BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-26
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XX/XX/22 Ive sent my right of rescission letter and affidavit of truth to Westlake Financial. I am deducting my liability to pay on behalf of the obligator as I have found several violations and fraud. I was given false and deceptive information ( violation of 1692e ) as I was told that a down payment of {$1500.00} was needed in order to drive off the lot. The buyer may buy the vehicle for cash or on credit and by law you cant do both. Pursuant to 15 usc 1635 ( a ) as I was never told I had 3 days to rescind the agreement nor was given the notices that come along with a consumer credit transaction. I participated in a consumer credit transaction and not a loan Pursuant to 15 usc 1602 ( I ). Also take notice that Pursuant to 15 usc 1605 the finance charge in connection with any consumer credit transaction shall be determined as a sum of all charges which was never disclosed to me which is a direct violation of this law. I am demanding my credit to be corrected and title of the vehicle

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 2017-09-12
Company: Navient Solutions, LLC.
State: ME
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I am attempting to resolve a student loan that is from XXXX XXXX, then navient, i just had XXXX XXXX from consumer credit something at XXXX -- XXXX just call me. Ive offered them XXXX as my loan was XXXX in XXXX they tell me that i have to pay the XXXX that its gotten too or 25 % of that. then claim that I am threatening him when i mention the law suits against Navient, when i offered the XXXX i was told that last month that would ; have worked but not this month the " specials '' are over. They refuse to take the money i have yet say i am refusing to pay. 

what can i do?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: JPMORGAN CHASE & CO.
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
OnXX/XX/XXXX a man called me and asked if I could send a box to XXXX I said I could and someone delivered it. On XX/XX/XXXX, he called again and we went thru the same process. I emailed him the receipts and asked him to sign, which he did. I also asked for a copy of his driver 's license and front and back of the credit card. Also done. On or around XX/XX/XXXX, I received notice that he was protesting, saying that the card was used fraudulently. I followed up with my processor and his bank, all to no avail. My account has been charged back $ 1,700+ and I paid XXXX another $ 1,200+ for the shipments. My card service rep told me that he has worked this scam all across the country. His credit card company is siding with him because he is a " Premier '' member. They are protecting a thief and I am really XXXX. I want and desperately need my money back. Chase will not talk to me since I am not the cardholder. They obviously know that this guy has done this dozens of times ( if not more ) and are protecting him. I have attached documents to support my claim. Chase needs to know that this is not OK. This is a Mastercard World Elite Merit 1 credit card. Please contact me if you need more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: EQUIFAX, INC.
State: NC
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 contacted equifax mid XX/XX/2018 via hand written letter. I asked them to verify with the information that CURRENTLY had on hand and to send me what they had in that file to verify each item. I'm well aware of my rights and know I'm aloud to request that information. I went on further to say " please don't send me back a piece of paper that just says " verified " Well! That's exactly what they did. The accounts are fraudulent so how they are verifing them properly is beyond me, plus they are responsible for furnishing the documents in my file at the time of my request used to verify them anyway, they did NOT. 

They sent me these papers plus a copy of my report. Clearly is a stall tactic. 

I'm now asking the CFPB, FTC and XXXX to step in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: NY
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:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : - XXXX Account # XXXX - XXXX XXXX XXXX  Account # XXXX - XXXX XXXX  ( Original Creditor : XXXX XXXX  ) Account # XXXX - XXXX XXXX  Account # XXXX 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 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 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
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 ( Original Creditor : XXXX XXXX  ) Account # XXXX - XXXX XXXX Account # XXXX 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 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 2022-06-15
Company: CULLEN/FROST BANKERS, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Frost bank called me today... I talked to a lady name XXXX she said someone opened up an account with my name online... I told her it was not me she said she kind of figured that..She told me she will close the account..And she gave me this website to file a compliant..She didn't give me the date or the amount

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/XXXX I deposited a check for {$1500.00} to Huntington Bank. The check was drawn on a local bank and was for reimbursement of expenses. The company writing the check is a local insurance company that is publicly traded on the XXXX. My personal checking account with Huntington has been established for approximately 2 years and has not been overdrawn. I also have a savings account and my loan with Huntington is paid on time. 

On XXXX I got an email saying there was a deposit hold. I was not given access to the first {$100.00} or {$200.00} of the check. Then on XXXX I got a letter stating the deposit hold would be until XXXX/XXXX/XXXX so the bank could review the check. In total this is a hold of XXXX business days however Huntington is open 7 days per week so its actually XXXX. 

On XXXX I called my local banker in XXXX Michigan XXXX XXXX. She was unavailable but a teller supervisor I spoke with at the branch said Regulation CC only applied to local banks and credit unions. She also was unable to release any of the funds and said that payments issued by insurance companies are usually subject to holds. I did look through my records and checks issued in XXXX and XXXX from the same company were not subject to any holds I have been unable to pay bills or conduct normal banking activities this month. Considering my bank branch, home and the headquarters of the insurance company are within XXXX blocks of each other, the hold seems arbitrary and unreasonable. I believe Huntington Bank violated Regulation CC and ask that this matter be looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 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 602 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I am seeking litigation

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 2022-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
During the XXXX week of XXXX, XXXX, I submitted an application for a HELOC loan with the Bank of America Branch in XXXX XXXX. I had an initial call with XXXX XXXX XXXX ( XXXX ). I had clearly mentioned to her the current active mortgages I had on my credit, as well as this HELOC application being applied on my Primary Home. She said that she does not have any concerns about it, and started processing the application. All supporting documentation from my end for my entire portfolio was provided to BoA within the first few days via their case portal. Every week would pass by, with no progress on the file, stating that they are overwhelmed with applications. Another BoA employee, XXXX XXXX ( XXXX ) apparently was in charge of the file, and updates from her happened only when I reached out to her, once a week, until she finally quit BoA, and left my heloc file hanging in there. After they had no progress on my file for over two months, I reached out again for an update, and XXXX XXXX tells me that they are unable move forward with my file due to DTI and something about unable to process the heloc on my primary home. I was not given an opportunity to provide any additional supporting documentation for DTI, or was provided exact details on what my DTI was, per their calculation, even when asked. They just closed the file on me without further explanation. This is just unacceptable where they were stringing me along for over 2 months. Her boss, XXXX XXXX did not respond to my queries either. XXXX XXXX number : 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 2017-09-12
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am having a serious problem with Citibank Universal Card. I had settled my debt with them through XXXX XXXX XXXX 5 years ago. They brought a civil case against me about it. I sent them proof that XXXX XXXX XXXX paid them but the case has not been dropped. So either they have my money or XXXX XXXX XXXX kept my money and lied to me. Either way I thought this was resolved 5 years ago and should not be brought to court over it. I have not worked in 15 years, have multiple medical problems, and am supported financially by my family so this is ridiculous and unfair. Citibank stated that they did not know of the settlement but is suppose to be looking into it now. I plan to review them anywhere possible due to this horrible treatment. 
This is a copy of the proof sent:  the email from XX/XX/XXXX from XXXX XXXX -----Original Message----- From: XXXX To: XXXX Sent: XX/XX/XXXX XXXX XXXX
Subject: Welcome to the Program

Hello XXXX,

I would like to confirm that we have received your signed consent and sent your settlement payment to AT&T Universal Card on your behalf.  This debt is now completely settled and we can move on to other debts that you may owe. 
As stated before thanks to our diligent work and your monthly deposits to your account with us we were able to settle with AT&T Universal Card for XXXX dollars. The payment was received by them on XX/XX/XXXX and this ends your debt with them. Congratulations and we will continue to settle with companies on your behalf.

We will continue to withdraw monthly debits of $XXXX every XXXX of each month for additional debts into our XXXX XXXX account that may need to be settled in the future. 
 
My email address is XXXX  My normal business hours are from XXXX to XXXX central time, so please feel free to contact me if you have any questions.  I look forward to working with you on other accounts!

Thank you!
 
Sincerely, 
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 2022-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
We sent {$14000.00} from our checking account at Bank of America to a fraudulent account at XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022. It was supposed to be a title company 's seller 's 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 2017-10-04
Company: CAINE & WEINER COMPANY, INC.
State: FL
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:
The collection agency CAINE & WEINER are not license to collect in the state of FLORIDA. The address listed on my credit report is NON EXISTENT. It belongs to a self storage unit. Both FLORIDA licenses from CAINE & WEINER have EXPIRED meaning they CAN NOT collect in the state of FLORIDA. I have disputed the account multiple times with no results and the account keeps getting updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2022-01-05
Company: Selene Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX XXXX XXXX my loan number is XXXX company is selene finance my address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ny XXXX phone XXXX my date of birth XXXX. My complaint is that I made a trail payment for XXXX thru XXXX for XXXX on XX/XX/XXXX the reference number is XXXX that should cover for XXXX. The problem here again is that selene finance has not yet updated their computer systems as they claimed. Before. I called them on XX/XX/XXXX and ask them if I'm on a trail modification payment plan the response was that they don't show any modification and that they don't see my XXXX payment of XXXX so when I gave them the money gram information all of sudden they told me that the supervisor is going to make sure that the computer systems is updated showing all the payments I made and that I'm also on a trail modification. I told the selene finance customer service rep that the system supposed into been updated when my loan was transferred from prior servicing to show that I'm on a modification. So I ask for supervisor and she claimed that they gave this to research to have this updated showing that I on a trail modification payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Hi there, I have the following issue with Coinbase : On XXXX XXXX ( more than a month ago! ) I initiated a withdrawal of XXXX euros from my Coinbase account to my XXXX bank account. The site indicated that the withdrawal had been initiated and the money will arrive to the bank account in the matter of few days. After a few day the withdrawal on their site was marked as 'Completed '. However, money did n't appear after 7 day, when I submitted a request to Coinbase, asking where is my money. No one got back to me. Over past few week I tried to reach them using different channels like XXXX, XXXX, but with no success. Please hep! 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: OH
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:
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I purchased TransUnion credit score monitoring all in 3 report. At that time I placed a security lock on my credit file for XXXX. When I logged in on XX/XX/XXXX it was stating that the the service for XXXX was temporarily down. I have not been able to unlock the XXXX report through TransUnion and it is preventing me from doing things with my credit. I have called TransUnion multiple times to get this fixed and they are of no help. They provide NO case numbers so that when I call to follow up, no one knows anything. I was then told it was a technical error, and it needed to be escalated. My subscription with XXXX  cancels onXX/XX/XXXX and I am TERRIFIED that this will never be resolved. My patience is now taxed and the language barrier with the customer service representatives makes this experience even worse. All I want is my credit report UNLOCKED for XXXX through the TransUnion site. This should not be this difficult. It has been saying for almost a month that XXXX is temporarily down.

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 2019-11-23
Company: Experian Information Solutions Inc.
State: MO
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: Problem with personal statement of dispute

Complaint:
First off.. 

this site itself keeps telling me to apply for more and more and more.. it is harassing telling me to apply for more credit knowing my information. yet I apply and get refused.. you know the information. Stop telling me to apply knowing you are hurting my credit.. I disagree.. Credit control is my right if it holds me back.

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 2021-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I thin

k I was involved into check scam. the guy tend to be hiring manager and makes me believe I got a job. then send fake checks to me and ask me to withdraw cash and send to their vendor 's account. they say it is for the computer and software. I make the deposit because I think the bank can check whether it is real check or not. then the check is withdrawn by the bank. The check is fake, and I lost service fee. why bank close all my account. I called the bank but there is no explaination. I reported on ReportFraud.ftc.gov

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