BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-23
Company: Ability Recovery Services, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I attended XXXX University in XX/XX/2015. I eventually dropped out of classes. While in classes I used federal student loans to cover my courses. However XXXX University now has a collection agency Ability Recovery Services reporting I own a balance of {$3200.00}. At no point did I have a contract with XXXX University for them to now report to the credit bureaus stating that I owe them any money. I attempt to complete this issue with XXXX as well as Ability Recovery but I still have not recieve anything stating that I directly own them any money. I am currently passing my loans back including XXXX through XXXX XXXX, the student loan company that I have been working with with all of my student loans. On top of XXXX and Ability Recovery not being able to provide validation of a contract that I had directly with them they did not return the funds back to XXXX services that originally was posted to my accounts for course in advance. This has still not been explain. This is an account that should immediately be deleted from all three credit bureaus. The actions that XXXX has taken is illegal and Ability Recovery as a collection agency is in the wrong for not having the proper paperwork as well also due to I never I completed a contract with them so at no time should they be contacting me regarding any debt. Further more based on the statute of Limitation in South Carolina the limit is three years for collection of debt. Even though there is no validity to this debt above is another reasons as to why I am requesting this debt be removed from all three credit reports immediately. 

Attach I have a statement from XXXX services confirming that the funds were not return. This is against the law and XXXX or Ability Recovery is able to explain but they are requesting funds from me that finiancial aid would have covered, which I why Im currently making money payment with a legitimate student loan agency, 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 2023-05-04
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: Their investigation did not fix an error on your report

Complaint:
Ive been trying to dispute these accounts in many times on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. The follow ing accounts are listed below : XXXX XXXX Balance : {$6600.00}XXXX XXXX XXXXXXXX XXXX Balance : {$440.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This complaint centers around erroneous marks by the creditor " Capital One ''. I currently have a credit card with XXXX XXXX XXXX that has marked three late payments to the credit bureaus ; these late payments are not accurate and does not reflect my payment history with this creditor. I contacted " Capital One '' regarding my payment history and received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: CITIBANK, N.A.
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have been in contact with Citi Bank for several weeks now on a purchase that was made on my Citi Platinum select card in the amount of XXXX USD in the country of XXXX in XXXX of 2020. I have filed for fraud, was called and gave all necessary information. 

I was assured by Citi Bank that this would be reversed in my favor. I received a new card as well. Then, I received a letter in the mail stating that Citi bank had to resolve the case in favor of the merchants because I failed to provide enough information. No one reached out to me from Citi Bank for information. I reached out multiple times during the week every single week that the dispute was open to check on the status, only being told to 'not worry. ' Now, my new card is getting fraudulent charges from the same country. I am drowning in credit card debt because Citi has refused to take my case seriously.

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 2020-07-09
Company: NATIONS LENDING CORPORATION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Nations Lending is our lender, we have been trying to refinance we have had 5 or 6 closing dates in two months they canceled all of them? We have never missed a payment or had a late payment! We have paid them over {$57000.00} in 23 months but they keep playing around! We are two Vet 's One is XXXX  % XXXX the other is XXXX, XXXX in XXXX & XXXX  XXXX   too!

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 2019-03-28
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have been following up with Equifax regarding some incorrect information they are reporting about me. I first submitted a dispute on XX/XX/XXXX, but never heard from them. I sent a follow-up about the issue on XX/XX/XXXX. It is now XX/XX/XXXX and still I have not received any notice of an investigation into the information they insist on reporting falsely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Thank you. 

I am trying to temporarily lift my credit freeze with the three rating agencies in the US ( Equifax, XXXX, and XXXX  ). I was easily able to lift the credit freezes with  XXXX  and XXXX  using their online systems. 

My complaint is with Equifax. I can not access my account online, even after I reset my password, and received this message online : 'Please give us a call. We can't complete your request at this time. Please call the Customer Care team XXXX '. See my attachment. 

I called that number and provided all sorts of personal information and then the call ends with the computer voice saying no one can help you at this time. Then my banker gave me another phone for Equifax, XXXX XXXX XXXX and I have called that number five times and each time after going through the menu it just rings and rings and no answer and the call is cut off. 

I searched online for reviews of Equifax and others experience the same things, delays can't get through, comments about the company now using overseas call centers for our data??!!! I am EXTREMELY CONCERNED that this company continues to fail even after the data breach of XX/XX/2017. The government needs to step in and shut this company down or see what is going on because it is not working and if this is the experience from the consumer interface on the outside, then I can only wonder what is going on the inside and the risk of another breach. 

Please let me know you received this complaint about a hugely important matter to consumers and the US economy. I can not get a loan without all three companies lifting the freeze and Equifax is holding it all up due to incompetence or worse. 

Thank you AL

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: Coinbase, Inc.
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Coinbase has frozen my account since XX/XX/18 and Ive already tried countless times to contact them to fix the problem. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
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:
I, XXXX XXXX, am demanding experian to remove account ending in XXXX from the consumer report the information is in fact inaccurate If, after any reinvestigation of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.Consumer reporting Agency XXXX has promptly deleted account ending in XXXX. ( See attachment )

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 2018-12-19
Company: ORG GC GP Buyer, LLC
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
It has come to my attention, after receiving a notice of wage garnishment from the U.S. Department of Education, that GC Services has made a significant error while managing my student loan account. Although I completed GC Services loan rehabilitation program in XX/XX/XXXX, the system never sent my account to a non-defaulted servicer. I have the original letter from CG Services dated XX/XX/XXXX confirming completion of the rehabilitation program I enrolled in the month of XX/XX/XXXX. GC Services, in error, returned my account as delinquint to the Department of Education, who in turn submitted the account to collections through XXXX XXXX XXXX. Since receiving the completion letter from GC Services dated XX/XX/XXXX, I have not received any notifications or letters from them regarding my account or its status and assumed they were still taking automatic payment on my loans, which they were not. 
This error has occurred secondary to prior negligence on GC Services behalf in processing multiple automatic payments incorrectly in XX/XX/XXXX. Automatic payments were set up on the account and began on XX/XX/XXXX in the agreed upon amount of {$56.00} dollars. Per GC Services, a typo was made when they entered my payment into their system, which led to only a {$5.00} payment being drafted from my bank account. I spoke to them multiple times to resolve this issue as soon as I became aware of it. GC Services acknowledged the error on their behalf and assured me it would be remedied and that it would not lengthen the 9 month period that our agreement had stipulated for rehabilitation. I also reported the circumstances and GC Services negligence to the U.S. Department of Education. On XX/XX/XXXX, GC Services sent the U.S. Department of Education an apology that acknowledged an error on their behalf in processing my payments. 
I spoke to the U.S. Department of Education on XX/XX/XXXX regarding the status of my loans and the negligence of GC Services. They confirmed that although my account was sent back to them by GC services for delinquency in XX/XX/XXXX that the Department of Education would not have notified me of the default at that time because they originally notified me back in XX/XX/XXXX when it initially went into default. I was advised that my only option at this point, as GC Services is no longer the collecting agency, is to request a hearing with the U.S. Department of Education and forward them all of the documentation I have saved from GC Services. While I was unaware that GC Services had falsely reported me as delinquent to the Department of Education, my credit has been impacted negatively and I am accruing delinquent charges and extra interest on my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a 30 days late payment XX/XX/2018 XXXX XXXX   XXXX was in shock because I was never late in my payments.The information is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-24
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
this issue is with XXXX XXXX. flight confirmation number is XXXX. they charged me for a flight that I did not take. I called and spoke a representative on XX/XX/XXXX that I couldn't make my outgoing flight. they tried to put me on a later flight but advise that I needed to get to my destination earlier. I would look into something else. they advise my return flight was still good. on sunday when I tried to check in to my flight it gave me an error I called and they advise my flight was cancelled. after speaking with 3 agents they said nothing they can do I would have to call back on Monday and speak with corporate so they can pull my call from Friday so they can refund me or put me on another flight. I called on Monday and they advise that they could not pull the call and that nothing can be done. I advised several times that there own agent on Friday said my return flight would be ok. I requested to speak with a manager they advised couldn't transfer me and that nothing can be done. XXXX XXXX has stolen my money and took advantage of my situation. I called to see what could be done and they advise that my return flight was still good. please help my get my money back that they took from me for a service that was not provided. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: U.S. BANCORP
State: MO
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I currently have a XXXX  US Bank card that I have had for a year now and have direct deposits placed on. Both from my employer and from social security. I receive benefits both for myself and for my son XXXX XXXX. Now XXXX has been receiving his benefits on my account for 3 months now. Last week on the XXXX I received a stimulus payment for XXXX. Now all of the sudden with absolutely NO warning they deactivated my account. They say that I need to provide identification information. So I did 6 times over, they received it all. Now they are still telling me I have to wait 5 business days. I absolutely can not wait another 5 business days!!! They shut the account down in minutes then they need to turn it back on. My son was born a month early and requires special formula. He absolutely can not wait 5 business days! I don't have enough formula or diapers for 5 more days.. I have no more money.. I have no other options or support to feed my children. I need my money and the money that is soon to be direct deposited as of yesterday. Not another 5 days. I can not understand how all my sons other deposits which are put in separate from mine have cleared with no issues at all and now all of the sudden with no warning I have no money and no way to care for my son.

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 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation.

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 2018-05-22
Company: EQUIFAX, INC.
State: OH
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:
I am trying to understand why it is OK for Equifax to compromise my credit accounts to the dark web and tell me that I now have to lock and unlock my credit report when I want to access it. I have spent over 2 hrs trying to get some explanation as to why their mistake is costing me my valuable time, when I did not cause this. Consider the COUNTLESS hours  and heartache they have caused Millions of consumers. This is unacceptable by any standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Experian Information Solutions 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:
I am a single mother and I am trying to buy a house so I discovered some damages to my credit report. I It's a defamation to my character. need you to attend the following shown items in this letter which contain data taken directly from my credit report which you have provided. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Delete these unconfirmed inquiries lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C 1681 ET SEQ. Section 604 of Fair Credit Reporting Act.

I did not initiate any of the inquiries that appear on my credit report. I demand that you take immediate action to rectify the damages that have been caused to my credit score and remove all inaccurate information from my credit report.

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 2018-10-01
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had a Citibank checking acct that was opened around late XXXX XXXX and was dormant from XXXX through XX/XX/XXXX with a balance of {$12.00}. XXXX had closed all their nearby branches and we switched institutions.I had been receiving monthly e-mail statements. At some point that stopped. In XXXX, XXXX, Citibank began charging the account a monthly maintenance fee. I did not know about this until XXXX, XXXX, when I received notice that my XXXX XXXX overdraft line of credit was delinquent. Citibank 's explanation for the charges is that I did not maintain a combined balance of {$10000.00} or more. I do not believe I have ever had that much in the account over its entire life. In XXXX I spoke with a customer service " supervisor '' named XXXX who stated that the chargeswould be reversed. Since the account was closed she stated I would receive a check or checks for the full amount plus the {$12.00} balance and I would then send a check to XXXX to cover the balance on the now-closed account. Inever received checks. 
Subsequent phone calls were either cut off mid-call or answered with a simple, " Hello? '' and then disconnected. I finally spoke to someone last month who stated XXXX would " investigate. '' I now have a mailed statement that all the charges were correct and that I must pay them. XXXX has placed negative information on my credit reports which, I believe, caused me to be denied credit at least once and has also caused a precipitous drop in my credit score. I demand Citibank reverse these charges, refund my original balance, and remove all negative statements from my credit reports. 

Thank you for any assistance you may provide in this matter

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 2019-03-28
Company: EQUIFAX, INC.
State: NC
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:
equifax reporting agency reports to my creditors that I have not been paying my bills on time. they have no dates listed which makes it worst for my credit. they even say everything is paid on time, but they left 3 accounts on the negative list even as they say they are paid on time. I have asked them 2 times to correct this with no luck. This has caused my credit to fall to the low XXXX score and cost me thousands of dollars over the last 3years. I have paid my bills on time for many years, paid off over 25,000 dollars in the last 6 months, but still suffer the effects of bad credit everyday due to their mistakes. 
bottom line is I am stuck in a rut because they make no profit from correcting mistakes. .Thank you XXXX XXXX .

Company response to consumer: Closed with explanation