BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-23
Company: Experian Information Solutions Inc.
State: NY
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 was recently checking my credit report and I saw several things I did not initiate. I was informed sometime ago that I was included in a data breach for XXXX, but thought is was a scam and didn't pay much attention to it. I have been in contact with agents from all bureaus and they are giving me the run around about deleting information that doesn't belong to me. They are reporting inaccurate information which is a direct violation of the FCRA. Now as a result, I have inquiries on my credit file/report that do not belong to me. The inquiries are from XXXX for XXXX ; Experian for XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ; and XXXX for XXXX XXXX. I have filed a report with the FTC, report number # 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 non-monetary relief
Consumer complaint received 2021-02-12
Company: BANK OF THE WEST
State: CA
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:
I made regular payments to this Bank of the West ( credit ) Mastercard using their payment method through my checking account from another bank. The payment gets posted within 2 days without any issue ( and my checking account too shows that ). 

But the card puts a 15 days hold on payment -- which does not allow me to make subsequent purchases. 

I asked them why. The typical answers are ( i ) it's in our system -- we can not change it ( ii ) For all new customers we put such a hold ( which, I checked, is not true. My wife and some of my friends too opened this card at the same time. They don't have this issue. ) I have a high credit score. Irrespective of that fact, I do not understand the `real reason ' why such a hold would be on the amount that has already been taken out of my checking account and posted in the credit card account transactions -- and I would be blocked thereafter from using that credit-line for as many as 15 days.

The representatives ( to certain extent ) and especially the Supervisors have been very uncooperative and arrogant in discussing or resolving 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 2021-02-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My son did five transactions through USAA using XXXX. I am a secondary owner on the account. We contacted USAA and where usually, they would provide a provisional credit while they investigate ; only two days later they replied that there was nothing they could do. They claimed they contacted the XXXX network and the scammer 's bank. The amounts totaled over {$1600.00} which is a lot of money for an XXXX old to lose. I understand that other banks have been able to retrieve funds back for being scammed. I am reporting my frustration that USAA is not willing to help retrieve the lost funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I am trying to track down my Stafford student loans to be able to pay them off. Navient told me that my loans went into default because I was always a month behind in my payments. They sent the loan back to XXXX. When I phoned XXXX on XX/XX/2021, I was directed back to Navient. I requested a balance, and I was told I owed {$31.00}, XXXX. I asked for a balance statement to be sent to me via email and USPS. Two weeks later, I have not received anything. I am trying to pay off these loans! I called Navient today, and when I asked again for a statement, I was told again that they can't produce a statement because of the " system integration. '' I find it hard to believe that the company can not provide me with a way to pay off my loan balance. I am afraid they are stalling to add penalties to my current balance which they said was good for 30 days. It has now been two weeks. P

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: EQUIFAX, INC.
State: OH
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 requested a confirmation of credit reporting on XX/XX/XXXX with the United states bankruptcy Court and and filled a dispute with all three credit reporting agency also a 3rd Party reporting called XXXX XXXX.I received a letter from the United States Bankruptcy Court stating that they do not report to an credit reporting agency or any third party reporting agencies. I sent the letter asking the agency to have the judgement removed and they still have not removed it only updated on my report on XX/XX/2018. In again resent the information to the credit Bureau on XX/XX/2018 asking to verify this incorrect information. With out even looking into my concern, the resent me the same letter stating that it was verified stating that it was verified by a 3rd party consumer agency called XXXX XXXX. I then contacted XXXX XXXX on XX/XX/2018 voicing my concern ans and filed a dispute.. On XX/XX/XXXX I received verification from XXXX XXXX that the can not verify my Bankruptcy and it has been removed. I would like to have the judgement removed immediately due to the fact that it is not verified and not accurate information. Thank your for your support.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Coinbase, Inc.
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2020 {$300.00} XX/XX/2020 {$68.00} XX/XX/2020 {$190.00} XX/XX/2020 {$50.00} XX/XX/2020 {$400.00} XX/XX/2020 {$100.00} I was purchasing different crypto coins in hopes of a significant ROI after the Bitcoin halving event coming up in two or three days time. My linked payment accounts were disabled when I tried to purchase XXXX  and XXXX  this morning early around XXXX XXXX. I called the XXXX number for help. The automated bot told me to push 1 on my keypad if I believed my account was compromised. So I did, now it's disabled. I've sent multiple messages for help. No human response. I've followed automated instructions to regain access to my account. I completed the verification of ID several times. That includes front and back photos of my driver 's license and a head and shoulders picture of myself. It claims to verify my ID within 5 mins. It does not, even after 30 mins. I've desperately tried multiple times today. I need help. This company isn't helping what so ever. I honestly believe they've stolen my investment, which was increasing in value. Thank you kindly, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: EQUIFAX, INC.
State: PR
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 notice that my credit report was really low within last couple months, base on my payment history since i never had late payments or delinquents account. After reviewing my hard inquiries reported i notice there were 2 lenders ( XXXX XXXX, XXXX mortgage, both lenders currently have no relationship with me ) that reported at least 4 unauthorized hard inquiries for 3 credit bureaus ( XXXX, XXXX, Equifax ). I already contact them by phone, made online disputes and sent letters to this 3 bureaus, lenders and haven't resolved this fraudulent issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Experian Information Solutions Inc.
State: IA
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:
Credit bureaus fail to remove collections from credit report.Im submitting a email from XXXX stating it would be deleted.

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 2019-08-24
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My credit has been deducted 85 points for and fraud saying I owe XXXX dollars and I have never opened an account with credence resource management ever and it's a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
An escrow analysis was done and increased by payment to almost the double amount. When I inquired to determine the reason, my homeowner 's insurance billed amount was incorrect. 
The address for this mortgage company is XXXX XXXX XXXX, XXXX, VA XXXX The homeowner 's insurance billed amount was incorrect. The amount of XXXX has been deducted from my escrow account, paid to XXXX, from my escrow account, paid to XXXX, which had no policy for this property and refunded by same. 
and the insurance amount paid is for my other property at XXXX XXXX XXXX XXXX VA XXXX. Nationstar Mortgage has no insurable interest for the property at XXXX XXXX XXXX XXXX VA XXXX. I worked with XXXX to determine that Nationstar had accessed the business to business website and fraudulently gained the insurance amount for XXXX XXXX XXXX XXXX VA, XXXX, which was a violation of my financial privacy. Additionally, the funds they removed from my escrow account to pay a debt that was not due from me. 
I contacted Nationstar on XX/XX/2019 about this issue. through the messaging portal fro their website. I received a reply on that my inquiry had been forwarded to the insurance department for review on XX/XX/XXXX. On XX/XX/XXXX, I replied that my issue had not been addressed. The subsequent communication on XX/XX/XXXX and XX/XX/XXXX was via my personal email, XXXX. Next, on XX/XX/XXXX, I received an email stating they received my inquiry was to establish an escrow account. I replied again via email and stated my issue was still unaddressed. On XX/XX/XXXX, I received another email response again referencing my to establish an escrow account, which I never made. I replied on the same day again stating this was not my issue and my issue was STILL unaddressed. 
the increased mortgage payment, due on XX/XX/XXXX would not be paid at the current amount. I further advised that as I had not received any resolution I received no further correspondence. On XX/XX/XXXX, I contacted Mr. Cooper via their online messaging portal and advised there had been no resolve and from them, I would be seeking elsewhere. On the XX/XX/XXXX, I received 2 separate response, one to acknowledge receipt and the other to apologize for the poor customer service and that the issue will be forwarded to customer relations. On XX/XX/XXXX, I received a letter by email restating the payment of {$3800.00} to XXXX and the refund. As well, the use of the {$3800.00} as a basis for the escrow analysis. Still, no reference was made as to why they used the amount of the insurance cost for my other property or their basis or right to access this information. My response addressed this specifically in my email response today, XX/XX/XXXX. All of these events occurred in this calendar year, 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: EQUIFAX, INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I did an investigation to my credit report and noticed that the following accounts are inaccurate and fraudulent. I did not own the following debt. I am a consumer by law and my information was misused. I am not happy about it. 



XXXX XXXX / XXXX / {$1500.00} XXXX XXXX XXXX  XXXX / {$1400.00} XXXX XXXX XXXX / {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: Experian Information Solutions Inc.
State: WA
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
My credit card was charged {$24.00} on XX/XX/2017 for a credit report which I do n't remember ordering or signing up for. I tried calling Experian who put through this charge on my credit card and twice I was told by their telephone prompts at XXXX that my wait time to speak with someone about this is over 1.5 hours. Really? to make matters worse, their online support page tells you to call this same number to resolve the issue. This is ridiculous. How can a Credit Bureau of all person ask an affected consumer to wait 1.5 hours on the phone to address an issue with them. I need to cancel whatever arrangement they have on file for me regarding this and I also need to be refunded. I have since cancelled my credit card to avoid further charges. 

Please help

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 2020-05-08
Company: Waypoint Resource Group, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX, I contacted XXXX XXXX to have my services transferred to anew address. Around the XX/XX/XXXX, I moved. Unknown to me, my services were never transferred and the internet I was using at my new address belonged to the previous tenant. After an outage, I called and was informed that due to an error on their end, my services were never transferred. After further communication, my services were transferred to my new address. Towards the end of XXXX, I was contacted by a collection agency about a balance owed to XXXX for {$56.00} for services at my previous address. To my knowledge, I shouldn't have a balance and the services and balance from my old address were transferred to my new address. I was told that XXXX, instead, cancelled services at my old address and started new services at my current address. I never received notice of this and have always paid my bill under the assumptions that I have the same account. The collection agency I spoke with at the time said that they would enter a dispute. Today, I was contacted by Waypoint Resource Group, a collection agency, about this same XXXX account. The account was transferred to them on XX/XX/XXXX, and the balance is now {$71.00} due to a {$14.00} fee that XXXX charges.I explained the situation to the new collector and they too have offered to enter the dispute with XXXX. They did inform me that I would receive no communication on the results of the dispute and if my dispute is deemed unsubstantiated, they will resume collection activity and report this account to the credit bureaus within 45 days. I do not understand why I was never notified that the transfer of service never took place and that I owed a balance, if this is even true. What's even more bizarre is that I currently have an active account with XXXX XXXX that is in good standing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: CCS Financial Services, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have an issue with a debt collection agency named CCS Collections. The debt was originally from XXXX XXXX XXXX. I paid the entire debt of {$280.00} with a bank account I no longer have so I can  not prove I paid it. I have tried to dispute it with XXXX  and XXXX and I have also tried to contact CCS Collections by phone to let them know that I made this payment. I made the payment in XX/XX/2018. I believe it was in the summer or fall, however, it could have been sooner. The know I did not make the payment after XXXX. The agency refuses to help me since I cant prove I didnt pay the payment since I no longer have access to the old bank account I used. I believe it was with my XXXX XXXX XXXX  account, however, I could have used my XXXX XXXX account. How do I fix this? Im affected by covid-19 and can not afford to pay this a second time!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Midwest Recovery Systems
State: NM
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020 Midwest Recovery Systems reported a collections account on my XXXX and XXXX credit files. I had never received any correspondence or phone calls from this company prior to the erroneous posting on my credit files. In the following days I received multiple phone calls attempting to collect a debt. I informed Midwest I have no knowledge of this debt and demanded verification. To date they have failed to provide any validation information. I am assuming this is a scam with the intent of defrauding me through extortion as they have failed to provide any evidence of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: EQUIFAX, INC.
State: OH
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 am XXXX XXXX. I know for sure I am being CHEATED out of a decent credit scores due to MASS UNAUTHORIZED Inquiries that have impact my credit scores. These are inquiries made by companies with whom I have NOT applied for a loan or credit. I do not think its fair to ruin my credit score whereas these unauthorized inquiries remain on my credit file for up to 2 years. I need to know to whom do I contact to have mass unauthorized inquiries removed at once. I refused to be a victim of all credit bureaus that powers over their decision to leave these unauthorized inquiries on my credit report when I have for the last 6.5 years has worked my XXXX off trying to maintain decent credit and or credit scores? and allow something to hold me back while trying to purchase a condo. 
I have spoke to a local attorney who has informed me that if I did not go into to these companies and or speak to any of these companies to authorized them to run my credit file then all fraudulent inquiries must be removed from my credit reports at once. 
I mean all credit reports. XXXX, XXXX & equifax asap. I have no ideal how these companies I am posting in this complaint got a hold of my social security number. anyways if its not me then all inquiries must be removed. I have also sent hard copy US mail & email process to United State Attorney General 's office, Congressman XXXX XXXX. This must stop it ruining peoples opportunities to better themselves. How can this happen if you have never been in their face and or phone call and or place of business

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: ENCORE CAPITAL GROUP INC.
State: FL
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:
I received a call in 2018 about a debt I was supposed to have. I told them this is not mine. Please provide documentation on this debt. I got a few papers from the original company who,, I assume held the debt. I spoke to them a few months later telling them I did not get anything stating I owed them money. They put numerous bad marks on my credit. They told me they would continue until I paid it. I again called them just today,, they told me to file a police report on something from back 4 years ago. And also told me today they will continue to post it on my credit report. Which will not allow me to buy a home or a car. I just want it off my report. I did not have this credit card or account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I opened a credit card account with Comenity Bank/Wayfair in XX/XX/XXXX. I am experiencing an issue getting a payment applied to my account balance, getting Comenity to acknowledge the payment, and Comenity 's failure to provide access to 24 months of statements as stated on their website. 

My payments are due on the XXXX of each month. On XX/XX/XXXX, a payment for XXXX 's bill was sent to Comenity bank in the amount of {$540.00}. They received it on XX/XX/XXXX. That payment, which was above the minimum payment amount, has not been credited to my balance as of XXXX XX/XX/XXXX. In order to avoid being late, I had to make an additional payment of {$67.00} on XX/XX/XXXX because Comenity Bank failed to credit my first payment. 

I have received conflicting statements from Comenity 's customer service representatives. Some believe it should have posted already while others state " it could take awhile ''. Meanwhile, Comenity bank is benefitting from charging me interest on the higher balance. 

Further, when viewing statements online, Comenity bank states that customers can view up to 24 months of statements online, however, they do not provide customers with the option to view statements prior to XXXX. Comenity bank has not provided access to XXXX statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: Home Point Financial Corporation
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: Account status incorrect

Complaint:
on XX/XX/2018 Home Point Financial experienced a technical issue that affected the accuracy of the information to one of the credit reporting bureaus. As a result my mortgage account was reported delinquent 30 days. 

They sent out a error report to the credit service but as a result my credit score went from XXXX to XXXX.

Company response to consumer: Closed with explanation