BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-24
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Confusing or misleading advertising or marketing

Complaint:
I have contacted my credit card issuer XXXX XXXX, along with the federal trade commission, and PayPal to notify them of a fraudulent transaction that I tried to work out with the merchant XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I purchased a online real estate course that and XXXX  coaching which I was not rendered. After months of reaching out to XXXX XXXX via email and phone I realized that I was scammed. The advertising was misleading all to get my {$2900.00}. XXXX did not return phone calls, meet the standards she set in the invoice nor give me a completed course. I contacted her a final time via email attached below before reaching out to other avenues for help to get a refund from PayPal for {$2900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: EQUIFAX, INC.
State: NY
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
EXPERIAN is reporting transactions and experiences on my consumer report which include late payments, Past due amount, Original balance, Monthly payment, Terms, balance, credit limit and monthly payment from the following company : XXXX XXXX  Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) transactions or experiences are not to be reported on a consumer report and pursuant to 15 U.S. Code 1666b a payment on a credit card account under an open end consumer credit plan is not to be treated as late for any purpose. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. This company and their inaccurate reporting have damaged my livelihood.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
During XX/XX/2022, I invested money on Coinbase for buying cryptocurrency, but several days later when I am trying to withdraw my balance, my account was blocked. Since XXXX until now, I have tried more than XXXX times connect with customer service to solve this problem. All of the assistant told me that their official XXXX team will contact me via email, cuz they said that I can't use my account for buying and selling cryptocurrency anymore but I can transfer my balance to another address. Yesterday, I only got XXXX emails from XXXX team ; first XXXX was telling me that they are still reviewing my account, and I can try to withdraw my balance, when I tried again, my account was still locked. the second email was a survey, whether the problem was solved or not. I am so upset with Coinbase for playing pingpang ball with my question. When I contact their customer service again, its always repeat the same conversation. Their official supporting team didn't do anything helpful with my concern. There are XXXX ETH approximately XXXX dollars in my account. Thats all the money I have, I need to pay the rent, mortgage and live spending. If Coinbase still ignore my concern, its stealing my money, its a hard time for me. Hopefully my concern will be solved when you receive my comments. Please save me! I am still waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XXXX Had issues with wells Fargo overdraft fees and over charging my account when I had an account with them and also issues with identity theft and they never took care of it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681 ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is equifax did not modify or removed anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports Which is a violation. This is impacting me from moving forward to buy a second car for my family. 
I attach my previous credit report and my new credit report to show how Equifax violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: EQUIFAX, INC.
State: LA
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:
Complaint number XXXX, XXXX. I previously submitted a CFPB complaint on XX/XX/22 and I have not gotten any correspondence back from XXXX as it pertains to the investigation results. This causing me to suffer financially as I am not able to get financing and or favorable interest rates. This account is reporting inaccurately and is in violation of my consumer rights. The following company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX Acct # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. I have been emailed several times about payments and payment arrangements from this company. After reading 15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Acct number are not the same on all 3 CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Date Opened not the same on all 3 CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Date last active not the same on all 3 CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Account is charged off but still reporting a past due balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Uplift, Inc
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I'm preparing to purchase a home, and I received a copy of my credit report. I noticed an account from Uplift INC, Account number XXXX, and In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. In accordance with Fair Credit Reporting Act, this creditor, Uplift INC, Account Number XXXX, has violated my rights. Under [ 15 U.S.C. 1681 ], Section 602 states that I have a right to privacy. [ 15 U.S.C. 1681 Section 604A Section 2 : further states that a consumer reporting agency can not furnish an account without my written instructions. [ 15 U.S.C. 1666B ] states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. For the reasons stated above, I request the late payments be removed from my consumer credit reports, all three credit reporting agencies ; XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Fay Servicing, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX our payment was sent to Fay Servicing LLC thru auto pay by our financial institution for the XXXX payment and per phone call on XX/XX/XXXX this payment had not been applied to our account. Per statement received on XX/XX/XXXX the payment was still not applied and showing an amount due for XX/XX/XXXX of XXXX with no explanation due as to why the increase. Per phone call to Fay Servicing today XX/XX/XXXX I was told the extra XXXX was the daily accrued interest was added because my XXXX payment was not applied until XX/XX/XXXX even though the payment was in their possession on XX/XX/XXXX. On XX/XX/XXXX I went into their website and paid the XXXX what I thought was a short amount of payment thinking new payment amount was going to be XXXX so I believe I am entitled to a refund of the XXXX as the payment not applied for XXXX was their fault not mine as they have not applied my payment as they have had it. The lady I was talking to was hard to understand and she hung up on me. This is 2 months in a row they have been screwing me over and is unacceptable as my interest rate has not changed since they have had my account since XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Experian Information Solutions Inc.
State: PA
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:
i sent a letter out XXXX XXXX to Experian, XXXX, XXXX and the XXXX. Here is my tracking XXXX, XXXX. However, its been more than 30 days and the credit bureaus and creditor failed to send my investigation back. This is not making any sense. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I previously opened a complaint that was closedXXXX, however the Loan servicer still has not fixed the account. 
Loan was transferred to Lakeview Loan Servicing XX/XX/XXXX. 
Payment was made to XXXX on XX/XX/XXXX and transferred to Lakeview Loan Servicing in amount of {$3200.00} Payment to Lakeview Loan Servicing XX/XX/XXXX for {$1700.00} Payment to Lakeview Loan Servicing XX/XX/XXXX for {$1700.00} Next due date was XX/XX/XXXX for {$3200.00} paid by previous two payments with an overage of {$100.00} to go as Principal only payment. 
Payment to Lakeview Loan Servicing XX/XX/XXXX for {$1700.00} Payment to Lakeview Loan Servicing XX/XX/XXXX for {$1700.00} Next due date was XX/XX/XXXX for {$3200.00} paid by previous two payments with an overage of {$100.00} to go as Principal only payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: Grow Credit Inc
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:
Grow Credit advised they would remove negative data from my credit report consisting of a late payment. 

Since then, I now have XXXX late reportings from them on my report which is not true! I disputed this with the credit bureaus and they validated it which doesnt make sense because I wasnt late twice ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Its weird someone deposited checks into my account then took all my Money out I called Wells Fargo and they where like okay give us 10 days and will return your money its been more than a week and my money hasnt arrived for nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: SUNCOAST CREDIT UNION
State: WI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Opened checking and savings accounts on XXXX XXXX at Suncoast Credit Union, XXXX ID ( XXXX ) in anticipation of job transfer. Tried several times to access account ( XXXX ) on line and received message.. unable to access account XXXX notified. On XXXX XXXX I contacted Sun XXXX XXXX and was told account was closed due to Identity theft. I asked for further explanation and asked why I was not notified and received no answer. I asked where the funds are that were in the account and again received no answer. This is nothing less than fraud! I will await conclusion of your investigation, and XXXX XXXX ( XXXX ) to be begin legal action. At your request I will provide proof of money transfer from XXXX XXXX to Suncoast Credit Union.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Nelnet, Inc.
State: FL
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:
XXXX points was deducted on XX/XX/2023. According to Nelnet, they have updated records which shows that I am up-to-date. However, the credit report still removed XXXX points which needs to be corrected because its not accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Upon checking my credit report there had been an initiation of a credit card account that I did not process, recognize, or Authorize. 

XXXX XXXX XXXXXXXX XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
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: Account information incorrect

Complaint:
XXXX XXXX XXXX is furnishing inaccurate information to my Equifax credit file. Collection account XXXX. XXXX is reporting XX/XX/XXXX for date last active while Equifax is reporting XX/XX/XXXX for date last active. Due to inaccuracies I want the account deleted for violating the FCRA. My proof is directly from my credit report that shows the violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I consolidated two loans to recover from default during unemployment and was offered an income based repayment plan in XXXX. I consolidated XXXX XXXXXXXX XXXX and XXXX  XXXX XXXX  loans and my payment was XXXX XXXX. The next year I went tor recertify. I was making approximately $ XXXX. and they tried to make me pay $ XXXX. I asked, begged and pleaded for a lower payment and it was not granted. I even asked what would happen if I paid a lower amount thsn what was required. They said my only option was to pay that amount, so I had no choice but to default a second time. 

It took me until XXXX to make enough to afford that. I called and spoke to a rep named XXXX XXXX in XXXX XXXX. XXXX. She told me that she saw my call in the records where I asked for a reassessment of my monthly payment amount and that I qualified for a repayment amount less than $ XXXX. based on my income at the time. She helped me file a complaint with PHEAA, but no one has taken responsibility for the issue. I would have been able to afford that amount and would not have defaulted. This has caused me an addtional $ XXXX in collections and additional financial hardship. I would be wage garnished if not for the COVID  moratorium, and no one cares that my financial life has been ruined as a result of me not being given the opportunity for a more reasonable payment that I qualified for. Now I am ineligible for XXXX XXXX. I have to consolidate again. My loan is even more expensive, and I can not qualify for rental or home ownership because of this. When I call to try and address my loans, people are rude and condescending. When I tried to get a better understanding on a recent call, I was told, " It doesn't matter if you don't like it. That's the way it is. '' I have lost all trust in this company and feel like I am being forced to negotiate with XXXX XXXX. 

When I submitted the complaint I was told it would be added to my PHEAA account notes but nothing would be done to rectify the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I had personal data stolen from my trailer in Oregon. Someone is trying open credit in my name. I have put a freeze on my credit. I called capitol one and XXXX XXXX XXXXXXXX. Capitol one said someone applied for a card. Capitol one has canceled denied the request for the card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/2022, I requested a re-investigation with " EQUIFAX INFORMATION SERVICES LLC '' on the alleged accounts on my consumer reports. I Challenged these same accounts with " EQUIFAX INFORMATION SERVICES LLC '' and they stated all accounts had been " verified, complete and accurate '' on my consumer report. I also still requested the " METHOD OF VERIFICATION '' with " EQUIFAX INFORMATION SERVICES LLC '' with no response or information on this matter. 


15 USC 1681e ( b ) Compliance and procedures

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I pulled my credit report and I noticed the account SMALL BUSINESS ADMIN/ SBA XXXX. It is listed as a charge off. According to the IRS publication a charge off is a certificate of indebrness. A Charge off is income and you don't report income on a credit report nor did I receive a 1099C from the SBA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18
Company: Galaxy Capital Acquisitions, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am filing this complaint pursuant to : 12CFR 1006.34 ( d ) ( 2 ), 12 CFR 1006. ( 1 ) ( 8 ) ( e ) and the Fair Debt Collection Practices Act 809 ( a ).

Prior to receiving the attached collection letter from XXXX XXXX XXXXXXXX  dated XX/XX/2023... .I had never heard of or from this collection agency before. No initial communication from them whatsoever. 

I have never spoken to anyone from this collection agency, or any other agency affiliated with this collection agency, to include, ( GALAXY INTERNATIONAL PURCHASING , LLC, by phone, US mail or email, regarding the alleged debt that they are attempting to collect. However, they sent the attached settlement letter without sending me a MODEL B-1 validation notice or notice to dispute, which are violations of the FDCPA. 

There are several FDCPA violations involved in this matter, which is why I pray that the CFPB will investigate.

Company response to consumer: Closed with explanation