BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-02
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The particular account position that is recently filed on this credit document has a seriously unfavourable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to The Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. Here is the account : CONVERGENT OUTSOURCI 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 2017-05-22
Company: Valley Credit Service, Inc. (OR)
State: OR
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Valley Credit Services is attempting to collect a debt with the incorrect amount. They purchased an outstanding balance five years ago and never notified me of the purchase, of the purported amount, or of the ability to  dispute and correct the amounts. I have notified them in writing and over the phone that the debt is disputed.     I called multiple times after seeing the derogatory report still on my credit and was told that I had to pay the entire amount, including interest and fees in excess o f Oregon Statutory amounts, or they would continue to harm my credit. I was never gi ven the ability to dispute the errors and they refused to update and correct the information.     I contacted the original creditor, my local credit union, for the correct amount outstanding and they forwarded that t o Valley Credit Service. After notifying repres entative "  XXXX  '' that the amount was incorrect and providing proof of the credits not applied at the sale of the auto, she refused to update the amount owing or the false amount reported to the credit bureaus.     Today was my final attempt to resolve with them. This company is n't listening to any disputes and is unwilling to correct their errors. Before filing a civil complaint for damages, I want ed to seek one final help to have  them conduct themselves with integrity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone opened a debit account in my name at Bank of America.

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 2020-04-06
Company: Experian Information Solutions Inc.
State: MD
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:
THE XXXXXXXX XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

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 2016-03-14
Company: TRANSWORLD SYSTEMS INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
They keep calling my home phone looking for a XXXX. I have informed them many times that they have the wrong number and they started to call my home more. Now I get calls every other hour for XXXX. The number calling my phone is XXXX nco fnc svc. I work from home and this is a constant distraction to continually receive these types of calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I obtained a copy of all XXXX credit bureau reports and found that I had several inquiries that did not belong to me or that I did not authorize. I requested that all XXXX bureaus remove these inquiries but they indicated to me that I needed to reach out to the creditors that requested the inquiry and have them remove it from my report. I did contact each creditor who are now telling me that they legally pulled the inquiry but ca n't provide me with any signature showing that I approved the pull. I went back to the credit bureaus but they still will not remove the incorrect credit inquiries.

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 2015-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
On XXXX XXXX a fradulent amount of {$35000.00} was charged to my Bank of America credit card and transferred to a bank by the name of XXXX bank by a criminal. I called by credit card company to report this fradulent activity. I fear that my bank account information and identity has been compromised this is the second time this month some theif has goe into XXXX separate account of mine and my wifes. Can someone please investigate this incident. My statement from Bank of American showed that {$35000.00} dollars had been transferred to someone 's bank account at XXXX Bank, I called XXXX bank and they would not give me any information. Please investigate who this criminal perpetrator is and who has stolen my personal account information???

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is not responding to my requests to investigate and remove accounts from my credit report that do not belong to 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 explanation
Consumer complaint received 2020-04-19
Company: Experian Information Solutions Inc.
State: CA
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:
Unauthorized HARD Inquiries from Experian XXXX XXXX, XXXX XXXX XXXX, # XXXX, XXXX XXXX, CA XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 2017-05-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
PORTOFILIO RECOVERY ASSOCIATES IS REPORTING DEBT ON MY CREDIT REPORTS AS A factoring company and this is misrepresentation. A " factor '' is one who buys corporate receivables at a discount not a JDB dealing in uncollected bad debt. In addition the call and make threatening and harassing calls, and continuously violate the FDCPA LAWS.
I HAVE FILED DISPUTES WITH ALL AGENCIES AND I HAVE ATTEMPTED TO CONTACT THEM FOR REMOV  AL TO NO AVAIL.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third party agency. Please see my attached documentation, as it contains my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Millco Management
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Complaint goes for both Amerifinancial solutions for {$3500.00} and XXXX XXXX XXXX XXXX FL XXXX on XX/XX/2020 {$920.00} I don't recall ever borrowing anything or owing anything to anyone for sure need it disputed as same goes for this Company Amerifinancial solutions for about {$3500.00} that I never recall borrowing, owning or associating with ever and I need this also disputed. Also I says on my XXXX XXXX XXXX XXXX the middle name needs to be XXXX instead of XXXX. My new phone number on my credit report is XXXX I'm locked out of XXXX at the moment and their shouldn't be any other cell phone number on file. One more thing is the only address on file Should be XXXX XXXX XXXX XXXX FL XXXX all other addresses need to be deleted and disputed immediately thanks. - Best regards XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: CA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I had submitted a dispute letter to you recently and received a response that is nothing more than a stall tactic. The errors on my credit report that were addressed are inaccurate and your refusal to comply with my dispute request is not acceptable. These accounts being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. I need these corrected at once. This is your final chance to resolve the inaccuracies on the items : XXXX BANK XXXX Date Opened XX/XX/XXXX Balance {>= $1,000,000} Late/Open Late Date XXXX, XXXX BANK XXXX Date XXXX Balance : $ XXXX Late Date XX/XX/XXXX, XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} Late/Closed Late Dates XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have disputed two things on my credit report with XXXX  and XXXX, But Equifax is impossible to contact.. They're website, ( on days that it will even let you log in ) gives a error message with anything I try to do. They're phone help line randomly makes choices for you before finally saying " Thanks for calling Equifax, Goodbye. The first Dispute is with XXXX XXXX. They have a account from XXXX XXXX XXXX for XXXX. This was for an unauthorized medical procedure performed for XXXX. Agreement was made with XXXX XXXX specialists for 50 % payment to settle the issue. It still ended up on my report though.

Second was XXXX XXXX acting for the XXXX XXXX in the amount of XXXX. This was for a early lease termination. Also approved by the leasing mgr. 5 yrs ago. 
Both of these matters were settled before ever showing on my credit report. I can dispute them myself with Equifax if any of their outlets worked at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including many bankruptcies. My identity has been compromised and it is very upsetting to see the amount of accounts that were open under my name. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX/XXXX  XXXX {$670.00} XXXX/XXXX  XXXX {$510.00} XXXX/XXXX  XXXX {$5200.00} XXXX XXXX XXXX  XXXX XXXX {$470.00} XXXX XXXX XXXX {$350.00} XXXX/XXXX  XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX  XXXX {$0.00} BANKRUPTCY XXXX DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Navient is incorrectly reporting loan lates. Forbearance/Deferrements were granted in the past, and on my credit reports, I am noticing late payments cited on the following months : XXXX - 90 days late ( Under Forbearance, no payment made, no prior lates noted and suddenly a 90 day late mark, loan was with XXXX XXXX ) XXXX - 120 days late ( Under Forebearance, note, no payment made, in forbearance status, inaccurate reporting, loan was with XXXX XXXX ) XXXX - 120 days late ( Under Forebearance, note, no payment made, in forbearance status, inaccurate reporting, loan was with XXXX XXXX ) XXXX - 120 days late ( Under Forebearance, note, no payment made, in forbearance status, inaccurate reporting, loan was with XXXX XXXX ) XXXX - XXXX - ( No reporting whatsoever, inaccurate reporting ) XXXX - 90 days late ( Under Forebearance, note, no payment made, in forbearance status, inaccurate reporting ) XXXX - 90 days late ( Under Forebearance, note, no payment made, in forbearance status, no prior lates reported, inaccurate reporting ) XXXX - 120 days late ( Under Forebearance, note no payment made, in forbearance status, inaccurate reporting ) XXXX - 150 days late ( Under Forebearance, note no payment made, in forbearance status, inaccurate reporting ) XXXX - 180 days late ( Under Forebearance, note no payment made, in forbearance status, inaccurate reporting ) XXXX - 180 days late ( Under Forebearance, note no payment made, in forbearance status, inaccurate reporting ) XXXX - 180 days late ( Under Forebearance, note no payment made, in forbearance status, inaccurate reporting ) XXXX - XXXX - No loans reported at all XXXX - 90 days late, In Loan Rehab - Inaccurate reporting XXXX - 120 days late, in loan rehab, inaccurate reporting XXXX - 150 days late, in loan rehab, inaccurate reporting XXXX - 180 days late, in loan rehab, inaccurate reporting XXXX - XXXX - Accurately reporting in rehab status XXXX - Present, no loan reporting, current in deferrment, enrolled in school, starting XXXX. Also, inaccurate reporting. 

Due to these countless inaccuracies, I have formally requested in writing from Navient to remove these late marks, and correct these marks that are causing me financial harm. I requested them to initially correct these errors, and was told they had not made any mistakes, and that the FCRA act denies them the ability to make these changes. This is factually incorrect, on multiple levels. 

Please assist me in recovery of the damage this has caused my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: Navient Solutions, LLC.
State: AL
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:
Hi, I first got my student loans through XXXX XXXX and later consolidated. My compliant regarding these loans is the fact that i have been making payments on my loans since XXXX and within the last several years almost nothing has been applied to the principle. I have a fixed interest rate and i do have a lower monthly payment. I recently, XXXX/XXXX/XXXX, spoke to a representative from Navient and she basically told me that if i continue to make my current monthly payment which i have now been doing for 7 years that for the rest of my life i will be continuing to make payments and my principle will never decrease. My balance when i originally started was {$26000.00} and my current balance is {$28000.00}. My current monthly payment is only {$50.00} less than my original payment. Why is it that when i paid {$50.00} more i was having anywhere for {$68.00} to {$90.00} being applied to my principle but now almost nothing is being applied. For the last 3 years out of all the payments i have made only {$280.00} has been applied to my principle. I just do n't understand why my payment can not be split to have at least a percentage get applied to my principle. I have had several loans throughout my life including a graduate student loan. However, this is the only loan i have been consistently making timely payments on and not have my principle decrease but to increase. What makes this even disappointing for me is that i called and talked to Navient and told them i specifically needed a repayment plan where i can make payments, because i want to pay my bills, and have my payment be applied to both principle and interest and i was guaranteed that my repayment option would do that. I 'm just getting really frustrated and honestly afraid because if do n't continue to pay Navient then my really really good credit score is going to become terrible which will hurt any and all of my opportunities of getting any type of future loan. I could also have my wages garnished which i seriously can not afford. If i continue to pay them there is no guarantee that my payment will be applied to my principle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I withdrew some crypto to my CoinBase account. It's left my other account, but it still hasn't shown up in my CoinBase account. It's been over 6 hours. I've sent multiple messages on multiple platforms, but I can not get anything besides an automated response. They tell me to submit my issue online and they will send me a Case ID number, but I've submitted four requests, and I have yet to receive a Case ID number.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
XXXX XXXX XXXX is a company I never heard of never done business with! I do n't recognize this account I cant find dates or balance available for my review.

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 2020-04-06
Company: Experian Information Solutions Inc.
State: PA
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:
On XX/XX/28, I leased a new vehicle from a XXXX dealer, ( XXXX XXXX ) and they used Experian as the credit agency their bank required. After some difficulty because I didn't know the password to Experian to unfreeze my report, the dealer successfully got what they needed, and the lease was completed. On my next credit card bill I noted and complained to XXXX XXXX about a charge for {$10.00} on the statement. Because it is so difficult to communicate with an Experian agent, I ultimately accepted that this must be a one time charge related to the report the leasing dealer needed. I wrote it off as another bad experience related to Experian, who, unlike XXXX XXXX and XXXX, constantly sends emails promoting their memberships, identity theft service and the like, to the degree that I blocked their emails. Today, I noted another charge for {$10.00} was pending on my credit card, and was successful in calling the company, talking to an agent and cancelling my " trial membership '' which I mentioned to the agent I had not requested or made. The agent XXXX XXXX? ) said she cancelled the " trial membership '' and made no effort to do anything further regarding the charges, but pitched some services and noted that my " membership '' was good until XX/XX/XXXX. She also noted that when the membership is cancelled, the lock on the account would be removed, although I asked and was assured the freeze on my credit report would remain. I plan to dispute the current pending charge when it gets posted, as I have already attempted to deal with the company. Although this is the kind of tactic many businesses use, I didn't expect it from a major credit reporting agency, although I now see they are among the most complained about businesses.

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 2021-10-29
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had {$16000.00} on my saving account. On XXXX XXXX Webster bank added the interest earned and it became {$16000.00}. 
On XXXX XXXX it is showing an unauthorized withdrawal of the full amount {$16000.00} to XXXX XXXX XXXXXXXX XXXX XXXX. 
I have been saving this money for 2 years I cant loose for an unauthorized withdrawal, the bank needs to have a better security system!

Company response to consumer: Closed with explanation