BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-24
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Security Service is blaming the fraudulent transfer on my wife saying she deposited via mobile deposit ( 4 ) out of town checks just under the threshold that only a employee of the XXXX XXXX would be aware of and then making rapid withdrawals of {$3500.00} at XXXX and XXXX Security Service knows that transaction is fraudulent they know the company that printed the checks

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 2022-03-28
Company: Experian Information Solutions Inc.
State: GA
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 accordance with the Fair Credit Reporting act XXXX  Account XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Sectign 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 non-monetary relief
Consumer complaint received 2023-04-24
Company: HYUNDAI CAPITAL AMERICA
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
XXXX XXXXe keep calling and trying to get money from clients other then car loans my car was repo I had got the vehicle back but they trying to charge me for a repo fee when I had to pay a repo fee in order to get the car back. They always calling in my consumer laws it states 15 U.S. Code 1692g - Validation of debts and as well as 15 U.S. Code 1692d - Harassment or abuse. Violates are rights in regards to the company and not only that 12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). Notice that Pursuant to 15 U.S. Code 1635 ( b ). In addition, I was given false and deceptive information ( violation of 1692e ) as I was told that a down payment of { {$3500.00} } was needed in order to drive off of the lot. Pursuant to 15 usc 1605 a finance charge is the sum of all charges.

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 2018-03-17
Company: Netspend Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have received a prep paid debit card from XXXX a money. I have never applied for it and dont want it associated with me. Cant get anybody at brink so money to answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I was approved for XXXX XXXX XXXX card with a limit of {$1000.00}. Approx 5 or 6 months later, they drop my limit to XXXX with no notice. This caused me to have to pay a bunch of fees, because my balance was over the XXXX. After I called I received a letter in the mail saying they reduced my limit because my credit score changed. 
Today, XX/XX/2022 I logged in to pay my XXXX XXXX bill. My limit has been decreased from XXXX to XXXX, when my balance is XXXX. I check my credit score 2 to 3 times a week. I know it has gone up. There is no logical reason to me for this to happen. When. Calling XXXX XXXX/commenity, they have no answers. They say they will transfer my call and I get hung up on 4 times! Four! I am beyond upset at this. This is affecting my credit score. And no one has answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Our clients have attempted to obtain a modification with SPS 5 years ago. The Servicer lowered the payment XXXX even though the client 's income reduced by XXXX per month. 
The clients then decided to short-sale the property after which it was denied due to " information not being provided. '' Our company was contacted to help submit the documentation in XXXX of 2018. 

We've submitted the documentation to the Servicer and finally got a resolution on XX/XX/XXXX pending UW review. On the XXXX of XXXX, the servicer was contacted to get a status. They indicated they needed " more time '' for underwriting review. 
On the XXXX of XXXX, the servicer was contacted, and they state they just sent a letter today denying the Short-Sale due to RMA being incomplete. I informed the servicer the RMA was complete and has been submitted XXXX. However, the RMA is in fact complete. The servicer states the " intent '' is not noted in the RMA, however, the proprietary RMA doe NOT have " intent '' section noted in stead it has Section XXXX - the reason for hardship is noted. 

The Servicer understood and wants until Monday to review the case as we pointed out the inaccuracies in their process. 
This, however, isn't enough as the foreclosure hold has YET to be placed or the Facially Complete sent out

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I wired XXXX to Coinbase through XXXX on XX/XX/XXXX. After quickly realizing that my recipient number was not included when I wired it ( no option on my online banking account with XXXX ) I filed a support ticket and called them. After being disconnected several times, I was finally connected after 2 hrs on hold. The CS rep told me that my money would be rejected by coinbase within 3-5 days and be returned to my account. I then called my bank and they said that after coinbase rejects it, it should show up after 10 business days. After 10 business days, I did not receive anything, and no one responded to my support message. I tried calling again around mid XX/XX/XXXX. This time, they said they " escalated '' my case and it would be worked on as soon as possible. It is now XX/XX/XXXX and I have not heard a single word from them. Please help me get my money back from these thieves!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: ARVEST BANK GROUP, INC.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I used an Arvest Bank ATM. I withdrew {$40.00} and agreed to a {$4.00} ATM fee. My receipt showed this {$44.00} amount too. An undisclosed fee named as XXXX XXXX Oklahoma Fee XXXX that I didn't authorize and wasn't made aware existed was also charged for the ATM debit by Arvest Bank XXXX The " XXXX, Oklahoma Fee '' amount was {$2.00} I've been charged fees twice.I didn't authorize the second fee and didn't agree to it. This fee was not disclosed by the Arvest banking institution on the receipt and shouldn't have been added arbitrarily.

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 2023-04-24
Company: ADP Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
In regards to ADP Screening and XXXX XXXX. I've tried to email the email they have on file to get my free report. Ive also tried to called the number they keep referring me to ( XXXX ) twice. THe people on the phone dont know how to execute the request. Although XXXX is responsive over email, Im not getting anywhere. I just want to know if they have infomration on me or not and to then freeze me file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
TD Bank cashed checks drawn on my XXXX business ( XXXX  ) account. These checks were payable to businesses and TD Bank allowed an individual to endorse and cash these checks. All three checks were cashed and endorsed by the same individual on XX/XX/2022. 

On XX/XX/2022, we discovered the a check was fraudulently cashed and put in a fraud claim through our bank- XXXXXXXX XXXX. To date TD Bank, the bank that cashed the check, has failed to respond or refund the {$10000.00} to our account. 

On or about XX/XX/2022, we received a call notifying us that two additional checks that were mailed to businesses were never received by those businesses. We discovered those checks were cashed on XX/XX/2022 by the same individual that cashed the {$10000.00} check. Each of these two new checks were in the amounts of {$1800.00} and {$2000.00}. Our Bank has now placed fraud claims for each of these checks too. 

XXXX has indicated that TD Bank is not responding to them. 

This account is an Interest Only XXXX XXXX XXXX ( XXXX ). These are client funds that must be refunded forthwith! 

TD Bank erroneously cashed three checks for an individual even though each check was made payable to a commercial entity. They currently owe our XXXX account a total of {$13000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted previously my claim but accidentally put name of friend I was on the phone with while I was typing! Putting correct name on document and its updated! Over 30 days ( 45 actually ) from the day I sent to the day I submitted to the CFPB!

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 2023-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
good morning. They closed the account, and didn't fund me my money to me. they then said there was no account. they keep on trying to give me run around.

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 2023-04-24
Company: Experian Information Solutions Inc.
State: AL
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2021-02-08
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I lost my job due to covid, one week after the purchase of a new vehicle. I was diagnosed with XXXX XXXX, and as a result my employer will not allow me to return to work until I receive a vaccination. I called Chrysler Capital on or about XX/XX/XXXX to request payment relief under the cares act due to my inability to make my payments while out of work. On this call, the representative asked me numerous questions relating to my health, condition, and specifics on my ability to work. She made reference to the fact that I could get another job, and actually asked if I was trying to find work. At the end of the discussion she said that I didn't qualify for any assistance because I had not made a payment towards the account yet. She also said that the account was 'too new '. I raised the concern of why I was being asked a litany of health related questions if I was being denied by default on unrelated issue- the account being too new and I had not made a payment yet. Two factors that preclude me from qualifying, which the creditor knew before I even called them, yet the woman asked numerous personal questions. 

So I borrow {$1700.00} from family members so I can make the XXXX payment. 

On XX/XX/2021 I called Chrysler Capital again, to request a payment deferment. AGAIN, a litany of personal and health related questions. I was denied, again, because the account was too new and this time also, because the account is not past due. It's not past due because the last representative said I had to make a payment in order to qualify for a loan deferment, so I borrowed the money!! These, again, were factors that the creditor knew before asking personal questions about my condition, my financial status, and my ability to make a future payment. They suggested a surrender of the vehicle if I am not able to make a payment until XX/XX/XXXX. I told them that was unacceptable and they said that I knew the risks of buying a vehicle in XX/XX/XXXX during a pandemic that I may lose my job and not be able to make payments. They said I did not qualify for any loan deferment options, but that they could give me a few extra weeks to make my XXXX payment, with added interest and fees to do so. 

This creditor harassed me on the phone, two different times, asking me questions about my health, ability to work, and criticizing my judgement of purchasing a vehicle form them during a pandemic, and then losing my job ( totally outside my control ). 


XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: WI
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:
I am currently a operating member of a LLC listed as personal guarantor for a XXXX  XXXX XXXX auto loan. The loan is listed as a personal joint loan on my personal credit file. I contacted XXXX twice and they tell me that everything appears to be in order with my loan and that I must dispute with the credit agencies. The credit agencies ( all 3 ) tell me the listing on my report is correct and that I need to work with XXXX to rectify. I am not sure who should own this but its affecting my personal credit standing due to this auto loan.

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 2023-04-24
Company: All Debt Solutions Inc. dba: 1st Class Agency
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no idea who this creditor is. This debt is NOT MINE! 1ST CLASS AGENCY has paid XXXX to report a fraudulent account on my credit report. I have never done business with this agency nor the company the claim I've done business with. This fraudulent account is being reported as being opened on XX/XX/2018 yet the last activity state XX/XX/2018. How can the last activity be 6 days before the opening. This account is a XXXX debt that is fraudulent and is hindering me from obtaining a mortgage loan. This fraudulent debt needs to be REMOVED from my credit report IMMEDIATELY!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I started a identity theft dispute on XX/XX/XXXX with Equifax, XXXX and XXXX. XXXX and XXXX removed all collections and hard inquiries but Equifax did not, they allege that accounts has been verified. I received letters that accounts has been removed. I would like a full audit investigation showing each company provided supporting documentation stating that my accounts has been verified of I will be seeking a attorney and will sue Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 recently got a copy of my credit report from XXXX notice that they are reporting inaccurate personal information about me i sent a certified letter to update my personal information along with an FTC identity theft report and a copy of section 605 B of the fair credit reporting act and a copy of my credit report with all of the fraudrantly items cirlced because i also notice that they were reporting fraudulent accounts on my credit report and they did not update or delete any of my information i am a victim of identity theft and XXXX need to update and delete the inaccurate information they are reporting about me my name is 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 non-monetary relief
Consumer complaint received 2023-07-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 inquires. 

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 non-monetary relief
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: SC
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am currently going through XXXX XXXX  and covered by my insurance with XXXX. 

XXXX XXXX XXXX ( XXXX ) contacted us about payment and we discussed that XXXX  should take care of it and we would reconnect if there were any issues we needed to work out with XXXX  Without warning or explanation and in bad faith, XXXX sent me to collections, negatively impacting my credit score. 

I am unclear as to why this money is owed and am particularly concerned about XXXX 's practice of damaging people 's credit score while being irresponsible on their own end to due basic due diligence in working with insurance companies and communicating with the individuals impacted. 

This bullying tactic got me to pay {$290.00} for no other reason than through threat of further damage to my credit score and coercion through bad faith action in sending my bill to collections. 

At best, XXXX has acted in bad faith, but they have also exposed what could be an unethical and malicious business practice

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation