BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-29
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: Was not notified of investigation status or results

Complaint:
According to the FCRA, in order for you to furnish the alleged US BANKRUCTCY COURT you would need to be able to both VALIDATE and VERIFY the information with original creditor. The US Bankruptcy Court would be the creditor to furnish this information and have previously communicated with through documented mail that they DO NOT furnish any corresponding information to any of the CRA 's. Including but not limited to 3 MAJOR credit reporting agencies and the minors such as XXXX XXXX, XXXX XXXX, XXXX 's and the likes. 

US Bankruptcy Court has also assured me that it is not within their policies or obligations to validate any public records. Following my confirmation with US Bankruptcy Court I also confirmed with XXXX XXXX that they were not able to validate those alleged bankruptcy in accordance with federal law. 

Having the abovementioned information XXXX, Equifax and XXXX is voilating my federally protected consumer rights. In addition to that violation you are also commiting fraud since you claim to have verified this bankruptcy but sources deny that. Should you need a reminder.. please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and I DID NOT give you neither direct nor indirect permission to furnish my information.

I am hereby demanding this entry be permanently removed from consumer file within 30 days from the day you RECIEVE this letter. Should you chose to be negligent in rectifying my affairs. I will follow up with a complaint to CFPB and initiate monetary arbitration is small claims against XXXX, Equifax and XXXX Warm Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: AFNI INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received a copy of my credit report and there is a debt of {$410.00} listed as in collection from original creditor, XXXX XXXX, dated as opened on XX/XX/16. I did not attempt to open any accounts with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: WELLS FARGO & COMPANY
State: MS
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Wells Fargo admits they received a refund check from XXXX XXXX XXXX. This refund was because the company found I had been overcharged over {$800.00} during the period I told Wells Fargo about questionable charges. I asked for months what happen to the check and Wells Fargo denied it was related to the overdraft. 

Wells Fargo refuses to admit any wrong doing. A customer satisfaction check was sent to me in the mail that had a letter stating I should cease communication with the bank after I demanded to speak with the attorneys representing the bank to confirm my suspicions that this entire case is a matter of massive fraud that reaches into this agency. 

I sent the information to the XXXX XXXX XXXX XXXX with a copy of the police report. This agency, CFPB, has done nothing to assist and I am continuing to make these post to prove small town America is still being choked to death by big banks. 

I am XXXX. The funds were stolen from my XXXX XXXX Account being used to manage my health. I am certain I would be in much better health if Wells Fargo had not decided to pick a fight with me. The attachments are the fake customer satisfaction check and the police report. 

I live two hours away from any Wells Fargo locations and online banking was critical for account management. I was denied access to the account soon after the fraud began as currently. As stated earlier, I got a certified letter in the mail telling me to avoid person to person contact with Wells Fargo and employees. After the bank and I tried to verify the cashier 's check all individuals who answered my calls suggested I ignore the letter and go into the bank and they would gladly cash the check for 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 2023-02-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX I received a phone call from XXXX XXXX XXXX, collection agency telling me that I had an outstanding debt due to breach of contract with HSBC bank for approx approximately {$1800.00}. In XXXX I started down a path of receiving a loan from HSBC bank and got pretty far along until I realized they were trying to sign me up for a business loan. When I realized this I let them know I did not own a business so I shouldnt qualify. They quoted me a much higher interest rate for a personal loan and then nudged me to continue with the business loan since if I freed up some debt with the business loan I could potentially start a business making the loan legal. I told them I was not interested in that and discontinued pursuing the loan with them not was I interested in their offer for a personal loan. I never received any loan from them and our communications ceased at that point. They would periodically send advertisements to me for other loans mostly through the mail but other than that I never heard from them again. Then yesterday XX/XX/XXXX I heard from this credit collection agency. They stated there had been numerous attempts to contact me which as far as I know there were not. I felt it could be a scam so I immediately checked my credit reports. First of there was no indication of collection from either XXXX or HSBC nor was the loan I had started to peruse in XXXX on my credit report. Then I noticed on my experien credit report a hard inquiry for that very day XX/XX/XXXX from a consulting company called XXXX XXXX Partners. This was an unauthorized credit check. I immediately put fraud alerts on my credit reports and disputed the hard credit check. This complaint is against all parties mentioned HSBC bank for trying to give me a business loan well knowing I did not own a business then possibly selling my information to a collections agency without ever contacting me. XXXX collections for intimidating me and making me think there was a lawsuit pending in courts and pursuing collection of debt I believe to be false. And XXXXXXXX XXXX  partners for running an unauthorized hard credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: LendingPoint Holdings LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
During the past year as a Lending Point customer I have encountered many problems. The due dates, payment amounts, and late payment information has been inaccurate and still is. Lending Point has failed to update it's systems and that that resulted in an erroneous negative late payments being reported to my credit report, harassing phone calls, and extended wait times when calling to report and correct the issues. 

Recently Lending Point has changed their web site to include a 2 % transaction fee on all payments made via their web site. In an attempt to avoid this exorbitant new charge I recently called to make a payment and now they charge on all phone payments as well. With the payment amounts the 2 % fee can be very expensive, My average payment to Lending Point is {$1000.00}. This would mean an additional {$20.00} charge just to make the payment.

Working with Lending Point has proven to be very difficult and they do not have the customers financial success or future in mind. Lending Point continues to create obstacles that obstruct payment ease, accurate payment amount and due date information, and consumer friendly access to accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
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: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Satander USA this is terrible 17 charge offs for a company being sued in 34 stares. If we had a XXXX in this would have been settled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-29
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I my wife and I made 3 different cash deposits into our joint checking account using NFCU ATM Machines. My wife even went inside a NFCU Branch to use their ATM to make a cash deposit. 
Our XXXX payment was made on online on XX/XX/XXXX in the evening. There was funds available to pay our {$99.00} XXXX bill. 

We had funds available to pay our XXXX bill, on XX/XX/2019 we noticed we got hit with a {$29.00} fee, for return. 

It shows we actually had funds available to pay our XXXX bill. We made several deposits that entire week, what NFCU does they hold out funds and not make them available right away. Our deposits are CASH DEPOSITS. Someone needs to investigate NFCU PRACTICES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that my personal information and my credit file have been leaked. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. 
Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
Accounts XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX/XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX Inquiries XXXX  XXXX  Date of inquiry : XX/XX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX  XXXX A Date of inquiry : XX/XX/2022 XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX  Date of inquiry : XX/XX/2022 XXXX XXXX XXXX Dae of inquiry : XX/XX/2022 PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ 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 2019-11-08
Company: CITIBANK, N.A.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
The XXXX fund transfer authorized by me is sent to a wrong account and my bank, Citibank, N.A., is refusing to refund. 

On XX/XX/2019 I made a XXXX authorization to transfer {$200.00} to my niece, XXXX ( XXXX ) XXXX, and the money was never transferred to her. The money was transferred to the person named XXXX XXXX. I am confident that I correctly keyed in my niece 's telephone number and asked Citibank for the record of telephone number I typed in and the account number linked to that telephone number but I have not received it. The only proof Citibank provided is the transaction record showing the transfer made to one XXXX XXXX and the record does not show the transfer is linked to the telephone number I entered. 

The case number is 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 2019-10-29
Company: SN SERVICING CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Servicer SN Servicing never sent us a loan ownership transfer notice when our mortgage was sold. The XXXX XXXX, new owner of your loan and servicer never notified us within 30 days of the effective date of the transfer. They only transferred in XX/XX/2019 with the court but filed a judgement foreclosure sale before notifying us of transfer. They never sent us notice of the new owner 's name, address and telephone number. 

( and if different, the person who can resolve issues concerning your loan payments or any right to rescind the loan ), They sent information with contradicting dates of transfer, a year after the transfer apparently took place, and never advised us whether the transfer of ownership is recorded in public records. 

We became collateral damage in their transfer process. 

They filed with the court immediately for judgement foreclosure and sale. They are still attempting to sell our home via court, without any genuine effort to modify.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: American Credit Acceptance, LLC
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:
In XXXX, I filed a complaint with the CFPB about the lender for my car loan not reporting my information correctly. I had also filed numerous disputes with each Credit Bureau and filed a complain with the CFPB about the incorrect reporting on my credit report, and the problem has not been fixed. I think the problem lies with American Credit Acceptance ( my auto loan lender ), as they are continuing to report incorrect information. I have tried several times on more than one occasion to work with my lender to ask them to update my credit report, and they have either not responded to me at all nor have they reported my information correctly after numerous disputes with the credit agencies and working directly with them. I have proof that the lender is reporting incorrectly, which I have provided to the credit agencies as well. If this does not change, I will be taking legal action because what they are doing is causing undue financial hardship and causing me to lose future opportunities. What they are doing is illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Over the last few months I have disputed this account with the credit bureaus. Each time the credit bureaus come back and tell me this debt has been verified. This company is inaccurately reporting to the credit bureaus each month. This company is negligently and willfully violated the Fair Credit Reporting Act. XXXX negligently and willfully failed to ( 1 ) conduct a proper investigation of my dispute, ( 2 ) review the information provided by the credit reporting agencies, and ( 3 ) direct the credit reporting agencies to report accurate reporting. I am asking this company to provide me a complete history of this account in its entirely and XXXX can not supply that and report accurate information to the credit bureaus they need to remove this from my credit report. Negligence will be brought into a lawsuit against this company for violations of the Federal Credit Reporting Act.

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 2021-11-01
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: Account information incorrect

Complaint:
Over the last few months I have disputed this account with the credit bureaus. Each time the credit bureaus come back and tell me this debt has been verified. This company is inaccurately reporting to the credit bureaus each month. This company is negligently and willfully violated the Fair Credit Reporting Act. XXXX negligently and willfully failed to ( 1 ) conduct a proper investigation of my dispute, ( 2 ) review the information provided by the credit reporting agencies, and ( 3 ) direct the credit reporting agencies to report accurate reporting. I am asking this company to provide me a complete history of this account in its entirely and XXXX can not supply that and report accurate information to the credit bureaus they need to remove this from my credit report. Negligence will be brought into a lawsuit against this company for violations of the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Transferred Etherium ( worth {$8000.00} ) ( cryptocurrency ) from one online exchange to coinbase on XX/XX/XXXX. Coinbase 's policy is to wait for 35 network confirmations for this transaction to complete. My transaction completed, and has been ready for 5 days, but coinbase has my funds as " pending '' and I can not access them to withdraw my savings. 

I have contacted " support '' dozens of times and only get canned automated responses and never can speak to a human. I don't think they have people actually working support. The emails are just the same text that are on the help section of their website. I can not speak to anyone over the phone because they don't have phone support for issues like mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
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:
I lost access to my account funds as of Saturday XX/XX/23, and have received no way to remedy the situation since then. I have visited my local branch four times since this freeze of my account has occurred, and spoken to representatives via telephone at least a dozen times. Each person tells me a different version of events. It's unclear to me why this hold/freeze was imposed and when I can expect to have access to the funds in my account. 
To make things worse, at the time this all began, this was my only bank account. This is where I keep all of my money. I have XXXX  Social Security checks ( XXXX for myself and XXXX for each of my XXXX children ) that are to be directly deposited into this account in Wednesday XX/XX/. Were I to change the accounts to which those checks are deposited, the change would not go into effect until XXXX. I am a recent widow with XXXX XXXX children and no access to my own money.

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 2021-09-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have previously disputed this account with the bureaus and each time the investigation came back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor was not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me - the alleged account holder - there is no way the bureaus were able to verify this! I'm invoking my rights as a consumer under Federal Law and the bureaus are choosing to blatantly just ignore me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: EQUIFAX, 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 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 response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: HYUNDAI CAPITAL AMERICA
State: WA
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:
Have talked to Hyundai they say account shows XXXX sent letter that account closed but web shows XXXX Disputed on line with XXXX  sent letters to Hyundai all reporting agencies disputed come back missing payments account past due account was paid in full XX/XX/2020. Wife co owner shows account closed paid in full so not sure why this is happening

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