BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This is XXXX XXXX XXXX and I am writing a complaint to Experian. Located at XXXX XXXX XXXX XXXX, TX XXXX. 

On XX/XX/XXXX I sent out a certified complaint to Experian regarding old information with incorrect dates on it and I asked them to remove it and they have refused. The item in question is old and must be removed because it is violating the FCRA law. I sent the same concern to XXXX  in Georgia, and to XXXX in Pennsylvania and they deleted the information immediately. 

XXXX XXXX XXXX XXXX XXXX # XXXX is passed the statue of limitation and is no not verifiable by any party, current or third. 

I strongly feel as though the are lying and have violated my rights in providing me with EXACTLY what descriptions and procedures were used to verify this. I called and requested the items and they had no answer for me post dispute, so I am very concerned and can not leave my financial life to a third party to verify whom has no proof of this sort of information in the first place. 

My dispute # is XXXX. They claim that the item should remain on file till XX/XX/XXXX but that is false. It should have been deleted on XX/XX/XXXX and it still remains. 
They proved me with no reason, explanation or proof and I am very concerned. What sort of investigation was this exactly? Why am I not able to find this expunged item and they are? Because it no longer exists. 

Is Experian 's system up to date? is there anyways of knowing how current their third party vendors source of resource is? I feel as though it is NOT up to date and it is verifying old items inaccurately. 

I truly want to save my self a day of losing work and going to downtown to print my accurate public information. SO please can this agency have them do a proper investigation and delete this Public Record item.It is genuinely overdue for deletion. 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 non-monetary relief
Consumer complaint received 2019-01-25
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: Investigation took more than 30 days

Complaint:
sent ftc violations and police report of having 4 social security numbers on XXXX  that are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: NAVY FEDERAL CREDIT UNION
State: MD
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:
My wife got paid on XX/XX/2019. On XX/XX/2019 I was checking my bank account to see if the funds were available to buy my medication and food. After checking, I saw that {$610.00} was taken from the account without my permission, so I called Navy Federal to see why. Navy Federal told me that because I was 35 days late on my Navy Federal credit card they withdrew all the money from my account. I tried to explain to them that was all the money I had to to buy food and medication for my XXXX kids until I receive my VA XXXX pay on XX/XX/2019. Navy Federal told me they would only try and submit a partial return of {$300.00} if I agree to some type of promise and set up auto pay for my auto loan. My auto loan was due on XX/XX/2019 in the amount of I think {$310.00}. I have 6 months left before my auto loan is paid in full. As of today, XX/XX/2019 I'm 1 day late. Navy Federal told me because I was 1 day late, my auto loan was now in collection. As of XXXX XX/XX/2019 I only have a refund of {$300.00} back to my account. I have a wife and XXXX kids that I have to buy food, gas and other things. Talking to Navy Federal was useless. Navy Federal basically was forcing me to set up auto pay before they even think about issuing me a refund and said, if it went through they would only refund partial payment and iam out of luck.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-23
Company: Winklevoss Exchange LLC
State: NV
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 have been trying to withdraw and transfer USD and cryptocurrency from my Gemini wallet but have been unable to.

When I reached out to Gemini support about the issue, they immediately restricted my account ( without explanation ). Any further attempts to reach out to Gemini support resulted in no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: Adler Wallach & Associates, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was billed by a company called XXXX XXXX XXXX for XXXX XXXX that i received from XXXX XXXX XXXX I was charged two amounts for {$5100.00} and {$3000.00}. I spoke with XXXX XXXX and was told this was a mistake and I was not liable for this. Recently I found out all three major credit reporting agencies ; XXXX, XXXX, and XXXX has a collections on my credit report for these amounts from XXXX XXXX. I never received any notice of this. I spoke with my insurance company ( XXXX  of SC ), XXXX XXXX XXXX  ( the originator of this test ), and XXXX XXXX XXXX c/o XXXX XXXX XXXX who billed me for this. I also spoke with an investigator who told me that this was an error and I should have never been charged these amounts and told me that I was not liable for this. After speaking with the investigator, the last contact I had with him, he informed me that the issue had been cleared up and I wasn't liable for this. I wasn't alerted that this had been sent to collections until Recently even though XXXX XXXX  was given the account in XX/XX/2017. I never received any written notification via mail. After being alerted that these charges were sent, I called XXXX XXXX XXXX c/o XXXX XXXX XXXX. I came to find out that the company is dissolved since filing for bankruptcy and had multiple lawsuits against them fraud. I have submitted disputes with each credit reporting agency as I was told on multiple occasions that I wasn't liable for these cost and should have never been billed in the first place. I have also reached out to the investigator that I was speaking with before to find out why this wasn't cleared up and why it is now in XXXX XXXX   possession. XXXX XXXX XXXX was no help in trying to resolve this issue and tried to pass the blame to another entity who has no connection.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: Capital Credit and Collection Service, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/18 2 payments of {$25.00} and {$50.00} were taken out of my bank account from capital. I cancelled those payments KNOWING i would NOT have funds available at that time. I scheduled a payment for XX/XX/18 KNOWING funds that day would be available. Capital has made me overdraft in my checking account not once but twice since 2 payments were to be taken out. Once those payments were cancelled I assumed that they were cancelled and set up for the correct date to be taken out. So, I look at my statement for capital and they are charging me for the return of the {$25.00} and the {$50.00} then also a late fee of {$25.00} Which they did reverse that. But because my payments were returned of {$75.00} combined. That their is nothing they can do. Because they were returned payment. So the payments that were returned I got hit with them. I spoke to a man name XXXX ( XXXX employee number ) and he kept speaking over me numerous of times. He stated those payments were returned your bank set us a memo stating funds were not available as of XX/XX/18 and for me to call my bank. Which I proceeded to contact my bank and stated to them what was said from Capital. And when I spoke with my bank she stated funds were available as of XX/XX/18. And will give me print out with day and time my funds were available. So today XX/XX/18 I contact XXXX and he again proceeded to talk over me. And explained that I want to speak to his boss and he stated NO that the boss is administrative and he speaks on their behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: AAA Collections
State: SD
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
They called me to harass me about a debt they already tried to harass me about before. I told them to stop because I wanted nothing to do with them and today this morning they called again. Only now the debts they are trying to collect are outside the statute of limitations in my state. They were rude, hung up on me, and talked over me and wouldn't answer my questions related to the debts. I didn't acknowledge them because no specific info was received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: FORD MOTOR CREDIT CO.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Ford Motor Credit / Ford Motor Company misapplied payments, didn't correctly report to the credit bureaus ( which I'm having to correct their inaccuracies with the bureaus myself ) and failed to report that the vehicle in question was ( as agreed by all parties ) RETURNED with a XXXX balance due to their fraudulent and shady business practices as an effort to avoid being sued. 
Ford Motor Credit and XXXX XXXX XXXX XXXX ( Virginia ) are crooks and sell overpriced lemons after refusing to allow someone to purchase a vehicle ( IN CASH ) telling them that they only way they can get a car is to finance it through them. And then they throw in their " VIP '' package which is bs because in the end it doesn't save you money on anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: XOOM CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I used Xoom a XXXX company which promises to pay money in overseas locations within minutes when u send money overseas to family and friends, I was charged fee, my family needed money to pay bills it was emergency but Xoom participated banks overseas refused to pay when recipient went to collect money, it's been more than 72 hours now and Xoom not just has failed to pay out the recipient but the banks Have refused to recognize and pay the recipient even with all the document and transaction details provided. 
I emailed Xoom several times and spend hours calling Xoom over and over again spoke to several people on including supervisors but they have failed to solve this transaction, it has cost me and family not just embarrassment, time and money it also has cost us fines for not making payment on time overseas. 
I haven't received any refunds or my family could collect funds which I have paid Xoom with fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-02
Company: EQUIFAX, INC.
State: TX
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:
XXXX and XXXX issued me a credit card from XXXX XXXX  I have never once used this credit card however they are reporting a balance of {$820.00}. 

Incorrect information and I want it removed from my credit account they are reporting bad things on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I have contacted my bank to stop payment from being taken by some lenders. The bank charged me {$33.00} for each lender. Now these lenders still take payments on the scheduled dates. I spoke to my bank to let them know that the payments are still being taken. The bank is now saying stop payment is not guaranteed and they can't do nothing about it. The bank never said that to me that stop payment is not guaranteed by charging me for each service. 
I tried seeking help from my bank but they'll not helping so I need you guys to step in. Thank you. 
XX/XX/2021 XX/XX/2021 Those are the dates the money was taken from 3 lenders Amounts : {$140.00} {$100.00} {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: EQUIFAX, INC.
State: MD
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 have a credit inquiry on my credit report that I did not authorize from XXXX XXXX XXXX dated XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Trying to get a small line with lend up but capital one has my account blocked I'm trying to put money to cover my negative balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: Santander Consumer USA Holdings Inc.
State: TX
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:
This complaint is against the following lender : Santander Consumer XXXX XXXX XXXX Ft. Worth, Tx XXXX Santander Consumer is reporting a vehicle loan as charged off, showing a {$29000.00} balance on a car that was voluntarily surrendered XX/XX/XXXX. It was then sold ( supposedly ) on or around XX/XX/XXXX. This item is reporting as a charge-off, but I am disputing the accuracy of this item, because I believe the company is reporting this item in error, and it should be removed. 

The company states they sent information regarding the sale of this vehicle, but it was never received. For a situation of this nature, it would have been in their best interest to have sent it certified, to ensure that it was received properly. There was never notification that the car was being sold, when or to whom and for how much. 

The letter dated regarding the sale of the vehicle I was recently sent ( XX/XX/XXXX ), was dated for XX/XX/XXXX. The vehicle was picked up on or around this date, so how could they send a letter notifying of a sale if the car was picked up days before this letter was supposedly generated. That A " voluntary repo fee '' was assessed on XX/XX/XXXX, yet the sale of the vehicle was reportedly done around XX/XX/XXXX of XXXX. Basically, the time of voluntary repossession, notification of sale and actual sale, I believe violates my rights as a consumer. 

This company did not grant any of the following during the course of the repossession and sale of the vehicle when asked. There was no verification, or validation of why this item is being reported and how they are lawfully reporting this item on my credit report. 

*EFFECT OF ERRORS OR OMISSIONS *NOTIFICATION BEFORE DISPOSITION OF COLLATERAL *TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL *CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL I would like to have this issue investigated immediately. This is a predatory loan company and their integrity has been in question quite often over the last few years. Please investigate, as they are not being of any assistance in trying to get to the bottom of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX a {$500.00}. was withdrawn from my account at TD bank at the XXXX XXXX branch. 
I was not the person who withdrew this money, it was fraud. I went to the bank on XX/XX/XXXX to report this and I was told they would look into it. As I was told by XXXX XXXX customer service was I had to file a compliant with the notary from the bank. Her name is XXXX XXXX. I did this on XX/XX/XXXX and was told they would XXXX XXXX the complaint immediately and I would hear from them within the next few weeks. I continued to follow up and I was told these things take time when claiming XXXX. 
I think I have been more than patient with them and I would like my {$500.00}. plus fees for bounced checks and other expenses.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I use online banking to pay all my bills. I give them the amount and date due. They in turn send the amount to the various companies to be delivered as per requested. 
XX/XX/2018, {$930.00} was paid as directed. 
When I received this month 's bill, I was charged a late fee and interest for last month! I looked at account on line, and talked to bank. They said the check was sent 5-7 days prior to due date. Yet the deposit from XXXX said they did not deposit it until XX/XX/2018! I did everything proper, according to the bill and according to online banking rules and yet I am the one penalized! 
I called XXXX with all these documents and asked the late charges and interest be removed. I have been their customer for 20+ years and never been late! I was on the phone for 45 minutes and spoke to three departments, four people. They would not do this! What kind of customer service is this? I got disconnected and no one called me back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-25
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2019 I had a hard inquiry by XXXX XXXX, Fl XXXX National Credit Cards Airlines I never asked, signed up or gave permission for them to do a credit check. I live XXXX, Indiana. I have never heard of them. It stays on my report for two years. I looked into the company and several people commented that they only got a run around and received help through you. I would appreciate your help in getting that hard inquiry removed from my report.

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 2019-08-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have sent in several request to have the FRAUD ALERT on my credit file REMOVED. 
To whom it may concern, It has come to my attention that my credit file with your company contains a fraud alert. 
I do not wish this fraud alert maintained on my credit file. Please remove it immediately. 
To assist you in verifying my identity I am enclosing a copy of my state issued drivers license and my social security card. 
Please REMOVE ANY and ALL FRAUD ALERTS from my credit file and send the required notifications to all CRA furnishers of this information. Please also forward to me confirmation that this has been done.

I have enclosed my drivers license and social security card. If for any reason you need to contact me, my contact info is listed above.

In accordance with the provisions of FACTA, I hereby request that I be sent, at no charge, a copy of my credit report. 

Again, please REMOVE ANY and ALL FRAUD ALERTS from my credit file and send the required notifications to all CRAs. 

Thank you in advance for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: ProCollect, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/XXXX I called XXXX because of my credit score had drop they informed me that I had a collection of {$1800.00} from XXXX XXXX XXXX The orginal Company was XXXX XXXX XXXX for a move out fee I immediatly call both companies explaining I diid not received notice of this debt from either companies. I spoke to an agent on XX/XX/XXXX about this and they told me that I owe {$1100.00} after they did some deductions for a cleaning fee I said that was redicious amount for a cleaning fee etc. I lived there for 1 yr and paid my rent in full and didnt renew my lease in XX/XX/XXXX. I filed Bankruptcy in XX/XX/XXXX and XXXX XXXX was included in my case.. I file chapter XXXX to clean my debt and start over to become a home owner again I have work hard for the past 4 yrs on my credit trying to fix things and make my score higher I was at XXXX even thoe i filled bankrupcty icontiune to make my payments on time an keep an accurate acount of my credit report each month I was victim of identity theft in XX/XX/XXXX and its been hard on me and my credit report. I paid all my debts and was collection free until this.

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