BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-21
Company: EQUIFAX, INC.
State: KS
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 received notification from Equifax that there was a security breach and that my information - including my social security number, date of birth, and contact info was potentially exposed. Equifax has been completely unresponsive in helping me deal with this matter. Here are the steps I have tried to take to find out more information : 1 ) they stated they would enroll me in TrustedID product to monitor my credit to see if there are any breaches ; the problem is that the enrollment email they sent indicates that I am already enrolled ( i have not ) and provides a dead link / a website that does n't load. 

2 ) I have tried contact the Equifax call center to resolve this and they have no one who can assist me. After a long period of time waiting for a response, I was provided another number that I can not seem to get ahold of someone who can help me ( I have been put on hold with no response for a week now ). 

Equifax is completely unresponsive to me at this time ; they have not been able to provide any information about the security breach, how I am actually affected, or even provide the security service they said they would in order to make sure I am not further victimized. I have had no luck in working with them - they are completely unresponsive in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of identity theft and my information has been compromised and used without my consent to get loans and credit and all sorts of things which are hurting my credit and impacting it in a major way. I need professional help with this issue to get it back to normal. The accounts which are fraud on my credit are XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: EQUIFAX, INC.
State: TX
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:
XX/XX/2020 I began shopping around for a vehicle and I visited 3 different dealerships. Ivisited XXXX XXXX XXXX  XXXX XXXX, XXXX, and XXXX. At XXXX, I was approved for anew car. Upon looking at my credit report, all three dealerships ran my credit throughseveral credit approval companies. I have a total of 46 credit inquires across the three creditbureaus within a 7-day time frame. XXXX  XXXX XXXX XXXX XXXX XXXX placed a hardinquire on my credit 22 times. I sent letters to each of the individual companies andreceived a letter stating I agreed to them running my credit by providing the merchant mydriver 's license. I did not agree or approve these companies to run my credit 46 timesthrough several different companies, including those I  have never heard of. XXXX XXXXcould have used the first inquire as it remains available in the system for 30 days. I waspreapproved through XXXX XXXX and presented my preapproval to each of thedealerships. Unfortunately, all three of the dealerships ran my credit through severalagencies without my consent. I did not authorize these companies to run my credit or viewmy credit report. I have contacted these companies several times to request the removal ofthe inquire and even hired a law firm to help, but they will not budge. I also contacted thethree major credit bureaus and I did not receive a response. 46 inquires across 3 creditbureaus within 7 days are truly excessive and violates several consumer laws. I would like all46 inquires removed  from my credit. I did not provide written or verbal consent for this tohappen and I am saddened and truly devastation I am not being heard. These companieshave caused unnecessary harm. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Netspend Corporation
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
I won the lottery on three separate tickets and scammer and hacker robbed my Netspend account, my home and transferred funds to different banks without my permission I didnt have any offsets and my identity was stolen. I was also XXXX and hospitalized shortly after. It took months for me to remember what happened to me.

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 2021-02-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Wells Fargo is taking money stolen by XXXX XXXX and won't help me retreive it

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 2018-04-04
Company: Netspend Corporation
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On the evening of XX/XX/18 about XXXX XXXX I tried to open a savings account with my current bank of 8 months -- XXXX  XXXX XXXX. The account was approved and I XXXX from XXXX of XXXX tried to transfer XXXX from my Premiere Net Spend XXXX debit card. He informed me that the transaction would not go through because XXXX doesn't like or take that type of card from that institution. I've never run into this type of problem with my Net Spend debit card before. XXXX told me he would not be taking any money and for me to take that particular debit card into a BOA branch and take the {$400.00} off the card and deposit it into the new savings account ending in XXXX. What happened next is Netspend ( XXXX ) debited my card for the {$40000.00} and took it out of my account. The money is sitting in limbo. Netspend will not give it back with out XXXX writing a letter with 7 specific identified like, transaction #, etc. I worked on this problem 8 hours today to reclaim the money. XXXX, XXXX, Relationship Manager said " They Don't do that '' ... have a procedure for this mishap. He was rude and obnoxious and displayed that he didn't care, I am a XXXX ( I have been recently receiving urgent medical and I'm just worn out -- -I did nothing wrong! ), minority, senior on Social Security. I have no more money for the rest of the month. I really need your help! Both banks need to be investigated for their abuse of clients and their money

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 2018-04-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America sent me a demand for information regarding a business an account that has been with the bank for 30 years. They are looking for organizing documents, articles of incorporation, etc. I said those were not easily available or may not exist anymore. I said i have filed annual report with the state of new jersey and federal tax returns. XXXX XXXX XXXX said those are not good enough and if i do not comply Bank of America that " We can freeze your account ''

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 2018-03-02
Company: Coinbase, Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I held $ XXXXusd with Coinbase.com I made a withdraw request to have the money deposited into my checking account via XXXX on XX/XX/XXXX the transaction showed " complete '' I never received my money from coinbase. I have made 7 attempts to contact coinbase and they have provided me with no answers. 

I have now read hundreds of complaints of customers dealing with this issue. 

I feel like there is some serious fraud according with coinbase.com I have Case ID : XXXX from coinbase

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: Credit Protection Association, L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In correspondence dated XX/XX/2018 I sent this company my disputes in regards to validation of the debt they say I owed them.To my surprise, this company did not validate, neither did it indicate that I have disputed this account : CREDIT PROTECTION ASSOCIATION ACC # XXXX As a result, this company is in violation of FDCPA and California Credit Reporting Act, firstly, failing to mark the account as disputed on the credit report. And secondly for failing to validate the account. 

These my final correspondence after which am prepared to file a lawsuit against them Attached : Copy of my initial letter to this snapshot of account from latest report, showing the account is not showing disputed Small claims form ( sc-100 )

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 2020-07-05
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
XX/XX/XXXX @ XXXX XXXX, I made a deposit of {$1000.00} ( XXXX- {$20.00} ) at the inside ATM located at XXXX XXXX XXXX , XXXX XXXX , NJ - the transaction never completed correctly and I have the statement record # XXXX which clearly states this was a forced deposit record of {$100.00} instead of the {$1000.00} which I was trying to deposit and the machine did not return the {$900.00} back that it didn't deposit. I immediately called their XXXX XXXX XXXX XXXX and held on for an hour and then got disconnected, called again about XXXX XXXX - same result. XX/XX/XXXX - I called again on XX/XX/XXXX and filed a complaint I was told I would receive a provisional credit in 1-2 days while TD investigated, I checked my account again on XX/XX/XXXX and to my dismay the credit was not there so I called the above number again to be told the credit takes 7-10 days to show up and again - that never happened. I called the branch on XX/XX/XXXX and spoke to XXXX who told me " they didn't have any record of a problem with their inside ATM on XX/XX/XXXX and I would have to file a complaint '' which had already been done. The reason for my call directly to the bank on XX/XX/XXXX, because I felt I could get this matter resolved since this is where I opened all of my accounts years ago. I am greatly disappointed in how TD has handled this account without reaching out to me to find out what happened or show any concern for my additional {$900.00} getting credited to my account. I thought when whomever checked that ATM that evening or the following morning they would have seen there was an issue and would have attempted to resolve my issue but instead on XX/XX/XXXX, I received a letter from TD stating my claim was denied for the refund of {$900.00}. Note : I have also learned that TD does not give provisional credits for their ATM 's ( so it seems, I was getting the run around from the start ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I was recently approved for a Barclays AAviator business card and received the card on XX/XX/2019 with a credit limit of XXXX. As of XX/XX/2019 my transactions were not going through in store. I called Barclays card customer service rep ( XXXX ) and they said Barclays needs my social security card, last years tax return, and drivers license due to " review ''. I asked for why the review occurred and they could not specify why. They told me to fax the 3 documents over. I complained that these 3 documents will cause risk of lose through a use of a public fax machine as I did not have one. They said I can email them the documents @ businesscardsarsmail@barclays.com I attempted to email them today and I received notification of invalid email address. 
I'm wondering the reason why to send over these sensitive documents without attempting to call, email, mail or notify me these are required. I do not understand why they would approve my card and then block my purchases starting today? It doesnt make any sense. I have a checking account with them for over 7 years and my credit score is over 800. I XXXX a similar problem and that person filed a complaint and executives were emailed and then they canceled the documents requested. 

I just dont understand why I have to send a copy of my Social security card, drivers license, and last years tax return! It's too risky to send via fax. 

For reference the login portal for my credit card is aviatorbusinesscard.com and its owned by Barclays.

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 2019-05-30
Company: CCS Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My complaint is we had four years with XXXX XXXX XXXX for mortgage and auto with no problems or complaint. I received a renewal notice indicating the double of what we were paying before, so we talked to a representative and indicated to cancel the policy. In a few days we bought another policy with a different company. Within 15 days we received a letter from XXXX XXXX XXXX saying we owed them money and send me to collections when I had paid in full and cancelled my policy

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In 2017 after Equifax had the worst security breach in history, I was a Victim. To this day with over 18 Inquiries I have been trying to correct for six months now no no avail. I even contacted XXXX to have the fraudulent inquiries removed from my Equifax credit report and a month ago they agreed. Equifax also agreed and nothing even gets done. In fact do you want to hear something so crazy? Equifax has an internal error in their database called Credit Splitting that happens as they have discussed with Equifax, when a consumer report gets too large in data. Giving the lender only half of the information and hurting or coming in the way of the application process getting approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: Southwest Credit Systems, L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Concerns : EQUIFAX not participating in suppling " Free Credit Reports ''. 

On ~XX/XX/XXXX, I requested ONLINE my " Free Credit Report '' from EQUIFAX XXXX 
EQUIFAX declined my online request and stated I had to mail my request. 
ON XX/XX/XXXX, I mailed my request for a EQUIFAX free credit report to address I was given. I filled out the " Annual Credit Report Request Form '' correctly and mail it to : * Annual Credit Report Request Service XXXX XXXX XXXX XXXX, GA XXXX By XX/XX/XXXX, I still had received no response of any kind. So I called the phone number I was given, " XXXX '' and requested a EQUIFAX free credit report and answered all the questions. At the bottom of the " Request Form '', it states that " Your Request Will Be Processed Within 15 Days of Receipt and Then Mailed to You ''. 

*I still have NOT, as of XX/XX/XXXX, received any response from " EQUIFAX '' of any kind. 
There is never a problem with XXXX or XXXX ( online ) when requesting & receiving the free credit report. Every year there is a problem with EQUIFAX. I have not moved from my house in ~25 years and answer the questions for the report the same way for each company. I request a " Free Credit Report '' from each company during the year.

Why is EQUIFAX allowed NOT to abide by " Free Credit Reporting '' laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX my XXXX  send me money with Cash app.according to their written statement money should be available 1-3 business days. 
App said it would be available Friday XX/XX/XXXX. On that day inf.said it would be available XX/XX/XXXX. Yesterday it stated it would be available Tuesday XX/XX/XXXX. 
I contacted them and their reply was generic. They are trying to charge XXXX $ For instant cash. 
This is not acceptable XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: CITIBANK, N.A.
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 status incorrect

Complaint:
CITI bank forcing paperless billing without consent. 
Did not get a paper bill for XXXX then again XXXX. Card was then shut off until I called them then sent check for entire balance XXXX {$2000.00} I paid {$25.00} fee {$20.00} interest for XXXX statement then paid {$39.00} fee {$31.00} interest XXXX statement. Was told no refund then it is on my credit report. I would like it expunged from my record and Citi need not turn accounts into paperless at there will will they acquire your e-mail address. I ordered a new card online prior to this and they signed me up for paperless automatically. I did NOT approve they say I did. 
No one pays a bill they do not receive. I am positive this has happened to many others. I believe the interest and fees they charge under these circumstances are fraudulent

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: LA
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 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 2020-05-22
Company: Firstsource Business Process Services, LLC
State: CA
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:
In XX/XX/2020 I informed FirstSource Advantage , LLC that our account with XXXX  XXXX XXXX ending in XXXX XXXX for {$1700.00} was assigned to XXXX XXXX XXXX ( a credit card payment consolidation company ). 

We informed XXXX about the situation and accepted to include the bill to our credit card consolidation file. Today we received another bill from FirstSource dated XXXX. 

We want FirstSource to stop harassing us regarding this bill. You may contact us at our home phone XXXX if you need more details. Thank you. 

The XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My privileges of privacy have been penetrated and intruded by this bureau which is an immediate infringement of federal law. This bureau is likewise disregarding federal law by detailing misdirecting accounts on their end without my consent. This bureau is detailing misdirecting data on their site and as per the federal law, it is the bureau 's GRAVE RESPONSIBILITY to guarantee reasonableness, unprejudiced nature, and a respect for the consumer 's right to privacy. Their carelessness has caused me pain and I'm looking for legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
A previous complaint has already been submitted : unfortunately, we did not notate additional information in previous complaint the modification of payments. We requested a modification to have our payments reduced due to financial hardship several times XX/XX/XXXX and XX/XX/XXXX, and SPS modified our loan payment by {$57.00} from {$1300.00} to {$1300.00} starting XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX.  The modification provided no assistance to our financial hardship, we continued to struggle. On XX/XX/XXXX, we received a letter stating a modification had been done which we were clueless about since we had not submitted a request due to last denial in XX/XX/XXXX. This particular modification payments were reduced from {$1300.00} to {$1200.00} roughly a {$100.00} and some changed ; however, the first payment was due XX/XX/XXXX, which was less than 30 days. We desperately want to keep our home. 

Sincerely, XXXX XXXX XXXX XXXX

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