BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-20
Company: PORTFOLIO RECOVERY ASSOCIATES 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 filed a dispute with all 3 credit bureaus. The incorrect information was not changed on my credit report. I emailed PRA on XX/XX/2019 letting them know that the account needed to be removed and informing them of the correct information. Still after this the account came back to the credit bureau as correct. PRA is reportint two accounts on my credit incorrectly. One for {$550.00} and the other for {$1300.00}. They are reporting seriously past due as a payment status and they are not an OC. They are a debt collector. Collectors can only report collection accounts. They are reporting a past due amount and they are a debt collector. They are reporting terms of 1 month. I have never agreed to terms with this company as they are a debt collector, no such contract exists and debt collectors can't report open terms. They are also reporting failed payment history. There is no payment history as they are a debt collector not an OC. These two accounts need to be removed from all 3 of my credit reports as I have notified the companies of their violations and they have refused to fix them. They are also reporting that they are correct. They are updating failed payments monthly which is also a violation as they are a debt collector and are causing further damage to my credit. I mailed documentation to them XX/XX/2019 showing the inaccuracies with a letter asking them one last time to correct these immidiately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
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: Investigation took more than 30 days

Complaint:
Investigation was done more than XXXX days and yet not has changed, my credit report still has incorrect, misleading, inaccurate information that violates my rights...

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 2022-08-17
Company: EQUIFAX, INC.
State: AR
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX Balance {$5000.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance : {$720.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: Experian Information Solutions Inc.
State: GA
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:
Hello, I noticed that I had a lot of inquiries that I did n't not authorized I spoke with someone at  XXXX , Experian and  XXXX  they told me to send in a dispute with all the inquiries. I did that then they told me they could n't do anything I have to contact the creditors myself. my report correctly have a fraud alert due to all of the misinformation I 'm trying to get cleaned up.   XXXX   told me to place a fraud alert on my report and dispute any inaccuracies but now they do n't want to help me. I placed a fraud alert on all  XXXX  of my reports and disputed all of the inquiries that I did n't authorized.

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 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I have requested XXXX XXXX XXXX XXXX to fix my credit we have made payments on time and they are still showing missed credit payments

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 2023-02-03
Company: Experian Information Solutions Inc.
State: ID
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:
15 usc 1681 ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 
On or about XX/XX/XXXX results from a disputed account XXXX XXXX returned with a notification the account was deleted as result to my demand for dispute validation and reinvestigation. The initial dispute was accompanied by document in which proved the account was conducted with fraud and I was not legally responsible. XX/XX/XXXX deleted personal information was deleted such as addresses and names as a result of a dispute. Both in which were reinserted. XXXX eclipse was updated as result of a dispute however I did not submit a dispute as I believed the account to be deleted. I demanded reinvestigation deletion as reinserting is a violation. No results were sent to me the account remains. XX/XX/XXXX an additional demand for reinvestment and to delete. The results were not sent only a letter stating the dispute was frivolous

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 2023-12-07
Company: W&A Intermediate Co., LLC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called the number provided to settle a debt that was paid off, but the phone number I found was the wrong number for the original company. The person acted like a representative of Wakefield, the original debt collector, but they were a scam artist pretending to be with Wakefield and Associates. I gave them my social security number and debit card number, but luckily the card had no funds for them to take. They tried to get me to use a different card, but then I realized they were asking way too much information. When I called the scammer out, he immediately hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize SYNCB/LOWES to run my 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 explanation
Consumer complaint received 2023-12-07
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hello On XX/XX/XXXX i was trying to purchase an animal from the website XXXX 
I received an email from XXXX with the amount of {$200.00} with the invoice of a payment where was saying that i can pay with PayPal. Ive been asked to send the money as friends and family opition so they dont get a fee. They gave me So i proceed with the order and transfered the money to where i was asked. After that i received an aditional email saying that i have to pay an extra fee for the animal because it got stuck at the post due to some quarantine. Thats where i realised i was scammed. First i tried to contact a person who i sand money he said he doesnt know anything about it and he was asked by a friend just to cash money. Than i contacted paypal they said that they do not cover those transactions and i should contact my bank. So i did and my bank said that they can not do anything about it. So im reaching out to file a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: ARS National Services, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/XXXX, I entered into a repayment agreement with ARS National Services Inc. to repay XXXX XXXX XXXX Bank XXXX XXXX the amount of {$25.00} a month. ARS sent me a monthly reminder that the payment would be processed on a certain date. I received these monthly reminders from XX/XX/XXXX through XX/XX/XXXX. ARS stopped sending the reminders on this account and will not tell me the status of the XXXX 's account. I have asked ARS for an accounting. ARS representatives are unable to locate the account under their specific reference number, the last four digits of the XXXX 's account number, or any of my personally identifiable information, including my social security number. ARS representatives indicated that XXXX is the holder of XXXX 's accounts and advised me to contact XXXX. Representatives at XXXX could not find the XXXX 's account number referenced on the ARS monthly reminders for which I have paid {$25.00} monthly for over 4 years. 

I have another XXXX 's account that I am paying monthly to ARS, which began in XX/XX/XXXX. ARS is still sending monthly reminders on this account. ARS representatives indicated that their system changed and their reference numbers have changed. The change in the reference numbers is evidenced in the monthly reminders for this particular XXXX 's account. ARS representatives indicated that this is the only account they have serviced. XXXX representatives verified this account is under my name. 

Monthly reminders on both XXXX 's accounts are attached to this complaint as evidence that ARS was withdrawing funds for both accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: MIDFIRST BANK
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
I applied for mortgage assistance, got approved and got loan modification documents signed and returned along with the payment on XX/XX/23. I called XX/XX/XXXX to give XXXX payment for modification and they would not let me give a payment and told me to wait until the modification is 100 % approved. 
I continued to call 2 times per week to make sure it was accurate and each time I called they said it was correct dont pay it until the plan gets confirmed. 
I got a denial letter this morning for non payment of 1st plan agreement which is false as I wired the money and attached photo below. I called midland mortgage today and they said it must of been a mix up because they see the 1st payment and see the notes of workers telling me dont pay it until your loan is 100 % done.

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 monetary relief
Consumer complaint received 2023-06-17
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report IR MTGCRDT - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX  - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to get a modification for XXXX years from XXXXservicers. XXXX was the XXXX servicer who set up thetrial modification but never finalized it. They sent a lettercongratulating the finalization but never sent the packet by XXXX. Ocwen received my loan XX/XX/XXXX, 2010 but stop taking payment on XX/XX/XXXX2010. The reasoning was the investor does not acceptmodifications. 
I need some help resolving this issue immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IN
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I own a XXXX. I entered into a contract withMoneyGram to become an XXXX. An employee ofMoneyGram contacted me saying the lease wasexpiring on the terminal they furnished. Longstory short my business was scammed out of {$38000.00}. I have proof it was an employee ofMoneyGram and I am still being sued. 
MoneyGram did not cooperate with the policeor my lawyer. My attorney asked for proofthat the money was paid to whom, when andwhere. We were told the information wasirrelevant. I need help I am being scammed2x by the same company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Coinbase, Inc.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am unable to access my Coinbase account. There was over {$8000.00} in there. I was told I'm unable to log in because I have a home in XXXX. I also live in the State of XXXX. I just want to close the account and have my money returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Block, Inc.
State: TX
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Cashapp is the absolute WORST company! Theyre all frauds and have absolutely no interest in helping the customer. I filed a dispute and of course they did nothing at all to help me and then turned around and closed my debit card. After sitting on the phone 40 minutes and their agent trying to tell me it was because of unusual activity to a merchant I purchase from almost every day for the exact same order so after I explained that was a lie, I was then told the issue was resolved and the card is open and ready for use. Well once again that was a lie because it declined again so another long hold with customer service I was then told I can not use my debit card because it was closed and her answer to why was she didnt know? This is a scam company and they dont even care to have knowledgeable employees. Im going up to the top with this, to social media as well as an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
In XXXX XXXX my Wife and I accepted an offer from XXXX XXXX to Consolidate our loans as a Married couple to lower the interest over the life of the loan. At no time were we informed that we would be waiving any potential rights later in life due to unfortunate circumstances while a young couple in their XXXX just start out together. My wife 's XXXX Federal Loans at the time of this consolidation XXXX XXXX totaled XXXX and today is at XXXX after 16yrs. We provided documentation through the Life of these Loans with regards to the XXXX accident in XXXX my wife was involved with from both the XXXX and several Physicians. Her XXXX Date was XXXX/XXXX/XXXX and Post Discharge Monitoring concluded 3 years after that. Our complaint is that these loans, totaling today XXXX, were not properly Discharged/Forgiven based on my wife 's XXXX inability to pay or benefit from her education. I myself have no ability to benefit from her education to provide any further financial means to support a one income family that has a spouse XXXX within the household. I 'm still burdened with trying to repay my own education loans from the consolidation in XXXX XXXX for XXXX which today 's balance is XXXX to date. With 16yrs we have only been able to repay XXXX out of XXXX due to a single income family during that time frame providing for a XXXX family member based on job availability and due to medical needs has had to exhaust all deferments and forbearance options during that time frame. With the proven XXXX of my Wife over 16yrs we believe that these XXXX Loans totaling XXXX were not properly Discharged and exempt from all parties involved for repayment upon Post Discharge Monitoring. Please Discharge and Forgive the XXXX Loans totaling XXXX from all applicable parties

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 30 days later I have not received a response yet I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2018-08-21
Company: BUDGET CONTROL SERVICES, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XXXX of XXXX I entered a payment arrangement with this company for medical debt for my child. In XXXX of XXXX I agreed to pay the amount in full and was told it would be removed from my credit. Since then I have been getting monthly notifications that this company has been reporting a collection to my credit report with a {$0.00} balance which is significantly hurting my credit. 

On XX/XX/XXXX I called to see what can be done about it. The gal I spoke to said too bad and they almost took legal action on me a year ago so shes going to keep reporting it. I told her thats really uncalled for and not sure how she sleeps at night with that intent. She responded I sleep very well. 

I worked to pay this creditor off and am still suffering the consequences as if Ive never paid them. They are rude, inconsiderate and quite crass. 

This company is Budget Control Services in XXXX, Colorado. 
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 2023-12-06
Company: GOLDMAN SACHS BANK USA
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Apple Card/GS bank USA , account number XXXX. I asked this company to cease and desist all company and Im doing so one last time now. This company is made aware of FCRA law 15 United States Code 1692 ( C-A ) and still decided to knowingly violate this consumer law, this company claim they have the recieved my written request to cease and desist all communications with me well Im also making them aware of that request here, through the CFPB. GS bank again Please cease and desist all communications with me ( XXXX XXXX XXXX ) as I refuse to pay this debt. My request should be respected under 15 US code 1692 ( C-A ) and I have a right to privacy under 15 US code 1681 ( 4 ). Under section 6804 of this title ( FCRA ) I have the right to opt out of any such debt. This will be my last attempt to get this fraudulent account deleted from my credit report. This will be discussed with my consumer law lawyer and your company will be subpoenaed to civil court if you still choose to violate FCRA consumer laws

Company response to consumer: Closed with explanation