BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no knowledge of these inquiries. I didnt fill out these applications and never signed off on any of these. I am a victim of Identity fraud. I spoke to a rep from XXXX, XXXX, and equifax on the phone today and they were not able to help me through this, so I told them I would reach out to you all. 

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  XXXX XXXX XXXX XXXX XXXX XXXX Equifax account inquires : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no knowledge of these inquiries. I didnt fill out these applications and never signed off on any of these. I am a victim of Identity fraud. I spoke to a rep from XXXX, transunion, and XXXX on the phone today and they were not able to help me through this, so I told them I would reach out to you all. 

XXXX XXXX : inquiries XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Transunion account inquires : 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

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 2017-06-25
Company: Coinbase, Inc.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Coinbase Inc.    XXXX  Every time the  XXXX  market price dips the Coinbase systems shuts down buying and selling of the currency. It makes it impossible for investors remain in control of their investment and ties our hands. It happens EVERY TIME the price changes and is not available for HOURS. Investors are at the mercy of the market and can only watch the price spike or plummet and have no control of our investment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposeXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: EQUIFAX, 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 reached the peak of my peatiece bedacuse of the credit Bureaus inability to verify the information being reported on my Credit report. I started disputing the accounts from my Credit report which I believe to be reporting erroneous information on XX/XX/XXXX and the the most recent letter I sent was dated XX/XX/XXXX with complete attachments of my personal identifying documents. I have been requesting the Credit Bureaus to correct the information they present on my Credit File and yet they have done nothing! The Credit Bureaus are required to verify for themselves. They have continued reporting the disputed account claiming to be reporting accurate and verified information. I do not agree with their findings and demanded documents as proofs of verification which they have faield to provide. The following accounts which I believe to be reporting erroneous information must be deleted under the provisions of the Fair Credit Reporting Act : DEPTEDXXXX XXXX Balance Owed : {$2300.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXXXXXX Balance Owed : {$1800.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Balance Owed : {$28000.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: Navient Solutions, LLC.
State: GA
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 fighting the accuracy of my 12 student loans that have been out of default sine last year of XX/XX/XXXX where i did a rehabilitation program with XXXX and all of my loans have been out of default and paid as agreed with a zero balance as i have also consolidated all of the 12 loans into 1 loan! I sent a email to the CEO of Navient and got a email back from one of his workers! XXXX XXXX! she informed me that i did in fact have them as my servicer as the original bank XXXX sold it to them back in XX/XX/XXXX! Now inXX/XX/XXXX i had lost my job and apartment so I never received the mail and or the welcome letter that XXXX stated that they infect sent out! Well today she emailed me a letter saying they could not removed the payment status of 120 past due as that event happened before i rehabbed my loans although XXXX the ORIGINAL bank has done so once i completed my program, but yet XXXX XXXX is saying they can NOT! In the welcome letter that XXXX XXXX sent me it Clearly states that XXXX sold them only 3 of the 12 loans! Which i still never received that letter, she emailed it to me today to show they had a letter but there was no proof to show it was actually mailed out but i would not have gotten it as I was not living at that address. It shows that these loans are supposed to fall of my report next yearXX/XX/XXXX! but these 12 accounts that are not even theirs are showing 120 days past due is making it hard for me to get a home. I sent a goodwill letter and have had no luck! But with the information I have they only brought 3 of the 12 loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: CASHCALL, INC.
State: AL
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
This debt was cleared in chapter XXXX - they have been told repeatedly since they started calling me after I completed chapter XXXX in XX/XX/XXXX/XX/XX/XXXX that it was included and it was illegal for them to try and collect. They have harassed me on and off since and would stop when I threatened legal action last year. Now they have reported to my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, U S DEPT OF EDXXXX XXXX, US DEPT ED XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX, and XXXX XXXX have 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 response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: Bridgecrest Acceptance Corporation
State: IL
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: Problem with personal statement of dispute

Complaint:
BRIDGECREST XX/XX/XXXX XX/XX/XXXX or the XX/XX/XXXX the vehicle was confiscated from fleeing and eluding the police which I wasnt part of the court found me not guilty, but before that I alerted The finance company to come get there vehicle because of the police impounded they said they were gone charge me to get it out I said thats fine but instead of them getting it out I was still paying my car note even when it was in the impounded the by the police saying the vehicle wasnt not ever to be released back to me BRIDGECREST let the vehicle sit until XXXX when trying to get which the yard told them car was XXXX dollars so BRIDGECREST handed them title which I have court papers and police and XXXX mayor signature that the car wasnt released back to me when they could of had got it when I got lock up with the vehicle they let it build so it could impact my credit from owing debt so please investigate and remove from my credit report Persut to ( FCRA )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: Capital Collections, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself. CAP COLLECT account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to CAP COLLECT but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( CAP COLLECT XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
Company: TD BANK US HOLDING COMPANY
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On the following dates, various people from XXXX XXXX have called my husbands work cell phone and my fathers work cell phone asking for me. 
XXXX, XXXX, XXXX and XXXX. The calls in XXXX were a representative named XXXX XXXX at XXXX extension XXXX. 

XXXX XXXX has my phone number and I have spoken to a few people there requesting that they not call other people looking for me. I do not have a mailing address, but have an email customer service address and have requested at least twice ( XXXX and XXXX ) that they not call either my husband or my father. 

There has not been any written correspondence received from this company. I do not know why they are calling looking for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-23
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:
Experian and XXXX XXXX are fraudulently reporting my XXXX account with a balance and incorrect information. This account was settled in full based upon a written settlement agreement made between XXXX and their representative and myself. Disputes have since been filed multiple times with the credit bureaus and XXXX fraudulently reports the data to the credit bureaus as correct when it is not. XXXX and their collections group, XXXX also violated the Rosenthal act 5 times by contacting me between XXXX, despite being reminded they were violating federal laws.

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 2018-05-12
Company: CORELOGIC INC
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Credco Inquiry from

XX/XX/XXXX - Misc. This inquiry could stay on your report untilXX/XX/XXXX
.

See an error?

Find out how to dispute a hard inquiry Institution Information Credco  XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I have been charged for merchant services from XXXX XXXX XXXX Bank of America since XX/XX/17. These services have been canceled. I have contacted Bank of America 4 times to stop this. They have forwarded me to first data to stop this. While they agree the services have been stopped they continue to charge me and refuse to reimburse the funds I consider stolen from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: NAVY FEDERAL CREDIT UNION
State: TN
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:
Hello I humble myself to make a request for deleted payment. I have been a loyal client and have over 50 credit account most of which were revolving accounts 40 plus of them. I humble myself to ask after making attempts in the past to have the company forgive my one or two max late payments. Im asking if you could intervene on my behalf.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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  Account XXXX XXXX XXXX XXXX. 
Account XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX  Bankruptcy Reference XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A States that I have the rights 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 2017-04-15
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I was having hardship in paying my loan off and was offered a forbearance option twice not really understanding that it would increase my loan even more. I do n't remember ever being given the option of and income driven based option. I would very much like to see if this would work better for me. I have a direct subsidized/unsubsidized XXXX loan. I graduated with a XXXX degree. I saw on the federal website that the interest rates for undergraduates should be about 3.7 % and unsubsidized graduates should be about 5.31 %. I am not understanding why my interest rate is about 6.9 % for unsubsidized direct XXXX loan. Is this due to the forbearances? Just need clearer understanding of what is going on. I am not a XXXX student and have no desire to get a XXXX degree.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: Pendrick Capital Partners Holding, LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I visited XXXX in XXXX on XXXX/XXXX/XXXX. I worked with the billing agency XXXX XXXX to pay off my medical bill which was paid in full XXXX/XXXX/XXXX. 
On XXXX/XXXX/XXXX Pendrick Capital Partners II, LLC purchased the account and sent Affiliate Asset Solutions , LLC to obtain the " debt ''. I called XXXX and Affliate Asset Solutions to provide proof the account was and had been paid in full for almost 2yrs. 
On XXXX/XXXX/XXXX Pendrick Capital Partners II, LLC sent XXXX to obtain the " debt ''. I called XXXX and XXXX and AGAIN provided proof the account was and had been paid in full for 2.5yrs. 
I am concerned at this point that PENDRICK CAPITAL PARTNERS II, LLC will continue selling this account FRAUDULENTLY and passing my sensitive information from credit collector to credit collector. My name, date of birth, address, and other information could be compromised at this point with continuous disbursement to various collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
they call asking for someone else and keep calling leaving voicemails asking for a person that is not me. i blocked the caller and they leave long voicemails asking that i give them a call back to resolve a issue i dont have with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-29
Company: Navient Solutions, 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: Account status incorrect

Complaint:
In 2013 I consolidated my student loans through XXXX XXXX. Since this time I have been paying my consolidated loans on time and they are in good standing with Navient ( after it broke off with XXXX XXXX ). Several months ago I was looking at my credit report online and the score dropped over 100 points. I looked checked why and it turns out that XXXX XXXX, for some reason, did not pay off the entirety of my loans that were to have been consolidated. The total amount owed now is rather small, I think around {$50.00}, so I am not concerned about that. I am, however, concerned about the damage that was done to my credit report. I have in the past several months I have called the Department of Education as well as the company now owning the loans who both tell me to contact Navient. I have contacted Navient several times and every time the customer service representative is very understanding and helpful but nothing ever comes from the call. The loans are still not payed and they have not said that there is any reason why they should not be payed and my credit score is still down over 100 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I submitted a copy of my state 's driver 's license and social security card to the agency to verify my identity and to remove the different variations of my name, incorrect addresses, incorrect telephone numbers, incorrect social security number, and non factual unauthorized hard inquiries from the following : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX & XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX.I received a response 4 days after my dispute it can be assumed that there was no investigation. I am submitting this complaint due to the lack of investigation of my original dispute of incorrect identifying information and for non factual unauthorized hard inquiries that does n't belong to me. I did n't sign for anything this is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

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 2017-04-13
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I attempted to pay off one of my larger loans but the payment was dispersed among all of my loans instead of the specific loan I was attempting to pay off. after multiple calls I was able to speak with a manager to fix the issue. When Navient attempted to fix the issue I was charged interest on my original unpaid full amount while they corrected the issue, even though if they applied the payment correctly, there should have been no interest as the load was paid off. The interest amount during the correction time ( roughly 1 week ) was not a lot but I still found it unfair. Near the time of submitting the payment, Navinet compounded the interest ( or add it to ) the overall amount that I borrowed, essentially charging me interest on top of interest. A few years later while on Income Based Repayment ( IBR ), I was not notified my end date was approaching and it was not until the cost of my loans skyrocketed before I realized I was no longer on Income Based Repayment. I quickly reapplied but it took about 2 months for them to update my account to IBR.

Company response to consumer: Closed with explanation