BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-26
Company: Paxful Holdings, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
XXXX, XX/XX/XXXX. 



Dear Sir/Madam, I need your help to reach Paxful. 


Background : XX/XX/XXXX, I fell victim to a multilayered scam operation by XXXX The company offered investment services with the goal of robbing and defrauding clients. I lost XXXX, XXXX XXXX which was transferred from my wallet utilizing their services. 

XX/XX/XXXX : My first telephone contact with the investment manager and cryptocurrency broker XXXX XXXX and the security officer XXXX XXXX XXXX at XXXX. XXXX XXXX XXXX showed me the broker check at XXXX - that both he and XXXX XXXX were registered there. After several phone calls, answers to my questions, and a homepage check I didnt find anything suspicious ; the company seemed to be in order. 

XX/XX/XXXX : I opened an account with Paxful for bitcoin trades. 

XX/XX/XXXX : My first transaction from my bank XXXX, XXXX XXXXXXXX XXXX to XXXX. ( Attached file : XXXX XXXX ) ( Attached file : XXXX XXXX ) XX/XX/XXXX : Trades via Paxful ( Attached file : Paxful Trades ) XX/XX/XXXX : My second, and last, transaction from my bank XXXX, XXXX XXXXXXXX XXXX, to XXXX. 
( Attached file : XXXX XXXX ) ( Attached file : XXXX  XXXX ) XX/XX/XXXX : Trades via Paxful ( Attached file : Paxful Trades ) XX/XX/XXXX : The cryptocurrency broker XXXX XXXX reported an unreal profit which made me understand that something was wrong. 
( Attached file : XXXX XXXX ) XXXX XXXX : I tried to withdraw my invested money from my account at XXXX but found out the funds were stolen. 
( Attached file : XXXX XXXX ) XX/XX/XXXX : A police report was filed, by me, against the company XXXX. 
( Attached file : Police report ) XX/XX/XXXX : Sent an XXXX XXXX Letter to XXXX and Paxful. 
( Attached file : XXXX XXXX Letter to XXXX ) ( Attached file : XXXX XXXX Letter to Paxful ) XX/XX/XXXX : Answer from Paxful ( Attached file : Paxfuls answer ) XX/XX/XXXX : Sent a Dispute Letter to XXXX. 
( Attached file : Dispute Letter to XXXX ) XX/XX/XXXX : Answer from Wise ( Attached file : XXXX  answer ) XX/XX/XXXX : Sent Police report to XXXX  XX/XX/XXXX : Confirmation from XXXX  ( Attached file : Confirmation of receiving my email XX/XX/XXXX : Sent a Rebuttal Letter to Paxful. 
( Attached file : XXXX XXXX to Paxful ) I have tried to get help from Paxful and XXXX without any success. Can you please help me? 


Kind regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I contacted XXXX XXXX on XX/XX/XXXX & spoke to a rep by the name of XXXX & she assured me that NO ONE from Experian verified anything in regards to my credit file & that my XXXX XXXX file has been frozen since XX/XX/XXXX. I also contacted the XXXX XXXX Federal Court on the same day & was also told that NO ONE from Experian verified any type of bankruptcies.

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 2022-08-25
Company: BARCLAYS BANK DELAWARE
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:
My card was sold to another company. The payment agreement I had with XXXX did not transfer to Barclays. The autopay continued to work until it suddenly stopped. This resulted in a pst due payment reported. Is this allowed? I certainly would have paid the proper company had I known.

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 2021-03-08
Company: SLM CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
During the pandemic my son who is the main person in the loan contacted the loan company and asked for a forbearance due to the covid 19 situation. A cording with the federal Government students couldn't excuse for 3 months without been report to the credit bureau. After My son called to the loan company Sallie Mae the reported my son and myself for late payment for 90 days, violating federal rules. I called sallie mae and their representative stated to me numerous times that they are private lender and they don't have to follow federal regulation. That whatever federal government said doesn't apply to them. 

This is my second complaint and the first one someone from sallie mae called me and stated that they will take care the issue, however, that was a lies. I spoke with a representative on XX/XX/2021 and he stated that they are private lander and the federal regulation doesn't apply to Sallie Mae. 

My son is making payment on these loan and they have don't care about poor students, Sallie mae use dirty practice and customer service are very rude. 

I want them to remove my name from my son 's loan since he is working and able to make payment. We submitted the cosigned removal report to sallie mae and the rejected our request. 

I want Sallie mae to remove our name from Credit bureau because its affecting our credit report without any reason. 

I want federal government to open an investigation on Sallie Mae regarding student loan because they using dirty practice to collect money from poor people that cant afford to pay now and for not follow federal guidelines. 

The student loan # XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Incorrect account in collections. Date Experian was notified : XX/XX/XXXX. Date Experian allegedly validated debt XX/XX/XXXX. Submitted re investigation request XX/XX/XXXX. Experian claims valid debt XX/XX/XXXX. On XX/XX/XXXX I investigated the matter myself by speaking with the company in which I had the supposed debt with. Company unable to validate debt. Experian violates the provisions under the FDCPA and FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
First of all who the heck is XXXX XXXX. They are asking me for personal information I am not comfortable with and that is why I contacted the FTC. I also had someone call me claiming to be from the IRS and my wife called them back and the were with XXXX XXXX so may be instead of harassing me you should check your employees. 

They have my wife 's number and they have a work email that she has not used for awhile. Usually only junk comes through on this email. 

My wife has a business account that you tried to access, nothing came through. We were notified right away.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
To my surprise, I was charged {$10.00} checking account monthly service fee with Wells Fargo. As far as I was aware, based on the account terms I agreed in XXXX, there shouldn't be any fees. The terms were : Direct deposit, daily account balance minimum of {$500.00} or a minimum {$25.00} automatic transfer to a savings account. I had a savings account to accommodate that requirement. 
Apperenty, Wells Fargo changed those requirements in XXXX and " notified '' me via monthly statement. The new requirements are : Maintain a {$1500.00}, minimum daily balance {$500.00} or more in total qualifying direct deposits Monthly, automatic payment to a Wells Fargo home equity/personal loan, personal line of credit or home mortgage I didn't receive any additional notifications to look for an important information on my statement. No additional notification letters or emails were sent in that matter as well. 
I use XXXX money management software and online banking to keep track of the transactions. I extremely rarely look at my monthly statement since all of my balances and transactions usually match. Therefor, I didn't receive notification about the changes to my account. 
I spoke to Wells Fargo more that once about this issue. They refunded {$10.00} fee I was charged. However, they refused to acknowledge the failure in communication with me about the changes to my account. I was told it is my responsibility to check my monthly statement and know about changes. They said I agreed to have any account terms changes by Wells Fargo at any time, according to the account agreement. 
" Per the Deposit Account Agreement ( page 38 ), we can change the terms, including account fees and features, at any time by adding new terms or conditions, or by modifying or deleting existing ones. We will describe the change along with the effective date in a message within the account statement or by any other appropriate means. '' I expressed my absolute disappointment with how Wells Fargo communicates with their customers. I didn't feel any appreciation for my business with them for almost XXXX years. I communicated that any important notifications should be sent via mail or email, based on a customer choice, and confirmed they were received and understood. 
I believe this is unfair practice by Wells Fargo and it should be addressed as there might be a very large group of people who were not aware of this or other kind of important changes to their account terms.

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 2020-04-24
Company: Santander Consumer USA Holdings 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:
On several occasions I have filed a dispute with XXXX. I am afraid this company is too large to actually do a thorough and fair investigation. Credit reporting bureaus like XXXX  claim they are here to help consumers with their credit reports by offering various services, while the company has proven to exploit our information to hackers and do lack luster investigations that seem biased in favor of the debt collector. 

I have filed a claim with XXXX  over an auto loan with Santander from XXXX. The problem with this auto loan is that I got behind on my payments due to multiple set backs. The first set back in which Santander USA was fully aware of was be being wrongly terminated and actively engaged in a discrimination lawsuit against a previous employer. 

Then Hurricane Harvey hit XXXX, Texas in XXXX affecting my residence and vehicle. FEMA inspector determined my vehicle to have damage, and scheduled an appointment with a mechanic to estimate repair costs. Although I made Santander aware of this, they still chose to reposess the vehicle before the 90 period that they claimed we had before a vehicle was reposessed. What type of company would prey on a Natural Disaster Victim and Discrimination Victim. 

XXXX  removed Santander from my credit report after their investigation. But after 3 attempts to dispute it on XXXX  they have yet to remove it and refuse to acknowledge XXXX  investigation making their investigation negligent. 

XXXX  caused all my data to be breached after i trusted their services, and yet they cant even give me an honest removal of Santander from my credit report. I am eventually going to seek legal guidance if this isnt resolved. This crooked scam system they have going needs to be thoroughly investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor XXXX XXXX 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 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-02-20
Company: LEXISNEXIS
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
The following payments were never recieved. I am the policy holder and owner. 


Claim # XXXX {$2000.00} Claim # XXXX {$3400.00} Claim # XXXX {$14000.00} Compensation Damages should be awarded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
My credit limit is XXXX and capital One has not increases my credit limit and has declined XXXX payment transaction due to my credit limit. 

After capital One decline payment transaction I did authorize XXXX to further charge my credit card due to the credit card limit and the notice from the bank that the transaction was declined on multiple occasions. 

The transaction is a fraudulent transaction and I didn't authorize this transaction after the payment was declined by Capital One Bank. 

Attached are the notices from Capital One that the transaction was declined due to the credit limit being XXXX. 

Capital One has not increases my credit limit and have allowed a fraudulent transaction on my account without my permission or authorize after multiple notice regarding the credit card limit of XXXX This transaction is a violation of the Patriot Act. 

Please see attachment. 

I have records all conversation with capital One regarding this matter under investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. You keep on reporting me late on this following account under EXPERIAN and XXXX XXXX 30 days late in XXXX XXXX, 60 days late in XX/XX/XXXX, XXXX XXXX, 90 days late in XX/XX/XXXX, XX/XX/XXXX as well as 120 days late in XX/XX/XXXX and 180 days late in XX/XX/XXXX. 

You have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, you must remove this negative information and update it to paid or paying as agreed! This is clearly a discrepancy that you are still reporting up until now! Make sure that you will update this as never late!!

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 2017-07-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are two accounts on my credit that Experian is refusing to remove despite the fact that they are not mine. I have sent disputes for almost an entire year now trying to get them to address my issue but my dispute is never processed properly. The accounts are a {$630.00} " XXXX XXXX '' and the other one is a {$370.00} " XXXX XXXX  XXXX ''. The other credit bureaus promptly deleted these accounts when I first sent disputes and they investigated and found the accounts are not mine. I do n't understand how Experian is the only credit bureau who is getting a different result for the same investigation that XXXX and XXXX did. Why is this account only being reported on Experian? I am including a section of a recent report which shows how these two collections are only reporting on 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 2020-02-20
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credence Resource Management purchased a debt from XXXX XXXX another debt collector that had previously been disputed with XXXX  and removed from my credit. It was placed on my credit again under Credence Resources Management. I do not owe XXXX XXXX or Credence Resource Management money nor do I have a contract with them to pay. Per the FCRA this entry must be deleted from my credit immediatly as it violates my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXXXXXX XXXXt Account # XXXX, XXXX XXXX XXXX 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 : 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 2020-02-20
Company: Nelnet, Inc.
State: IL
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:
Severe misallocation of XXXX payments for as long as I can see in the payment history from the servicer 's website. I ONLY noticed this with my most recent excess payment of {$1500.00} on XX/XX/2020, in which the amount was not applied as intended ( i.e., 100 % towards the loan with the highest interest rate ). To provide context, I'm paid ahead by several months AND I have a recurring automatic payment on the XXXX of the month to ensure that I'm ahead of any due payments, so any ADDITIONAL payments should be applied as I see fit ( which I specifically note in the custom allocation of my payment during the processing of said payment ) ; however, the loan servicer, Great Lakes Educational Loan Services, either intentionally or erroneously spread my excess payments out across several loans that have lower interest rates, which just makes my total payment across the life of all my student loans significantly higher. This is unlawful and is almost identical to the XXXX  misallocation of payment lawsuit. I have contacted the loan servicer multiple times about this, and I have yet to see a resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: DISCOVER BANK
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XX/XX/2020, received an email with the subject line. we detected a new account opening. 

Goes on to say, View Details We monitor your XXXX  credit report every day and have detected that a new credit account was opened in your name. 

No such account has opened. following their link led me to a paid service. I could not find the new account on any other credit reporting website. 

I just felt that it was unfair that they could lie to me and tell me that my identity has been stolen in an attempt to sell me something.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: DISCOVER BANK
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Discover Bank sent me a letter dated XX/XX/20 indicating they had received my dispute and was investigating and would inform me of their findings subsequent to investigation. They informed me they had informed XXXX XXXX of dispute. 

XXXX XXXX informed me they were told on XX/XX/20 that disputed account was correct. Dispute was closed. 

I have no idea if the investigation is closed ; I have not been notified of their findings if it is. Hoping CFPB will contact Discover to see if investigation is closed. Have asked Discover but receive no response.

Company response to consumer: Closed with explanation