BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was contacted by XXXX in XXXX about my home mortgage with them. They stated they could provide a forbearance for my mortgage. I told them I did not want a forbearance if it was going to affect my credit in any way. They assured me that it would not, and that the forbearance would help with the cash flows issue on my rental property. At the end of the 3 month forbearance term, XXXX  called again and asked if I would like to apply for a " Partial Claim '' or " Deferment '' which would place the amount owed to the end of the loan. Again, I stated this would be nice, but if it affected my credit in any way I would rather just pay the lump sum owed since I now had tenants renting out the front portion of my house. XXXX  again assured me nothing would happen to my credit. 

The next month I was hit with a 120-day late payment on my credit report which dropped my score by 149 points. I called XXXX to ask what happened and they admitted that this should not have happened on several recorded phone calls. I asked that it immediately by removed because I had said throughout the process I did not want to make any modifications to my loan if it would affect my credit score. I offered multiple times to bring the account current, but was told to use the forbearance and deferment plans as they would not affect my credit worthiness. 

I called XXXX over 25 times over the next 14 days attempting to get this resolved. I was given three different time slots where a " supervisor '' would call me back within 48 hours. Not once did a supervisor call me. An agent them told me " there are notes in the system to correct the credit reporting on XX/XX/XXXX, as we only report once a month to the bureaus. '' On XX/XX/XXXX, the derogatory account was NOT removed as promised and still sits on my credit report making me ineligible for any loans. The bank was told the house was being sold, so I did not need any further financing options as the loan would be paid in full soon. The house has since sold and yet my credit report shows me being late on payments for a house I no longer own! 

I flip houses for a living and require loans to be able to operate my business. I told XXXX  this repeatedly on several occasions during the 25 phone calls I placed. I still have not been called by a supervisor or manager, and the incorrect credit reporting remains on my report across all three bureaus. I am beyond angry at this point. Any and all reviews of XXXX are 1 star with nothing but problems. I do not understand how this mortgage company is allowed to be in operation in the US. I expect this issue to be resolved ASAP or I will have no choice but to escalate with legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: ERC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello ENHANCED RECOVERY ; XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the XXXX major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. XXXX. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I ordered a product for brush control in the amount of {$78.00} ( Total charged to my Pay Pal account {$84.00} ( including {$6.00} fee ). I never received a confirmation of my order, so I contacted Pay Pal and filed a dispute. They claim the money was refunded, but it is not yet reflected on my account.

Instead of processing my order, the vendor treated it like a money transfer using my account. Here is the information I have on the vendor : Case ID : XXXX Disputed amount : {$78.00} USD Seller info : XXXX Date reported : XX/XX/2022 Pay Pal has failed to communicate further with me about this. I have attempted to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX XXXX, 2018, Navy Federal Credit Union wrongly approved a XXXX XXXX  transaction transfer from my account to an unknown source. Someone called in pretending to be me and the agent within Navy Federal Credit Union released the funds even though there were multiple red flags that it was not me calling in. The person calling change both phone numbers on the account. They then requested to increase the cash withdraw amount from my account from {$3000.00} to {$4500.00} even though I did n't have that much money even in the account. I was informed by a representative within Navy Federal that that was not even something they were allowed to do. They then approved releasing all the funds from my account except approximately {$150.00} even though I had six pending transactions. The agent within Navy Federal would have been able to see that releasing those funds would cause my account to be overdrawn and they still approved the transfer.

As soon as I caught the error in my account, I contacted Navy Federal and the first representative informed me I could n't do anything until the transaction cleared my account. After speaking with other people, I went down to a Navy Federal branch and spoke to the 
assistant manager and he was able to submit a fraud complaint and try to stop the transaction. If the first agent would have attempted to stop the transaction as the assistant manager did, it 's possible we could have kept the money from being picked up at XXXX XXXX. The assistant manager also informed me that just the month before a similar fraudulent activity with a XXXX XXXX transaction occurred with another Navy Federal member. The next day I submitted the requested fraud complaint forms and was informed by the fraud department that because of the type of fraud it was, they would not be able to release any credits to my new account as I had already requested to close the compromised account. This leaves me with no funds until they complete their investigation. They informed me the investigation could take up to ten business days. 

I feel that under these circumstances and because of the erroneous missteps taken by the agent within Navy Federal, they should have released even a small portion of my funds back to me. I feel this is a misrepresentation of their fraud protection they offer on their bank accounts and that rather than having my best interests in mind, they are only protecting themselves and their agent 's mistakes leaving my family with no money while they investigate these actions.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: HEARTLAND PAYMENT SYSTEMS INC
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Heartland ECSI has me set up for quarterly payment withdrawals, the XX/XX/XXXX quarterly payment went through correctly. On XX/XX/XXXX, Heartland generated a bill that I did not receive in the mail until today, that bill has incorrect information regarding my quarterly payment dates, outstanding balance and past due balance. A fee of {$1.00} was charged on XX/XX/XXXX for my past due balance on that date. The interest charges and past due balance appear to have continued to accrue and increase after the incorrect quarterly payment date on the bill of XX/XX/XXXX. 

Yesterday morning, on a Federal holiday, Heartland 's collections division called to collect on my " past due '' balance. I refused to provide Heartland 's extremely-agressive collection agent my Social Security number or birthday as I could not verify that the incoming call was actually coming from Heartland. When I tried to call back, I was informed that Heartland was closed for the holiday. I logged in and paid my " past due '' balance of {$26.00} to avoid a late payment strike on my credit report. On their website I put the XX/XX/XXXX bill next to the previous bill and noted all of the discrepancies between the two for the dates, expected payments and balances. I double checked my auto payment settings and they were all setup correctly. When I paid my additional payment, I was charged an ACH fee of {$1.00} for the convenience of using this service.

Today I began calling Heartland at 7 am. I have now spent four hours listening to hold music. I have asked to be called back three times and have not received any response whatsoever.

This is not the first time that Heartland has made errors with processing the auto payments I setup on their website. The one late payment on my credit report is from Heartland making this exact same error in XXXX 

In short, my complaint is that Heartland is deliberately making administrative " errors '' to fraudulently drive up ACH, late fee and penalty interest revenues, using the threat of negative credit reporting to keep the suckers in line.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: ENOVA INTERNATIONAL, INC.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Where we're any of my payments applied to my balance? I only borrowed {$930.00} dollars total with a 15 % dispersion fee making my highest balance should have been. {$1000.00} with ( add you payments up here. ) in payments made and and still had a balance of {$1100.00} until I paid it off today.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
HELLO THANK YOU MY PROBLEM IS FOR THE PAST 4 MONTHS IM NOT EXAGGERATING EVERY SINGLE WEEK I HAVE TO SPEND TIME ON THE PHONE CALLING ALL THE CREDIT REPORTING AGENCY BECAUSE A FRAUD ALERT GETS DDED ON MY REPORT YES NOT DELETED BUT ADDED IT IS HINDERING ME FROM APPLYING FOR CREDIT I HAVE CONTACTED ALL 3 AGENCIES AT THE SAME TIME AS IM AWARE THAT ONE COMPANY IDENTIFIES AND COMMUNICATE WITH EACH OTHER RE FRAUD ALERT HOWEVER IN THIS CASE THEY ARE PLAYING THE BLAME GAME XXXX BLAMES EXPERIAN EXPERIAN BLAMES XXXX AND XXXX BLAMES XXXX ITS NEVER ENDING IT GETS REMOVED FOR LIKE 4 DAYS ONLY TO BE PLACED BACK ON THE REPORT AGAIN SO WHAT HAPPENS IS IF I TRY TO APPLY SOMEWHERE THEY AUTOMATICALLY DENY MY BECAUSE THERE IS A FRAUD ALERT ON MY REPORT I KNOW ITS MY RIGHT TO HAVE AN E=ALERT PLACED ON MY FILE HOWEVER THERE IS AN APARTMENT BUILDING THAT THERE POLICY IS NOT TO ACCEPT ANY ONE THAT HAS A NY KIND OF ALERT ON THERE FILE THEY JUST DO N'T WANT TO GO THRU THE PROCESS OF THAT SO THERE FOR I WANT FRAUD ALERT PERMANENTLY REMOVED AND THE ONLY WAY OR REASON THEY SHOULD PUT IT ON IS IF IT IS PLACED ON THERE FROM ME ONCE THEY HAVE IDENTIFIED ME AND NO ONE ELSE

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 2018-01-08
Company: Coinbase, Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I initiated a wire transfer to XXXX on XXXX/XXXX/XXXX for {$5000.00} when XXXX listed their incoming wire transfer services as working properly. I have not been credited the {$5000.00} still. They disabled online help requests since I have initiated the transfer and do not pick up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Global Lending Services LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
The vehicle was current payments by the title holder, myself. The vehicle covers gap insurance at the time of purchase, and full coverage. The vehicle was totaled/total lost. The Global Lending Service Lender picked the vehicle up without prior authorization from the title holders, and the policy insurance company policy holder. No insurance authorization, title holders lawyer being contacted. I do not old the lender as the lender made threats to the title holder to reprocess the vehicle and to sale it at auction. Without allowing the lawyer to go through litigation with the title holder insurance company, or without the gap insurance coverage being applied. The XXXX XXXX  value on the vehicle shall represent the cost of the vehicle, or and the vehicle shall not be charged to the title holder as she is currently XXXX  from the total loss and automobile accident. After the Lien holder retrieved the vehicle before litigation process. The Global Lending service shall take full responsibility of the loan and remove the amount from further obligations of {$21000.00} Auto loan if the lawyer and its client has not been giving proper notice to sale, trade, or retrieve the vehicle for total lost inspections, with out prior notice. The lien holder is held accountable for not properly handling the insurance policy documentation, or requesting the insurance on the vehicle as the lien holder. Breach of contract, as the title older shall not further carry on the burden of the balance as the lien holder is in possession of the vehicle and will put the vehicle up for sale @ auction price possibly XXXX XXXX  value. This shall remain and stand in the court of law of the lien holder breach of contract to maintain proper documentation, insurance policies of the vehicle as the lien holder, Overseer. The lending company did not comply on any paperwork to deem the vehicle a total loss, as should have been done through litigation by my attorney as a process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2017-07-28
Company: CITIBANK, N.A.
State: IA
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:
Best Buy/Citi Visa and their criminal partner " The Retail Equation '' [ edit ] Best Buy and a third party : " The Retail Equation '' have figured out a way ( all be it, only for the time being ) to stop hemorrhaging money by declining your return, thus stealing your money. Buyer beware! If you try out product and make too many returns, they will decline your return and ban you from returning any product for the period of 1 year. REGARDLESS if you have a receipt and are in the 15 day return window. Most people do not know this is happening until it 's too late and you are stuck with the product. Best Buy does not notify consumers of this fraudulent practice. It 's theft from consumers. Best Buy executives ( XXXX XXXX ) will tell you there 's nothing they can/will do. ( they CAN lift the ban ). Calling The Retail Equation will get you no further. You 'll get some, barely able to speak English, representative who simply regurgitates the same sentence. " There 's nothing we, our anyone higher than me can do '' Best Buy and their criminal partners are suffering great financial losses and will be out of business shortly. Next stop for them? Prison!

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 2018-01-08
Company: Coinbase, Inc.
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I had invested money into Bitcoin through the popular Coinbase website. I have used this site before for transactions and they went through fine, however my last transaction was never completed even though it says it was. I sold the currency on XX/XX/XXXX and was expected to be paid XX/XX/XXXX from the company. The amount was for {$530.00} after fees. It was supposed to be transferred back into my bank account like it has been before.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I am a XXXX Citizen, I opened the account with Coinbase and have XXXX invested. Between XX/XX/XXXX to XX/XX/XXXX I went on holiday to XXXX. When I returned back to XXXX on XX/XX/XXXX my account has been locked, I have not been able to log onto my account. Initially there was a warning that they believed I was a citizen of XXXX and asked me to send my passport image to prove I 'm XXXX. I did this on XX/XX/XXXX and since then despite dozens of chasers to them my account is still locked. I am unable to trade, they do not respond to any messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
HELLO THANK YOU MY PROBLEM IS FOR THE PAST 4 MONTHS IM NOT EXAGGERATING EVERY SINGLE WEEK I HAVE TO SPEND TIME ON THE PHONE CALLING ALL THE CREDIT REPORTING AGENCY BECAUSE A FRAUD ALERT GETS DDED ON MY REPORT YES NOT DELETED BUT ADDED IT IS HINDERING ME FROM APPLYING FOR CREDIT I HAVE CONTACTED ALL 3 AGENCIES AT THE SAME TIME AS IM AWARE THAT ONE COMPANY IDENTIFIES AND COMMUNICATE WITH EACH OTHER RE FRAUD ALERT HOWEVER IN THIS CASE THEY ARE PLAYING THE BLAME GAME TRANSUNION BLAMES XXXX XXXX BLAMES XXXX AND XXXX BLAMES TRANSUNION ITS NEVER ENDING IT GETS REMOVED FOR LIKE 4 DAYS ONLY TO BE PLACED BACK ON THE REPORT AGAIN SO WHAT HAPPENS IS IF I TRY TO APPLY SOMEWHERE THEY AUTOMATICALLY DENY MY BECAUSE THERE IS A FRAUD ALERT ON MY REPORT I KNOW ITS MY RIGHT TO HAVE AN E=ALERT PLACED ON MY FILE HOWEVER THERE IS AN APARTMENT BUILDING THAT THERE POLICY IS NOT TO ACCEPT ANY ONE THAT HAS A NY KIND OF ALERT ON THERE FILE THEY JUST DO N'T WANT TO GO THRU THE PROCESS OF THAT SO THERE FOR I WANT FRAUD ALERT PERMANENTLY REMOVED AND THE ONLY WAY OR REASON THEY SHOULD PUT IT ON IS IF IT IS PLACED ON THERE FROM ME ONCE THEY HAVE IDENTIFIED ME AND NO ONE ELSE

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 2018-01-06
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
hello i sent in a copy of my police report and signed and notarized affidavit to all 3 credit companies now over 30 days ago only to get no response they are claiming they have not received it yet i have conformation of receipt from all 3 of them my identity had been stolen and someone was assuming my identity for years and finally when i went to do something about it they told me to ge a police report i got a police report and sent it in and nothing the information is still reporting please help me the only thing they did do was place a fraud alert on my report.that 's how i know that they did receive it

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