BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-05
Company: Experian Information Solutions 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:
When I received my credit report from Experian at the end of XX/XX/2018 I noticed accounts that were not mine, reported incorrectly, addresses that were not mine and inquires I never requested. I wrote a letter had it notarized and sent it to Experian via certified mail on XX/XX/2018. On their response dated XX/XX/2018 they claimed that everything had been verified but as I started reading the second page I noticed that they are mixing my credit information with someone called XXXX XXXX XXXX. They even included his wife in my credit response! In the results of their investigations, Experian stated in writing that they verified that these items are being reported correctly. How was this verified? Who verified these accounts? What documentation was provided to them? They have FAILED to provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Experian is breaking the law and have made a mess of my life by having false, unverified information on my credit report which is causing me severe problems in obtaining credit with a lower APR, higher insurance premiums, possibly loosing job opportunities by not being able to obtain a security clearance

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 2018-11-20
Company: Pendrick Capital Partners Holding, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On or about XX/XX/2016 I went to the hospital ER and was treated and released. XXXX paid the bill in full. A month or so later I received a bill from XXXX XXXX XXXX XXXX for {$810.00}. I called XXXX and asked about the bill, They said not to worry that it was taken care of. They had an agreement with the hospital & doctors where they agreed on how much could be charged and how much they would pay, and they were trying to balance bill me. XXXX said they would call them. Another month or so I got another bill, so I called XXXX back. Someone dropped the ball and didn't make the call, this time they did call. I got another bill, I called XXXX back on XX/XX/2016 and while I was on the phone they called XXXX XXXX XXXX XXXX, and got this billing stopped. What I didn't know at the time was about two days before this they had sent the bill to a collection agency. Now it goes from one collection agency to another. Each time I have to send them proof where the bill was paid. And each time they put derogatory remarks on my credit report. I thought I had gotten this stopped but after two and a half years, it's still going on. It gets sold from one agency to another.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: U.S. BANCORP
State: WY
Product: Credit card
Issue: Advertising and marketing

Complaint:
I applied for a XXXX XXXX Visa Signature credit card in XXXX. At that time, they advertised the card as offering a " Bonus Award Night ''. This means on award stays of XXXX+ nights credit card holders receive XXXX XXXX free. Less than two weeks after my application, this benefit was canceled starting XXXX XXXX. There are other, smaller, changes as well. All of this took place in less than three months after receiving my card and paying the annual fee. 

I have not even had the chance to earn the points promised to me for hitting minimum spend requirements of {$2500.00} before the benefits associated with such points have been taken. In short, I feel US Bank was deceptive with their advertising and dramatically reduced promised benefits with such little advance warning as to make the situation resemble a bait-and-switch offer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-05
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I feel Navient was negligent in processing the renewal of my repayment plan because despite my checking the box on the " Income-Driven Repayment Plan Request '' for " ( Recommended ) I want my loan holder to place me on the plan with the lowest monthly payment '' in both XXXX and XXXX, they did not put me on the REPAYE. Instead they kept me on the IBR plan which I later discovered was about {$200.00} more per month. ( I would like to note that their form was very confusing though I felt marking that box would make my intent very clear ). Twice during these years I called to discuss my payments because I was having difficult making them and was steered toward making a request for a forebearance though neither time when I spoke with Navient did they advise me of a lower payment plan. Both my forebearances were approved. Finally in XXXX when I renewed my plan - and only because of an error on their part - I called to question the error and XXXX, a representative questioned why I was not on the lower payment plan ( REPAYE ) and helped me get on it. I have written the company with no adequate response to my complaint. I estimate I am owed from XX/XX/XXXX to XX/XX/XXXX for overpayments. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. 
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a timeframe for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as XXXX XXXX XXXX. I have never done any business with this company and I demand a full investigation. I do not recall any payments or anytime timeline of activity ( DOLA ) with XXXX XXXX XXXX or 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 2018-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
There are 2 hard inquiries which I dont recognize & hence needs to be removed 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 2018-11-20
Company: Netspend Corporation
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
The phone number on Net Spend XXXX does not work, the website will not allow me to talk or email anyone, only XXXX bucks but I cant use the card for travel as expected and now I cant contact a human or an email. This is ridiculous and wrong for a company to do to XXXX older Americans just trying to get by.

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 2020-10-14
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: Public record information inaccurate

Complaint:
I recently disputed a bankruptcy on my credit report and I sent in supporting documentation from the XXXX bankruptcy court which showed that Experian is reporting inaccurate information. I contacted Experian requesting them to delete the inaccurate information but I was informed that they would open a dispute which was opened XX/XX/2020. The dispute was then marked as complete as of today but the inaccurate information is still present on my file. 

I am now requesting additional assistance from the FTC. I am requesting that someone from the FTC steps in and contacts Experian to have them to remove the inaccurate information from my file. I will also be uploading additional information here pertaining to the inaccurate information provided to me from the XXXX bankruptcy court.

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 2017-11-17
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Have had non stop issues since opening " opportunity checking account '' with webster bank. 


1. ) online banking is extremely unreliable. transactions, regardless if theyre debit, credit, ach, or even transfers between accounts, post and unpost randomly with no rhyme or reason. in the words of the branch manager herself " you never know when something will post " making it extremely difficult to accurately manage your account. to make the problem even worse, even though webster is aware of this issue, they dont make you aware of it until after you realize it and have problems, often resulting in fees. 

2. ) was told by the person who helped me open the account that it is " basically impossible to overdraw ", this is just a flat out lie. 

3. ) the bank often tries to blame delayed charges on the " merchant '' and their processing, however, this holds no water. I have used numerous debit cards and credit cards at the same merchant, and only webster will delay the charge for what seems like a totally random and unpredictable amount of time. different cards used at the same merchant have no issue processing at the time of sale. 

4. ) all problems with the account could have been avoided from the very beginning had the overdraft protection service been offered. this is something i realized was available months after opening the account, and i made this realization myself. this service has still not been offered or suggested by any webster employee, even after numerous overdrafts. 

all these things considered. i have to say that webster bank is either negligently run, or is running a scam. the delays in items posting, bad information given, lack of protection offered, etc, all leads me to believe they are intentionally creating overdrafts to collect fees. this is also reinforced by the fact that the type of account i have as seen as " high risk '', or more likely to over draft, so perhaps an easy target for this type of scam. webster all has a history of law suits they have settled for millions of dollars alleging the same exact thing. 

most recently, just this morning, i noticed a very alarming " mistake '' on my account. I had transferred on XXXX/XXXX/XXXX the amount of {$1100.00} into another webster account. the XXXX accounts share an account holder and the transfer was immediate. the funds were properly distributed at that time. the following day, XXXX/XXXX/XXXX, the {$1100.00} was in BOTH accounts. i believe this was a blatant attempt to get to me spend some of it, and then charge me with over draft fees when the " error '' was corrected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-04
Company: Credit Control, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Stop bothering me I do not know your company and i have never done business with 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 2018-06-21
Company: 1st Franklin Financial Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
The loan had an insurance added to it that wasnt explained nor was I given an option to accept or decline. In the loan paperwork it shows if I had declined the insurance my payment would be {$300.00} less. Once I got home, I called and went back to the establishment but was told that I can drop the insurance but the contracted payment and loan amount would not change.

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 2018-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
OnXX/XX/XXXX, I contacted the Operation Mgr.for B of A and informed him I didn't receive a statement for my checking acct. I was provided a statement and discovered approximately XXXX on-line withdrawl transactions in the amt. of {$10000.00}. I spoke with a employee from the B of A fraud Department. On XXXX, I returned to B of A informing the same Operation Mgr. I did not receive a XX/XX/XXXX checking acct. statement. The unauthorized online withdrawls were reviewed a second time with the Fraud Department. I had been previously informed by the Operation Mgr.the first time freezing the acct. would not allow for any transaction withhdrawls online. He did not inform me electronic transactions would not occur. Beginning on/or about XXXX, B of A Dispute Resolutions sent letters for each transaction indicating the case had been reviewed and was closed for the following reason : " transaction name and customer name match, '' unless I was able to provide new information. 
I previously reported my account had been compromised. I have never had an online banking account and told the Manager and Operation Manager. Even though the names transaction and customer match, it was not the result of my use with my email address. It was 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 monetary relief
Consumer complaint received 2015-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have been the victim of financial fraud by a family member that was XXXX time for it. It has caused me many issues with my credit and personally. Many of the items that are on my credit report were part of the fraud and I am stuck with trying to fix it as best I can. I have worked for years with those that have allowed me to do so. Those that were unable to do so are the ones I am now trying to clear up and at least get them to show correctly on my credit report. This has been very frustrating as a consumer, so now that I have found this website, I am hopeful. 
Bank of America canceled debt on XXXX accounts. 
They also show " placed for collection '' instead of " canceled debt '' I received this XXXX for tax year 2013 for both accounts yet they still report it on my Bureau with differing amounts from the XXXX and although canceled, they still report it as a collection account instead of closed/canceled. It is canceled and I paid taxes on it in 2013. I do not seem to have any rights as a victim to get this corrected. BoA should not be allowed to both cancel it and report it open, I understand it will show on Bureau as canceled debt, but they should not be allowed to continue to show it as an open balance since they told the IRS it was cancelled. 
I am trying to clear up issues that were not my doing, but were in my name, my name and SS # were fraudulently used multiple times. Please help me in this matter, I can not seem to get BoA to willingly fix this issue that is clearly being reported incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Coinbase has locked me out my account for weeks. Every time I contact support I get a form email. I have responded numerous times verifying the steps that allow my account to be reactivated. They are fraudulent holding my money and have no one for me to speak to

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: Experian Information Solutions 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:
I'm respectfully filing this complaint due to the numerous of failed attempts in removing the following accounts ( XXXX XXXX, and XXXX XXXX XXXX in order to satisfy Section 611 ( 5 ) ( A ) of the FCRA .With all my formal and written requests I was never provided any verifiable documents that supports company 's claim. Therefore as stated in the above statue, if not verified within 30 days then the account must be deleted promptly and immediately. It's now 3 months later.

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 2020-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
1. On XX/XX/2020, I called CapitalOne and requested to make a transfer of funds from CapitalOne to XXXX XXXX XXXX. The representative from CapitalOne instructed me to initiate the transfer through my CapitalOne banking app. I put my XXXX credit card information in correctly on the app and submitted the transfer request for {$3000.00}. 

2. On XX/XX/XXXX, I received a statement on my app that the transfer was made to XXXX ( as opposed to XXXX ). I do not have a XXXX account. I called CapitalOne and told them I do not have a XXXX account. The representative from CapitalOne told me to wait 14 days to make sure that the money did not go to XXXX. 

3. After 14 days I called back, and CapitalOne ( a supervisor ) told me that they would have to put a stop to the check that they incorrectly sent to XXXX. They said that this would take 5 working days. 

4. I waiting 5 days and called CapitalOne back. The money was not returned to my CapitalOne account. A CapitalOne representative said there is nothing they can do because the check was cashed by XXXX. They told me to go to XXXX and to request the money be returned to CapitalOne. I called XXXX, and they told me that CapitalOne needs to request the check from XXXX. CapitalOne then sent me a copy of the check. On the check, it shows the XXXX credit card number that I entered into the app correctly ; however, the address on the check shows that it was sent to XXXX and not XXXX. 

5. I went back to XXXX and they said they could see the check in their system, but that CapitalOne needs to request the check. I went back and forth for two months now, and CapitalOne is refusing to resolve the issue and are insisting that I pay the {$3000.00}. 

6. I went to a physical XXXX bank, and although they were not able to help me, they told me that CapitalOne has incorrectly sent checks to XXXX before and that I was not the first person to have this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-20
Company: Resurgent Capital Services L.P.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
on XX/XX/2018 i noticed a garneshment in my pay in the amount of {$120.00}. 
I called hr and was given the phone number to a law office of XXXX, XXXX, XXXX, XXXX XXXX   XXXX i was told this was a collection of debt for a credit card from XXXX. 
when i told the associate that that debt had been closed more than 15 tears ago, i was told that it had already been before a judge and that there was nothing i could do other than pay the full amount owed. when i inquired what that amount was i was told {$1300.00} plus {$2700.00} in interest and {$120.00} in filing fees for the total of {$4400.00}. i asked how this had already been before a judge when i was never notified of any actions and the fact that this debt was settled over 15 years ago, and that XXXX is no longer in business. she just repeated its already been before a judge there is nothing you can do .since that time the amount taken from my pay has increased and at times been as much as almost {$400.00}. I recently purchased a home and this is causing my a great deal of financial strain. not to mention it has shown on my credit. i pay all my bills on time I have never even gad a late payment on any on my creditors what ever happened to due process? I drove to the court house and asked for copies of all documentation and that is attached. you are welcome to look into XXXX XXXX as I did and well you will see that they are doing this to thousands of people.please help. 
XXXX XXXX.

Company response to consumer: Closed with explanation