BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-20
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit reports generated by XXXX, Experian and XXXX on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX XXXX XXXX. No : XXXX clearly suggest conflicting information of XXXX. Last activity, 2. Balance, 3. Date opened. 4. Last payment date and 5. Closing date which is inaccurate. Therefore, this item must be deleted as per section 168 FCRA. Discrepancies among credit bureaus are listed below. 
Name XXXX Experian XXXX Last activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance $ XXXX $ XXXX $ XXXX Date Opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closing Date XXXX - - Credit reports of the three bureaus are enclosed.

My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 refinanced my home and my broker advised that I should be not paying XX/XX/XXXX mortgage payment because it will be closed before the end of the month .They did not want me to wait another 30-60 days to get a refund since all documents were processing. XXXX XXXX was fully paid on XXXX XXXX. They were paid in the month of XXXX. They reported me as late in mortgage payment for that month. That is unfair and incorrect. They are paid in the Month of XXXX. I should be late if I paid them in XX/XX/XXXX. I called them and they were rude. They were not happy that I left them and I felt discriminated as well. The gentleman on the phone would not help and remove Late Mortgage Payment. He dismissed me quite fast. 
I talked to my broker and they verify that I was not late .All the documents show that they are fully paid in XX/XX/XXXX. As a senior citizen I made all my mortgage payments on time and prompt. My credit is hurt because of them not helping to remove this incorrect issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I entered into a forbearance and trial plan agreement and refiled another modification application. XXXX. I spent {$15000.00}. My civil rights were violated under file No. XXXX. I litigated in state court but they won't comply with the Consent Order.

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 2018-10-17
Company: CURO Intermediate Holdings
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
Speedy Cash is taking money out of my account and I never applied for this loan. If you do not how my photo ID or my signature online. Im requesting document and I will file civil suit against you for fraud. I will seek damages ..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo has been doing me wrong for years ATM fees overdraft fees etc and also I'm XXXX and I have direct deposit but they wait till the end of the month to take their fee out right after I'm about broke they do a lot of shady stuff I'm not sure what all they have done to me it's been so much mostly ATM fees and overdraft fees that it was unruly unnecessary

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 2023-01-20
Company: FORD MOTOR CREDIT CO.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Unexpected or other fees

Complaint:
TRUTH TO FACTS OF PAST TRANSACTION WITH FORD CREDIT A United States Principal Party in Interest, Citizen, signature, subscribed on a promissory note, is a valuable consideration collateral security, that is relatively liquid, in amount equal to the sum of Federal reserve notes, under the provisions of section thirteen of the Federal Reserve Act, but United States Principal Party in Interest, Citizens, are made to believe the promissory note, that is prepared by an agent or beneficiary seller bank, represents principally a investment or bailment to their lender or holder in due course, rather than a medium of exchange, that is acceptable for goods and services. 
Whereas, what beneficiary seller banks do, when they make a loan, is to take a promissory note, in exchange for credits, to the USPPI citizen transaction account or create a special purpose vehicle account, than calls a United States Principal Party in Interest Citizen, a borrower of their own collateral security. 
Therefore, what the beneficiary seller banks are doing is very different from what it presents it's doing, to the public common trust, while acting as a lender, that makes a trade of putting a collateral security note to interest. 
This is legalized fraud, under the Color of State Law, which is the adopted Uniform Commercial Code, that allows a third party to procure a original collateral security note, without recording it in the county, and converts it into a negotiable instrument that benefits an agent or beneficiary seller bank.

Whereas, the Several States, are impairing the obligations of contracts, promissory agreement notes, through licensees, that are using the adopted UCC, or Negotiable Instrument Law of private organizations, instead of acts enacted by Congress, under the Constitution for the United States of America. 
Therefore, " We the People, '' that appear in person or a beneficiary seller bank, ought to use the good sense from the Spirit within, in lieu common sense, and bring Treason Charges against the Heads of the Several States for placing " We the People '' in a State of Peonage under 18 U.S. Code 1581.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hello the XXXX XXXX XXXX  account listed on my XXXX credit report was charged off in XXXX and was recently settled and paid. It is now reporting in the payment history listed on XXXX as charged off in XX/XX/XXXX when in fact it was settled and paid in XX/XX/XXXX. Transunion shows no payment history for this account and the status as paid and XXXX has it showing as account status charged off. I have the right to accurate complete 100 percent verifiable information on my credit report per FCRA. This account is also a negative account that is more than 7 years old and outdated information appearing on my report is a violation of FCRA. Please see attached copies of my XXXX XXXX and transunion reports regarding this account. Thank you.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had went in to the Wells Fargo Bank in had put a check in my account and 2 days later the bank takes the check in say we sorry the check was not real. Did not give me the check back or anything. {$4000.00} Dollars from a business.

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 2022-03-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2022 I received an email from Wells Fargo stating that the application that I had put in for an account was approved and what the next steps would be. I never signed up for a Wells Fargo account recently so I knew something was wrong. When I opened the application that was in the documents, someone had filled out the entire thing using my information ( Social, DOB, and a old address and phone number for me ). I've never felt so vulnerable. 

I contacted Wells Fargo this morning and have filed an Identity Theft 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 2021-06-29
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I signed up for a CITI credit card in XXXX and still have the card active now in XXXX. At the beginning of the year I was given a spending summary that showed my spending habits, where I noticed an " other '' option, with a substantial amount of charges all towards the same thing " payment safeguard ''. I had seen this on my bill in the past, but always assumed it was a standard credit card fee. 

After doing some research, I found out this is an optional fee, and that CITI had lost a lawsuit against them in XXXX for misleading customers and signing people up for this " service '' without them knowing. I called CITI and was directed to talk to payment safeguard. The woman I spoke with was very nice, I explained the situation, she said she would cancel it for me and even mentioned reimbursement for the fees I had unknowingly acquired over the years. She said I would hear back from CITI. Weeks passed, and I heard nothing, I called again, was told to wait a few days. Weeks passed, and I heard nothing. I called again, talked online, was transferred here and there, at one point was told there was a pending refund on my account and to wait ... ..essentially I was given the runaround. 

My initial call took place in XX/XX/XXXX. In XXXX, I received a letter stating that my account had been open for too long so I would not be receiving any reimbursement. Once again I called CITI, got the runaround, was told it was Payment Safeguard I needed to speak with, that it was being investigated, etc. etc. I opened a case with the XXXX. Today, I received a call from a " citi executive '' stating they would be declining my request. I asked if she could confirm I ever signed up for the service, she could not. I asked how it was acceptable to charge people for something they did not sign up for, and she essentially told me that was my responsibility to dispute it. 

I mentioned that is what I was/am doing, seeing how I never signed up for the service and just recently found out that it was not a standard fee. She said she understood my frustration but would not be issuing any reimbursement. I mentioned the lawsuit and how it was terrible business practice to mislead loyal customers, customers who have used their services for over 16 years, she said she is sorry I feel that way and quickly got off the phone.

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 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-01-20
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened a checking and savings with Chime after I saw they were advertising they offer Free OD Protection called XXXX XXXX. Then later they declined two transactions at different times that were well under the {$20.00} they supposedly allow you for OD fees!! I called and shut both accounts down today due to their false advertisements. I wont do business with liars and deceivers! And the banks wonder why no one uses them!!! After I requested the accounts be closed and both have 0 balances and there are no outstanding payments XXXX the chat rep took forever to do what I asked intentionally dragging all out then sending the attached texts. Then Im the end said they would be closed in XXXX days!! Then sent this email making it look as if THEY had reviewed and closed my account to try to make me look bad and avoid accountability for their false advertisement and lousy service and products!! I want the accounts closed NOW and I want you, the FTC and IL Attorney General to go after them and fine and shut them down g go or false advertisement and not closing my accounts timely!! I used to be a Personal Banker and know what the process if closing an account involves, it is the click of a button, they are just trying to hang onto the accounts!! I am SICK of the crooks in this country as ALL are getting away with their deceit and taking advantage of all of us!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 reviewed a copy of my credit report and I show company XXXX XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

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 2023-10-16
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2022-03-21
Company: NAVY FEDERAL CREDIT UNION
State: AL
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:
As defined by the IRS. Even if you didnt receive a Form XXXX, you must report canceled debt as gross income on your tax return. The IRS clearly defines a charge off as Gross income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which in fact makes the reporting of this account inaccurate. Ive attached the full IRS publication for review *page 3* is the page that needs to reviewed*, as well as the letter that was submitted to Navy Federal Credit Union with these same details.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: EQUIFAX, INC.
State: VA
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: Problem getting your free annual credit report

Complaint:
I submitted a complaint on XX/XX/2018 ( Reference : XXXX ). They said that emailed me a Credit Score, but I never got it. And still companies can not retrieve my credit score from Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection notice about an apartment debt owed for {$3400.00} in XX/XX/2022. When I contacted Rent Recovery XX/XX/2022, they were unable to locate me in the system using my SSN, phone number, address, or id number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are not my inquires or accounts listed on FTC report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Reporting - XXXX XXXX and XXXX XXXX Capital One application reference XXXX XXXX XXXX XXXX, I have recently moved to XXXX XXXX XXXX, XXXX, XXXX, XXXX I am receiving mails related to a loan/credit application with several banks/companies applied by XXXX XXXX and XXXX XXXX XXXX my address XXXX XXXX XXXX, XXXX, XXXX, XXXX. 
Previous house owner also didnt know a person named XXXX XXXX and and XXXX XXXX. I am worried that this might be a financial fraud, can you please check at your end and tell me what actions need to be taken from my end. 

I prefer email communication as I can't remember each and every complaint Im making for this. 
Thanks, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I created an account with Coinbase. They have a recurring purchase feature. I intended to purchase on the XXXX and XXXX as described on the sales page. What was not disclosed is that when you set up a recurring purchase you will also initiate an additional purchase on the same day. That is not what a recurring purchase is. In fact it is a one time purchase plus additional recurring purchases. I sent several email to coinbase asking them to retun the money from the additional purchase and the did not respond directly. 

On XX/XX/XXXX Coinbase confirmed their practice : ***************************** From : Coinbase Support XXXX Date : Friday, XX/XX/2021 at XXXX XXXX To : " XXXX '' XXXX Subject : [ Reply ] Case # XXXX - Recurring purchase Hello XXXX, Thanks for contacting Coinbase. 

Be advised that when you set up a recurring purchase, a one-time buy for the recurring purchase amount will execute immediately. If you set up a recurring purchase for {$50.00} worth of ETH each month, you will also execute a one-time buy of {$50.00} ETH at that moment .... 
***************************** The one-time buy is not mentioned anywhere, the sales functionality is misleading. 

Coinbase has closed several cases with me without giving me direct answers. 

XXXX # : # XXXX, # XXXX, # XXXX, # XXXX

Company response to consumer: Closed with monetary relief