BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-04
Company: EQUIFAX, INC.
State: TX
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:
After being denied credit, I pulled my report and noticed several loans I did not obtain. All loans were taking out during the same time frame, obtained online and used my old address, a different variation of my name and or the wrong or variation of my social ( ex : just the last XXXX digits but not the full social ). 

I contacted the credit bureaus and was told to obtain a police report, get a signed affidavit of identity theft and report the accounts to the federal trade commission. per the bureaus request I did all of these things and sent them a packet certified mail with the information. 

In turn the bureau did not : 1 ) properly investigate my claim 2 ) will not inform me of whom they spoke with concerning their so-called validity that these accounts belong to me. 

All the bureau did was place an identity theft alert on my file BUT told me I wasn't an identity theft victim which makes zero sense!!!! XXXX of the accounts, have been removed/blocked before but the bureau keeps allowing the reinsertion without proof it is mine and despite the fact they keep changing their name but has the same account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Over draft fees, couldnt cash checks, and etc.

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 2021-12-28
Company: Genesis FS Card Services, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account does not belong to me I have contacted the original creditor and collections agency to verify the validity of this account and have yet to receive proof of ownership of the account or service rendered. XXXX XXXX amount owed {$720.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: Experian Information Solutions Inc.
State: NC
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 am XXXX XXXX XXXX, around XX/XX/2020. I extended my credit to XXXX  XXXX for the purpose of obtaining a credit card, XXXX  XXXX  has committed fraud with my personal information, I have sent XXXX  XXXX a notarized affidavit of truth as well as a cease & desist. I have certified receipts for each time XXXX  XXXX accepted your documents, yet this company has ignored my legal demands. I AM seeking civil liability, because XXXX XXXX has violated THE FAIR CREDIT REPORTING ACT, THE FAIR DEBT COLLECTION PRACTICES ACT AS WELL AS THE FEDERAL PRIVACY ACT.

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 2023-12-15
Company: Affirm Holdings, Inc
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I had a loan with affirm that I've paid off. In XXXX, I asked Affirm customer service for a disclosure of how my information has been used or shared. I asked to delete my information and to close my account afterward, in that order. I kept getting the response that they will forward my request to the proper department and that department will process my request and get back to me. I've called several times, the last time XX/XX/23. Again, I was told I would get a response within 3-5 days. I was given case numbers along the way. However, every time I called back, this new representative denied funding any information linked to the case number id been provided at an earlier interaction. The final case # from XXXX : XXXX. 

I just logged into my account to attempt to close my account that way. Again, their system leads me through a fictional process to close and then I get a message telling me I can not close my account. 

Affirm 's privacy policy outlined my right to request, delete my personal information but when I try to invoke this right, I am told I can not. 

I am asking the CFPB to help me regain the management of my personal information and my financial information that is stored on Affirm 's website

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

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 response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Netspend Corporation
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Changes in terms from what was offered or advertised

Complaint:
XX/XX/XXXX I reported my card stolen. I had XXXX on it. They agreed to cancel and send new. Well XXXX came and I still had no card.. and no way to access my funds. XX/XX/XXXX I was finally able to get into my account to see the shocker. It was negative almost XXXX. And then I see that {$600.00} stimulus was loaded on it and netspend kept that too. So XXXX XXXX is gone. Then I see a few days ago that {$1400.00} stimulus was deposited into the account and netspend blocked me out of it. I called. I argued I've fought. They said send documentation of identity. I've sent my ID 10 times not kidding. I've sent my social security card I've sent my car titles utility Bill 's insurance papers birth certificate 10 times. Each time they pick apart a reason why they wont accept it. I answered question about myself even the government wouldnt asl and they have flatly refused to release my money. I want it opened long enough to transfer my funds into my bank account that is it. And they refuse. I feel like they stole the XXXX and now my XXXX from the government stimulus check. They also sent me a message letting me know they took there fee out 7 times. Please I beg you please help me get those crooks to give me what rightfully mine. They have no right to hold it and I feel like I'm being exported.

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We ( my wife and I ) had 2 homes mortgaged that were both serviced by and/or foreclosed upon by Wells Fargo XXXX after several attempts to complete a loan modification with them. We received a letter explaining that we were entitled to a portion of a settlement from a lawsuit against them for a XXXX XXXX XXXX that was over charged. We tried to notify them that we never received our settlement check and had moved but they never confirmed how to get my check and gave me the run around when we attempted to give them our new address. We never got that settlement payment. 

We have also been made aware that there has been a settlement regarding actual foreclosures. We were never reached out to, at our current address. We believe we are entitled to a settlement due to the improper foreclosures as well. However, Wells Fargo refuses to acknowledge our change of address and send us our settlement checks.

I am enclosing a copy of the first page showing my wife 's and my name on the letter we received, a copy of the second page, acknowledging that we had a home loan with Wells Fargo between XX/XX/XXXX XXXX XX/XX/XXXX. I am also showing an old credit report that shows the Wells Fargo loan that I had in my name. However, there was a second home we had with them that was in both my wife 's and my name. We attempted a loan modification on both home and both homes were foreclosed upon.

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 2018-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
In my credit report CAPITALONE ACCT # XXXX shows a late payment on XX/XX/2013, the information is incorrect, this account was setup in automatic payment and they made a mistake in processing the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: KEYCORP
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Keybank is withholding my funds ( {$3000.00} ) without cause for 2 months now. Im spending near 20 hours a week on the phone with both keybank and the dept of labor and would like to file a complaint against them both. DOL has informed me they have been emailing them nonstop since Thursday, Ive submitted all identification and proof address that they have requested and told me theyre working on it, 3 more days for the last 2 months. I dont have a XXXX to my name but I can see {$3000.00} on a card the status of which is DEPOSIT ONLY ( you know just to add insult to injury ). Keybank informed me they havent received any contact from them at all as of yet. I have names and employee Id numbers for these rude people as well some of which are VERY rude. It is impossible to get them on the phone and when you do theyre resentful and want to express disdain for your suffering. My cat just died I have to pay the vet XXXX $ for the cremation. I do not have a dime. Only {$3000.00} thats being withheld from me without cause and I would imagine unlawfully. These people are lying to me, they keep me on the phone all day and then hang up on me after being on hold for hours without talking to anyone. I WANT TO FILE A COMPLAINT AGAINST BOTH PARTIES AND IM TAKING TO SOCIAL MEDIA TO PUT THIS ON BLAST TO ANYONE THAT WILL HEAR IT RIGHT NOW

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I submitted a wire transfer request form to the Citizens Bank   Branch XXXX in XXXX XXXX, MI on XX/XX/2019 to send {$3000.00} to my niece in XXXX.. Money was needed urgently for hospitalization expenses for major XXXX XXXX XXXX related treatment. 
I provided the bank account information of my niece ( phone copy of her check book page ) to the bank clerk. Form was completed with wrong account number!! Bank clerk put the routing number as an account number!!! As a result, transfer did not go thru and Citizens Bank decided to recall the amount rather than giving them the correct account number. 

Now, the money is hung up some where between the XXXX XXXX, XXXX XXXX, or the intermediatory bank, XXXX XXXX XXXX, or the Citizens Bank at my branch. I requested Citizens Bank to track the money recall but nothing has been done. I contacted XXXX XXXX  XXXX ahd they assure me that the money was wired back to US banks. 
Now, someone in the US, either XXXX XXXX XXXX or Citizens Bank is holding my money????? 

I will consider this as a banking fraud and seek legal action thru the Attorney General of the State of Michigan, if I do not get satisfactory resolution from your office, or an assurance from Citizens Bank, that the money will be re-deposited to my bank account within 7 days .... 

Reference : ; Citizens Bank Wire Transfer Request No XXXX. Phone Number of the Citizens bank branch XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-05
Company: Receivable Solutions LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
In XX/XX/XXXX, in South Carolina, I was involved in a motorcycle accident. I had full coverage on my motorcycle, provided by XXXX. I am also a XXXX XXXX and was at the time of the accident as well. I was transported to the emergency room by ambulance, in XXXX, SC. Instead of XXXX XXXX XXXX XXXX charging either my XXXXXXXX XXXX coverage or my motorcycle insurance, they charged me. I have been at bat with this company for the last XXXX years. Most recently on, or about XX/XX/XXXX, I had a XXXX XXXX representative speak to " Receivable Solutions '' on my behalf in a conference call with myself, the representative, and the agent from Receivable Solutions. 

The agent, who would not even give me his name, told me that they billed me. The XXXX Affairs confirmed, they never received a bill. If they had received the bill at the time, it would have been paid. The VA representative asked for this " medical debt '' to be taken from my credit report, due to the billing issue caused by " XXXX XXXX XXXX XXXX '' and not me, the XXXX XXXX. The other reason was the age of this medical debt. 

The agent was probably one of the most rude individuals I have ever had the unluckiness to speak to. He would not budge, from where Receivable Solutions was standing. He insulted me and the representative from the XXXX XXXX XXXX. This was a billing issue with the XXXX XXXX XXXX XXXX, they could have easily billed my insurance or billed the XXXX Affairs. I was just in a XXXX XXXX, I had no control over what paperwork that needed to be filled out. I had no cognitive function at the time to be capable of fixing this discrepancy. Since then, I have tried my hardest to get this off my credit report. I had not XXXX, but XXXX fail safes in place for medical at the time of this accident. INSURANCE VIA XXXX and XXXX XXXX VIA THE XXXX XXXX. They billed me, a XXXX XXXX Instead of billing my XXXX XXXX benefits or my motorcycle insurance. I want this resolved, it has held me back long enough. 

They are now saying my taxes will be garnished for not paying the medical bill. This was their own fault for taking advantage of an individual who was just in a XXXX XXXX and could not speak. You would think if an individual comes into an XXXX XXXX  via XXXX, they would assume that the person had at a minimum vehicle insurance. A XXXX XXXX, who signed the blank check, has a medical bill issue and is getting harrassed every day, I guess this is the America my brothers died for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: CREDIT ACCEPTANCE CORPORATION
State: WV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have filed a complaint with Credit Acceptance Corporation and the complaint is open with CFPB awaiting the companies response. I was reached out to buy XXXX XXXX by telephone and email whom I did speak with and I think we resolved the credit reporting issue however now they have locked me out of my account and I can no longer see the loan status, payment status, early pay off amount or anything pertinent to my loan on there Website. I am ahead on my loan and paid up until XXXX or XXXX of 2023 and I'm not sure what there cooking up behind the scenes while I have been locked out of my account for simply opening a complaint with the CFPB but from all the complaints currently available to the public about this company they are very untrustworthy and I want it to come to a halt immediately. I was told by XXXX XXXX the Compliance Analyst that if I wanted to see my account information online again that I would need to cancel my initial complaint with the CFPB about there credit reporting tactics. What this company is doing is unlawful and I am protected as a consumer from these tactics so this is an easy problem to fix however I feel it is escalating and it does not need to when the loan is XXXX dollars away from being paid off.

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 2019-11-27
Company: Navient Solutions, 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: Problem with personal statement of dispute

Complaint:
Navient Department of Education ... Student loans are reporting past due and will not fix the reporting of past-due student loans. loans we consolidated during the time and have all been paid off! Paid off XX/XX/2019 {$63000.00} Loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: Nelson Cruz & Associates LLC
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX had a collections account under mine and my wife 's name which was disputed, resolved, and removed from my wife 's account on XX/XX/XXXX. As this amount of {$1400.00} was a joined account, the account was closed and all debts associated with this account should have been dissolved and removed from our credit reports. As mentioned, XX/XX/XXXX it was removed from my wife 's, but not mine. XX/XX/XXXX I started receiving extremely threatening calls from a XXXX  XXXX at Nelson Cruz & Associates stating " mine and my wife 's wages would be garnished, our house is being taken away '' constant use of obscenities, threats and more. We explained the debt was disputed and removed. After contacting XXXX XXXX, we saw the account was never removed from my report as it should have been. We disputed the amount due to the situation of the account already being closed out, and send a letter ( certified with return receipt ) stating that as the FCRA allow, we did not want to be contacted about this account as it was being disputed. The harassing calls did not stop there. Upwards of 7 calls a day I am receiving, and now they have my wife 's information and they are threatening her to the point of feeling mentally and physically violated and threatened. The rep who has been harassing me contacted my wife saying that the account is going to go back on her credit even though ti was disputed. And proceeded to throw several obscenities and threats her way to the point of being visible shaken. We are concerned now that this new agency has the information, even though they shouldn't, that they are going to try to get this money for which has already been closed. Are they able to add this back onto my wife 's credit report? What are our rights or next step?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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

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 2022-10-13
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: Their investigation did not fix an error on your report

Complaint:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a call today from XXXX XXXX XXXX XXXX and one previously several months ago. Caller says name is XXXX. I called back today and they were XXXX XXXX, and woman said I had received a cash payment from AmericanExpress that was not repaid. 
I have never had a cash advance from any credit card company. I have not, to my knowledge, had an AE card ever and my ex. XXXX Husband had one when we were married in the XXXX and XXXX. I was told they are filing charges! They DID have the last 4 numbers of my SS #. 
I have no debt. I am now a single XXXX yr. old woman. I have one XXXX Master Card I pay in full every month. I have no loans, no mortgage, own my own car outright, and am not a deadbeat and never have been. My credit score is XXXX. 
I get very upset when I get calls like this and want them to stop. I have had my identity stolen about XX/XX/XXXX and the FBI became involved because my SS was stolen, my rebate never came from IRS because another person filed in my name and received some debit card which they had requested as the form of rebate. 
Please help, and let me hear from you. XXXX XXXX. email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: ADIR INTERNATIONAL LLC
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I believe I am paying an interest that exceeds the limit of my state, I have asked them to review it or provide me with the information regarding the value, but unfortunately, they have not responded to my communications

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation