BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-09
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX XXXX-VIN # XXXX This vehicle was repossessed by XXXX XXXX and sold on or about XX/XX/2016. 
Under the laws of the state of NJ ucc9.506 and state RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure times were adhered to.Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the vehicle. If no proof is provided any continued collection or reporting on my credit reports will be considered a violation of theFDCPA and FCRA.

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 2023-11-27
Company: JSZ Financial Co., Inc.
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
-This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX XXXX  per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
XXXX my bank account with citibank was hacked. Fraudlent XXXX transactions wiped my bank account clean totaling {$1300.00}. I notified the bank immediately. They told me they would " investigate '' the transactions and it would take 10 days. 10 days later I was given a temporary credit for the full amount and a notice saying a full investigation took 45 days. They wanted more information from me. This was some form of " spoofing '' but i did NOT give any personal information. The spoofer already had all of it. I truly think the hack went through the app on my phone. Citibank said they were going to withdraw the full amount back out XXXX based on their investigation which they did with NO explanation how this was my fault.

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 2019-08-09
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
This all started on or around the middle/end of XX/XX/XXXX. 

My account was closed for no reason. 

I went to check my account online only to find out that it had been closed. I tried to contact the company on this day only to find out that my account online had been suspended. Also I tried phone contact and the automated system is telling me the same thing and would not process my call for me to speak with a customer service rep. 

On XX/XX/XXXX I finally was able to get through and spoke with XXXX ( Supervisor in the Acct. Protection Services ). XXXX stated that the account had been suspended for fraudulent activity and that it was being looked into. I would be notified via email. I never received any type correspondance from Amex/Bluebird in regards to my acct. Every customer rep that I spoke with this day is telling me the same thing. 

So on XX/XX/XXXX, I called again and explained my situation to a customer service rep. Who responded with the same info as the call on XX/XX/XXXX. Now I ask to speak with another Supervisor. I speak with XXXX ( Acct. Protection Servicces ). XXXX says my account is still being investigated. It takes 7-10 business days. She went further on to say that {$28.00} was being sent back to sender ( XXXX XXXX ) & the balance of $ XXXX-a direct deposit transaction will be refunded via a check. Again 7-10 business days. Still no correspondance from AMex as to why the account was closed and when/where my money is, What transactions were fraud. nothing. 

i given plenty of time for some type of letter, something to be sent to me. I had a balance of {$66.00} left on the acct. It wasn't returned to sender and I have not received my funds back. These funds had been sitting on the account why wasn't it flagged upon deposit. Which by the way was from a legit bank account. 

Today XX/XX/19 I call the company again demanding an answer as to where my money is. I again speak with a customer service rep. who by the way had me on hold for like 15 min. only for her to tell me the same as previous, and that I would need to write the company. I then speak with XXXX ( supervisor ). She also had me on hold for like 15min. Today this whole call started @ XXXX and went on 42 minutes. Being put on hold multiple times only for XXXX to come back and tell me that I need to write the company @ XXXX XXXX XXXX XXXX, GA XXXX. Also that I will not be getting my money refunded to me for fraud. 

WHY AND WHERE IS MY MONEY. IM TIRED OF THE RUN AROUND. All I want is my money back. You can't just take my balance on my card, close the account and not say nothing to the customer. It's bad enough if you send me a check I have to pay to cash the check for my own money. 

To resolve this issue all I want is my money back. After repeated attempts to get answers and my money back your company is not doing anything to assist me and I'm 1 livid person right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I received a notification from Truist that my new debit card was returned to them undeliverable, I tried to call them many time waiting more than 45 minutes to speak with someone, was impossible. 
So I need to request a new debit card for each account I own with Truist XXXX XXXX XXXX XXXX XXXX XXXX To be sent to my mailing address on my profile. 
Thanks

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: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XXXX XXXX, XXXX I opened an account with Coinbase ( Digital Currency Exchange ). I was appoved and was able to do online transactions with Coinbase website. I was able to buy 2 Bitcoins, 4 Etherium, and 1 Litecoin. 

On XXXX XXXX, XXXX, Coinbase website started asking for indentity verification when I tried to buy and sell my digital currency holdings. But everytime I verify my identity, the website gives me error. My identity is not verified according to the website. I have answered all the questions correctly and have inputted all the correct information but Coinbase keeps giving me error. Because the website could not verify my identity, I could not make any online transcation anymore. I could not buy or sell online. My account is basically frozen. 

I contacted their customer support several times through emails and followed them up by phonecalls. Coinbase customer support is not very consumer friendly. They would not not help me or get me to the right people. After talking to several customer support personnel, one Coinbase employee finally said that my case has been elevated to the higher up and that someone will contact me. This was in XXXX XXXX. No one contacted me eversince. 

It is now XXXX XXXX, XXXX and Coinbase still could not verify my identity. I have tried and tried and I have submitted all the required documents and information but still my online transaction capability is frozen. Since XXXX, the value of my investment has went up from {$9000.00} to {$42000.00}. But I could not liquidate my account because my online transaction capability is frozen. I have already missed so much opportunity and would have made over {$30000.00} already if my online transaction is not frozen. Please help me! 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: EQUIFAX, INC.
State: NY
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:
I noticed inquiries on my credit report that I didn't authorized or initiated. The inquiries in question shows two on the respective dates XX/XX/2023 and XX/XX/2023. I contacted their offices and I was told to file a a dispute with Equifax which I followed. However, Equifax has refused to delete the inquiries even with FTC Report and all my identification particulars sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: CONTRACT CALLERS INC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Upon researching my credit report it looks like Contract callers is trying to collect a debt in a state where they are not authorized to do so, also I never had any dealings nor signed a contract with Contract callers nor did I give them permission to use my information and report it to the CRAs under 15 USC 1681b permissible purpose this account should be immediately deleted I was able to send a verification of debt on XX/XX/2023 attached ( exhibit 1 ) I then checked XXXX and they verified that Contract callers is not authorized to collect in the state of NJ ( exhibit 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: EQUIFAX, 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 am a Consumer that is protected by the laws of the FDCPA & FCRA attached you will find several Violations from the following Credit Agency and I would like to resolve these issues. VIOLATIONS from XXXX, XXXX & EQUIFAX see attached ;

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello and Good Evening, I was advised to reach out to you all about some things on my credit that is not mine. I wentto cosign for my mom on a car and my mom and I was denied because of me. There are some things on my credit that is not mine and that needs to be taken off XXXX XXXX XXXX XXXX XXXX, XXXX DEPED.

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 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I was a victim of identity theft. I got a alert from my fico that someone has stolen my identity. They charged all of my credit cards without my permission. After stealing my identity, I would like all of these removed from my credit profile.

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 2019-08-09
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I contacted American education services about my loan last night asking for a forbearance form because the payment for my loans I can not afford due to my XXXX XXXX XXXX being diagnosed with XXXX. They claimed they would send me my forms right away. I just received the form today, XX/XX/XXXX, which is when my loan payment is due. Like what the XXXX? This company does not care about anything but their money. This is why people should not go to college. Not only did they just send me my forms but they also send me an email two days ago saying my payment was due today. Why the XXXX arent I getting that email a week ahead of time??? Im starting to get so sick of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
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: Investigation took more than 30 days

Complaint:
Sent XXXX & XXXX and Debt Validation to XXXX and certified mail w/signature was signed and dated for XX/XX/2022, signed by " XXXX XXXX XXXX XXXX Received an email on XX/XX/XXXX from " XXXX XXXX '' advising me of receipt and they will be working on my correspondence within 30 days. On XX/XX/XXXX, sent a reply to XXXX requesting for the reply since it was well over the 30 days. No one replied up until XX/XX/XXXX, from " XXXX XXXX '' requesting I verify information by giving them my XXXX acct number, or social security number, XXXX and First and Last Name. Also, I should restate question and concern. 

On XX/XX/XXXX, I received a message stating the XXXX account has been closed and the amount has decreased. Still no update from XXXX. 

XXXX has destroyed my credit report along with my reputation to gain additional credit since this reporting is derogatory on many levels. 

I am demanding this account deleted from all CRAs including but not limited to, XXXX XXXX XXXX, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
XXXX ; XXXX  and Transunion are reporting incorrectly on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is reporting a balance due of {$8900.00}. The vehicle was sold at auction and sold for more than the balance due and owing and therefore this account should be reporting a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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: GREAT LAKES
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I am currently going through economic hardship, I am struggling to repay my student loan. I have already reached out to my student loan lender ( XXXX XXXX XXXX ). Since XXXX 2017 they have been unable to cooperate with building a repayment plan with me. However recently after many months, I have finally come to an agreement with XXXX XXXX XXXX with am income-driven repayment plan. However, this does not include my negative effects on my credit score ( payment history ). This is negatively affecting my chances dramatically of acquiring a financially stable employment status which requires a credit check from all sectors within my XXXX XXXX XXXX. In other words, I cant successfully acquire a job with my degree because it requires a credit check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: Westlake Services, LLC
State: AK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
XX/XX/XXXX I put in an application with WESTLAKE FINANCIAL on XXXX for a XXXX XXXX XXXX XXXX  {$100000.00} XXXX. I was called and told I needed to put % XXXX down which is securities fraud as I traded a security for a money purchase loan yet did not receive funds for the loan pursuant to the EFTA. I as an investor into their company extended credit to them for Security Transfer Agent service and am not receiving benefit and am being discriminated against. Fiduciary duties are being denied per the Trust Indenture Act of 1939. The Securities Act of 1933, Securities Transfer Act of 1934 and the Emergency Banking Relief Act. Under WESTLAKE FINANCIAL 's SEC agreement they agreed too the, Equal Credit Opportunity Act, The Truth In Lending Act and the Electronic Signatures in Global and National Commerce Act. 12 CFR 1002 Regulation B, 16 CFR 433.1, 16 CFR 433.2. 12 USC 412, 15 USC 1691. If my application will not be properly administrated per Law, I will run a Securitization audit on said application and contact FINRA for securities fraud. 
XXXX XXXX XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-08-09
Company: MIDCOUNTRY FINANCIAL CORP
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: Public record information inaccurate

Complaint:
The company never reported the account as being in collections/charge off status even after being awarded a garnishment in a judgement. 

The company never posted the payments from the garnishment and never closed the account. 

The company misreported the status purposefully even after it was brought their attention and the company charged more than what was stated in the judgment. 

This company has held my credit hostage for over a year even after full repayment. 

Never ever get a loan from Heights Finance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Synovus Bank
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:
Ive sent in several dispute over the past six months. For some strange reason first progress XXXX XXXX bank continues to ignore my dispute as soon me letting him know that I never on these credit cards they were open as fraudulent someone stole my identity not sure why I have to keep continue to do these speeds at this point Im not sure what else I need to do feel like my back is against the wall so therefore I will be making a complaint with the attorney generals office

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
There is a new inquiry from XXXX XXXX on XX/XX/2022. The one on XX/XX/2022 was authorized and resulted in an account opening. The one from XX/XX/2022 is unauthorized and was unlawfully performed. 

XXXXXXXX XXXX  Location XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX Inquiry Type Individual Requested On XX/XX/2022, XX/XX/2022 Phone ( 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 2019-10-01
Company: EQUIFAX, INC.
State: KY
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 ; XXXX and XXXX  are reporting incorrectly on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account is reporting a balance due of {$8900.00}. The vehicle was sold at auction and sold for more than the balance due and owing and therefore this account should be reporting a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation