BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-16
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: Information belongs to someone else

Complaint:
The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX and Several times prior to that. 


Account Name : XXXXXXXX XXXX Account Number : XXXX AMOUNT : {$520.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX  Account Number : XXXX AMOUNT : {$520.00} Reason : Account is fraudulent Account Name : US DPET OF ED/XXXX Account Number : XXXX AMOUNT : {$1800.00} Reason : Account is fraudulent Account Name : US DPET OF ED/XXXX Account Number : XXXX AMOUNT : {$3200.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$460.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX AMOUNT : {$5900.00} Reason : Account is fraudulent Inquiries : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OR
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I worked as a XXXX until XX/XX/2006 I was forced to take an early retirement because I got XXXX which XXXX. I was sent to University XXXX. So, I am able to XXXX, I have been plagued with complications since XX/XX/2006. XXXX. 
This is just on going with this XXXX. I am not a XXXX either. XXXX is undifferentiated XXXX is awful. 
I was a single mother of XXXX kids in my early XXXX when this hit me. I am still on XXXX I do not even drive and have n't since XX/XX/2006. 
I was n't able to pay off this credit card HSBC Bank, Nevada, NA I sent them a letter with XXXX and explained that I could not repay the debt. 
I lost everything financially, but because I work so my XXXX kicked in to cover my insurance and living expenses. But, because I always worked I am not eligible for state or federal aid just HUD. 
Its been 10 yrs but this guys called me and has started sending me collection letters and phone calls. 
I do n't have anymore money then I had then I have to pay for my own meds, co-pays, XXXX pays most, but I have a gap policy to pay, its a spend down on my XXXX XXXX it is all I live on. 
My kids moved me here from XXXX area to XXXX so I can be close to my grandkids. 
I do n't believe that if they got a Judgement I was in a XXXX and never got served. You had to be in a XXXX for months with every XXXX this has been on going for 10 yrs. I have a XXXX now and donated my XXXX for military. My XXXX is ok. I have had XXXX in hospital for 10 days on XXXX for weeks 24/7 going into my XXXX me 6 weeks each time. I just live with these troubles. 
I am not on XXXX because I have XXXX or XXXX, I am XXXX. 
I ca n't imagine how these people sleep at night. But, there should be laws to stop them after 7 years or 10 yrs. 
Please help me I am prepared to show evidence of my condition. 
I always paid my bills before this so I understand, but they should have just written it off. 
Please help me I sold my car years ago to pay off the debts I could I do n't even own a car or drive. 
Please help me stop this, really there should be better laws they know I am on XXXX XXXX is n't there laws to help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: Affirm Holdings, Inc
State: MS
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 XXXX of XXXX and XXXX of XXXX, five different loans were opened in my name using an address of XXXX XXXX XXXX, XXXX, NC XXXX. The five loans where through a company called Affirm Inc. and ranged in cost from {$8.00} to {$3700.00}. That address has never been a residence where I have ever lived. 
In XX/XX/XXXX, I called Affirm and spoke with XXXX about my fraudulent claim but no help. 
I called XXXX and spoke with an automated phone service and that resulted in zero help. 
I disputed the loans online through XXXX and that did not help me either. 
I then sent an Identity Theft claim through the Federal Trade Commission and that resulted in 4 of the loans being taken off my credit report. The loan that remains is the {$8.00} one and it is listed as a charge-off. Also, that address is still listed on my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Our home was owned by my mother XXXX and XXXX we purchase our home in XX/XX/XXXX we refi a couple of times then my mother who had been retired since the purchase was convince to get a Reverse Mortgage and we were told that it would not effect us and that after she passed that I could keep the home no questions. My mother passed XX/XX/XXXX and now Financial Freedom does not to accept that the home was owed by both. When she took out the HECM loan the home was in my name alone I was told then not to worry and it was acceptable with HUD I was also told that I would be placed back on title which the lender not escrow did as I have found out now. Now I 'm being force to sell the home since now I have retired and there is n't enough equity to get a new loan, I requested Financial Freedom the time to go to Hud and plead my case I was turned down and am in foreclosure and may lose my home that we owned. 
A XXXX who I was told would not grant me because we where to late in the 90 day posting, we did what they asked from us they asked to place the home in our name I contacted an attorney and was told it takes some time and cost and before I do this that the lender would allow us the time THEY DID N'T they just closed the door on us I have filed a complaint with HUD and now with you I do n't want to lose our home please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: Experian Information Solutions Inc.
State: SC
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: Investigation took more than 30 days

Complaint:
I have disputed the validity of debt on some accounts, and I 've disputed numerous erroneous names and addresses listed on my credit report, all of which are affecting my credit score. XXXX, XXXX and Experian have failed to remove the erroneous information or provide to me the proper evidence of the disputed accounts validity that they received from the creditor which caused the agencies to update my reports to show that the debts were validated per FCRA. The accounts in question were reported by XXXX XXXX, XXXX XXXX is for {$390.00} with original creditor listed as XXXX . The other one reported by XXXX XXXX, XXXX is for {$4300.00} with original creditor listed as XXXX  XXXX. I never received any form of documentation from the original creditor or XXXX XXXX, XXXX. to provide competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay them. However, for the account with an amount of {$390.00}, I did receive a letter ( over a month after my original dispute was submitted to Credit Bureaus ) with an account summary report from XX/XX/XXXX to XX/XX/XXXX, in my  maiden name of XXXX XXXX, which I have not gone by in almost 20 years, but the summary report is not proper documentation proving the debt is valid and is also not competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay them. This letter and statement are attached. I have never had a signed contract, or any type of contract with XXXX XXXX, XXXX. I have never done business with 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 2021-06-16
Company: EQUIFAX, INC.
State: TX
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:
not mine : FCRA violations : see attachments for proof : see attachments if you guys really know how to read credit youll see all the mistakes only f XXXX wouldnt see what the violations are!!!!!!!! 



XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Foris DAX, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I deposited over {$130000.00} to Crypto.com on XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX where I have been trading cryptocurrencies for over a year. I was told that I would be able to purchase cryptocurrencies instantly but I wouldn't be able to cash them out or transfer them to my other wallet for 3 business days. After XXXX business days when I tried to transfer my cryptocurrencies to a more secure wallet I was told I couldn't because my transaction was still pending. An hour later I connected with them through their in app chat and was told it isn't really 3 business days but 5 business days before I could access my funds. I was given an article from their FAQ section to back up their policy of 5 days. When it was still pending after 5 days I was told, in their in app chat that it was really seven business days ( given an accompanying FAQ article backing it up ) and that my funds would be ready on XX/XX/XXXX. Now today I was told it really isn't 7 business days, it is seven business days from the date of last deposit, but the Customer Service agent said he was escalating my request and I would hear back from them soon. for six hours i checked in once and hour and was told by the customer service representative that he was working hard on my case. After six hours he messaged me that he was still working on my case, and I would hear back from him shortly. Then he signed off and left and I was written to by a new customer service agent who told me he would have to go through my chat history with them and " familiarize '' himself with my case and then he could help me. After an hour he said that he has escalated my case and I would hear back within a few hours again but it would be a few days until I could get my money back. So now it is another day I still can't get my money. They say there is no manager to speak to or any other team to help. They say hopefully, at some undefined point, I will be able to access my money. I am not holding my breath. It is fairly obvious they are having issues and why tell a customer the truth when they can just lie repeatedly. I hope this can be resolved without me needing to file a lawsuit to get my money back, but who knows. Anyone reading this, USE XXXX, XXXX, XXXX, ANYONE but crypto.com.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have been out of college for well over 5 years and despite consistent and high monthly payments, my principal balance continues to increase and increase. When I question customer reps at Navient on how I can better my situation, i.e lower interest, or consolidate, or make correct payments to make a dent in loans, I never receive accurate responses. This then has months go by where my principal just grows and grows despite my successful payment history. I ca n't get answers from them and I just want to get on with making these payments so that I can be successful in paying them off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
In XX/XX/XXXX 2016, my Income Driven Repayment Plan with Navient was up for renewal so I submitted the application on Studentloan.gov. Once Navient received the application they provided me with a new payment of $ XXXX+. I could not afford to increase my payment at that time so I asked to be placed on another plan that would enable me to keep making my $ XXXX monthly payments. They said that was NOT possible but they could put me on a new plan paying {$150.00} ( the graduate repayment plan ). Did n't make any sense to me but I agreed since I was desperate. They said that once my payment date comes around I would only have to pay the {$150.00}. My XX/XX/XXXX bill was sent to me and I owed $ XXXX+ dollars. I was confused because I thought they had made the adjustments agreed upon. I called Navient a second time ; they told me now I needed to do a voluntary forbearance to correct their mistake. Again I was confused and expressed this to them but I agreed because I was desperate and did n't want the late payment to show up on my credit report. I did the Voluntary Forbearance and payed {$5.00} for the month. My XX/XX/XXXX bill rolled around and still the same issue. No change in payment. I was now angry because again they asked me to do another voluntary forbearance to correct their mistake. So now that is 2 months of interest being capitalized and time wasted with me calling them and completing numerous applications. I spoke to XXXX different individuals and kept getting the run around with each one assuring me that they had solved my issue. I have my fingers crossed to see what my XX/XX/XXXX bill will reflect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: The CMI Group, 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: Old information reappears or never goes away

Complaint:
I made payment to CMI who collected on behalf of XXXX for an outstanding debt. 
CMI did report the account was paid in full but refuses to delete the account from my credit report causing me to continue to get adverse credit rating. I am requesting account to be deleted because it is a reoccurring issue each time I apply for credit and the debt is settled. XXXX hired them to collect payment not to punish or cause long term financial hardships for me. 
ref # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-09
Company: U.S. BANCORP
State: MD
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
My husband recently received an end of lease inspection from U.S. Bank for a XXXX XXXX. This was our XXXX vehicle lease but XXXX through U.S. Bank so we have XXXX times prior gone through a lease inspection with no charges imposed for ordinary wear and tear. I am an XXXX. In my opinion, the lease inspection was a joke and this particular institution is improperly using the inspection process as a profit center. Damage that was clearly ordinary wear and tear ( minute scratches on bumpers ) was categorized as excessive. A small dent on a passenger door valued at {$1500.00}. Most ridiculous, a {$200.00} charge for a missing car manual which was actually present ( in the glove compartment ). Apparently blind to the obvious, the inspector never even asked if my husband had the manual. A U.S. Bank customer service representative said we would be charged for the manual, even if returned with the vehicle, unless we took the additional step of ensuring the dealer wrote the bank a letter confirming that the manual was present. This is a ridiculous shifting of the burden of proving damage. 
A quick internet search indicates that there are many complaints that U.S. Bank is " inventing '' damage and collecting excessive fees for ordinary wear and tear. A complaint letter I drafted to XXXX XXXX, General Counsel at U.S. Bank, went unanswered.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: Nelnet, Inc.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I am filing a complaint and request for investigation of the student loan service I was given. I was given falsified information which has led to the student loan service requiring repayment with added interest. 
They provided bad information, illegally cheated me out of my rights of loan forgiveness, and deceived me about my rights. I was in my final 6 months of loan forgiveness due to XXXX when I received information saying my loan balance was XXXX. 

I contacted the ombudsman who told me my loan was showing XXXX balance and the income monitoring period was complete. When I asked for this in writing they said their system would not be updated for 6 weeks. I proceeded to attend 2 days of paid XXXX and 3 days of XXXX. Then after the six weeks I was told no. my monitoring period had not ended, they 'meant ', but did not say, that my loan showed XXXX as a temporary condition. I was deceived, lied to, manipulated so that now they are saying I must repay the entire {$50000.00} loan because my income exceeded the poverty level by those 5 days of work. You would be able to verify the falsified information from the loan service through phone recordings to my cell or home phone XX/XX/2015 to XX/XX/2015. 

Before the call from the ombudsman and Nelnet between XX/XX/XXXX and XX/XX/XXXX, I spoke with XXXX on XX/XX/2015. She made certain that my loan monitoring would not include any paycheck dated past XX/XX/2015. Now however, they are requiring the paycheck Dated XX/XX/XXXX. 

In each of these conversations I was given incorrect information which made it impossible for me to follow any guidelines for the discharge program. I am an educated, responsible, law-abiding student. I asked for guidance to meet all requirements foor my XXXX discharge, yet was intentionally given false information that resulted in extra interest accrueing, reduced credit score and a huge debt that was scheduled to be forgiven. 

The servicer should be held accountable. They should forgive the loan and make restitution for the countless hours I have battled on the telephone, sending emails and experiencing XXXX. 

Thank you for investigating this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: Weinberg Mediation Group LLC
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been contacted repeatedly by a collections agency trying to reach my ex-husband. I have told these people, politely and truthfully, that I am no longer married to my ex-husband and have not been for over twenty years, that he does not and never has resided at my current address, that he has never had my current phone number, and that I do not know his current address. I have asked them to stop calling. I keep getting calls, each time with a different XXXX or XXXX return number. I would like for them to stop. In the last call, the collector identified the XXXX. The numbers they have used are XXXX,XXXX, and XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
At an old job, I was signed up for an HSA account with HSA Bank out of XXXX, WI. After leaving that job, I spend the HSA down and then attempted to close the account in XX/XX/2016. I contacted them and exchanged closing documents in XX/XX/2016. In XX/XX/2016, they charged me a fee for no remaining balance. I contacted them and told them I 'd closed the account. They apologized and said it had n't been closed due to a fake oversight, and said they would close it. XX/XX/2016, I get another statement. I call them and they claim they will " expedite '' the closure. 

At this point, it feels like HSA Bank is refusing to close my account even though I have sent in all the paperwork so that they can continue to assess fees forever and it is impacting my credit. They are not a legitimate enterprise with these practices, and neither you nor your company should bank with them.

Company response to consumer: Closed with monetary relief