BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-06
Company: Grain Technology, Inc.
State: MI
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:
Grain Technology has been knowingly reporting false information to the credit bureaus and has damage my credit over XXXX points. They have reported my account is delinquent as well as prior not reporting payments Since XX/XX/2022 I have been asking and demanding grain to fix the matter with no resolution in sight. They made me update my payment method on file to make payments and have still been charging me late fees and interest on an account they had yet fixed. When I updated my bank account they connected to the wrong bank account, Ive reached out and they still haven't fixed this matter. And even with the wrong bank account attached and being signed up for automatic payments they have not automatically taken my payments. Instead of resolving the matter they just reported as if I didnt make payments and charged me fees. I have proof. I plan to sue them if this isnt fixed. This is a fraudulent company, you can't even call it has taken months for them to respond to my emails and get this, the month of XXXX they have debit my checking account 2 different times. How are you double automatic charging me and still reporting me late. No one tries to help. They have already damaged my credit put on late fees requesting me to pay so they can fix it when its already damaged I been trying to pay the entire balance off for MONTHS and me paying it off now will not fix the issue they need to fix and report to the bureau so my credit is fixed once they do that I have no issue paying. If you look at the screenshots I can't make an extra payment if I wanted to. How am I late with automatic payments set up that you are not initiating or allowing me to pay? This company has been moving very untrustworthy I dont trust them to follow through on anything and they barely respond back. The degree and damage this caused Im turned down on things now. Im not the only one who this company has had this issue with them in regards to payments and wrongful credit reporting its all listed with the XXXX and CFPB under grain the digital credit card. They need to report the last amount they last reported so my credit is fixed and allow me to make my payment and report that in timely filing as well in which they have failed to do as well its a huge mess with this company and very unacceptable.please see below I have attached some info as proof as well as complaints from other people who have been going through this as well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: NC
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:
Wells Fargo repoed my XXXX XXXX truck and sold it then tried to make me pay off the remaining balance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter out on XXXX XXXXHere is the attached letter, however, the credit bureaus failed to remove the one that did not response in 30 days or those that failed to provide proper documentations to show ownerships. 

According to the law 15 U.S CODE 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through the reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I'm submitting this in hoping to get XXXX XXXX XXXX XXXX to remove a 30 day missed payment from my credit reports from XXXX of 2017. My husband was in the process of changing assignments and our pay was messed up. In addition there were fraudulent charges on my credit card account that I recently found out about and were able to dispute and win. I was credited over {$600.00} because of it. This affected my balance at the time and my ability to pay my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I transfered money from my Coinbase account to my bank account XX/XX/XXXX and got a response that money will be on my bank account XX/XX/XXXX but it still has not arrived. 

The amount was XXXX euros and XXXX cents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Experian Information Solutions Inc.
State: WI
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:
It is the Credit Reporting agencies duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are not. XXXX, XXXX and Experian are reporting XXXX inaccurate late payment for the XXXX XXXX XXXX XXXX with the account number XXXX. This includes late payment ( XXXX ) 60 days from XXXX XXXX This is incorrect and supposed to be reported as Paid as Agreed. Furthermore, pursuant to 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person ( s ) making the report. A transaction constitutes these late payments resulting in XXXX, Experian and XXXX in violating my Federally protected rights. To add to this, I did not give ( Credit Bureau ) written instruction/permission to furnish these inaccurate late payment ( s ) on my consumer report of file, thus violating 15 U.S.C. 1681 b ( a ) ( 2 ). It is clear that XXXX, XXXX and Experian have violated my Federally protected rights under the FCRA and the inaccurate reporting is causing me undue hardship and my reputation severe harm and discrimination.

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 2023-04-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of fraudulent information. My information was also impacted by XXXX, Equifax and XXXX data breach and May have got into the hands of the wrong person. I am writing to request that you block ( FCRA 605B ( 15 U.S.C. & 1681 c-2 ) the following unauthorized information from my credit report. I have no idea how the misinformation come to take place. I pulled my credit report and there were accounts and inquires on my credit report that are not mine and ARE UNAUTHORIZED. I filed a formal complaint with the Federal Trade Commission. 
Remove fraudulent account as I have no knowledge of any of these accounts due to EQUIFAX breach Identity theft. 
XXXX  XXXX XXXX Balance : {$10000.00} FDCPA Section 807 Violation Misleading False deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. The account is INACCURATE and I'm seeking LITIGATION REMOVE/DELETE IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
State: TX
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 requested security freeze to be placed under my information and demanded that my personal consumer information not be shared with anyone, any person, and/or any company but it appears it is still being shared without my permission.

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 2018-02-12
Company: SLM CORPORATION
State: AR
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:
On XX/XX/2018 I submitted {$5000.00} as payoff on one of my daughter 's student loans. In the process of submitting the payment, their website locked up. I re-entered the information and submitted again. On the second submission, I received a confirmation number. The next morning I checked my bank statement and realized the money come out of my account twice. 

I contacted Sallie Mae immediately and they confirmed that they received the payment twice and I had a credit balance of {$5000.00}. They informed me that I needed to email them proof that the money had come out of my account twice and to explain what happened. I did so immediately. They informed me they would expedite the request since it was such a large amount. 

I waited a few days and still had not received my money back. I called Sallie Mae again for a second time and they informed me that it could be 7-10 business days before I got my money back which would have been Thursday, XX/XX/XXXX. I waited until Friday, XX/XX/XXXX and called them back for the third time. I went through the whole process again. She again, for the third time, confirmed they had my money and yes it was due to me ; however, 10 business days would be Tuesday,XX/XX/XXXX.

I still do not have the {$5000.00} in my account and it has caused a financial hardship on me. I know in the banking world, they have 48 hours to credit your money back. Why is Sallie Mae allowed to keep my money for 14 days and still counting? Who regulates them? Is this legal?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: CBK, Inc.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I checked the XXXX XXXXXXXX XXXX for my name. A debt attempting to be collected by XXXX XXXX is on the XXXX XXXX. I have no idea who this company is nor the debt they are allegeding that I owe them. XXXX XXXX has never notified me of this alleged debt as required by federal law. 

XXXX XXXX XXXX, it entered XX/XX/XXXX for {$170.00}. 

Per the XXXX XXXXXXXX XXXX, " to assure due process, setoff statutes require that the debtor be given the opportunity to appeal the validity of the debt. The debtor initially has the right to appeal the debt amount within 15 days from the date of the notice of intent letter. If an appeal is received within 15 days, further XXXX  procedures are delayed until the dispute is resolved. If the XXXX XXXX receives an appeal request from the debtor, the XXXX XXXX will acknowledge the debtor and will notify the creditor agency and request that the creditor agency and debtor try to resolve the dispute. If the dispute can not be resolved, the matter is scheduled for a formal hearing. '' The XXXX XXXXXXXX program nor the collection agency never sent me at any form of written communication regarding this debt, including a " notice of intent '' letter. 

This collection agency and the XXXX XXXX program are in violation of federal laws and their own ordinances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Previously submit complaint number XXXX regarding consumer violations and past dispute with credit bureau , Equifax. The bureau responded by stating that an investigation was done and the information was verified as my account, but did not address any of the violations or concerns that was listed in the complaint. The complaint was closed without being able to appeal the response. It appears the company responded, so they can say they responded without taking the time to address my concerns which is even more frustrating. I shouldn't have to beg and pled with a company to fix inaccurate information on my credit report, and should be able to trust that companies as such would not intentionally violate my rights and will hold my information confidential, but that does not seem to be the case. I've been going back and forth for over 5 years now for the SAME issues. Not one time has this company provided me any documentation to show how they " verified '' the information. Yet again, this is way over the 60 days and my credit report is STILL not correct. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. credit bureaus have an obligation to report Accurate, Complete and Timely information, but Equifax failed to do so. According to Section 611 of the FCRA, I have a right to get the method of how said accounts were verified, but Equifax failed to provide the requested information.

Company response to consumer: In progress
Consumer complaint received 2023-04-18
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: Information belongs to someone else

Complaint:
as of XX/XX/XXXX i have noticed fraudelent accounts and inquiries on my credit report and consumer reports. 15 U.S. code 1681c-2 a consumer reporting agency shall block the reporting of my information in this 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 receipt. 

account name : XXXX account # : XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account Charge account XXXX Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$41.00} {$41.00} {$41.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$63.00} {$63.00} {$63.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$210.00} {$210.00} {$0.00} Credit Limit : {$300.00} {$300.00} {$300.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: EdFinancial Services
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have requested that Ed Financial Services fix the false information on my credit report, as well as a Third Party Company representing me. They've reported that I was 120+ late on student loan payments that have been in deferment status. I have consistently completed deferment paperwork every time I was eligible. There are 5 negative items on my credit report that are false and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: MOHELA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I spoke to a 3rd party in XX/XX/XXXX and got enrolled for Repaye/PSLF program for my student loans. I payed $ XXXX plus {$98.00} every month thereafter until XX/XX/XXXX. I called XXXX my student loan provider where they told me that money was never applied to my loans or my mothers loan which was a student plus loan. 
The representative I spoke to in XXXX there supervisor XXXX, explained to me to reach out to you guys in regards the matter, because this was a 3rd party charging me for services I could have received for free

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: IN
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 XXXX is not my account and I am a victim of identity theft and fraud. Please notify all credit bureaus and remove from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: EQUIFAX, INC.
State: IL
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 recently reviewed a copy of my credit report and noticed the following information regarding to be in error. The Fair Credit Reporting Act XXXX IS REPORTING A BALANCE THAT IS INCORRECT NOR DO I HAVE KNOWLEDGE OF XXXX XXXX XXXX for {$1500.00}. As of XX/XX/2023 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
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 Started off by sending my notice of my request for a listed number of documents for XXXX to mail to me on XX/XX/2019 I also sent out disputes to all 3 credit Bureaus This listed consisted of a number of documents I have a right to as a consumer. This list includes - 1. The complete original alleged promissory note that shows my signature 2. The account transaction history 3. Any required default or acceleration notices 4. The notice of sale document 5. The Calculation of Surplus or Deficiency letter 6. Any additional finance contracts including those related to insurance or finance products 7. The buyers guide 8. The purchase order 9. Any license, bond or registration document required by the state that allows you to hold or service this alleged promissory note. 

On the XXXX of XXXX XXXX mailed me The Calculation of Surplus or Deficiency Letter, The Notice of sale document. They did not send me any additional documents related to insurance or Finance products, The Buyers Guide XXXX XXXX XXXX ), The purchase order, Any License or bond or registration document required by the state that allows them to hold or service this alleged promissory note.The Creditor lied on the contract and stated that I placed a down payment of {$1500.00} ( I Attached proof of this fraudulent claim ) The Account Transaction that I received from XXXX Omits 5 Months worth of transaction history with no explanation of why. It shows a Balance and Past due Balance on all bureaus which is a violation but it also shows a balance that is more than {$12000.00} higher on Experian and a past due balance that is inconsistent with the other 2 bureaus, The dates of last activity are just as inconsistent, and so are the dates of last payments made, 2 of 3 credit bureaus report the wrong credit limit, A monthly payment also reports which is also a violation. In my initial contact with XXXX I told them this account was a Retail installment sale contract not an auto loan, they report to the bureaus that the account is indeed an auto loan but yet send me a contract stating that it is true indeed a Retail installment contract but yet it hasn't change on the bureaus or even report that the account is being disputed. This is affecting the way my credit is scored and is no way to report the truthful accurate complete data. Below I have Attached more than enough documents to convince you of this blunder on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation