BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-07
Company: CAINE & WEINER COMPANY, INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX gave XXXX XXXX XXXX a Merchant Advance in XX/XX/XXXX for XXXX 'XXXX XXXX XXXX XXXX XXXX XXXX. The Broker who set the Advance up was fraudulent and he took money from my account twice. My Bank shut the account down, my Business also went under due to Covid-19. This was not a loan and definitely not a personal loan. My Credit Report is showing on XXXX  and XXXX  this account was opened XX/XX/XXXX and that it is a personal loan. This is a lie and inaccurate, both parties are in Violation of The Fair Credit Reporting Act and are liable for damages up to {$1000.00} each in State and Federal Court. Caine & Weiner is pretending to be a Law Firm when they are just a Collection Agency. The amount is a lie also, I received a notice from another company last year that the amount was {$6800.00} but on my Credit Report is {$7900.00}. I am in the process of contacting The Attorney General Office and The Federal Trade Commission to file complaints against both companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, XXXX removed {$990.00} from my checking account. The money was sent to a XXXX XXXX XXXX XXXX XXXX in California. The money was sent using XXXX/PNC. Ive called and emailed PNC several times with out results! This is XXXX/PNC fraud !

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
USAA changed the terms of their overdraft policies and provided notice in the form of an electronic communication on XX/XX/XXXX. I had time to glance at it and it was unclear whether it would have an effect on my accounts. On XX/XX/XXXX, I realized that a charge that should have been declined was accepted, and the cascading financial repercussions have led to multiple overdraft charges and fees. 

USAA failed to adequately provide communication regarding the upcoming changes, or a reasonable timeframe within which to alter previous financial commitments. They subsequently refused to acknowledge or make restitution for, or apologize for the serious breach of their previously excellent service. 

I sincerely hope that this is not a sign that USAA no longer intends to operate in the best interests of its members.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: MORGAN STANLEY & CO. LLC
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2023 I tried to close my Morgan Stanley bank accounts, but the online account closure form provided is broken and does not allow me to proceed. Please close accounts XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
On XX/XX/XXXX I applied for a personal credit card and was approved for it. When I tried to log into the personal account, I could see the account in the backround was my log on for the company account, I work for. I contacted capital one the following day as I did not want my work accounts associated with my personal account. After an hour and speaking with 4 different people who some said don't log into that account and another who removed my personal email from my personal account. It still could not be fixed, I went to the bank and was told after calling from the branch to the credit card services to wait 72 hours for the system to work though the issue. It is now Monday the XXXX and called Capital One from home and they again had me try to log into my business account and could not fix it. I canceled both credit cards I have on file for personal use with Capital One. Then I went to work, and a letter was sent to me regarding my account haveing not been used in years and they were going to close it. I assume this again was my PERSONAL account sent to my work address. There is NO reason why my personal accounts should be linked with credit card accounts I use at work for bookkeeping purposes only! 
One attached Doc shows my work email affiliated in background for sign on not my personal email which is where the link came to sign on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting 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 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX FOR XXXX XXXX XXXX XXXX 79 MONTH AUTO LOAN Date Opened XX/XX/XXXX High Balance {$22000.00} Closed on XX/XX/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 2023-09-10
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
After several written attempts to each credit bureau, I have not succeeded in getting my credit report accurate. Lately, I wrote in and called each credit bureau to dispute XXXX XXXX  accounts on my credit report. XXXX XXXX  continues to report balance and past due payments on my credit years after the account was sold to collections. Currently, after my last report, XXXX XXXX removed one of the accounts but not the others. Experian and XXXX claimed to investigate and find the information to be correct. I have asked how the collections and the original account show past-due months or late payments and a balance. That is absolutely unfair. Once the original debt was sold, the account should be marked as closed with a XXXX balance, and the account should have a statement that the account was sold to collections. 

I should not have to continue to write in, call, etc. I have been affected by this for too many years after the fact and almost a year of continual disputes being sent to the credit bureaus.

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 2023-06-15
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a credit card with Target. Every month they do not report the correct balance. I have paid the account off, but they keep reporting the previous balance XXXX. I have contacted credit bureaus so they can get new balance updates, but Target continues to give them a past statement balance. The credit bureaus ask for the current balance, yet Target continues to give them a past statement balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Filed many disputes for almost a year now with Consumer credit bureaus and sent XXXX letters since XX/XX/2023. Has not be resolved per my countless request.

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 2021-03-02
Company: Specialized Loan Servicing Holdings LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Specialized loan servicing denied my certified funds back in XX/XX/XXXX in the amount {$1600.00}. They denied for the reasons that incorrect account number or account closed, On the certified funds to make this payment it is the correct account number. I made the payment on time SLS denied the certified funds. I was notified by SLS of the denial of certified funds and when trying to figure this out for 6 months, SLS does not have any record of denying my certified payment. I made the payment on time SLS denied the certified funds. I need my payment history to show no lates for the last 6 months since SLS denied my certified funds. And again i had the correct account number on the certified funds SLS rejected the payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I went to the Bank of America ATM in XXXX NJ on XX/XX/2020 to deposit a check. I used the drive up machine because the bank was closed. I tried to deposit 2 checks, 1 at a time, and the ATM took one but then malfunctioned. It wouldn't return my deposit back to me but instead gave me a receipt requesting me to " contact the electronic claims team to discuss my transaction. '' Naturally I call immediately, to file my claim that the machine ate my check. The person I spoke over the phone with files helped me file my claim. 30 days later, I get a notice informing me that " they found my transaction but could not find my check and they were going to debit my account XXXX dollars that they credited me for the transaction prior. I call back to escalate my claim, and they still took the money out of my account but seems like they haven't made any actual attempts to locate my check. I called back infuriated by the is and was asked a host of silly questions about if i used another ATM to which my response was why would i use another machine at this location with a check stuck in the 1st one? and was basically told there wasn't anything they could do about the money debited from my account and they will try to escalate my claim again. Now I'm being charged fees because of my false negative balance, which I refuse to pay..

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 2022-11-14
Company: EQUIFAX, INC.
State: DE
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 took a look at my consumer report and found that XXXX, XXXX and EQUIFAX is is engaging in unlawful extortion means by knowingly furnishing false and misleading information while having reasonable cause to believe the information is inaccurate. The United States XXXX XXXX XXXX XXXX XXXX has verified that they are not and do not furnish bankruptcies to consumer reports. Furthermore, I am aware that all extensions of credit are tied to my social security card and that the United States is obligated to all debts under 18 USC 8. I, the consumer, have never been given the opportunity to direct that my nonpublic personal information should not be disclosed to XXXX, Equifax and XXXX pursuant to 15 USC 6802 ( b ) ( 1 ) ( B ). Nor was I given an explanation on how to exercise the nondisclosure option which is a violation of 15 USC 6802 ( b ) ( 1 ) ( C ). My consumer report does not include a report containing information solely as to transactions or experiences which means the bankruptcy furnished is a violation of 15 USC 1681a ( d ) ( 2 ) ( i ). XXXX, XXXX, and EQUIFAX has caused harm by furnishing inaccurate information on my consumer report. According to 15 USC 1602 ( p ) the consumer reporting agencies do not have actual authority for such use of my credit card defined under 15 1602 ( l ) and I received no benefit from this unlawful transaction. This transaction was not initiated by me which is a violation of 15 USC 1681b ( c ) and 15 USC 1681b ( 2 ). Without lawful authority, by using means of my identification the consumer reporting agencies are committing aggravated identity pursuant to 15 USC 1681a ( q ) ( 3 ). Verified responses has proven that the consumer reporting agencies arent being impartial when it comes to respecting my right to privacy. Conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of 15 U.S. Code 1

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have sent four letters to this company to verify the debt via certified mail and they have not responded to me at all. Per the Fair Credit Reporting Act if a company does not verify a debt within 30 days they have to remove it which I have confirmation with the USPS that they have received multiple letters from me and they have failed to response with any information verifying the debt showing my signature and that I owe them any money. They also have failed to remove the account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: GA
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 have asked for valadation on accounts that appear on my report and I have not heard back from the companies. I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are un verified according to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information that is innaccurate, incomplete, or which provide testimony and certification that you can not be verified. XXXX cards, XXXX XXXX Card, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX, and, XXXXXXXX XXXX services. It is also my understanding that under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, INCOMPLETE, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirely or the alleged accounts are to be completely deleted. I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHT TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated XXXX XXXX data formated reporting standards according to regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: HYUNDAI CAPITAL AMERICA
State: SC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a 36 month lease with Hyundai Finance. The lease matures on XX/XX/2022, I call them to get my pay off and they refuse to give me the current pay off. I am trying to sell the vehicle and I can't because they refuse to give me the amount of the pay off. My ACCOUNT # 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 2023-09-20
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX I tried taking out money from HSBC bank in XXXX XXXX. While trying to withdraw funds the machine only dispensed {$200.00} pesos ( {$10.00} dollars ) and charged me {$7000.00} pesos ( equivalent to {$420.00} dollars ) in atm fees, plus a tax fee of {$1100.00} pesos. Which I understand I would get a fee to withdraw from a foreign atm due to my debit card being from the United States! But upon trying to get my money back from HSBC or my trying to get this resolved thru my Own bank XXXX XXXX XXXX XXXX XXXX help me XXXX get this straighten out. They keep referring me to each other get this resolved. I really need something to be done

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Experian Information Solutions Inc.
State: GA
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 have asked for valadation on accounts that appear on my report and I have not heard back from the companies. I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are un verified according to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information that is innaccurate, incomplete, or which provide testimony and certification that you can not be verified. XXXX cards, XXXX XXXX Card, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX, and, XXXXXXXX XXXX services. It is also my understanding that under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, INCOMPLETE, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirely or the alleged accounts are to be completely deleted. I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHT TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated XXXX XXXX data formated reporting standards according to regulations.

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 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX XXXX 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

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 2023-01-23
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:
In accordance with The Fair credit reporting act the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 account name XXXX XXXX XXXX account number XXXX account name XXXX XXXX  account number XXXX has violated my rights. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604a section 2 it also States a consumer reported agency can not furnish an account without my written instructions. 15 USC 1681 c. ( A ) ( 5 ) section States no consumer reporting agency may make any consumer report and containing any of the following items of information any other adverse item of information other than the records of convictions of crimes which intimidates the report by more than seven years 15 USC 1681s-3 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reported agency if the person knows or has reasonable cause to believe that the information is in accurate

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