BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-13
Company: OneMain Finance Corporation
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My husbands mother passed away in XX/XX/XXXX. She did not have life insurance or a final expense policy so we became responsible for paying the funeral costs to lay her to rest. My husbands stepfather could not get a loan because he had terrible credit so his sister agreed to sign for a loan from One Main Financial. She wasnt able to get the credit without collateral and she had nothing to secure the loan with, so my husband co-signed. When he agreed to put up his car as collateral, a XXXX XXXX XXXX XXXX, the loan officer talked him into replacing the XXXX with our XXXX XXXX XXXX XXXX, my only vehicle, even though I knew anything about it. The loan officer explained that my XXXX  was worth more than the amount of the loan and would cost less to repair if they were to repossess it due to non payment. My husbands stepfather agreed to repay the debt and made payments every month until he passed away in XX/XX/XXXX. I never agreed to pay the loan or to put up my only car as collateral but the lender repossessed it a few months after he died. Now theyre sending me threatening letters and charging me XXXX  in interest 6 months after repossessing my car and selling it for {$4000.00}. I was never informed of the time, date, or location of the auction where my XXXX  was being bid on and that was my legal right to know. I think the debt needs to be changed from outstanding interest charges accruing daily to settled in full because the lender got more money from the auction than the remaining outstanding balance of the debt. It shouldnt be possible to use one persons vehicle as collateral on another person 's debt without the vehicle owner giving permission or even knowing it was happening. I want the debt settled or else this place needs to be stopped. They prey on grieving family members who cant afford to bury their mother. Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: Experian Information Solutions Inc.
State: KY
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 XX/XX/XXXX I filed a dispute of an error of a chapter XXXX bankruptcy dismissed with XXXX, XXXX, and Experian. I even submitted a letter from the XXXX XXXX court stating that they did not report any bankruptcy on my credit report. All 3 credit bureaus disregard my evidence and refused to delete this error on my credit reports thus hurting my ability to obtain credit. I have never filed bankruptcy.

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 2017-09-08
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/2017, Equifax discovered a security breach involving extremely sensitive, personal identification information of millions of Americans, including social security numbers, birth dates, addresses, driver 's license numbers, and credit card numbers. I was one of the persons affected. 

While Equifax is indeed a victim of this attack as well, I find it unacceptable that Equifax waited more than a month to inform the public of this breach. This gave the criminals far too long to exploit the information that they stole. They should have acted as soon as possible to inform the millions of other victims of this attack. 

Further, Equifax has set up a system to offer a free credit monitoring service for those affected. Unfortunately they are tying such an offer with a requirement to settle any disputes with them in arbitration, rather than the courts. Having a day in court to settle grievances is a fundamental right of every American. I believe that this is a tactic that Equifax is using to limit their liability and/or to limit the amount of monetary penalties that they must pay for any wrongdoing that future lawsuits may find that they are responsible for. 

Finally, I wonder how such a breach occurred, what could have been done to prevent it, and whether or not Equifax did take every reasonable precaution to prevent these sorts of attacks. I believe that an investigation should be conducted by law enforcement or lawmaking bodies such as Congress to determine the answers to these questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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 Account # 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 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 non-monetary relief
Consumer complaint received 2022-07-14
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/2021 Made full XXXX $ + payment and instantly was charged and still owed this continued for the last year every payment was early and over the minimum on the statement it indicates I made the payment but the charges are still applied Now there is a platinum card in my name after I received a copy of this card I placed a XXXX $ payment and put a hold I. Both cards

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On or around XX/XX/XXXX, XXXX sales representatives of XXXX XXXX stopped by my apartment and offered to provide utilities at a cheaper rate than our current provider. I was not home at the time, but my husband refused their services. On or about XXXX XXXX XXXX, I received a notice that XXXX XXXX was my new utilities provider. I contacted XXXX XXXX over the phone to contest the " contract '' and they informed me that they had an oral recording of my husband requesting their services. They would not provide me with that recording and also informed me that the cancellation fee was {$500.00}. On or about XX/XX/XXXX, I received an invoice from XXXX XXXX. At that point I contacted the apartment complex front office and asked them why my utility provider had changed. The complex, XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX TX XXXX, switched me back to my previous provider, XXXX XXXX XXXX XXXX XXXX also informed me that they were filing a complaint against XXXX XXXX and that at least three other tenants had reported similar issues. XXXX XXXX sent me a disconnection notice on XX/XX/XXXX, their last written communication. On or about XX/XX/XXXX, I received a letter from Professional Debt Mediation stating that they were attempting to collect a debt, originating from creditor XXXX XXXX, in the amount of {$470.00}. They also informed me that they would submit a negative credit report, which I have since confirmed.

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 2017-09-08
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX {$7800.00} I called to try to see if I could make payments and I was treated wrongly and threatened to have my personal bank account debit if I do n't make a payment. Than I asked if I could speak with a supervisor and was hung up on multiple times!! They treated me as if I was a criminal.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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: Account status incorrect

Complaint:
I sent documentation to the three credit bureaus to remove XXXX XXXX XXXX from my credit report along with a letter from XXXX XXXX. The file was not removed from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submit these ongoing issues from creditor and credit reporting bureau Equifax. I have requested several times for Equifax to verify and correct misinformation and balances on my credit file all which come back verified disputes. I ask that you request credit history from XX/XX/XXXX in regards to XXXX XXXX XXXX. On XX/XX/XXXX creditor States current balance is XXXX. On XX/XX/XXXX reported to Equifax in dispute balance XXXX. On Credit history for XXXX XXXX from XX/XX/XXXX. I have submitted several times billing documents for hospital proving Medicaid coverage, however disputes continues to verify information. On top of my information being taken in the breach, I am now going back and forth with disputes that are known discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: NAVY FEDERAL CREDIT UNION
State: LA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
on XXXX XXXX I received a deposit from a person named XXXX XXXX into my Navy Federal Credit Union bank account. I was expecting this deposit. On XXXX XXXX, 2016 my checking account was frozen by Navy federal credit union with out any notice to me what so ever. causing all my checks to bounce and leaving me penniless during the entire month of XXXX. The amount deposited was {$15000.00}. ... .the current amount that was frozen is {$13000.00} and is still frozen. they say they want me to deposit another {$2000.00} to make the account back up to the {$15000.00} amount and return it to XXXX XXXX as his name is on the sender and the receiver status of the deposit even tho my account # and routeing # is on the deposit correctly. He got my account information directly from me. I am a XXXX veteran age XXXX and this is very stressful to me. Navey federal has refused to open up my account or to pay from my account my vehicle payments I owe now for 2 months, so they are all late now. also my credit card payments are now 2 months late. they have ruined my credit also thru all this and I have to move like some begger due to them. They say that XXXX bank did the deposit by ach and that XXXX bank is requesting this money be returned to them per request of XXXX XXXX. This is a lie.!!!!! I personally spoke to the Institution that XXXX works for yesterday and it was sent thru their account to my account and they said that their money has been refunded to them already. So why is Navy Federal still keeping my money from me???? HELP ME PLEASE!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: Netspend Corporation
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I purchased a Netspend Card the end of XX/XX/XXXX to use for prior and current year taxes. I noticed my card was missing on XX/XX/XXXX. This exact same day I contacted Netspend and let them knew of the situaution and began with the dispute. I was told that the money that was taken would be deposited back into my account which didnt happen. I faxed over a written dispute letter XX/XX/XXXX. No one contacted me back I had to keep calling requesting to speak with someone. No money was deposited as i was told and as is in the policy. No real investigation was done no camera footage checked or anything. It took over the time that the dispute process was suppose to take and netspend closed my account months later. I contacted the local police made reports contacted the IRS attorney general office did all I can do. I never made any of these transactions or do I have a XXXX area code number. I have been in a finacial hardship causing me to be a XXXX for a period of time. This is insane Netspend did not follow through with their policy that they are suppose to have or give me a full investigation that I should have been given.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Since XXXX of 2020, I have been disputing a XXXX account that appears on my credit report. I have disputed this with the creditor directly, as well as with the 3 major credit bureaus : XXXX, XXXX, and TransUnion. I have requested that they investigate the accuracy of the information, because it is not reporting correctly. There is currently no balance due on this account, because it was paid in full. However, I continue to see several inaccuracies on my credit report and the information that is reporting. Each credit bureau is reporting conflicting information. 

To date, I have not received any response from XXXX regarding fixing the errors on my credit report. This item is reporting inaccurately and should be immediately deleted. 

ALL of this is currently incorrect : -Account type missing on XXXX -Date opened is inconsistent across the 3 bureaus -High balance is inconsistent across the 3 bureaus -Credit limit missing on XXXX -Date of last activity is inconsistent across the 3 bureaus -Date of last payment is inconsistent across the 3 bureaus -Comments on account say the dispute " is resolved '', how can this be when this account is reporting erroneously and I have not received any response to my disputes?

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 2022-02-14
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: Account status incorrect

Complaint:
My request for the correction and removable of the erroneous information on my accounts has been diligently neglected by Equifax. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the information that are still reporting on my account : PREVIOUS ADDRESS : XXXX XXXX XXXX LOT XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX  XXXX, GA XXXX Collection Original Creditor XXXX Balance : {$230.00} Inquiries XXXX  XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: CITIBANK, N.A.
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XX/XX/XXXX : Citibank promised me a {$400.00} bonus for opening a checking account. 
XX/XX/XXXX : Citibank reneged on this promise. 
XX/XX/XXXX : I filed a complaint XXXX with CFPB. 
XX/XX/XXXX : Citibank promised to pay bonus on or around XX/XX/XXXX. 
XX/XX/XXXX : Citibank again reneges on promise. 
XX/XX/XXXX : I filed a complaint XXXX with CFPB XX/XX/XXXX : Citibank promised to pay bonus in 48 HOURS and left contact number XXXX XX/XX/XXXX : After waiting 12 days, still no promised bonus. Voicemail messages to given number go unanswered XX/XX/XXXX : I filed complaint XXXX with CFPB XX/XX/XXXX : Citibank responds they need me to send them XXXX, despite fact they have my SSN and have issued XXXX XXXX XX/XX/XXXX : I mail Citibank IRS Form XXXX as requested XX/XX/XXXX : I logged 7th unanswered voicemail left at number given by Citibank XX/XX/XXXX : I logged 8th unanswered voicemail left at number given by Citibank XX/XX/XXXX : I am filing my 4th complaint on this 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 monetary relief
Consumer complaint received 2021-08-28
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft. The account was removed and now has being reinserted back onto my credit report without my knowledge of this account. I've proof of account showing deleted and reappearing. I have copy of my identity theft report. Remove fraudulent account placed by the collection company from all my credit reports.

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 2022-07-12
Company: Bread Financial Holdings, Inc.
State: KS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I tried to pay off my remaining balance for my XXXX store card in XXXX. I saw the amount leave my bank and I assumed that it was taken care of. Now, when I look for proof that the payment was successful ; Im unable to find anything. Not only that, but now Im being charged a late fee and my credit score has been affected. Ive worked so XXXX hard to improve my credit score and now my life is being ruined by this company. I cant even access my account to make a payment!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14
Company: EQUIFAX, INC.
State: NY
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:
Since XXXX of 2020, I have been disputing a XXXX account that appears on my credit report. I have disputed this with the creditor directly, as well as with the 3 major credit bureaus : Equifax, XXXX, and XXXX. I have requested that they investigate the accuracy of the information, because it is not reporting correctly. There is currently no balance due on this account, because it was paid in full. However, I continue to see several inaccuracies on my credit report and the information that is reporting. Each credit bureau is reporting conflicting information. 

To date, I have not received any response from XXXX regarding fixing the errors on my credit report. This item is reporting inaccurately and should be immediately deleted. 

ALL of this is currently incorrect : -Account type missing on Equifax -Date opened is inconsistent across the 3 bureaus -High balance is inconsistent across the 3 bureaus -Credit limit missing on Equifax -Date of last activity is inconsistent across the 3 bureaus -Date of last payment is inconsistent across the 3 bureaus -Comments on account say the dispute " is resolved '', how can this be when this account is reporting erroneously and I have not received any response to my disputes?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I purchased some XXXX and XXXX ( two different digital currencies ) through the Coinbase application on my XXXX phone. The digital coins were deposited into my account, and now the the coins can not be sent out to other digital wallets. Coinbase is effectively happy enough to take my money, but now it has been about a week and they still wo n't allow me to send the coins out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My tax refunds were deposited into another bank account at my current bank Wells Fargo. This happened on between XXXX XXXX through XXXX XXXX of XXXX. Both returns are close to XXXX. 
I have contacted Wells Fargo several times as my taxes refunds were never deposited into my bank account. As per Wells Fargo, there is nothing that they can do. Wells Fargo refuses to take responsibility for clearing a XXXX and XXXX check that was deposited into someone 's else accounts when the checks names did not match the name of the person in which my tax refunds were deposited. 
As of XXXX/XXXX/XXXX, I have not received my tax refunds because the person took the money out of their account and Wells Fargo refuses to help me with this matter.

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