BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent numerous letters to get this stuff off of my credit report. By law it should not be reporting on my credit report without my consent. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. Also per the CFR 1022.41 Section ( C ) ( 4 ), none of the bureaus did a proper investigation so they should not be reporting in anything on my credit report without my consent. Which I never or will I ever give them consent to do so. This is against the law and part of your regulations as well. I want everything list to be removed from my credit report immediately. 

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 2021-07-14
Company: WELLS FARGO & COMPANY
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 made a reclamation cause {$130.00} Wells Fargo ' Bank and they answer to me : " The purchases was made for you or someone who had your permission '' It is ridiculous cause I am victim identity theft from 2017. Who can think being victim identity theft I can to give or provide my card pin to other person? I need my money A.S.A.P.

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 2021-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 was part of a romance scam where the scammer scammed me out of ~ {$190000.00} by pretending to be a love interest over a 5 year period. Scammer pretended to be medical school student who needed assistance with school tuition, housing, etc. I recently contacted Bank of America 2 weeks ago to discuss this issue but they are unable to reverse any charges as scammer had my banking information. Scammer 's credit card was linked to my account and was able to charge my account. Scammer also asked for direct transfers via Bank of America 's XXXX so all of the stuff should be in the system. Bank of America pretty much told they couldn't do anything despite her even charging my account as recently as of XX/XX/2021. I even told them I reported this to the FBI

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: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Dates : XX/XX/2016 {$630.00} amount at top Later in letter states {$850.00} emergency visit {$70.00} service provided between 10 : I sent a debt validation letter, with a request of my copy of my signature where I agreed to pay this

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 2021-10-26
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit 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 purchased a crock pot with a Best Buy Visa card. I returned the crock pot back to the store brand new. I was told by the manager at Best Buy that they refunded back to the same method of payment I explained we dont have the card and it was a Best Buy card. They refuse to give me a credit and took my crock pot. This is stealing and fraud

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: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had applied for 2 credit cards in XX/XX/2017 with Chase. I had two existing credit cards with Chase already. They notified me that they were going to close all of my credit card accounts. I was taken aback immensely because I am an existing Chase Checking Account customer with a {$110000.00} income at XXXX years old working for a large corporation. As a young adult, I was surprised, as I have never had a late payment. I never conducted any sketchy business activities. In fact, I use credit extremely responsibly and I simply wanted the credit cards for the benefits they provided at hotels, airlines, etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-31
Company: SLM CORPORATION
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
On XX/XX/2018 at XXXX, I received a call from Sallie Mae . The phone number was XXXX XXXX XXXX. The called me several times. I answered the phone and reminded them that it is illegal to contact me at this time of night. I am being harassed by this company. I do not owe on this debt, it is not mine. I have stated this many times. I have requested a copy of my signature showing proof. They have provided me only with a statement. I NEVER sign documents online, which is what they are claiming. This is not my debt and this company is harassing me by calling me at XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My XXXX XXXX VISA card was transferred to Bacalys bank. I never received my new Barclays XXXX MasterCard in the mail. I tried calling Barclays customer service at XXXX but was unable to speak with a Customer Relationship Agent. I called several times and was put on hold for 45 minutes each time. I fear my new credit card is lost and it will be used by an unauthorized person. I have not activated the card as I have not received it. My account ends in 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 2021-10-26
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
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: Was not notified of investigation status or results

Complaint:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: RIA FINANCIAL
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
I would like to say is that this company wasted my time. I initiated a transfer on Monday and had to verify my identity through their third-party verification company. Then I received a confirmation/receipt that my transfer has been initiated. 

A few hours later I received an email stating my account is under review and that I have to upload my identity. I emailed them and told them that I have already uploaded my identity and I thought that everything was good to go. Even when I tried to log in to upload more documents the message states " We are checking your documents ''. 

The next day I received a call from a rep and she asked why I am sending the transfer to myself. I told her that I live in the XXXX also and need to send money to myself from my US account. The upload page was working now so I reuploaded my passport. 

Today, I woke up to an email saying my account and transaction is canceled. Wow! What a waste of time. They have already debited the funds from my bank account. They should have at least got my account approved before debiting my account. Now I have to wait to get my money back. 

I think they are earning interest on my money. Stay away from XXXX. They discriminate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Convergent Resources, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.

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 2021-08-13
Company: American Coradius International LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a bill from American Coradius International LLC stating I owe XXXX {$370.00} and I contacted XXXX XXXX and I don't owe them anything.. I spoke with a XXXX and he said they will send this to XXXX XXXX  and they will do a full investigation on this and to disgard this statement. 
The address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX Toll FreeXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: AES/PHEAA
State: CA
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:
On XX/XX/XXXX, I submitted a complaint about PHEAA ( FedLoan Servicing ). I noted that they miscalculated my eligible payments for the TEPSLF program. PHEAA responded on XX/XX/XXXX stating " you called your loan servicer, XXXX XXXX XXXX, on XX/XX/XXXX to request an alternative repayment plan. Effective XX/XX/XXXX you began repaying your loans under the XXXX XXXX XXXX XXXX. This continued until XX/XX/XXXX when you requested to change your repayment plan to the Income-Based Repayment ( IBR ) plan with XXXX. '' This information is inaccurate. I was on an alternative repayment plan from XX/XX/XXXX to XX/XX/XXXX. However, I called XXXX XXXX XXXX in XX/XX/XXXX to request a Standard Repayment plan. Starting on XX/XX/XXXX, I was on a Standard Repayment Plan. This continued until XX/XX/XXXX. In XX/XX/XXXX, I requested to change my repayment plan to the Income-Based Repayment plan with XXXX. I have been on the Income-Based Repayment plan since XX/XX/XXXX. 

Therefore, all of the payments that I made from XX/XX/XXXX to present are eligible payments for TEPSLF since I was on a Standard Repayment plan from XXXX XX/XX/XXXX and then an Income-Based Repayment plan from XX/XX/XXXX to present. 

The uploaded documents clearly show that I was on the Standard repayment plan from XX/XX/XXXX to XX/XX/XXXX. I have each letter documenting this from all of the loan servicers that I have had during that time frame. You can see the documentation of a Standard Repayment plan on the second page of each document. 

I have applied for TEPSLF three times in the last two and a half years and have been wrongfully denied each time. It is vital that PHEAA fix this error immediately since this program is temporary and is first-come first serve. Once the funds run out, I will not be able to claim what I am rightly entitled to based on my qualification for the program. I have met all requirements for the program. I have been terribly wronged here and have spend countless hours trying to remedy a problem that should have never occurred. Every time I try to address this with PHEAA they keep giving me more inaccurate information. This is completely unfair and should be addressed immediately. I am entitled to have my loans forgiven.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-27
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Back on XXXX, 2019, I sent to US Bank a request to fix this problem. There is a US Bank account # :XXXX that has incurred in fraud charges.I did not authorize or benefit from any of these fraudulent transactions made on my card. I tried to fix this with the company by sending letters with FTC attached but they did not do anything about it. My credit score is being affected because of this, Please help me to fix this.

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 2018-01-30
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, my wife wire transferred {$45000.00} to my Coinbase account. On XX/XX/XXXX, Coinbase sent the following email to me to claim to send my money back : " You recently sent a wire to fund your Coinbase or XXXX account for {$45000.00} USD. Unfortunately, we are not able to apply this wire to your account due to a name mismatch and will be returning this wire back to your bank. Please allow us 7 business days for processing. 

To prevent wire returns in the future, please ensure wire deposits are sent from a bank account that matches the legal name of your Coinbase or XXXX account. For more information, visit the Bank Wire Deposit section of our payment support page. 

If haven't received your funds after 7 business days, please email XXXX for assistance. '' However, the fund has not been back to my wife 's account after 21 days. I have sent multiple emails to Coinbase 's customer service but did not get any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: Experian Information Solutions Inc.
State: OH
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:
The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided 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 or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.

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 2021-07-14
Company: Credit Solutions
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I attempted to despuite this information on my credit report. And was informed that is accurate. In which it is not. I never had a cellphone with this company. I have had problems with my identity being used with out my knowledge in the past. my information was stolen a few years ago. And ive been having to deal with unknown accounts on my credit report from sometime know.

Company response to consumer: Untimely response
Consumer complaint received 2021-11-05
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2021 XXXX Collections reported to EXPERIAN that I had a XXXX  account in collections in the amount of {$2100.00}. This was a fraudulent account and has already been removed and blocked by Experian. On XX/XX/2021, I contacted Experian and informed them that this fraudulent account was already removed and should not be on my credit report. I also contacted XXXX and they told me it was a civil matter and there was nothing they could do. I have contacted Experian multiple times and pleaded with them to remove this info and they say it is active. They have not provided me with an answer as to why they would put this back on my credit report. Experian is not helping me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

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