BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-01
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I notified Wells Fargo of unauthorized charges in the amount of {$330.00} They told me that my card was used! I ask for proof from Wells Fargo that my card was used on XX/XX/2023 and still have not received any proof of my card being used! Because I still have my card in my possession! These charges were in another state I was nowhere near that area! Ive never given anyone my card pin! Im on a fixed income I need this money! I didnt do these charges!

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: JPMORGAN CHASE & CO.
State: TX
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:
This complaint is regarding the charge on XX/XX/18 from XXXX XXXX XXXX XXXX for {$330.00}. I disputed a portion of this charge as my reservation was for a total of {$160.00} as I booked under a qualified rate which was verified upon check in by two XXXX XXXX employees. I authorized the charges for {$160.00}. However, after my departure the hotel chose to charge me based off a different rate. After speaking with the merchant they decided to change my rate after my stay requesting I allow the hotel to make a copy of my government ID which is a federal crime. The hotel made no mention of this rate change until after I had already left the hotel which is a violation of the Visa Interchange agreement, invalidating this charge. 

Chase however only seemed to reply to my dispute with a letter requesting more information. Information which had already been provided. I'm attaching all original documents provided. Chase failed to resolve this dispute in accordance with the visa dispute and interchange agreements. I've also requested that all related documents in Chase 's investigation of this charge be sent to me for review on 2018-XXXX in writing. My previous requests while speaking with Chase dispute resolution analysts were all denied by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Experian Information Solutions 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2018-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I obtained a new car loan from Bank of America ( BOA ) with terms of ACH bimonthly payments of {$500.00} for the term of the loan. In XX/XX/XXXX, I requested the payoff balance for the loan and duly liquidated the loan for the amount required. 

In XXXX I observed that an ACH payment had been made on the closed loan and requested reimbursement from BOA. BOA reimbursed me with their check # XXXX dated XX/XX/XXXX. I attempted to terminate the scheduled loan payments from my bank and subsequently found I failed in that endeavor. 

A second ACH payment was made on the closed loan and I requested reimbursement from BOA. BOA reimbursed me with their check # XXXX dated XX/XX/XXXX. I contacted my bank who assured me that ACH payments to BOA were terminated but one last payment gad been debited from my account. 

On or about XX/XX/XXXX I contacted BOA and was informed the reimbursement would be made in the coming days. After approximately on e week, I contacted BOA and informed them of the reimbursement non-receipt. BOA informed me that a mistake had been made and the reimbursement had not been dispatched but would be dispatched XX/XX/XXXX arriving in one week. 

BOA has failed in its duty to make timely return of my over payment, a fault wholly of its own making.

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 2023-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I dont know how to go about it so many people are hacking my name emails XXXX and XXXX and using my social security number and opening accounts and everything else please I need help they dont help me at all I want a freeze and I want everything cut off or somthing I had good credit last I remember it was in the 700+ when I took my XXXX XXXX back

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-06-16
Company: Experian Information Solutions Inc.
State: SC
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:
There's a self-credit card on my report that's showing as open when it's been closed since XX/XX/2023. 

I've disputed this time after time and it still remains. I've attached proof that it's reporting as open and I've attached proof that the account is closed. 

I have the right to an accurate credit 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 2023-06-21
Company: EQUIFAX, INC.
State: CA
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: FL
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:
THE FOLLOWING INQUIRES WERE NOT AUTHORIZED BY ME AND HAVE NO RELATION TO ANY ACCOUNTS. HERE IS THE LIST OF INQUIRIES : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XX/XX/2022 -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XX/XX/2022 -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XX/XX/2022 XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-12-30
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On or about XXXX, XXXX XXXX sold my 2nd mortgage/line of credit to Rushmore Loan Services . Since then, I have had nothing but problems with the company. Below is a synopsis of my complaint : 1. When I obtained the original line of credit ( LOC ) from XXXX XXXX, my property TAXES were EXCLUDED from the contract. I was responsible for paying them directly, which I was. I had made arrangements with my County Tax Department and was making payments directly to them.

2. Just before COVID hit in XXXX, Rushmore changed the terms of the LOC and without warning, took over paying my taxes. As a result, my payment went from approx. {$300.00} per month to {$1000.00} per month. 

XXXX. EVERY attempt to get Rushmore to consider a loan modification did not end in my favor. They refused my last request at modification in XXXX of XXXX. 

4. When I attempted to again work out a payment plan, ( I called in XX/XX/XXXX ) I was told I didn't make enough money and that I needed to sell my house or they would begin foreclosure proceedings. 

5. I asked if I could make payments toward the back amount due ( {$8000.00} ) in addition to attempting to make my regular payment of {$1000.00}, they REFUSED stating they could not accept payments of ANY KIND until the back balance of {$8000.00} ) was paid in full. 

According to the FBI website, " Predatory loans manipulate borrowers into accepting payment terms that are exploitative. They're used by unscrupulous lenders to extract more money through high interest rates or fees theymy original loan obtained my XXXX XXXX. As a result, I am asking that my property taxes be turned back to me so I can pay them as I was. This would then allow me to make lower monthly payments to Rushmore so that the loan could be paid off more quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The bank is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof 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 2023-03-29
Company: EQUIFAX, INC.
State: FL
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: EQUIFAX, INC.
State: CA
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:
XX/XX/XXXX Equifax Credit Agency claims that : 1 ) XXXX  XXXX XXXX XXXX  ( charge off ) Balance {$9300.00} is accurate after my dispute 2 ) XXXX XXXX XXXX XXXX  ( charge off ) Balance {$40000.00} is accurate after my dispute 3 ) XXXX XXXX XXXX  XXXX ( charge off ) Balance {$7000.00} is accurate after my dispute. 

I disputed said items multiple times in XXXX and XXXX and yet items still remain on my file even though they are inaccurate. 

Please help me resolve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: FL
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:
The credit bureaus stated my account was properly investigated but how is that possible when the open date is inaccurate, the last date is not accurate, the payment history is empty and inaccurate and no validation of any accounts requested have been mailed to me. 

I am saddened that my rights were violated as a consumer over and over again under : 15.U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2. Also states a consumer agency can not furnish an account without my written instructions. 

I have been suffering for decades due to " bad '' credit history. I have been profiled, label and denied funding due to what is reported on my credit report. Life has been hard. It is heartbreak to find out, that this is not of my doing but the lack of accurate research on the part of the credit report before furnishing anything under my name. Attached you will see that no accounts have any accurate information which is mind-blowing. I am reaching out as a frustrated and fed-up consumer determined to get answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have XXXX accounts with Midland Funding. I have  requested debt verification more than one time and this company has not provided me that information. It has been more than 80 days and no information has been provided to me from this company. I 'm requesting that since this company has failed to provide me with information, that this account be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: CA
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 am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX  XXXX XXXX XXXX and 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 explanation
Consumer complaint received 2023-05-31
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: Personal information incorrect

Complaint:
1. The following personal information is incorrect
    
        Previous Address(es): XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

2. The following personal information is incorrect
    
        Previous Address(es): XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

3. The following personal information is incorrect
    
        Previous Address(es): XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
4. The following personal information is incorrect
    
        Employers: NOT PROVIDED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Commonwealth Financial Systems, Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Early on XXXX XXXX I received a text from Coinbase that my password had been changed, so I changed it agan to enter my account.

I tried contacting customer service and of course its automated and I couldnt make any headway with Coinbase. I was given a sort of reference number for my complaint and was told I would be contacted. I went to my bank account and I come to find out whoever hacked into my Coinbase account was trying to empty my personal bank account. I immediately called my bank and froze the accounts.

I was able to stop the theft at my personal account, but as far as my Coinbase account Ive had no progress. I had invested amount of {$10000.00} and had a value of about {$18000.00} at the time of the theft. Ive been reading about other Coinbase customers with the exact same problem. Many of those victims recommended I come here and also the FBI to file a complaint. Im in the process of hiring a lawyer. I would like some advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Violation of my rights. 
XXXX XXXX XXXX XXXX : # XXXX XXXX  XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 explanation
Consumer complaint received 2023-05-31
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: Personal information incorrect

Complaint:
Someone got a car loan for a XXXX XXXX XXXX through XXXX XXXX under my name, The address that person used is not my address XXXX XXXX XXXX, XXXX Tx XXXX. 

My address is : XXXX XXXX pl XXXX, Tx XXXX Account : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: U.S. BANCORP
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
Someone hacked my account and was able to clone my debit card. My pin number was also compromised. In doing so, the hacker was able to go to an ATM and pull out {$220.00} and {$80.00} on XX/XX/XXXX & XX/XX/XXXX. They also were able to withdrawal {$320.00} & {$80.00} on XX/XX/XXXX & XX/XX/XXXX. I reported it on XXXX I believe. The bank mailed me paperwork to turn in so that I would get my money back. However the banks fraud team denied me my money. I was under the impression that the victim has zero liability if the victim reports the claims immediately. 

P.s. 
I bank with US Bank.

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 2023-05-31
Company: EQUIFAX, INC.
State: FL
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:
XXXX  XXXXXXXX XXXX XXXX XXXXXXXX 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.

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 response to consumer: Closed with explanation