BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation. I have the letter from the court saying that they are not reporting these kind of things and how come you have reported this on my credit report. Never did I filed for a bankruptcy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: WELLS FARGO & COMPANY
State: GA
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:
To whom it may concern : I writing out of consumer and investor concern in regards to Wells Fargo Advisors and Wells Fargo Bank in XXXX, GA. I was employed with Wells Fargo Advisors in XXXX from XXXX of XXXX until XXXX of XXXX. I have 27 years in the financial planning business. Wells Fargo Advisors and Wells Fargo Bank is intentionally not updating/changing the agent of record on all annuities when a financial advisor resigns or leaves their firm. Is this localized or is this nationalized? Each region operates independently. Some of these annuity statements still have my name on them as broker of record. How is this possible? They are using my name without my consent as well as jeopardizing my integrity. Is this a risk to me to be associated with Wells Fargo in this manner? I have old ( that did not transfer to my new firm ) clients asking why do I still have access to their annuity when I am no longer employed with Wells Fargo. This puts me in an awkward position. Wells Fargo Advisors is putting my integrity at jeopardy candidly. As stated, I have 27 years in this business and take great pride in doing business the transparent and compliant way. I have been separated from service for 18 months and still the agent of record on these annuities. This means I can still call the annuity carrier and obtain contract information WITHOUT the clients consent. Is this in the best interest of the client and consumer? 

How does this fit REG BI ( FINRA Best Interest Rule ) and in the best interest of the client?

One interesting detail is most of these annuities are under the {$250000.00} account threshold minimum. Wells Fargo Advisors pays no commissions on annuities/households under {$250000.00}. So at the expense of the consumer, they are placing all annuities into a house account and retaining the revenue while jeopardizing confidentiality of the client. Please address this unethical behavior. 

Below is a link to the Wells Fargo Advisors recent article relating to small household payouts. Please read. 

Per the client 's request, there is a copy is a client statement that they sent to me out of concern. Please see attachment as as well. 

My concern is this similar to HIPPA by breaching client confidentiality? 

XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: EQUIFAX, INC.
State: LA
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 am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: EGL US, LLC
State: DE
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2021 I was told that I would receive a paid in full letter and that debt would be settled. 

The full amount is still displayed on my credit. 

And XXXX denied dispute stating creditor claims debt as current and accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these Items ( A ). It is not permissible to fail to validate these reporting Items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-07-16
Company: MoneyLion Inc.
State: VT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On approximately XX/XX/19 I opened up a checking account at MoneyLion under their " Pave the Wage '' promotion. The terms of this promotion are here : https : //get.moneylion.com/pavethewageterms/ After I opened the account, I " opted in '' to the promotion on their app by moving the button to the right on the pop up screen that asked if I wanted to " opt in ''. ( I actually opted in to the promotion on the app 3 times!. In retrospect I believe that their app was not functioning and did not record me as opting in ). 


I complied with all the rules of the promotion by sending my payroll direct deposit to MoneyLion for over 90 days. 


Since I, in good faith, complied with all of the terms of the promotion, I was expecting a bonus in the amount of {$270.00} ( 17 % of my initial qualifying direct deposit of {$1500.00} ). 


In short, I complied with all of the terms and opted in appropriately. I should not be excluded because MoneyLion 's software was not functioning properly. 


I called MoneyLion on XX/XX/19 and they are representing to me that I did not " opt-in '' to this promotion and I'm not on the " list '' to receive the bonus. 


I complied with all of the terms of this promotion and, in good faith, opted in ( several times! )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: CITIBANK, N.A.
State: NY
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:
Billing Dispute XXXX Citicards, XXXX XXXX XXXX XXXX XX/XX/2021 I filed a dispute for a charge of {$200.00} that XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 that I did not authorize. The merchant refused to reschedule my appointment and unilaterally charged me {$200.00} in a day when New York XXXX authorities had banned all transportation due to a declared state of emergency provoked by a violent tropical storm. On XX/XX/XXXX I received a letter from the Dispute Center at Citicards asking me to submit additional information and to sign a legal document stating that I did not authorize the charge. I did so in an email containing additional information and also attached the form with my signature, sent on XX/XX/XXXX. I am attaching that email too. They acknowledged receipt of my email and the signed form on XX/XX/XXXX. 
On XX/XX/XXXX I received another email from the Dispute Center stating that they submitted the information to the merchant and would get back to me within XXXX business days. That was the last time I heard from them. 
Since then, I have called to the Citicards Dispute Center several times. I only received vague responses about the investigation process. The merchant supposedly had until XX/XX/XXXX to respond. I was eventually told that the merchant never responded to the additional information I provided. I called XXXX times in the last XXXX weeks and the staff at the Dispute Center never offered an answer so as to why they have not resolved the dispute yet and could not even confirm if they had processed my email from XX/XX/XXXX and the signed form I sent. Needless to say, the time limits and deadlines to resolve the dispute have long passed. Please let me know if you can help me to get my credit card to respect my rights as a consumer and finally resolve this dispute.

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 2021-03-08
Company: Coinbase, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/21 my coin base account was hacked for a second time. I tried all the measure needed by contacting coin base, resetting my account password and and waiting for a email. I try to reach out to coin base several times since this incident happen. I received a email stating that someone would reposed to me in 4 to 5 days ( twice ) and I have not received any email of any support team. The last email I received from them stated that this account was closed but no one had even contacted me to get this issue resolved completely. This has been going on for 32days an I am ready to discontinue my services with coin base but no one has even sent me a email or confirmation to get back into my account to do so. I do have shares on coin base worth 300 if not more at this time. This has been extremely frustrating and I would like to get this over with and use a reliable company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I put a down payment on my Chase Visa at the end of XXXX for a garage we are having built. It did not appear on my statement until XXXX when we were going to pay that full amount. The XXXX statement had a {$82.00} charge referred to as a purchase charge. In my communication with Chase Visa they state since the charge came to them n XX/XX/XXXX they can do that. It said nowhere on the statement that this had to be payed by a certain date to avoid any charge. They since I had a balance of {$120.00} they can charge me interest on the amount of {$8600.00} even thought it was not on the XXXX bill when we payed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: EQUIFAX, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXXE XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11
Company: Specialized Loan Servicing Holdings LLC
State: PA
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 a Home Equity Line of Credit managed by Specialized Loan Services. In XXXX, I noticed my monthly payment scheduled for XX/XX/XXXX was not automatically withdrawn. I have a 15 days grace period and my payment was due on XX/XX/XXXX. On XX/XX/XXXX, I called Specialized Loan Services. I talked to a representative who took my payment online. Unfortunately, I later learned that this representative incorrectly applied my payment to the principal instead of taking it for my monthly payment which made my account delinquent. In XXXX, I called Specialized Loan Services and was told the mistake was on their end and they would fix it and let the credit reports now that my account was not late. In XXXX, this was still not done and I was told the same thing again. I called today and apparently this is still not fixed. My account on XXXX still shows a late payment of 30 days. This is impacting my XXXX XXXX and the company has taken more than 60 days since I first notified them of the issue. Every representative I talked to has always told me XXXX was at fault and that would be fixed but nothing happens.

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 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter to the XXXX XXXX XXXX via certified XXXX tracking numbers XXXX, XXXX which was received on XX/XX/2022 at each location. When I called the agency I was told no letter has been received. I know the XXXX XXXX XXXX is accurate which leads me to believe the credit reporting agencies are failing to comply with my request. I have inaccurate information reporting on my report that is illegal per the IRS. I would hate for the company to find themselves in more legal issues for allowing this to be reporting when it is a violation of the fair credit reporting act. 
I have inaccurate accounts still being reported on my consumer report that this company has failed to delete as it is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. Remove this information from my consumer reports immediately. Account # XXXX Account # XXXX Account # 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 2023-02-01
Company: Experian Information Solutions Inc.
State: PA
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:
-- THIS COMPLAINT IS DONE BY THE CONSUMER AND NOT A THIRD PARTY -- 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT -- ( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

-- ( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.

-- ( a ) In general. -- Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : -- ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

-- 15 U.S CODE 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies- ( A ) reporting information with actual knowledge of errors. 
-- A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

-- They do not have my permission to report on my consumer credit report. 

-- I Demand it to be removed and every violation of unauthorized information on my report is a {$1000.00} fine ( U.S.C 1681n- Civil liability for willful noncompliance ) -- letters have been sent certified mail and return receipts have been received by me.

( 15 U.S CODE 1681s-2 ) And it is a violation to report something that you have knowledge of being disputed and may be inaccurate. 

-- The following unauthorized inquiry is fraudulent and inaccurate information and my permission has not been given orally, in writing, or electronically to report this inquiry on my consumer report and the consumer reporting agency knows or has reasonable cause to believe that the information is inaccurate, and I demand it to be removed : -- ( XXXX. XXXX XXXX XXXX XX/XX/2022

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 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 reasonable cause 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 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
On XXXX XXXX I was in the middle of checking my credit report when different inquiries started to pop up that i do not recognize from organizations that Ive never contracted with or encountered with.

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 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XXXXXXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXXr # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U, S, C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2021-05-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello, I was charged the late fee and the interest in XXXX by Bank of America, I tried to call them to waive that for my first-time violation, but they refused. I feel very sorry and innocent for that, because I had a very good record before. 

I think that The Bank of America also had responsibility for that because I used to receive the bank statement in the mail before, so I could read and remind myself to return, but I haven't received that mails for some times, I am not sure if BOA switched from a paper statement to electronic statement in order to save the cost. 

Normally, the bank will give people at least one chance to recovery, this is my first time of late, I don't know why they refuse to waive the charge. 

Please help me to communicate with the bank to compensate for the loss. 

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 monetary relief
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: NC
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 to the Fair Credit Reporting Act XXXX  account XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, paragon rev acct # XXXX, XXXX XXXX acct # 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 also states a consumer reporting agency can not furnish an account without my written instruction.

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