BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-04
Company: Experian Information Solutions Inc.
State: LA
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:
Hi I am coming to you to talk about an account listed under my name and social that I noticed does not belong to me. I have sent several letters to the XXXX, Experian, XXXX, and XXXX to fix it. There seems to be a confusion on the accounts being association to me and I do not take responsibility for something that is not mine. I have contacted them so it could be resolved before I ask for payment for violating my consumer rights. It is my understanding that per 15 USC 1692 ( g ) Validation of Debts that only way an account can be validated is by speaking with the original creditor and I am the original creditor. There are addresses that I never lived at or even provided the information that I did live there. A company or corporation can not tell me where I lived nor can they verify that in any way. I want my credit report updated to reflect true valid information.

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 2019-05-03
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have a Parent Plus loan for my child, and she is enrolled full time at school. I got a text notice that the payment is past due on XX/XX/XXXX. I contacted MyFedLoan.org about the incident and they said they were in process of updating the enrollment status and that I wouldn't need to worry about it. 

Finally, when the payment was 29 days past due according to their records ( XX/XX/XXXX ), I made a payment so it wouldn't affect my credit. I contacted them again on XX/XX/XXXX to check on the status of the enrollment update. They said it would take up to 10 business days to update my records ( per an email response I got ). 

I sent my next regularly scheduled payment on XX/XX/XXXX for my legacy  student loan, with additional principle payment included, and received today ( XXXX ) another notice that I am past due. I logged in and found out that they still have not updated the enrollment status. I have a screen shot showing that I am both paid ahead, and delinquent on my account. 

I let them know that I would be contacting the CFPB if they didn't fix it last time, and since it's still not fixed, now I'm ensuring action is taken via this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: Merchants Credit Corporation
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection Agency is Merchant Credits and Original is from Virginia XXXX XXXX for {$170.00}. I contacted both of them on XX/XX/XXXX and this is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Heartland ECSI is a loan servicer on XXXX of my student loans. Charged what they are calling an AR loan charge to my account a one-time payment of {$4000.00}. I was not alerted or provided anything in writing explaining the charge. It has messed up my credit. I tried to make a payment plan as a one-time charge of {$4000.00} was out of my means. They put my account in collection and reported it to my credit. A payment plan was not going to help and they claimed I had to pay everything at once. I have finally settled the debt after a lot of saving and getting a better job. I have reached out several times asking if it can be taken off my report and they are saying they can not do anything about it. I have reached out to the credit bureaus and they say it will have to be Heartland ECSI that takes that off my credit. I am now stuck in limbo and struggling to get any credit card or loan after working so hard to pay a one-time huge charge of a student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: Experian Information Solutions 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:
AFTER REVIEWING MY CREDIT REPORT, I HAVE IDENTIFIED AN INACCURATE ACCOUNT THAT APPEARED ON MY CREDIT WHICH I WAS UNAWARE OF. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME AND I WOULD LIKE A RE-INVESTIGATION INTO THE ACCOUNT SO IT CAN BE REMOVED OFF MY 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 non-monetary relief
Consumer complaint received 2021-12-23
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Ive had a credit card account with discover since XXXX. Since then I have attempted to increase the credit limit three times, two of the most recent time being this year. Each time, I am told my credit limit cant be increased but I can not understand why. When I first received the credit card, I was a XXXX XXXX with no job. Albeit now I am a working class member of society making solid income, have a solid credit shore, and I pay each statement on time, so I can not understand why I have not been granted the increase. It makes absolutely no sense. The small limit that I have can barely manage emergencies which is why I dont really use the card. But as soon as I stop using it, I receive an email telling me Im offered 0 % interest for the year. It makes no sense Discover!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt comes from XXXX XXXX and list for {$1000.00}. Someone used my social security number with XXXX and set up an account and never paid for it. I need XXXX XXXX to clear and update this debt as positive and remove it from my XXXX report. I am refinancing my home and I can not until this is corrected. The fair and honest thing to do is to have it removed as I have been a victim of idenity theft and that has been reported on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: ORG GC GP Buyer, LLC
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:
XXXX 's has repeatedly Breach my Privacy by sharing my personal identifiable information with non affiliated 3rd parties including the Credit reporting Agencies and GC Services. I 've sent certified mail and signed for on 3 separate occasions dating XX/XX/XXXX, XX/XX/XXXX, and most recent XX/XX/XXXX sent a Breach of Privacy Notice to XXXX 's. I 've sent XXXX 's these letters opting out of these sharing practices and yet I still receive calls and letters from this company called GC Services. I 've included an attached these documents. I did finally received a response from their lawyer stating they have a right to do so. I 've attached their letter also. XXXX 's has yet to respond to sharing my personal identifiable information with non affiliated 3rd parties including the XXXX reporting Agencies and GC Services. According to the GLBA Gramm Leach Bliley Act this is a clear violation and Breach of Privacy. I did not give my permission for this DEBT COLLECTOR to contact me pursuant to 15USC1692. I never asked this DEBT COLLECTOR to open up any account in my name with my Social Security Number or any of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I sent a letter to remove this inquiry that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove this inquiry not later than 4 business days. XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Also, I would like to request your verification of the aforementioned item. If you can not prove the account information to be 100 % precise.

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 2022-02-04
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:
on XXXX XXXX XXXX closed an account for non use. As a result my credit scored took a XXXX point drop with XXXX and Equifax. Once again I have to deal with a drop in my credit score from action which was not of my own doing. this may adverse affect my ability to get a loan or a mortgage if I chose. What can be done to remedy this? This is patently unfair and seemingly and truly deceptive practice. It is absurd that I should be punished for an action I did not take and XXXX allows to continue to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was a victim of identity theft, I have been trying to clean up and keep an eye on my credit, I put alerts and freeze alerts on my credit. XXXX will not lock or freeze my credit unless I pay extra for monitoring. That concept should be illegal. Instead of teaching snd helping consumers, they are adding to scams and identity theft. There is a lot on my reports I have nothing to do with, and the inquiries are out of control and none of them did I authorize. The other 2 agencies are the same they are allowing all kinds of information to access and put items on my reports that don't belong. But none of them will do an actual fact check. And why do they keep unlocking my report? Only I should be able to do that. Why are they given such a powerful business that is so important to people 's lives? The credit agencies are destroying lives and they don't care how wrong the data is. Or that I was identity theft because of their data breaches, and allowing everyone into my credit. This is far to serious of my lively hood to allow the credit agencies to continue this horrible not caring attitudes. Yet the privacy and livelihood of every human is in their hands. I should not have to pay money to lock my credit, especially after identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: WELLS FARGO & COMPANY
State: NC
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:
I have so many hard inquieres in the last months I send pictures of the hard inquires in my credit report of 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 2022-12-19
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
i was scam someone hacked into my online bank, transfer XXXX transactions and open new acconts apply for personal loan and debit charges i didnt do.

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 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have counted about 16 errors on my credit file. My attempts to get them corrected have been ignored by the credit bureaus. I reached out to XXXX, Transunion, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX,XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX by phone and mail. Now I taking it a step further to point out that each company is fraudulently reporting information including accounts and incorrect/invalid account statuses.I asked them all to provide me with any type of sign letter or authorization given by me that allows them to do ANYTHING on my credit file. Per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer they have not provided so such thing.

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 2019-07-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2019 I made a XXXX transaction through my Wells Fargo account in the amount of {$450.00} to XXXX XXXX ( XXXX ) XXXX as a deposit on an item for sale posted on an account I follow on XXXX. 
On XX/XX/2019 I made a second transaction in the amount of {$700.00} to the same individual that was to be my final payment. 
Later, the seller claimed she did not receive the {$700.00}, so I made a claim through Wells Fargo that the funds were not received. Shortly afterwards, I was made aware that the seller was stealing photos of items from a legitimate business and posting them for sale, when in fact, she did not have those items to sell. After some research, I discovered the seller has done this to multiple people ; posting items for sale, receiving payment for those items through XXXX and disappearing. 
Once I learned I was being scammed I contacted Wells Fargo to cancel the claim in progress and instead file a money movement claim that I did not receive the goods/services I had paid for. 
Wells Fargo opened two claims, one for each transaction and reached the conclusion that because I made the transactions and since they were already completed, they would not offer any recourse or refund. They recommended I contact XXXX and continue the matter with them, which I did and had a manager explain to me that a XXXX payment should be treated like a cash transaction and that once completed, could not be reversed and they refused to offer a refund. 
Only after I asked if they were interested in knowing someone was using their platform for scams did they ask me for information on who the seller was.

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 2019-05-18
Company: Continental Services Group, Inc. d/b/a ConServe
State: NY
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:
My school loan was defaulted abruptly, And I wasnt given a fair and reasonable chance to make a payment I was immediately sent to collections which has resulted in my score being Ruin, and me not being able to secure any financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: Convergent Resources, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX Date : XXXX XXXX, XXXX, Source XXXX  & XXXX Company XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, WA XXXX Phone XXXX Activity Collection Department/Attorney/Agency Balance Date : XXXX XXXX, XXXX, Balance {$2400.00} XXXX XXXX XXXX I honestly do n't know who are they and they are not providing me any information. I even requested and faxed to send me a proof and no one responded and I have my faxed receipt copy.

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 2017-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
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:
On X/XX/17 a charge was made on my Bank of America Mastercard in the amount of {$320.00} at XXXX # XXXX in XXXX, OH. Neither of the authorized cardholders on this account ( my wife and myself ) made this charge. I have made repeated attempts by phone and by mail to resolve this issue. Finally, BofA agreed to investigate the issue. A case number XXXX was assigned. They notified me that the card was swiped at the store, therefore the charge was considered legitimate and my claim denied. A sales slip was provided as " evidence ''. I have pointed out repeatedly that we never have been in XXXX, OH, did not make or authorize the purchase, and that the signature on the sales slip was not that of either of the cardholders. Since my last response rejecting their resolution was mailed on XX/XX/XXXX there has been no response. It seems unreasonable that they should be allowed simply to ignore this issue and try to resolve it by stonewalling and not taking into account the substantive details of the dispute by a pro forma response. So far the charge has not been removed.

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 2019-07-30
Company: RFNA, LP
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have diligently tried to work with Republic Finance. At first, I was furloughed and despite my requests, they continued to take automatic payments from my account after I notified them, with charges hitting my account 4 times. XXXX, branch manager stated that she filed suit against me although I communicated with one of her friendly representatives that my unemployment ended and I was returning to work. Unfortunately, a {$50.00} payment was returned that day because the funds had not reached my account. I am XXXX on a special mission, which I have communicated with XXXX. I filed a corporate complaint and XXXX responded. I have called XXXX back three times with no response. Further, this lender has an interest rate near 300 % and I also asked that a {$1600.00} premium be removed from the account as insurance on household goods. That has not occurred. My bank sent {$250.00} to REPUBLIC FINANCE but the funds were refused. The branch manager is obnoxious and unrelenting in spite of my attempts to work with her. Further, she is ruining my career and my security clearance by filing a bogus lawsuit as if payment arrangements had not already been made with her representatives. This company is predatory and as a consumer I should have been aware of their practices and should have never done business with them. Unfortunately, consumer beware. If they do this to me, there are many other victims. I can not continue to go back and forth with them and if I lose my job no one profits. I can not disclose my location at this time and have no access to mail or other communications, which had also been explained multiple times. This is the only creditor I have had problems with resulting from the furlough and subsequent layoff. Their profits from me are already huge, that exorbitant interest rate should not even be legal long term. My spouse is military and also stated that I should not have been involved with this company. Please provide relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
-XX/XX/XXXX - I transferred {$10000.00} USD from XXXX account to my XXXX XXXX account that had been verified by Coinbase/XXXX. The website claimed this would take one business day, as it had for me in the past. 

-XX/XX/XXXX - I transferred another {$10000.00} USD from XXXX to the same bank account. 

- XX/XX/XXXX - I received one of the transfers. 

- As of today, XX/XX/XXXX, I am still waiting on the second {$10000.00} transfer. less the {$25.00} transfer fee. 

-Support has been essentially non-existent. I have sent 8 emails, 3 of which have been answered with canned responses, all with the same generic message : " We are looking into it ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: EQUIFAX, INC.
State: GA
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:
Ive submitted a dispute 5 times to the credit bureaus. They have a company XXXX XXXX showing a late payment for XX/XX/XXXX & XX/XX/XXXX. Ive submitted the dispute in the mail twice with a letter from the company showing it was never paid late. I submitted a dispute twice online. I also faxed in my dispute. Each dispute was denied even though I submitted documentation from XXXX XXXX showing the account was never paid late and the credit bureau still wont remove the late payments. This is preventing me from buying a home for my family.

Company response to consumer: Closed with explanation