BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-21
Company: Experian Information Solutions Inc.
State: FL
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 discovered that some of the items on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reported items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that needs to be investigated and corrected : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
Company: Experian Information Solutions Inc.
State: SC
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 list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Have violated my rights. 
15 USC 1681 Section 602 A : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : States A consume reporting agency can not furnish a section without my written instructions.

15 USC 1681 C ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.

15 USC 1681 S-2 ( a ) ( 1 ) : states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-12-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
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:
On my credit report capital one charged this account off XX/XX/2020 Now they are reporting it as XXXX days late payment since the charge off. The summer due shown is XXXX so it is impossible to have a late payment. They just added all this late payments when I disputed this account last month. Therefore it seems to be retribution and I cant even contact capita one. They have sold the debt to a collection agency so Im not sure how they are reporting XXXX day late payment after they charged the account off. Im trying to settle this account but they are making it extremely difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Experian Information Solutions Inc.
State: CT
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:
Try to resolve with credit bureaus and no results

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 2017-12-18
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Since XXXX XXXX XXXX, I have been getting the error message : " Sorry, account temporarily XXXX. Please contact support. '' when logging in from my authorized device. My Case ID is # XXXX I have XXXX factor authentication enabled, so am not sure why this happened in the first place. 

I have had no issues with verification and have previously made XXXX purchases on my account. I messaged support via their website on XXXX XXXX XXXX and only received a holding response thanking me for my query, so I called up their support number on XXXX XXXX XXXX, got through after XXXX mins waiting. I was told that I had to " reset my password '' and that my issue had been " escalated to a XXXX ''. They sent me an email confirming this. I successfully reset my password but still have been unable to access my own account. 

Once again, I called support on XXXX XXXX XXXX, got through after an hour, but no support offered beyond reiterating the previous message that my issue had been escalated and I was asked to " be patient ''. No timeframe was given as to when my seemingly straightforward issue would be resolved. 

It 's been over a week now of having a significant amount of money tied up in my account which I can not even access. I am not sure when this will be resolved, will they grant me access to my account in a few weeks / months / years? 

This company seems willing to accept deposits, but does n't allow customers to even access their accounts - this raises questions as to their legitimacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: WLCC
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
Informed Expore Credit they can no longer withdrawal funds from my account via email and text. They have continued to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: EQUIFAX, INC.
State: NC
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:
The 3 major credit bureaus are reporting on my credit report unverified accounts and will not show or send proof of these accounts on my credit reports such as a original consumer contract with my signature on it. Under the FCRA 15 USC 1681i all unverified accounts must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: MoneyLion Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
On XX/XX/XXXX, I received a loan deposit from money lion plus of {$500.00}. Within 3 days of receiving the loan, I checked my money lion account yo see when my first payment will be scheduled. It showed that I owed a fee of {$19.00} months until I pay the loan off. It also showed that I will be paying a membership fee of {$36.00} biweekly in addition to my biweekly payments. I called them and was explained that its a membership fee since they dont run credit. And at the end of the loan term it will be reported to the credit bureaus. Well to start off, the membership fees are not conspicuous, you dont notice them or know about it until you have applied and funds have been deposited and nothing you can do but stay XXXX in this trap. This is definitely iilegal.

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 2021-05-08
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Credit Systems is reporting a debt that is fraudulent. The company has been provided with a police report and FTC affidavit. I have asked them to send all the proof of said debt. " debt validation " according to the FDCPA. In addition then continued to contact me and hinder my credit without providing the requested information. The original debt company has confirmed Fraud and that I was NOT the person that created the debt. However National credit Systems continues to reporting Bogus information to my credit r When they were to remove, change or validate the debt with the credit bureau .. National Credit systems added {$1.00} to the debt. These practices are unethical and should not be allowed to continue. I have all of the required Fraud documentation. In addition, I was told that I need to provided copies of my governmental IDs. The collections agencies can use anything provided to them to attempt to collect a debt whether it is valid, and or fraud.. WHY would I oblige that request as this is already FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
on XX/XX/XXXX around XXXX a stranger approached me and asked me to deposit a check for them because they needed the cash since their account was overdrawn a large amount. I thought nothing of it since checks usually go right through and I proceeded to enter my information into the atm, I let the stranger deposit their check and he then asks me to withdraw the amount deposited and hand it to him. The strangers body language made me uncomfortable I didn't know if he had a knife, so I did as I was instructed and thought nothing of it. Approximately 15 minutes later it hits me that if the check bounces I'll lose that money. So I immediately call XXXX customer support and report that I've just been scammed. After at least 5 phonecalls they tell me there's nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: Upgrade, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/2022 I made a {$5000.00} payment to upgrade it took a couple days for bank to release payment. Upgrade customer service indicated on the XXXX that they do show a payment was made on the XXXX of XXXX. On the XXXX of XX/XX/2022 I go to use my upgrade credit card thinking because I made my payment and according to upgrade it's paid I should be able to use my card. Only to be of no avail due to unfair consumer practices of not making my credit immediately available once payment is made. Now I'm in store knowing I have a certain amount of credit available because I paid it. The real problem is if I didn't pay my bill on time they would report me to credit bureaus and tack on interest for late payment. How fair is it to me as a consumer to make my payments on time or a head of time only to be denied access to a service that the agreement is as long as I pay my bill I will have credit available. This is not the case with upgrade I have to wait 7 to 10 business days to have funds that I pay to have available to me. It's supposed to be you pay your bill you continue to receive service according to upgrade policy and terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: Collection Service Center, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The XXXX XXXX XXXX XXXX sent my bill to a collection agency while the bill was still in dispute. The XXXX billing office sent me a bill charging me for services, which was more than twice the amount I owed ( the amount based on the contracted rate from my insurance provider is much lower ). They have sent me this bill 3 times and then sent it to collections, even though I have informed them that I should get a contracted rate for these services, based on information from my health insurance provider XXXX. I am in discussions with my insurance provider to have the bill reprocessed and I have called the XXXX XXXX XXXXXXXX XXXX billing office twice so far disputing the bill and informing them that the bill is being reprocessed to reflect the contracted rate from my insurance provider. They ignored this piece of information and went ahead and sent it to a collection agency anyway instead of waiting for the reprocessed bill for the lower amount from my insurance provider. Moreover my insurance provider has since paid a portion of this bill to the XXXX XXXX XXXXXXXX XXXX as the attached claim details ( from XXXX ) show. 

At least 3 bills were sent to me from the City of XXXX XXXX, the latest one being from their collections department on XXXX XXXX. I have called and explained to them that the bill is being reprocessed and I need to wait before I can get the reprocessed to pay the exact amount I owe - my last call was on XXXX/XXXX/XXXX. 

My insurance provider has since paid a portion of the bill, so it also needs to be adjusted to reflect the amount already paid. 

In addition to this causing me unnecessary stress and anxiety over the financial matter, it could potentially affect my credit history at a very sensitive time for me when I am trying to buy a home and my credit standing is extremely important.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Nelnet, Inc.
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Nelnet 's website is saying that it does not have my information and is making me re-register with them. The call-service hours are incredibly inconvenient, and when I do call, the wait times are unreasonably long, making registering/re-registering impossible for me without having to take a day off of work to get it sorted out. The FSA website says that the loan is through them and I owe, but I feel like Nelnet are making it impossible and inconvenient to pay in order to scam people with late fees. I am late on my most recent payment ( I use to be able to pay through FSA website ) and might have to pay fees because I can't get a hold of anyone to help me actually get into my account. I have also stopped getting text notifications for upcoming due dates and paper statements for some reason, and just have no means to send in my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was hanging out with my girlfriend and I check my account and there where XXXX checks XXXX and XXXX and I had no clue what they where. The XXXX XXXX got approved by the bank and the money was put into my account However the XXXX one didn't cause I called in and reported them. Then they did there thing and said it came up false and then the other one said I was fine and there was no charges to me and they resolved it. Then I had an old friend phone number after say they hacked my bank and the name was XXXX. I was super confused cause it was specific. I went to the branch and they said the same thing it was my fault or something cause of the XXXX {$1000.00} XXXX payments and that happened when THEY allowed a XXXX check that was fake go into my account. It was no longer pending and was a really check according to whoever looked at it. Then I seen it and it wasn't even my signature. So they let a check that wasn't my signature in and they still said they couldn't do anything and I had to pay for it all. This was weird because someone hacked into my account and put fraudulent checks that I called in about and sent money off after XXXX check got approved. Then I called in and reported all this and then they did nothing about there mess up.

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 2022-12-22
Company: Experian Information Solutions Inc.
State: VA
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2017-12-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
the following unauthorized inquiry need to be removed : Made by : CAPITAL ONE AUTO FINANCE Made on : XX/XX/2017 To my knowledge, I have not signed any documents authorizing this organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. 
Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Hello, On XX/XX/2020 and my XX/XX/2020, my bank account was my Chase Bank checking account was withdrawn for the amount of {$1800.00}. 
XXXX by my mortgage company XXXX XXXX XXXX. 
When I contacted the mortgage company, they said that they were only able to refund a single payment for {$1800.00} because they only received one payment. The mortgage company has said that Chase bank stopped payment on the other, so it never showed in the mortgage system and thus doesn't exist. 
At this point I called my bank to report and resolve the error. Chase representative was quick to issue a credit. However, once a review was done on the account Chase saw one credit for {$1800.00} and reversed their initial credit from my account. So at this point I am back to having two debits for {$1800.00} and a single credit from the mortgage company for {$1800.00}. 

XXXX XXXX XXXX remains to state they only received a single credit, which they refunded, so a payment for XXXX was still due and I had to send them another payment to remain current for the correct mortgage amount of {$1700.00}. Chase Bank on their side informed me they filled the initial dispute incorrectly and was going to resubmit for the credit to be placed back to my account. 

Now, over a month later ( XXXX XXXX, 2020 ), Chase informed me that they are not going to help or correct their error and they consider that the matter is resolved. Meanwhile, I and missing a total of {$1800.00} that no one is willing or trying to locate. Its vital for my livelihood and my young family that this matter is taken seriously and resolve with locating my funds and adding them back into my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-09
Company: Nelnet, Inc.
State: UT
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I attended XXXX XXXX XXXX, in XXXX to XXXX due to college shutdown of fraudulent and scams, and lawsuit, school was closed, I received a email from fed loan servcing on behalf of XXXX XXXX chief operator advising loan discharge due to breaks code laws

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX told all XXXX credit reporting agencies to zero out the balance yet all XXXX keeps coming back as verify by XXXX bank that the balance is correct here is XXXX letter from them stating they told them to zero the balance now its time to delete

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 2018-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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: Card was charged for something you did not purchase with the card

Complaint:
In XX/XX/2018, There was fraud on my account from XXXX and a XXXX ; sClub in the amount of totaling XXXX XXXX dollars. I did not make nor purchase from XXXX XXXX nor XXXX. I receive a letter from Capital One stating that they have completed their investigation on XX/XX/2018. I have called Capital one and they have stated that they have not completed their investigation, so I decided to file a compliant, because the company has a XXXX liability, but is not wanting to use it. So I decided to file a compliant. I spoke with a rep on XX/XX/2018 and stated to me that available amount of the fraud charges will be on my account on the XXXX of XXXX. But when I looked at my account I saw that their was no available accredit, nor did I see any credit for the fraud charges.

Company response to consumer: Closed with explanation