BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-24
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
As bad as having my loan balance so far come close to triple what I originally borrowed, its nothing compared to the dismal customer service and complete XXXX XXXX that this company is. I've been told although I borrowed money under the federal loan program that my loans do not qualify for the CARES act or the President 's Executive Order.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: AFNI INC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There was a previous complaint submitted that reported that AFNI did not provide sufficient validation of a debt reported owed. Upon receipt of this complaint, AFNI ceased reporting of the collection account and finally provided " validation '', however per FDCPA a copy of a billing statement is NOT sufficient validation. There are no documents supporting a contract between myself and AFNI.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
on XX/XX/2020 I submitted complaint for two accounts XXXX   XXXX XXXX with Equifax. I have no knowledge of this account. Equifax stated that they were able to verify but how if this account does not belong to me. XXXX removed it from my credit file because account could not be verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-24
Company: Coinbase, Inc.
State: KS
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have held for more than 2 years various currency and crypto currency within the account where i have mainly held for savings. On at least one occassion I have transfered OUT funds with no issue. On XX/XX/2020 I looked to transfer funds to another account in my name. After the PROMOTION of a 15 minute normal transfer I saw an email that stated they were withholding my funds for 72 hours. I needed the funds immediately as it would end of costing me XXXX dollars by not having funds in its righful place. 
As they do not have a toll free or any number to speak with a human being they only offer reaching out with a online form. I did this immediately, where I advised this HOLD for security purposes needs to be released and that I would do whatever it took to prove my identity. As well I made it clear this would be costing me if I could not get the funds. 
I recieved an email back quickly asking for a screenshot of my issue. Once I returned the email with what was taking place and asking how to resolve the hold, I got a bounce back email from the company and thus they cut of my communication on the issue. I then tried to start over with a new form and ultimately got nowhere. With no help. 
As noted not having funds transfered did cost me XXXX dollars. After 72 hours the funds were released but it was too late. As well 5 days after the fact they sent an email on the process to release funds within minutes rather than waiting 72 hours, but of cource it was 5 days late. 
In the end I have tried to reach executves at the company and requested the email to get back to me with a phone call. To this point no one has acknowledged me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have been getting multiple credit card offers from Capital One, XXXX  XXXX, and XXXX XXXX  XXXX. Some weeks, I get four mailings from these companies a week. 

Every letter has the same opt-out number, XXXX. I called the number to opt-out and it always leads to someone with a heavy accent who tries to ask for personal information. 

I suspect someone is trying to pull a scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
Company: ATLANTIC UNION BANKSHARES CORPORATION
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received a letter in the mail from Atlantic Union Bank on XX/XX/23 stating that my change of address request had been received & processed. To my knowledge, I didn't have any accounts with that bank. I called the XXXX # listed & asked if they could verify if I had an account with them. The person asked for my SSN. I told them that they were crazy if they thought I was going to give them my SSN. They told me that I would have to go into a local branch to find out then. Fearing that my SSN or identity had been compromised, I pull my credit report. No new accounts had been opened in my name fortunately. I did see where Atlantic Union Bank had performed a soft inquiry on my credit. This made me very angry as my information was compromised on XXXX a few years back. 2 weeks later I receive a flyer in the mail saying that I'm pre-qualified for a heloc. This is a terrible way to attempt getting new customers & I don't appreciate the stress that they caused me. This is why I'm filing a complaint against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Square Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Purchased items, then before leaving the store returned them. Credits not posted back into my account. Merchant denied any wrongdoing. Filed dispute, completed all required steps. Issuer did not investigate properly. After I sent in the 2nd request for information, 15 mins later claim was denied. Issuer refused to contact me as I requested many times. Issuer did not send me supporting documents. Issuer would not reply to emails. Issuers phone does not connect to representatives, only recordings and then hangs up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2019 a background check was submitted for XXXX XXXX to Experian. It listed my current address in XXXX, FL which is incorrect. I live in XXXX, FL and my son lives in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-11
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: Information belongs to someone else

Complaint:
EXPERIAN, XXXX  AND XXXX  ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS, INQUIRIES AND COLLECTION ON MY CREDIT FILE : Fraudulent Collections Accounts : XXXX -- -- ->Date Opened -- -- -- >XXXX XXXX XXXX XXXX : XXXX -- -- ->Date Opened -- ->XXXX XXXX XXXX XXXX : XXXX -- >Date Opened -- -- >XX/XX/XXXX XXXX XXXXXXXX XXXX : XXXX -- -- -- >Date Opened -- -- >XXXX Fraudulent Inquiries : XXXX XXXX XXXX XXXX -- >Inquiry date -- ->XXXX XXXX XXXX XXXX -- -- >Inquiry date -- -- > XXXX XXXX XXXX XXXX  -- -- ->Inquiry date -- ->XXXX XXXXXXXX XXXX XXXX -- -- ->Inquiry date -- ->XXXX XXXX XXXX -- -- ->Inquiry date -- -- ->XX/XX/XXXX XXXX XXXX XXXX  XXXX -- -- ->Inquiry date -- XXXX XXXX XXXX -- -- ->Inquiry date -- -- XXXX XXXX  XXXX -- -- -- ->Inquiry date -- -- >XXXX XXXX -XX/XX/XXXX -- -- ->Inquiry date -- ->XXXX XXXX XXXXXXXX XXXX  -- -- ->Inquiry date -- ->XX/XX/XXXX XXXX  XXXX XXXX XXXX -- -- ->Inquiry date -- -- >XXXX XXXX XXXX -- -- ->Inquiry date -- -- ->XXXX XXXX XXXX -- -- ->Inquiry date -- -- XXXX XXXX  XXXX -- -- ->Inquiry date -- -- >XXXX XXXX -- -- -- >Inquiry date -- -- >XXXX XXXX  -- -- -- ->Inquiry date -- ->XXXX XXXX  XXXX  -- -- ->Inquiry date -- -- >XXXX XXXX XXXX -- -- -- >Inquiry date -- -- XXXX XXXX XXXX -- -- -- >Inquiry date -- -- XXXX XXXX XXXX XXXX -- -- -- >Inquiry date -- XXXX XXXX -- -- -- ->Inquiry date -- -- XXXX XXXX XXXX XXXX -- -- -- >Inquiry date -- -- XXXX XXXX  XXXX -- -- ->Inquiry date -- -- XXXX XXXX XXXX -- -- -- >Inquiry date -- -- XXXX XXXX/XXXX -- >Inquiry date -- XXXX XXXX XXXX XXXX XXXX -- >Inquiry date -- XXXX XXXX -- -- -- -- >Inquiry date -- -- XXXX Fraudulent Address : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX Fraudulent Names : 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 2020-07-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
EXPERIAN Credit Monitoring offered 3 different credit monitoring services ; I chose a Premium. Premium is {$24.00} a month. However, I have called 3 times last year 2019, in reference to multiple charges. I was told, it was resolved. They also advised that because of my Security Freeze on my credit, I had to request services via phone only. Now XX/XX/XXXX 2020 I have another charge of {$24.00} from Experian monthly plan. However, I was charged for this monthly plain 7 days ago on XX/XX/XXXX2020 ( XXXX ). I tried calling them, their website indicate their hours are from XXXX to XXXX. However, when you call a machine states the business hours dont start until XXXX. I have also emailed their support team & decided to leave my credit vulnerable, by cancelling the membership via website. My bank is currently on investigating this issue. However, because it agreed to a monthly fee with Experian, I was told by my bank that this gives them access to perform multiple charges as much as they want ; even though it is not agreed upon nor authorized. This is unfair. I cant be protected by them from suspicious activity because they are the ones committing the suspicious activity.

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 2020-12-07
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I have been a victim of identity theft resulting in these following account SANTANDER CONSUMER USA XXXX being on my credit report. this incident has ruined my life. I have also informed the company of these account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: WELLS FARGO & COMPANY
State: MN
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:
On XX/XX/2018 I went to XXXX of XXXX XXXX MN to get a car. Upon arrival, I signed a loan application. In the application, it stated that the company ( XXXX ) would disclose who my application would be given to, to access my credit report. This information was not given to me at the time, and my credit report was accessed by several financial institutions all across the United States, without my consent. The dealership, ( XXXX of XXXX XXXX ) failed to honor the loan application, and therefore violated my rights within the FCRA. When speaking with the manager of the company, she informed me there was nothing they could do. Attached is a copy of the original loan application. The company clearly states the information, ( who accessed ) my report would be provided. Neither the person who received my application, nor the finance manager offered this information to 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
Consumer complaint received 2020-09-24
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On the XXXX of XX/XX/2020, I enrolled or created a XXXX Account ( US ) profile with the sole aim of purchasing a smartphone through Finance, and I applied for the Credit through TD-Finance ( NA ) and the sum of {$2200.00} was being approved and immediately I placed my order after few minutes email messages are being sent to me that we are sorry your order is being canceled, several repeated orders were placed and all ended canceled with messages that my information could not be verified, several emails and called was being made to XXXX ( US ) but all to no avail, the company was not ready to get the problem fixed also the Bank ( TD ) is not rendering any meaningful assistance to get the issue resolved, they keep passing the buck and none is taking responsibilities to get the anomalies resolved. 

The main frustrating aspect of this whole process is that XXXX is categorically stating to me that, I have to use a different payment option to make my purchase, that my approved credit can not be used, knowing that the credit was been approved to me by her assigned banker for the main purpose of purchasing a phone. 

On the XXXX & XXXX of XXXX emails and reminders were sent to both XXXX XXXX and TD bank NA, no deemed it fit to respond. 

Very unfortunate and frustrating no one is responding to emails I please humbly request that you please intervene in this situation, even if that both ( XXXX and TD Bank ) can not find a common ground to fix this problem, whatever TD bank is going to resolve to, should not affect my credit score which I have over the years built and guided, XXXX, the purpose of this credit request is to keep building my credit A fair resolution I would accept since the company ( XXXX US ) has stated that I can not make a purchase with my credit, TD Bank should please revert to the status quo without having any negative impact on my credit score. 
The credit is not useful or beneficial for the purpose it was approved for and likewise, it can not be used to make purchases with other merchants.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: CAINE & WEINER COMPANY, INC.
State: RI
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 have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: Palm Beach Credit Adjustors, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My son went to the hospital twice in 2016 for XXXX issues. He was released the same night, my son has been insured with XXXX insurance since the day he was born, I provided the hospital with his information. A few months later, I receive two letters from debt collectors saying that I owe {$500.00} for each visit. I immediately called and informed the agent that I don't owe anything, his insurance takes care of his medical visits. I tried to give his info to the collection agency and they refused to take it, they said that I needed to contact the hospital. I called the hospital and never received a call back. Now they have these remarks on my credit report which is hindering me from purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
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: Reporting company used your report improperly

Complaint:
My protection 's privileges have been penetrated and intruded by this bureau which is an immediate violation of federal law. This bureau reporting misleading accounts on their website without my written consent and this is another violation as well. It is their responsibility to ensure fairness, impartiality and protect the consumer 's rights of privacy. I am distressed with their negligence.

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 2020-12-03
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I contacted Regions bank in regards to my credit line ending # XXXX which was put deferred on XX/XX/XXXX which is for 3 months and payment was due in XXXX. I spoke to XXXX XXXX on XX/XX/XXXX as well to confirm that deferred had been successful which I was told it was completed and to just wait on the credit reporting to update. I made another call on XX/XX/XXXX which XXXX XXXX was not available but told me that the credit reporting department was still working on it. I made my XXXX payment on both accounts as discussed. Now today, I get alert from XX/XX/XXXXthat Regions is flagging my account as late which on my account it shows current and next payment due XX/XX/XXXX. I contact Regions again today, spoke with XXXX who imessaged XXXX XXXX and was told that my request for credit update on # XXXX was denied but the deferment had been approved. With your account being under deferred no late payments are reported to the credit bureaus. I was told the late payments showing in XXXX and XXXX would be removed. Now no one is talking responsibility for what I was told. I even made a payment on XX/XX/XXXX as good faith in result of the deferment being added. I have contactedXX/XX/XXXX- regions still has not responded and it been almost a month.

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 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, I am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-11
Company: MECHANICS BANK
State: MN
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:
On XX/XX/2018 I went to XXXX of XXXX XXXX MN to get a car. Upon arrival, I signed a loan application. In the application, it stated that the company ( XXXX ) would disclose who my application would be given to, to access my credit report. This information was not given to me at the time, and my credit report was accessed by several financial institutions all across the United States, without my consent. The dealership, ( XXXX of XXXX XXXX ) failed to honor the loan application, and therefore violated my rights within the FCRA. When speaking with the manager of the company, she informed me there was nothing they could do. Attached is a copy of the original loan application. The company clearly states the information, ( who accessed ) my report would be provided. Neither the person who received my application, nor the finance manager offered this information to me.

Company response to consumer: Closed with explanation