BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-12
Company: AES/PHEAA
State: CT
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:
In addition to the issue that I named in my last complaint, Fed Loan Servicing has failed to list my most recent approved employment ( a certification form which it received on XX/XX/XXXX. ) I have attached the inaccurate qualifying payment count letter I received on XX/XX/XXXX, the letter on XX/XX/XXXX indicating receipt of my certification form, as well as a copy of the certification form ( please note the copy I attached does not have my signature but the one I mailed and that was received by Fed Loan Servicing does ).

To update my qualifying payments to the correct and accurate number of over 90, including updating my approved employment time for the job in question/ certification form from XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/2021, I sent a letter regarding in accurate and unknown things on my credit report. 

To this day exactly 60 days later I have not received a response yet. 

I feel like Ive been taken advantage of and me and ignored on my dispute. 

Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days give a reason to immediately remove those items from my current point and it has been at least 60 days and should we delete it properly.

I demand these accounts be deleted immediately or I will file litigations due to the stress you caused me.

My information was also impacted by Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: Experian Information Solutions Inc.
State: LA
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 have written four letters disputing XXXX XXXX XXXX from Experian and XXXX. I received letters stating that they updated the information. After the 3rd and 4th letter, there was a longer delay in getting a response. The delay took longer than 32 days.

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 2019-03-21
Company: AMERICAN EXPRESS COMPANY
State: MI
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:
THIS IS IN REGARD TO AMERICAN EXPRESS ACCOUNT # XXXX THAT WAS OPENED ON XX/XX/XXXX AND LAST REPORTED ON XX/XX/XXXX THAT IS SHOWING AN AMOUNT PAST DUE AND CHARGED OFF OF USD XXXX. WHEN I HANDED THE ACCOUNT OVER TO THE XXXX XXXX XXXX ASSIGNED CONSERVATOR, THE ACCOUNT HAD A XXXX BALANCE AND I HAVE NO IDEA WHO MADE CHARGES ON THE ACCOUNT ACCRUING TO USD XXXX OR IF THESE WERE THE RESULT OF ANNUAL FEES FOR THE AMERICAN EXPRESS PRODUCT. 

IN ANY CASE, I HAD NO ACCESS TO THIS ACCOUNT AFTER MR. XXXX XXXX FORWARDED ALL MY MAIL AND ANY REPLACEMENT CARDS SENT TO HIS OFFICE AT XXXX XXXX XXXX XXXX, XXXX MI XXXX AND SAID HE HAD CANCELLED OFF ALL MY CREDIT CARD ACCOUNTS AND SEIZED MY BANK ACCOUNTS. 

I WARNED THE AMERICAN EXPRESS REPRESENTATIVE I SPOKE WITH THAT THIS CARD COULD POSSIBLY BE ONE OF THE CARDS IN MY CAR THAT WAS AUCTIONED OFF AND THE REPRESENTATIVE INFORMED ME THAT NEW CARDS WILL BE RE-ISSUED AND THAT I AM NOT LIABLE OR RESPONSIBLE FOR CHARGES THAT I DID NOT MAKE OR ARISE FROM FRAUD. 

I HAVE NO WAY OF TELLING WHETHER THE BALANCE IS ACCURATE OR WHETHER THOSE CHARGES WERE MADE BY SOMEONE OTHER THAN MYSELF, FOR INSTANCE MR. XXXX XXXX AS ALL THE STATEMENTS GOT FORWARDED TO HIS OFFICE AND I WAS NOT ALLOWED TO VIEW THEM. 

I DO REMEMBER THAT THE FIRST THING I DID AFTER GETTING OUT OF THE HOSPITAL WAS TO MAKE PAYMENTS ON ALL MY CREDIT AND CHARGE CARDS FOR FEAR THEY WERE 1 MONTH LATE AND MIGHT AFFECT MY CREDIT HISTORY AND I USUALLY PAY ALL MY CARDS IN FULL EVERY MONTH AS SHOWN IN MY CREDIT HISTORY AND SO I AM NOT SURE WHY THERE IS A USD XXXX BALANCE ON THIS CARD AND IF THEY WERE DUE TO ANNUAL FEES OR CHARGES MADE FRAUDULENTLY OR BY MR. XXXX. 

IN ANY CASE, THE AMERICAN EXPRESS REPRESENTATIVE SAID I WILL NOT BE LIABLE OR HELD RESPONSIBLE FOR CHARGES NOT AUTHORIZED BY ME INCLUDING FRAUDULENT CHARGES AND YET THESE CHARGED AMOUNTS ARE APPEARING ON MY CREDIT HISTORY AND RECORD EVEN AFTER I TOLD THE REPRESENTATIVE THAT SOMEONE CHANGED THE ACCOUNT ADDRESS AND I AM NO LONGER IN CONTROL OR POSSESSION OF THE AMEX CARD. 

AS SUCH, I COULD NOT POSSIBLY HAVE MADE THE CHARGES THAT ACCRUE TO USD XXXX SINCE I LOST ACCESS TO THE ACCOUNT UPON MR. XXXX XXXX TAKING OVER SOMETIME IN XX/XX/XXXX. 

AS SUCH, PLEASE REMOVE THE PERIOD THAT I AM NOT RESPONSIBLE FOR THE ACCOUNT AND THE NEGATIVE ITEMS OFF MY CREDIT HISTORY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Credit Karma, LLC
State: FL
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: Received unwanted marketing or advertising

Complaint:
i first signed up for credit karma about 10 years or so ago, hoping to moniter my credit. 
over the last three or four years i kept getting pre-qualifying offers that said there would not be any harm to my credit file and now i have so hard inquires on my report i am not able to get a loan to buy a house that i have been trying to purchase. 
even after i asked not to receive anymore i do, and they will not remove any 0f the hard inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: Rausch Sturm LLP
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/2021, Rausch Sturm LLP sent a letter to me stating that I owe an alleged debt. After reviewing the letter from them, I noticed Rausch Sturm LLP has violated many of my consumer rights. Pursuant to 15 U.S.C. 1692e ( 3 ) Congress states " a debt collector may not use the false representation or implication that any individual is an attorney or that any communication is from an attorney. '' Also, pursuant to 15 U.S.C. 1692c ( a ) Congress says " without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector MAY NOT communicate with a consumer in connection with the collection of any debt. '' I never gave consent to Rausch Sturm LLP to communicate with me over an alleged debt. Since I did not give consent, that means Rausch Sturm LLP has obtained my private information illegally. This is a total breach of my privacy and is equal to Identity Theft. Below, I have attached a response demanding them to Cease and Desist from all communication with me pursuant to 15 U.S.C. 1692c ( c )

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 2017-06-14
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have been in contact with experian numerous time about errors on my report. I have done all their steps to get issue resolved however every time i call, i speak with a different person who providers different information.The are a numerous inquiries on my report that was not authorized by me and when i tried to reach the companies they can not locate me either. The companies   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 2022-09-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am disappointed by the actions taken by the Credit Reporting Agencies and continued reporting the disputed accounts without providing me copies of proof of verification for the accounts the Credit Bureaus claim as verified. I conducted a research with my Credit Report and noticed that : 1 ) there are accounts reporting late payments on my Credit Report even though it is clear that I never missed a payment ; 2 ) there are closed accounts reporting late payments even though the accounts are closed and the balance is 0 ; 3 ) charge off accounts reporting balance or accounts reporting even without my knowledge ; and 4 ) there are accounts reporting on some Credit Bureaus even though it was deleted from the other Credit Bureaus. I am submitting this CFPB Complaint to request that the accounts be corrected and or deleted : XXXX XXXX XXXXXXXX XXXX XXXX Owed : {$6600.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$23000.00} DEPTEDXXXX XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance XXXX : {$2400.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
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/2022 I went online to Bank of America ( BAC ) to pay 2 credit cards I have with that company, a Visa, and a XXXX. 

I scheduled two payments, $ XXXX to XXXX, and $ XXXX to XXXX. I have more than one bank set up to pay my bills. In error, I selected the wrong bank, XXXX, in setting up the payments, which didn't have the necessary funds. 

I discovered the error on XX/XX/2022, finding the payments credited to BAC, but XXXX seriously overdrawn almost $ XXXX. I contacted both XXXX bank and BAC immediately, finding it extremely difficult to speak to a live agent. Finally, I spoke to each party, both explaining what happened and asking for assistence in how to proceed. Customer service from both companies was terrible, especially BAC. The latter informed me that a second attempt would be made to process the payment and that there was nothing to do but " let the process play itself out ''. I immediately went to XXXX and deposited $ XXXX to cover the overdraft. 

On XX/XX/2022, XXXX sent emails regarding the lack of funds and I quote : " This payment is still due to the Pay To account. Please deposit adequate money in your Pay From account and reschedule this payment using XXXX XXXX or make the payment using an alternative method. '' I assumed that BAC wanted me to reschedule the payments and that they were not going to automatically process them a second time. So on that date I went to their website and rescheduled the payments in the same amounts as I did before. 

On XX/XX/2022, XXXX again withdrew $ XXXX from XXXX, and I thought the mistake was resolved. To my horror, on XX/XX/2022, they withdrew another $ XXXX total, again overdrawing my account. 

I contacted BAC and the agent refused to reverse the transaction. It was ridiculous... ..my XXXX actually had a credit in the amount of $ XXXX! 

I have racked up overdraft fees from XXXX in an amount now totalling {$140.00}, and this is not the last of it. I did open a case or claim with Citizens to look into the matter, but I am not aware nor have I been notified that anything has been done. 

I am extremely upset that neither institution was able to stop a very unfortunate mistake from turning into a nightmare. I have been bounced back and forth between the two companies by their " customer service '' agents, who have not taken any actions whatsoever to halt this cascade of horrors. 

It seems that in this digital age we have lost something very important, human compassion and instead must become the victims of computer transactions.

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 2019-03-26
Company: LDF Holdings, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
A lady named XXXX XXXX keeps calling my cell phone and work phone number leaving messages. Saying she has a warrant for my arrest. XXXX. She is with XXXX XXXX XXXX. There number is XXXX. Original debt was with Bridge Solutions. Now they bought the debt I only owe {$70.00} now this company is saying {$2200.00}. The original loan was {$250.00}. They keep calling my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have a Coinbase account that I am trying to close. I can not close it from within the app. They have no customer care number, just a website that allows you to submit a ticket. I have submitted two tickets over seven days and they have not responded other than a generic statement on their website ( see attached ). 

I can't access my account from a desktop computer because I need to verify my account through XXXX  and email. I can verify through XXXX  but the second step isn't working. They're supposed to email me a link that I can click but the emails never come ... and yes, I checked my spam folder and other filters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I received copy of my credit report and noticed fraudulent accounts. this is stopping my from obtaining credit.

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 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I submitted a factual dispute, based on information contained in my Transunion and XXXX credit reports. 

The entities are required to conduct independent investigations that would correct, update or delete based on the investigation. I also repeatedly asked XXXX XXXX to remit correct and complete payment history. They have not responded to my request. 

None of these business honored my requests. In fact, my dispute request has been sent back as verified and " updated '' with the same inaccurate missing information. 

The missing payment history has created a situation whereby the account has a complete negative status, therefore significantly reducing my credit score for years. 

I do not understand why the credit bureaus and XXXX believe that, after a consumer lawfully disputes inaccurate information, it is within their right to maintain the inaccuracy noting it as " verified '' and " updated ''.

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 2022-09-08
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:
This is my 10th CFPB complaint submitted regarding the removal of the fraudulent accounts and information being reported on my Credit File. I was a victim of identity theft and that my Personal Information was stolen and used to open these items without my knowledge. I never received any benefits as a result of my identity being stolen. Under the Fair Credit reporting Act section 605b, The Credit Bureaus are required to remove these items from my Credit report and provide any proof of verification if they claim that the items belong under my name. I am submitting this CFPB Complaint to request the Credit Bureaus to please remove the disputed account completely from my Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$100.00}. The Credit Bureaus ' willful non-compliance with the FCRA statute is a clear violation of a consumer 's rights. If the Credit Bureaus claim that the dispute accounts and information belong under my name, I need the Credit Bureaus to please provide me copies of proof of verification to prove their claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2021-09-24
Company: ALLY FINANCIAL INC.
State: DC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
When I applied for an Ally loan online on XX/XX/XXXX, I filled out the application form from their site : XXXX XXXX XXXX. The form stated : " What you should know : To comply with card network rules, we cant process payments from borrowers using a credit card beginning on XX/XX/XXXX. '' When I was approved for the loan, I emailed Ally customer care consultant on XX/XX/XXXX and asked if credit card payments can be made by XX/XX/XXXX. The customer representative confirmed credit cards are accepted for full payment and said to just call Ally before XXXX XXXX to make the payment. On XX/XX/XXXX, I called Ally billing to make the payment, but they refused even though I mentioned their website application stated the above quotation, ie. credit card payment by XXXX XXXX deadline. I logged onto Ally 's online account, which had a credit card selection that was disabled. I even emailed the billing agent the email conversation with Ally customer support from XX/XX/XXXX. They took down my phone number and said they would try to call back in 72 hours but they could not provide an answer to why their website application had the XXXX XXXX credit card payment option, but refused to accept payment when I called as instructed by Ally customer care.

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 2017-09-03
Company: Comerica
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I found out my blalance was at XXXX when I tried to grab some food, I logged into my account and found out there were purchases made at a XXXX XXXX in two different cities than the one I live in, it was made a few hours after I bought breakfast for myself. I tried for 10+ hours to talk to someone only to be disconnected by a automatic message saying to call back due to heavy call volume, I have bills to pay and a child to feed and losing XXXX dollars due to scammers is heartbreaking. I 've tried to call to report it and I have no luck. The unauthorized purchases took place on XX/XX/XXXX between XXXX to XXXX XXXX

Company response to consumer: Closed with explanation