BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-01
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: Account status incorrect

Complaint:
i did applied for a loans XXXX XXXX   XX/XX/XXXX, The Equifax report was seriously delinquent.credits obligations unpaid. I had called Equifax and they toll me that there is an open unpaid account ; Reference # XXXX Creditor XXXX XXXX XXXX. Date XX/XX/XXXX. XXXX, XXXX, Adress XXXX XXXX XXXX XXXX XXXX NY XXXX. This is not my adress.I had never live in the XXXX. Equifax advised me to call the collecting agent XXXX   XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, WA XXXX, TE. XXXX e-mail XXXX They told me that if i paid they will removed the delinquency report, I did explain to then that the debtor is not me, that is noit my account but i did paid and trhe satisfaction was in full. XXXX notified Equifax, Equifax investigated and the y found the account is fraud.They promess me to removed the delinquency report, More than 40 days they did not remove.Last week i did applied again to XXXX XXXX   and still they repor Delinquency Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Hi, I sent a domestic wire of {$7500.00} to Coinbase on XX/XX/XXXX. I have yet to receive the funds, nor have I received any estimate on when my funds would be available. Coinbase 's bank, XXXX XXXX, has confirmed receipt of my {$7500.00} on XX/XX/XXXX. I've called four times, opened four support tickets, and I've gotten the same " in 5-7 business days '' response since Day 3. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: Chime Financial Inc
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Received a chime debit card in the mail that I never applied for under my old name. 
On another day I also received another debit card in my new name that I never requested that card is under XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: EQUIFAX, INC.
State: MD
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 disputed an XXXXXXXX XXXX account XXXX with Equifax many time yet all XXXX XXXX  have to do is just respond accurate ... .they failed to follow the law ... XXXXXXXX XXXX  have no Proof or contract under my name baring my signature ... .I have flie a police report, i have reported the account to the Federal trade Commision, and the Consumer Financial Protection Bureau . yet Equifax is the only credit bureau still have this account on my file, XXXX and XXXX have deleted the XXXX XXXX as Fraudulent account. yet equifax refuse to follow the law ....

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: BBVA FINANCIAL CORPORATION
State: CO
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 submitted a dispute to BBVA Compass Bank regarding two {$100.00} charges on my account dated XX/XX/19. I received ticket # XXXX on XX/XX/19 from XXXX and was told I would receive some forms to fill out and sign within 10 days. I never received these forms nor did I receive the dispute acknowledgement that they legally were supposed to send me within 30 days. Also this dispute has not been resolved within the two billing cycles they are supposed to have resolved it within legally. 

I called them again on XX/XX/19 asking again why I've received nothing and what was going on with my dispute and spoke to XXXX who stated he knew nothing about any forms and told me to wait longer. He also gave me the phone # to call the dispute department directly. 

I called again on XX/XX/19 directly to the dispute department and spoke to XXXX who stated that nothing has been done on my dispute and the ticket # was just notes stating I had started a dispute. When I complained about no one working on this dispute and them just giving me the run around, she stated she would put me on hold and " get this dispute to the finish line '' After leaving me on hold for a half hour, she just transferred me back to the original customer service department again! 
I spoke to XXXX and insisted on speaking to a manager so he transferred me to someone named XXXX who was just as useless and unhelpful as everyone else I've spoken to at BBVA. She said she couldn't control the mail if I didn't receive the letter, but wouldn't tell me that they had even sent one. She also wouldn't tell me why there were not any correspondences in my online messages or any copies of this non existing letter or what if anything was done on the dispute. She again told me just to wait and maybe this would end up in arbitration!! When I told her I was fed up with the run around I was getting and the terrible customer service her company has she couldn't have cared less. She stated " do what you have to do '' when I told her I was filing complaints against BBVA.  She said she would escalate my dispute to another manager but wouldn't transfer me to them so I have no idea if she even did that or if she just added another note or did anything at all to resolve this dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-31
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: Their investigation did not fix an error on your report

Complaint:
I'm a business owner. We often borrow money and we are always asked to sign personal guarantees. The loans never report to the credit reporting agencies since they're commercial loans. We currently have one reporting with Experian for a commercial loan or in this case a merchant cash advance with XXXX XXXX. Experian has refused to remove it from reporting as a loan on my personal credit report. I sent them the loan agreements for the loan, the incorporation and dissolution filings with the secretary of state. Those documents showed the loan was made out to a corporation that was also dissolved. Experian denied my request after requesting the documents be sent to them for review. They actually stated to me that XXXX XXXX  was their customer and they had an agreement with them.

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 2020-11-07
Company: EQUIFAX, INC.
State: MO
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 sent XXXX, Equifax and XXXX letters to validate the accuracy of four bankruptcies showing up on my credit report. They sent back responses saying that XXXX validated them. I then asked XXXX to verify this information and they responded that they do not report any bankruptcies with me. I also received letters from the two courts stating they did not provide any information to the third party or credit bureaus. I then sent this response to the credit bureaus and they still say they have validated it with XXXX and will not remove it. XXXX consumer # XXXX and Case # XXXX dated XX/XX/2020, shows there is not a bankruptcy on me. I have been going back and forth with the bureaus since XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: AES/PHEAA
State: WA
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 applied for TEPSLF back in XXXX I have not heard anything back yet. I believe I have made more than enough qualifying payments to FedLoan Servicing to have the balance of my federal student loans forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Central Portfolio Control Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a dunning letter from Central Portfolio trying to collect on a debt that I don't owe I've never heard of them. They have that they are trying to collect on behalf of XXXX XXXX in which I've never done business with. I've wrote them via mail telling them to contact me via mail to provide me with legal documentations showing I've done business with them or XXXX  in which I have not. They constantly call me and I repeatedly tell the to contact me via mail, they get rude and hang up or act like they can't hear me when I ask them to contact me via mail not phone or respond they will note I was uncooperative when they tried talking to me even though I keep telling them contact me via mail. This is not my debt, I have never done business with these people or any of its affiliates. I would like for them to stop contacting me or trying to collect on a fraudulent account as I have never heard of Central Portfolio nor have I done business with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: SYNCHRONY FINANCIAL
State: CA
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:
XXXX XXXX XXXX acct # XXXX i did not live at this address and did not have service at this property. 
I found out that my father who is now XXXX had used my social security for many things with out my consent or knowledge

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 2018-01-31
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I requested a funds transfer from Amex bank to XXXX XXXX XXXX XXXX on XX/XX/XXXX to be available on XX/XX/XXXX. The funds were not transferred till XX/XX/XXXX. I was charged {$12.00} by XXXX XXXX XXXX for insufficient funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: Experian Information Solutions Inc.
State: MO
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 sent XXXX, XXXX and Experian letters to validate the accuracy of four bankruptcies showing up on my credit report. They sent back responses saying that XXXX validated them. I then asked XXXX to verify this information and they responded that they do not report any bankruptcies with me. I also received letters from the two courts stating they did not provide any information to the third party or credit bureaus. I then sent this response to the credit bureaus and they still say they have validated it with XXXX and will not remove it. XXXX consumer # XXXX and Case # XXXX dated XX/XX/2020, shows there is not a bankruptcy on me. I have been going back and forth with the bureaus since XX/XX/2020.

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 2018-01-31
Company: Navient Solutions, LLC.
State: NC
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
We had a conference call with XXXX XXXX XXXX regarding a personal student loan debt that appeared on one of our credit reports. The conference call was initiated to resolve the status on the credit report for our mortgage. During the call, the agent informed that a settlement was offered but, it was an old offer & would need to be renewed. We have never received ANY written documentation about the debt by this company or any other third party collection agencies that it may have passed through. No payment plan or other payment options were discussed during the call. We were informed it was going to be closed out & wrote off by them. The information was sent to our financial officer who confirmed it showed a XXXX balance & was closed. However, the report sent to our underwriter showed it had been sent to collections for the entire balance. This company was deceptive, misleading and vague in regards to their intentions. Now our mortgage is in jeopardy because of their lack of due process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2020 XXXX XXXX initiated a wire transfer ( # : XXXX ) through my business bank account ( for XXXX XXXX XXXX XXXX XXXX in the sum of {$6800.00} absent my authorization to an individual unknown to me, named XXXX XXXX. This money was sent through wire transfer from my business bank account to XXXX XXXX at his Bank, Routing Number XXXX, account number XXXX. I was inadequately and improperly notified by XXXX XXXX of this specific transaction, and when I went to dispute this wire transfer ( which took place on the eve of XX/XX/2020 XXXX, I was advised by XXXX XXXX that the money was already withdrawn from XXXX XXXX 's Capital One Bank account early in the morning on XX/XX/2020. Thus, XXXX XXXX did not take proper precautions to confirm this exact wire transfer, and Capital One never took precautions to hold this transfer of money in abeyance until such transaction was confirmed. It is my understanding under the federal and state banking guidelines that the appropriate time period should have been at least a 24 hour period for clearance of funds. Capital One reneged upon enforcing any fraud action against their customer, XXXX XXXX, and XXXX XXXX disclosed XXXX XXXX ' address which is XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX and told me to go after XXXX XXXX myself, that because of Covid 19, they are not exercising all of their duties and regulations as what was more carefully done in the past. I expect as an American Citizen, that the banking regulations and laws would protect me in such a situation, and that it is their responsibility to do so and not have me personally resort to debt collection with an individual who clearly committed fraud and larceny under the law. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: Premier Portfolio Group
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Previously had filed a complaint through the CFPB ( case # XXXX XXXX. Premier Portfolio Group had finally after the deadline came back with this response : We dispute the claims presented in this complaint as our company does not practice beyond the guidelines of the FDCPA. Our company will close this account, and cease and desist all further communication with the consumer. 

Today XX/XX/18 received another voicemail from them threatening legal action. This is ridiculous. What is it going to take to get this company to stop what is obviously a scam. I believe I have enough now to take this case to the attorney general either in the state they are located or my own state 's attorney general. These people need to be stopped!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: EdFinancial Services
State: MN
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:
My student loan servicer EdFinancial is misreporting my student loan balances and continuing to charge interest during a government mandated forbearance period ; this is causing my credit score to be adversely effected as well as changing my loan balances to reflect inaccurate amounts of principal and interest. I have three student loans with the same services, and two are continually adding interest, and the servicer has been making collection calls to my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: Experian Information Solutions Inc.
State: CA
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:
A debt buyer company, XXXX XXXX, bought an account from XXXX XX/XX/XXXX, and is reporting the account on my credit report still although, the date of first delinquency with the original creditor renders that this account no longer be reported anymore because the statute for reporting this accounts information has expired. Account number : Account number XXXX for a balance shown of {$640.00}. The original creditor has already deleted the account from my credit reports across all three bureaus because the alleged debt is so old.

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 2020-04-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing to request the CFPB help. 

There is an invalid item being reported to the credit bureaus. The account is the following : Account information : Company : Wells Fargo.Acc ount Number XXXX Date Opened XX/XX/2013. Account has no limit reported, incorrect last payment date, incorrect closed date ( they are missing information, this is a violation under the FCRA ). 

I tried to solve this with Wells Fargo. On XX/XX/XXXX I sent them a dispute letter. 
They did not even investigate or mark the item as disputed. 

I am demanding a deletion letter, and this invalid item to be removed-. 

Please send the attached document to Wells Fargo. 

Thank you.

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 2020-11-07
Company: FISERV INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX 2020, and XXXX XXXX they say that I wrote bad checks. XXXX XXXX in the Amt. of {$41.00} and the Check on XX/XX/XXXX in the amt. of {$80.00}. I also called the creditor and they don't see any record of me writing the checks. The company that is trying to collect my money is TRS Recovery Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
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 and noticed that the Consumer Reporting Agencies are reporting inaccurate information to my personal information section. I sent in a letter to get it updated i will provide the letter and the document. I want only one of everything in each section

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: Rhojo Enterprises, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was stationed in XXXX with the XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. In approximately XX/XX/XXXX I got a 1 year contract ( month to month after the 1st year ) through the on-post XXXX XXXX for XXXX XXXX ( XXXX ) cellular phone service. I kept the service until XX/XX/XXXX when I left XXXX due to a military XXXX. I cancelled the XXXX XXXX contract in XX/XX/XXXX as part of the XXXX checksheet ( a sheet you have to complete before the XXXX allows you to leave the country ). The contract had already reverted to a month to month contract, but was still cancelled the proper way in accordance with SCRA Section 535A. Two years later in XX/XX/XXXX, a company called XXXX XXXX ( owned by Rhojo Enterprises ) sends me a letter saying that I owe them about XXXX euro. I immediately emailed them a notice of dispute requesting debt validation etc. They called me and in talking to the company representative they claimed they did not buy the debt from XXXX XXXX, but that they were the US debt collector for XXXX. In XX/XX/XXXX they emailed me again saying I owed ( even more ) money to them now as they were charging 8 % interest on the " debt ''. They were offering to discuss a settlement in the email, knowing full well that the account was in dispute to begin with ( and this was 3 months later, they still had n't provided validation of the debt ). Finally, 8 months after it was requested in XX/XX/XXXX, they provided " documentation '' of the debt. This did not include the original contract with my signature, it did n't include the original contract terms, and it was basically a word document showing monthly statements for AFTER the contract was cancelled. A couple weeks later they sent me another email saying I owed them money and included the same documentation they had sent a couple weeks prior, with some of the information stripped out. I have n't paid any of this, and they still insist that they are the US reps for XXXX and that they did n't buy the debt from XXXX. They refuse to drop it, despite the fact that it is a clear violation of SCRA.

Company response to consumer: Untimely response