BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-15
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Called Experian 5 times on XX/XX/2018 to have a Personal Statement/security statement/fraud alert removed from My credit file and i can never get any customer service representative to pick up the line all it does is redirect and loop you over and over and there is no option to speak with any one. I spent 2 hours calling at random times and its the same results.

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 2019-02-18
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2019 I was alerted by Wells Fargo of fraud detection on my credit card. Because my credit card information has been compromised, I called their customer service line and was told that they would be cancelling my current card and sent a new one. 

They then gave me two options, receive the card in 5-7 business days free of charge or have it " rush '' shipped into 2 business days for a {$16.00} fee. I clearly stated that I wanted the free option. 

Checking my credit card charges later, I realized that they had in fact still charged me for rush shipping. I, again, called their customer service number of XX/XX/2019 and was told they would refund the {$16.00}. 

That card, however, never arrived. Thus, in the same phone call on XX/XX/2019, they again agreed to send me a new card and presented me with the free and rush shipping options. As clearly as is possible, I stated that I wanted the free shipping option. 

The new card recently arrived, and I have been using it without issue. I checked my credit card charges on XX/XX/2019 and saw that I had been refunded the original {$16.00} as promised. However, I WAS AGAIN INAPPROPRIATELY CHARGED THE {$16.00} FOR THE SECOND CARD. 

I was happy to resolve the issue with the company the first time, but since this has now happened twice, I believe there is a pattern to Wells Fargo 's behavior. If they are fraudulently charging me, they may be doing the same to other customers hoping that they do not realize the {$16.00} charge or hoping to falsely claim that the customer requested the rush shipping. 

At this point, I am hoping for more than just a second refund. I believe the CFPB should pursue investigation into Wells Fargo 's practices of charging customers for rush shipping that they did not request. 

I can provided additional information as needed and would be happy to do so. I appreciate your work at the CFPB.

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 2021-07-08
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I have received an insufficient funds notice for a purchase if USD coin, digital currency. 
This has happened three previous times. 
Each time the error has been on the company 's side. The company is Coinbase , Inc . 
Each time l have had sufficient funds to cover the purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-08
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There is a hard inquire that I do not recognize and never attempt to obtain. It refers to XXXX/XXXX ( Nation Credit Cards/Airlines. The company did not get permission to do or see if a wanted. I have never ask for this transaction. Nevertheless I did not give PayPal the okay to look into. I call without anyone help me and just kept transferring to someone else or giving me the same number on credit report that could help. 
XXXX XXXX ( XXXX XXXX, XXXX XXXX, and XXXX ) credit cards I have paid off and decided to close myself to keep from having so many credit cards. I do not think these should be seen as hard inquiries. XXXX XXXX card bill were kept up to date and the XXXX XXXX late note was because letter was mail to wrong apartment number on bill. I called the company to see why no bill was sent and the lady said the apt . Number was late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: Remitly, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On Sunday XX/XX/2020, I used the Company called Remitly to send money ( {$1000.00} USD ) to my dad who lives in XXXX XXXX. This transaction normally takes 2 business days maximum to be delivered to my dad and was promised that it will be delivered by Wednesday XX/XX/2020. Unfortunately, the money has not yet been delivered. I called Remitly on Friday XX/XX/2020 to inquire about this and was told that they communicated with the company they used in XXXX XXXX and that the money will be delivered by the end of the day. The money was not delivered and on Sunday, I contacted Remitly through their online service to return my money since they had not delivered the money and was told that they could not refund me the money and all they can do is email the company in XXXX XXXX to find out what happened. It is Tuesday XXXX XXXX and my father has not yet received any money nor have I been contacted by the company. I want my money returned to me. Remitly is not helping me at all. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
Please be advised that every month when I make my monthly payment to Bank of America, they apply the payment not as expected. I have a purchase balance 19.99 % and a cash advance balance 26.99 %. I understand that any money send over the minimum payment must be applied to the highest interest balance. This is not the case with Bank of America. 
My monthly statements are not showing where my money is being applied and I am very concerned with this situation. To make matters worse they have been increasing my interest rate approximately every 2 or 3 months. All this situation has been going on for over a year now. 
I would greatly appreciate your assistance in this matter. 

Thank you very much!

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 2018-02-22
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: Old information reappears or never goes away

Complaint:
I obtained a copy of my credit report on XX/XX/18 for my personal purposes of ensuring that all account entries were reporting accurately. A week later, I received a notification from my credit monitoring subscription that 2 negative account entries were reporting on my report. To my dismay, I found that these were accounts with 3rd party collection companies that had in fact been deleted from all of my credit reports previously due to the fact that these companies were unable to verify the information that they were reporting ( See attached dispute letters ). I submitted dispute letters multiple times to both of these companies which resulted in the items being deleted. See attached credit report dated XX/XX/18 where my credit reports bore no collections. These account entries must be DELETED immediately. 

Additionally, my complaint against XXXX and Equifax is that they allowed the re-insertion of these accounts on my reports and DID NOT notify me five ( 5 ) days prior to doing so which is a direct violation of my consumer rights. Further, I have received NO CORRESPONDENCE FROM XXXX XXXX OR XXXX  regarding any additional information they have to support re-inserting these entries on my credit reports. The law mandates that 3rd party collection companies have 30 days to investigate the dispute and respond with their findings. Being that they were unable to do so previously, does not mean that they are at liberty or will to reinsert these same accounts because time has passed. Blatant violation of my rights. 

Prior to hiring an FDCPA attorney for these inaccurate entries and illegal re-insertions, I am demanding that both these account entries be deleted from my XXXX  and Equifax reports immediately and that I am provided a copy of the updated reports for my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Experian Information Solutions Inc.
State: OH
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: Problem getting your free annual credit report

Complaint:
On XX/XX/2018 I was on the website XXXX attempting to access my yearly free reports. I was able to obtain the XXXX  Report with no problem. When accessing the Experian/XXXX systems, the screen froze. I was only able to hit the back button, it was indicated I received both reports. I had not. I tried to log onto the system again. The system said I had already received the reports and I couldnt go any further. This glitch happened last year to me as well. I wish they would get this fixed.

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 2018-02-22
Company: SUN LOAN COMPANY INC.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/2018 my mother was contacted by Sun Loans as they were trying to contact me. Sun Loans asked her if she would be able to get a message to me. She asked what this is regarding. Sun Loans told my mother that I was past due on my payments. My mother asked what the balance is on the loan. She was told {$240.00}. My mother began asking questions about the loan and the balance due. She stated that she knew the company had garnished my wages and she didn't believe the balance should be that high. She thought it should be down around {$100.00}. She was told that the account had continued to accrue fees and late charges after the garnishment was stopped due to me no longer being employed with the employer. She was told my account is more than 60 days past due and in danger of legal action. My mother is not on the loan and none of the particulars of my situation should have been discussed with my mother. She should not have been given my balance or my credit information. My mother did end up paying off the loan during the call. She asked for the confirmation letter to be mailed to her as she made the payment. Sun Loans refused to mail her the letter even though she made the payment. They asked her to relay to me to give them a call to update my address so they could mail the necessary documents, payoff and payment confirmation, to me. My mother was never asked to verify her identity or my identity during the call. My private information was released without questions. When she asked them why they would release my private information and how did they even know who they were speaking with, XXXX, the manager with  Sun Loans in XXXX Illinois, said they have access to public information and knew they were talking to my mother. She told them they may know they called my mother 's number but they have no way of knowing who they were speaking with as they asked no questions about me in order to verify her identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
One main has destroyed my reputation of stellar credit with false accusations and reported inaccurate information in regards to my XXXX XXXX credit report. 
I have no knowledge of this account and this account does not belong to me. Ive battled with one main for over 6 months regarding their shady and unprofessional tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: ATG Credit, LLC
State: MI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I do not owe the amount that this company claims. The so called debt is related to XXXX and my attending this online institution. I was enrolled for a year and a half but dropped out after the third week of the second semester in 2017 the university received their payment for the class then I decided that this program was not for me. XXXX still claims I owe them this debt when they were paid for the class..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: American Credit Acceptance, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was apart of the XXXX breach and signed up for the monitoring service XX/XX/XXXX. At this time I saw an account listed for American Credit Acceptance for a car loan. I knew this was n't an account that belonged to me because XX/XX/XXXX I  purchased a car an established a loan with XXXX. I work a part time job and would never purchased two cars. First I filed a FTC identity theft report. I also disputed the information with all 3 credit agencies. The results of the investigation came back as accurate information. I disputed the information again with my FTC paperwork, copy of my ID, information for my real auto loan and information that someone else got a ticket in my name using a lost ID in XX/XX/XXXX. I  also sent all this same information to American Credit Acceptance with a request to provide me documentation for the loan that supposedly issued in my name. They send me back there investigation finding that said signatures matches, address matches and picture ID matches. There findings is there is no evidence its not me. They also sent the credit application. The application is basically blank with limited information no filled out completely at all. They did n't provide me with the copy of the ID that was used which they claimed matched my ID. The signature on the paperwork does n't match my signature at all. I never applied for this loan. One of  the biggest things that also make this unbelievable is because of issues in the past with someone getting a ticket in my name and someone trying to get services in my name I have a statement of my credit report. No one should issue credit in my name without contacting the phone number listed on the credit report. American Credit Acceptance never contacted me to verified I was the person getting credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX {$970.00}, XXXX XXXX XXXX {$880.00}, XXXX XXXX XXXX {$2600.00} Debt can not be collected twice ; settled with original creditor ... unlawful and disgusting ... 
Original creditor has stated that they did not verify, and that they have it on record that my insurance carrier paid all XXXX accounts ... so why do you still report these? 


... grave errorsfalse claim and reportingI want this account removed immediately or litigation may follow. 
Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: EQUIFAX, INC.
State: NY
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 mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I have been harassed and threatened by Portfolio recovery since aprox. XX/XX/2018 to now. Even after telling them in writing to stop, they continued to call me several times a day. On one occasion, they threatened me with jail and on another occasion, the person on the other end said " I know where you live '' and laughed. They have even called my XXXX year old son. They use multiple telephone numbers and I do not answer my phone anymore nor allow my son to unless we know who it is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-18
Company: AES/PHEAA
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
American Education Services has sent a past due amount ( ~ {$2000.00} ) to collections. I have continued to make good faith faith payments ( $ XXXX/month ), since I am unable to afford the full payment due that was sent to the collection agency. I have made multiple attempts with the company to pay back the past due amount. The company representatives state that unless I pay the full amount due, they will continue to report delinquency to the credit agency. My most recent call to the company was today. Their representative communicated to me that I have no options but to pay the said past due amount in full and making good faith payments will continue to result in delinquency reported. She further stated that there is " nothing we can do '' and " it's not our fault that your car insurance rates have doubled '' ( as a result of adverse credit reporting ). I was then informed that my loans are now serviced for XXXX XXXX  and AES has no ability to work with me for that reason. When I asked for a phone number or email to XXXX XXXX, she stated she does not have any contact information and I should " XXXX it ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: Simon's Agency, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Dear CFPB : On XX/XX/2018, I received another letter from the Debt Collector Company Inc. Saying to my self on there letter that I have one Amount to be paid and also that I have Various other Accounts to be paid also. this debt collector keeps calling me 6 to 7 times a day. And if i can not be reached on my cell phone number they call me at home. I explain to them to please to DO NOT CALL ME NO MOE.I also wrote them a letter dated : XX/XX/2018 and i am asking them for the fallowing information : 1 ) Verification of my debt,2 ) copies of the original creditor, 3 ) any statement or bill from the original creditor, 4 ) Provide copies of Various other accounts, 5 ) copy of insurance card that was used at the time of service, 6 ) provide me with each date of service from the original creditor, 7 ) Do not contact me any more, 8 ) do not call me either any more, 8 ) provide me with there name and ext number, 9 ) do not harras me and or thretenig me on the telephone no more,10 ) They have 15 days as per State and Federal Laws to provide me with the requested documents, 11 ) This debt from the Radiology Department was paid already bye my insurance Company. Thank you. Very truly yours..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: Franklin Collection Service, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am an XXXX. A client XXXX. For some reason, the client 's XXXX account was put in my personal name. It was n't done by me. It was done by a family member of the XXXX. It is not my account, and never was. I have told them this multiple times. 

I told both XXXX and now the collection firm. I properly disputed the debt, but they keep sending me collection notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
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: Information belongs to someone else

Complaint:
I received a copy of my credit and noticed fraudulent accounts. this is stopping me from obtaining credit.

Company response to consumer: Closed with explanation