BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-28
Company: Credit Karma, LLC
State: CA
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:
This is a complaint against XXXX XXXX XXXX and credit karma. This is regarding XXXX XXXX pulling my credit without my authorization. On the XXXX of XXXX, XXXX I received a call at XXXX XXXX from XXXX XXXX XXXX  ( phone # XXXX XXXX XXXX ) offering a pre-qualified loan, without mentioning the amount. The person that I talked to said that one of the requirements was to have a cars title under my name, I said that I dont have a cars title as I use the car provided by my employer. After that the call hang up and I did not hear from them anymore. Later that day I received an alert from credit karma saying that I have a new inquiry. I checked my credit report and I noticed that XXXX XXXX XXXX pulled my credit without my consent. I also noticed that the same company pulled my credit in the past without my authorization in the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I m asking to remove the inquiries of XXXX XXXX XXXX from XXXX, XXXX and XXXX as I never authorized them to pull my credit, nor was informed of the access to my credit. I believe that credit karma sold my information and thats how XXXX XXXX XXXX accessed my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: Experian Information Solutions Inc.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have received three emails from Experian stating that an entry was made in my report for a large loan which affects my FICO score. I made 5 calls to the company using various published numbers. I was only trying to verify that the emails were not fraudulent. 

Experian, prior to connecting you with a live person ( if one exists ), requires that you provide them with your Social Security number and then proceeds to ask a number of personal questions. After each response, you are then greeted by a filter asking more questions and giving the caller pre-determined choices that do not cover the information sought for. If you ask to speak to a representative the computer responds that it does not understand your request. It then disconnects you. 

Experian has effectively isolated itself from the nation. Even the telephone number provided by the XXXX is controlled by this voice mail system. Additionally, when referred to their various sites, you are bombarded with offers to provide services for other products each costing additional monies. Why are we allowing a credit bureau such freedom of action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: WELLS FARGO & COMPANY
State: SC
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:
I don't have dates at the moment, but I have definitely had problems with Wells Fargo 's surprising overdraft fees. On numerous occasions. I've been with this bank for over 30 years now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16
Company: OneMain Finance Corporation
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My experience account One Main whom I've closed both accounts by paying both off recently the older account was a second mortgage that was open with the financial company XXXX and the account had been turned over to One Main or bought out I was never late the account is showing late payment it's hurting my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see page 41 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: JPMORGAN CHASE & CO.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Chase Slate sold my account to XXXX XXXX XXXX in 2019. Then they reported cancelled debt to the IRS. The are wrong to report it as cancelled as I settled the account with XXXX XXXX XXXX and not Chase. The amounts cancelled are listed as close to {$1900.00}. I settled the account for about {$1700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Capio Partners, LLC
State: MA
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 got an alert from my credit score indicating that I had a new account open with a Derogatory Remark from ASSETCARE LLC for an unpaid collection of {$980.00}. I haven't received any communication from this company before in any way ( phone, mail or email ). Since I had no knowledge of any unpaid amounts, I reviewed my statements from my healthcare providers and insurance companies and confirmed that I didn't have any unpaid amounts with them. Days later, the name of the company in my credit report changed from ASSETCARE LLC to COLLECTION. I send a certified letter to the address listed on my credit report ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ) requesting supporting documentation for that debt. The current status of that letter is that it was " forwarded '' due to " forwarding instructions or because the address or ZIP Code on the label was incorrect '' ( the address was exactly the same as listed on the credit score report ). 
As a result of this Derogatory Remark, my credit score fell by +100 points. Given that the ASSETCARE LLC / COLLECTION is not responding to my mail, the fact that I have no knowledge of the source for this Derogatory Remark, the change in the company name in the credit score report, and the complete lack of communication from ASSETCARE LLC / COLLECTION before affecting my credit score, I request that they provide information supporting the Derogatory Remark and that they delete it from my credit score if they are not able to provide it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
Company: AMERICAN EXPRESS COMPANY
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against American Express for their failure to properly address a fraudulent transaction on my account. On XX/XX/2023, I paid {$900.00} for a video game account through XXXX ( https : XXXX ), a third-party merchant platform, which was later determined to have been hacked and recovered by the original owner. Despite receiving confirmation from XXXX that I would receive a refund in such an event, the merchant has since refused to provide any assistance or refund. I have attempted to work with American Express to resolve this matter, but their dispute team has proven to be incompetent and unresponsive. Despite numerous attempts to escalate the matter and speak with supervisors, American Express has failed to adequately investigate or properly resolve my case. It is clear from the evidence I have presented that I was scammed and deserve a refund, yet American Express continues to protect the fraudulent merchant. American Express 's failure to protect its customers from fraudulent merchants like XXXX is unacceptable. By allowing bad actors to take advantage of their customers, American Express is failing in its duty to provide a secure and trustworthy platform for financial transactions. I am deeply disappointed in American Express 's handling of this matter and believe that they must take immediate action to rectify the situation. I am requesting that the Consumer Financial Protection Bureau investigate this matter and hold American Express accountable for their actions. I also request that the CFPB take steps to ensure that American Express and other financial institutions take more proactive measures to prevent fraudulent transactions from occurring in the future. 

Thank you for your attention to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-23
Company: Bread Financial Holdings, Inc.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a prelegal notice from XXXX XXXX XXXX that I have a debt of at Comenity Capital Bank. They give me warning that if they do not hear from me or receive payment by this month, they will go to an attorney. 
For your information, I have never lent money to any bank. In addition, this pre-legal letter was the first mail I received from this bank. 
Therefore, it is obvious that my identity is stolen and used here. 
In this circumstances, I would like to request your help to stop this harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: Mercari, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I am a seller on the Mercari phone app and want to reach out with regards to an issue. I received an email with no prior warning or message from Mercari that my account has been closed and funds frozen as I was selling " non-authentic items ''. Firstly, I will agree to the fact that I was unaware that using stock photos was unacceptable. But Mercari should have reached out to me. I have been a well respected seller since 2015 with tons of ( 75+ ) 5 star reviews. I am quite disappointed that my account would just be closed. I have receipts and valid serial numbers for all items I sold. There are a lot of scammers and competitors who try to harm others, and therefore I did not list any of the serial numbers. I received 5 pieces of the same item so thought I could use the picture ( my own picture ) I took multiple times. If this was an issue, Mercari could have reached out and I could have fixed the issue. Rather than taking the decision of just closing my account. I am requesting for the company to re-evaluate my case, release my frozen funds and get back to me and I will be more than happy to provide all valid receipts and valid serial numbers.

This is theft as I have read hundreds of other sellers who experience the same issue. Mercari is stealing innocent seller 's money and profiting off us on the application. 

Date of account closure : Thursday XX/XX/XXXX. 
Seller on Mercari app since : 2015 Number of 5 star reviews : 75+ Email on account : XXXX Name of store : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: GREAT LAKES
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
About XX/XX/XXXX I began working toward filing a request for an IDR plan with Great Lakes Borrower service. They had contacted me regarding an upcoming payment to be made in the amount of {$1000.00}. This is far more than I can afford right now so I went onto their website to attempt to file for an IDR. I was told I qualified for an income driven repayment plan and was directed to studentloans.gov where I began to process my request. Part of the way through that application it sent me to irs.gov where I encountered my first problem. There was some problem with the irs.gov form submitting my information. As it was only a few weeks until my due date, I did not wish to rely on paper mail. So I called Great Lakes, figuring I must not be the first person with the problem. The person on the phone did not even let me finish explaining my problem before telling me just to download the app. She said that if I submitted my request on the app I could use images of my paychecks as proof of income and not have to worry about issues with the irs website. Wonderful. So I downloaded the app and submitted the requested documents, proof of payments over the last 90 days. The service told me that my documents had been accepted and that if they needed additional information to finalize my IDR plan request they would contact me. Today, the day BEFORE my payment was due, I logged in online just to ensure that everything was properly set up, only to discover that Great Lakes had never finalized my IDR, or perhaps they did, their website is so misleading I'm not sure, and they are already processing a payment for {$1000.00}. I was told that my lDR payment would be about {$120.00}. I am a XXXX XXXX XXXX, there is no way I can afford to pay over a thousand dollars a month for anything, let alone a loan which will qualify for forgiveness after 10 years of payments. I tried to contact Great Lakes, somehow they are able to process my payment on a non business day but are unable to answer the phone. I feel as though they have on their website, on their app, and through personal communication attempted to mislead me about what I needed to do to re-new my IDR. I have submitted a complaint with them as well, requesting a refund on the incorrect and early payment or that this payment be applied toward future payments. They are a horrible service, and if it is possible for me to finance my loans through someone else, I would like to do that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, my Coinbase and Coinbase PRO accounts were accessed without my approval and apparently without 2 factor authorization. Unauthorized and fraudulent transactions were made in both Coinbase and Coinbase PRO accounts resulting in {$200000.00} worth of crypto currency being siphoned and stolen from my accounts. I immediately contacted Coinbase on XX/XX/2022 to notify them of this activity and the multiple unauthorized transactions of under {$10000.00} each. I was just assigned a Case Number that Coinbase states that they will reference while taking 30-45 days to investigate my case. That number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2022-01-18
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Yes : I will call Navient again, but right now Federal Student Loans are on a pause. I began the process of beginning repayment since they were to have begun again at XXXX 's end and I'm being told that I'd have to specifically request forebearance and it would need be approved, which seems unfair ; I have another servicer who automatically implemented the executive order, but Navient has been really aggressive. I'm sure I'm not the only debtor experiencing this and have contacted my representative. I'm happy to provide more details, but thus seems really unfair under the circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: Loan Science, LLC
State: NJ
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:
XXXX and XXXX are not updating my credit report for one negative item. XXXX and XXXX keeps providing bogus information claiming that my negative item was investigated. I personally contacted the creditor on XX/XX/XXXX and XX/XX/XXXX to confirm and they NO LONGER have the disputed account on their records since XXXX. XXXX and XXXX " investigation '' stated that this creditor reported their first delinquency on XXXX. The creditor got paid through my already dismissed chapter XXXX that was filed on XX/XX/XXXX and discharged XX/XX/XXXX. The chapter XXXX has already been deleted from my credit reports along with all the involved accounts except this one.

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