BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-11
Company: Stellar Recovery, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called XXXX  today and was gave the name of the company reporting all this false information. I was told that they didn't have any contact information for this company. So by law how can this company be reporting fake names and addresses. The name is XXXX XXXX this is not my name this has been going on for months with this false information. I keep reporting it but it keeps happening over and over.

Company response to consumer: Untimely response
Consumer complaint received 2019-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I was informed that my information was breeched. I was advised that I should get a credit monitoring service. Then I discovered a bill with XXXX that I never authorized acct # XXXX dated XX/XX/XXXX Also Inquiries for XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX dated XX/XX/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 2023-05-15
Company: TRANSUNION INTERMEDIATE 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:
XXXX, XXXX, TRANSUNION IS Obligated by the FCRA to report accurate accounting. Consumer has advised All the accounts, all the inquiries reported was fraud. Said companies had 4 days according to LAW to remove such items. and block from being on the report while conducting an investigation. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX. XXXX. TRANSUNION TO provide the documentation used to determine these accounts and inquiries was indeed authorized by the consumer. XXXX. XXXX. TRANSUNION has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-Oscar 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 2023-05-03
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: Investigation took more than 30 days

Complaint:
" I recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue. ''

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 2017-11-06
Company: EQUIFAX, INC.
State: MO
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:
Equifax is reporting a few accounts only as a collection. There is no name as to where it 's from. I have tried several times to get it resolved but no luck. Can you please help me with this? I do n't know where else to go. 

They have two accounts with the same number of XXXX, and an account number of XXXX, XXXX. These 4 accounts I do n't know anything about.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have no negative items on my credit and dont owe anyone I make XXXX a year on average and only gotten approved for XXXX dollar card limit Meanwhile my best friend who has a lower score than me gets approved for XXXX card limit I served my country I dont know if its XXXX descremination because I am XXXX but this is truly unfair I love navy federaXXXX and all of the credit unions benefits and all I ask is to be treated fair I served my country and still am serving my country I had close friends die in combat next to me so please I have been through a lot so can you please increase my limit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In your XX/XX/XXXX response to my complaint you state We did not receive a complete forbearance request from you in XX/XX/XXXX where you agreed to the terms and conditions of the forbearance. Please explain why you are now stating you did receive the forbearance in XX/XX/XXXX when prior you stated you did not. Please also explain what exactly was incomplete about the forbearance you received in XX/XX/XXXX. You go on to state We are unable to retroactively apply a forbearance to your loans, per your request. Please explain why you did just that, in XX/XX/XXXX, despite the forbearance being incomplete as you claim. You go on to state nor will any late fees assessed or interest accrued be removed. Please remove these fees, the interest, and your derogatory XXXX credit agency reporting as previously requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
To whom it May concern I have contacted " Portfolio Recovery Associates '' Several times over the past few months of this year asking for them to validate this debt belongs to me. It started with 3 accounts they were claiming were mine. After disputing with them several times I contacted the 3 better business bureau 's to do a dispute. After my dispute one of the accounts were removed last month. The removal of one of the accounts are further proof that the other accounts do not belong to me. I have asked in my letters for proof that this debt belongs to me with my ink signature bonding me to this account in my 609 letters that i have sent several times. Portfolio has only sent me letters claiming this debt is mine by using old addresses. I have asked besides using old addresses they can not say this is my debt without a ink contract or any contract. It was never sent. The accounts : XXXX and XXXX should be removed immediately from their data base and should be stopped from reporting to all credit bureau 's. This is greatly impacting my credit and I have not been given accurate proof that this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EdFinancial Services
State: NY
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 two unsubsidized loans from Ed Financial one is XXXX and other is XXXX, I paid off both the loan in XXXX transaction last week ( XX/XX/2023 ), it decucted the {$7900.00} from my bank but applied payment to only one account ( XXXX ), the other loan still shows as pending and is accumulating interest daily. 

I tried contacting Ed financial through emai but never got a response, also calling them every day waiting extremley long timea ( 6-7hrs ) and then getting disconnected, also put my number for call back but never get a call back from Ed Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX Co account # 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. also states a consumer reporting agency can not furnish a account without my written instructions.

In accordance with the Fair Credit Reporting act Convergent, Fingerhut/Webbank , has violated my rights 15 U.S.C 1681 section 604 A section 2. also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX, has violated my rights15 U.S.C 1681 section 604 A section 2. also states a consumer reporting agency can not furnish a account without my written instructions. 

Other accounts I see on my credit report that are in violation are below. 
XXXX XXXX XXXX XXXX / XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: TRANSUNION INTERMEDIATE 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: Public record information inaccurate

Complaint:
THE CHAPTER XXXX CASE # XXXX IS REFLECTING INACCURATE INFORMATION AND SHOULD BE DELTED DUE TO THE BK CASE NUMBER BEING ENTERED INTO THE BK SYSTEM UNDER 2 DIFFERENT FILINGS. THE CORRECT CASE NUMBER IS XXXX AND CASE # XXXX SHOULD BE DELETED.

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 2020-10-19
Company: EQUIFAX, INC.
State: KY
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 submitting this dispute because Equifax Credit Information Services , Inc., credit bureau has violated FCRA laws 611 ( a ) ( 6 ) and ( 7 ) ; " As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. ", by not providing the consumer with the requested information at all.

Equifax Credit Information Services , Inc. has also violated FCRA law 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 you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. '' The Equifax organization is in violation of this law due to the simple fact that they have not followed it and has yet to produce an original signed contract through physical verification There has been repeated attempts to correct this error in their reporting, but it appears they are refusing to follow the law which is very clear in what it states. Attached, you will find my most recent requests. At this point, my counsel is prepared to coordinate with a representative from the counsel of Equifax Credit Information Services , Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: CITIBANK, N.A.
State: GA
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:
These inquiries have been added to my credit report without my authorization! 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I disputed them and they remain on 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 2020-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Went to close my account with Bank of America on XX/XX/19 @ XXXX. Bank official was busy so I requested a check for the full amount. Was advised it would not close the account. Amount was above the teller limit and was told it would be escalated. During the next hour, I was asked why I wanted to close the account. I said I hated Bank of America and had opened an account with XXXX XXXX down the street. They said the account had not been opened very long. I explained that my primary residence is in MA and Bank of America was the only bank that was in both locations. I have had a checking account with Bank of America for over 20 years as well. Bank teller  said she was waiting to here from a particular dept before she could proceed. I received a call from an unknown number and didnt answer it. I checked my online account and saw a XXXX  balance in my account. I went to the teller thinking she had my check but found out there was a hold on my account and the only person that could resolve it was a XXXX XXXX who had just tried to call me. I tried calling 25 times and left several messages. After waiting for a total of 4.5 hours, I was told the bank was closing and I would not be getting my money and that XXXX would call me after XXXX. He never called and I never received an explanation as to why my account was out on hold

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 2020-10-19
Company: Professional Finance Company, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a debt notice from a company I've never heard of ( PFC personal finance company ) 14 months after a lab visit. Reviewed my records and showed a paid bill from that doctor 10 months ago. I called PFC and they wanted a lot of personal information of mine including SSN, DOB, etc. Seeing I've never heard of this company and are not familiar with the debt, I chose not to provide it. They got angry and indicated they'd end the call.

So I then called the lab to try to understand if there was any legitimacy to the claim. They could not verify it's legitimacy based on the account number provided by PFC. They too indicated that they're not actually the lab, but a 3rd party outsourced company ( XXXX at XXXX XXXX XXXX ) who really doesn't have much access to information.

So I have a company I've never heard of trying to collect a debt that I don't think I owe. And a company who represents the company who allegedly referred the debt, who has no record of my account or a debt.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I am trying to use Care Credit at XXXX to purchase {$17.00} in cat litter and cat treats and according to the cashier it is trying to switch from credit to debit and it fails. It fails with a declined message saying it can't be ran as debit. I called Care Credit and they said they are investigating the problem and it's widespread. They told me to try to purchase at the XXXX pharmacy but, that also didn't work for me.

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 2023-01-03
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2022 Carrington Mortgage took over my mortgage.

Never sent a certified or registered letter stating what was going on.

1. There were able to take payments over the phone. But unwilling to help me set up direct payments.

2. Instead sent me to a prerecorded message saying we're not able to help you right now. Due to overwhelming calls right now. Please call back later. No number to call back with.

I think 4 times I went through this. 
My son had stopped by just after I made XXXX payment an found there site for direct payments..I filled it out. An it said direct payments are now set up. 
3. They tried to say I never set up direct payments.

4. But though this site an the XXXX

They been unwilling to answer how I know the last question in the sign up site.

That being. Your payments will never go up. Unless your insurance or taxes go up.

How would I know this if I didn't sign up. 
5. They say they sent a home inspector to visit the house. 
But no one around me including me ever seen anyone here. 
Nor have they sent documents that show it happened.. 
I'm willing to pay all that I owe. 
But not willing to pay their interest fees or late fees or inspection fees. An I will not pay unless this is meant an no report to the

credit bureaus. 6. Even though they would take payments by phone they were unwilling to help me sign up for direct payments. 7 their no concern for elderly or the XXXX  veteran. I belie
ve they should be removed from handling any more va loans.

8 if this isn't settled by XXXX of XXXX. I will be asking courts to reimburse me for pain and suffering. Lost of sleep and XXXX XXXX. From worrying about this. 
An which I believe started my health problems. 
That being. Tested for XXXX the last 5 weeks now. 
9. 
On XX/XX/XXXX I will also refer this to the Minnesota attorney General office. 
Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: EQUIFAX, INC.
State: GA
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:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
On XX/XX/2019 I realized that my Coinbase Pro account had been temporarily disabled. 

The same day I contacted their Support Center explaining that I was unable to access my account, and Case # XXXX was opened. 

Later I received a reply email in which I was informed that my case had been trasnferred to a specialist who would be able to help me with the issue. 

On XX/XX/2019 I received an email from coinbase in which I was informed of the closure of my account, due to alleged violations of the terms of service. In the same email I was invited to access the account to withdraw the remaining funds and complete the closure. 

On XX/XX/2019 and XX/XX/2019 I sent two emails to Coinbase asking for more details on the reasons for closing the account and, above all, asking for their help so that I was given the opportunity to withdraw the remaining funds. 

The amount of funds I can not withdraw is around EUR 15000, divided between BTC, ETH and EUR. 

To date, my requests have remained unanswered and it is still impossible for me to withdraw my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX  XXXX and Experian Rent bureau are incorrectly showing a rental amount as outstanding that for XX/XX/2023 that was paid on time before the date required on my rental lease. This was resulted in me being out of pocket approximately {$500.00} due to application fees for rentals. I am consistently being denied due to this error while on a timeline to move due to a medical XXXX. XXXX  XXXX refused to give me any information on my dispute, despite me having submitted documentation on XXXX providing this was false. I was denied for a property I very much wanted based on this information. I am also trying to refuse it with experian.

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 2021-08-13
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Sir, My XX/XX/2021 fixed-rate mortgage balance was {$35000.00} .I made a payment of {$590.00} in XX/XX/2021 which has been applied. Based on a simple interest rate of XXXX the interest deduction by Rushmore should be about {$140.00} and my principal should be about {$400.00}. My current balance should be about {$34000.00} not {$34000.00} as Rushmore has in their statement. As always I have asked them to correct this to no avail. I am not owing them an other money. Attached are printouts from their statement. Please intervene.

Company response to consumer: Closed with explanation