BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-01
Company: SoLo Funds Inc.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Ive used a XXXX  app to fund small loans to people who need them, in return for a tip paid back to me when the loan is repaid. All funds transfers have been done via debit card debits and credits. On XX/XX/2022, I received an e-mail from the app, SoLo Funds, telling me that someone had repaid a loan to me for,., where typically within those quotes would be the amounts repaid. It also said that non-amount would be available in my, Wallet as SoLo Cash.

I e-mailed the company asking about the non-amount in the e-mail, and stating that, As I dont have a SoLo Wallet, Im assuming you wouldnt have opened an account somewhere in my name. While waiting for the company to respond I rummaged through the app & found that the loan repayment had in fact been deposited into a, SoLo Wallet account that had been opened for me.

Since then all loan repayments have been deposited into this SoLo Wallet, which I then have to withdraw from in order to forward the funds back to me via debit card transactions.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: ERC
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 a collections account that was placed with Enhanced Resource Center ( corporation ) in XX/XX/XXXX regarding an XXXX XXXX XXXX cellular account that was placed in collections. I have been paying this company each month through auto-deduction from my checking account in a timely manner. I have never missed a payment. I contacted this agency on XX/XX/XXXX @ approximately XXXX, and spoke with a general rep before being transferred to a team lead named XXXX . I explained that my credit report is not accurate and they are reporting erroneously each month, as if I am not making payments. XXXX tried to explaine that because they are a collections agency, that they only report that the balance is paid in full or settled in full. I explained to him that they are reporting monthly that I am not making payments and that they are not following federal regulations, per the Fair Credit Reporting Act ( FCRA ). He stated that they follow all laws, but because they are a collections agency, that the only report on " sundays '' or monthly. Subsequently, he transferred me to the manager, XXXX XXXX. I explained the companie 's flaws and failure to follow federal laws while credit reporting. She essentially said the same statement that XXXX made. I told her that this is not federal law and that her company should be reporting each month that I am paying, instead of erroneously reporting that I was not paying. She disagreed with my statement. I informed XXXX XXXX that her company practices are not aligned with federal laws and they are flawed. To conclude, I arranged a post- dated payment to resolve my debt, so that I do not have to deal with this company ever again in my life. Their practices are unlawful, unfair, and misleading to consumers, and credit bureau agencies. They falsify information for their own personal game. Per the Fair Credit Reporting Act, this is illegal and unlawful. Unsophisticated consumers whom are unaware and are unacknowledged are at great risk.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Navient Solutions, LLC.
State: VA
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:
Payment made on XX/XX/2020 of {$26000.00}. Clearly directed to pay off the balance of 1 out of 2 existing loans. Instead the payment was split to go mostly toward the other loan. This is one of many times Navient has redistributed my over-payments in a manner other than I have directed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 U.S.C 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Account Resolution Corporation
State: MO
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:
As stated in the HIPAA law section 1681b ( g ) ( 4 ) you are not allowed to disclose any of my medical information this is clearly a violation to my privacy. I would like this be taken out of my credit report immediately. I reserve the right to sue your company for violating of my consumer rights as indicated under both the FDCPA and the FCRA. I will also seek damages from you if warranted. 

XXXX. They are not complying to my request to validate the debt. Also, they have failed sending any documentation bearing my signature that I have legal obligation to pay them. The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) states that you are required by federal law to send the wet ink contract bearing my signature you should send to me the original signed contract 2. They are Identifying me as Mr. XXXX on their response, My name is : XXXX XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX XXXX. FDCPA Section 807 ( 8 ) You have failed to validate the debt, this is misleading/false reporting. It must be remove from my credit report right away. 

XXXX. The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611 ( A ) ( i ) promptly delete the item if the information is found to be inaccurate or incomplete or can not be verified. You must request the credit reporting agencies to remove inaccurate and incorrect information and delete it from my credit report IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 filed a report several times with all 3 credit bureaus. I have attached a copy of bills and reports to all the proper organization and I still can not get any help. I need to move and buy a home and all of this is holding me back. Please see the attached documents from FTC report, XXXX Police Department, I have a address that shows as both XXXX XXXX XXXX XXXX, XXXX OH, XXXX AND/OR XXXX XXXX   XXXX XXXX , XXXX, OH XXXX THIS IS THE EXACT SAME ADDRESS!! Please DELETE/BLOCK/REMOVE the following items : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX , BAL. {$3100.00}, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX. FTC Report 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 2021-02-08
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Back on XX/XX/2020 someone tried to transfer money from my bank account to my Paypal account ( to then transfer to themselves, no doubt ). They also changed the language on my account to XXXX. I did all the protection features but I can now see that someone has made my account a business account, added their name ( XXXX XXXX XXXX as a business name, added their phone numbers, address, social security numbers and Tax FEIN to my account and they aren't mine or associated with me in any way. Getting through to Paypal is near impossible to get help and I don't know what law enforcement agency to report this to either. These steps have prevented any financial loss but I want to protect my credit and information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-26
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
This particular credit card company 's employees continues to harass and discriminate me by asking 5/6 verification questions, when their employees refuse to give their employee IDs. I also believe there has been ID theft involving this credit card company 's employees. 

Additionally, this particular credit card company 's employees continue give wrong balance on Reward Points.

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 2020-09-17
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I contacted the credit bureaus about inaccurate accounts on my credit reports. They claimed they investigated the problem but didnt solve it. Along with this compliant im attaching my recent dispute letters with all the information included sent to them.

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 2018-09-24
Company: AES/PHEAA
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:
This is a formal complaint against my federal student loan servicer, XXXX XXXX XXXX. I have made repeated attempts to try to get my manual review letter where they calculate and provide me with the number of qualifying payments I have made and the number of payments still required. The initial letter I received, dated XX/XX/XXXX, stated I would get this no sooner than 90 days from that date. It is now over a year later and I still havent received it. I called about this issue XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The last three people I talked with ( including one supervisor ) even sent emails to management but I still didnt get a word of response. I have documented everything, if you need details. 

My other big complaint is that I have to still be working when they make the final decision. I went back to school in my late XXXX to finish my education so that I could get a good job. I was hired with the state of California 10 years ago and I am now XXXX XXXX XXXX. I have completed my 120 months of qualifying service and I submitted my application for forgiveness on XX/XX/XXXX. Making still working a condition is discriminatory in itself, but especially so for older workers. XXXX   XXXX XXXX can take as long as they like to finalize this processthere is no cap. But I dont have that kind of time. I need this to happen before XX/XX/XXXX or I have to forfeit. The letter I received from XXXX XXXX XXXX, after I submitted my application, stated the process of confirming my eligibility and qualifying payments may take approximately 30-90 days. I need it done in 36 days from today. I have done everything theyve asked and have never been late on a payment. It has been verified that the loans qualify. My job is certainly qualifyingIve worked for the State of California for the 120 months with no break in service. 

I hope you can help me and I thank you for trying.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Unfair practices of Capital One Auto Finance. This company takes advantage of people with lower credit score giving them very unfavorable loans. Loans offered by this bank for people with lower credit score are daily interest loan versus ATR fixed which basically is annual interest rate loan given by other banks. Having daily interest loan big part of payment goes to interest not to principal balance. It is based on daily interest not on annual which increase amount of money pay to the bank of monthly payments. My loan which was 10 percent has absurd monthly payments over 640 dollars. I was able after some lengthy discussion with Capital One to lower to 7.5 percent and still excessive payments of XXXX dollars. Because of daily interest amount of payment is very high. For annual interest loan that payment will be much lower and more affordable. Due to taking advantage of people with low or poor credit score by giving unfair loans this bank creates very difficult situation making payments impossible.where the big chunk of salary goes to car payment. Failing or being late on those payments puts customers in even more difficult situation and leads to lowering credit score. I talked to Capital One in extend about unfairness of loan this type and furthermore better terms of loan but they declined to do so threatening with car repossession knowing that this way they can money by selling car. They don't care that their type unfair loan puts everyone in struggle with excessive payments as well in case the car is reposes leaving someone without means to go to work or store or pick kids from school. I hope someone will go after this bank and force them to change practices and stop taking advantage of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted the collection company and both Credit companys Regarding the error on my credit report. I do not recognize this account or ever have an account and since they clearly do not display with the original creditor was on the file I have no idea on how to look into it further. This grossly inaccurate negative account destroyed my credit and neither credit company is following the law along with the collection company by just plain accurate information outlined by the FCRA.

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 2022-01-06
Company: WAKEFIELD & ASSOCIATES, INC.
State: WY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Contacted by Wakefield and associates about medical bills that were already paid by my insurance company. Went into the office with irrefutable evidence that said medical bills had already been paid! Was told no court, it would be taken care of. They still went to court and lied in court of law to obtain judgement against me. Went on to garnish husband wages for bills we did NOT owe! 

Was never contacted by Wakefield and associates about any other debt, until received court papers. Had XXXX and couldn't go to court. They won a judgement against us. NEVER received anymore correspondence until we received letter from husband employer for garnishment order. Not once was notified by collection company. Called company asking for a detailed summary of where all garnished money was applied as they were still saying we owed money from previous bills they had already " collected '' on. The woman on the phone couldn't verify anything for us, just stuttered around trying to get us to set up payments. 
Sent a letter to the company, which they received XX/XX/XXXX requesting they prove we owe the debt, a detailed summary of payments and where they have been applied, copies of everything in our file including but not limited to, recordings of conversations, all bills in our file, statement of where payments have been applied, along with verification of debt. They have yet to respond to our letter and have never ceased contact with us or attempting to collect debt. They are harassing us with their fraudulent debt collection practices! 
Just received another letter today from them about debt from XXXX to which the previous garnishments we're supposedly have satisfied said debt. 
All of which I've NEVER received a bill from the hospital as to which they're attempting to collect for! This is a huge issue in our county! 
With there being XXXX XXXX complaints in XXXX and 49 % of said complaints being found fraudulent debt collection practices substantiated tells me something more needs done with these bottom feeders, when 100 % of our supposed debt are medical bills, during a worldwide pandemic! 

All for medical bills I've NEVER received. We get no contact from XXXX XXXX XXXX XXXX. Aren't aware of a bill or amount until it's been turned over to Wakefield and associates for collections!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: EQUIFAX, INC.
State: LA
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:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX   XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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. 
Company Inquiries 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I took out an auto loan with Santander Bank almost 3 years ago and they are not reporting my payment history to any of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
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: Their investigation did not fix an error on your report

Complaint:
I have contacted the collection company and both Credit companys Regarding the error on my credit report. I do not recognize this account or ever have an account and since they clearly do not display with the original creditor was on the file I have no idea on how to look into it further. This grossly inaccurate negative account destroyed my credit and neither credit company is following the law along with the collection company by just plain accurate information outlined by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: Eagle Accounts Group, Inc.
State: NY
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:
while looking on my credit monitoring site I noticed it was two accounts that do not belongs to me they are 1.XXXX  XXXX in the amount of {$470.00} 2.child support enforcem in the amount of {$450.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
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: Public record information inaccurate

Complaint:
Consumer Finance, On a recent review of my credit report , I discovered XXXX XXXX XXXX reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt.

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.

Company response to consumer: Closed with explanation