BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-11
Company: Perfection Collection
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
PERFECTION COLLECTION LL used scare tactics and threatened me

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
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:
I have been fighting to fix my credit report, after someone used my identity from a security breach to open up accounts and get loans under my name. I have been battling with all the credit reporting companys to remove these accounts, and improper information on my credit report. I have credit inquires that are still being ran in my name, after I told each credit reporting company and sent proof of me being a victim of Identity theft, and sent a Identity theft 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 non-monetary relief
Consumer complaint received 2019-07-11
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
The bank Chrysler Capital has my car kin and is now trying to say they only received half payments from XX/XX/XXXX to XX/XX/XXXX and its absolutely incorrect this is the worst bank iv ever dealt with Im waiting on card statements for my prof but they now have it as 120 late and in the loss and recovery Dept amd status as a repossession something needs to be ASAP about this bank this is the second time they have done this to me and they have not contacted me nor sent any notices about these half payments nor a repossession in progress they also have never reported my payments monthly to the credit bureaus they have actually hurt my credit more than helping I cant afford a lawyer but will not let them lick this car yo til I get my statements to show there was always whole payments made there was some months I did half and half but they r trying to say only got half and its XXXX XXXX and there just saying from XX/XX/XXXX or XXXX to XX/XX/XXXX this meds to be looked into ASAP please thanks XXXX I could have sued the sewer and this bank for contract fraud but didnt go forward my whole contact is messed up sorry saying half payments since XX/XX/XXXX and I can share any document yet waiting to get them by mail but the car is in a repossession status now

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 noticed on my credit report from XXXX XXXX that I have a hard inquiry from XX/XX/2018 from XXXX XXXX XXXX. XXXX XXXX told me to go to the creditor. I called XXXX and they told me they dont work with airlines, theres nothing they can do about it, and to call Transunion. I called Transunion who tells me to call XXXX to have this resolved. I explained to Transunion that I already spoke with XXXX. Transunion tells me to send them a copy of a letter from XXXX saying they dont work with airlines. I explained that XXXX told me they wont send me anything. 

I am getting the runaround on this matter from all parties and thats why Im seeking your help. I did research on XXXX that showed the hard inquiry is happening to others and is fake. 

Help

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 2018-01-24
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:
Equifax has placed my credit file in the Office of Consumer Affairs. I can not view or see what is going on with any disputes. 

The company refuses to block the fraudulent information and every time I report it to the Consumer Finance department Equifax always request more time and never properly assist me with disputing the accounts and/or blocking the accounts. The company ( Equifax ) is not telling the truth about needing more time to research the dispute. The company is violating the FTC laws and trying to cover up things with the Consumer Finance Department as if they have my best interest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-15
Company: Netspend Corporation
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Netspend failed to credit my account or even give me a chance at a proper investigation they kept denying my claim of unauthorized charges. When in fact if they would look at the video footage from the atms where the money was withdrawn without my consent or knowledge they would know that my disputes were valid. I was a netspend customer For over a year and I had a business and personal account with them which they claim to secure customers money with the fact that theyre supposed to credit customers accounts when I have disputes by law I believe up to {$500.00} and they kept denying my dispute even though it was XXXX just so they dont have to pay me the money back I got my tax check into one of my Netspend accounts back and second week of XX/XX/XXXX I believeAnd there were charges that were an authorized in the amount of {$480.00} that werent credited back 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 2019-07-15
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX has repeatedly failed to provide me with any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay G.L.A. Collection Company, Incorporated, which XXXX reports negatively that I owe this company. There is no contract. This debt is not mine.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
The attached letter to Wells Fargo explains the problem in detail. When this letter was sent to Wells Fargo, it was initially ignored. It was sent again, with help from a local news station, and this time I received a response from the bank stating that they will never refund me any money from 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
Consumer complaint received 2019-03-29
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX partial account numbers XXXX. ( Please see pages 16 and 17 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: AFNI INC.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am receiving multiple calls from this company on multiple occasions. I know they are allowed to call once a day and I have no problem with that except they never leave a voicemail.I have received a calls on many dates that I can provide call records for, these are the ones that stick out the most, XX/XX/2019 XXXX XXXX ( this one I answered and got no response on the other line ), XX/XX/2019 XXXX XXXX ( 3 separate calls at this time ). I called and asked why they were calling so much and was told, " sorry for the over calling '', -I asked they remove my number and the gentleman said ok and hung up. This is all from -phone # XXXX. I have read reports about them using multiple numbers but those numbers can not be found. I have a few numbers I have blocked. I don't know if they are related due to them never leaving a message.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2200.00} XXXX XXXX Balance : {$0.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4900.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2019-10-21
Company: Rocket Mortgage, LLC
State: IN
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:
XX/XX/19 I spoke to Quicken Loans ( 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX ). Out of the three representatives, one asked for my social security number but stated that they wouldn't be pulling my credit report. At the beginning of the phone call with XXXX XXXX, I clearly explained to him that I wasn't yet able to apply for the XXXX XXXX Enhanced Refinace Relief Program. But, when we were discussing estimate figures, he stated we wanted to look at a " recent '' credit report and asked for my social security number. I was led to believe that he had access to view my credit report as such as a soft inquiry ( promotional, account review, etc. ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
Took out {$40.00} cash at the ATM thinking that there was only a {$1.00} fee charged by the ATM provider on XX/XX/23. Amex charged me {$10.00} fee and {$1.00} in interest. This is a 30 % interest rate and a 25 % fee for Amex. Definitely problematic.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: ALLIANT CREDIT UNION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was notified by my credit union of some suspicious ATM withdrawals via automated SMS. I indeed did not make these four withdrawals at an ATM in XXXX ( Im in XXXX ),  and the credit union opened the dispute and shut off my card. Within the same day, they closed the dispute and denied it. I called to ask why, and they said its because theyre assuming I lent my card to someone, because it was a chip and PIN transaction. I told them I had my card in my possession in XXXX when these withdrawals happened, yet they denied it and are not giving my the approximately {$700.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: Experian Information Solutions Inc.
State: MI
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 disputing with all three credit bureaus for quite sometime. I just learned how to do so properly, including my police reports, FTC reports, etc. I have several accounts that are fraudulent including collections for an XXXX XXXX XXXX opened XX/XX/XXXX in the amount of XXXX , a fraudulent XXXX XXXX  XXXX Charge off opened XX/XX/XXXX, XXXX XXXX XXXX which are in Charge Off Status all of which are on Experian, I have two fraudulent collections on XXXX  which are XXXX for XXXX $ and XXXX which is for 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 2018-01-24
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
A XXXX XXXX dealership in XXXX XXXX, Florida sold me a car based on the idea that I would have gap insurance and never included it in my contract. The actually cash value and XXXX XXXX XXXX value of the vehicle is {$6800.00} less than how much I owe on the vehicle, which is {$15000.00}. XXXX is only willing to pay the cash value of the vehicle and XXXXXXXX XXXX   denies ever having gap coverage in my contract. I was badly injured in hydroplane car accident and when I tried contacting the dealership, they only had records of my vehicle. They had switch from XXXX to XXXX 's XXXX dealership. I do n't have {$7000.00} to give out of my pocket for a vehicle that I could only have bought brand new from XXXX XXXX, as they would n't sell me a used car. XXXX XXXX Customer Service basically said that they get their payment from XXXX and leave me with that overpriced bill expecting me to pick it up. And they told me they did n't know how collections would handle it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: Reverse Mortgage Solutions, Inc.
State: WA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
Contacted reverse mortgage company ( bank ) asking for the pay off on a loan after my Father passed away. I was told an appraisal was done. Appraisal was a `` drive by. '' No one entered the home. It sits behind a half acre of land. A `` drive by '' is not an accurate appraisal. Also, the home sits in a town that over 37 houses are in foreclosure due to a decline in employment. ( Oil field town. ) After speaking to a loan officer, I was told they were asking for the MAXIMUM amount they could on the home, not neccesarily what my Dad borrowed. Selling this house at their asking price is ludacris. I believe a law was passed in XX/XX/18 stating that they have to agree to let me ( trust holder or beneficiaries in Trust ) sell his house at FAIR MARKET VALUE. Asking for more than he loaned is not only unfair, but lying about the amount we owe is also unfair. No one will tell me what the pay off ( amount of reverse mortgage ) actually was. No one will do an accurate appraisal. No one will return my emails. Complete ridiculous and I'm sure a law is being violated here. I have rights to have complete and full disclosure to all information in order to try to sell and pay off the borrowed amount, not what the bank would like to make.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT RECEIVABLES PERFORMANCE Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the  pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious RECEIVABLES PERFORMANCE I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2019-10-11
Company: TD BANK US HOLDING COMPANY
State: DC
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:
So its an overdraft on my XXXX XXXX account for a closed account check that I didnt know was close that I receive and I was wondering why do I have to pay the bank back if the check was bad or the account was closed and Im trying to get another bank account but I cant do to the overdraft fees that been placed on my credit report!!!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-15
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have called Wakefield and Associates twice regarding this account and they can not find ANY information on it. I have provided my address and the last 4 of my social. They have put me on hold while checking other departments and still are unable to find anything on the debt. I have not lived in the city of the medical facility for several years and do not believe this is my debt. 
I noticed the debt when checking my credit report and noticing that my score had dropped by 24 points due to this being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I am a long-standing business client of HSBC. Last week we had some ACH fraud on our business account and lost {$120000.00} in a few days. I have been getting the runaround from all HSBC reps. No one is proactively able to help me get my money back.

Company response to consumer: Closed with monetary relief