BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-29
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2021 from XXXX till XXXX XXXX, I was the victim of a multi-level fraud operation organized by hackers whose software somehow got onto my device ( laptop ) and the last time I logged into my Coinbase account, money first tried to be transferred in the full amount of approximately XXXX USD in the form of BTC, Dogecoin and Cardano cryptocurrencies. After Coinbase withdrew this transfer, the funds started transferring XXXX USD each for half an hour until there were no funds left in my account. In addition, the scammers withdrew approximately XXXX USD of the credit funds you provide to customers and your company requested me to return them, after which my account was blocked by you. I had nothing to do with this scheme, I was the victim of a hacker attack. Two-factor verification was not requested during the transfers to confirm them. I still have proof on my device, moreover, I have sent several requests to the FBI for investigation and my case is pending. The equivalent of XXXX ADA, XXXX DOGE  and XXXX BTC was transferred from my wallet utilizing your services. Please take notice that my funds were transferred without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: TRANSWORLD SYSTEMS INC
State: AL
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:
I entered in to a contract with XXXX in 2012 for a home security system. The contract stated that if I moved to a new location where an XXXX system could not be installed, the contract would be void and no funds owed. I moved to an apartment complex that did not allow XXXX systems. I notified XXXX, repeatedly, but they continued ( and continue ) to attempt to collect the debt - in spite of the fact that their representatives have assured me no funds are due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I uploaded a letter to Experian from XXXX and XXXX. The letter stated that an inquiry from them would be removed and it is still on my report. I called and spoke with a supervisor XXXX who refused to removed the inquiry even with the proof that I uploaded. I have uploaded the letter for your 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 non-monetary relief
Consumer complaint received 2021-09-29
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Today I called the Department of Education/Nelnet to ask about why I have three months of late payments. I spoke to two supervisors to find out why did this happen on my XXXX account for the months of XXXX, XXXX, and XXXX when I filled out my application in XXXX the beginning of the year! Yet I was told that they received my application but they claimed they sent me other records of things that I needed to do but I did not receive any of the records they are speaking of. I asked what address did they send those documents to and they did not have an address on file, in fact they said the documents that they sent returned back to them. So when I sent my application in with address on it then why did they not have my address on file They are lying about sending documents to me. Then the supersivor stated that the only way they could remove the those three months of late payments was if I had cancer or in the military or in school.This is not fair for when they said they sent something when they can not even tell me what address they had on file. Nelnet have violated the Fair Credit Reporting ACT and damaged my credit score. I will be taking legal action soon for {$1000.00} per violation.

1. Please show me proof of my address 2. Please show me what documents you are stating that you did not receive with my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: ERC
State: TN
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:
XXXX has put a collection on my credit report that was not mine. I contacted them and had it removed. Now the phone calls have started again for this collection that is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-29
Company: 2288984 Ontario Inc.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
When I applied for this loan, it was not disclosed to me that my loan balance would increase. I was not made aware of this. I will not repay this loan back because the balance continues to increase. Please help me thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: TN
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:
In accordance with the Fair Credit Reporting Act the Department of EducationXXXX Account XXXX XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy. 

15 US C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2015-09-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Incorrectly reported payments and lates. Then wrote the issue off once I paid the loan completely off to avoid further mistakes. Payments were made on time and for more then the monthly required payment. Because payments were made in the branch, they were applied incorrectly and no problem was ever advised to me as the consumer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-29
Company: Fidelity National Information Services, Inc. (FNIS)
State: TN
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:
Upon checking my checsystem report I noticed I have serval fraudulent inquiries on my 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 explanation
Consumer complaint received 2021-09-29
Company: Security Credit Services, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. They dont respond to my disputes and keep verifying this fraud to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: MARINER FINANCE, LLC
State: OK
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:
On XX/XX/XXXX I looked at my credit report due to my bank account had a fraudulent check that was trying to be posted. Upon review I noticed that there were recent hard inquiries that were applied to my credit report that I did not recognize. Dates are as Follow. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, all inquiries not attached to a live account for the date XX/XX/XXXX, and the fraudulent attempts was reposted by all XXXX credit Bureau XXXX XXXX, XXXX, and XXXX ). I show XXXX has XXXXfraudulent reports, XXXX has XXXX, and XXXX XXXX. I SPOKE WITH the companies about the inquiries and was advised there was nothing they could do. I would have to Dispute the changes to my credit with the XXXX XXXX. I now and in the future will only accept live inquiries posted to my credit report. I have always declined any services that would not follow the state Bank terms & conditions regarding the double-dipping policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I disputed an account which had reached the retention time and it was deleted. However, after a while I suddenly saw they placed it back and not only that they even changed the delinquency date to very current.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: U.S. BANCORP
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I was at the end of my lease and after paying it on time for 4 years while I went through a bankruptcy which I never included with US Bank and my XXXX XXXX XXXX lease. I started my lease in XX/XX/XXXX and when I went through the buying process I was advised that in the last 4 years they never reported my on time payments to any of the credit agencies. I spoke with US Bank and they informed me in XXXX that they decided if there was a bankruptcy filed by the consumer they would no longer report to the credit agencies. I am fighting this because first my lease started before they made that change and also feel that it is unfair that my payments were always on time even while it was being reaffirmed and was discharged that I paid on this vehicle and never was shown when I did the loan to buy it out. I went through a tough time but I never did not pay it on time and full payments.

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 2022-05-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against PORTFOLIO RECOVERY ASSOCIATES for committing identity theft. I have never given PORTFOLIO RECOVERY ASSOCIATES any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have never received any type of documentation requesting validation from PORTFOLIO RECOVERY ASSOCIATES before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If PORTFOLIO RECOVERY ASSOCIATES can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 


I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until PORTFOLIO RECOVERY ASSOCIATES can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and PORTFOLIO RECOVERY ASSOCIATES continues its collection efforts, I will file for litigation for actual damages caused and PORTFOLIO RECOVERY ASSOCIATES will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
No explanation for closed accounts showing as current, but my credit report states that there are insufficient accounts being paid on time. There are too many metrics by which credit worthiness is measured, and none are truly transparent. I have one derogatory report on my credit report that is part of a cosigned loan that was defaulted on by the other party and is now currently being paid to a third party. I have no other loans or financial agreements that have not been paid and don't see a report of them on my credit report. All three show 25 accounts with 24 being current and 1 being derogatory. 8 currently open and current, 16 currently closed and current, and 1 being reported as derogatory. A lot of the closed accounts where purely do to new cards being issued because of fraudulent activity or data compromisation and nothing else.

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 2015-09-16
Company: BQ & Associates, P.C., L.L.O.
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XX/XX/2015 I began receiving " You 're being sued, hire us '' letters in the mail. They said I was being sued by XXXX XXXX XXXX who hired Brumbaugh and Quandahl P.C ( XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX, XXXX ) to sue me for the alleged debt. I was served on XX/XX/2015 by the constable. The summons stated XXXX XXXX XXXX as the creditor and Brumbaugh and Quandahl is the law firm suing on their behalf. The amount of the suit was listed at {$4300.00}. No other information was listed, i.e. original creditor, account information, etc. In doing research on LVNV I discovered they are junk debt buyers and predatory debt collectors. Brumbaugh and Quandahl recently started calling me at home but I have not answered knowing it is them. The calls are after XXXX. I believe both entities are violating my consumer rights. I have sent to complaints to the Nebraska Attorney General and the XXXX as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
the complaint was with capital one and XXXX XXXX  and also XXXX XXXX. somone hit my accounts the pulled out XXXX and canceled all my payments. when i went to pay it off i tryed it cost me about XXXX dollars, and the still did the samething to me i wrote paper work at the court house and they still did the samething i would like to have the money i put into it. the XXXX call me for a card referance i dont want to put any information. my name is XXXX XXXX XXXX and not what they had changed it to. this is a new pc. wiht a XXXX purchase. from the factory i figured out they need a credit card purchase to move the money and cant do it on a new pc, ill just buy one every year. the shut down my bussines this year and i dont have a credit card anymore. i have more complaints but this solves this problem you can call me at ( XXXX ) XXXX XXXX, or ill call you tomorrow, and thank you for the help. also they keep on thretting me trying to get more information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
At the beginning of XXXX ( XX/XX/XXXX ), I was to receive a courtesy credit for {$790.00} for a chargeback dispute, along with a {$120.00} credit ( which I already received ). I was told these credits would be granted as a courtesy since my disputes were outside of the allotted 60 days period. I spoke to a total of 4 different Citi representatives in the dispute resolutions department and customer service, all of which assured me that I would receive this credit 'in 48 to 72 ' hours. Citibank 's automated system also confirmed that I was granted this credit. Every rep I spoke with confirmed this credit will be granted to my account ( Please listen to the recorded phone calls ). 

On XX/XX/XXXX, I called Citi again since no credits were posted, and I spoke to a supervisor named XXXX. She informed me that no credit would be granted. I explained to her that 4 different reps had informed me that I would be receiving this credit, and the automated system confirmed this as well. She then explained that my account was in review and that all my conversations with the Citi reps would be listened to, and I would receive a letter with the outcome. She said that it would be 7 to 10 business days from XX/XX/XXXX. I didnt receive a letter. 

I called Citi and spoke to XXXX on XXXX and she informed me that my account review was complete and I was approved for my credit of {$790.00} on XX/XX/XXXX at XXXX, and gave me confirmation # XXXX. She said that the department that handles the credits was closed due to COVID-19 and that I should get my credit later in the week. No credit has been seen. 

On XX/XX/XXXX I contact Citi again and spoke to XXXX. He tried to get a manager or supervisor on the line but he was unable since the call volume was very large. He said hed call me back with a resolution. He called me later that day and left me a voicemail that he had emailed that department and CCed his manager. He told me hed reach out with a resolution with in a day or so. I have heard nothing as of today, XX/XX/XXXX. 

I contacted Citi this morning ( XX/XX/XXXX ), and was put on hold for 50 minutes then the rep hung up. I called back and spoke to a lady. Was on hold with her for 1 hour and 37 minutes. She did check in with me and after about an hour, she said she would look into another solution to get my credit issue resolved. She hung up shortly after. 

I have been using Citibank exclusively for the past years, and I have NEVER in my entire credit card usage history experienced such blatant disregard. In a time like this with COVID-19, Citibank 's actions are absolutely appalling, especially when I have never missed a payment, and have been a loyal Citibank customer.

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 2022-05-05
Company: OneMain Finance Corporation
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:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any pupose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Unauthorized Credit Inquires on my report XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX  Inquiry Date XXXX XXXX Credit Plus Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXXXXXX XXXX Data Inquiry Date XXXX XXXX Factual Data Inquiry Date XXXX XXXX XXXX XXXX Inquiry 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 2021-09-29
Company: Square Inc
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I have been getting fees for every time I would have friends or family send me money thru cash app. I thought it was what they charged but then my wife showed me on her account she never gets charged anything so I looked more into it. I've paid over XXXX $ in fees over the past year because I have a business account, I don't know why I have a business account but cash app says it can only be done from the app and that I chose a business account. Well I didn't mean to. Business accounts are charged 2.75 % for any money received. So I contact cash app all ask them what's up and they agreed that it was probably a mistake and said they would reimburse fees but only 7days back from the time I contacted about fees. Basically everything past the 7days it my mistake for not catching all the fees I was paying sooner and I'm stuck with the fees. There crooks, please help!

Company response to consumer: Closed with explanation