BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: NY
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. the fair reporting act. 
XXXX XXXX Account number XXXX Date opened XX/XX/XXXX. XXXX XXXX Account number XXXX Date opened XX/XX/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 furnish a account without my written instructions 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 records of convictions of crimes which antedates the report by more than seven years. 
i did not give written consent also these accounts are fraudulent these accounts where disputed years ago and the reporting agency still have not deleted these accounts listed this is a violation to my rights please delete asap

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 2023-07-05
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Hello I talked with company about the price and I wanted to return the car. They didnt even give enough information about prices while purchasing the financed used car. that market cost less than it actually and I found out after a couple of months And I reached out to the company. They told me no way they can get the car back and also told me to sell the car and close the credit amoun of XXXX. 
Market price is not even 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 2023-04-02
Company: Coinbase, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I'm a XXXX XXXX XXXX and I was approached by an " investor '' who worked in Crypto Currency, who claimed to have $ XXXX to invest in a rental property. The first communication was via a phone call then after that it was all through XXXX. 
He said that he worked with a network of investors around the world with account balances in excess of $ XXXX and they all worked together to trade simultaneously and move the market. I tried investing {$1000.00}. I sent it to Coinbase via wire and there it was exchanged for crypto currency and from there it was transferred to a Coinbase Wallet where an exchange named XXXX was accessed through a " Wallet Login ''. The first investment went so well that I decided to invest more $ XXXX and of course the gains were astounding. At that point I told him that I needed to be able to withdrawal funds and of course he helped me with that. This went on for a while to the point where I had invested app $ XXXX. My account balance at that point was {>= $1,000,000}. He directed me into a trade for $ XXXX and it happened very quickly. I made the trade and at that point he called me right away to say I had to deposit another $ XXXX to protect the option trade. I told him that wasn't possible and we would just have to wait until the trade closed in 48hrs to see what happens. At that point he deposited $ XXXX into my account to boost the balance to $ XXXX. Just before the trade was set to expire, he called me and again he tried to get me to deposit an additional $ XXXX and or trade at least the last $ XXXX in my account and I told him no I was done. 
The trade finished and of course it was bad and I lost the $ XXXX. In retro spec I'm certain that the XXXX trading platform was fictitious and there were never any real trades made. 
The next step was to try to withdrawal the remaining $ XXXX in my account. I submitted a withdrawal request with XXXX and waited for about 4 hours then I contacted their tech support through the app. The response I received was that since this was the first large withdrawal from my account I had to provide a 20 % deposit to " prove funds '' within 3 days or my funds would be frozen on the block chain for 90days. I was desperate for the funds so I made the deposit. At that point they said I was number XXXX in the que for withdrawals and I had to be patient ... of course for a fee of $ XXXX I could achieve super account status and receive my withdrawal in 15 mins. I did not make the final $ XXXX deposit it became obvious at that point that it was a total scam. I have screen shots of all of this that I am glad to share. This was an amazingly well organized scam. I lost $ XXXX ... ..my life 's savings.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: HCFS Healthcare Financial Services of TeamHealth
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently review a copy of my credit report and I realize that as a consumer Account Resolution Services is violating my rights. They are defaming my character and harassing me according to 15 USC 1692d. They are harming my life and my future. As a consumer I have every right to make sure that my rights are not violate, but yet they are being violated. They continuously communicate with me at an inconvenient time about this alleged debt which is another violation according to 15 USC 1692c. I have attached my ID to help identify me and my FTC 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 2018-03-06
Company: HEARTLAND PAYMENT SYSTEMS INC
State: DC
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:
I have not received any notices of transfer of servicing for my student loan. When I logged onto XXXX on XX/XX/2018 to make my monthly payment, the website page stated that my loan was no longer serviced by XXXX XXXX. I am unable to access my loan account information and billing documents. The alert stated that my loan was transferred to XXXX XXXX. I have been waiting over half an hour to connect with a telephone representative to try to confirm the transfer. Further, I am trying to also connect with their online chat system but the chat box has stated that a rep will be within 13 min, but I have been waiting longer than that and no one has responded. I am unable to get in touch with anyone on Heartland to confirm the transfer and figure out where to send my monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: EQUIFAX, INC.
State: KY
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:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, and XXXX has violated my rights. 

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 furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Please refer to CFPB Case # XXXX. In the third paragraph of the letter dated XX/XX/18 which a copy was provided to you XX/XX/18, the funds went to XXXX. I specifically entered XXXX. The area code listed by Wells Fargo is incorrect. At this point I would like for Wells Fargo to refund the {$200.00} listed in the letter to my account. 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 2023-09-07
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting 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:
This was my XXXX submission of complaint through CFPB regarding the remaining fraudulent inquiries in my Experian Credit Report and the fraudulent inquiries the have not attended by the XXXX Credit Bureau. And because of these I kindly ask the Consumer Financial Protection Bureau ( CFPB ) to please assist me in making sure these fraudulent inquiries, especially regarding my XXXX Credit Report inquiry issue to be fixed. Here 's the list of the fraudulent inquiries that I needed to remove : EXPERIAN : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-09-07
Company: REGIONS FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Hello, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was researching something for an assignment Im on and came across the CFPBs Consumer Financial Protection Circular dated XXXX. The situation described as a UDAP violation is exactly what occurred to me when I attempted to close my account at Regions Bank in late XXXX. Of course, they could have corrected that practice by now, but I do know that I was assessed {$170.00} in overdraft fees due to them reopening my account after I had already closed it. Regions stated that because I did not stop my bill pay items, that they reopened my accounts to pay my bills. However, I determined that there mustve have been an interface issue with XXXX XXXX pay software and the XXXX XXXX XXXX I was using, as I know for a fact that when I went to stop scheduled bill pay items there were none listed. However, Regions claimed that it was my responsibility to stop the bill pay items prior to closing my account, hence why they reopened it to pay the bills ( with the {$0.00} in my account? ). After so many calls being bounced between Regions and XXXX as they both blamed each other, I simply refused to pay the {$170.00} negative balance on the account. Regions offered to cut the amount in half that I owed, which I respectfully declined. Thankfully, I dont believe my negative balance was ever sent to collections or reported negatively to the credit bureaus. 

Of course, 2 years is a long time and the bank definitely could have stopped the practice by now, but I wanted to at least submit this complaint in the off chance that consumers were still being harmed.

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 2019-03-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have medical bills that were not paid because of bad insurance that didnt pay and the billing department that knew that I was a veteran and didnt bother to send the bill to the VA billing department. It is still on my credit report along with bill that are over 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 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 2022-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
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:
On XX/XX/2022 I noticed two unauthorized inquiries being reported to all three credit bureaus by Capital One Auto Finance dated XXXX and XXXX. I did not authorize any dealership to submit an application to Capital One nor did I myself submit an application to them. On the same day I mailed by certified mail a request that they investigate these inquiries and remove them as they were fraudulent. 

On XX/XX/XXXX I received two of the same response stating that they would need more information to investigate this matter. On XX/XX/2022 I responded with a letter including all the information they asked for. On XX/XX/XXXX I received the same letter ( dated XX/XX/2022 ) asking for more information. On XX/XX/XXXX I mailed by certified mail another letter including the information they requested. On XX/XX/XXXX I received two of the exact same letters from them requesting information before they could investigate this matter! 

I mailed all my responses with certified mail and have proof that they were received, however Capital One Auto Finance is seemingly refusing to investigate these inquiries. I have included copies of all my correspondence with them and the certified mail slips. I believe these responses were sent to me as a stall tactic to avoid dealing with this issue. I then escalated the issue further and filed an FTC complaint reporting these fraudulent inquiries. Capital One refuses to investigate and cease reporting fraudulent inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: SUNTRUST BANKS, INC.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Suntrust Bank has duplicate reports, reflecting negative history. 
XXXX XXXX XXXX was mortgage service r and collected payments until XXXX 2014 which were on time along with ChXXXX arrears current status. 
Mortgage hard inquiry most recent not authorized to be done.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-10
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: Account information incorrect

Complaint:
I request the credit report agency to investigate the false collection. They reported back to me stating that its accurate. I did thorough research, and this account is inaccurate. 
XXXX XXXX XXXX. XXXX, XXXX Account XXXX Original Amount Owed {$2000.00} In accordance with the fair credit report act XXXX Account XXXX, has violated my rights. 
15 U.S. Code 1681- Congressional findings and Statement of purpose. It also states a consumer reporting agency can not furnish account without my written instruction.

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 2023-10-18
Company: PNC Bank N.A.
State: PA
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:
On or about last Friday XX/XX/XXXX   I was informed by a customer service representative that my checking account was compromised. And they put a hold on my account. However to this day they havent provided any accurate evidence except for their constant lying. Because at one point they stated that someone called their customer service trying to get into my account. And now theyre saying it came from an online source. So on this past Saturday I goes into the PNC Branch @ XXXX XXXX XXXX XXXX Pa XXXX and had to open another account. Claiming that both accounts were put on hold. But when I contacted their Acceptance Department @ XXXX XXXX XXXX in reference to a check for {$370.00} that came in they refused to transfer money from the new account to cover the funds and I got notified from PNC Bank by way of email that my Checking Account is now overdrawn. And they keeps referring my complaints to the same non caring customer service representative XXXX XXXX to whom is continuing to cover up PNCs misconduct and lies. Because someone from their Acceptance Department stated that there were 14 errors done one my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Experian Information Solutions Inc.
State: NY
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:
The agency is reporting the account as in collection when it never was. I have contacted the agency as well as Experian credit to try and get this corrected to no avail.

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 2018-11-20
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was never contacted about this debt, I didnt receive a phone call, letter, or anything regarding this debt. It is now reporting on my credit repor. I would like an opportunity to review the debt and pay it immediately if so without it damaging my credit since there was no knowledge.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29
Company: Navient Solutions, LLC.
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I made a request for an income driven repayment, around the beginning of  XXXX ,  201 7. I submitted it to Navient, as requested by the Department of Education. I was by    letter it had been approved by Navient, even with the dollar amount of repayment. Yesterday (   XXXX   XXXX  ) I got a phone call, supposedly from  Navient  demanding monthly payments that are huge, far more than i can afford or than the approved amount in the repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. 
The accounts in question are listed below : Account Name : 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 XXXXXXXX Under the Credit Reporting Act, 15 U.S.C 1681g I have a right to demand that you disclose me all of the documents that you have recorded in your file at this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate items on my credit report and distributing them to 3rd parties you are damaging my my credit.

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 2019-11-26
Company: Flagstar Bank, N.A.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was a conventional purchase transaction which closed on XX/XX/2019 through XXXX XXXX XXXX XXXX located in XXXX, PA. Shortly after closing my loan was transferred to The XXXX XXXX, who apparently sold the servicing rights to Flagstar Bank. My Account number with Flagstar is XXXX. My first payment due date was XX/XX/2019. I received a payment notice from both The Money Source and Flagstar both requesting I make my first payment to each of them. I contacted my original lender and he has been trying to get to the bottom of this ever since. The payment notice I received from Flagstar was incorrect as they failed to include the escrow amount of my School Taxes. My correct total monthly payment should have been {$3100.00}. After several months of back and forth with Flagstar, they still can't get my payment amount correct. Just recently they sent me an escrow refund check of over {$5800.00}, but that should not be returned to me since I need this in my escrow account to pay future taxes. Flagstar is also " double charging '' me the cost of my monthly mortgage insurance. The correct amount of my monthly PMI is {$200.00}, but the dopes at Flagstar are trying to charge me {$410.00}. They are so bad and now I am afraid my payments will be reported late. My original lender, XXXX XXXX has been trying in vain to straighten this out, but to no avail. Please help me. I have been unjustly persecuted by Flagstar!  All I want to do is make my monthly payments for the correct amount. Please Help 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