BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-09
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I am a victim of XXXX XXXX After being denied access to opening a checking account with a credit union. I ordered a copy of my Chexsystem report. I noticed on the chexsystem report fraudulent accounts that were opened under my name XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, and XXXX XXXX. My consumer ID # XXXX. 


I request that you provide me a description of the procedure you used to determine the accuracy and completeness of the bank 's information. Please send this information to me within fifteen ( 15 ) days of the completion of your reinvestigation. In addition, please provide the name, address, and telephone number of each person you contacted at XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, and XXXX XXXX  regarding my alleged account. 

I also request a copy of any documents submitted to you by XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX, that bear my signature and show that I have a legally binding contractual obligation to pay them. 

Be aware that this is my final goodwill attempt to have this matter resolved. As it now stands, the information you have presented to me is inaccurate and incomplete and represents a serious error in your reporting. 

It is my understanding that your continued failure to comply with federal regulations can be investigated by the Federal Trade Commission ( see 15 USC Section 41 ). For this reason, I am maintaining a careful record of my communications with you should I need to file a complaint with the FTC and the state of Florida Attorney General 's office. 

If you do not respond within ten ( 10 ) business days, I am prepared to take legal action against your company for causes of action including, but not limited to, defamation, fraud, and violations under the Fair Credit Reporting 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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 

Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXXXXXX  Account Number:XXXX  Account Name : XXXX XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05
Company: Atlantic Recovery Solutions LLC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Atlantic Revovery Solutions has repeatedly called my family members and harassed me over a debt that I do not owe. I contacted the original creditor in the situation and they said that none of my personal information I provided them matches what that had on file. They said I was most likely a victim of identity theft. They also said that the account was closed at XXXX balance and that I should report Atlantic Recovery Solutions to the credit bureau. I want to make sure moving forward that this account that was not mine isnt going to be tied to me. The original Account was created with a different drivers license than was mine, a different email, and phone number, and a different address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: HUNTINGTON NATIONAL BANK, THE
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I noticed a withdrawal from my personal checking account with Huntington Bank for {$1800.00}. The electronic version of the check that appears on their website has a name and account information that is unknown to me. I called the bank at XXXX CST to report the issue. During the 30-minute conversation, I was largely placed on hold. At the end of the call, I was told that the issue was caused by a machine glitch, so a stranger 's withdrawal was taken from my account. The issue was allegedly escalated to a supervisor, but I was instructed to visit a branch in person to resolve the problem. I visited the bank location on XXXX XXXX in XXXX, Wisconsin on XX/XX/XXXX around XXXX CST. I was told that the problem could not be resolved at the branch, but a case was created for it, and it could take up to 3 days to handle it. I immediately called Huntington again at XXXX. I was on the phone with them for 21 minutes again, largely on hold. They said that another case was created for it, and I may not get my money back until XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-15
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/XXXX Today, I open up a letter from Wells Fargo alerting me that all five of my accounts will be closed on XX/XX/XXXX. 

I have banked with Wells Fargo for over 17 years. I have plenty of money in the bank and haven't overdrawn on any of the accounts. When I called this morning and spoke with " XXXX '' in the executive office, she said that she could not give me an explanation and that this was a " business decision '' by Wells Fargo. 

It is not right and it is unfair to close an account much less all five without giving reason. As far as I am concerned, this is no good reason. I am an upstanding U.S. citizen and give thousands of dollars each year to the church! This is a travesty of justice! 

I am requesting that an investigation take place regarding Wells Fargo Bank in regards to my accounts and their banking polices in general. I am also requesting that all five accounts not be closed but remain open and in good standing.

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 2023-07-04
Company: HYUNDAI CAPITAL AMERICA
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2023, I entered into a settlement offer with XXXX XXXX which is the third party collection agency that represents Hyundai Capital America. I originally owed {$7500.00} to Hyundai Capital America. Between XX/XX/2023- XX/XX/2023, I have made payments totaling {$3800.00} per the settlement agreement and have satisfied my obligation. I received a letter from XXXX XXXX indicating that I have met my obligations and they have submitted documentation to Hyundai Capital America indicating the same however, Hyundai Capital America will not update my credit report. XXXX XXXX have stated on numerous occasions that they have provided all documentation to their client, Hyundai Capital America however, Hyundai Capital America continues to allege that XXXX XXXX have provided them with nothing. I've offered to send the settlement in full letter to Hyundai Capital America however, they told me that even if I send the letter, they will not update my credit report without the actual correspondence from their third party collection agency, XXXX XXXX. I have even offered for all three parties ( myself, Hyundai Capital America & XXXX XXXX ) to do a conference call to assist in resolving this issue however, both XXXX XXXX and Hyundai Capital America refuse to cooperate with me in doing so to resolve this issue. I have requested to speak with managers with both organizations to no avail in a resolution.

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 2021-05-28
Company: ROBINHOOD MARKETS INC.
State: FL
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 had an account with Robinhood, and i was having some business difficulties in paying some bills so i applied for the PPP Loan. 

i successfully passed all the process and was approved of the loan. i got the deposit in my Robinhood account. Going forward i tried to order some goods overseas with some of the amount i got from the PPP loan to help boost my buisness and suddenly Robinhood restricted my account from withdrawal.

Its been going to 3 weeks now with lots of complaint made and also submitting all requested documents and identification methods asked by the Robinhood support system, only to be sent a mail today that my account will be permanently closed and money returned to the originator. Funds i will be liable to pay back, that i have already started using. This whole while i submitted every single document asked of me to verify my account and also make sure i sort this out. 

But they have decided to close my account in a fishy manner and return my already Approved loan which i have used more than 40 % already. I see this as an unfair move to make life miserable for small business owner like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I was transferred to Mr. Cooper from XXXX. On XX/XX/XXXX, XXXX transferred the remaining escrow balance in my account to Mr. Cooper in the amount of {$5000.00}. On that same day, the {$5000.00} is shown leaving my Mr. Cooper account then subsequently being reapplied to my account. On XX/XX/XXXX, the amount was again deducted, reapplied, and deducted once more. For two weeks, I let the account sit to see if the money would come back. I called and was told they would check on that for me and call me back. I received no callback. I called in again and was escalated and told the issue would be resolved. No resolution. I called a third time. A week after my third call, an amount totaling {$4700.00} was applied to my escrow, short {$260.00} of the total missing amount. I've since called a fourth time and been told the issue was still active with account services and to expect a response by Friday ( yesterday ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Genesis FS Card Services, Inc.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
On Wednesday, XX/XX/2023, I received a Destiny Credit Card offer. I applied and was approved for a credit card with a {$700.00} credit limit. 
On XX/XX/2023, I received an Indigo Credit Card offer. I applied and was approved for a credit card with a {$300.00} credit limit. 
After XXXX, I did not receive the credit cards. So I called the XXXX numbers associated with the credit card companies. 
The customer service representatives for both the Destiny Credit Card & the Indigo Credit Card companies assured me they would report the first cards as lost or stolen and re-issue me new credit cards. 
Today is Monday, XX/XX/2023, and I have never received the Destiny Credit Card or the Indigo Credit Card I was approved and promised. 
To make matters worst, both the Destiny Credit Card & the Indigo Credit Card companies are reporting fraudulent, negative, and inaccurate information with all three credit bureaus. 
Can you please help assist me clear my good name and credit. 

Thank you sincerely!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I recently obtained my credit report. I noticed some inaccurate information being reported. I submitted a dispute and the item was removed from XXXX and XXXX. I sent a copy of the results to Equifax. Under the FCRA all information is to be shared between the three credit bureaus if any information is found to be unverifiable. inaccurate or incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian & XXXX  fail to delete fraud auto loans from my credit report even though I have submitted and identity theft Affidavit, police report, and my ID which is completely different from the one used to secure these loans my driver license number doesnt even match they still have refused to remove the inaccuracies and have sided with the auto loan company to which both are clearly violations of my rights as a victim of identity theft! On top of that XXXX  is apart of the reason my data has been compromised as I was one of the victims of there companies major XX/XX/2017 data breach and they still fail to help me resolve my identity theft issues which may have been from the affects of that breach. I have submitted multiple disputes all same results with credit companies.

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 2023-07-04
Company: JPMORGAN CHASE & CO.
State: NY
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/2021 a check in an envelope was stolen from my home mailbox. 

The check was in the amount of {$120.00}. It was stolen and altered to change the amount to {$12000.00}. It was my Chase Business checking account.

The name of the person who the check was payable to was altered and changed to someone I do not know. 
The check was chased by XXXX XXXX. 
I filed a police report and started a claim with Chase Bank on XX/XX/2021. 

The local police investigated the case but ultimately it was closed. 

Chase Bank has continued to investigate my claim for the last 2 years, and the claim has been " expedited '' and/or " escalated '' several times. However, Chase has continued to tell me, over the course of the past 2 years that they are waiting for XXXX XXXX to answer the claim and ultimately " cut me a check '' for the monies stolen from my Chase Business Checking account.

I have been extremely dissatisfied about the way Chase has handled this complaint as their communication with me has been very limited if at all. I have to initiate all the calls with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: ENCORE CAPITAL GROUP INC.
State: CA
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:
Midland Credit Management and I had a working relationship before COVID-19 hit. At this time I was looking to switch banks because my bank was not as secure as they claimed so I tried to contact them to ask if I could put my payments on pause while I rode out COVID-19 to seek employment and transferred my banks. They had no 'pause ' button for payments nor any option to seek a hold until I could get back to paying them once more, so I was forced to stop payments and figured I could simply resume when I was capable ( which California is still rocky on when things will be entirely reopened or back to somewhat normal ). As there was no way to discuss this with anyone online or to put a temporary hold on payments in any fashion, it was the only logical option I had. Keep in mind, I had made many payments to this account over the last year or so. My original balance of {$2300.00} ( {$2400.00} with interest ) has since dropped to {$1600.00} - so that's proof I've been paying off this debt as much as possible. 

Now, I got a letter today on XX/XX/2020 stating if I didn't pay the {$1600.00} due BY XX/XX/2020 then I would be sued by the company. Not only was I not home to make this call when their lines were open, for personal reasons, but there was no way to leave a message to dispute this lack of warning and threat of a lawsuit because their 'voicemail inbox is full '. 

So I was not given a warning that led to this legal action, I was not given a validation notice, an ability to respond in writing nor any notice leading up to this but I was also not capable of calling to dispute. All of which are illegal, if I'm not mistaken. 

To top that off, my past payment history is not available on MCMpay due to me having to cancel payments - I'm sure. Which means I can not provide you with any receipt of my transactions because they are with my old bank and MCMpay has erased them as if I never made them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I invested my money to buy ETH at XXXX, my balance was about {$110000.00}, i loaned from them {$10000.00} to make a little more money, and suddenly within seconds the price went from $ XXXX/ETH to $ XXXX/ETH liquidating everyone from their positions. The technology failed and froze everyone out of their accounts, No one could access to their account at the time and No one was notified of margin calls. The site shut down for an hour or two after before trading resumed and everyone that has margins was liquidated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
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: Credit inquiries on your report that you don't recognize

Complaint:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.

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 2023-09-12
Company: SANTANDER HOLDINGS USA, INC.
State: GA
Product: Credit reporting 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:
These inquiries have been added to my credit report without my authorization! 

CHRYSLER CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I disputed them and they remain on my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Today on XX/XX/2020 I tried to send my friend XXXX a single mother struggling to feed her kids, XXXX . I by accident sent it to the wrong person. I contacted pay pal and they said they can't do anything about it. They told me to email her and ask for it back. This is crazy. They Needed that AND IM STRUGGLING TOO. AT A TIME LIKE THIS THIS IS HOW IM TREATED. I NEED HELP PLEASE ...

Company response to consumer: Closed with explanation