BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: MD
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/2022, 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 I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that 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 should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX 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 2021-09-19
Company: Wilber and Associates, P.C.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
on or around XXXX XXXX XXXX I received information from Wilbur & associates of impending action taken by them on behalf of XXXX XXXX insurance. I was informed I owed an outstanding debt in access of {$30000.00} for an accident from XXXX XXXX XXXX. After speaking with a customer service representive from wilbur & assoc. I felt I had no other alternative but to try and resolve this matter even though I am receiving a fixed income by way of XXXX. A total of {$780.00} was collected from this ordeal to date. I contacted the said company a couple of month 's later to inform them I could not afford to keep up with the payments of {$500.00} per month. I did not hear back from them until and after several attempts to remedy this situation. I finally spoke to a representative only to inform me the agreed amount and my subsequent money was suspended/deleted temporarily to which I asked about and possibly returning it to me. In addition I informed the associate that their company should reach out to the company for such an enormous amount since it was in fact an insured company vehicle. I was told that I should retrieve it from the employer at the time in which " I responded I did not give it to them '' your company should refund the collected amount. I have not heard back nor received any contact since.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been trying to pay my student loans off. I recently took a personal loan from a family member and made a large payment for the full amount owed to Aidvantage, but the balance continues to grow by about {$100.00} each day. I have continuously tried to reach customer service to find out what is going on. After waiting on the phone for an hour ( during my work day ) I finally got a human on the phone. They said the loan had been repaid, that the payment was still processing, and the additional interest charges will be removed. This is not true though. A few more days have passed since I confirmed this. Two days ago the balance was paid off. The money, however, has not been taken out of the account I paid from. So I went online to check again and the balance is back up to the previous amount plus a few hundred dollars interest. There is no email address for me to contact and no one to talk to unless I am able to sit on the phone for an hour and a half during my work day. I don't know what to do to get the loan paid off and am extremely frustrated that they are not providing me with any information on what is going on with my payment. It seems clear to me that they are purposely avoiding human contact with student loan borrowers and doing everything possible to keep me paying them interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Several debit transactions were taken from my Bank of America checking account by XXXX XXXX. The total amount is {$2500.00}. On XX/XX/XXXX {$720.00} on XX/XX/XXXX {$19.00} on XX/XX/XXXX {$360.00} on XX/XX/XXXX {$360.00} on XX/XX/XXXX {$720.00} on XX/XX/XXXX {$360.00}. When I tried to contact XXXX XXXX I was not able to find a contact phone number. I did find a website not in the USA and I did not find an account or any of my information. 

Several debit transactions were taken from my Bank of America checking account by XXXX XXXX. The total amount is {$3600.00}. Beginning on XX/XX/XXXX until XX/XX/XXXX. I was told by Bank of America the charges were authorized by me or made by someone who had my permission to use my card. This is not correct. I was in Oregon much of the time as my father passed the end of 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 2022-11-08
Company: EQUIFAX, INC.
State: NV
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 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: ALLY FINANCIAL INC.
State: LA
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, Ally Financial violated my rights under 15 USC 1681 section 602 states, I have the right to privacy under 15 USC 1641 section 604A section 2 A consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B A creditor may treat a payment on an account under an open an consumer credit plan AS LATE for any reason.

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 2021-09-19
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2021 I purchased a car from XXXX XXXX XXXX which was consumer credit transaction per 15 usc 1602. .I was forced to pay a down payment which is a violations of the truth and lending act 15 usc 1662 ( b ). After learning of the fraud as well as false and misleading statement made by the company I then sent out a notice of rescission to all partys involved in the consumer credit transaction. They company has willful neglect to at follow the laws that were state and my list of demands for a documentary materials proving this was not a consumer credit transaction as well the the XXXX accounting paper work I have requested. I have send several notices informing them if the violations as well as tendered payment to discharge the debt with full accord and satisfaction which the company has accepted. That company has been harassing me by calling and sending incorrect forms stating a owe a alleged debt which is another consumer law violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To Midland Credit Management and XXXX XXXX XXXX XXXX DATES OF ATTEMPTS XX/XX/2023 XX/XX/2023 XX/XX/2023 This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for XXXX made pursuant to the above named Title and section. I respectfully that your office provides me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove that the Statue of Limitation has not expired on this account ; Show me that you are license to collect in my state ; and provide me with your license numbers and registered agent or agent of service. 
If your office are unable to submit the requested information, I request immediate removal from credit report. if your company is able to provide the requested information I require 30 days to investigate this information and during such time all collection activity must cease and desist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-19
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
IM HAVING PROBLEMS WITH PAYPAL SERVICES I HAVE CLIENTS THAT PAY ME THROUGH PAYPAL AND THEY ARE HOLDING UP MY FUNDS I GAVE THEM EVERYTHING THEY ASK FOR KEPT GETTING THE RUNAROUND NO ONE SEEMS TO CALL BACK AND TELL ME THE PROBLEM OF THE SITUATION I AM RUNNING A XXXX XXXX XXXX THAT OFFERS REPAIR CREDIT AND BUSINESS CREDIT. THIS HAPPEN ON XX/XX/2021. 

MY BUSINESS IS CALLED XXXX YOUR CREDIT I NEED THIS PROBLEM FIX ASAP AND PAYPAL STILL HAS NOT SEEMS TO RESOLVE THE ISSUE THEY CAUSED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08
Company: Upstart Holdings, Inc.
State: TX
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've sent several letters out to Upstart regarding the reporting of inaccurate information reported on my credit report and the impact it has on my ability to help my family. Tracking number numbers : XXXX However, the credit bureaus said they completed the investigation, and everything was 100 % accurate. 

In XX/XX/2021, I noticed that an account with Upstart Consumer Leading was reporting on my credit report. I immediately contacted the credit bureaus to understand how and why this account was on my credit profile. However, to no avail, despite the evidence and written attempts expressing that his account was not mine and that this is a sign of identity theft. I was told that the account was accurate and verified and that I would have to take it up with Upstart. After almost eight months, of informing Upstart that this account is not mine and that someone used my identity to open this account. Upstart continues to report this account to the credit bureaus and refuses to have the account removed from my account. As of today, the account is reporting as a charge-off and affecting my credit score dramatically. 

According to the law 15 U.S. Code 1681a - Definitions ; roles of construction. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates, of the consumer, reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: MOHELA
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I messaged MOHELA on XX/XX/22 formally requesting a refund for payments made since the beginning of the COVID-19 payment pause ( https : XXXX ). 

I have yet to receive even an acknowledgment of my message, and their hotline gives you an incredibly long spiel then says they are not accepting any calls related to this matter when prompted to speak to a representative. 

Their XXXX says 10 business days for a response if I remember correctly. At this point, it's apparent that they're intentionally ignoring the request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: CITIBANK, N.A.
State: FL
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:
XXXX is with bestbuy citibank credit card # XXXX is the case number. 

Many purchases were made without me knowing or my consent, I had already asked the company to send me a new card. 

These are some of the transactions. 

XXXX XXXX XXXX XXXX CA {$76.00} XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX CA {$16.00} XX/XX/XXXX XXXX XXXX XXXX XXXX CA

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 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 want this information to be completely removed from my credit report, it does not belong to me. 

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 non-monetary relief
Consumer complaint received 2023-08-19
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was the victim of identity fraud last XXXX whereby a fraudster contacted my mobile network provider and impersonated me in order to obtain digital sim cards for my phone. 

The fraudster used my digital sim card and some account info obtained as part of a data leak to access my financial assets, including my Coinbase account. 

Upon accessing Coinbase account, they sold crypto of value XXXX XXXX XXXX ( I know the exact figure becuase coinbase support provided a transaction report ) and withdrew the resulting funds. 

I contacted Coinbase almost immediately to report the fraud via phone and email. Over the past 10 months I have provided numerous pieces of evidence including a police report to support my case for compensation.

I have been reassured mutliple times by Coinbase operatives on the phone and via email that I will recieve compensation but the last written comms I have from the company was in XXXX and when I call the helpline I am told to wait for email comms. 

I do not understand how a listed company can have no process for dealing with these things.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: IN
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 am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit 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 non-monetary relief
Consumer complaint received 2022-07-07
Company: First Advantage LNS Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent certified letters along with proof in the mail to all three credit bureaus ( XXXX, XXXX XXXX XXXX ) XX/XX/XXXX to dispute an account reporting negatively on my credit report. This is not the first time that I've tried to dispute this account with the credit bureaus. 

As of today XX/XX/XXXX I will be sending a certified debt validation letter directly to National Credit Audit Corporation ( NCAC ) which is the collection agency in hopes that this matter is resolved in a timely manner. The account is in a negative state and is hindering my chances of purchasing a home as well as being able to relocate to any other residence of my choice. 

The documents of proof that was sent with the certified letters were the following : 1. A copy of the renewal notice where there is a " wet signature '' not signed by me which states that lease would not renewed ( shows proof of whom signed ). 

2. The residential lease agreement showing the lease end date and when tenants needed to vacate. 

XXXX. A new residential lease agreement with dates to validate move-in and when lease agreement was signed. 

All three credit bureaus began reporting this account XX/XX/XXXX. I didn't receive notification about this account from the collection agency in writing until XX/XX/XXXX. Before that time I knew nothing about an outstanding balance. However I'm aware and know the individual responsible for the debt has refused to make payments. 

Going forward the collection agency needs to provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. I need a copy of a written agreement that created my original requirement to pay. If I'm being asked to pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-24
Company: Bread Financial Holdings, Inc.
State: NV
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law, When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) .as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account : XXXX XXXX XXXX Opened : XX/XX/2015 Balance : {$0.00}

Company response to consumer: Closed with explanation