BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-03
Company: CORELOGIC INC
State: NY
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:
I do not give any permeation to this company to check my credit reports and i never apply for anything with this company This company rum 6 times my credit on 1 month

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 2017-12-02
Company: ACS Education Services
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
my issue is with conduent. my original student loan was opened in XXXX. I have been going to school and all loans were deferred. i got ill with XXXX in XXXX XXXX and stopped going. 99 % of my loans were with XXXX and they contacted me about repayment. when i called them they told me how i needed to handle it. ACS apparently sold my loan to conduent. In XXXX XXXX i called the XXXX, XXXX and New york after discovering a late reporting on my credit bureau. Nobody could help me. The customer service associate said they only handle investment accounts. 

About two days after the phone calls I get a bill from Conduent. The bill was for a minimum payment of over {$300.00} and said i was already delinquent. I called conduent on XXXX XXXX, XXXX and was told to write in to emailsupport about Account XXXX. I told them this debt is being disputed because 1 ) i do n't know if its mine 2 ) i never got a bill. 3 ) according to one credit bureau this is still being deferred. 

They wrote back saying they are required to report accurate information. i re wrote sending a screen shot of my credit bureau and advising i never got a bill before now. they responded by calling me someone else name and still said they would not assist. 

My name is XXXX XXXX. the account # is XXXX with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX {$450.00} XXXX   XXXX {$3200.00} XXXX XXXX {$4300.00} XXXX XXXX XXXX {$120000.00} CHAPTERXXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTERXXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2021 I placed a {$170.00} online order from XXXX XXXX for a t-shirt and pair of shorts. I paid through PayPal with {$100.00} being charged to my personal credit card, and {$63.00} being charged to my PayPal cash balance. I received tracking information for the items, but when the package arrived on XX/XX/2021 it did not contain the items I ordered, but just a small string. I immediately filed a dispute with PayPal. I requested a full refund, but PayPal claims I typed XXXX instead of XXXX. I received a refund for {$17.00}, and immediately contacted PayPal to correct the mistake. They initially told me they could not reopen the case, but after further investigation they said they could give me a full refund. I did receive the refund for the full amount charged to my credit card ( {$100.00} ), but never received the refund to my PayPal cash balance ( {$63.00} ). I contacted PayPal again and explained that I was still waiting on the {$63.00} refund. The agent told me he saw where the previous agent said I would receive a full refund, but claimed this was an error. I asked to speak to a supervisor, XXXX, who told me the same thing. I requested recordings, transcripts, and notes from my calls to customer support, and asked XXXX to escalate the situation to her superiors.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-10
Company: Bread Financial Holdings, Inc.
State: IL
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 AN ACCOUNT WITH VICTORIAS SECRET WHICH WAS PLACED IN COLLECTION, AND SOLD TO ANOTHER COLLECTION AGENCY. HOWEVER IT IS SHOWING UP ON MY CREDIT REPORT TWICE, ONE TO THE ORIGINAL AND ONE TO THE NEW COLLECTION AGENCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: EQUIFAX, INC.
State: TN
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:
I have credit inquires on my Equifax report that I didn't authorize and I have since put a fraud alert on my report to prevent this from happening in the future. 

1 XXXXXXXX XXXX XXXX XX/XX/XXXX 2.XXXX XXXX  XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XX/XX/XXXX 6.XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: GOLDMAN SACHS BANK USA
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: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize anyone employed by GOLDMAN SACHS OR ANY OTHER COMPANY, and including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. XXXX is the only out of 3 agencies that have not put the freeze as requested, that both XXXX and XXXX did, and this in addition to several other inquiries started after the XXXX data breach publicly known.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: Coinbase, Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
In XXXX of 2021 I opened an account with Coinbase, aka XXXX under an abbreviated portion of my legal middle name & full legal name. On XXXX XXXX2021, my computer was hacked & I subsequently called Coinbase & disabled my account. Now ; I can't access my account, because Coinbase will not verify my ID on my drivers license, which shows my legal name & webcam photo of myself, because the account name is an abbreviation of my legal name. I have filed numerous complaints with, only to have them dismissed. NONE of the support options offered included my situation & Coinbase does not offer live support.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-20
Company: MONEY SOURCE, INC., THE
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I acquired a FHA loan in XX/XX/XXXX for which The Money Source, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CT acquired the loan and began servicing it. No issue with payments until XX/XX/XXXX for which one of my online payments was returned NSF for which I immediately resent until determining issue. This occurred again on XX/XX/XXXX for which payment was resubmitted on XX/XX/XXXX.  Issues with payment were due to scheduled payments and direct deposit payroll occurred on same day and bank returned my payments. I was restricted by the The Money Source for six months from making online payments for which I contacted them and was given a bank account in Texas to wire my payments. This was done monthly from XX/XX/XXXX until XX/XX/XXXX. On average it has taken TMS around 20 days to locate my payments. In the course of the period, I was called daily numerous times about payment delinquent at which times I emailed copies of ACH/wire transfer confirmations from my bank. The XX/XX/XXXX payment was made on XX/XX/XXXX and was finally located and posted to my account on XX/XX/XXXX. I was called 117 times from TMS from XX/XX/XXXX until XX/XX/XXXX when the payment was finally found. Not only did they call me from XXXX, my caller id displayed call from County Jail (  XXXX ), The Money Store ( XXXX ) and 5 different local numbers from my area code that they were spoofing to get me to answer. I answered one of the calls and the agent told me that is was often then spoofed numbers so that consumers would answer phone. Not only were there excessive phone calls they would call numerous times in a row. Example on XX/XX/XXXX they called 7 times in a row at XXXX. I was at work but at XXXX I returned the call. Once again on XX/XX/XXXX I received 6 calls in a row at XXXX and 16 calls in a row at XXXX. On XX/XX/XXXX received 13 calls in a row at XXXX. On XX/XX/XXXX at XXXX TMS called 10 times in a tow. I returned the call at XXXX. Finally payment was located on XX/XX/XXXX and applied to my account. The entire time I was communicating with TMS and provided the same proof payment. During this period of time I was accused of not making payment, stating that funds were still in my personal account and recieved certified letter that I was 30 days delinquent and that by the end of XX/XX/XXXX my home would be reappraised and inspected. I am in awe that FHA loan servicing provider can use such antics. I feel as if there collection efforts were inexcessive and unnessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was with Well 's Fargo Home Mortgage. In past I have had a number of issues with this company & reported them @ leaset 2-3 times for these issues. Therefore I recently refinanced my home with XXXX XX/XX/XXXX since this is my current bank & plus interest rates came down. Also I wanted to get rid of Well 's Fargo because of all the errors they have made over the years. My Mortgage was paid off in full on XX/XX/21 by my XXXX new acct. BUT to date, XX/XX/21, Well 's Fargo has NOT sent me my escrow monies. Yes I did call them & supposedly was told sent on XX/XX/21 BUT why were they awaiting so long to release my escrow? Were they awaiting to get any interest on these funds?? I am unsure how the banking system works, yet in todays economic climate, as soon as my mortgage was paid in full by XXXX, Well 's Fargo should have released my money. Again today is XX/XX/21 & I have NOT received my funds. THIS is like my 3rd complaint about this banking company & something should be done re : their inept practices. 
I have been a dedicated consumer & was way ahead on my mortgage payments. In fact my next payment, IF I stayed with them, was due XX/XX/21. So show respect for a dedicated consumer.

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 2019-04-03
Company: AES/PHEAA
State: AK
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:
I have worked for the same employer, which is a XXXX XXXX, since XX/XX/XXXX. I consolidated my oldest student loans into two loans with a combined balance of {$100000.00} on XX/XX/XXXX, and I have been making my monthly payments under the IBR repayment plan, which qualifies for the PSLF program, ever since. I have completed multiple Employment Certification forms that certify my employment back to XX/XX/XXXX, thus proving my PSLF eligibility for every single payment I have made on these two loans. 

However, the number of qualifying payments FedLoan Servicing shows on my loans is incorrect. The data shows I have only made 54 qualifying payments and am not eligible for forgiveness until XX/XX/XXXX. However, according to my records, I have made 90 qualifying payments and am eligible for forgiveness in XX/XX/XXXX. 

I have submitted multiple requests through the FedLoan Servicing website, with the last two being on XX/XX/XXXX and XX/XX/XXXX, requesting that the qualifying payment information be corrected. I have also made multiple phone calls to FedLoan Servicing requesting the same. The most recent emailed response I received was on XX/XX/XXXX, which stated, " Please allow ample time for this request to be completed due to the amount of extensive research involved with counting qualifying payments. '' While I understand my request takes time, it has been going on three years since I noticed the incorrect information and brought it to their attention. I am making changes in my career within the next 2 months and I require confirmation of the number of qualifying payments I have made and when I am eligible to apply for loan forgiveness. I have been unsuccessful at getting this information on my own, have allowed more than ample time for research, and now need to escalate this problem to a formal complaint in an attempt to resolve the incorrect information on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am AUTHORIZED on my sons XXXX XXXX Card. They are reporting late in error and I have called them to remove my name from the account and they refused to. They hung up on me once I advised them I was recording the call of them stating they refused to remove me. 

By law I am not responsible for the account and I am only authorized, I demand they remove my name from this card and remove the whole tradeline from my credit. 
I do not want it on my credit at all ... 
Under the FCRA and the FDCPA they are in clear violation.

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 2018-02-16
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I continuously received about 20-30 calls a day at my job and on my cell phone from this company. They also leave several messages a day on my voicemail which causes me not to receive other messages because no one can leave a message after they flood my voicemail. In addition, someone called my place of employment and was very rude to the person that answered.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-03
Company: TRANSWORLD SYSTEMS INC
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
-> I have sent 3 correspondence letters via the US postal mail to dispute the validity of the debit within the initial 30 day period ( the third letter was sent via certified mail to ensure delivery/signature confirmation ).

-> I have also sent at least 2 inquiries/correspondence via their website which has a page dedicated to sending them messages.

-> From all of the above, they have failed to contact me back in regards to disputing the debt and they seem to be running the clock so that the 30 day time-frame will elapse. I am trying all methods of clearing/disputing the debt with them. But they have failed in every single attempt to even acknowledge my dispute of the debt they want to collect.

-> I have also contacted the original creditor ( XXXX XXXX : Patient Financial Svcs ), and they will be reclaiming the debt as it has been within 30 days ( transferred it over to TSI on XX/XX/XXXX or XX/XX/XXXX ). So TSI will no longer have any claim on the the debt and can not contact me to receive payments after 30 days. The debt will revert back to the original creditor and thus TSI needs to respond to my multiple types of correspondence and investigate/close the matter ( as the debt is no longer their 's to collect ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: HW Holding, Inc
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company in question was aware that I had moved out of the property. I sent them several communications and was promised to be contacted in regards to the matter, however, no contact was made. 
Over 2 years later, and I get a notice that they've put my account into collections without notifying me. Aside from that the collection agency told me that company in question informed them that I had filed bankruptcy, which had never happened. This is completely asinine that I have to now take time out of my work day to resolve an issue that would and should have been dealt with 2 years ago.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-24
Company: Experian Information Solutions Inc.
State: CA
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 is not my credit card I have reported multiple times regarding this account and XXXX XXXX keeps telling me it is mine because they are tracing it to me and someone making payments to the account. I never had accounts with XXXX XXXX nor any accounts with XXXX XXXX  where the payments came from. I am a victim of identity theft and attached you will find the police report. thank you

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 2021-02-10
Company: Resurgent Capital Services L.P.
State: IN
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 attempting to purchase a car from my cousin 's lot so he came to my house to check my credit before i spent time going to the dealership to get approved for financing. Upon reviewing my credit profile on XX/XX/XXXX at XXXX at the address listed, i discovered the listed erroneous accounts reported to my personal credit profile : Account Name : LVNV Funding Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$700.00} Account Name : XXXX XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$6500.00} Account Name : XXXX XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$550.00} Account Name : XXXX XXXX XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$940.00} Account Name : XXXX XXXX XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$470.00} Account Name : XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$110.00} Account Name : XXXX XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$2300.00} Account Name : XXXX  Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$1500.00} Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$1200.00} Below are erroneous Inquiries : XXXX  - XX/XX/XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX Finance/Personal XX/XX/XXXX XXXX  XXXX XXXX Finance/Personal XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX  XXXX XXXX Automotive XX/XX/XXXX XXXX XXXX XXXX  Automotive XX/XX/XXXX XXXX  XXXX XXXX Auto Financing XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 filled a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response.

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 2017-12-02
Company: JPMORGAN CHASE & CO.
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 is missing that should be on the report

Complaint:
I am a XXXX yr old successful independent businessman who has a major issue with Chase bank who refuses to grant me a simple revolving credit card even though i have been a customer for a decade with no issues. It is impossible to express my frustration even though i have disputed a item which was not mine, and have clearly maintained active and accounts in good standing i can not get a simple card to begin to build credit. i do not intent to abuse it. nor over use it. just to be like most people and get a chance.

Company response to consumer: Closed with explanation