BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-04
Company: HEARTLAND PAYMENT SYSTEMS INC
State: ME
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 am ready to repay my student loan and have access to an online portal to repay the loan but it does not allow me to repay online. The company charges high percentage fees for any payment method other than paying directly from my checking account but when I attempt to use this payment method, I am unable to pay the loan because the balance incorrectly displays as {$0.00}. I have tried to use the live chat that is available and it does not load before the system times out my log in. This is very frustrating because I feel they are able to collect more interest on my loan when I am ready to pay it off. I have attempted to pay off this loan 4 times in the last 2 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: EQUIFAX, INC.
State: NY
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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX Balance : {$270.00} XXXX XXXX Balance XXXX {$880.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$5600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$160.00} XXXX  XXXX Balance : {$2.00} XXXX  XXXX Balance : {$1400.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$1300.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-10
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission, and 15 US C 1681a ( 2 ) ( B ) right of exclusions, the latter was truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: Experian Information Solutions Inc.
State: AZ
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:
These are not my accounts, or addresses on my credit file. Additionally, I didn't authorize these companies to pull my credit. Please remove 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 2020-07-04
Company: WESTERN UNION COMPANY, THE
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2020 at XXXX XXXX I made a money transfer of {$400.00} via the Western Union to a family member in another country. After I sent it, my family member called to tell me he was " not allowed to receive the money because the receiver name on the transaction didn't match his government identification '', so, I thought, " I'll fix it, no worries, let me call the Western Union and ask to change the receiver name ''. So I called and was transferred a million times only to be told " there's a hold on the money '' by the " Compliance Team ''. So, I went in person to the place where I made the transfer and the man at the counter had the same issue with the office over the phone for A WHOLE HOUR only to be told at the very end " the sender needs to call and cancel the transaction to get a refund, we can't change the name ''. So, I'm currently calling them to cancel the transaction and am being ignored on hold. I want my money back, this is some kind of a scam. I called the company several times over this issue and nothing has been fixed. HELP ME. This was my grandmother 's funeral money, where does Western Union get off eating funeral money??? Someone fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid off 4 debts with XXXX XXXX XXXX, but they were holding my money and not paying my debts fast so they could collect fee money. I would pay them {$300.00} a month and they would pay {$10.00} a month to debtors. So I contacted the debtors left, one is XXXX Resurgent. They agreed by phone to let me pay the rest of the debt by paying the {$230.00} 2 months and the debt would be paid. I recorded the phone call 2 times. I asked them to send it to me in writing and the following month they demanded the payments without a letter. I said as soon as I get the letter I will pay them. They finally sent a letter but with the full debt of the credit card, which I never spent, without any of the payments from XXXX XXXX XXXX included. They are refusing to honor their agreement with me and XXXX XXXX XXXX so I can pay the debt. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
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:
The credit bureaus are reporting erroneous information on my credit file.

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 2017-08-07
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
PayPal has been harassing me non-stop over the last year with constant methods of trying to steal my money in addition to their exhorbitant processing fees they charge ( 30 % versus regular 1-2 % by merchant services ) because they say their internal security model is so superior they say. However for no reason and out of the blue today I got an email that says their going to seize a huge portion of all my credit card transactions to " build up a reserve '' even though I 've never had a chargeback against me and I 've made them a ton of money in fees over past 1 year. Please investigate them aggressively and get this nonsense off of my back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: CCS Financial Services, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The amount they are trying to collect is incorrect. I have spoken with XXXX to update amount and tried to arrange payment plan since I'm unemployed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: Experian Information Solutions Inc.
State: DC
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 contacted XXXX, XXXX, and Experian several times via phone and certified mail on multipe occasions in regards to inquiries that I did not authorize or was not familiar with. It makes it look like I'm begging for credit, and that is not the case. I am trying to qualify for a home loan, and it makes it difficult when they're checking credit and I have inquiries from places that I didn't inquire credit from. I have disputed and reached out to bureaus several times and they say the same thing repeatedly. The companies either need to send proof of validation or it needs to be removed. The following inquiries that were not authorized are as follows : XXXX XXXX XXXX XXXX XXXX 'XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
On XX/XX/2018, I transferred XXXX Bitcoin ( {$1000.00} USD at the time ) from my GDAX   account to my Coinbase account. The balance in my GDAX account went to XXXX BTC. When I checked my Coinbase account, the balance was also XXXX BTC. Effectively my Bitcoin balance just disappeared entirely. 

I created a ticket with Coinbase to resolve the issue and it turns out there was a bug on their side which caused the BTC I transferred to be sent to my old deleted account, making it impossible to access the BTC. It has been almost a month with no updates from Coinbase and I am completely unable to access these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: TRANSWORLD SYSTEMS INC
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been a customer of XXXX XXXX XXXX for 9 years, not once did I miss a payment due to being enrolled in auto pay with XXXX military credit card. I canceled services in the beginning of the year due to many reasons. 
1 ) XXXX  continuously upping rates ( went from {$25.00} military gurantee rate to {$58.00} ) 2 ) we had pre paid cameras installation with a ring door bell threw XXXX which was never installed due to the tech and service mgr claimed due to our front foundation there was not enough room for the ring which required a min of 4 '' 3 ) there is currently a worldwide emergency know as covid 19 with millions unemployed and out of work ( which leaves someone home 24/7 not needing to waste {$58.00} for services no longer needed We have requested a copy of the alleged XXXX contract they're trying to charge us {$860.00} for after being a loyal customer for 9 years not to mention the numerous harrasing phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: EQUIFAX, INC.
State: LA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and discarded : 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 2023-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
The investigation took longer than 30 days. I have attached my dispute letters I sent to XXXX, XXXX and XXXX which date my first letter to XX/XX/XXXX  and my second letter to XX/XX/.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: Integrated Asset Recovery LLC
State: NY
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 have 2 accounts with XXXX XXXX and sent them a form stating as a debtor under the fair credit reporting act they are suppose to provide me with a copy of the original creditor consumer contract that they are suppose to have on file within 30 days of me asking them to provide it for me or to be removed of my account and they haven't done so

Company response to consumer: Untimely response
Consumer complaint received 2021-10-06
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Someone called into Chase and changed the address and phone number on my Credit Card Account. I need to find out how this happened and make sure it does not happen again. I called and they told me someone called in. I was put on hold for over 50 mins and a rep never came back on the line. I called back in and a rep told me that It was changed online. I have two stage authentification on the account. There is no way that anyone could have done it online. Either the representative gave access to my account because they don't know what they are doing or they are part of the theft. I need to know if a chase employee is trying to steal my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
on XX/XX/2020, my account was hacked and charged {$300.00} on my credit card. The company, paypal said they would do a long investigation but ended up closing the dispute the same day. The address on the transaction isn't even my correct address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
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: Old information reappears or never goes away

Complaint:
I have duplicate marks showing closed & open with my school loans several times ( due to them selling my account without me knowing ) reporting on my credit report. I have called and talked to someone but they are telling me it will go away. That was 6 months ago. I call every other month and keep getting the same answer.

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 2020-09-01
Company: Rocket Mortgage, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
After waiting many weeks ( early XXXX ) after submitting everything required by the mortgage lender, rocket mortgage, and only after repeatedly pestering them during the long silent interim, finally rocket mortgage and and XXXX were ready to close on my mortgage, as was I on Friday XX/XX/XXXX. Despite plenty of reiteration and generous notification, they failed to properly arrange the split signing required as the consignor and myself are in different states. This resulted in more delay on a loan that was already part of a protracted process and put financial hardship in myself, not to mention the XXXX XXXX. The companies are slow to respond, if they do at all, and don't seem to care about closing my loan. I've given them everything they have requested. The neglect and incompetence is impressive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: Colony Brands, 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:
The company has had multiple request for proof and continues to fail at meet the burden of proof they have no credit appl no signed payment agreement and no loan documents

Company response to consumer: Untimely response
Consumer complaint received 2018-09-24
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I already tried to connect and complain about this issue. I have $ XXXX   monthly payment plan, I keep pay {$600.00} but my balance doesn't go down at all. When i complained about this issue before, XX/XX/22, it was 7 months ago and my current balance was {$35000.00}. I made 7 payments since then {$600.00} x 7= {$4200.00} total but my balance only went down {$1000.00}. I dont understand this at all. Since I borrowed the loan I paid almost {$35000.00} but my loan only went down {$10000.00}. I dont believe this is correct, otherwise It looks like I have to pay back {$500000.00} to pay my {$45000.00} loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 TransUnion to notify them that they have scored me using old-outdated information. They had a ten year old bankruptcy listed on my record. Equifax had the same record the previous month but when they removed it, my scored jumped 88 points from a score of XXXX to XXXX. I contacted TransUnion to inform them of their mistake and they did remove the bankruptcy from my record. My issue is that even after removing a bankruptcy, my score XXXX with TransUnion did not change at all. How is it even possible that the removal of a very bad record such as a bankruptcy report did not change a credit report score at all???? 

I request that TransUnion recalculate my credit score rating taking in consideration that it no longer has a bankruptcy record. My credit score should be in the 800-850 range!

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 2020-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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 balance transfer

Complaint:
I put in a balance transfer using my card with no fee interest transfers from my capitalone quick silver card account # XXXX. The balance transfer for the amount of {$250.00} to another credit card of mine XXXX credit card account # ending XXXX. 

The transaction was put in on XX/XX/XXXX and showed as payed on XX/XX/XXXX. Capital One customer service claim they sent a check but want give a clear reason why they didn't send it electronically. 

It is XX/XX/XXXX and Capital One caused a late fee on my balance transfer to XXXX XXXX. They claim they have no idea where the check is and can't promise it will be cancelled. 

Customer service was very rude and I was hung up on twice and then passed around through Capital One system for hours to finally hear that they will cancel it but can't promise. I believe they are being dishonest and never sent anything. I asked them to pay my late fee and cancel the balance transfer and it seem that either was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01
Company: EQUIFAX, INC.
State: FL
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 sent a certified letter to XXXX, XXXX, and Equifax disputing a negative item that they are reporting on my credit report from XXXX XXXX XXXX, account number XXXX. I have requested that they validate the information with XXXX XXXX XXXX and provide me details ; to include provide me with copies of any documentation associated with this account, bearing my signature. In which XXXX, XXXX, and Equifax failed to do, only sent me a letter saying the account was verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have sent letters repeatedly to Equifax, XXXX, and XXXX  asking them to validate and even show me their method of verificatiion for these fraudulent accounts on my record. I have sent numerous letters to the creditors and this bankruptcy court in XXXX, TN only to have my letter returned right back to me more than twice. I am reaching out to the CFPB for some kind of resolve before I seek legal action. 

The following accounts and inquiries are not mine : XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Bankruptcy Chapter XXXX - Dismissed - XXXX Inquiries : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX   XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief