BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-28
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/XXXX XXXX XXXX Tuesday evening. I received my Equifax credit report in the mail and you have my name wrong it should be XXXX XXXX XXXX XXXX XXXX instead of XXXX XXXX XXXX because I changed my name as of XX/XX/XXXX so it looks like someone has changed my name back which is fraudulently unauthorized. I want all names deleted besides my new name. I want all addresses deleted. I want all phone numbers deleted and have no phone number on my account. I want all inquiries deleted especially XXXX XXXX because I did no such thing with XXXX XXXX because I have been discriminated against by people who are using my identity for 20 plus years as if my stolen is portfolios is there. And since you have the wrong name then that means you have the wrong information and I want every address deleted because I did see the address of XXXX XXXX XXXX XXXX XXXX Nevada XXXX as well as XXXX XXXX XXXX XXXX XXXX  XXXX with the without the apartment XXXX XXXX Nevada XXXX needs to be deleted off my credit report. As well as XXXX XXXX XXXX address XXXX XXXX XXXX XXXX Texas XXXX date open XX/XX/XXXX and was put on chapter XXXX XX/XX/XXXX. It needs to be deleted off my credit report please. XXXX XXXX is stalkers and they need to get off my credit report I have no knowledge of these people I don't even know why they keep continue to being on my credit report will you please get these people off my credit report with the address of XXXX XXXX XXXX XXXX XXXX XXXX Indiana XXXX as of XX/XX/XXXX is Ally please get this off my credit report thank you. Another one that needs to get off my credit report because they are stalkers I have no knowledge of these people I owe them no money I have been dealing with this every since XXXX and trying to remove these stalkers off of my credit report and their name is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: Early Warning Services, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I am currently serving in the United States military and back in XXXX of this year ( 2021 ) I was contacted by a Individual on XXXX stating that she was a manager at XXXX and that can get me a grant for being in the military the grant totaling of XXXX. I jumped at the opportunity of having such a large sum of money and agreed to enroll in the grant, After I agreed the Individual started to ask me for money stating that She would cancel the grant if I don't loan her money. Me being trustworthy and stupid I agreed to loan the " XXXX manager '' money through zelle on the chase app over the next couple of months totaling to a little over XXXX. The only reason I did so was because I was expecting to get repaid through the grant and that a good friend of mine who is also in the military said that he knows the Individual and that she tried to get him to agree to the grant as well. Long story short it been a few months and I've tried with my bank but ultimately they were of no help They just reffered my to speak to the Authorities and speak to the people behind zelle. I've been losing sleep and stressing over this loss and I'm hoping that whoever sees this can help me get even a fractions of this back, I would be forever grateful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Kikoff Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
It's rigged. I paid them enough for credit repair service. Had false debts removed even got a letter in the mail. Over time I realize they never had any options for dispute it takes for me to owe them XXXX $ for them to open up a dispute after charging multiple cards excessively ... Obviously I don't have it, why are you charging all my cards -_- then because you did not get the XXXX dollars you closed my account and BTW I don't owe them XXXX $ they never gave me money. The deal was pay XXXX $ to build credit .... They using false debts as ways to target my credit... Mind you my credit score was only going up XXXX to XXXX pts at a time -_- definitely violates fair credit reporting act. And they try to control the narrative because when they opened their dispute system is not like you can write what happened and their asking for personal documents you dont need to dispute a false report... I can just go to cfpb why would I send them my personal iD and I already know u trying to collect money? It's not like this business gave me anything... They gave me XXXX $ on the account which was for books ONLY and was paid off didn't even use the rest of the money... Then they ask me for XXXX $ for building credit ... Then they started getting greedy and taking avantage relying on the money. Then in return talking about they chaning atm fees like nah thats not the deal or what I signed off on. You can't do what u want without updating the contract and it's terms PERIOD.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
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 ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 non-monetary relief
Consumer complaint received 2021-07-28
Company: Conn's, Inc.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Since XX/XX/XXXX this Conn 's Home Plus has called me everyday 6 times a day to ask to me to pay {$72.00} on an account that is past due two days. I should not have to explain my financial situation to anyone as long as I make my payments before the 30 days so, my credit is not affected. If I did not pay within 30 days I understand that they may take action by reporting me to the credit bureau. I am going to pay them but, 6 times a day seems quit excessive for someone that is not even 30 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
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: Investigation took more than 30 days

Complaint:
All requests took over 30 days to resolve. XXXX, Equifax and XXXX all report my student loans twice. They report the balances as late when the student loans have been discharged completely due to XXXX discharge. I owe no balances, yet they double report the accounts as closed but late. The payments are not late and never had been because I didn't have to pay them back, per agreement with XXXX XXXX XXXX. Reporting the information twice brings down my score by hundreds of points, yet I owe no money so there's no way to repair this. Action Taken : Signed up with XXXX XXXX XXXX to correct the reports ( still received no response after 60 days ) Have submitted multiple disputes, only to have them closed within 48 hours with little to no explanation of any action taken. All three bureaus are quick to offer " credit boost '' type services, or some option to pay them to review and improve my score for a monthly charge. All three bureaus report one score to me when I obtain a consumer credit report, but another lower score to creditors. Sometimes they report entirely different low scores to different creditors. For instance, I applied for XXXX  credit and XXXX reported my credit score as XXXX to the creditor I applied to, then reported the credit score to me as XXXX ( in spite of the discharged student loans with no balances... I owe less than $ XXXX in debt, I shouldn't have a score in the toilet like this ). They later reported to another creditor ( a credit card company I applied to ) that my score was XXXX ... .on the same day as I applied for the XXXX credit. So is my score XXXX, XXXX or XXXX? Or should it be higher because I have very little debt. Even with a XXXX  in XXXX, I should have some improvement to my score ( as I have seen others receive ) after 4 years of diligent repayment of debts and attention to my report, without incurring more debt. All three bureaus are not held accountable for what they report, and no one can even know how or what criteria they use to calculate the score. And they then try to package their basic duties ( reporting, disputes, etc ) as a paid service with an offer to " improve '' or " boost score '' if the product they sell is purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I tried to remove unfamiliar negative accounts # XXXX, XXXX, XXXX, XXXX numerous times and they keep appearing on my report. 15 usc 1681e ( b ). Has to be complete accuracy on my report and I am unaware of any of the following accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
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. 
Account name : 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 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 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 2021-07-28
Company: National Credit Adjusters, LLC
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this debt over 2-3 years ago with another collection company that is no longer in business, they were based out of New York. I disputed the debt with the new collection company which is National Credit Adjusters, I showed proof of payments to the previous collection company and they said they started an investigation into the matter. The company didnt keep me informed about the situation and kept putting derogatory marks on my credit blemishing it several times. The derogatory marks include late payments and non payments while it was being investigated. Several months went by and I got a letter in the mail stating my payment options with them. I never received any sort of communication from them on the outcome of the dispute only a letter several months later with payment options to re pay them. This doesnt seem like proper business practices and I need help fixing my credit and this mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On Tuesday XX/XX/2023 at approximately XXXX, a fraudster gained access to my Coinbase account and transferred XXXX worth {$250000.00} out of my Coinbase Wallet. I realized what was happening while the transfer was still pending and immediately contacted Coinbase Support. I was speaking with Coinbase Support while the criminal transfer was still pending. However, Coinbase failed to cancel the pending transfer. Coinbase failed to flag the transaction as potentially fraudulent. Coinbase failed to place a temporary hold on the transfer until its authenticity could be verified. Coinbase failed to respond to my multiple concerns, cases, and complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Nelnet, Inc.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I applied for the SAVE program a while back when my husband was still employed. Since then, he lost his job and our situation has changed. I tried to see if I could get a deferment or forbearance for a little while, but their " change in household '' option doesn't mention anything about your spouse losing employment and only focuses on you. You can only choose the options they have listed and I went through all of them and don't qualify, but they said a repayment option is {$500.00} a month, what the heck. And I don't " qualify '' for a forbearance. I've been paying off my loans for over 15 years, and I know what a forbearance means and if I want to accrue interest while my husband looks for a job, I feel it should be our choice to. The options are so inflexible. Never mind that I never got a statement from NELNET, never heard anything about if my SAVE application was approved. Trying to get a hold of them is impossible. The lack of communication is maddening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Experian Information Solutions 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: Information belongs to someone else

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 has been reporting inaccurately. I wanted to dispute these because of this and it was affecting 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 explanation
Consumer complaint received 2023-08-18
Company: HYUNDAI CAPITAL AMERICA
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:
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 open end consumer credit plan as late purpose.

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 2023-07-28
Company: EQUIFAX, INC.
State: MA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: Paypal Holdings, Inc
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
First of all Im XXXX years old and have XXXX and Im dictating this on my XXXX so please forgive any typos your system is not very XXXX or any cat friendly. You need to fix that to truly represent the consumer that all consumers are XXXX XXXX XXXX. 
My complaint is with PayPal and the way they interface with their customers who I buy merchandise from one of their customers a company named XXXX who sells mens shoes I purchased a pair in XXXX XX/XX/XXXX and didnt like the quality of the product them came tried to return it theyve been totally unresponsive with providing with me and Alarm a number or a palatable return process. They want me to pay every processing fee and pay for my own shipping and when the quality of merchandise is not up the standard, those should not be normal practices they should be able to pay for the shipping return shipping and provide an XXXX number and no restocking fee. What is this about brand new return the same package, and you want a restocking fee thats part of your operations dont ask the customer to pay for it Im making a note here about your website the button that you need to press to publish this article doesnt work right I have a new XXXX I keep pressing the button and nothing happens until it finally does work but Im XXXX years old and XXXX and my hands are shaky, so what kind of a friendly said user-friendly system if you got here you need to be up some customer service problems yourself fix them

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-17
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax, and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable account below XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$8200.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$8300.00} XXXX XXXX Balance : {$8300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I've been a long time Wells Fargo customer and I opened my accounts a long time ago. When I opened my accounts, i was told that my accounts would never be charged a fee. That has been true all these years but just recently they started charging me fees on my two checking accounts and my savings account as well.

These fees are the monthly service fees that I was told many years ago would never happen and now suddenly they started appearing on my 2 checking accounts and 1 savings 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 monetary relief