BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-26
Company: Experian Information Solutions Inc.
State: UT
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:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a  reasonable conclusion has been determined.

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 2019-10-15
Company: Regional Management Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I received a check by mail for {$2400.00} and I checked in. I was paying regularly my debit but I found myself in a difficult situation and I didnt pay for two months. I woman XXXX, started calling me to my work place almost every day, been so rude and aggressive towards me. I explain to her that she can no longer call to my work place and I has having returned her calls even if she still abusive with me. She called me ones again asking me to my work address and I explained that I can give that to her. She in putting my work in risk with those calls. Im working to have that loan pay, but I cant right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I never authorized these accounts or Inquiries. My signature is not on anything. 

XXXX XXXX {$390.00} ... XX/XX/XXXX XXXX XXXX {$310.00} ... XX/XX/XXXX XXXX {$490.00} ... XX/XX/XXXX XXXX XXXX XXXX ... XX/XX/XXXX XXXX  {$360.00} ... XX/XX/XXXX XXXX XXXX {$590.00} ... XX/XX/XXXX XXXX XXXX {$1000.00} ... XX/XX/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 2018-01-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
When you think of Wells Fargo as a young woman in need of an education, most would automatically assume that they would tell you the truth. When I requested both loans online nothing was discussed about anything adjusting or compiling at the incredible rate is has. It has now, even though I have made timely payments quickly gone to more than {$30000.00} whine down my DTI and keeping me from buying a home or obtaining any kind of financing. When the rep from Wells Fargo called me to finalize the loan package nothing was discussed about this debt compiling so quickly and it ruining the rest of my life. I had clearly asked if zi would be able to pay that much once I graduated and I was u=assured by the representative from Wells Fargo that it would not be a problem and I could always fill out forms to delay payments. 

What good is our system if it allows this type of predatory lending to go on and for Wells to remain in the clear for their actions. I had no idea what I was getting myself into and now I have no idea what to do. These loans should have been explained properly and the full rates and fees disclosed.

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 2021-06-10
Company: SCA Collections, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX has posted false information on my credit report TWICE, The first time was a {$200.00} bill from XXXX XXXX, I proved to them that the VA had paid the bill and they Apologized after causing my XXXX Fico score to drop to XXXX. 
Now they have SIX past due bills from XXXX XXXX XXXX XXXX XXXX XXXX XXXX They had 180days to process these claims with the VA but never followed thru? THEY ARE TOTALY INCOMPETENT! I have a VA letter stating they never filed in the required 180 days required. 
They have now destroyed XXXX XXXX credit score of XXXX to XXXX that took 50 years to establish! 
I'm a XXXX year old XXXX XXXX, with a XXXX XXXX Condition. 
These people are VERY SAD!

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 2019-04-21
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Today, XX/XX/2019 I contacted Equifax to get my security freeze temporarily lifted for XXXX XXXX to be able to check my credit. 

I first tried to do this on line but do not have, nor was ever provided a ten digit PIN from Equifax when I initially placed this freeze. 

Then I called Equifax customer service and answered all their security questions properly and completely. They still denied my ability to lift my freeze and get me a new PIN. 

I spoke to a customer service rep and a supervisor, neither one of which could speak English such that I could understand them. 

I was told I could request the temporary freeze removal and get a new PIN in three to five business days if I faxed a detailed letter to them along with copies of my driver license and Social Security card which I have done. 

The purpose of this complaint is to protest the lack of customer service in helping me accomplish what I need to accomplish. The people were like robots. They could have offered any number of ways to confirm my identity immediately but refused to do so. 

Equifax has long had a terrible customer service reputation which still exists to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was diagnosed with XXXX in XXXX of 2021. I was very ill for two months and was not able to work during that time. I reported my illness to XXXX XXXX XXXX  but did not receive a response back. XXXX XXXX XXXX  reported a late payment of my loan bill but I could not pay the bill due to my XXXX  diagnoses. My XXXX XXXX loan is through SeedFi

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
American Express has repeatedly called several of my family members. The have contacted my father two times  leaving voicemails stating the nature of his call and left for specifcally adressing me not my father, the last call/voicemail was left on XX/XX/2019. They have contacted my brother XXXX XXXX twice and left voicemails stating the nature of their business and specifically adressing me not my brother. The most recent phine call/voicemail to my brother was on XX/XX/2019, also during which he stated that i have failed to address the issue with him several times now. It is the same person named XXXX? who claims to be my senior account manager. I spoke to a person with American Express in early XXXX and discussed my financial situation and that i could not pay the debt currently. They have now chosen to harrass my family members and attempt to tarnish my image with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-10
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XXXX/XXXX/XXXX I initiated a wire withdrawal from Coinbase. 
The transfer ID is XXXX The amount was for {$10000.00} USD Outgoing to XXXX XXXX XXXX XXXX The estimated payout date was XXXX XXXX - XXXX XXXX, XXXX UTC I have tried reaching out to the company through a support ticket but have not heard back. 
I am worried about my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Coinbase, Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I 'm trying to sell my crypto currency. XXXX bitcoin and XXXX ethereum in my Coinbase account. I want to liquidate and turn this into cash. Whenever I try to sell it says I need to verify my identity. I am unable to verify my identity and it gives no support. My information is correct and I am within my sales limits. I have tried countless times to verify and I get the same nonhelpful error message saying they could not verify my identity. My money is now frozen because they wo n't let me sell without verifying my identity and their identity verification is broken. I want my money out asap but they 're essentially holding it ransom. I was able to buy and sell before and then suddenly my accounts were frozen. I have uploaded my ID and given them my ssn and still can not access my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On Friday, XXXX XXXX this company started robocalling my number, my girlfriend, and my father. On Monday, the calls continued even after I spoke with them and asked to validate the debt through sending me a bill. They Continued to call my girlfriend and father and called me one more time late in the evening with no answer. On Tuesday they continued to robocall and even reached out to a ex in-laws of my girflfriend.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: U.S. BANCORP
State: OR
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 a checking account and a savings account with US Bank N.A.. I do not have -- and never have had -- any credit accounts with US Bank and do not now owe them money or have ever owed them money. 

Nonetheless, illegally and without the permissible purpose as required by federal law, US Bank continues to access my XXXX credit reports placing an " Account Review '' inquiry. The latest account review inquiry was placed by US Bank  on XX/XX/2019. They have also done this two times previously. Again, US Bank has absolutely no permissible purpose whatsoever and XXXX  also negligently gives US Bank completely unauthorized access to my credit reports. 

I have phoned US Bank on several occasions and spoken with representatives in several departments including the Recovery Department and also the Credit Bureau Department and nobody can find any information on these events. They suggest I speak with XXXX. 

Today I spoke with XXXX. They said there is nothing they can or will do. The problem, they claim, can only be solved by US Bank. 

Since account review inquiries are what are known as " soft '' inquiries and are not visible to others, I don't care about having it removed or not. I want to know ( 1 ) precisely who has accessed my credit reports, ( 2 ) why they accessed my credit reports and ( 3 ) why XXXX  was negligent in allowing this to happen. If no satisfactory results are given, I may use  the courts to seek statutory damages per the FCRA.

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 2021-08-06
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Navient on XXXX contacted my neighbors and disclosed my student loan debt and attempted to get information about me. They already have all my contacts and work information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
hello Today I was left a message at my cell voice mail to contact by XXXX XXXX at XXXX calling from law office due to non compliance I be serve with summit of complain by my local Sheriff at my local county .will demand court appearance? 
I call back the XXXX and spoke with XXXX XXXX who very rude will not answer my question on how the got my number .I ask for the law office name again but he refused to provide name. He also threat me to serve me at my work .He stated he was representing Ace Cash and I need to a pay my debt. I contact my local Ace cash at XXXX spoke with XXXX ; related the call and she advice to call XXXX or XXXX, I call XXXX an as I try to get information from agent she just wanted to know when I 'm going to paid my debt as i ask her about my call from XXXX XXXX she told me to stop interrupting and disconnected the call. 

We had multiple unforeseen family emergency 's and i have not been able to paid this debt but, feel i was not treated fair. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2019, I mailed ( per instructions from WF ) two checks that represented IRA rollovers in two separate Priority Mail envelopes to the address provided by the Wells Fargo ira savings representatives. The delivery of both packages occurred on XX/XX/2019 at XXXX, and both envelopes were signed for by the same person. On XX/XX/2019, my IRA savings account was credited for one of the checks, {$22000.00}, but not the other check in the amount of {$120000.00}. 
I phoned Wells Fargo on XX/XX/2019 to inquire about the missing deposit, and was told that they do not know where the check is, and that they would escalate the issue and that I should call back on Wednesday. 
This is completely unacceptable as a transaction, first because both envelopes were received on MOnday and then a credit was not done until Thursday, and second, because the credit was only done for one of the checks. Both checks were payable to Wells Fargo fbo .. ( insert my name ).

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 2017-09-08
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My personal information including my social security number, DOB, and address were stolen from Equifax ( www.equifaxsecurity2017.com ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: HCFS Healthcare Financial Services of TeamHealth
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX I ordered a copy of my credit report for all 3 credit bureaus and noticed some accounts that I was unaware of. The accounts seem to be errors of debt that I am unaware of. I have sent certified letter to the creditors and to all 3 credit bureaus yet no actions was taken in order to resolve this matter. I have decided to file a lawsuit against the creditors for using my consent without me, and not removing this error off my credit permanently. Your company has caused major distress to my life, has threaten to sue me and have contacted me at my job. Your company have violated me in many ways through The FCRA laws sections 604, 605, 609, 611 ( a ) ( 1 ) ( A ), ( a ) ( 7 ), ( 5 ) ( A ), 616, 617. I am not going to allow you to harass me any longer and I have filed a lawsuit. Ive tried to contact you through mail with certified documents, the phone but no response back after months. I was left to file a lawsuit against your companies. 
The erroneous status of your credit reporting agency records is unacceptable and is preventing me from obtaining necessary financing. Pursuant to Title 15, Section 1666 of the United States Code, I formally request the following documentary evidence pertaining to my account : A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted. 

Copies of all documents and financial instruments used to pay the disputed late payments. 

Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness. 

This information and documentation is critical and time is of the essence. Within less than thirty ( 30 ) days, I will be damaged partially because of the discrepancy with your reported records. The above noted code requires your response within thirty ( 30 ) days. Your prompt attention will be greatly appreciated. I hereby request that your response be mailed to the address listed below. 

If you find that your information and documentation does not support the negative history reported to the three credit bureaus, I invite you to submit a completed Universal Data Form to said bureaus in order to remove the negative notations. Upon removal of the negative notations, I agree to hold your company harmless from any and all inconvenience and/or damage related thereto. 
XXXX XXXX XXXX {$930.00}, XXXX XXXX XXXX {$670.00}, XXXX XXXX {$890.00}

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 2019-04-21
Company: Healthcare Collections-I, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A medical debt I owed to XXXX XXXX for {$560.00} was put on a monthly payment arrangement directly with XXXX XXXX* for $ XXXX/month. I paid the debt off in full, early, with the final payment being In XX/XX/XXXX. Payments were as follows : XX/XX/XXXX : {$57.00} XX/XX/XXXX : {$57.00} XX/XX/XXXX : {$57.00} XX/XX/XXXX : {$100.00} XX/XX/XXXX : {$95.00} XX/XX/XXXX : {$200.00} Total payments : {$560.00} Receipts for all payments have been attached to this complaint. 

No notice of placement with a collection agency had ever been received by me - not by phone, mail, nor email. The only bills I received were directly from XXXX   XXXX. This is confirmed and evidenced by XXXX XXXX setting up the payment arrangement *with me directly* for $ XXXX/month ( see attached evidence ), the debt being paid directly to XXXX  XXXX per their monthly payment arrangement instructions ( see attached payment receipts ). The payment arrangement I made with them had never been late nor past due, and the debt was paid off in full two months prior to the false reporting by Healthcare Collection Inc. 

As of XX/XX/XXXX the debt had been paid in full. On XX/XX/XXXX a new collection appeared on my credit reports with all three credit reporting agencies from 'Healthcare Collection Inc ' and showed ' {$57.00} past due as of XX/XX/XXXX '. There is no past due amount and there never was a late payment. 

After this item appeared on my credit reports, I lodged a dispute with all of the credit reporting agencies ; XXXX has responded stating 'The information you disputed has been verified as accurate. ' confirming that Healthcare Collection Inc is violating the Fair Credit Reporting Act as the information they are reporting is indeed inaccurate and false.

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 2019-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I have sent TRANSUNION multiple letters of verification of employers. I've informed TRANSUNION that these employers are not associated with me. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681i ( a ) ) for an entity to report inaccurate or unverifiable information on your credit report. I am writing to request the method of verification. I am requesting documentation that provides clear evidence that this account belongs to me. Actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; '' If they cant provide proof, this account must be deleted. I want these accounts deleted if they are not 100 percent right and correct. Please investigate the following account and remove it if anything is missing or not correct on 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