BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-25
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:
Multiple accounts are reporting on my credit reports that is incorrect XXXX   XXXX**** XXXX XXXX XXXX**** XXXX XXXX** XXXX   XXXX**** XXXX XXXX XXXX**** XXXX XXXX XXXX**** XXXX/XXXX   XXXX**** XXXX XXXX**** XXXX/XXXX XXXX**** XXXX XXXX XXXX   XXXX**** XXXX XXXX**** XXXX XXXX XXXX XXXX**** XXXX/XXXX  XXXX**** XXXX XXXX XXXX XXXX**** XXXX XXXX   XXXX****

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-25
Company: National Credit Adjusters, LLC
State: TX
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 tried contacting the National Credit Adjust and also sent a certified letter to Credit bureau XX/XX/XXXX. By lawXX/XX/XXXXhas to confirm the validity of this alleged debt with 30 days or delete it from my credit file. I have a copy of this certified letter and it is dated XX/XX/2020. Today is now XX/XX/2020. I have not heard from either company. Both companies are past the 30 day deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX I purchased a vehicle and was financed through a third party Honda Financial Services. On XX/XX/XXXX I sent an affidavit to this company. I have not received a response as of XX/XX/XXXX. I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Pursuant to 15 USC 1692a ( 6 ), XXXX OF XXXX is a debt collector. I as a consumer am aware that an unrebutted affidavit stands as truth in commerce. Within this contract I noticed a few federal law violations pursuant to XXXX and XXXX. 

XXXX OF XXXX have used my Social security Card aka " credit card '' as defined under 15 USC 1602 ( i ) '', to collect funds for their own benefits, and transfer it to me as a loan, without having any authority for such use, which is an unauthorized use under 15 USC 1602 ( p ), XXXX OF XXXX never revealed the name and address of the original creditor in ANY of the alleged loan document. The first item was that the finance charge did not include the sum of all charges directly violating 15 USC 1605 ( a ) as defined. In this contract the amount that is suppose to be the finance charge per law is described as the total sale price. I was also mislead to believe that this company required me to provide a cash down payment ( in the amount of 1000 US DOLLARS ) in order to be approved for this loan which is in violation of 15 USC 1662.

Pursuant to 12 CFR 1026.23 ( a ) and 12 CFR 226.15 ( a ), I HEREBY RESCIND the consumer credit transaction granting any security interest to XXXX of XXXX willfully and knowing misrepresented the " Truth in Lending Disclosure '' to create false and misleading representation about the use of credit, therefore XXXX of XXXX and its agents are civilly and criminally liable under 15 USC 1611 and 15 USC 1640. 

The notice provided in this contract was also incorrect pursuant to 16 CFR 433.2. With these discoveries pursuant to 15 USC 1692j this contract is false and deceptive. Also no right of rescission forms were provided to me which is a direct violation of 15 USC 1635a.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: BARCLAYS BANK DELAWARE
State: PA
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:
XXXX show up on my credit history ( XXXX, XX/XX/XXXX ) XXXX ( XX/XX/XXXX XXXX ) do not have any knowledge of this inquiry XXXX XXXX XXXX ( XXXX XXXX ) do not have any knowledge of this inquiry XXXX XXXX ( XXXX XXXX ) do not have any knowledge of this inquiry XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ) never gave them auth. to run my credit. I explained to the guy you can just give me numbers without running my credit. 

XXXX XXXX ( XXXX XXXX ) do not have any knowledge of this inquiry it should only been one inquiry which it was on the XX/XX/XXXX XXXX  ( XXXX XXXX ) do not have any knowledge of this inquiry XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) do not have any knowledge of this inquiry Brclysbank de ( XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX/XXXX ( XXXX XXXX, XXXX XXXX ) do not have any knowledge of this inquiry

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 2019-02-20
Company: Bridgecrest Acceptance Corporation
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: Account information incorrect

Complaint:
I am the owner of a vehicle in a car accident XX/XX/XXXX. The car was declared a total loss by the insurance company on XX/XX/XXXX and the insurance company negotiated a payment with the lender. At the time the driver, my husband, was the person paying the car loan. A payment was made XX/XX/XXXX. The lender estimated the car value ( loan and interest at {$19000.00} ). The insurance company sent a check for {$10000.00} ( on XX/XX/XXXX ). We had also been paying for gap insurance ( through Bridgecrest ) and other services along with the monthly payment. During the entire time we were in correspondence with the lender. In XX/XX/XXXX I followed up with the lender ( bridgecrest ) regarding an update. On XX/XX/XXXX they informed me they just sent the documents required to the gap insurance for payment and that would take another 20 days to process. In the interim on XX/XX/XXXX I received an email from one of the added service providers ( XXXX  ) concerning they refunded to Bridgecrest {$2800.00} for the service contract and GPS contact I had. XXXX informed me that the gap insurance would cover any balance remaining after their refund was applied. With the check from my insurance, and the refund from XXXX the company still charged off {$8300.00} to my credit report without a final statement or any other accounting being made. No gap insurance was applied ( even though they were paid at the very least through XX/XX/XXXX ). I requested this from them but have gotten no response.

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 2020-07-12
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received funds from the SBA on XX/XX/XXXX for an approved, executed and funded EIDL loan. The funds were placed into my checking account at TD Bank. On Saturday XX/XX/XXXX I discovered my checking account and bank card was blocked/frozen. I called the bank and was referred to the " Fraud Dept '' which did not answer the phone on Sat XX/XX/XXXX nor today Sunday XX/XX/XXXX. 

I was also told to visit a branch which I attempted to do. The branches are closed and accessible by " Appointment Only '' yet yesterday despite numerous calls to multiple branches, NO-ONE picked up the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10
Company: EdFinancial Services
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
On XX/XX/XXXX I requested a refund from the loan servicer EdFinancial for all payments made after the payment freeze of XX/XX/XXXX. They failed to provide any confirmation statement, timeline, update to my balance on the EdFinancial portal or provide timeline on when refunds would be disbursed. I called up again on XX/XX/XXXX to inquire about my refund to which they stated there was no request. This is completely unacceptable as most lenders have been issuing refunds with in 30 days and have sort of confirmation that the request was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Received a hard inquiry for Transunion XXXX XXXX and I did not apply for anything. Credit score dropped

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 2019-08-25
Company: PNC Bank N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I asked for a refund for online exams purchased XX/XX/XXXX, totally in the amount fo XXXX , from the XXXX XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX. The merchant emailed me with approval of the refund. I never received the refund in my PNC virtual wallet account. On XX/XX/XXXX I contacted the merchant via email with no response. On XX/XX/XXXX I sent another email to the merchant followed up with a phone call wherein the merchant denied having the funds of XXXX $ since having " process the refund request on XX/XX/XXXX ''. After waiting to deal with the merchant directly I was out of the 60 day window period that obligates PNC to deal with a transaction dispute. I filed an out of window dispute request with PNC anyway wherein PNC did not look over my case and simply said they would not approve the dispute because it was past the 60 day window. I filed this out of window request because it is out of window- there should be more consideration and reasoning as to deny the request than stating that it is out of the 60 day window. I do not believe PNC fulfilled its obligation to not facilitate fraud by allowing the merchant to fraudulently keep my XXXX $ via not looking at my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a hard inquiry by Capital One that is negatively impacting my credit score.

I contacted them immediately by phone and they were unable to see it in their system at all bit said it would be investigated. The inquiry remains in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
Transunion Company : XXXX XXXX XXXX, Account # XXXX, XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Account # XXXX, XX/XX/XXXX Company : XXXX XXXX, Account XXXX XXXX, XX/XX/XXXX Company : XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XX/XX/XXXX Company : XXXX XXXX, Account # XXXX, XX/XX/XXXX Company : XXXX XXXX, Account # XXXX, XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than to furnish a account without my written instructions n records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person known or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-23
Company: Early Warning Services, LLC
State: IN
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/23 Zelle sent me an email stating that XXXX XXXX has use Zelle to send me {$240.00}. 
I initially tried to link Zelle to my XXXX account, and was told by XXXX there is a 30 day hold, so I could not receive the {$240.00} - because of Fraud associated wit

h Zelle. Following Zelles instructions, I attempted to link a Master Card Debit
Card with XXXX XXXX. And did not receive the {$240.00}, because XXXX XXXX   has

said Zelle is not a reputable vendor. Again, I did not receive the funds. Finally, I linked a XXXX  XXXX  account to Zelle, and did not receive the funds. Zelle has been no help, and stated I should talk to my bank, or talk to  XXXX XXXX  XXXX. No documents, no tracking, and the money is lost. 

I would like to my {$240.00} returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
State: NE
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:
Obtained a loan through XXXX XXXXXXXX XXXX  in XX/XX/XXXX for a XXXX XXXX XXXX. Contacted the company to arrange for late payment they claimed was never made and repossessed our vehicle a few days later without any legal notice. Because we were not made aware of the repossession, we thought our car was stolen. After finding out it was repossessed, we were not given the information as to where the vehicle would be sold or the option to pay the past due balance. I was not aware until this year that by Nebraska law you must give written notice before repossessing a vehicle. After selling the vehicle at auction, they showed a remaining balance that we would be responsible for. I understand that is how that situation works however, the bank has held on to the loan since the repossession in XXXX and has increased and decreased the balance without any payments coming from us. Since auctioning the vehicle, reporting of late payments after a repossession occurs is an error. I have disputed this many times and the bank had even agreed to remove it from my XXXX credit report but, have not for my other 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 non-monetary relief
Consumer complaint received 2022-08-07
Company: EQUIFAX, INC.
State: AZ
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:
Equifax admittedly sent out millions of incorrect credit scores for consumers. I was a part of this. 
Equifax assumed a vital role in assembling and evaluating my credit and other information. They assumed this role and did not have permission or my consent. Also, there is a need to ensure that CONSUMER REPORTING AGENCIES ( EQUIFAX ) exercise their grave responsibilities with fairness, impartiality, and respect for the consumer ( me ) rights to privacy. 
Equifax gave false scores which made me have a higher payment and interest rate. Equifax did not exercise its grave responsibility. They were unfair, and impartial, and did not respect my rights to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
After XXXX years of being jobless due to health problems, I saw an advert for a XXXX Data Entry Position ( work from home ) and I applied. I was scheduled for an interview and offered the job, which I was so thankful for! I was then introduced to the XXXX  personnel named XXXX XXXX that she will be my trainer for a week and help setup my home office! First, she sent me a document introducing the XXXX XXXX XXXX XXXX XXXX XXXX and the list of working materials I will need to do my work! She then explained that the XXXX XXXX has a certified Vendor and an agent who will help setup my XXXX, XXXX and other machines and software at my house after he had installed the software & inscribed the XXXX ' XXXX logo on them. On the XXXX day she asked if I had a bank account in order to drop in a check for the materials for the sake of time and I said yes! She later sent the XXXX & XXXX checks in the amount of {$XXXX} each, which I deposited at Wells Fargo! I thought the checks were genuine or even if not, the Bank will find out! Surprisingly, Wells Fargo cleared the checks and I deposited the cash where she asked me to, for the agent to pick up and make the purchases! At the end of the day, even though I had found out the Company to be genuine and the XXXX XXXX as the XXXX, the checks were fraud! Wells Fargo claims they trust me and that is their reason for cashing the fake checks in XXXX hours instead of making sure these checks pass through their system to determine they were genuine- so as to protect their trusted Customer as they claimed! They claimed am in the wrong and they have ceased my only funds I have to take care of myself to cover their loss! Their decision I believe is out of shame for not being responsible enough as a bank, because if the Bank CAN NOT identify a false check - how much more me- with NO experience or gadget! They referred me to their deposit account agreement- but on page XXXX, Wells Fargo admit having an XXXX  Fraud filter and XXXX XXXX XXXX in place to protect her customers! How come they failed to use them to protect me remained unanswered! 
In conclusion, I am appealing to your good offices to please intervene in my behalf and advice Wells Fargo to restore my account with my {$XXXX} immediately because I am NOT a thief, had NEVER stolen anyone 's money or property in my soon to be XXXX  years of life! Besides I have all documents including a police report to proof my innocence! 
Thank You Immensely and look forward to your intervention!

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 2021-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
On XXXX/2020, I received an email from XXXX XXXX XXXX, XXXX XXXX that stated that they had a data breach, my account was deactivated, please destroy the card, and a new one would be issued. ( see copy of email attached ) In spite of this notice, I made a payment that was posted on XXXX/2020 and another on XXXX/2020. ( see statements attached XXXX However, XXXX XXXX XXXX NEVER sent me a new card in spite of them receiving payment 13 days after the date of this email. In XX/XX/ 2020,  my credit report alerted me that I had a XXXX status on my credit report for this account. ( Note : I had never been late prior to then or thereafter. I still have this account. ) When I contacted the creditor, they stated that my card wasn't issued automatically because I had a late payment. It was confusing since the notice of breach via email and a payment was within 13 days of each other. Finally, on XXXX/2020, I received the new card that the email stated that I would receive automatically. 
I have disputed this information several times through the credit bureau. I have even filed a XXXX XXXX. XXXX see their response attached, which had some discreptancies ) The creditor refused to assume any responsibility for THEIR data breach, lack of communication on current account numbers and reissuance of cards and THEIR ADMINISTRATIVE ERRORS and how this has affected my credit. I am now trying to purchase a home and this ONE LATE PAYMENT is hurting me badly. It has been over a year and I need it off ASAP. 
All documents proving these statements are attached. 
I am making this final attempt before pursuing legal matters stating how their errors is damaging my future.

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 2019-02-20
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Made purchase XXXX : XX/XX/2018 about {$2600.00} Their advertisement is no interest 24 months payment over {$1900.00} purchases. 
Realized in XX/XX/2018 that my promotion period is only 12 months. It is stated in the statement. 
I called XXXX first and I was told to call the bank. 
I called the XXXX XXXX XXXX, they said they can not do anything after 60 days of transaction. 
This is an " false advertisement " and " consumer fraud '', PERIOD! 
Supervisor in the bank, told me that it was my mistake that I didn't check my statement or didn't catch the error. Basically answer was XXXX forwarded them my purchase as " 12 months '' promotion. 
Why would I, as a consumer, be responsible, if they made an " ERROR '' and put me on 12 months plan instead of 24 months. When I first placed my order, I checked for 24 months of no interest financing. 
I believe this is systematic process ( or error ) and PLEASE STOP THESE COMPANIES AND BANKS TAKING ADVANTAGE OF CONSUMERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I am currently on unemployment in California and my recent payment was stolen on XXXX due to a fraudulent withdrawal at a Bank of America ATM in XXXX XXXX. I reside in XXXX. I have my unemployment debit card in my possession. I have tried to call Bank of America regarding this fraud because they are the ones in charge of disbursing funds but they referred me to EDD. EDD doesnt have a single clue how to handle this, meanwhile Im out {$2000.00} which I desperately need to pay bills/Mortage. Why is it so easy to steal our money? Why cant the red tape be cut so I can take care of my family? EDD is a mess. BofA is a mess. Who will lose their job over this because my tax dollars are being well dispersed among thieves and the desperate tax paying people who need them are again the losers. Please get me my payments.

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