BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-09
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Used XXXX to pay for on-line purchase of XXXX XXXX XXXX. Once seller received the payment ( {$2500.00} ) they did not send the product nor further respond to my communications. They have blocked my telephone calls and refuse to respond to my emails. 
My payments ( {$2000.00}, {$500.00} ) cleared XX/XX/XXXX & XXXX. 
XXXX, XXXX XXXX XXXX XXXX XXXX, SC. 
XXXX ( above number & e-mail used for XXXX account ). XXXX bank account. 
Co-conspirator : XXXX XXXX no confirmed address. XXXX. 
Their XXXX account is still active as are the e-mail and their phone numbers. 
My compliant is that I have no recourse to either receive the product or a refund. XXXX has their contact info, I have their Phone numbers and email address and the names they used to scam me. 
Why is there no enforcement agency that can assist me to resolve this. I am XXXX and XXXX and need assistance as there is no way to cancel a transaction or force a refund. 
My bank Navy Federal Credit Union essentially tells me tough luck! 
I received a USPS tracking number but USPS never received any parcel. 
Isnt there an agency that handles wire fraud, mail fraud, scams, elder scams, tax evasion, false ( misleading ) advertising, or any similar crime. 
XXXX did not cancel their account so they just continue scamming the public. Where is the justice for me? Or others who have been robbed? Is this legal, sanctioned theft? 
( I can not guarantee the stated identities of above persons, I only have email documentation. This is in no way an attempt to defame, harass, or implicate any other person with above names, addresses, emails or phone numbers )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: Experian Information Solutions 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:
XXXX XXXX XXXX  is not accurately reporting the balance as {$1000.00} on my XXXX  XXXX Card to XXXX, XXXX, and Experian. I am not carrying a balance on this card. This card has been paid in full.

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 2022-03-31
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act 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 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 2022-03-31
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act 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 2017-10-27
Company: Financial Recovery Services, Inc.
State: OH
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:
On XX/XX/XXXX, I sent a certified letter to XXXX credit bureau disputing a debt for one XXXX XXXX XXXX in the amount of {$8000.00}. After 30 days per the FCRA XXXX reported the data was verified and accurate. On XX/XX/XXXX, I sent another certified letter to XXXX in accordance with the FCRA requesting the methods of verification used in accordance with the FCRA. XXXX failed to provide this information which is a violation of the FCRA. On XX/XX/XXXX, I contacted XXXX via phone and requested once again the method of verification in response to XXXX 's credit report stating " verified as accurate and updated '' File # XXXX. I reiterated by asking XXXX to provide the name, address, and the telephone number of each person contacted regarding this alleged account. On XX/XX/XXXX, I received another credit report from XXXX ( same file # ) but this CBR had the same creditor listed twice, as if the debt was totaling {$16000.00}. XXXX did not re-investigated my dispute, as the CBR sent, was dated the same day of my call. AsI reiterated in my certified letters, and call to XXXX, any automated response or XXXX verification is unacceptable. XXXX must provide documents bearing my signature that the debt is valid. As of the writing of this complaint XXXX has failed to respond to my request. Thus,, XXXX is providing inaccurate, unverifiable information on my CBR and is violation of state and local credit reporting laws, as well as violating the FCRA. There is also a separate complaint against the creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
On XX/XX/2022, I received a payment through PayPal in the amount of {$250.00}. According to PayPal 's email ( attached ), I could instantly transfer these funds to my bank via debit card for a 1 % fee. In the PayPal application, the actual fee is 1.5 % and not the stated 1 % in the email. PayPal provided false advertising of fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-09
Company: WELLS FARGO & COMPANY
State: FL
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:
I have been a customer with Wells Fargo on and off since 2012. Back in XXXX I got an email from reemployment assistance that my information was compromised in their system which included my name, dob, social and banking information. I went on my bank statements to check and see if there were any transactions that did not look correct. I noticed some cash app transactions and also XXXX payments to someone name " XXXX '' that I did not authorize. I then called Wells Fargo and thought I had disputed everything that I seen. I got the final judgment of my claim and all the debit card transactions where given back to me equaling also XXXX. I noticed that the XXXX transactions were not listed in the claim so I called and made a claim towards those. I waited 10 business days and contacted them and they told me my claim was denied because it seems to appear the transactions where made by me or someone I may know. That is insane that over 159 transactions were denied for no reason. My claim was equal to XXXX. This is unacceptable to just deny my claim for that amount of money like they do not even care.

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 2021-11-09
Company: Experian Information Solutions Inc.
State: IA
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:
Reporting inaccurate information..Account in questions in over 15 plus years old. and it was included in my bankrupts

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 2022-03-31
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/2022 I purchased {$28.00} worth of XXXX XXXX at CoinBase in order to make a purchase using my CoinBase card ( which is funded by XXXX ). 

The {$28.00} purchase later failed and my account was marked for recovery of funds. This is not a problem and has happened before. I clicked the steps to make a payment to cover the failed transaction and received a " Success '' message. I then received XXXX emails over the next 24 hours letting me know that funds recovery was " complete ''. 

My account remained locked, unable to use my funds. 

I have tried to pay several more times and have received the error " Too many transaction attempts '' for weeks. This obviously was caused by their system trying to recover XXXX times ( hence the XXXX emails I received ). 

I contacted CoinBase support via email on XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX. 

I called Coinbase on XX/XX/XXXX and after an hour long phone call was told to wait for an email response. 

The last response I received from CoinBase was on XX/XX/XXXX and was an automated message stating " they were aware of my issue ''. 

I have attempted to contact them twice more ( XX/XX/XXXX, XX/XX/XXXX ) via responding to my ticket and have received no response. 

I have not received an update from a human being since the XXXX XXXX XXXXXXXX. 

The case number is case # XXXX or # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-09
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX placed a negative entry on my XXXX and XXXX credit reports on XX/XX/2021. The entry is in DIRECT violation of the FCRA and the Medical Debt Relief Act of 2021. Please see my attached debt validation request sent to XXXX and their response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I open several disputes with Experian in order for them to delete accounts that do not belong to me. 

I sent them all the supporting documentation proving that the accounts are not under my name and still they are reporting it. They finish their investigation and said that the information is accurate.

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 2022-03-31
Company: Experian Information Solutions Inc.
State: FL
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX {$1800.00} Open balance, 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 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 2022-03-31
Company: KP ASSET CONSULTING LLC
State: IA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I got a voicemail from stating that " this is XXXX XXXX calling to schedule delivery of a legally required notice we received today call is to get 48 brief notification in regards to scheduling that way if you're working or do have anything going on you can reschedule to make sure you are home to sign for your paperwork and I will do as well reach of contact to the sender 's office where it is coming form that way if you do have any questions or concerns prior to anybody getting out to the home or any discrepancies with the timeframe set forth have to contact them to see if there's any options for rescheduling to be submitted at this time otherwise your going to have to make yourself available and all that number supported on the packet is XXXX this is gon na be your first notification. '' I called this number and was transferred to someone. While on the phone with him he told me that I was responsible for a debt. He sent me an email with an " invoice '' of the amount owed. He asked for me to make an arrangement and I told him that I was unable to do that until XX/XX/XXXX due to XXXX XXXX not being paid and a mistake with my paycheck. He then stated that they would require XXXX/month for 6 months to rectify this debt. When I said I could not do anything like that, he stated what can I do. I told him right now I can give him XXXX/mo until XXXX, he said that he had to inform me that I need to stop by my XXXX  on Monday because they will be sending information to them unless I can come up with something that would work. I said so {$25.00} wont work for right now, he said no and we have you on a recorded line so you can't tell a judge that we did not inform you of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: BMW Financial Services NA, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have had an auto loan with BMW financial services for approximately 1.5 years. Recently I have tried to pay my car off by making large online payments. I tried to make a payment larger than {$7500.00} and their system prevents you from making payments in a one month period for more than {$7500.00}. Obviously this is a way for the company to delay you paying off your car, in order, to charge more interest.
I called a representative to discuss this and they said not even a supervisor can lift the {$7500.00} per month payment restriction. I have owned many cars and I have to say I have never heard of such a thing.
Recently to bypass the $ XXXX/month online payment restriction, I mailed in two checks. One for {$1000.00} and one for a much larger amount at the same time on the same day at the same post office. The smaller check for {$1000.00} they cashed. The larger check however they still havent cashed a week later. Again, to delay payoff of my vehicle so they can charge more interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Experian Information Solutions Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX is reporting I owe them a balance, although they have yet to present a contract or any written documentation identifying terms or agreement that I agreed to. The business was with XXXX XXXX., but my report says XXXX XXXX. Makes no sense. How and where do you charge interest on a rent, this is not a mortgage and WHAT is the interest rate?? Nothing of this sort has been provided to me whatsoever. I want XXXX XXXX off my credit report, they are reporting to XXXX and Experian. If they can not provide written documentation with terms and conditions, explanation of interest being charged and why. Please remove. Help

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 2021-11-09
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:
This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XX/XX/2021 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have already paid the debt for XXXX although they will not update balance on my credit. Paid in full on XX/XX/2020. 

Transunion will not update credit with XXXX and XXXX XXXX XXXX with correct balance. 

Transunion removed old pay off debt and reduced my credit score instead of raising the score up.

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 2021-09-11
Company: Navient Solutions, LLC.
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: Account status incorrect

Complaint:
Navient reported me for being late 90 days. I was sent an email by XXXX XXXX not to pay my loan until XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: U.S. BANCORP
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am a veteran and a XXXX XXXX. I was not paid for two pay periods during the recent partial shutdown of the federal government. The servicer on my mortgage loan, US Bank Home Mortgage, readily offered me forbearance for three months and was willing to extend it to six months. On the phone, the representative said I would not be charged any late fees and my payments would not be reported late to the credit repositories. I paid my XXXX payment in early XXXX and found that they had reported me 30 days late for the XXXX payment even though a representative promised they would not. 

US Bank Home Mortgage now refuses to delete the 30-day late notation on my credit reports.

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 2019-02-11
Company: Wakpamni Lake Community Corporation
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I made them aware that a garnishment has already been made against my wages and they are still taking money out of my personal checking account they gave me a number to call their finance department who also told me that they can not do this but now the finance department wants me to send all sorts of paperwork to them. Inbox loans never sent me a notice of garnishment they sent it straight to my employer which I didnt know about until I received my paycheck and it was money missing so I called my payroll department and thats how I learned of this garnishment.

Company response to consumer: Untimely response
Consumer complaint received 2022-08-12
Company: AFNI INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
There are 2 things showing a collection on my credit report and neither one I have any knowledge of and were not my accounts. The first one is AFNI, INC/SPRINT for {$770.00} and the second one is XXXX XXXX, XXXX XXXX  for {$800.00}. I've never had either one of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: ERC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice on my credit report for a collections. This brought my credit down 43 points. I have no idea what this charge is for nor did the company attempt to reach out to me via mail or phone or any other communication prior to adding this to my credit file. The creditor claims the account was open on XX/XX/2020 and reported this on XX/XX/2020 for the amount of {$280.00}. First, I am not even sure what this collections is for because I have never opened an account with this company. Second, the company never reached out to me to even allow me the opportunity to dispute or take care of it. I am disgusted at the way this company does business because I feel I was blindsided and forced into an obligation that is not mine. I have worked hard to clean up my credit and have paid everything that I actually owed. {$280.00} is not a big amount and if it were mine, I would have paid that too. I have filed a dispute through XXXX  and awaiting the results but I wanted to file a c complaint as well. This should have never happened and I feel proper business measures were not taken. 
Company : Enhanced Recovery XXXX XXXX XXXX. XXXX FL XXXX XXXX

Company response to consumer: Closed with explanation