BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-07
Company: EQUIFAX, INC.
State: TX
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:
XXXX Opt-Out Form Confirmation XXXX Thank you for your interest in the XXXX information suppression program. Your request to have information suppressed from publicly facing public records products has been received and is in process. Please note that it may take up to 30 days to suppress your information from XXXX products and services. 

Please note that your information will remain in the following products and services : restricted public records products which are available to commercial and government entities that meet XXXX credentialing requirements and are used to detect and prevent fraud, enforce transactions, perform due diligence, and other critical business and government functions ; products regulated by the Fair Credit Reporting Act ; third party data available through real time gateways ; news ; and legal documents. 

This suppression request does not expire, and XXXX will attempt to suppress all of the information available based on the information you provided in your request. Due to the variations in personal information contained in public records, or insufficient or inaccurate information provided in a request, it is possible that personal information about you may be reintroduced to XXXX products in the future. If you become aware that your personal information is available through XXXX publicly facing products in the future, please notify the XXXX Privacy Hotline and the issue will be investigated so that we may take appropriate action. 

Should you have any questions regarding this confirmation notice, please contact the XXXX Privacy Hotline at XXXX. 

Enter another suppression request ... 






filed to not have public records

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Knight Adjustment Bureau
State: UT
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:
Knight Adjustment Bureau is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt was reporting. I immediately called and settled this debt. I however, never received any calls, notices, or letters from Knight Adjustment Bureau about this debt. This violates my 30 day right to dispute under the FCRA. This must be removed immediately as you violated my rights as a consumer.I am aware that your company has the ability to report this account to the credit bureaus as you deem necessary. Furthermore, you have the ability to remove any accounts since you are the furnisher. I am also aware that while this account is under review you lawfully can not report this on my credit until your investigation is over. If your office continues to report invalidated information to any of the three credit bureaus this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on my credit report by your company I will not hesitate to bringing legal action against you and complain to the Attorney General for the following : Violation of the Fair Debt Collection Practices Act & Defamation of character. During this period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suite XXXX All references to this account must be deleted and completely removed from my credit file and copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I submitted a letter including a signed settlement and release of claims to get an account that was agreed upon by the US COURTS to remove with payment of this account. Ive requested this 3 times and there has been no investigation, no communication. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: LEXISNEXIS
State: TX
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:
LexisNexis Opt-Out Form Confirmation XXXX Thank you for your interest in the LexisNexis information suppression program. Your request to have information suppressed from publicly facing public records products has been received and is in process. Please note that it may take up to 30 days to suppress your information from LexisNexis products and services. 

Please note that your information will remain in the following products and services : restricted public records products which are available to commercial and government entities that meet LexisNexis credentialing requirements and are used to detect and prevent fraud, enforce transactions, perform due diligence, and other critical business and government functions ; products regulated by the Fair Credit Reporting Act ; third party data available through real time gateways ; news ; and legal documents. 

This suppression request does not expire, and LexisNexis will attempt to suppress all of the information available based on the information you provided in your request. Due to the variations in personal information contained in public records, or insufficient or inaccurate information provided in a request, it is possible that personal information about you may be reintroduced to LexisNexis products in the future. If you become aware that your personal information is available through LexisNexis publicly facing products in the future, please notify the LexisNexis Privacy Hotline and the issue will be investigated so that we may take appropriate action. 

Should you have any questions regarding this confirmation notice, please contact the LexisNexis Privacy Hotline at XXXX. 

Enter another suppression request ... 






filed to not have public records

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: EQUIFAX, INC.
State: CT
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:
My personal information was compromised due to the Equifax Data Breach. I have several fraudulent accounts listed on my credit report. I have been contacting Equifax for almost 2 years in regards to theses accounts. I have sent in Identity theft affidavits from the FTC, along with police reports from my local police department. I am not getting any resolution from Equifax in regards to these accounts or removing them with the information that has been provided a numerous of times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: Nelnet, Inc.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My services recently switched to Nelnet. On my old account I was still paying actively on my loans even during the pandemic. Somehow when my servicer switched the monthly payment amount went from {$130.00} to {$1100.00} and they withdrew that from my account which caused a significant overdraft. I contacted both my bank and Nelnet to get the issue rectified and the transaction was reversed through my bank. Nelnet notified me that due to my loan servicer changing this amount was not updated and it would be updated closer to XXXX. This morning, however, Nelnet once again charged the amount and it took out again causing another overdraft after I had already spoken to them about the issue the prior week. My account is now has a balance of XXXX because they processed the payment again after I already called and had the issue rectified and they indicated my contact was noted in their system. Now they are telling me I have to wait 2-3 business days just for the refund to be approved, then an ADDITIONAL 4-6 weeks for a check to be sent to me. Meanwhile I have to somehow find the means to cover {$990.00} within the timeframe I have to wait just for my account to be out of the negatives, in addition to the extra {$210.00} they charged as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: Sequoia Financial Services
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Hello, This is a formal complaint against Sequoia Financial Services. The debt collection of {$1000.00} has been attempted to be collected on multiple occasions even after the request to stop. I have called every month on the XXXX for the past 6 months to ask to please stop calling other people around me. 
I have recently been denied a job opportunity during this extremely hard time during a pandemic due to the negative collection amount from this debt collector. I have gotten word from relatives and other co workers that XXXX XXXX has continued to get information from a third party for me to pay the debt. Violating their privacy and others. 

Under the Hippa law protection, XXXX has violated the terms of this law in trying to collect a debt and providing information that has not been authorized by me. I have been denied a position to survive in these troubling times. 

At this point I have contacted a lawyer and we are prepared to sue for defamation of character and for punitive damages. XXXX XXXX has violated laws in trying to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: EQUIFAX, 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:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXXXXXX 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 XXXXXXXX** 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Companies Involved : Coinbase - account created XXXX - Parent company of Coinbase. Same Coinbase credentials used to log into XXXX XXXX XXXX, XXXX - Created Coinbase account online XXXX XXXX, XXXX @ XXXXEST - Same Day Wire Transfer of $ XXXX from XXXX XXXX XXXX XXXX XXXX, XXXX - submit request to XXXXXXXXXXXX, receive generic response stating to check back on the XXXX. 

XXXX XXXX, XXXX - nothing back from support so reply to support with additonal information. 

XXXX XXXX, XXXX - another request/email to XXXX inquiring about funds, no reply. 

XXXX XXXX - XXXX XXXX - Mulitiple calls to XXXX support with 2+ hours of wait time with no pickup or system hangs up. 

Its been over a month and I have not received my $ XXXX SAME DAY wire transfer to my coinbase account?!?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
**Capital One shopping** app/ XXXX  extension Ive got a couple emails from capital One since I have a couple of their credit cards telling me to download their new service capital One shopping no credit card needed just a free service that provides savings and rewards on online purchases. So I went ahead and created the account looked at deals and they were offering 35 % cashback/rewards on XXXX purchases. Purchase was made on XX/XX/XXXX So I followed the instructions purchase was made of {$140.00} with the reward of 35 % back. After a couple weeks I noticed my rewards were still showing pending and I reached out ( XX/XX/XXXX ) to customer service to let them know this is my first time using the service how long does usually take and what are the proper steps and I made sure I clicked activate as shown in the pictures below so I can get my reward both times reps have told me you have to wait to 30 days and contact us again if it doesnt show after 30 days. After reaching out three more times with no replies even replied back to the lady asking whats going on I got an auto response in case was closed. Capital one claims in their email that they do not pay the reward the merchandise so essentially its a scam and capital one reeks the benefits of affiliate links getting you to click on the link purchase through their link and they get a percentage while the consumer gets absolutely nothing. I only made this purchase through them because of the cashback/rewards you can even see the false advertisement today as I went to their app and it shows 95 % cashback/rewards on the purchase so essentially youre paying 5 % of a total price no business is going to offer that if they want to be around total scam something needs to be done and you can never get a hold of anyone on a phone number its all done by email which is totally frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: FMA Alliance, Ltd.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received 2 calls from FMA Alliance, one on XX/XX/XXXX and one on XX/XX/XXXX. They stated in reference to XXXX XXXX. They wanted my date of birth which I would not give them. On XX/XX/XXXX I went to XXXX XXXX and requested why is a collection agency calling me. I was told that some one took out Online accounts using my name and my SS # in another state, North Carolina in XX/XX/XXXX. The Bank referred the accounts to FMA Alliance. I have since filed a complaint with FTC Identity Theft and sent Letters to both XXXX XXXX  and FMA Alliance. XXXX XXXX did respond to me with an apology and closure of accounts. However, FMA Alliance after two Letters have not responded to me. As per the USPS they have received my letters. I do want some acknowledgement from them as they did contact me re this identity theft. I also sent them some of my Identifications. I want a response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Coinbase, Inc.
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XXXX XXXX, I initiated a sell of XXXX BCH to USD. The equivalent USD amount of {$540.00} was to be deposited to my linked bank account. 

The XXXX XXXX account that was linked to my Coinbase account had become inactive at that time, so the result was that I had inadvertently had the {$540.00} ACH transfer sent to an inactive account.

Though the Coinbase website states the transfer was fulfilled and complete, it was not. I received a call from my prior bank informing me that an ACH transfer had been attempted on my inactive account but was denied. 

Neither the XXXX BCH nor the {$540.00} amount were refunded to my Coinbase account. Multiple attempts have been made to reach Customer Service with no response.

In summary, Coinbase is currently holding funds that should be refunded to my account but will not respond to attempts to reach Customer Service to rectify this issue.

The Coinbase reference code for this transaction is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was offered a settlement back in XXXX in the amount of XXXX. the original balance was XXXX in some change. I advised the collector that i could set up the remaining of my XXXX dollar payments with my credit card, after being advised that one of my payments did n't go through. XXXX has been paid on my account. i called to resolve my account and the collector advised me that i would have to pay the amount the full balance which was XXXX and change. I advised the collector that he was being deceitful. I was never made aware that if a payment was missed that i would have to pay the balance in full. The account is a judgement and listed on my public records and is reported as the incorrect balance owed. I was contacted on the XXXX on my cell phone about my account. At the time i was working and unable to speak about the debt. I spoke with XXXX XXXX, who using verbal sarcasm, which is completely unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: National Credit Adjusters, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Just received a phone call from phone number XXXX which is recognized as National Credit Adjusters. 

I submitted numerous complaints via the cfpb online complaint submittal for acknowledgment of these harrasing calls to a place of business. This is my place of employment and we have a policy in place for no such calls to be verified or answered by creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I deposited a check for {$100.00} ( # XXXX ) drawn on XXXX XXXX to my Bank of America checking account - account # XXXX. The receipt stated that funds would be held until XX/XX/XXXX. The funds were available in my XXXX account because I received my paycheck by direct deposit in the amount of {$2400.00} on XX/XX/XXXX ( see attached document from XXXX XXXX   showing the direct deposit ). 

The deposited check cleared on XX/XX/XXXX ( see attached photo of the cancelled check ). I called Bank of America on XX/XX/XXXX to explain that the check cleared and ask them to release the funds. After being on hold for 20 minutes, a Bank of America rep took my call. The rep stated that despite the check clearing on my XXXX account, the funds still would not be released until XX/XX/XXXX. 

When I asked to speak to a supervisor, I was told that the supervisor was busy with another customer. 

I have been a customer with Bank of America for 16 years and my account is in good standing. There is no reason for funds to be held for 14 days.

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 2021-07-19
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
i went on the forbearancemay XXXX untilXXXX XXXX due to lay off from corona shutdowns i completedthere forbearancepackage, they sent thru the mail like instructed took it to be notarized the noter, notarizedmultiple places we found in the bound paperwork but failed tofind two pages. 
paperwork was sent back for above reason, immediatelytook to noter and fixed the problem mailed back to suntrust they somehow added my XXXXhusbandto the loan unknown to me that i needed to sign his name foracknowledgementreasons only they stated. sent it back again ... signed his name and returned it for a third time they sent it back because it didn'thave his initialson a paper, mind you after a couple times you would think they couldsee i was strugglingto find all the little spots that loan officers are paid heftysalariesto point out for accuracy. 
i then sent it back for a fourth time with a hope and a prayer that id found all the secretspots i started making payments XX/XX/XXXX till i made XX/XX/XXXX payment and they didntsend the paper workbackthey sent all my payments back totalling XXXX XX/XX/XXXX reason being they were not the total to pay the whole forbearance ive called suntrust countless times and no one will answerthe phonei have a XXXX  rep that will not answerthe phone i talked to XXXXXXXX XXXX the housing counselor XXXXtold me to contact hudshe called suntrust to help me work it out we on just that one day was on phone for over 4 hours i dont want to lose my home i know many americans that did the forbearanceplan i've owned this home since XXXX and neverbeen late i have excellentcredit and dontknow where to turn XXXX told me that hud could help me and that you wouldhave a more direct line approach to suntrust or who ever they have sold out too thanks for all you help please call me im not sure what to do or how to approach suntrust as they have cut all lines of communicationivebeen into the branch multiple times and been told that due to merger they can no longer talk to me only the home preservation reptheres no way to get ahold of her or anyone to help they are setting me up for foreclosure XXXX XXXX for accuracy purposes ive included the housing counselor and suntrust home preservationclient representativeplease reply all with necessarycorrespondence i've never paid a payment thru email and i didnt this loan thru emailwhen i've had a problem i've always been able to call and talk to someone on thephonethis is thefrist time in XXXX   years to communicateby email. i had to get mygrandkid to help with this. again obviously i'mstruggling with the timesbut ive got my job going and was and still am ready to resume making paymentsi 've requested and ask for return calls

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 2021-03-26
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
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:
Theres some issue with this because the account is close and I dont know what to do

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