BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-22
Company: Credit Bureau Collection Services, Inc.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
ONCE AGAIN CBCS GNORED OUR BANKRUPTCY XXXX XX/XX/XXXX-XX/XX/XXXX AND VIOLATED THE AUTOMATICE STAY. ALSO KEPT CALLING MY CELL SEE ATTACHED. IF NECESSARY WILL RE-OPEN BK AND FILE ADVERSARY PROCEEDINGS COMPLIANTS IN THE AMOUNT OF $ XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-19
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/2019 I have attempted for a week to put a security freeze on my Equifax credit reporting agency. I was able to put freezes on my credit reports easily by phone with XXXX  and XXXX. 
However, I have tried five times to call, and then attempted online but ran into numerous obstacles -- -it would not allow me to reset my password. I gave all my information on the phone and then it stated it could not resolve my request for a freeze on my credit report. 

This was after numerous emails back and forth to get a verificaton code, attempt to reset password. I attempted twice to put the security freeze on using telephone. 

I have now sent everything via mail and would like FTC to know so I can get my security freeze in a timely manner. this is ridiculous -- I want no more delays in this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-03
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:
There are numerous accounts and inquiries listed on my credit report that I have NO knowledge of and did NOT authorize. This was a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been constantly calling the XXXX number for XXXX  to be able to talk with a live agent to address my issues and I am not getting anywhere. I am doing all the right things and when I think Im going to get to talk to a live person it hangs up on me every single time this is been very frustrating. They should be answering the phones and dealing with their customers just like XXXX and Experian does, I would really appreciate if this gets addressed ASAP. My XXXX XXXX credit report needs to be updated. They have nothing but information that does not apply to me. I have been trying to update it and can not get anyone. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: Consumer Portfolio Services, 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 don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I'm trying to link my bank account to a third party investment app ( XXXX  XXXX and keep getting an error message that " PNC has recently made changes that prevent me from linking my accounts ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Regions Bank 2023 XXXX XXXX XXXX XXXX XXXX XXXX : {$400.00} XXXX. Register at regions.comXXXX using your personal code XXXX by XX/XX/2023 XXXX. Open a new personal LifeGreen Preferred checking account between XX/XX/2023 and XX/XX/2023 XXXX. Enroll in Online Banking within 30 days of account opening 4. Make {$1000.00} or more of total deposits transactions that post within 30 days of account opening *Exclusion ( document attached ) - " When the credit is issued, new account must be open and have a positive balance '' ISSUE :- With criteria achieved above, the bonus was scheduled to deposit BY XX/XX/XXXX as stated on the Regions Offer Tracker. My checking account hit a {$0.00} balance which triggered an internal logic that rendered the bonus " Excluded '' and transitioned the account into a " soft close '' even though funds we're placed back into the account within 5 days. 

- The exclusions do not state that a {$0.00} balance also makes the offer ineligible and does not supply a definition of " positive balance ''. 

- The exclusion states " When the credit is issued '', is impossible to determine when the credit will be exactly issued due to only stating a projecting date.

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 monetary relief
Consumer complaint received 2019-01-22
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have submitted my loans in a Chapter XXXX and converted to a Chapter XXXX Bankruptcy dismissing the loans. Ive tried several times to get a lower payment because I was unemployed. I have been offered deferments or forbearances simply by responding yes to a text message not knowing interest was accruing. I never heard back after informing them I lost my job. I would like to have my loans forgiven or discharged because I wasnt aware of what I was signing and the outcome. I suffer from XXXX XXXX that affects my judgement to make sound financial decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: Experian Information Solutions Inc.
State: MO
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:
The following accounts do not belong to me but yet the credit agencies are still reporting them without providing me any proof whatsoever besides coming back saying the account has been verified, by verified by whom and with what documents inwhich was never provided to me, in order for these agencies to continue to report one sided information with really conducting an investigation should be held responsible and action taking against them, the accounts I'm saying is not mines dates areXX/XX/XXXXXXXX  more specifically XXXX XXXX, and XXXX XXXX. Its not my job to chase a collection company, its XXXX Experian, and XXXX job to report accurate information inwhich should be accompanied by physical documentation when reporting anything. What you report affects people livelihood and the XXXX  breach was very real so please take inconsideration that all is possible. The FCRA requires that each account is provided with physical verification, or the account must be removed.

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 2023-08-11
Company: HYUNDAI CAPITAL AMERICA
State: WA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I leased a new Hyundai SUV for 36 months that got totalled in the XXXX month of the lease. My insurance company paid off the car but the total payments maid to HMF are more than $ XXXX more than the cost of a brand new like SUV based on the total amount paid by me towards the lease and the check sent by my insurance company. My insurance company has informed me that XXXX should have refunded me the overpayment that totals approximately XXXX more than cost of the new car to replace the one that was totalled. XXXX is refusing to refund me that amount citing a clause in the contract that stipulates that any and all insurance proceeds are the property of XXXX. This is not industry standard per my insurance company and XXXX is being unfair and unethical in their conduct regarding this practice.

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 2019-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
BANK OF AMERICA/ XXXX TRANSFERRED THE MONEY TO A WRONG RECIPIENT On XX/XX/XXXX, I sent {$2500.00} to XXXX XXXX . The $ left my personal checking account but never got to his account ; I used his cell number and full name to make the transfer. The XXXX transfer confirmation # for the transaction is XXXX o On XX/XX/XXXX, I initiated a dispute ( claim number XXXX ) with Bank of America to get the XXXX back. 2 weeks later, BOFA sent me a letter closing the case saying that the investigation was closed and there was nothing else i could do to receive the $ back. They said anyone can attach their phone number to anyones account ... makes no sense! where is the anti-fraud protection? I called BOFA several times, i went to the branch and no one can help. 
XXXX was also contacted with no help. They blame BOFA and vice versa. No one takes the responsibility to pay their client back the money that was never delivered. 
What can be done? I find hard to believe that being as big as XXXX is ( and it is owned by banks ), the services can be so unreliable. PS : I saw the bank statement from XXXX XXXX and i verified the money was never received by him. 
Thanks for your help, i hope there is something we can do to get the $ back from them. 
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 2017-12-21
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened up a SPG Preferred Guest American Express card on XXXX XXXX, XXXX after being enticed by the promotional offer of XXXX Starpoints after {$3000.00} in purchases. I quickly met the spending requirement on XXXX XXXX, XXXX, however my bonus points were never credited to my account. I was planning on booking a vacation using these points, however I was unable to because of the delay. 

I have called American Express multiple times and they have been unable to resolve my issue. I am frustrated because I see this as deceptive marketing combined with inept customer service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-27
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been disputing these accounts since XX/XX/XXXX. On my Experian Credit Report I sent letter certified mail requesting documents in bearing my signature & all other documents pertaining to these accounts, and if not provided they must be removed from my report. They replied saying they would not reinvestigate the accounts. I asked for whatever documents they considered verifiable to be sent to me since it is my right to see these documents & know exactly how they were validated. They failed to do so, they didnt even attempt to simply stating they wouldnt reinvestigate the items that i have been disputing since XX/XX/XXXX. Certified letter was sent around XX/XX/XXXX The items Im referring to are : XXXX XXXX XXXX- this account has been deleted from XXXX & XXXX . 

XXXX XXXX XXXX- Account XXXX & XXXX, both of these were removed in XX/XX/XXXX & reinserted in XX/XX/XXXX, without being notifified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- this  account is over 10 years old and has been removed by the other two reporting agencies XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
For the past 2-3 years I have tried to get 4 student loan accounts that should have aged off my report 6 years ago. Trans union and XXXX disputes has always resulted in saying the creditor has deemed the information accurate and therefore will stay on my report, despite all evidence I show otherwise. I have tried disputing with XXXX as that is the company both Transunion and XXXX  tells me is the company reporting the items. I filed two complaints against XXXX through CFPB. The second complaint resulted in XXXX reiterating they are not the ones who are reporting, XXXX  is. XXXX also instructed to call the number XXXX, listed on my credit report, for any concerns specifically for the credit reporting in question. That line connects directly to XXXX. I also contacted XXXX and as I have said over and over again, they have checked the national credit bureaus and there zero records of any reporting is being made. I showed them the items in question and they instructed me to contact XXXX. So if XXXX  claims they are not the ones reporting, and XXXX  says there are no records of any reporting being made, why are these accounts that are negatively impacting my score still on my report??? Why do both credit bureaus refuse to delete these marks off my credit report if both companies claim they are making no such reports to them. I have contacted XXXX, XXXX, XXXX XXXX, Even XXXX  XXXX XXXX - they all claim they are no records of them ever reporting to credit bureaus.

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 2021-05-09
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am a member of Chime, Managed by XXXX XXXX  XXXX FDIC # XXXX My account with all my life savings has been suspended without any resolution offered by the bank besides submitting my information. I have done what the requested and confirmed with me multiple times my account at the latest should be unlocked by XX/XX/2021 XXXX XXXX  EST. It is now past that date and I have called support multiple times and they say they can not contact the department that manages the institutions account suspensions. I am now left unable to pay my bills or provide money for payments as all my money deposited into the institution. I spoke with the following individuals : Employees : XXXX : Supervisor member services XXXX : Supervisor member services XXXX : Manager member services EID # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the credit bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. 
LVNV Funding LLC has been listed on my credit report as a collection in the amount of {$2600.00}. LVNV FUNDING LLC is reporting a collection account that does not belong to me. Nor do I have a binding contract with LVNV FUNDING LLC to pay this " debt. '' There was no investigation by the credit reporting agencies to confirm this account. LVNV Funding LLC has not furnished any documents proving this account belongs to me. 
Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if LVNV FUNDING LLC is unable to provide me a copy of verifiable proof, they must delete the account listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar bought my mortgage from XXXX XXXX XXXX and are refusing to honor my original contract with XXXX XXXX XXXX. My XXXX XXXX XXXX contract had me paying 1/2 my payment every two weeks .. this resulted in one full extra payment every year ( good ). However Nationstar says they are forbidden by a contract with XXXX XXXX from honoring that portion of my original contract. .. They have contracted with XXXX XXXX to process payments for them in that manor ( of which they charge an additional XXXX a year to do ) ... .. ... I am still paying my payments every two weeks ( to honor my contractoral agreement ) .. but Nationstar is refusing to apply the full amount I pay to the acct. They are putting it into a SUSPENSE ACCT and only taking out what they say is my monthly payment ... which is resulting in them not applying the extra to the principle which is resulting them in charging me extra interest ... I have also contacted the Attorney General and am hoping that they criminally charge Nationstar as well for Embezzlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: Experian Information Solutions Inc.
State: NV
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:
My Wife and I filed chapter XXXX bankruptcy on XX/XX/XXXX. 
We included our property XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nv XXXX in the chapter XXXX. 
The bankruptcy discharged on XX/XX/XXXX Approximately XX/XX/XXXX I finalized surrendering the property to XXXX XXXX XXXX, because they wouldn't take it out of my name. 
I requested my credit reports on XX/XX/XXXX. I found that XXXX XXXX  XXXX and XXXX XXXX XXXX were both reporting adverse and derogatory late payments to all 3 of my Credit reporting agencies. 2 Died in Lieu 's for the same loan. 
I disputed the both to lines of negative lines to all 3 Credit Agencies on XX/XX/XXXX & XX/XX/XXXX via phone, electronic & written mail with supporting document. 
They will not remove either line off my credit report. 
I can send the full bankruptcy filing upon request ( 72 pgs ). Pertinent docs include on attachment 1.

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 2020-07-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Original Creditor : XXXX XXXX  Merchant Name : XXXX  Original Account Number : XXXX Current Servicer : Midland Credit Management , Inc XXXX 
MCM  Account Number : XXXX Current Owner : Midland Credit Management , Inc . 
Current Balance : {$2100.00} I have obtained my credit report and found there accounts I never opened, an addresses I never resided, inquiries I never made and even a different variations to my name. I also found this account and is not mine. I am not liable for this debt and I do not have a contract with this company. I also filed complaint with the XXXX XXXX XXXX. I have contacted this company multiple times to inform them this account was fraudulently open due to Covid-19s scams and frauds. This is not my account and I want it removed of my credit report at once

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: WELLS FARGO & COMPANY
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2018 my controller was hacked by a party from XXXX that opened an account in my businesses name, XXXX XXXX XXXX in a Wells Fargo account.. As a result my refiner wired XXXX US dollars into that account. When we realized there was a problem Wells Fargo did a pull back on the wire and was able to get XXXX back leaving us short XXXX that had been transferred out of the account and was unavailable for refund. 

Wells Fargo opened an account in my business without doing any due diligence, let a large sum of money to be wired into an account off shore with no due diligence. 

Wells Fargo was absolutely no help with any of my questions and told me the only way to get the XXXX back was to take them to court.

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 2017-12-13
Company: Coinbase, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
on XXXX2017 I made a transfer of my coins from XXXX/coinbase account to XXXX 
XXXX was a scam, I have requested XXXX/coinbase to cancel those transfers, the reply from XXXX/coinbase was not refundable. 

my account XXXX and XXXX/coinbase locked my account.

Company response to consumer: Closed with explanation