BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-27
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged debt ( collection ) from XXXX XXXX XXXX that had been deleted from XXXX because they realized that the information is inaccurate, but it is still reporting on Experian and XXXX. I sent a debt validation letter to the creditor requesting validation of the alleged debt through demanding a request for accounting, in accordance with the Uniform Commercial Code, UCC Article 9-210. They failed to provide me this, because they didnt provide me adequate validation since they didnt provide me with a record AUTHENTICATED as the law says ; so this reported information is not only invalidated but inaccurate and a clear violation of the Fair Credit Reporting Act ( FCRA ). 

Experian and XXXX is participating in fraud with XXXX XXXX XXXX and violating the Fair Credit Reporting Act by willingly still reporting this invalidated and inaccurate information that still has not been deleted from my consumer report and I am willing to take legal action against both parties should this information continue to stay on my 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 non-monetary relief
Consumer complaint received 2023-10-23
Company: Byrider Franchising, LLC
State: IN
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:
all XXXX credit Bureaus have CNAC on my credit reports CNAC is also ByRyder that sells cars automobiles to people they did NOT repo my vehicle... .I called them after paying 2 and a half years on it the car which was a XXXX XXXX I asked them to come get it cuz they wouldnt make the car right and it had serious issues ever since the day we bought it and they tried making us pay for it all plus the payments a month on top of that CNAC agreed on the phone if I returned the XXXX vehicle and I did WILLING... NOT a repo///they agreed it would NOT be put on any of my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: TN
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:
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. 
I told the Experian, XXXX, and to reinvestigate these account : Account name : XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and the status date still stating 2019 which means there was not a investigation done they have fail to do proper investigation and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.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 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my 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 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2023-03-02
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On Friday XX/XX/XXXX I received an emailing requesting my freelance services from a legitimate email to which I agreed. We discussed payment options over email and phone messages, to which the sender requested I received a larger check amount and to send a part of the money to another account. I did so that day accounting to XXXX through a XXXX transfer. 

On Monday XX/XX/XXXX the sender requested another service and proceeded to send me a mobile check of the payment plus additional money to wire to another account. I wired over XXXX  and XXXX  to the same account. On Tuesday XX/XX/XXXX I received notice that all three checks were unpaid and deducted from my account. 

I lost the total amount of those XXXX payments as a result, and would like to try my best to get the money back, as I did not use that money in any way. My banking services did not offer me any possible steps to pursue this action.

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 2022-10-12
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX AV XXXX, CA XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX CALIFORNIA XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX CHECKING OR ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

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 2023-01-23
Company: EQUIFAX, INC.
State: VA
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 consumer report was improperly used without my consent ; I did not give consent for the negative items to report to credit reporting agencies, nor did I receive disclosures with the opportunity to opt out of having my nonpersonal information shared.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I arrived into Ga XX/XX/XXXX anxious to start a new life. I was working at XXXX XXXX XXXX XXXX. In which I opened an account at Bank of America. In XX/XX/XXXX I went online to seek opportunities for part time work. I saw some apps for XXXX XXXX. I applied for one thinking that it was legit. It sounded like something that would fit my current work schedule. After submitting my application I received an email stating that I would receive further instructions in mail. A couple of days later I received a check which looked vety authentic and step by step instructions telling me to deposit check, take money out and go to XXXX, purchase a item etc. I anxiously, not stopping to think it could be a scam, went and deposited the check into my account. When I got back home I reread the instructions over and over again finally realizing it was a scam. I immediately called BOA explaining the situation asking if the check could be rejected. The person informed me to call first thing the next morning. The next morning I checked my account and it had been locked. I called and the person explained that my account had been closed and I could never open an account with BOA. I had no idea that my name had been submitted to a list for fraudulous activity. If you check my background you will find no history of closed accounts, outstanding checks etc. Also check my activity with XXXX XXXX and XXXX XXXX XXXX. 
I recently opened an account with XXXX XXXX only to have it rejected due to the previous incident. Please ma'am or sir I was a victim of scam activity. I work hard every day and would never intentionally pass a counterfeit check. I need help in getting this matter cleared up. I WAS AN INNOCENT VICTIM. 

THANK YOU 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 2022-10-12
Company: Paypal Holdings, Inc
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I received the 2 small deposits and withdrawals from my bank account. When I tried to verify my account it says that my bank is not in network. If thats the casewhy were you able to deposit and withdraw from my bank that is not in your network??? I am not opening another bank account for this nonsense. I will find another card if this isnt fixed!! Kind of seems like fraud to me. If this problem cant be fixed on YOUR end ( no I am not jumping through hoops with my bank ) please cancel the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: NC
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2012 ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/2012 ; XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00}.

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 2021-01-07
Company: Coinbase, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Good afternoon, I created my Coinbase account back in XXXX and deposited about {$5000.00} dollars in it and used it to purchase Bitcoin. When I tried to get back into my account early XXXX I was unable to and made to change my pass code. When I logged back into my account the {$5000.00} of bitcoin that would now be evaluated at > {$20000.00} was gone. This leads me to believe Coinbase locked me out of my old account and created me a new one with {$0.00} dollars in it. I have emailed Coinbase multiple times and contacted their customer service people who are completely unresponsive. Unfortunately many people who I have spoken to about this have ran into similar issues and told me the only way to resolve these types of issues it to go through these types of channels as Coinbase will ignore issues like this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-09
Company: Experian Information Solutions Inc.
State: IN
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:
XXXX XXXX has my student loans showing $ XXXX higher on their experian side. Experian site is correct. XXXX is correct. XXXX XXXX  is far from being correct! They refuse to fix!! Ive been going through this for months! They keep blaming Experian. I have screenshots of all the chats where they refuse to help & blame a non existent creditor- that shutdown a decade ago and they blamed Experian bug time! If I was the head in Experian I would dissolve that partnership quickly!

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 2022-04-07
Company: Experian Information Solutions Inc.
State: FL
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 contacted Experian on XX/XX/XXXX to verify the XXXX XXXX Nebraska account listed on my account. I was sent a ledger by XXXX XXXX Nebraska to show the certified amounts. These amounts did not match was Experian was showing. I sent another request on XX/XX/XXXX to again verify the account as accurate. Experian responded on XX/XX/XXXX that the account was updated and verified as accurate. Knowing the account was not verified, I sent a third request to have the account verified on XX/XX/XXXX. I also asked for a description of the procedure used by Experian to verify all of the information. I did not receive a response. On XX/XX/XXXX, I sent a factual dispute showing the inaccuracies between Experian and XXXX. I did not get a response. Frustrated, I did not follow up. I checked my account again XX/XX/XXXX and noticed that Experian was still reporting inaccurate amounts. I sent another dispute on XX/XX/XXXX to both Experian and XXXX XXXX Nebraska. I got a call from XXXX at XXXX XXXX Nebraska who was very helpful. He stated he does not know why the amounts that are showing on Experian are different than what XXXX XXXX is reporting. XXXX stated that XXXX XXXX reports to the credit bureaus on the last Saturday of the month. He sent me a certified ledger of the amounts. I double checked those amounts against Experian and they still do not match. XXXX stated there is nothing XXXX XXXX can do about the inaccurate amounts reflecting on Experian reporting. I also checked the monthly amount and Experian does not have any data on that. Experian finished their dispute today XX/XX/XXXX and stated the account was verified as accurate and updated. Experian is STILL reporting incorrect amounts even after they were notified of the correct amounts.

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 2021-01-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2020 I received a call on my cell by a man acting as a Wells Fargo fraud employee wanting to assist me with possible fraud of an out of state charge for {$500.00}. He continued to ask me questions about this person, business and charge which I answered. I kept trying to get him to verify his identity which he did providing my checking account number as well as the past six checks I wrote. Then he persisted for about 45 minutes asking confidential information about debit card which I supplied pausing many times, sending text codes of XXXX and XXXX and to call XXXX, he said for my identity. He transferred {$5000.00} illegally to this name, XXXX XXXX with account number XXXX. He made notification changes, added this name as recipient of wire transfer and made all changes while holding me on the phone. I am a retired XXXX year old XXXX  and my XXXX yr. old daughter who was present were tricked by this impersonator of my {$5000.00} savings. I have discussed this 4 times with my local branch, called the fraud department minutes later and on the phone .3-4 times for their quick less than 10 day investigation findings showing they cant recover my money and the problem maybe my computer compromised. This is unacceptable that my account was not secure and money unprotected. I filed complaint with FTC, am going for police report and DA. Can you help me, PLEASE.

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 2021-01-20
Company: Holloway Credit Solutions
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I tried emailing Holloway Credit Solutions on XX/XX/XXXX to resolve this complaint. They do not except email. I am not contacting them on the phone due to how rude the employees are. 

In XXXX I received a letter from Holloway Credit Solutions saying I had till XX/XX/XXXX to submit a financial aid application to XXXX XXXX XXXX or pay this debt for {$3300.00}. XX/XX/XXXX i mailed a financial aid application to XXXX XXXX XXXX. On XX/XX/XXXX XXXX XXXX XXXX sent a letter saying they reviewed my Financial Aid application and I qualify for 100 % charity discount through XX/XX/XXXX. On XX/XX/XXXX Holloway Credit Solutions added this debt to my credit report. No where in the letter did it state that I needed to contact Holloway Credit Solutions and notify them I was sending the application or what response I received for the application from XXXX XXXX XXXX. So Holloway Credit Solutions should be responsible for double checking someone account before adding a collection account on someone's credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Long story short. I had money in the account and i travel often and I like to use my card while in the road and not carry cash. On more than one occasion, I would say at least 5 occasions. I was in XXXX  and when I went to pull out money my account was frozen. I was not score to pay for my hotel. Ended up sleeping in my car. I had no gas and I had no food. Usually this feel at night or in a weekend and I would have to wait until the following Monday or the next day. I then stopped putting money in the account and would just use it to pay my bills. So I had auto deposit which was a mistake. They charged me fees which made my bills bounce and ultimately I lost my vehicle. It was towed in XXXX. Where they froze my account AGAIN! So my car ended up being impounded. I wasnt able to take out my car until I paid it in full, {$6000.00} I DEFINITELY couldnt access even if I had it. They caused me to make late payments, sleep in my car, XXXX XXXX, no gas. Every time was when I was in XXXX. They ultimately closed my account without my knowledge, and the reason? Because I hadnt deposited funds for I think a few months. It was when XXXX first hit and I got and wasnt making any money. I complained, I filled a complaint and they sent me their policy in an email and that was it. The banker is the one that understood and sent the complaint herself! They cost me ALOT OF anxiety, stress, hunger, loss of vehicle i under up losing my storage and being in everything. They took skit off over draft fees they definitely were to blame for but never ever paid me a XXXX! I was going to sue but I figured Id be wasting my time! XXXX just me and they are a bank you know! So good for you guys for helping! 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 explanation