BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-18
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: Was not notified of investigation status or results

Complaint:
Agencies do not always update information on credit reports in a timely manner, which can lead to inaccuracies and inconsistencies on my report. I do not always have access to all of the information that is being reported on my credit report, making it difficult to identify and dispute errors or inaccuracies.

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 2023-04-18
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Several months ago, I opened a CD with XXXX, now owned by Webster Bank. The CD with over {$250000.00} dollars matured on XX/XX/2023. I called yesterday, XX/XX/XXXX to close the account and have the funds sent either back to my bank account where they came from or to have a check sent to my New York address, which the bank has on their file. This is when the nightmare started. The person I spoked with asked me the typical verification questions, my phone, e-mail, address and four digits of my social. After that, she said a code will be sent to my phone, a few seconds later she said that did not work and she will need to ask me five questions. Some questions were stupid, like remembering the plates of my cars, but still I know I answered them correctly. The person told me right away thay I failed and I had to wait 24 hours to call again. I told her this was not aceptable and I wanted to speak with a supervisor. She said the supervisor acll me in about 30 minutes. NO call after two hours, so I called again. This time I was told I could go to any Webster bank branch and have them close the account and give me a check. I went to the XXXX XXXX branch in XXXX and was told they could not help me because it was a XXXX XXXX account. I asked one of the managers there to call XXXX so they can verify it was me and close my account but the person at Webster was told the same story, they just could not help. I was upset and called XXXX myself while at the bank. The person I spoke with refused to speak with any of the XXXX employees to verify my identity so she gave me another set of five questions. I answered them correctly again and she told me right away I failed and will have to wait 24 hours and that was the end of it. No further explanation. Five hours later, the supervisor called me, her name XXXX XXXX XXXX phone XXXX XXXX. She apologized about the incident and said since the account was opened online they can not do anything. She promised to call today at XXXX XXXX. She called at XXXXXXXX XXXX, again I was given the set of five questions instead of the text code to my del phone. I wrote each question so I know I answered them correctly, yet I was told by XXXX XXXX that I failed the verification. I told her this was not acceptable and I wanted my CD closed and my money inmediately. She told me she will call after she talks to her superiors at Webster. The day ended and never heard back from her. I went online and realized there are hundreds of similar complains against XXXX and Webster Bank. I am not the only one that has this problem. It is very clear Webster Bank is running a scam to keep the funds of the clients longer tha they need to be held and all that time whithout paying any interests. Please help me to get my {$250000.00} dollars back and stop this bank from running this scam with other inocent clients. Thank you for your help. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2018-10-15
Company: LDF Holdings, LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On or around XX/XX/2018 I received several emails soliciting a Personal Loan via this Internet Lender. I fill out needed application and received a phone call from a female Representative of Amplify Funding. She ushered me thru the Loan signing process, claiming that she needed to get this done Quickly, If I wanted to get the Funds the same day and not have to wait until the following Monday. She put me on hold and shortly return with a {$750.00} Loan Approval ... ..half the amount of what I requested. ( {$1500.00} ) While we were reviewing the Terms of this Repayment, I complained that the monthly payment was very high at {$250.00} and she responded in saying that " I realize that this is an expensive form of borrowing, this is why we encourage you to pay the Loan of as soon as you can '' After struggling with the decision to move forward with this expensive Loan repayment, I decided to move forward with the Loan ( Dictated by my circumstance ) and that I would repay the loan on my next Pay Period ( 30days ). As a result, with in 10 days Amplify Funding was attempting to draft Funds out of my Account, when I called to ask why they are drafting Funds out of my account already ... ... I was told that my payment of {$250.00} which I adamantly argued was ridiculously high for a {$750.00} Loan was actually a Bi Weekly payment and not a Monthly Payment ... .and I was blown away. Amplify Funding 's Female representative had ample time to disclose this information to me regarding bi -weekly payments ... ... especially since I made such a fuss about the payment being to high and borderline Predatory. I was never told that this would be $ XXXX monthly Interest on a {$750.00} Loan ... ... this is totally unacceptable in terms of a repayment agreement ... ... I am paying back 68 % of the {$750.00} Loan in less than every 30 days.

How in the world is this Legal ... ... I am hoping that the CFPB will assist me in gathering the recorded conversation of this call ... ..and review the Representatives neglect to inform me ... ... of the Actual Terms of this Loan. By the time I was able to go back and review documents ... .money had already been transferred into my account and I could not get anyone to answer the Phone # I was given. I was rushed through this process ... ... and not made totally aware of the actual terms of this Loan and its repayment.

Please Advise ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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 explanation
Consumer complaint received 2023-09-25
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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all 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 2021-04-09
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I reached out to the company I C Systems to Request a cease and desist On attempted collection of debt from XXXX because it is past statute of limitations for the state of Florida. Florida Statues State that the statue of limitation on store debt is 4 years - FL STATUTE 95.11.3 ( k ). Torte law calculates that the limitation is computed from the last date of activity on the account not the collections date. The account was from XXXX last date of activity was XXXX. After expressing my request for a cease and desist based on law I was placed on hold for more than 15 minutes. Eventually they returned and told me that they would not stop attempted collection and that if I wanted to put the debt on a payment plan I could. I informed them that they are violating Florida law by attempting to do that and was told that they do not practice law and that if they were violating the Florida statutes they wouldnt be trying to collect the debt. I have attempted to resolve this issue with XXXX directly however they have been acquired by XXXX and I was informed that I therefore have to dispute the debt with the collections company.

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 2022-10-14
Company: U.S. BANCORP
State: MN
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:
On XX/XX/2022 I received a call from XXXX which is the US bank XXXX XXXX XXXX  and also the bank that I Bank with. The person on the line said that they were with the fraud department and that someone was trying to access my funds via XXXX I explained to the representative I had never used them and so I did not know how that could be happening or how it worked. The representative told me that I needed to follow her instructions in order to catch the person that was trying to access my funds. So I assumed it was legit since it was coming from the XXXX XXXX. I have that number in my call log it called me XXXX XXXX on that XXXX. I unknowingly followed the representatives instructions which gave someone access to my funds and sent them {$2000.00}. The representative assured me I would get my money back as they were tracking the person who was doing it and trying to catch them. The following morning I went to the bank and spoke to a representative and also called the XXXX department and they told me that there were similar scams going on within their bank and that they knew it was fraud and that they would launch an investigation and refund my money in up to XXXX XXXX XXXX XXXX later I received a letter stating that they have denied my claim and that I will not get my funds back. I need help I have been banking with this bank for XXXX XXXX I am a XXXX XXXX XXXX XXXX who has been on his job for XXXX XXXX I get XXXX XXXX XXXX XXXX. I really need help getting my money back and can not afford to be without my {$2000.00} as I have a family to take care of and bills to pay. The bank needs to follow this money and see where this money went and also do an internal investigation since the number that was calling me was their XXXX XXXX Can you please help me get my money 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 2022-04-28
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Creditor name Credit collection services violated my rights and unlawfully has reported to all three of the credit bureaus. How they violated my rights and unlawfully reported to my credit report because they haven't notified me of any debt so I may dispute the debt in which the debt comes to find out isn't mine. I haven't received any letter, email nor call from either them or liberty mutual in the debt amount they are trying to pursue. It has been known, I have been a victim of fraud which resorted to subject towards a credit freeze recently because someone is using my social security number to apply for various of things without my knowledge or permission. I am seeking to request due to the circumstances this collection to wipe off my credit report due to the violation rights and fraudulent activity.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: Nelnet, Inc.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My first contact to Nelnet to request my full payment history was back around XX/XX/XXXX. 

They did send an encrypted message that did not even show the full payment history and i couldnt view the file. I called Nelnet customer service and requested that the history be mailed to my address. 

This has not been completed. I have since emailed the request for the payment history multiple times and each time I get the run around. This last time on XX/XX/XXXX has not even been responded to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: Experian Information Solutions Inc.
State: FL
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:
This is XXXX XXXX XXXX XXXX XXXX, and I am dispute to dispute the fraudulent items listed on my credit report. I recently received and reviewed a copy of my credit report and was shocked to find that there are several items that I did not open and have no knowledge of. The items in question are as follows : XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4700.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$970.00} XXXX ( Original Creditor : XXXX ) XXXX Balance : {$970.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. I am requesting that you investigate these fraudulent accounts and remove them from my credit report as soon as possible. I understand that the Fair Credit Reporting Act requires you to conduct a reasonable investigation into any disputes, and I am confident that you will find that these accounts are fraudulent and should not be listed on my credit report. Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the fraudulent items have been removed.

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 2023-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Capital One offered a great opportunity for a CD. Offer was 5 % APR for 9 month term. I opened the account on XX/XX/XXXX and requested a transfer from XXXX of {$190000.00} to fund this CD. CD was never funded and I have no idea why. Ive contacted them several times. Was told they have had a lot of issues opening these account and that they would look into it, give them 30 business days and they would have an answer. Yesterday, XX/XX/XXXX was 30 days. I called today and they still have no answer as to why the funds transfer did not complete. They have no answers and will escalate yet again. In the meantime my brother opened a CD and has earned $ XXXX. Ive lost out on interest because of their issues. Not right for them to offer and not fulfill. 
Account states initial deposit of {$190000.00}. See picture below. Balance now states XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received an alert from XXXX XXXX- a debt was filed against me on Equifax from a company called XXXX XXXX XXXX for a debt from XX/XX/2016 from XXXX XXXX XXXX which services XXXX XXXX XXXX I have not lived in XXXX XXXX in over 15 years which I explained to Equifax- This collection agency did not provide an account number or a service address. I filed a dispute with Equifax and they did a half XXXX investigation and seems like they are going by this company 's verbal statement instead of asking for information verifying this was my account. I contacted this collection agency today explaining why I was calling wanting the information verifying the account and stated I will not provide any banking ; credit card or social security number and they hung up on me. This is a total scam. Why would it them over 6 years to find me?? I was not in hiding. If this is my account, this company should have no problem providing an account number and service address in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Experian Information Solutions Inc.
State: FL
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022

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 2023-01-11
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This is my third complaint about XXXX. They asked me to dispute items on the XXXX  report to the tune of which I have I have also asked to see if XXXX  understand and be the liaison to the fact that I am disputing the entire report the entire report is incorrect all XXXX pages every bank of the United States on there plus a fraud alert none of that is accurate and XXXX asking that all be removed or for them to explain why its on there and I keep getting the same XXXX redundant statement we are XXXX  XXXX creditor. That has nothing to do with my dispute its just passing the buck like they always do. I have tried to get this cleared for XXXX XXXX  and it doesnt go any further than where we are now because XXXX refused to prove that I have these erroneous accounts and they just go with what their third-party data collector says deliver credit check systems other data collector is wrong give me a break XXXX speeding every item on that report all XXXX pages that should be an indication. Who has a report XXXX pages long and has no bank account he cant get XXXX but doesnt owe

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