BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-30
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I hope you can help me. There is an account that continues to report in my credit file that actually belongs to my father. I don't know if its the bureaus not doing their job or this collection company that continues to report the incorrect information but it still appears on my file after disputing it several times. The company 's name is XXXX XXXX XXXX XXXX account number the bureaus are reporting XXXX and the company name where it originated was XXXX XXXX XXXX XXXX. I contacted them personally and they verified it did not belong to me and doesn't understand why the collection company would report this. Which also makes me question if the bureau actually researched the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: National Credit Systems,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:
On XX/XX/2019 I sent a dispute letter to the collection agency known as National Credit Systems disputing the alleged account and requesting for account level documentation about the debt to be sent to me via mail. I also sent my dispute via certified mailing. I did not hear or receive anything from the agency until XX/XX/2019. In which they sent a settlement offer but never fulfilled my request for verification of such debt. I then proceeded to send another dispute via certified mailing on XX/XX/2019 stating that the agency did not send me any verification of debt to continued to attempt to collect on the debt via phone and mail. They then sent me an old rental agreement but never stating the break down of the bill on XXXX XXXX. I then even contacted National Credit Systems via phone call in XXXX for them to continue to give me the run around and continuously attempt to collect on the alleged account. 

This has been a struggle for going on a year and they agency has failed to allow me to exercise my rights as a consumer. They have violated the FDCPA ( Fair Debt Collections Practices Act ) and the FCRA ( Fair Credit Reporting Act ). 

I am requesting that this agency National Credit Systems to immediately remove this account from my consumer credit reports as well as stop attempting to collect on this alleged debt due to these unlined violations. I have consulted with an attorney and they requested that I take this route to get this issue addressed but if not addressed and resolved I will be seeking legal actions. So I am demanding that this agency does what's right and we can end this soon. Thank you so much for your understanding and willingness to resolve this unforeseen matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: Risecredit, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Name of Creditor : RISE Address : XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX, TX XXXX XXXX : RISE Amount : {$700.00} Dear Sir or Madam, I am disputing the validity of the debt referred to above. I am not aware of the account number and you have not informed me of the existence of this account. 

I am willing to pay this account IN FULL ( or a settlement percentage, whichever is feasible ) if you agree to immediately delete the account from the credit reporting agencies ( namely XXXX, XXXX and XXXX ) that you have reported to, and validated this account. My sole purpose is to get this item removed from my file. This letter should not be interpreted as recognition of the debt or acknowledgment of liability for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/22, i called 5/3 bank 10 times called, they answered, then said " call center was closed '' but opened 24/7 they answered 2 times then they will send msg on phone " the office is closed '' but they answered. these ppl will not let me check account balance over the phone as ive done many times i do not want to use app ppl steal. these are ppl in XXXX  i just like to conduct business in usa, as my phi, and others things were breached. im filing another complaint as these ppl causing these problems never had problems with banks until these ppl XXXX are conducting business and stealing on top of it gov knows all going on and its allowedMortified!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-19
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2021 at approximately XXXX EST, my Coinbase account was drained of funds. This was an unauthorized transaction. Coinbase support responded to my inquiry stating that it was my responsibility to protect the integrity of the security relating to my account. Further stating they were unable to help in any way. The amount of the unauthorized transfer is for : XXXX XX/XX/XXXX XXXX {$4200.00} XXXX XXXX Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax failed to maintain proper security for the extremely personal information of millions upon millions of people. I was one of those people and now all the information you need to be identified as me is out there in someone else 's hands. I now have to live with the fact someone could use my information to open bank accounts ect. and there is n't much I can do about it. For the rest of my life this will be a possibility and not because of negligence by me but because a company entrusted with such personal information failed to protect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: Mercedes Benz Financial Services
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In the XXXX  months that I have had my car loan through Mercedes Financial, they have misapplied my payments in at least 7 possibly more of the payments. I have called, written and received promises from MBFS that this would not happen again and yet it does. They have assured me that my account will be checked, but then I receive phone calls, and as of today my account is showing delinquent, and I received mail trying to collect a debt already made. The payments are made timely from my bank, I use online bill payment so that I can retain a clear record of the process and item that is processed. On several occasions Mercedes admitted that they improperly posted these payments to other accounts adding a zero even though the check and account number are correct on the check sent to MBFS. I do not want to have to follow up on Mercedes each month to ensure they correctly post to my account. 

Last weekend seeing the account is showing past due, I called MBFS to obtain an email address where I could send a note. On Saturday, XX/XX/XXXX I sent an email but to date have not received a reply. I did however receive a collection letter distributed on XX/XX/10. I have copied of all cleared checks if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: CommonBond, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Problem with the interest rate

Complaint:
I applied for a student loan refinance with Commonbond ( commonbond.co ) on XX/XX/2020 in the amount of {$25000.00}. When they did the soft pull on me, I was offered a 5 year variable rate loan for 0.8 % APR. I opted to select that loan option and submitted documents verifying my Id, Income as well as my loan statement from my current financial institution. At this point in time, I also agreed to a hard credit pull given the rate was 0.81 % ( variable ) which was better than the 1.95 % APR loan I have with XXXX XXXX XXXX. 

After I did not hear from the company for a while, I contacted them again at which point in time they told me that the rate has increased to 4.26 %. I have been able to provide proof for the income I had stated in my application as well as any ID documentation they needed. This is purely bait and switch. I would never have accepted a 4.26 % APR to begin with as my current APR on my loan is 1.95 %. These practices are deceptive and in my opinion against UDAAP. Now, not only do I not have the lower rate, there is also a hard credit pull on my bureau which I would never have had if CommonBond had fairly disclosed their rates after the soft credit pull. I have screenshots to prove the rate offered to me. 

Very disappointed in the unfair and deceptive practices that CommonBond is following, and at the same time this is classic bait and switch. I hope you take actions against this company. 

Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: U.S. BANCORP
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Us bank has been frauding customers for overdraft fees. They are applying overdraft fees without just cause, my account along with several other people are experiencing they same issue

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied to  TD Bank N/A o n or about    XXXX   XXXX   XXXX   for th eir   XXXX   XXXX   XXXX   XXXX   XXXX  since I have an   XXXX   XXXX   accounts. Attempted to contact them several times between  XXXX   XXXX  and    XXXX   XXXX   XXXX  . I  was able to get an recording that my application was denied. A few times I tried to reach an representative I was disconnected. I still as of toda y,   XXXX   XXXX   XXXX   h ave not received an official letter stating I was declined and as to why I was denied. This is a major violation of banking rules and regulations. I have an right as an consumer to know why I was denied. As an result of this I will be filing an BBB and Attorney General complaints as well! I have an right to legally know and receive an letter! My address is still the same as listed on the application and listed in this complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09
Company: PENTAGON FEDERAL CREDIT UNION
State: NV
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
PenFed wo n't let me do anything with my account. I have {$30.00} in my account. PenFed wo n't allow me to update my address even though I mailed them proof of address and proof of identity. They asked me to call and verify the information on the phone and I did call in, but it still is not updated. 
PenFed will not allow me open a checking account with them. PenFed will not allow me to initiate a transfer out of my account. Basically they are holding my money hostage and I have no access to is.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
belongs to someone with a similar name please remove

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 2020-06-10
Company: I.C. System, Inc.
State: MI
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:
I got an alert from XXXX. It showed a collection had been added to my credit report. I called immediately. I have never received communication from this Company to have the opportunity to resolve it before it hit my credit report. 
I called and the Lady asked if I lived in Missouri. I have never lived in Missouri in the past 40 years. She said she couldn't release any information. I want this removed from credit report. It affects my car insurance rates and everything in my life. This is DISGUSTING.

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 2015-10-17
Company: Netspend Corporation
State: FL
Product: Prepaid card
Sub-product: General purpose card
Issue: Adding money

Complaint:
I purchase per paid card added money, then they denied me from being able to use it. The only explanation that would give me was that the count was frozen. After the fact they took my money, but not allowing me to use it. They decided that I was able to receive my money back with in twenty days, as a check. Netspend prepaid will be the last time I will ever use this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-04
Company: Atlanticus Services Corporation
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
COLLECTORS KEEP TRYING TO COLLECT A DEBT PAY IN FULL, STATUES OF LIMITATIONS HAS EXPIRED. ALSO, CALLING MY WORK, CELL HOME AND SKIP TRACING ABROAD IN VIOLATION OF FDCPA, TCPA FCRA ETC..XXXX-XXXX etc..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2020-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ALL 3 CREDIT AGENCIES REPORTING FRAUD ACCOUNTS OF XXXX XXXX 3X ON FILE SAME ACCOUNT VIOLATES " FCRA '' SECTION 506A, 605B, 607, 611 AND 623 ( a ) '' NOT MY ACCOUNT '' NEVER DONE BUSINESS WITH COMPANY " 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 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reviewed my credit report and there are some fraudulent accounts appearing on my credit 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 non-monetary relief
Consumer complaint received 2016-02-10
Company: U.S. BANCORP
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
This is a combination of fraud/scam and unauthorized transactions. US Bank is selling XXXX Prepaid Gift Cards which are n't activated properly upon purchase though the activation slips after purchase indicate they are activated and nothing is wrong. US Bank then forces you to fax in all the card information to their " activation center ''. You do not receive any calls from the activation center, but then the card will be furtively activated without your knowledge and the funds drained. Either US Bank is complicit in supporting this fraud, or they are completely negligent for allowing this to happen. I have attached for reference the images and fax that I was forced to fax to them to have my card activated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
The bureaus are keeping the wrong personal info on y 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 2019-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX am trying to avoid filing a chapter XXXX bankruptcy petition. However, before I do that I want to obtain the actual ownership of my current creditors that went into default several years ago. I hereby file a qualified written request on each defaulted creditor, and if any of these debts were sold off to a third-party debt buyer, then I will review the proper documentation to make sure all proper legal requirements were initiated. Accordingly, I request full validation of the stream of ownership on each account under reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the following has violated my rights : XXXX XXXX XXXX- account - # XXXX, XXXX XXXX XXXX- account- # XXXX, ( Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ) XXXX XXXX XXXX account # XXXX ( Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX ) XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX XXXX account XXXX XXXX ( Address : XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ) XXXX XXXX XXXX- account XXXX XXXX ( Address : XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXXXXXX account # XXXX ( Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MI XXXX ) XXXX XXXXXXXX XXXX- account # XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL. XXXX ) XXXX XXXX XXXX - account # XXXX ( Address : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, DE XXXX ) 15 U.S.C 1681 Section 602 A states that 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.

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 2015-12-03
Company: National Principal Group, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
They called a friend of mine and harassed him. They were apparently trying to locate me. They called me tok and did n't leave a message. I am certain that they are using call spoofing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
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:
My issue is not with a particular vendor/creditor ... The issue I have is with the way in which reporting is incongruent between states... here is an example ... My file is in SC where neg items stay for 7 years ... someone else with negative items that just happens to be a resident of Texas ... their negative items are gone after just 4 years... 

So my point is... I am being treated differently than others... just because of my national/state origin '' ... this is wrong and the credit laws need to be applied the same... equally to all persons ... and right now that is not the case. 

What is my recourse?... I am not being treated equally.

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 2021-11-19
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/21 I received an ATM debit card for M & T Bank for me to activate to an account. I do not bank with this bank and did not open an account with them. I called the bank and asked them to close the checking account and to close off the ATM/Debit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-19
Company: Harris & Harris, Ltd.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The person or company, Harris and Harris keep calling us by leaving a message for us to call them. They do this almost every other day and we have blocked their number yet they keep calling us from the same number that somehow becomes unblocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
The employee took down all of my information. He signed me up for an account. Then asked me to wait a second left the office and came back with an adverse action letter. He said some banks may be reporting incorrect information and this is why he is denying me an account.

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 2022-05-15
Company: EQUIFAX, INC.
State: MD
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX has violated my rights. 

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