple times and this account is still being reported, I sent experian and the creditor documentation of me being XXXX  from XX/XX/XXXXuntil XX/XX/XXXX. XXXX XXXXXXXX ACCOUNT was opened in XX/XX/XXXX, I was XXXX  at the time. I want this fraudulent account removed from my credit report within 14 days or I intend to sue.

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 2022-01-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : Chapter XXXX Bankruptcy Case Number : XXXX Remove this Bankruptcy from my Public record Chapter XXXX Bankruptcy Case Number : XXXX Remove this Bankruptcy from my Public record

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: Coinbase, Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
They locked my account. It has been locked for 2-3 months now. I have submitted at lease a dozen inquiries and have only received the automatic email responses. No action or dialogue has been generated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Bread Financial Holdings, Inc.
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
We have a Lane Bryant store credit card. Comenity Bank/Bread Financial has not reported our payments & account balance to the three credit reporting bureaus since XX/XX/2022. We have called them on the following dates, regarding this issue, XX/XX/2022, XX/XX/2022, and XX/XX/2022. Each time we were given a different reason for the account information not being reported, and we still have no resolution to this issue. On XX/XX/XXXX, we were told that they were updating their reporting system, and that the reporting would be done on XX/XX/XXXX. We have had it for two weeks and there was no change in the reporting on our credit reports. On XX/XX/XXXX, we called and were told that the reporting can take up to 60 days, and they offered to have the reporting expedited. We waited until XX/XX/XXXX, and there was still no resolution, so we called again and were told that there is no way to expedite the reporting, and that it can take XXXX to 60 days for the reporting to be completed. Still no resolution to the issue, and another run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Regional Management Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I received a check in the mail for {$2500.00}. The letter attached to it said I qualified for a personal loan, all I had to do was deposit the check. I needed to pay the taxes on my grandmothers land so I decided to accept the loan. I was behind on payments and they threatened me with jail, law suit, and said they would come to my place of employment. They served me with court papers at my home to sue for the entire amount of the loan plus interest and the total amount they sued for was over {$3500.00} after I had already paid off {$1000.00} of the loan. I sent in a lump sum of {$800.00} and they dropped the complaint. 
Then, I was XXXX from work due to my son getting XXXX and I called to talk to them about my payments being placed on hold, they refused to do so but then offered me another loan of {$1500.00}. I declined the offer but after two months of not being able to go back to work because I started showing XXXX XXXX, I called them to accept the loan because I needed to pay my mortgage. They offered me {$6000.00}, I told them I only needed {$1500.00}. I sent them proof of income, insurance, residence, and identification. They asked for 6 references which I gave them and then wrote in at the bottom of the reference page that I needed to write down five items for collateral, naming specific items : TVs cars rings, things like that. I told them no I didnt have to do any of this to get the original loan which is impossible to pay off because of a 35 % interest rate so why do I have to list my property? I declined the loan and told them to stop harassing me because they call me at least 4 times an hour and send mail everyday offering me more money. They continue to harass me everyday, I have proof of their calls, and Im not even behind on my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Experian Information Solutions Inc.
State: LA
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 been trying to get CFPB and Experian to correct the incorrect reporting of my Student loans as being late DEPT OF EDUCATION/XXXX Account number XXXX. I am NOT LATE as the CARES Act stimulated that the repayment will not be restarted until until the end of XX/XX/2022. Why Experian can not update as such. There is not real investigation needed because its common sense. The other two credit bureaus have updated their report so why can't Experian do the same. I am in the process of filing additional complaints with DOJ and Dept of Ed. As you know because of Experian incorrect reporting has hampered my ability to obtain a home loan because they see these late payments as a negative. Please correct or remove immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
Company: WELLS FARGO & COMPANY
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Problem : 3 ( Three ) Hard Inquires across my XXXX and XXXX from one single personal loan application during the in-person visit to a XXXX, WA branch of Wells Fargo. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- On XX/XX/XXXX, I applied for a personal loan with Wells Fargo at XXXX XXXX XXXX XXXX. The customer rep. and the branch manager were extremely helpful and walked me through every step of the process. We submitted the application, which hit a Freeze on my XXXX record. Before unfreezing the record, my husband and I clarified with the branch team how many inquiries will be put in total on my credit report. Again, the branch team was extremely helpful. They called on the phone the credit department, where they received assurances that only a single Hard Inquiry will be placed on my account since the previous one hit a Freeze and thereby did not go on record. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Today, I checked my account and I see not 1, not 2, but 3 Hard Inquiries from Wells Fargo : 1 ) One Inquiry dated XX/XX/XXXX on my XXXX  Wells Fargo-pl & I 2 ) One Inquiry dated XX/XX/XXXX on my XXXX Wells Fargo-pl & I 3 ) One Inquiry dated XX/XX/XXXX on my XXXX ( WF PII ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- My application reference # : 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 2021-02-02
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/XXXX I opened a ticket with the Coinbase.com the online exchange for Cryptocurrency trading as I was unable to log in to my account using my computer while I had the App on my phone working due to the facial recognition to log in to the account active. 

However, the activity I needed to do required me to log into the account and check the details. Coinbase automated responses directed me to follow on screen instructions that kept me going in circles without success. I opened additional tickets after waiting for 24 hours when coinbase did not respond with the account password reset instructions nor ability to reach a human being who can help address the issue. This continued day after day each each time I send an email receive an automated email sending the exact same information that will not resolve the issue. Eventually on XX/XX/XXXX I received an email telling me that an account specialist is looking into my issue and it will be resolved in 3 to 5 working days. 
Since, then I have heard nothing more from Coinbase to all my follow up emails. As a result on XX/XX/XXXX when Bitcoin price reached its XXXX at {$41000.00} I could not sell any of my bitcoins. All my efforts to contact Coindesk have ended in sheer frustration as there is no way to reach any one at the company. No one responds to the emails and I find my self held hostage and unable to access my money that they have locked up in the wallet and I do not know if they will ever give me access to my account. I believe they are not acting in the best interest of their customers but, are only thinking about how to make more money by using locked money in my account. 

I have record of all my emails sent to Coinbase available to support above claims and I need your assistance to resolve this issue ASAP. 

Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-20
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:
in accordance with the Fair Credit Reporting act the following XXXX  accounts have violated my rights under the following laws : 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 instruction. 

XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX/DEPT OF ED # XXXX XXXX/DEPT OF ED # 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 2017-01-20
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I noticed that there are XXXX federal lawsuits against the Navient Corp for the way they handle consumers who requested repayment plans. Exactly what happened to others about their student loan happened to me. I called the company and requested to work a payment arrangement based off income. They said they would get back with me. When I did n't hear from them I went into my loan information online and found they had deferred my loan. This was the second time they had done this in 2 years. I am willing to make the payments, but my income was not going to accommodate the amount they were requiring. This loan comes off deferment next month and I will again call them to arrange payment plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Resurgent Capital Services L.P.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To : XXXX XXXX XXXX XXXX XXXX AND LVNV Funding LLC I write to advise you that I plan to file a lawsuit against you in the United States District Court XXXX XXXX of Florida XXXX Division due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the USDC XXXX XXXX of Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.

Company response to consumer: Closed with explanation