BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-02
Company: Avant Credit Corporation
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have taken a {$6500.00} loan out with Avant to consolidate some of my credit card debt. However I decided I wanted to payoff the remaining balanced I owed of {$4500.00} with a lower interest credit card I had so I called Avant XXXX XXXX, XXXX at XXXX to payoff my personal loan with them. The representative gave me a quote and I told him I would be using my credit card to pay off the amount. He then asked why, and I told him because I have a lower interest rate on my credit card so I would like to pay the whole amount off with it. Then he put me on hold for a few minutes than got back on the line and said I ca n't pay it off with my credit card, I can only pay the monthly installment amount. While all this was occurring I was reading the contract I have with them and no where does it state that I ca n't payoff with a credit card. So I told the representative that it does n't state anywhere on the contract that I ca n't use my credit card to payoff. And he said he was aware that it does n't state it but he continuously refused to allow me to payoff my loan. He then sent me to another rep whom was his manager. And I repeatedly said it does not state anywhere on the contract that I can not pay my loan off with the credit card. And she said yes it does n't but we ca n't and she kept on apologizing. The whole conversation was worthless. She wanted to transfer me to resolution but I asked what are they going to do? Tell me the same thing? I 'll talk to my attorney. And she said yes, I apologized. So I told her I dont want to speak to them if they ca n't help. It just does n't make sense, they will be getting their money if I pay off but it seems when I mentioned I had a lower interest rate on my credit card they did n't want to accept them because they want to make money off the interest on the monthly installments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
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:
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, In accordance with the Fair Credit Reporting act XXXX. Account # XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-07-19
Company: Experian Information Solutions Inc.
State: TX
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 submitting this complaint without any outside influence

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 2017-09-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XXXX XXXX, 2017 I opened the afore referenced account at the Wells Fargo & Company XXXX XXXX XXXX XXXX Branch in XXXX XXXX, California. I was issued an ATM card. Documents were then sent in the mail to activate the ATM Card and provide contact information for use by Wells Fargo & Company. I am enclosing with this letter copies of two screens for my account which I had to complete for the ATM card to be activated. One screen makes reference to Consumer Platinum Debit CardXXXX. That is not the ATM card that was issued to me. The Contact Information screen contained phone number ( XXXX ) XXXX-XXXX. That is not my phone number and I do not know whose it is. I dialed the number and it was answered by a woman who seemed to speak only XXXX. Something is definitely wrong with my Wells Fargo & Company account. Has my personal information been compromised? I am sufficiently alarmed by this situation to ask that you investigate what happened to this bank account once it was opened at your XXXX XXXX XXXX branch in XXXX XXXX. I believe this matter is serious enough that I will be reporting it to the Federal Reserve Bank of XXXX XXXX, the Office of the Comptroller of the Currency and the Consumer Financial Protection Bureau.

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 2022-07-19
Company: Experian Information Solutions Inc.
State: MI
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 XXXX  Accounts : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEPT OF EDUCATION/XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-07-19
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
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 XXXX XXXX XXXX XXXX has violated my rights. 15USC 1681 Section 602 states i have right to privacy 15 USC 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without written Instructions.

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 2017-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I have been shopping on-line for a new car. I get an ad from XXXX to which I responded ( X/XX/17 ) ; after I fill in the information regarding the type of car that I 'm looking for I get the following message : Next Step The next step is to obtain a copy of your most recent Credit Score. Click Below to get your FREE credit Score & Credit Report for {$1.00}. Like an XXXX, I clicked on the link and was sent to TransUnion. After providing them with their requested information I was shown my score ( XXXX ) and welcomed as a new customer to their credit monitoring service and that after a 10 free trial I would owe them {$100.00}. There was no link back to XXXX so it appears that the whole scheme was to trick people into subscribing to their monitoring service. This is nothing that I want. 
The next day, after receiving a confirming email from TransUnion, I immediately called to cancel this service. I apologize to the poor woman in XXXX to whom I talked ; I understand that she was only trying to get through the script that she had been given and my yelling at her did n't help. They did agree to cancel. Since then I have been solicited from several sources that want to help me " restore, repair my credit '' So aggravating and time consuming. It seems that we are under constant assault from these scammers and have no protection or recourse.

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 2017-09-02
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: Their investigation did not fix an error on your report

Complaint:
I have been trying to fix this problem since XXXX, but the credit bureaus just go by the word of the Creditor. I reported to the bureaus that that account is not mine because it could n't be my signature because I was fresh out of the hospital from my XXXX and unable to sit up let alone write. I want to see that paperwork with my so called signature to prove that it 's not me. I have the right under the Fair Credit Reporting act to ask and get a copy of The contract with my signature.

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 2021-04-15
Company: HOVG, LLC
State: PA
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/2021, I filed a dispute in regards to the incorrect items on my credit report and its been 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
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: Their investigation did not fix an error on your report

Complaint:
I have been trying to fix this problem since XXXX, but the credit bureaus just go by the word of the Creditor. I reported to the bureaus that that account is not mine because it could n't be my signature because I was fresh out of the hospital from my XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I want to see that paperwork with my so called signature to prove that it 's not me. I have the right under the Fair Credit Reporting act to ask and get a copy of The contract with my signature.

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 2022-09-01
Company: WELLS FARGO & COMPANY
State: TX
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:
I opened a Wells Fargo credit card account. I've had to replace the card several times because each time I get a new card, I use it for a couple weeks without problem but then I begin to see several charges that are not made by me. In the last month, I've had charges upward of XXXX from transactions like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've reported to Wells Fargo-they have credited some items, not all. I suspect that it's one of Wells Fargo 's employees who keeps getting ahold of my personal info. I never lend my card to anyone, all of the charges come at once because they know I always report the card stolen when this has happened before. I will be paying the charges that correspond to me, disputing the rest and closing the account.

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 2017-09-02
Company: Westlake Services, LLC
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: Their investigation did not fix an error on your report

Complaint:
I have been trying to fix this problem since XXXX, but the credit bureaus just go by the word of the Creditor. I reported to the bureaus that that account is not mine because it could n't be my signature because I was fresh out of the hospital from my XXXX and unable to sit up let alone write. I want to see that paperwork with my so called signature to prove that it 's not me. I have the right under the Fair Credit Reporting act to ask and get a copy of The contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Coinbase has suspended trading XXXX  and in turn prevented access to me from selling off the digital asset and withdraw my money. Coinbase refuses to allow me to convert the digital asset back to USD.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: Navient Solutions, LLC.
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have not received any private student loans since XX/XX/2005. According to statute of limitations on private student loans which is 10 years company is now unable to collect under the statue of limitations Currently I am being harassed daily through phone calls, emails, written mails, etc by Navient for repayment of private student loan. As directed I have been making payments directly to US Dept of Education in XXXX GA for federal student loans for the past few years and I am current. I am XXXX and this harassment is a huge inconvenience and very unhealthy. I will be seeking a lawyer for this misallocated payments and all harassments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
State: MD
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 Account # XXXX, XXXXXXXXXX****, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section 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 seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: EQUIFAX, INC.
State: TN
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 provided proof that XXXX XXXX XXXX is reporting the wrong balance to my credit report. They have even sent me a letter providing my balance. XXXX is reporting false on my credit report. This is a violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
This in in regards to my paypal they hold my money and said wait for 180 days.Im an online seller of virtual products to support the needs of my family in this time of crisis since i dont work anymore due to covid 19 and why they hod my money its my hard earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I attempted twice to get my free annual credit report from XXXX, Transunion and XXXX on Sunday, XXXX XXXX from the XXXX government approved site XXXX. Both times I received a notice that I was unable to get a copy of this 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 explanation
Consumer complaint received 2022-09-01
Company: Southwest Credit Systems, L.P.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
South West credit system states I have a det of XXXX I have never work with any company they do business with. Or this deat is per  XXXX XXXX deat. Any thing before XXXX was listed under the XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt allegedly was a medical bill Rash Curtis collections tried to submit a bill one year ago for {$39.00} I got that disputed and deleted last year. The last time I saw this doctor was early XXXX. The doctor nor his representatives billed me for a dime. I moved out of the State in XXXX, this debt if correct would be over 7 years ago, XXXX Rash Curtis has falsified the date to cover their rationale for pursuing me on the old fictional debt. Rash Curtis was notified in XXXX of my attorneys phone number and address. Please help me resolve this collection that shows up on my XXXX  report.My attorneys state that they received no notifications from Rash Curtis of any outstanding debt after they got the {$39.00} debt disputed and deleted last year. Rad Curtis has never provided any prima facile evidence of a bill from my former doctor showing any balance due. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have made several attempts to contact the company regarding the debt and several inaccuracies. Now, my credit report shows the debt was sold to another lender and the information about the new lender is not available. I have tried to get proof such debt exists, but am unable to communicate with Universal Acceptance about the account in question, incorrect information on my credit report and etc. 
Furthermore, Universal Acceptance was asked to send proof of original debt to me when I disputed the claim in XX/XX/XXXX. Instead, the collection was hidden on my report and then they sold the account to a new lender and will not disclose the new lenders contact information. I feel as if I was also victimized as a client of Carhop since the purchase of my vehicle in XX/XX/XXXX. 
Carhop has been sued for jeopardizing Consumers Credit as noted on CFPB website, confirming they have used false information and disclosed inaccurate credit reporting on my credit history.

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 2017-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 am a victim of identity theft There has been a breach of my personal information as : A credit card account, multiple cell phone accounts, an installment loan, and credit inquiries have been placed on my credit reports and has ruined my reputation with certain businesses. 

I 'm formally requesting for it all to be removed immediately from my credit file.

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