BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-09
Company: Echelon Financial, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I originally signed up for the service in XX/XX/XXXX, right away I could not get into the system to authenticate my account. I called the customer service numerous of times, to have this corrected. I called XX/XX/XXXX to have the service canceled. The rep stated that I wasnt charged for XX/XX/XXXX and there shouldnt be an issue. I noticed XX/XX/XXXX that I had not received my refund back and tried to contact them again. I sent numerous of emails through their site, trying to get this issue resolved. When I finally got through, the customer service rep had me on hold for an hour and 40 min only to be transferred and hung up on. I recently notice that I have been getting charged XXXX once a month, but when I call could never get ahold of anyone. I finally get in contact with someone XX/XX/XXXX regarding my refund. I spoke with XXXX, she is supposedly the only floor supervisor in the company. First, she stated the company does not refund money, I told her my issue and she stated that they will refund me one month, I then demanded that I receive a full refund because I canceled in XX/XX/XXXX and the funds were still being taken out of my account. Besides that, their system does not work, I was supposed to be able to use their site to view my credit report. She stated that she will refund me three months and that she could not see XX/XX/XXXX. I stated there should be someone there that can see XX/XX/XXXX and there should also be a way for them to look at my account and see that it could not be used do to their system due to the authentication issue, after about 20 minutes of going back and forth with this lady stated that she could only refund me 90 days back and if I didnt like it I can do the survey and hung up on me. After the survey if you stated that you do not believe you were helped the call is transferred to some that could further help. I was on hold for an additional 20 minutes before I decided to just hang up. I should be refunded a total of {$140.00} because the system never worked, but I only asked for XX/XX/XXXX XX/XX/XXXX {$110.00}, the young lady stated I would only get XXXX and thats all she can do, only to really get an email with a refund of only {$29.00}. The company is scamming consumers out of their money, they are charging for a service that I could never use. I would like my entire refund of {$140.00}, since I was already refunded {$29.00}, I should receive an additional {$110.00}. This company should not be able to conduct business if they can not provide the services they are charging people for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03
Company: Lending Club Corp
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
This is the second complaint against Kending Club concerning my loan with them, the deceptive tactics and misleading information, and the fact I spoke with their consumer advocacy associate and asked her specifically to tell me what I was due on my account XX/XX/XXXX because I was in the midst of closing on a home equity line of credit to pay them off. She then tells me she would get back with me. Three days later she then gets back with me. I had the money to get the account current and it is my belief that after speaking with her and reaching out to XXXX XXXX by email over 8 times, my situation with my area being declared a natural disaster or the fact that Im trying to pay them off through my home equity line of credit, means absolutely nothing to them. Worst customer experience of any business I have ever dealt with. Its because of there miscommunication, Im in the position where I can not close on my home equity line of credit to pay them off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03
Company: Genesis Credit Management, LLC
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In reviewing my credit report in XX/XX/XXXX, I learned a company, Genesis Credit Management, had reported a debt in XX/XX/XXXX and never contacted me. To this date, I have received nothing. I attempted to contact them as soon as I discovered the item on my credit report. I wrote to the address on the credit report and XXXX returned the mail undeliverable. I submitted online disputes with XXXX and XXXX. No investigation responses were received from them either. I wrote to other addresses I found for Genesis CM and have never received any response. I sent letters XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX to Genesis. The online disputes were submitted to the credit report agencies during that time and again recently. XXXX has finally corrected the error and removed from their reporting. I have filed a dispute with XXXX as well. I have spoken with an attorney who states they are in violation of FCRA and FDCPA as this effects my ability to move to suitable housing and they did not respond within 45 days with verification of this alleged debt. My right to dispute this debt has been violated. I am being denied housing now in addition to the violation of my rights. To this date, no contact has been made by Genesis to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
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: Account information incorrect

Complaint:
Transunion XXXX  and XXXX  has not currently updated my credit report I have documents proving yeah continental reflex and XXXX on the website stating dirty accounts are XXXX balance I notice accounts are closed

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 2019-02-03
Company: BMW Financial Services NA, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Due to financial circumstances I was unable to continue my lease pymts. This was a 36 month lease and I made 24 of those payments. Bmw came to collect the vehicle and hit my credit report with a balance higher than the original lease amount. I only had XXXX in pymts left. The company refused to allow me to turn in the vehicle early since I was 90 days delinquent. This is unfair practices and my credit report should only include the remainder of lease pymts as amount due. They refuse to correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Dear XXXX Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : Original Creditor ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : 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 2020-10-09
Company: Conduent Incorporated
State: MS
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
This complaint is against the Mississippi division of EPPICARD. 

On XX/XX/2020, I noticed an unusual charge of {$100.00} to XXXX ( I do not own/use any of their services ). Alarmed by this, I decided to backtrack my transaction history, finding XXXX fraudulent transactions totaling {$450.00}. 
They are as follows : XX/XX/XXXX - XXXX XXXX XXXX {$45.00} XXXX - XXXX XXXX XXXX   {$45.00} XXXX - XXXX XXXX XXXX {$45.00} x XXXX XXXX - XXXX XXXX XXXX {$45.00} XXXX - XXXX XXXX XXXX {$47.00} XXXX - XXXX XXXX XXXX {$45.00} XX/XX/XXXX - XXXX {$8.00} XXXX - XXXX {$9.00} XXXX - XXXX {$1.00} XXXX - XXXX XXXX XXXX {$10.00} XX/XX/XXXX - XXXX {$100.00} I immediately attempted to contact customer service and report the matter, only to be redirected, hung up on, and put on hold for 3+ hours. During that time I spoke to 3 separate representatives, and to each of them I gave my account info, explained my problem, and listed the fraudulent charges ( which took roughly 30 mins each time ) Only to be told that they would have to transfer me to someone else that ultimately said they would mail me a form to fill out to file my complaint in order to be reimbursed for the charges. This form has to be received, filled out, sent back, and investigated before any action can be taken. However they only give you a 10 day window to accomplish this task. ( Not from the time you receive the form, but from the time you called initially ) It has been 4 days sense that call, and I haven't received any form. Judging from the 100 's of reviews and complaints that I have read about this company, complaints unsettlingly similar to mine, I have to wonder just how serious they these thefts. You will find a link to some of these reviews below .... 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: U.S. BANCORP
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:
Dear CFPB - 3 Companies involved! 


1 XXXX 2 XXXX 3 XXXX  XXXX XXXX ( XXXX ) I applied for a Credit Card that was branded by XXXX. They said the card was largely issued by XXXX. They said XXXX was the credit bureau that was involved. 

They failed to provide my XXXX report. 


- They also failed to provide a proper phone # for XXXX. The # that was provided had a serious problem. 

- The last 3 digits of that # were the short code for dialing a swat team in an emergency! 

- If people were to use that number - in some cases - it would accidentally call the police! It would accidentally start a false emergency alarm. 

- It would accidentally lead to SWAT Teams being deployed! 


- A lot of safety problems with that! 

- I consent to writing about this problem. U can use my real name - XXXX XXXX - or u can use a code name - or u can use no name & just keep it anonymous. I consent to any 1 of those. 

Please send reply to my paper mail address! 

- XXXX XXXX XXXX XXXX XXXX XXXX, NY 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 2021-03-30
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Equifax and XXXX  are reporting incorrectly my Date of Birth. Equifax has the birthdate completely wrong it should be reporting as XXXX and XXXX  just has the year listed. My correct date of birth needs to be updated. My most recent credit report also shows the following accounts as not in dispute, when in fact these accounts are in dispute. Medical collection/chargeoff account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These line items are in fact in dispute and this language needs to be reflected on my credit report. In addition, these accounts do not belong to me. No original creditor has been listed and I do not even recognize who these collection accounts are for. This false reporting is seriously harming my credit score and these line items need to be removed from my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. I have contacted the bureaus multiple times to review and fix these accounts however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Today, XX/XX/2019 we used a service on our XXXX XXXX app called XXXX. We used it to attempt to buy concert tickets for {$150.00}. We foolishly believed it to be safe because it was offered through our own bank and was offered on the app as a safe and secure way to send money. Immediately after sending the money the person offering the tickets dissappeared. At this point we looked in to XXXX online and discovered the multitude of scams. We called XXXX XXXX and filed a claim but they said there really isnt anything they can do because we authorized the transaction. We tried to talk to XXXX and they said there is nothing they can do. I understand if we cant get our money back, but I find it shocking that they say there is nothing that they can do. I would think that they would want to try to track down the scammers and shut down their accounts. They didnt even bother to take down any information. If the scammers are allowed to continue to do this with impunity, it will just keep happening to unsuspecting victims. I dont understand why they wouldnt want to try to put a stop to this type of activity. Additionally, as a service that is provided through my financial institution and is touted as safe and secure I would think that my bank would want to make every possible effort to try to put an end to scams. They should definitely make it more clear that there is absolutely no protection, but additionally, they should actively try to peruse action against the perpetrators of these crimes. XXXX should be actively trying to shut down accounts of scammers. They should be attempting to prosecute these scammers. They should be tracking who is involved in these scams and they should be working to avoid letting them start new XXXX accounts. They certainly should not be telling people, This is your fault and there is nothing we can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Credit reporting agencies did not report with the correct information, after numerous attempts to have the incorrect information removed they kept saying that the account was verified with no proof - last correspondence stated that they would no longer investigate into the error unless new evidence arose but the company has refused to remove themselves from my credit report since XX/XX/2016and I am refusing to wait it out until it just " falls off ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I submitted a manual payment on XXXX to Barclay Bank in the amount of {$2500.00} that cleared on XXXX but today I've received another payment to Barclay from my checking account. This has caused my account to go into overdraft and receive late fees from other creditors. Only one payment is shown on the Barclay site.

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 2019-02-03
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 is missing that should be on the report

Complaint:
I have been negatively affected by the information Equifax has in my file. The information has not been updated in over 6 years. Accounts missing and old accounts that have been paid in full and closed are still showing. I was just denied credit due to Insufficient Credit References. I have over a dozen active accounts that are all current and have never missed any payments or even been late. This has been a problem for years with Equifax and the last time I spoke with them, they stated that if the creditors dont report, they can not update. How is that right, when XXXX  and XXXX  seem to keep up with my accounts. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received a $ XXXX loan from Sallie Mae with a co-signer and making payments on time, never late. Two years into my loan, my payments were being rejected my Sallie Mae. When I called to check to see why this was the case they told me that my co-signer had filed for bankruptcy, therefore my account was now closed and they would not give me any more information. I called my co-signer and she verified that my loan was not filed during her bankruptcy. I called Sallie Mae again and I asked them where I could send my payments to and they said they would not be receiving anymore payments from me. I was completely confused and continued to send checks to them for 7-8 months. About 3-4 years after I saw it pop up on my credit report as a default by Navient. I have contacted Navient numoerous times and they do not have the correct loan information. They have stated I borrowed over $ 30k but am relieving me of half to settle the account. Which is much more than I owe. Not only that this has been reflected on my credit report for the past 5-7 years and I have had issues with my credit score, trying to get credit cards and mortgage loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX Midwest Recovery Systems sent me a letter with my confidential medical information. Ive never signed any legal document giving Midwest Recovery Systems permission to obtain my personal confidential medical information. This is a clear HIPPA violation and the debt doesnt belong to me. I responded in writing XX/XX/XXXX and have yet to hear back from Midwest Recovery Systems. But what they did do was flag my credit report for a debt thats doesnt belong to me. 

XXXX XXXX XXXX continues to sell this alleged debt. This is the fourth time they have sold my confidential medical records in attempt to collect an alleged debt. Im ready to pursue legal action due to this reckless behavior they continue to display. They have no ethics and need to stop selling patients CONFIDENTIAL information for profit!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: SCA Collections, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Chapter XXXX bankruptcy being reported I have no accounts in bankruptcy this was error. I have spoken with creditors ask this to be removed Violating my consumer rights Public Record Credit Reporting Standards to Begin XX/XX/XXXX Civil Judgments and some Tax Liens to be removed from many credit reports New standards for how tax liens and civil judgments are included in credit reports will go into effect on XX/XX/XXXX. These changes are part of the National Consumer Assistance Plan ( NCAP ), an initiative of the three nationwide consumer reporting agencies ( CRAs ) XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to enhance the accuracy of credit report information and to improve the experience consumers have when interacting with the CRAs about their credit report. Beginning XX/XX/XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of : ( 1 ) Name,

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