BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.

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 knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
Hello I was trying to solve my problem with my late payments. And I received a phone call stating that they were able to take a payment on my home. Come to to find out the gentleman I spoke with was a scammer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Georgia Student Finance Authority
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Upon checking my credit report, I noticed that I was considered " late '' with the markings from this student loan company. The late markings started XX/XX/2021. I was under the impression that the Student Finance Commission was a federal loan that extended all payments for the COVID Relief Act. I contacted them and they informed me to submit and forbearance form and they will remove the markings. Although, my account has been put in forbearance status, the late markings on my credit still exists. This has caused further hardship in which will prevent me from overcoming the financial hardship I'm currently in due to COVID.

Company response to consumer: Untimely response
Consumer complaint received 2018-12-28
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
i purchased a XXXX XXXX XXXX from XXXX XXXX and got the vehicle financed through santander corporation. all through the duration of my auto loan i was assessed all sorts of fees monthly from the start of this loan until i was able to getting credit from another lender. my vehicle was re-posessed and pulled in by company and i had to pay an astonomical amount of money in fees to get my car back. i constantly was on the phone with santnader trying to understand where all the excess fees were being billed to me and no matter how and when i made my monthly agreed upon payments, i was always asessed all the extra fees. i tried escalationg to a manager to no avail. i wrote letters and made weekly phone calls trying to get my account current. santander is an unreputable company and with questionable practices of blling, fees and no customer service. Please make a call to their this company yourself and see the response that you get.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I " had '' excellent credit of 840+ up until a few days ago. Bank of America sent a 30 day late payment to XXXX  and my credit score dropped 90 points. My wife and I have two vehicles, both financed through BoA. Evidently there was a {$470.00} amount that had not been paid that we had no awareness about. There were no alerts or notifications to this point. Our payment every month is {$640.00}. So this doesn't make much sense. I take my credit history and score very seriously - I'm a XXXX XXXX Veteran and I take care of my business and belongings. In addition, I already paid this {$470.00} with another {$500.00} payment just to clear the air when we found out about it on XX/XX/XXXX. I completed a dispute with XXXX and they said nothing can be done, contact the business to resolve ( Bank of America ). They did nothing for me and said I must contact the credit bureau. We do not feel we were given ample time to investigate this matter and resolve properly before BoA reported it to XXXX. Now I have a significant hit on my report which I do not appreciate. Please help me. 

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 2021-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 received a copy of my credit report and noticed there was some information on my report that is inaccurate. I am in the process of buying a home and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following account in dispute is listed below : XXXX XXXX  # XXXX, DEPT OF ED/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, My current address is XXXX XXXX  XXXX XXXX XXXX, OH. XXXX. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC1681j ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this 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 2022-03-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check for {$80000.00} on Monday, XX/XX/XXXX with Wells Fargo. I have been a customer of theirs for almost 40 years and have never had a problem with deposits. I have around this amount or more in my various accounts on and off for the past 5 years. The bank placed a hold on the check. I called 2 days later on Wednesday and spoke to an agent. She told me that the hold was placed to verify funds were available, to which I informed her that the money is out of a HELOC and there would be no problem. The agent told me that if I called back on Monday, XX/XX/XXXX they would be able to lift the hold. When I called on Monday, they told me that the amount was such a large amount that they were not going to lift the hold until Wednesday, XX/XX/XXXX. 

9 days is not reasonable. I have workers I need to pay that will charge me late payments as a result of this. This is a violation of the Expedited Funds Availability Act of XXXX as it goes well past the maximum 6 business days mentioned in the law, nor do they have any reasonable reason for holding the money after verifying accounts are available. Wells Fargo also did not mention to me any hold policies they might have within the past year and possibly longer to my recollection.

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 2022-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX, only address is XXXX XXXX XXXX, XXXX XXXX please remove any other information

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 2021-02-06
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I've been investing in XXXX since 2016 through Coinbase. As of XX/XX/XXXX I was unable to get into my account or even use the app at all. They have a message that says they closed my account but gave me zero warning. After submitting complaints they send me a automated mess that says in can withdraw my money, $ XXXX, but the app doesn't work and the website only gives me the option to close account. I want my hard earned money and their business practices are obviously legal. I've tried to be civil about this. All I want is my money. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX  I mailed a certified money order in the amount of {$1000.00} & also had a {$20.00} bill included to XXXX XXXX XXXX. It was received and cashed and entered into their system as {$120.00}!!!! This resulted in showing my account as a late payment and reported to my credit bureaus. This dropped my credit score by XXXX points. All this made another credit card drop my limit by thousands to a small amount over my current balance. This will be also reflecting negatively on my credit once it updates. This company has destroyed my credit and then reported to the bureaus that it was correct after I filed disputes on each one.

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 2022-03-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I received a phone call from XXXX XXXX XXXX Consolidation they were attorneys and had filed a lawsuit against me and threatening wage garnishment and that they were contacting my employer regarding a 10 year old debt they stated was from an XXXX XXXX XXXX that I have never received any communication or notices about. I told them to stop calling, emailing or threatening me and they still continued to contact me. I am reporting them and their tactics. 
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 2021-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
This is outrageous! I've continiously reached out to Transunion and XXXX about accounts, inquires, addresses, phone numbers, and more that I belive do not belong to me. They've shown me no proof, no signed documents, no response, nothing! These credit companies are not even complying with their own policies withen a timely matter. I take my report very serious and this dilemma has held me back from important opportunities.

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 2022-03-14
Company: EQUIFAX, INC.
State: LA
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:
On XX/XX/2022. XXXX, Equifax, and XXXX failed to produce an investigative report on XXXX aka XXXX XXXX aka XXXX XXXX XXXX accounts posted to my consumer report. It is a violation of my consumer credit rights to report on a debt I never validated. It is identity theft to transfer or allegedly transfer a taxpayer identification number without the authorization of the taxpayer to aid and abet a form of payment. It is tax fraud to not sent copies of 1099c and 1099 OID to the taxpayer by XX/XX/XXXX of the following year. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or allege credit grantor can act as a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX Credence Resource Management posted this XXXX XXXX collections for {$1000.00} to my credit reports. I immediately called them and eventually discovered they had the wrong person. They had SSN, residence address, contacts which were not associated with me. The address was in XXXX TX at an apartment. I have never been to, lived in, or been associated with XXXX TX. I disputed with all 3 bureaus and mailed back the affidavit sent by Credence validating I was not the account owner. By XX/XX/XXXX the collection was removed from all 3 bureaus. 

On XX/XX/XXXX XXXX XXXX posted this same collection to my credit reports. Clearly they purchased this debt from Credence and either weren't provided the file showing I was not the person associated with this account or a they are purposefully ignoring it. 

I also see that either Credence or XXXX XXXX has updated my address history on my credit reports to include the debtors address in XXXX TX, despite the fact I have never been there or been associated with that address. 

Reading the numerous complaints against both of these companies, it seems it is a common tactic to use personal information gathered from affidavits swearing the debt does not belong to the person to, to update and manufacture evidence of attribution. The fact that there are thousands of complaints against these companies and yet there appears to be absolutely no punitive action is beyond absurd. 

My wife and I are trying to close on our XXXX house, and this previously disposed invalid debt appearing the week of closing has jeopardized it not allowing us to close on the original contract. 

I request no more than the immediate removal for my credit reports as well as a side letter from XXXX confirming they have updated the file for their own use and any future owner of this debt they may decide to pass this on to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have a furniture store and use a Pos system. The company I use is Square. I recently had a customer staging his houses and processed the transactions throughout the week. Square red flagged it and sent me a questionnaire. It resulted to deactivating my account and holding my money hostage until 90 business days. Also, no phone contact was provided, everything was done electronically. I need the money to purchase new items as well with pay bills that I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: EQUIFAX, INC.
State: WA
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 a collection in the amount of {$10000.00} on XXXX XXXX XXXX original creditor XXXX XXXX WA account number XXXX. ( Please see page attached from my credit report. ) When I initially moved into the apartment I discovered there with two bulging holes in the roof ; along with numerous other defects in the apartment. I immediately contacted the management office and requested they send the maintenance supervisor and a crew member, along with the apartment complex manager, to investigate the roofing issues, as well as the other defects in the unit. I was assured by the apartment complex manager that these issues would be immediately resolved. The numerous repairs to the unit were never completed. Consequently, I had no choice but to vacate the premises. Due to the numerous repairs that were needed to the unit I was assured by the complex manager that I could vacate the property and that I would be released from the lease and that no collection action would be taken. The apartment complex did not honor their word. The supervising manager fired not only the apartment complex maintenance manager, but the crew member who initially investigated the material defects in the unit. I do not owe any outstanding balance and this false reporting of a collection is seriously harming my credit score. I have tried to contact the management company, as well as the bureaus to remove this collection however, I have not been successful. This line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: EQUIFAX, INC.
State: GA
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 purchased item from XXXX thats not compatible to my computer. I wrote a letter to the company and they refused to take the merchandise back. I had my attorney forward them a letter.. I dispute this charges to my XXXX credit company and I was refunded. Recently, I review my credit file and see that XXXX XXXX XXXX XXXX XXXX XXXX XXXX is report a collection. I want this erroneous information remove from my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EdFinancial Services
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Over the past 30 days I have attempted to contact EdFinancial via email ( 4 times ) and phone regarding a deferment on my account as my child is still a XXXX XXXX XXXX. The holding times to speak to a representative are greater than XXXX minutes and twice I've elected to receive a call back and did not receive XXXX. Despite the numerous technical difficulties I've incurred with uploading a document on their website ( takes so long that the computer stops communicating ), I eventually was able to attach and upload the required supportive document ( Parent Plus Borrower Deferment Request form ) via my account on their website using different computers and web browsers with confirmation of receipt ... and XXXX business days later have not received a follow up. The form was also faxed with proof of receipt. I have yet to receive ANY correspondence all in this matter from EdFinancial and no adjustments have been made to my account. I am beyond frustrated as there is no other way to contact a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, while grocery shopping at XXXX XXXX, my wallet was stolen out of my purse. My husband called banks and credit cards. We were in the US Bank branch shortly after to close checking account and report incident. At that time, {$24000.00} had been removed from our account. Looking at copies of the transaction this theft happened within XXXX minutes in the form of Cashiers check for {$5000.00} and one for {$4500.00} and a cash out of {$14000.00}. The cash out was with XXXX transactions approx. XXXX minutes apart at the same branch with the same teller. During this time, I received no calls or texts from the bank to authorize these transactions. This was done by just using my Driver 's license. The handwriting on these transactions were not even close to mine and I doubt that there is a person who looks like XXXX year old me! This makes me a victim of stolen identity and fraud.Weekly I went into the bank to check the status of our fraud claim. I did this for over 2 months and not one response from US Bank. Meanwhile XXXX XXXX XXXX XXXX ( XXXX ), resolved this issue and credited my account the money that was taken in the same incident. On XX/XX/XXXX, I received a letter from US Bank denying my fraud report claiming I was negligent. I consider I was a victim and that I question how a bank 's internal controls to let a person remove {$24000.00} without a red flag. What training do tellers get to prevent this happening to the bank 's customers who give them our hard earned money to protect. I feel that negligence on the part of the bank needs to be addressed.

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