BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-30
Company: HW Holding, Inc
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
As a follow up to a previous complaint i was again threatened by HUNTER WARFIELD legal team member on XX/XX/2020 during a phone call where the male legal team member stated 'you just wasted a perfectly good cfpb complaint ' and further accused me of baseless claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: GOLDMAN SACHS BANK USA
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Marcus by Goldman sachs has frozen my account several times and " unfrozen '' it now several times, yet I am unable to deposit or withdraw my money. Every time I speak to them they say I am " in the queue '' to close and wire my savings back to a bank I can trust, however nothing has changed. It has been weeks now since I have been able to access my own funds. In XXXX, I began a {$20000.00} withdrawal to my brokerage account which was reversed by Marcus. I called when it was reversed and they said it was unfrozen. I initiated the transfer again, and it was frozen and called to have it fixed. They had no record of the withdrawal. A week later, I made a deposit to find the deposit was reversed with the status " account frozen ''. I have spent hours on the phone with various agents who have been unable to assist. This " savings '' bank has saved me nothing- they have effectively stolen {$20000.00} from me. Pure incompetence. The worst part about these idiots is that they don't even have a record of the reversals unless you find the right person in their fraud department, then all of a sudden your shadow record is available. SCAM.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My wife and I took out a home improvement loan for a pool the pool funds were sent to US Bank in XXXX of 2022. We were delayed due to construction of new suer installed around our property. when that construction ended I started making arrangements for the pool to be installed. I found out that the co borrower my wife took the funds from the bank lied to the pool company the financial institution and to me and misappropriated the funds for self gain and the US Bank refused to give any information as to where the funds went how they were used and who took them. I asked them for a complete investigation but US Bank refused to provide any information about the funds and told me that there was no fraud at there bank. I am filing this complaint because as a consumer I shave a right to know what happened to the funds I signed up for a pool the US Bank refused to give any details of the funds who withdrew the funds and where the funds are. As the primary person who is on the loan for repayment I ask for a complete investigation of those XXXX dollars deposited at US Bsnk in XXXX of 2022 this is bank fraud you can not borrow money from the lender for a pool on a home improvement loan and use the funds for self gain benefit defrauding the bank the pool company and the primary borrower she is in breach of the contract and may have committed forgery too thank you XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-15
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: Information belongs to someone else

Complaint:
I am a victim of identify theft the accounts listed in this doc and the doc attached have been furnished without my consent or my authorization. This has been damaging to my reputation as a consumer and violation of my right to privacy as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 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 XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX three fradulent checks were deposited using atm into my Chase Checking account for {$860.00}, {$890.00}, and {$980.00}. After the check amounts were credited to my account, {$800.00} was subsequently withdraw on the same day at an ATM. The following day Saturday XX/XX/XXXX two more fradulent checks were deposited to my account using ATM one for {$2300.00} and the other for {$890.00}. On XX/XX/XXXX three more withdrawals were posted to my account, one for {$1300.00} another for {$800.00} and another withdrawal that was made at an ATM on XX/XX/XXXX for {$500.00}. The next day on XX/XX/XXXX the deposit of {$2300.00} was returned due to ATM/Dep error then one week later on XX/XX/XXXX, two checks that were made on XX/XX/XXXX ( for {$860.00} and {$890.00} ) were both returned and my account became negative. When I noticed a couple days later on XX/XX/XXXX I immediately called Chase to inquire and dispute the fraudulent activities on my card. I was told my the banking associate that the transactions were made using my atm card and pin which I said was impossible since I had not lost my debit card, it was still in my posession and I have never disclosed my pin to anybody. Chase proceeded to close my account the following day on XX/XX/XXXX. Prior to my account going negative, my balance was {$940.00} ( {$700.00} excluding the fraudulent deposits ) and when my account closed I was - {$1700.00}. After i closed my account at the bank I was informed that I will get my money back and that the fraud department at Chase will notify me after investigation. I was advised to file a police report so I went and filed a report with the XXXX XXXX. Several days later, XXXX XXXX informed me that because the transactions were made in XXXX, I would have to go to XXXX to file a report. I lived in XXXX however so it was difficult for me to travel to XXXX especially after having all my money in my bank account stolen. I waited eagerly for Chase to get back to me and I finally received a letter in the mail that claimed after investigation they found the transactions were legitimate and I was responsible for paying the {$1700.00} back. I was unable to pay this amount and it was written off as a loss and I was banned from opening any other Chase account because of bad debt. But I was a victim from fraud and lost {$700.00} that was in my account prior to the first fraudulent check being deposited. I felt I was unfairly treated and never received the reimbursement for the money I lost because of Chases inabilty to safeguard my money and allowing fradulent activities on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I noticed a mysterious charge for a couple hundred dollars to my prepaid card. I called them up ( Blackhawk network ) and started a dispute. They told me to email in the required info. I did so, but they closed the dispute claiming I had never sent the info in. They said I could send it in to get the case reopened, so I sent them the same email again. They did nothing, and I called again and they claimed the previous rep had lied to me and refused to resolve this fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-01
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 information incorrect

Complaint:
On XX/XX/2021, Experian reported a collection account titled " XXXX '' with a balance of {$800.00} that was allegedly open on XX/XX/2021. I have no knowledge of this account and disputed it with Experian. However, Experian stated that XXXX validated the account was mine on XX/XX/XXXX. According to the information reported from XXXX to Experian, XXXX 's address is located at XXXX XXXX XXXX XXXX XXXX, XXXX, NYXXXX. Thereafter, I sent a debt validation letter to XXXX, which requested documentation for this alleged account and requested XXXX to provide proof that the organization is authorized to collect debt in the state of Ohio. Please see attached for the letter. This letter was received by XXXX on XX/XX/2021 at XXXX XXXX ET. See attachments from the United States Post Office tracking system, which shows the letter was received. As of today, XX/XX/XXXX, XXXX XXXX ET, 30 days have past and a response has not been provided by XXXX. This is a violation to the Fair Debt Collection Practices 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 explanation
Consumer complaint received 2021-07-02
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
They have not sent me anything in the mail or any other correspondents to verify a debt which violates my federal rights according to Fair Credit Reporting Act and FDCPA. I want to exercise my right to lawful question the validity of a debt from a company that is not even allowed to collect anything in the State of TN. They are not licensed & bonded as required by State of Tn.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Around the week of XXXX ( XX/XX/XXXX ), I misplaced/lost my debit card. That same week I contracted XXXX, so I wasnt really looking for my debit card since I was very sick. I didnt notice that my card was lost until around the first week of XX/XX/XXXX. As soon as I noticed the card was lost, I logged on to my online banking account and Locked the debit card from being used and I noticed that my card had been used without my knowledge. I contacted Capital One on XX/XX/XXXX ( I believe thats the correct date ) to inform them of what transpired. I told them Im just getting over XXXX after being confined to my house for about XXXX weeks or so I noticed that my card had been used without my permission. Theres roughly $ XXXX {$1300.00} worth of fraudulent transactions on my account. The bank representative takes my claim information down and states that I should receive a temporary credit that matches the amount of money spent from the fraudulent transactions. Three weeks or so goes by without receiving any correspondence from Capital One, I logged on to my online banking account and to my surprise, Capital One had reversed the temporary credits they had initially given me. I contacted them to discuss this matter around the the last week of XX/XX/XXXX, the representative told me that the credits were taken away because some of the transactions had been placed at stores that I had went to in the past. I tried to plead my side of the story to them that my card was probably lost at the gas station thats close to my home, so there probably would be transactions from merchants that I had previously done legitimate business with in the past. The bank representative also stated that I had logged into my Online banking on a date not too long after my card had been used. I tried to explain that my wife logged into the account to pay on out automotive loan ( which is also with Capital One ). The bank representative didnt want to accept that response. I asked for a manager. Once the manager came in the line, he stated the same thing that the previous representative had stated. So, at that point I assumed there was nothing I could do. I did some research and found the Consumer Finance website and figured this may or may not help. I work hard for my money, I hate that someone was able to steal my money and my bank accused me of doing this to myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-01
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
In XXXX I enrolled into the XXXXXXXX XXXX XXXXXXXX Diploma Program from XXXX XXXX XXXX, which prior to being shut down due to fraud, was based in XXXX, XXXX.I was at this school from XXXX XXXX XX/XX/XXXX. In order to pay for the program, the school had me take out student loans. One was a federal loan ( {$6700.00} ) and the other a private loan through Navient Solutions ( {$27000.00} ). 

Recruiters from XXXX XXXX XXXX misrepresented to me the career outcomes of students who complete their program and provided false information about the career services that they would provide to students once they completed the program. They said that upon completion, students would be able to find well-paying, full-time careers related to the program of study. The recruiters also promised that students would receive robust career support as they looked for a job upon completing the program. This supposed support was said to include help getting connected to employers that the school had a relationship with and being referred to full-time well paying positions. These two reason were pivotal to me deciding to attend the school. Upon completing the program, I sought to receive career help. The only support I received from the school was to get connected with a few temporary part-time gigs. While I took these opportunities, I continued to see if they would be able to connect me with full-time opportunities, as they promised. However, they never provided such opportunities and eventually they told me that there were no employers who were hiring. 

I no longer went to receive their help and began looking for employment opportunities myself. I continued to apply to jobs that were related to my field of study, but soon found out that I did not meet the qualifications for these jobs. Apparently, the education that I received from XXXX XXXX XXXX was insufficient to get a career in the field. This was another false claim made by the school that I discovered soon after completing the program. Unfortunately, I was never able to find a fulltime well-paying position and have been stuck in debt with the loans that I took out in XXXX which has grown to over {$25000.00}. Again, if the recruiters from XXXX XXXX XXXX did not provide me with false promises about my career prospects and the support they would provide to me upon completion of their program, I would have never attended their school.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
I entered a consumer credit transaction with Bridgecrest/XXXX on XX/XX/2017 which involved a finance charge along with a down payment of { {$1600.00} } cash. Pursuant to 15 U.S. Code 1605 ( a ) finance is charge is the sum of all charges in a consumer credit transaction and does not include cash. Bridgecrest/XXXX  is in violation of the 15 USC 1605 Truth In Lending Act. Bridgecrest/XXXX  didn't offer any insurance, they failed to disclose to me my right of recession, and failed to provide me with the appropriate forms to exercise my right which is a violation of 15 U.S. Code 1635. As a federally protected consumer under Title 15 Chapter 41, my rights have been violated and Bridgecrest/XXXX  is XXXX  liable, pursuant to 15 U.S. Code 1611, and also civilly liable, pursuant to 15 U.S. Code 1640 and 15 U.S. Code 1692K. Please find attached proof via an Affidavit of Truth and Exhibits which have already been sent to the company and in return I only received back a generic customer service response which I will also attach. I appreciate your help in solving this matter. Thank you.

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 2021-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This letter is formal notice that XXXX  have failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date. 
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. 

1. This account is incorrect status, balance is wrong. 
XXXX XXXX Please remove it from my credit report. I was never late on this account. Amount of limit is wrong.

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 2022-10-26
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed on consumer credit reports that theres unauthorized inquiries on my XXXX, Experian and XXXX reports. Someone applied for something using my name and SSN. I am uploading supporting documents that the Illinois department of human services website was breach by hikers and important information was breach

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Wells Fargo attempted to collect on a debt during protected times on business phone and continued to call after I alerted them it was a business phone. Calling multiple times per day.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Was overcharged before my account was completely open.

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 2019-05-03
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I qualify for student loan forgiveness, having XXXX for 25  years. I am XXXX now and never missed a loan payment. I merit to have the remaining {$5000.00} balance dismissed by Navient and DOE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: Experian Information Solutions Inc.
State: OK
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 had broken a lease in 2016 due to someone breaking into my apartment. That person lived in the same complex. I notified the police and they came out and didnt an investigation. I shortly after moved out. I am now having this apartment company put collection info on me. In Oklahoma all you need to do to break a lease is have your livelihood jeopardized or in danger. They ( XXXX  ) are reporting that I accrued this {$1500.00} in damages and other fees which is a fictitious lie. They are actually trying to get the three months rent. I have disputed this 3 times with Experian to no avail.

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