BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-20
Company: Firstsource Business Process Services, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Owed a certain amount was asked to pay a percentage to clear my debt and I did so.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX were doing a loan modification on our home in which they told us they were going to do a XXXX bankruptcy to stop the sale of our home. Unknowing to us it was n't a XXXX bankruptcy because it is now listed on our credit reports. I filed a complaint with Consumer Finance about this company already. This company is located in XXXX and we are located in XXXX and from my now understanding they broke federal law in doing this. we would like for this public record to be removed from our credit report. They charged us {$4200.00} for a modification that we did not accept and {$1500.00} for a supposedly XXXX bankruptcy. XXXX scammed us out of {$5700.00} for services not rendered. My first complaint with XXXX # XXXX was dismissed, I would like for you to please take a look at XXXX cases. This company is scamming people out their money and should be held accountable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
These XXXX XXXX XXXX loan accounts are appearing incorrectly on my report. These XXXX accounts have been completely forgiven, and I have paperwork from XXXX XXXX to document this. They are no longer owed and have been XXXX discharged by XXXX XXXX and should no longer be appearing under my name ( unless it 's to report positively that these have been paid/forgiven/discharged and closed with a positive status ). After several disputes with XXXX XXXX directly, I was able to obtain documentation in writing that these loans had been discharged/forgiven from my name. 

XXXX XXXX had transferred the accounts to multiple departments before they were forgiven, so I had an extremely difficult time getting this information. 

These accounts are reporting incorrectly, and are negatively affecting my score. I have sent in documentation and disputes to Experian a number of times, including the letter from XXXX XXXX directly supporting my complaint- but I have received automated responses and no correction. We are planning to purchase a house in the near future, and this is negatively affecting my ability to do so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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: Overcharged for something you did purchase with the card

Complaint:
I have a credit card ( last four digits XXXX ) with Bank of America ( BOA ). 
In XXXX, my credit card account balance was {$460.00}. On XX/XX/XXXX, I paid the balance through a BOA agent over the phone. However, the account didn't reflect the payment, and it still showed a balance of {$460.00}. ( This was probably due to a delay in their system ) So when I saw the balance, I made a duplicate payment for the same amount on XX/XX/XXXX for {$460.00}. It slipped my mind that I had already made that payment. 

Realizing the mistake, I called BOA in XXXX and asked them for a refund for the extra {$460.00}. A BOA customer service agent acknowledged the mistake and assured me of a refund for {$460.00} via check. However, on XX/XX/XXXX, I received a letter denying the refund, stating that it was too late to adjust the error. I called BOA asking about the matter, and they refused to help.

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 2016-12-17
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Frequently, when I try to get my free annual report from AnnualCreditReport.com, I get a message saying that there was a problem and they can not process my request. The message always points me to the mail form, sure, but that 's not why I go to the website. 
Specifically, I have records indicating that Experian has not been able to give me an online credit report each XXXX in XXXX, XXXX, XXXX, and again this year ( XXXX ). But it has happened with all XXXX credit reporting agencies. 
It is unacceptable that I have to jump through this hoop year after year. It 's almost as though they 're hoping I 'll stop asking for it if they make it hard.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have inquiries on my file that do not belong to be- XXXX, XXXX XXXX XXXX , XXXX, XXXX, XXXX, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: BlockFi Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
From XX/XX/XXXX - XX/XX/XXXX, I invested in Blockfis interest and wallet account. These assets have been paused from withdrawals and are rightly my assets. Since these assets are stored in cold storage within blockfi, Im writing this letter hoping that my investments are not used in settling with creditors and returned to myself. 

Currently, my holdings are as follows XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2021, I received a notification from XXXX  regarding a collection on my credit report. After reviewing the report I saw that a collection agency name Enhanced Recovery CO L placed a fraud account on my credit file. I have notified XXXX XXXX XXXX from 2 years ago that this account does not belong to me. I have submitted several fraud documents and sent back to XXXX XXXX XXXX regarding this account. I call ENHANCED RECOVERY CO L and spoke with a gentle man who said his name was XXXX XXXX ID number XXXX. I explain to him that this account was a fraud account and they need to removed it from my credit file. XXXX XXXX stated that they will not removed it nor with they validate the account. Federal law gives you the right to request a debt collector provide proof that you owe a debt. 2 It's the best way to ensure that you're not paying a debt you don't owe or a debt that the collector isn't authorized to collect on. ENHANCED RECOVERY CO L employee XXXX XXXX does not seems to feel that way. I am requesting ENHANCED RECOVERY CO L to immediately removed the fraud account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: Global Trust Management LLC
State: LA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I HAVE A COMPAN THAT KEEPS CALLING ME ABOUT A DEBT THAT IS NOT MINE. THEY HAVE THE WRONG NAME BUT KEEP CALLING ME AFTER ME ASKING MULTIPLE TIMES TO STOP. THEY ARE LOOKING FOR A XXXX XXXX. THAT IS NOT ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have asked and provided experian with proof of my identity, as required by them, experian, a form with my information such as name address date of birth social security and etc. Along with my government issued identification ( drivers license ) and any bill such as my auto insurance statement that includes my address. My reasons for this is that i have asked with provided proof that fraud alerts be removed and instead of doing so made matters worse like for example they added another fraud alert for 7 years. I am extremely unsatisfied with this matter.

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 2016-08-02
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have been trying for over 2 months now to remove a Collections Account which Experian says is mine. I have never lived at XXXX XXXX in XXXX, NJ. 
I have tried to call them and they refuse to remove it I have never lived there nor have I ever applied to rent an Apartment there. 
Please remove this item as I am trying to buy my first home, and I have never had any issues with the other credit reporting agencies, they have removed this item which XXXX is showing that I owe, which I do NOT, since I have NEVER lived there. They are also refusing to remove a false last names which I have NEVER used. I have NEVER used any other last name, except my own-XXXX. 
Thank You for your help in this matter. 

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 non-monetary relief
Consumer complaint received 2016-12-18
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I disputed the validity of multiple accounts on my credit file. I requested validation of the debt being collected directly from the creditors and from Experian. Experian is not properly verifying the data from the furnisher as I have not received any documentation from the following creditors : XXXX XXXX XXXX XXXX XXXX XXXX Additionally XXXX and XXXX are collecting the same debt but reporting them with slightly differing amounts due and opening dates, this should have been corrected during Experian 's original investigation. I attempted to resolve this through their online platform, however ; my request was denied due to " duplicative disputes ''. 
Finally Experian is the only credit reporting agency still reporting the XXXX despite the company 's request to withdraw the information from my files due to their inability to validate the 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 2022-11-20
Company: Westcreek Financial
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
The interest fees are higher than informed. Very misleading and confusing information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: BlockFi Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
I have an account at BlockFi. 
I have an ACH withdraw that has been in a status of Pending for far beyond the agreed upon period. 

Once in a status of pending to my understanding those funds are officially mine and no longer in their property. Ilthey should not be used to satisfy secured creditors should bankruptcy come.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I called USAA to request a refund for the NSF fees that were charged to my account. I requested a refund for ( FPB CR CARD INTERNET ) charged to my account on XX/XX/2022, and XX/XX/2022. The USAA customer service agent who processed my request did not include ( FPB CR CARD INTERNET ) in my complaint after I told him what items I was requesting a refund for. 

USAA Bank did not honor the {$40.00} payment to ( XXXX XXXX Bank ) and the {$40.00} payment ( FPB CR CARD INTERNET ) but charged me {$29.00} NSF for each item when there was {$270.00} in my account. 

MY REQUEST 1 : Refund of {$29.00} for ( XXXX XXXX XXXX  Payment ) XX/XX/2022 ( {$29.00} Refunded ) MY REQUEST 2 : Refund of {$29.00} for ( XXXX XXXX XXXX XXXX ) XX/XX/2022 MY REQUEST 3 : Refund of {$29.00} for ( XXXX XXXX XXXX XXXX ) XX/XX/2022 MY REQUEST 3 : Refund of {$29.00} for ( XXXX XXXX XXXX XXXX  ) XX/XX/2022 2022

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-20
Company: 2233 Paradise Road LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Outline of Occurrences : On XXXX/XXXX/2016, I reached out to Cash Factory USA and advised that due to the holiday my funds would not be available on XXXX/XXXX/2016. I advised that I would need the funds owed to transact on XXXX/XXXX/2016 opposed to XXXX/XXXX/2016. After, speaking with numerous agents and managers this variance was approved. On XXXX/XXXX/2016, I received a notification from my Bank advising that said company recovered a lesser fee. I received a " Docu-sign '' email later on XXXX/XXXX/2016 in regards to refinancing of my account that had to be electronically signed and delivered by law. I never spoke with anyone in regards to refinancing this account ; just to have the transaction withdrawn on a later date of XXXX/XXXX/2016 for the full payment. The refinance documents advise of the Credit Access Business Agreement ( CAB ) fee that is indicative of refinancing. A refinance can only be administered upon completion of information and documentations required by the lender to refinance a loan. This documentation was never completed, due to never being discussed. However, a refinance of the account was completed without legal documentation required by the said company governing body ( Texas office of the consumer credit commissioner under chapter 393 ) or the Texas Finance Code in connection with my state of residence ( TX ). On XXXX/XXXX/2016 the said company reentered my account and retracted a larger amount that they were not authorized, too. 
Emails from the said company managers to substantiate and emails that were sent after the refinance fee was retracted advising had n't been signed/ completed and needed my signature. 

Offenses indicated below : 1. ( CAB ) Refinance fee deducted from my personal account 2. Disclosure date for Refinance agreement sent on XXXX/XXXX/2016 3. No signed agreement obtained from said customer to refinance account 4. Attempted to collect wrong amount

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: BlockFi Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Attempted a XXXX withdrawal at XXXX XXXX  XX/XX/XXXX and money was not received when promised at XXXX XXXX XX/XX/XXXX and I still have yet to receive it on XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
State: NC
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:
I sent a letter to Experian, XXXX, and XXXX on XXXX XXXX XXXX It has been well over 30 days and still have not gotten any reply. According to 15 USC 1681 ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. THIS IS A VIOLATION OF MY RIGHTS. 

The letters were mailed out certified : Experian Certified Mailing Tracking Number : XXXX XXXX Certified Mailing Tracking Number : XXXX XXXX Certified Mailing Tracking Number : XXXX I've attached the letter sent out to all 3 Credit Bureaus. 
All letters were signed and sent with my Government ID and Proof Of Address.

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 2015-05-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have been a victim of identity theft and tried correcting my information with the credit bureaus. They told me to get a notarized affidavit, send them my driver license and social card ; which I did. I have been dealing with them for the last year and it gets so frustrating how I get denied for everything I apply for even though I am a very responsible person. As a matter of fact, I have kept all of my correspondence with them as proof that I have sent everything that they asked from me. I called several times as well. I have had notarized my affidavits and police report XXXX already but up to now, the accounts are still on my report which is barring me from having a decent credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-04
Company: Asset Recovery Solutions, LLC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On two separate and recent occasions, a XXXX XXXX contacted other employees of the company for which I work. He told them that he was attempting to contact me for a debt I owed and called them because I would not respond to his calls. He then provided his companys name and phone number to the employee. In both cases, these employees then sent me an instant message with what was shared. 

This violates my rights as a consumer for this person ( XXXX ) to disclose this information to people I work with. I dont even know what this is regarding. I get a lot of calls from timeshare or retirement scams and fraud all the time. I do not answer calls from numbers I am not familiar.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: BlockFi Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Tried to withdrawl XXXX  currency XX/XX/XXXX & XX/XX/XXXX respectively, blockfi said it would be done by XX/XX/XXXX. Still awaiting with no response from Blockfi.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: Nelnet, 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:
XXXX, XXXX, XXXX has too many department of Nelnet that appears on my credit report too many times which I only have 8 that are all discharge with XXXX balance. I contacted the credit bearua about this matter it still wasn't resolve. So I am asking could you please resolved this matter I greatly appreciated it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My wife and I sold our house in XXXX. We had a mortgage with Ocwen Bank and it was serviced by Ocwen Loan Servicing LLC . The loan was paid in full and we never made a late payment on that or any other account. Our credit has always been perfect. Recently, we applied for a credit card and were notified that our credit score was in the low to mid XXXX range so we had to pay an interest rate higher than their best rate. This prompted me to pull my credit on XXXX and I was shocked to see a 30 day mortgage late reported by Ocwen in XXXX. We closed on our home in XXXX. I called Ocwen Loan servicing and they said that our account was paid in full and there were no lates. I then called XXXX, XXXX, and XXXX and all XXXX said that when Ocwen contacted them to say the loan was paid in full, they reported a 30 day late. I called Ocwen back and they said that the problem is resolved because they are not reporting a late. I then called all of the bureaus again and asked if the 30 day late has been removed and they said no. Ocwen Loan Servicing has been giving me the run around for a week now and the last I heard, it may take 30 days or longer to clear this up. I need Ocwen to contact these credit bureaus and tell them that this account was not late in XXXX or ever. Please help. I am in the process of applying for a job and do not want them to see a recent mortgage late on my credit report. Waiting 30 days or longer is unacceptable! Please hold these people accountable for their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Venmo credit card fails to send notification about upcoming payment due and even fails to send any notification when due date was missed and late fees charged. 

I would notice that I was charged a late fee a week later but no email, texts, or in-app notifications were provided to remind me about the payment. 

These are sketchy practices praying on customers to forget to pay on time.

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 2020-11-11
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

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