BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-20
Company: Receivable Collection Services, LLC
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I graduated from XXXX XXXX XXXX  XXXX in XXXX. All of my tution and book was covered by a student loans that I took out with XXXX. I never took out any personal loans with XXXX XXXX XXXX  XXXX. In XXXX I was notified through XXXX that a collection was placed on my account. The collection agency name is receivable colletions located at XXXX XXXXXXXX XXXX XXXX XXXX NY, XXXX. I contacted the collection agency and notified them that I do not owe this debt. I never took a loan out directly with my XXXX XXXX XXXX. I was given a document showing that I defaulted on payments in XXXX. Which I dont agree with because as I stated earlier all my tution and books were covered under the student loan that I took out with Navient XXXX I notified Receivable Collections in XXXX that the debt should be remove the default date is XX/XX/XXXX it is now XXXX and they refused to remove the debt. It has been over 8 years from the default date. Receivable Collections is reporting a different date to the XXXX so the collection account can stay on my credit longer. I have lost several opportunities because of this collection being on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
The day that I went to look for a loan I tried everything I was in the middle of moving out of my house with my husband at the time we were separating only been married a year lost in the state of confusion just didn't really know what to do I was at my wit 's end I apply for a loan that's all I had was a car Well I got a title loan from XXXX at XXXX XXXX XXXX   over a year ago when I thought that I was at the end of paying the {$2500.00} back I had already paid I think close to XXXX back so I thought I was done so I gave them a call and they told me that only {$10.00} of the money that I had been paying went toward the principal but the {$390.00} a month that they told me to pay every month went towards the interest so that means that by the end of the loan I would have to pay them {$14000.00} for {$2500.00} loan for a car that's only worth {$800.00} in the XXXX XXXX value they are threatening to repossess the vehicle from me I don't understand how they could charge me over 300 % interest for the vehicle for the loan they won't give me any help they just want me to just keep paying them {$390.00} a month until {$14000.00} is paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: LA
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-10
Company: Blackhawk Network Holdings Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I purchased a {$200.00} " XXXX '' card ( XXXX XXXX XXXX XXXX intended to re-up a XXXX card at my local XXXX.

There was a computer error when I ( or anyone ) tries to create a safe and transfer the money to your desired card on the " XXXX  '' site.

Some internet research showed this was no error. This was a way to steal, or hold for the longest period of time possible.

Please help. I need my {$200.00}, not after waiting a month for a check.

Why is XXXX   allowed to sell these cards when they are all fraudulent?

Thank you in advance for any assistance.

/XXXX/

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Chase bank closed all 3 of my credit card accounts after banking with them for 5 years in XX/XX/. After spoke with them on XX/XX/, I was not given any specific reason why they are closing the accounts and I was not given the option to appeal the decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: Netspend Corporation
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
On XX/XX/XXXX New York unployment deposited almost {$11000.00} in back pay. Western Union net spend by XXXX XXXX froze my account said they needed to verify my identity. I sent in my ID my proof of address and social card .They then told me they closed my account and mailed me the check .After a week I still did not receive it .I called back they said they sent it to ny unemployment .I called ny unemployment as of today XX/XX/2020 they still have not received it. I have sent multiple emails and calls demanding to know what address it was sent to and the check number. I am told nothing. I want to know where my {$11000.00} is.

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 2022-11-29
Company: EQUIFAX, INC.
State: PA
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 wrote equifax months ago about XXXX XXXXXXXX XXXX account they removed it from the credit report then added it back. The company didnt supply me with a reply within the 30 days required and now is reporting the information again. The investigation seemed to not be up to par with fcra requirements and they failed to respond with ANY reason over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: N26 Inc.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
N26 sent me an email out of the blue saying my account would be closed in 3 days and requesting financial details to transfer my balance ( currently about {$6100.00} ) to. They provided no reason for the closure. In their own terms and conditions they state it can be closed immediately ( 3 days ) for only 3 reasons. 

1 Providing incorrect statements to N26 about your financial situation, especially when you apply for a credit. I have not applied for credit. 

2 Failure to repay your loan or any debt toward N26. I do not have a loan with N26. 

3 Failure to comply with N26 's requests about your loan ( see provision or increase of security, section 13 ( 2 ) of our T & C 's ( new tab ) ). I have not requested a loan nor have I failed to comply with any requests. 

I would like N26 to review this and provide a clear explanation as to what the issue is once they see I haven't violated their terms and conditions, I'd expect to have my account reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I, XXXX XXXX, on XX/XX/2020 had visited a TD bank branch at XXXX XXXX XXXX, XXXX, NY where an international wire transfer was performed by the store manager and Vice President XXXX XXXX with a gross negligence or willful misconduct in performing the wire transfer services resulting in misdirecting my funds in the amount of {$5000.00} to the wrong account. I provided a correct information to Ms. XXXX, all the details such as names, XXXX, beneficiary account, address, but because of her gross negligence the funds were transferred to the wrong account in the correspondence bank in XXXX, where I have no account. The  XXXX, though, was indicated for the bank where the funds were supposed to be transferred to and with the address in a different country, which made a whole transaction an awful mess, which in its turn has caused a major inconvenience, a financial loss and emotional distress to me. Ms. XXXX who is a vice president (???? ) had refused to correct her error, but blamed me instead for not checking her computer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-06
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed XXXX XXXX account ending XXXX multiple times. I disputed the charges XXXX XXXX stated I owe XX/XX/XXXX. I filed a dispute with with credit bureau with no resolution. I recently sent a certified letter to XXXX XXXX disputing inaccuracies information XX/XX/XXXX and received a letter stating that since this account wasnt disputed within 60 days they are not required to investigate. I disputed this account with the credit bureau XX/XX/XXXX. XXXX XXXX  never validated the debt they stated I owe. I disputed unauthorized charges to my account XXXX XXXX made without resolution. My dispute was in the 60 day law requirement. I sent evidence to experian and they failed to properly investigate.

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 2018-04-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was paid for musical instrument goods I was selling to someone. They sent the money ( {$2500.00} ) via XXXX app via Bank of America to Bank of America account. I received confirmation from the buyer the funds were in my account. I went to BOA and asked if I would be able to withdraw the funds and explained the nature of the transaction. I was allowed to withdraw the funds as the money was available in my account. This morning there is a hold on my account for {$880000.00} and the buyer reported fraud. My account is now placed on hold and I can not access it. Bank of America allowed me to withdraw the money and said the funds were in my account. Now my account is on hold and my pending payments may be declined. Bank of America should be responsible since they allowed me to withdraw the funds. I would simply like my account restored and my name cleared of any wrong doing. Attached is confirmation I had gotten from the buyer the transaction was successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
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: Reporting company used your report improperly

Complaint:
These accounts is reporting INACCURATELY it's reporting not as open but also shows a past due balance. According to the FCRA, I have the right to an accurate credit report. 

In accordance with the fair credit act XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX  XXXX, and XXXX XXXXXXXX # 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

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 2019-02-12
Company: Commonwealth Financial Systems, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This account {$340.00} for CommonWealth Financial for XXXX XXXX XXXX XXXX showed up on 2 of my credit reports XXXX and XXXX. It was from 2012 apparently and supposed medical bill. This collection account was purchased from XXXX XXXX XXXX XXXX and then sent to Commonweath Financial. I disputed said account as it only had my name and nothing else. I made calls for about 2 weeks and unable to actually verify debt. When disputing with credit bureaus Commonwealth advised debt is verified but there is no social security number, address has never been mine or the phone number listed. When you see my address on letters from CommonwWealth is because they got it when I disputer with credit bureaus. When I sent in verification of debt with Commonweath they only provided what was sent to them from XXXX XXXX. I have never once received an actual statement or bill regarding this and refuse to pay it. I think it is a shady tactic for collection agencies to throw these accounts on credit reports when debts are 7 years old to try and force someone to pay something that cant be verified other than a name. I have spoke to XXXX XXXX as well and they cant even verify anything outside of my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: MI
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 sent letters out to all XXXX credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or XXXX party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2021-05-14
Company: Winklevoss Exchange LLC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I made a error transferring etherium to Gemini and used the wrong network. The transaction is showing as in the waller address on my gemini account. I have attempted to e-mail gemini for help but quite a few days later I have not received a response and upon calling Gemini they will not deal with me only on E-mail which despite their website asking for 24 hours notice have not responded. 

I require my private key so i can transfer this mistaken money back out of the wallet or the bsc deposit sending back to my other wallet so i can correctly deposit the funds, Gemini 's own faq does say that they can provide private keys upon request but I am not bothered if Gemini send the etherium back the wallet it came from or provide me with my private key so i can do this transaction myself. 

The blockchain path is XXXX : XXXX MY gemini wallet showing the stuck etherium https : XXXX The wallet i sent from https : XXXX Gemini E-Mail XXXX Thankyou XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX XXXX XXXX XXXX recently reviewed my credit report and I found unauthorized account on records etc., XXXXExperian  an XXXX MY SOCIAL # XXXX to obtain my accounts In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.These are account I want DELETED AN ARE UNAUTHORIZED Has no permissible use and are not accounts that I have had relationships with an are reporting on my credit file without my consent.. 
are all unauthorized an have no Permissible use. 
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 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 please validate an delete at once

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 2022-12-20
Company: DigniFi
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:
I WAS NOTIFIED BY EMAIL OF A PROMOTION AND EVENTUALLY CALLED BACK WITH THE THOUGHT OF XXXX DOWN IF USING MY CREDIT AS A ASKED MULTIPLE TIMES ON THE PHONE... SHE SAID NO YOU WONT HAVE TO PAY NOTHING IF APPROVED AFTER BEING PERSUADED BY FALSE WORDING FROM HER SHE RAN IT WELL AS THE CREDIT WAS RAN I WAS ONLY APPROVED FOR XXXX THE SALE REP WORDS WERE " OHHH NO I DIDNT KNOW I THOUGHT IT WOULD POSIBBLY PAY ALL '' AFTER SAYING IT WOULD I OPTED OUT AND NEVER USED CREDIT AND CALLED ON A LATE FRIDAY THEY SAID IT WOULD BE REMOVED STILL NOTHING INTIAL EMAILS ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: NATIONAL ASSET MORTGAGE, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX I entered into a contract with XXXX XXXX out of XXXX, SC I immediately started having problems with them and I appealed to both attorney generals of s.c. and georgia Neither of whom could help me, then they started changing my mortgage around to mortgage companies they owned specifically national assets and XXXX XXXX. I entered into a loss mitigation contract with them last winter and they are now threatening to start foreclosure although I have kept up the payments. They, in XX/XX/XXXX made a notation on my credit report that they had signed the property over to me then after a complaint to the credit bureau they took it of my credit repoort although it was given to me in a bankruptcy, withut a deed to file it what can I do? I also have heard that they are planning on selling this property and several others to XXXX XXXX Isn't this a violation of the bankruptcy regulations and how could the credit bureau tell me they are talking to XXXX when National Assets put the notation on my credit report, which has now been removed and and I want to know WHY??? HOW?? 
Haave I no protection here? Now they are threatening eviction if I don't pay more by XX/XX/XXXX and we just heard farom XXXX today for the first time ... .They have flimsy contracts and ow they are threatening to cancel my loss mitigation with no reason and startbeviction check out my credit report I think it was XXXX in early XX/XX/XXXX, though it might have ben XXXX I have complained to BANKING AND FINANCE AND SENT THEM A BIG PACKAGE with pictures and everything

Company response to consumer: Closed with explanation