BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-16
Company: Nelnet, Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Nelnet keeps adding balances and subtracting balances from my accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are extremely detrimental to this process. First and foremost, I have been in student status and military deferment since XX/XX/XXXX, not to mention they did not have my correct contact information and I was not notified that I was out of forbearance. I respectively ask that the late payment statuses XX/XX/XXXX -XX/XX/XXXX be REMOVED and set to CURRENT. As soon as I spoke with a rep at Nelnet my loans were put back in Military deferment/Student Status. Also, I am requesting that all loans older than 7 years be removed/deleted off my credit report at once in order to comply with the FCC, as that is more than the SOL for my state I need this done ASAP, as Nelnet is  doing illegal collecting and reporting porting practices to all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
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:
On XX/XX/XXXX upon trying to sign into my online bank account for bank of america I found that I couldn't sign in and when I called none of my security questions matched. When I called they determined that I needed to change them because someone stole my online information. I discovered that {$5000.00} had been wired from my account into another unknown account without my knowledge. I filed a claim with them multiple times on XX/XX/21, XX/XX/21, and on XX/XX/21. When the claim finally went through they credited my account with the money and after their " investigation '' they said they found that they couldn't get the money back from the person who stole it from me. And it must have been a wire transfer that I supposedly gave permission to. It was a fraudulent wire transfer that I never approved. I filed complaints with the FTC for a identity theft report # on XX/XX/21 report # XXXX and I Aso filed a police report on XX/XX/21 report # XXXX I gave bank of america all of this information and they still said that I was at fault. I requested the documents from their investigation and how they came to their conclusion and they only sent me a paper saying that I must have approved the transfer. It shows on my account that it was to another account in Sacramento.I am at a loss of what to do now and in fear of my financial reputation being ruined over fraudulent charges that had nothing to do with me.

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 2020-09-16
Company: Experian Information Solutions Inc.
State: NM
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:
This is an ongoing problem. I will continue to submit complaints until enforced. XXXX  negatively reported on my credit additional balance info, see attachments. Additionally, they sent me a check for {$80.00} for some admission of error? I have sent back the check and letter as there is no longer a enforceable relationship between XXXX, the note / mortgage holder, and myself. 

Previously submitted complaint from XXXX : XXXX. Does CFPB have any authority or influence in stopping the harassment, false credit reporting, fraud, etc. Can you enforce damages and fines? XXXX XXXX XXXX is now reporting again on my credit report as of this submission XX/XX/XXXX. I have won a court decision against XXXX XXXX XXXX and I would like fines and damages against them as they continue to harass me. Important notes from previous complaint from XX/XX/XXXX : Per a XXXX XXXX XXXX XXXX XXXX New Mexico XXXX Order, the order states the " mortgage and note are unenforceable. '' XXXX is closed. * XX/XX/XXXX Denied Motion ; Order On Plaintiffs Motion For Clarification Or Relief From Order Of Dismissal * XX/XX/XXXX Case Dismissed With Prejudice ; Order On Statute Of Limitations Defense XXXX XXXX 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 2017-11-16
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I am trying to make a transfer from a Bitcoin 'Vault ' to a Bitcoin Wallet. The transaction is not allowed to go through, as it says there is another transaction in progress. 

The problem is that it is impossible to be any other transaction in progress. Any 'Vault ' transaction should automatically cancel after 48 hours ( as per their security rules ). The last time I made a transaction was in XX/XX/XXXX ( now XX/XX/XXXX ), hence, should be nothing currently in progress. 

I have contacted support, several times, and since XX/XX/XXXX they have stopped responding to my messages. The problem still continues ( XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
They decided to take it off XXXX  but still reporting on XXXX  and XXXX. This account belong to someone else

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 2022-02-18
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
A certified mail document was sent to the wrong address. I havent lived at this address in over 6 years. With that being said, without being officially served, I had to look up the court documents. Which states I have a court hearing on XX/XX/2022. Midland Credit Management is currently suing me, improperly had legal documents served to an incorrect address. This company has been harassing me, through several phone calls to myself and loved ones. I havent received any documentation in the mail or sufficient evidence from Midland Credit Management regarding the reason why these charges were recently filed against me. I have no information regarding what debt this company is trying to collect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have had my student loans through XXXX XXXX ( now " XXXX '' ) for a number of years. Unfortunately, around XXXX of 2013 and shortly before, I experienced significant financial difficulty ( to the point of almost being evicted from my abode ). I tried all options available to lower my monthly payments, deferment/forbearance, etc.. but to no avail. After speaking to a number of representatives, I was never told of the option to go on IBR ( Income Based Repayment ). I now have negative information on 2 of my accounts ( will attach ). If I was alerted as to this option a few years ago when I inquired, I would not have any late payments ( in regards to XXXX XXXX " XXXX '' ) on 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 2022-02-18
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022 I scheduled my regular monthly payment with Discover, my due is the XXXX but I pay early. I have been a card user nearly a year and Ive never missed a payment or have any issues with my account. After being notified that my banking account had been compromised, I gave Discover a call immediately ( XX/XX/2022 ) to submit a new payment and cancel the the previous transaction. I was told that the payment had been successful and that my balance was {$0.00}, and there was no need to submit additional payments. On ( XX/XX/2022 ) after closing out my bank account I noticed that Discover returned my payment. I called them immediately and was told I can just submit another payment and that it wouldnt adversely affect my account. During the call with the Discover, I disclosed that I was a XXXX veteran and that this was a XXXX situation. The representative guaranteed me that my account was in good standing and I shouldnt worry. Discover accepted and posted my payment ( XX/XX/2022 ). On XX/XX/2022 I received a bot call from what I assumed was a scam caller, the bot said my Discover account had been suspended and to check my email and sign a document for income verification. I immediately called Discover and was transferred to the verification department. The representatives were extremely unprofessional and rude and refused to explain to me why my account had been subjected to this request. After being transferred back and forth I was finally able to speak with someone who informed me that the request came from an outside party and that Discover legally had to verify my income. They wouldnt disclose who this other party was but stated that I could submit 3 bank statements and a notarized letter and submit it to them, since I dont have taxable income. I truly believe that Discover targeted me and discriminated against me because of my XXXX. Ive never experienced any problems with Discover until I disclosed my health/ income information with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
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:
My name is XXXX XXXX and I am personally submitting this complaint. Please view the attached documents as it will explain my complaint in detail for each inquiry

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 2017-11-16
Company: EQUIFAX, 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:
Please be advised I had a State of Georgia Tax lien many years ago and it has been paid in full! It was placed on my credit report back in XX/XX/XXXX! It is now XX/XX/XXXX and they still continue to report it! I have disputed it many times and they  continue to say it is accurate and it is time for it to be removed! Equifax is not verifying the data as they should they rely on some company who actually just keeps inaccurate records and they come back and say it was verified! How, when a court does not even report information to the bureau! The practice they use are not only unfair but I am sure illegal and surely unethical!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: EQUIFAX, INC.
State: SC
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:
I've mailed Debt Validation XXXX Letters to XXXX, XXXX, and Equifax dated XX/XX/2022. I also sent Method of Verification Letters regarding the negative items reported in my account. No one has responded for more than 30 days. I disputed it for lack of accuracy for the negative items added to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am contacting the CFPB as I am being given the run around from my mortgage servicing company, Ditech. My loan had been in review for a loan modification for several months when I was finally given a loan modification. The loan was never given a trial modification but I was given a permanent loan modification dated XX/X/17 was mailed out XX/XX/17 by Ditech. The agreement was due by X/XX/17. The permanent agreement was executed X/XX/17 and returned. <P/>The first payment was due X/X/17 which I have made all permanent payments from X/X/17 through X/X/17 in which Ditech accepted all of my payments. Last week, I was advised the modification was denied due to they are unable to create an affordable payment. <P/>I do not understand how I was approved for a permanent modification, made 6 monthly payments and now I can be denied?

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: EQUIFAX, INC.
State: MN
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 leasing a  2016   XXXX   XXXX . I had requested 2 months of payment deferral. I was granted the deferral for the months of  XXXX  and  XXXX   2016 . I paid the deferral fee 's of  XXXX  per month. I was told that the payments that were deferred would be put at the end of my lease.  Currently   XXXX  is reporting those months  as 30-59 days  late. I have asked them to remove these credit markers and they have told me that they are unable to do that. And that they are reporting correctly. I have disputed this information with the credit bureau 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the equifax data breach and have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: GUARANTEED RATE 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:
I have reached out to XXXX XXXX to remove a hard inquiry from my credit report on XX/XX/2021 that I did not request or authorize. XXXX XXXX claim to have sent a request to the credit reporting agency 's to remove the inquiry. This a hard inquiry in my credit file. I have provided requested information to XXXX XXXX and Guaranteed Rate that I did not authorize any loans with Guaranteed rate. Then I was informed it would be removed, and it has not. XXXX XXXX and Guaranteed Rate is responsible for this issue, and it seems that someone intentionally requested a Mortgage using my name, and Identity which is fraud. XXXX XXXX and Guaranteed Rate also failed to validate my personal information that was used without my authorization or consent. The Hard Inquiry from GUARANTEED RATE INC via XXXX XXXX is still in my XXXX credit report. I was informed in the attached letter from Guaranteed Rate, that it could take 90 days. It has been more than 120 days because my Dispute was filed in XX/XX/2021 and it's still not removed from my XXXX credit Report. I also attached my police report as well. I'm requesting this hard inquiry to be removed from my credit Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Credit Collection Services to XXXX from my tax return when thy had been informed I am in the process of bankruptcy I had told them and gave them my attorneys number and asked them not to contact me in anyway and that they had to contact my attorney well they went and took part of my federal a refund and they didnt XXXX me so I think something should be done and my XXXX $ returned. Its not much but Im in the process of XXXX as wel and I have no income and just had XXXX XXXX XXXX. They shouldnt be able to get away with that! Thank you. They are located in XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: National Credit Adjusters, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been trying to dispute this account since XXXX that has been reporting to my credit. Ive asked them to verify this debt as I have never had an account or done business with this company. 
They have sent me the same documents over and over without properly looking into my dispute to legally verify this debt belongs to me. The documents being sent to me are a bill that is dated XX/XX/XXXX. Ive asked for legal documentation correctly stating this is my account. They have failed to send me what Ive been requesting. A bill is not sufficient documentation to validate this debt. I ask that you remove this off my credit report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I owe an outstanding debt with XXXX XXXX/XXXX in the amount of {$1600.00}. It is now with a third party, Crown Asset Management. I understand that I failed my obligation to pay this debt I owe ; however, as a single parent I had financial difficulties resulting in my inability to pay. I had to repair my roof, replace my air conditioning unit, as well as fix my basement from a flooding incident. I have some funds available to settle this debt and they have refused my offer. I am in no way denying I owe the full balance ; however, my attempts to reconcile this with a more than fair offer to settle should be considered. I would like to settle this debt in full in the amount of {$800.00}. 50 % of the balance is a fair offer considering the third party purchased the debt pennies on the dollar. If approved, I can pay this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: HYUNDAI CAPITAL AMERICA
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In late XXXX of 2021 my wife and I bough caught XXXX XXXX. It took me a month to be paid back pay. In that time frame I fell behind on my car note and went 60 days past due. I reached out to Kia multiple times for help but they offer no assistance. Kias. Covid assistance can only be used if your note is current ( kind of useless ). Kia finance began calling my phone repeatedly. Up to three times a day. Hyundai/Kia called my wifes old employer and spoke with them about the debt which was humiliating. I finally spoke with an agent ( collections agent ) and she told me that my account was not secure and I needed to pay my balance before further collections activity happened she hinted at my car being repossessed. I forked out 800 dollars ( she could give no explanation on why 800 dollars would secure the car ) to ensure my family had a car. I was assured Id be fine until XXXX. That 800 dollars was all I had for almost a month to feed my toddlers. I had to borrow money from my parents to survive. Hyundai/Kia again resumed collections calls one week later. They called repeatedly primarily while I was at work. It was useless to speak to them because they will not help they just ask you to pay your balance in full. I posted a XXXX dollar payment when my back pay finally came in. Kia took 4 days to process the payment. In that 4 days my account which was current when the payment was submitted went past due by 2 days therefore making me unable to move my due date so that the current month would not be behind. So now they are calling over and over and over. I spoke with a female agent last week and told them what happened and to more or less pound sand until I pay them the XXXX I owe them for XXXX. Im fed up, they have harassed me. I have severe XXXX which causes horrible anxiety. They have driven me to consider running the car off of a bridge at one point due to their tactics and unwillingness to help. They need to be punished. I have attached photos of the many times they have called me in the last few days. They have called more than 5 times a week by my estimation however I recently deleted my received call list.

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 2017-07-10
Company: The CBE Group, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX, 2017, I sent a correspondence to the CBE Group for a verification that I owe on the debt they are reporting on my credit. Although I sent the letter, I have not received a verification or anything type of correspondence regarding this debt. I have no knowledge that the account was mine, and I demanded verification. It 's now almost 6 months later, and I have yet to receive any type of communication from The CBE Group.

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