BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-28
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:
I have filed a dispute two times with Equifax about an error on my credit report, and two times they have claimed that the invalid debt is still active and on my account. I called XXXX XXXX to see why it was still on Equifax 's report, and they told me that the debt was invalid and had been cancelled and that all reporting agencies should reflect that in the report. Equifax continues to not do so, and I have attached an email from a customer care person from XXXX XXXX that states in plain writing that the debt is invalid and should be removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-26
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I recently discovered that there were multiple cards opened in my name via Comenity bank. All of these cards were opened as a result of a data breach. I contacted Comenity bank and they refused to investigate. I then filled out the identity theft affidavit as per federal guidelines. I also filled out a police report. I have submitted this information to the credit bureau and to Comenity. Comenity sends back form letters stating they have found nothing and they find my statement to be invalid.None of these accounts are open by me. All of this was done fraudulently via the Internet. My rights are being violated. I want these accounts removed from my credit report as they should be because they are fraud and identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-11
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Pursuant to the Fair Debt Collection Practices Act, I sent this company a request to validate a frivilous account they had reported on my account. The company responded refusing to provide any proof and persevered with reporting this frivolous account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have more than $ XXXX that is my life savings and it is not accessible to me. My account is 100 % locked down on a timeline that is far beyond what makes sense. 

I had a payment transfer on XX/XX/XXXX that got reversed from my bank but immediately processed a payment on XX/XX/XXXX for the amounts in question. They even have record of the successful payment. However, more than 10 days later, my account is still 100 % locked down. I am not able to access any of my own assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was working with " relationship manager '' to see what options, besides forclosure, we qualify for. We Qualified for a Short Sale or Cash for keys. After My wife and I received promotions and pay raises, my " manager '' recommended we resubmit for Modification. He told me if we did not qualify for Modification, we would still get the same XXXX offers ( Short sale etc ). I have since been working with an Authorized 3rd Party and have been reassigned to a new " manager ''. My Authorized Party has a direct contact with Ocwen ... I Have been sending in ALL items they have requested, and was told by 3rd Party my case is under review ... meanwhile, they have set a sale date for XX/XX/XXXX ( XXXX Weeks ). In addition, now my " manager '' will not respond back to my Authorized 3rd Party. According to her, They have everything they need ... she and I are very frustrated ... She ( XXXX party ) said they are not following procedure by not contacting her back and/or including her in this process. She recommended i file a complaint ... i have also had other situations with them. I have sent in multiple items such as pay stubs for myself and my wife, along with P & L statements for my self employment ... I had written letters of clarification for each of those items, only to find out XXXX weeks later, when i have a scheduled follow up call, that they need clarification on the items ... I would resubmit clarification, only to find out XXXX weeks later, they still need clarification ... .I have felt like they are just trying to make me give up and lose my home ... If this happened to less tenacious people they would have given up ... They have wasted time multiple times, when I do n't have time ... now I only have XXXX weeks left and they are playing this " not contacting my 3rd party '' game that could cost me my family 's home ...

Company response to consumer: Closed
Consumer complaint received 2015-07-15
Company: The CBE Group, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This number keeps calling me telling me that I owe {$290.00} for a XXXX bill. I do not have a gas bill in my name, and I have not. I asked for the address and they gave me an old address of mine. I verified with the person who lives at that address now and they have XXXX under their own name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
When I submitted payment over the phone after settling on an amount ( half of the fee ) they ran my card, however no money came out. I have tried multiple times to receive information on the debt via MAIL and they have not sent anything ( however they claim they have ). When I contact them, some representatives refuse to speak to me without giving them my social, while others know my information before I even have a chance to talk ( via phone number. ) I am very upset and am trying to settle my debt, however I am unsuccessful at doing so. I am even having trouble with the supposed company who controls the debt. The number listed on the website says they do n't actually have the debt, leaving me confused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-11
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I am XXXX. I asked for payments. They said no. 
I worked in XXXX 15 years and know the FDCPA, when to accept payments, and when to sue. They think I am ignorant of collection tactics and the FDCPA. I was XXXX by the State of California XXXX. I know the rules. 
1 ) NAVIENT said you were not in school XXXX XXXX to XXXX XXXX so no deferment. I said check XXXX I WAS ENROLLED. 
2 ) I graduated in XXXX XXXX and was already getting bills and default threats without time to try to find ANYONE who would hire someone with my XXXX, have time to start a business, or raise the money in other ways. 
3 ) I OFFERED to sign a contract Navient has online - I was told those applications are only for XXXX. 
4 ) If Navient defaults me, I can be sued. I can lose my apartment, other creditors will sue because Navient hits my assets. 
5 ) I cant get a job or another apartment because THEY CHECK CREDIT. 
6 ) I SAID I WANT TO PAY what fits my Social Security XXXX and can increase payments as I sell personal items. They said NO 7 ) They said they never got the doctor 's note I emailed them - the headers on emails do not lie, Navient does. Their representative kept me on the telephone until he verified they received the email and downloaded the PDF document of the doctor 's noted. I have the date, time, and person 's name from that ay on the phone AND HE gave me the email address of Navient 's XXXX advocate. 
8 ) I told Navient if I am unemployable, have a limited income, and rendered homeless, HOW CAN I PAY what they want when I COULD HAVE BEEN paying all along? 
9 ) Navient has never said, you can consolidate he private loans. I get MANY CALLS DAILY and US mail letters. I remember rules in the FDCPA about dunning and the amount of calls per day. Navient is an omnipotent entity - they feel they are except when it comes to the law, and they are woefully ignorant that SOME MONEY is better than NO money 10 ) although Social Security has affirmed I am XXXX, why does n't Navient think I am XXXX enough? They use XXXX to " determine '' who is an IS NOT XXXX? 
11 ) It is odd that collusion between Navient and XXXX insurance company is the acceptable format in deciding the extent of XXXX. 
12 ) Thee is NOTHING anyone can say or do because Navient has us by the throat - we do what THEY want, WHEN they want, or they will ruin our chance or employment via bad credit, ruin chances to rent an apartment vi bad credit, and NOT have to go bankrupt on all other creditors. 
13 ) Per credit and collection classes I had in XXXX, certain things creditors do force individuals into " an act of bankruptcy '' ( favoring XXXX creditor over another ) PLEASE HELP. I WANT to pay, Navient says NO, you can not. Why ca n't I consolidate the private loans and avoid dozens of phone calls per week and many hard copy mail duns per month? 
Thank you, A XXXX person according o doctors and Social Security

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : The following account/alleged debts are reported to my consumer report, I, the consumer did NOT give Equifax any written instruction to do so. This action is an infringement on my right to privacy, and each a violation of the Fair Credit Reporting Act. I have also included the law for the mentioned account showing I was the original creditor and no debt was/is owed to the alleged debt collector. 

Under 15 U.S.C. 1681b Permissible Purpose of Consumer Reports ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Under 15 U.S.C. 1681 Congressional Findings and Statement of Purpose ( a ) Accuracy and Fairness of Credit Reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for a consumers right to privacy. 

Under 15 U.S.C 1691a Definitions ; Rules of Construction ( d ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor. 
( e ) The Term creditor means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal or continuation of credit ; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit. 



As previously stated, I gave no consent to report this account or its balances to my consumer report, and no consent on my behalf is identity theft. A copy of these laws are included with this dispute letter. I am demanding a deletion of the account reported opened on XX/XX/2014, CLOSED AND CHARGED OFF

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: MARINER FINANCE, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call my cell phone from different numbers throughout the day everyday and my work phone. I had a message at work to call the guy from the actual company which tells my coworker where the call is from. Just today a girl called me from a cell phone and when I answered and realized who it was from I hung up. She called me back to back at least five times.

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 2016-03-14
Company: BB&T CORPORATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
BB & T should pay the penalties and interest of {$440.00}.

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 2021-03-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX was my previous cable provider : account number XXXX.The account was paid in full before transferring to XXXX.I never received anymore bills after my last payment of {$370.00} on XX/XX/2017. Recently, after multiple attempts to get the last bill, Just received a XXXX bill of {$170.00} for XXXX XXXX that I do not owe. There is an amount of {$250.00} on my Experian credit report that Ido not owe negating my credit report. I would kindly like this information be deleted from 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 non-monetary relief
Consumer complaint received 2018-06-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I tried to make a payment for my Wells Fargo credit card but the website did not allow me to add the payment account and gave " account already exist ''. Though I have not added any account in past and my credit card itself was just 3 weeks old.

When I contacted their support, the rep said this has been reported to " TECH '' and will be worked out soon.

On XX/XX/XXXX I tried again and got the same error, and after calling to Wells Fargo got the same response that this has been reported to " TECH '' and will be worked out soon.

Today XX/XX/XXXX I tried again and got the same error " account already exist '' and due to this I can not make payment and Wells Fargo is not allowing me to make a payment and seems will put charges on my account due to non-payment.

I request CFPB to write and instruct Wells Fargo to provide a resolution and also not applying the non-payment charges to my account.

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 2017-01-11
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I opened an account with TD Bank in XXXX of last year with a {$100.00} deposit. I was told that as long as I maintained a balance of {$100.00}, I would not be charged any fees. I recently received a letter stating that my account was in collections even though I never withdrew any money from the account. I visited a local bank branch to ask what happened and the representative stated that I received paper statements for which they bank charged me $ XXXX, and once my account dropped below {$100.00}, they charged me $ XXXX for the account. First and most importantly, I registered for online banking over the phone with an agent immediately after opening the account since I 'm a digital-first customer and ca n't stand paper statements. Second, I was never told that the bank would charge me a fee for paper statements. In fact, I was told I would n't be charged ANY fees as long as I kept a balance of {$100.00} or more in the account. My account has been closed and I received {$35.00} back, as the representative would n't provide a full {$100.00} account credit. I expect to receive the additional {$65.00} along with compensation for my time and frustration.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-31
Company: First Associates Loan Servicing LLC
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I have chosen a XXXX XXXX XXXX school in the town of XXXX XXXX, at XXXX, for my XXXX, they promised me and gave me a wrong information dramatically, just, only Federal loans will cover your two years of XXXX, they came to me one fine morning, they have asked me to sign a form to raise more private student loan by way of raising loan only your entire two year student cost 's will be covered apart from the Federal student loan, i could not do anything at that, since i have already started my classes in the middle of the semester, i was trapped and forced to sign that private student loan application form which was given to me by XXXX XXXX finance office, by way of raising the private student loan from XXXX XXXX XXXX XXXX to cover my student costs. I was not able to find an appropriate employment in my filed, and i am single parent / single father and raising my XXXX year old child, and now i am Haunted and constantly harassed by the collection agency called XXXX /First Associates of Loan servicing and a collection agency for the ( XXXX XXXX XXXX ) XXXX from California constantly making the harassment to make the payments. which i am struggling and surviving by way of pay check to pay check to protect my child and my self. XXXX XXXX IS A MAJOR SCHOOL FOR PROFIT AND TOTALLY A FRAUD INSTITUTION AND THEIR CREDITS ARE NOT TRANSFERABLE ANYWHERE THAT CAUSED A SERIOUS PSYCHOLOGICAL AND EMOTIONAL PAIN IN MY MIND AND ALSO IN THE MINDS OF MANY STUDENTS TOO. TOTAL DECEPTIONS AND EXTREME HARDSHIP. 
XXXX XXXX, XXXX XXXX,

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
They said the bankruptcy on my report is accurate. There are no proofs that the court verifies it. I am asking for a documentation from the court not third party. I have a documentation from the court that says that they don't report to credit reporting agency. Then how it is verified.

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 2022-04-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX was opened by fraudsters using my personal data on XX/XX/2021 in the amount of {$16000.00}. 

I have tried several times to resolve this matter with the credit bureaus and the creditor itself. They XXXX XXXX XXXX XXXX XXXX XXXX tell me to either speak to another company or to take other steps that have bene already provided. 

I have sent government documents from the Federal Trade Commission. No effort was conducting in removing the fraudulent items.

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 2021-03-22
Company: WELLS FARGO & COMPANY
State: MN
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:
XXXX XXXX is reporting a negative account against me that they fail to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. XXXX wont send any documents, bearing my signature, showing that I have a legally binding contractual agreement/obligation to pay them for the alleged charge off account. XXXX XXXX XXXX have already removed this account from my credit for Violations against the Fair Credit Reporting Act. XXXX XXXX also didnt furnish the credit bureaus with the required disclosure, within the period required by law. They are required by law to place a notice of dispute on my account within 30 days of my dispute, which you signed for XX/XX/2021. I have retained a copy of their signature and date of receipt, as well as time stamps of my credit reports showing that you violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act 807 ( 8 ) by not placing the disclosure within the required 30 day period. Im requesting XXXX XXXX to delete this account off of my credit reports for good for violations against the Fair Debt Collection Practices Act.

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