BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-26
Company: Social Finance, Inc.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am putting a complaint in on sofi banking. 
I have been banking with them since 2021. 
They have frozen my account without a reason to why? I have tried to contact them, but everytime it says leave a message and fraud department will reach out. The fraud department do not reach out in a timely manner.. I have deposit that are being on hold due to my account being frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: MOHELA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have federal stafford loans serviced by Mohela. While earning a subsequent degree, Mohela placed my loan into deferral 3 times " automatically ''. This occurred despite my written request to them, per their instructions, to not automatically enter the loans into deferent. 
On each occasion it has taken me at least one month to notice Mohela 's error however try havenot been willing to retroactively remove the ( albeit minimal ) extra accrued interest. 

When speaking with their staff, each time this happens I 'm told that my account is in order to prevent auto-deferral and this wo n't happen again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: EQUIFAX, INC.
State: GA
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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 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 2017-01-23
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have submitted XXXX complaints in the last 4 months regarding Wells Fargo 's incompetence with our Home Mortgage loan. We have requested loan modifications which continued to be denied without a thorough review. We have appealed and requested upper management to address all of our concerns yet we receive very little response with the inaccuracies not corrected. Prior complaint # XXXX Wells Fargo advised in the Rental Income section that the income was added correctly and the negative income was included in the monthly rental debt, however they did not show a breakdown of the rental debt where the negative income was included. Also, in the Re-entry Review Denial response Wells Fargo advises that there has n't been a large enough change to consider a new review, yet when we have contacted Wells Fargo to request a new review because we have raised rents last year which has increased our annual income by {$200000.00}, their response was that we do n't qualify for a new review - why not? Lastly, because we have continually been denied for modification due to Wells Fargo 's incompetence we have been forced to Short Sale our home to try and avoid foreclosure. We, along with our realtor and title company have requested updated payoffs in the last month however we have yet to receive this information. Our last payoff letter from Wells Fargo dated XX/XX/2016 is $ XXXX. Our home is currently listed for sale for $ XXXX. We had an offer for $ XXXX and on XX/XX/XXXX Wells Fargo countered at $ XXXX which is $ XXXX more than the listing and what we owe. Wells Fargo 's short sale department advised that a new BPO was completed on XX/XX/2016 and the value of the home is $ XXXX. We have just received a copy of the BPO and again the figures are incorrect. At the time of XXXX XXXX our home was listed for $ XXXX. The BPO shows that our home is XXXX sq ft ( our home is XXXX sq ft ), it only shows XXXX tax lot # XXXX ( missing # XXXX ), and it shows the sale price at {$150.00} per s/f. If the BPO was done correctly, our home @ XXXX sf x {$150.00} sf = {$750000.00}, plus the missing tax lot = {$210000.00}, our home 's value would be {$970000.00} which would be completely inaccurate. We have attachments to prove our case.

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 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
in accordance with the Fair Credit Reporting act, XXXX, Transunion and XXXX has violated my rights. 15 USC 1692 ( B ) ( 5 ) 15 USC 1681 ( A ) ( 4 ) FCRA 623 ( A ) ( 6 ) ( B ) 15 USC 1681 ( A ) ( 2 ) FCRA 623 ( A ) ( 2 ) Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bankruptcy XXXX XXXX XXXX XXXX XXXX 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. ftc report 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 2022-09-15
Company: EQUIFAX, INC.
State: IL
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 the following dates there are some inquiries that I do not recognize and did not authorize. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I went to the dealership on XX/XX/2021. I was told by XXXX XXXX they were only going to run my credit thru XXXX XXXX. My credit was ran thru multiple lenders without my consent. Heres the inquiries : XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: Gatestone & Co. International Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
This company claims to be a law firm representing XXXX XXXX XXXX. They have called my place of employment and left a voicemail detailing an alleged debt on our public voicemail box. They also call my cell phone multiple times a day, becoming confrontational bordering on aggressive when we have spoken. I have explained to them that I closed my account with XXXX and should not have been charged, nor should I have an account in collections. I have blocked several numbers but continue to receive calls from them regularly.

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 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The accounts below have violated my federally protected consumer rights to privacy and confidentiality. 

Bankruptcy case # 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 a account without my written instructions.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate.

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 2022-08-18
Company: Celsius US Holding LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I opened an account with Celsius Network and transferred money into what I thought was a saving account with interest. The CEO of the company XXXX XXXX XXXX XXXX XXXX publicly assured customers like myself every week on XXXX that the funds are safe. What we did not know is that he used our money to fund other failing businesses. He tried to cover it up with new deposit. This is a clear definition of a XXXX Scheme. Celsius Network filed for bankruptcy and now all of our money are gone. XXXX XXXX XXXX and his associates are still playing around with this company and drawing substantial amount of salary every month using depositors ' cash. 

I hope that you would investigate this company and particularly XXXX XXXX XXXX and all of his associates in this matter. Hundred and thousand of depositors have lost their life savings because of them. This is another XXXX XXXX case. 

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
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: Credit inquiries on your report that you don't recognize

Complaint:
I pulled my report XX/XX/2022 ; and I noticed quite a few inquiries that I did not give written instruction/consent to. These inquiries are an invasion of my privacy 1. ) they have harmed my reputation ; I keep getting denied for having inquiries 2. ) I am emotionally harmed and will not extend credit or apply to anymore financial intuitions, 3. ) I have not been able to physically get a job Provide me with permissible purpose including my written instructions, the recipient source and the purpose ( credit, insurance or employment ) list inquiry or inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.

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 2022-05-26
Company: EQUIFAX, 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 Accounts below violated my rights 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 - Consumer Report Agency can not furnish an account without my written instructions. Please see account below CHAPTER XXXX BANKRUPTCY - ACCOUNT XXXX XXXX. XXXX -ACCOUNT # XXXX XXXX  XXXX  XXXX  ( ORGINAL XXXX  XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: I.C. System, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THRU CREDIT MONITORING SERVICE OF XXXX I WAS NOTIFIED IN XX/XX/2021 THAT A COLLECTION HAD BEEN PLACE AGAINST ME FROM IC SYSTEMS. THE ORIRGINAL CREDITOR WAS XXXX  XXXX. 
I DISPUTED THE ACCOUNT WIT XXXX. THEY SENT INFORMATION TO CREDITOR TO VERIFY THE INFORMATION, CREDITOR AGAIN CONFIRM IT WAS MY ACCOUNT. I CALLED THE CREDITOR PERSONALLY AND THEY CONFIRMED THEY COULD NOT FIND AN ACCOUNT THAT MATCHED ANY OF THE FOLLOWING ; NAME, DOB, LAST 4 OF SSN, ADDRESS, EMAIL. IN FACT THEY CONFIRMED THE ACCOUNT IN REF WAS FOR SOMEONE WITH SIMILAR NAME, BUT LIVED IN NY. I AM IN MD. THE CREDITOR RECOMMENDED I DISPUTE AGAIN. WHICH I DID. XXXX SAID THE CREDITOR CONFIRMED THE ACCOUNT ONCE AGAIN. I CALLED AGAIN, THEY ONCE AGAIN CONFIRMED IT WAS NOT MINE. SO XXXX IS DISPUTING ONCE AGAIN FOR THE THIRD TIME. THE ACCOUNT # XXXX THE NUMBER FOR IC SYSTEMS IS 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 2015-09-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
A man contacted my XXXX year old grandfather and stated he was looking for me and I had 1 hour to return his call or he would be at my house serving me with warrant papers and arrested due to a auto repo that had taken place almost 7 years earlier. i spent over 2 hours negotiating this old debt over the phone with what seamed a legit company for HSBC. I was assured this debt was settled after making a payment over the phone. It would be cleared from my credit as a closed paid off satisfied debt. This was thought to be resolved over a year ago. After all this the account is still showing open, incorrect dates and owing monies and negatively effecting my credit. I am in disbelief this is still unresolved and mortified these creditors can get away with such drastic threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My landscaper ( XXXX XXXX ) notified me that he had received a notice, dated XXXX/XXXX/16, from his bank ( Wells Fargo ) that a {$300.00} check that I have given him on my XXXX checking account had been returned for insufficient funds. Since he had deposited the check in his Wells Fargo account, Wells Fargo notified him that they were placing a hold on the funds and resubmitting the check for payment. 
Since I keep XXXX dollars in my XXXX account and have an overdraft protection feature, I went to my XXXX branch to investigate why the item was returned. On XXXX investigation, it appears the check was paid on XXXX/XXXX/16 and not returned for insufficient funds. I find the sequence of events and dates to be highly suspicious. The sequence is as follows : Check written on XXXX/XXXX/16, Deposit Date XXXX/XXXX/16, Check paid by XXXX on XXXX/XXXX/16, Hold notice sent for insufficient funds dated XXXX/XXXX/16. Plus, there is no indication in my XXXX account history of any returned items. I am suspicious that Wells Fargo is placing unjustified holds on customer accounts, as in this case and collecting hold fees as indicated in the notice or use of the funds while not credited their customers accounts.

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 2022-05-26
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Lanier collection has not validated this account, and I want it to removed since more than 30 days have gone by.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. the below listed account has violated my federally protected consumer rights Navient and XXXX  account # XXXX My student loans are showing that I am 90 days late on my credit report but my loans have been in forbearance for four years while I go back to school. 

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate

Company response to consumer: Closed with explanation