BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-08
Company: Genesis FS Card Services, Inc.
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:
This has happened twice. I submit my payment. According to the card company, the payment doesnt go through and they did not notify me of any issues prior to the due date to allow me to submit another payment or even explain to me why that payment didnt go through so I can deal with the bank. The first time I didnt get a screenshot so I had no proof of submission. However, the second time I did. I called them and complained about the effect their laziness has on my credit and here we are, my credit has fallen 175 points. Yet Ive never actually made a late payment. And it concerns me that when I call them, Im basically told that because they didnt take the payment out, that I didnt pay it. Theyve added remarks to my credit report and refuse to do their part in looking in to reported issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 like to file a complaint for fraudulent debts listed on my credit report that does not belong to me. I have attached an Identity Theft Report XXXX with this complaint. The accounts that are fraudulent : XXXX XXXX and XXXX XXXX XXXX XXXX. I want these fraudulent items removed from my credit report immediately. According to FCRA 605B ( 15 U.S.C. 1681c-2 ) a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer

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 2021-07-15
Company: EQUIFAX, INC.
State: PA
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 sent numerous letters to XXXX, XXXX  and Equifax disputing inaccurate items on my credit report since XX/XX/2021 with no response by phone, mail or otherwise and no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: WELLS FARGO & COMPANY
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I would like to bring your attention to a serious issue I have with Wells Fargo wires that first took place on XXXX of XX/XX/XXXX. 
I have been victimized by a multilayered scam operation orchestrated by XXXX by the name XXXX XXXX. 
The funds were transferred utilizing Wells Fargo 's services in the total amount of XXXX USD! 
I would also like to point out that on XXXX of XX/XX/XXXX - I filed a dispute with Wells Fargo.

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 2021-07-15
Company: EQUIFAX, INC.
State: AL
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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
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 fraud alerts or security freezes

Complaint:
Experian refuses to unfreeze my credit report and score to allow for my mortgage lender to process my application. Their website does not recognize my correct personal information and therefore will not allow me to unfreeze it myself nor obtain a new PIN number. I contacted Experian directly and they claim that they can not issue me a new PIN except by mail ; which will take ten business days. Neither myself nor my lender have two weeks to wait for this PIN to arrive to process my loan. The Experian advised that there was nothing they can do to expedite this process. This refusal by Experian to provide immediate assistance to unfreeze my credit report and score has the potential to cause me to lose out on a loan for my home.

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 2018-01-30
Company: NRA Group, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I initially entered into an agreement with XXXX XXXX on XX/XX/XXXX. 

Due to financial hardship, this account became delinquent and I subsequently received a collection letter from XXXX XXXX XXXX XXXX for {$230.00}. 

This account was submitted to my credit file on XX/XX/XXXX by XXXX XXXX XXXX. 

I submitted a certified dispute letter to XXXX XXXX XXXX XX/XX/XXXX. 

I never received a response. 

I submitted a 2nd dispute letter on XX/XX/XXXX and informed XXXX XXXX XXXX that they were in violation of the Fair Debt Collection Practices Act. 

I never received a response back from them. 

This account has surpassed the year statute and it is still being reported negatively on my XXXX account.

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 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Hello my name is XXXX XXXX and XXXX have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/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 non-monetary relief
Consumer complaint received 2021-11-08
Company: WELLS FARGO & COMPANY
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft WFXXXX XXXXXXXX Account Number : XXXX This is not mine. 

2. Identity Theft CREDIT PLUS Date of inquiry : XX/XX/2021 This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/2021 This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine.

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 2019-06-27
Company: Coinbase, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have been attempting to close my account with Coinbase.com However there is {$1000.00} dollars in cash in the account that Coinbase is not giveing back to me. 

I was told to move all my assets off the site, and I tried to and all my digital assets I moved off, However they have Coinbase Pro and that is where my {$1000.00} is and there is no option for me to deposit that money into my bank account. They also dont respond to any of my emails. They are robbing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: KEYCORP
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
We had an electronic check pay on our payroll account. It was not for anyone on our payroll and the " copy '' was not produced by our company.The same person, XXXX XXXX was able to have 3 electronic checks clear on our payroll account. We contacted the police and filed a report. We filled out Domestic Collections Fraud Packets with XXXX XXXX bank ( our bank ). Two of the fraudulent checks were paid back to us in XX/XX/XXXX. One check was for XXXX and the other XXXX. We still have a third check which we have not been reimbursed for. It's for XXXX. I contacted XXXX XXXX and was told that the check was drawn on Key Bank. I was also told that they had 120 days to respond. It has been longer than 120 days and no response. The check I am waiting to be reimbursed for is for {$970.00}, it has a check # XXXX associated with it. It was dated XX/XX/XXXX and posted on XX/XX/XXXX. We filled out our fraud report on XX/XX/XXXX. Our police report # is XXXX with the XXXX Police forgery/Theft/NS department.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
I've been disputing fraud accounts on my credit report since XXXX 2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Never had a account with XXXX. It is reporting on my account. I asked for proof of validation, never received anything back. I need this account removed immediately from all three credit bureaus I am not responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: National Processing Group LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
For the past year, my family members and I keep getting phone calls from a man who claims to be a server. He will leave voicemails on our phones looking for me, saying he is on his way to my home or employment to serve me papers for XXXX XXXX for a debt I owe. He then will leave an XXXX number ( number changes each time but its the same man/company ) to call to fix the matter. When I try to call his actual number itself that he calls from, it claims that its an internet number, so he calls from a fake internet number each time. So then Ill proceed to call the XXXX number and someone will answer the phone with just Hello this is so and so but they dont tell me the company name when they answer. So then Ill ask what Company is this? And they will say National. And I said National what? And they say National Proceedings. So then Ill give them my name and they claim I owe a payday loan from 2015 that I have never heard of and say if I pay the amount due right now that they will cancel the court papers being served and it will also save me money because if they take me to court, they will tack on more fees etc. I then tell them how am I going to pay yall money for something I dont owe or even heard of. So I tell them to stop calling me and have someone come to my home to serve me then if thats what they are going to do. So then they say okay and then I dont hear anything about it from them for months. And then they will call me and my family again months later and restart the entire process over again ... and there has been one time where I call the XXXX number again like Im told to do in the voicemail..and the person who answered was the same voiced man of the guy who called me one time saying he is a server and he will come to my home. I remember asking him ... um arent you the person who said they were going to serve me? So you work for this company? And he acted like he had no idea what I was talking about that I was mistaking him for someone else but he has a very distinct voice..it was definitely him. So this fake company is also pretending to be servers and using fake internet numbers to call first and then directing us to call their XXXX number acting like they arent correlated with each other. Im getting fed up with this because this has been the fourth time over the past year they have done this. Its embarrassing because they will call family members that are associated with me that I barely talk to. They even called my Ex husband and I had him calling me asking if Im in trouble with the law ... its embarrassing and it needs to stop. I continue to tell them every time they do this to stop contacting me and my family and they are still doing it.

Company response to consumer: Untimely response
Consumer complaint received 2018-06-09
Company: Commonwealth Financial Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have no knowledge of these accounts and need to have them removed from my credit report. I am just starting to clean up my credit and I realized that there were accounts that are not even mine. I have filed complaints with XXXX  but have not been able to do the same with XXXX. Their site is garbage. I really need help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have previously sent letters requesting verification of debt to XXXX XXXX XXXX in XXXX, TN immediately after noticing the new collection on my account. XXXX XXXX XXXX sent me copies of bills with procedures performed with my maiden name, XXXX XXXX, and my birthday, which I have not used since 2010. I also had to give them my address because the address that they had on file was not mine. I made copies of these letters and sent them to Transunion with a letter explaining that the bills did not belong to me. To begin, the bills that were sent did not have my signature, a name that I actively use nor an address that I actively use. Furthermore, I was insured when the bill was incurred. I requested that Transunion send me the documentation that was sent that convinced them to verify the debt. Transunion responded by telling me that they could not and to speak with the company directly, which I have done for almost two years now. XXXX and XXXX  was unable to verify the collection so it was immediately removed. However, Transunion refuses to remove incorrect information from my credit report. I will seek legal action if this issue can not be resolved.

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 2021-11-08
Company: Profit Services Group
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was first contacted by Profit Services Group on XX/XX/2021, at XXXX am. I sent a letter asking the company to validate the debt on Thursday, XX/XX/2021. On that same day, I received a letter with a claim of the alleged debt and a summary of the debt. 

Thursday, XX/XX/2021, I received a letter responding to my request for validation. I do not feel like the company validated the debt so I sent a letter asking the company again to please validate the debt by providing me : Proof of their right to own/collect the alleged debt, the balance claimed including fees, interest, and penalties plus a contract bearing my signature. 

Thursday, XX/XX/2021, I received the same letter and summary. Wednesday, XX/XX/2021, I sent a letter to the company to inform them that I am going to file a complaint against the company. 

Not only have the company not provided the validation needed to collect the alleged debt, but I was also contacted via phone after requesting them not to.

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 2021-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
A two days ago, I checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me.

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 2019-06-27
Company: Navient Solutions, LLC.
State: OK
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I spoke with Navient to update my rate reduction program, it expires every 6 months. I spoke with a manager named XXXX, who was very rude, and a customer service representative. My current payment is XXXX and they wanted to raise my payment to XXXX. I do understand that this is a stair stepper program where they increase your payments but they have never increased it by that much. I gave them all my financial information to let them know how much I had left over and they still refused to lower my payment. I am very loyal in paying my payments on time. Financially I can not make that payment. They said they were still giving me a break because I would not have to pay the full amount {$900.00}. That is why I am on a rate reduction program to make lower payments. I know Navient has tried to make clients pay more than can. I am not trying to out run my payments I am trying to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: NAVY FEDERAL CREDIT UNION
State: RI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Navy federal credit union. In XX/XX/XXXXmy auto loan thru navy federal was total loss. The auto was totaled and I filled and signed out all paperwork to claim as auto complete loss. I even went into a navy federal branch ans signed the title as a complete loss. I financed thru another credit union and nothing came up as a repo and was approved loan. After many years I leased an auto thru a credit union, nothing came as repo. Then in XXXX I am trying to lease another car and repo of the total loss pop up from XX/XX/XXXXand can not get approved for loan. I called navy federal and nobody seemed to care at all and talked to 7 or so people to help me but no help at all. Left 2 voicemails to have issue investigated by navy federal and no call backs at all. I called navy federal the next day and they did not have any info about my calling or anything. Finally talked to someone and they are finally taking a look at the issue. Very unprofessional of a credit union not caring about an error they made. The auto loan was closed in XXXX Of {$2200.00} and some how reopened as a repo and would like this matter taken care of due to navy federal not caring about it. Thanks so much for the help best number to reach me at is XXXX XXXX XXXX or email XXXX. 

Thanks XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation