BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-09
Company: WELLS FARGO & COMPANY
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Subject : Request for Resolution of Auto Loan Account Issues Dear Wells Fargo Auto, I hope this message finds you well. My name is XXXX XXXX and my account number is XXXX. I am writing to address several concerns regarding the handling of my auto loan, account mismanagement, and its impact on my credit profile, and professional life. 

In the latter part of XXXX, I acquired a loan from Wells Fargo Auto for the purchase of a XXXX XXXX XXXX XXXX from XXXX XXXX  in XXXX. Regrettably, following the loan acquisition, my account experienced mishandling, including being placed on multiple deferment programs during the peak of the coronavirus pandemic. Representatives often advocated for these deferment programs, resulting in the continuous reporting of late or overdue payments to the three credit bureaus. 

Despite my persistent efforts to rectify the situation through multiple calls to Wells Fargo Auto, my attempts to resolve the issue and prevent negative credit reporting proved unsuccessful. Furthermore, my attempts to set up automatic payments and discuss alternative payment arrangements were met with challenges, exacerbating the situation. 

The mishandling of my auto loan has had severe repercussions, adversely affecting my credit, hindering my ability to secure new credit, housing opportunities, and employment. I am currently facing the imminent risk of job loss and housing insecurity due to the lack of a payment arrangement for the settlement amount, currently at {$18000.00}. 

I am requesting a fair and positive resolution to this matter, specifically the prompt removal of my Wells Fargo Auto loan account from my credit profile. Additionally, I kindly request an adjustment of the reported loan amount to reflect the agreed-upon settlement amount of {$18000.00}. To facilitate this resolution, I propose a payment plan of {$1900.00} per month for four months, totaling {$7400.00}, and I am earnestly seeking an acceptance letter from Wells Fargo Auto acknowledging this arrangement. 

The provision of such a letter is crucial, as it will allow me to present a clear understanding of the payment arrangement to my employer and housing development, averting the potential loss of employment and housing. I understand the importance of fulfilling my financial obligations, and I am committed to resolving this matter amicably. 

I kindly request your prompt attention and cooperation in providing the necessary documentation to facilitate the agreed-upon settlement and ensure a positive outcome for all parties involved. 

Sincerely, 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 2021-01-21
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XXXX XXXX XXXX Chief Compliance Officer COINBASE XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : Case # 's XXXX, XXXX, XXXX, XXXX, XXXX I am writing to Coinbase to confirm that I have received no response to five messages requesting help for my account. Specifically, I made a wire transfer to Coinbase on XX/XX/20. Coinbase has never verified or confirmed receipt of funds. 
This is my second letter to your office to resolve this issue. Despite Coinbase 's receipt of wired funds, my portfolio still shows a {$0.00} balance. Coinbase continues to send me emails asking to choose a method of payment despite having already received wired funds to my account. Where is my money? 
From the time funds were transferred to Coinbase I have lost money on the trades/purchases I had intended to make upon Coinbase 's receipt of funds to my account. Where is your response? This level of customer service from a licensed broker-dealer is disgraceful. I trust at least one of my messages will be responded to in short order. 

XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$8.00} -This is not my account.

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 2024-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
First of all, B of A processed two successive fraudulent applications in successive weeks that were submitted using my PII for a XXXX XXXX XXXX credit card. The bank queried my credit but did not receive a response from the credit bureau because I have my credit locked. The bank then emailed me a request to unlock my credit file so they can process the accounts which prompted me to report both attempts to B of A as fraud. If B of A is aware that someone is fraudulently attempting to open accounts in my name multiple times, why do they continue to process them? Poor controls?

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 2023-08-28
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting 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 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 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

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 2021-01-09
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Company sent dunning letter. 
I sent a validation letter asking for debt validation which is my right under FDCPA Company sent a letter NOT providing information I requested and ignored validating the debt. 
I sent a 2nd validation letter indicating they did NOT provided me with what I asked for, therefore, they are unable to validate this debt. I would like for this account to be removed for it is damaging my credit. 
XX/XX/XXXX and XX/XX/XXXXare reporting this debt which is a FCRA violation because they are reporting information that can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Not aware of this bankruptcy account as you know reporting things inaccurate on my account is against the FCRA .I need a written response with complete information that shows I gave my written consent to a clerk at the courthouse attached along his or her name the date it happened the time it happened & the name of the person who handle my case I cant believe this happened Im just trying to take care of my girls. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Never open up a XXXX XXXX  credit card from XXXX to XXXX. This is fraud and theft. This is on my credit report from 3 credit bureaus and needs to be remove immediately. The account # on my credit report is 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 2020-01-30
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
These are not my accounts. Please remove them.

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 2024-01-09
Company: USCB Corporation
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Trying to collect a debt that is not owed

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: BARCLAYS BANK DELAWARE
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
in the past 2 years i tried to fix my credit. i had some delinquent accounts. i contacted all of them and asked if i could make a payment for less but they would except it as payment in full and would ask the credit agency to remove them from my credit report. all agreed to do so. to my surprise i found out there were 4 companies who didn't do as they agreed to do after paid. ( i owed about 12 companies ) i than contacted each of the 4 of them with no success of having these negative accounts being removed after they agreed to do so. it was a bait and switch tell me anything to get paid and then not do what you said. i am at wits end. I don't know where to turn that's why im contacting you. The name of the companies are Barclays Bank partial acc # XXXX, XXXX XXXX partial acc # XXXX, XXXXXXXX XXXX XXXX acc # XXXX, XXXX XXXX XXXX partial acc # XXXX. i would appreciate any help you can give me in removing these items. Also there are 3 self reporting items that should be removed they are on my report and shouldn't be, as i just wouldn't allow a company into my bank account anymore to see that they are paid as i didn't feel comfortable with a credit company in my account

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 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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

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 2019-06-18
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I've been filing complaints relating to fees charged to accounts opened as a result of Wells Fargo high-pressure sales tactics in order to boost profits for their executives, I requested a refund of remaining fees and was denied recently. It appears Wells Fargo rather remedy the issue than resolve it by providing small refund amounts of {$50.00} and most recently, {$120.00}. As I've explained and according to what the attached statements show, these remedy amounts do not cover total fees, namely overdraft fees, which I was charged a total of {$870.00}. I was refunded a total of {$260.00} thus far. This refund total includes {$85.00} received from Wells Fargo settlement pertaining to their high pressure sales tactics. I requested a refund in the amount of {$610.00}, remainder of fees, in a prior complaint as well as through Wells Fargo mediation solicitation received recently, have not heard back in reply to my request. However, I was denied refund through complaint, their medication dept has not gotten back to me as of yet. Further, I requested an accounting of fees charged to said accounts, it does not appear my request was honored. I believe my refund request in the amount of {$610.00} is fair, not including monthly maintenance fees. This is a final settlement amount which will resolve any and all claims/complaints related to and thereof, failing to honor this request will result in additional complaints filed through other agencies.

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 2023-09-26
Company: EQUIFAX, INC.
State: OH
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:
I was notified of a hard inquiry on my credit report and received a call from XXXX XXXX XXXX XXXX  inquiring as to whether I applied for a credit card and I did not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
Company: EQUIFAX, 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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: JPMORGAN CHASE & CO.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I am XXXX XXXX XXXX a XXXX XXXX  at the XXXX XXXX XXXX. I opened a checking account in Chase Bank on XXXX XX/XX/2023. Chase Bank had offered that If I enrolled for the direct deposit within 90 days, I would get a bonus of XXXX XXXX I enrolled for the direct deposit on XXXX XX/XX/2023 which is before the validity of 3 months but my check got deposited into the account on XXXX XXXX because of some issue between the bank and the university. Chase Bank claims that I won't be getting a bonus since the check git deposited after the validity. I feel this is unfair since I was just asked to enroll for the direct deposit within 90 days no matter when the check gets deposited. I request that some action be taken against them. I called them multiple times but the bank is not responsive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-10
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the application process

Complaint:
My XXXX  and I bought a house in XXXX XXXX  XXXX. It had a clear title that was insured by XXXX title. We are now trying to sell the house and the XXXX  and Freedom Mortgage filed paperwork in XXXX XXXX  XXXX, for an unknown mortgage to an unknown person. Per XXXX this has been paid prior to our closing in XXXX XXXX  XXXX. Neither my XXXX or I are have ever ever been in the XXXX. Freedom Mortgage has been contacted prior to the initial closing date of XX/XX/XXXX about this and they keep saying that it will take a few more days. My XXXX is paying $ XXXX in interest because we can not close this house. Our loan is through XXXX XXXX XXXX. 
I believe that Freedom Mortgage should clear this loan off the title as it was put on incorrectly. They should also have to reimburse the interest accrued from XX/XX/XXXX through the actual close.

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 2023-09-25
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: Experian Information Solutions 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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-01-21
Company: Experian Information Solutions Inc.
State: MN
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:
on XX/XX/2021 at XXXX, CDT, I attempted to retrieve my 3 credit reports via XXXX. I was able to successfully retrieve my report from XXXX. I received errors when requesting XXXX and Experian reports. 

Next, I spent 8.5 minutes using the telephone request system and It accepted the XXXX request but before it got to the Experian request, the system ended the call. 
I tried online again at XXXX XXXX and was finally able to receive my XXXX report but the system failed to process my request for the Experian report. Finally, I tried again to retrieve the Experian report at XXXX XXXX and I received the same error message as in the previous two online attempts : We're sorry. A condition exists that prevents Experian from being able to accept your request at this time. 
To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX  Request form. 
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX With the amount of mail theft occurring today, I can not imagine send my request ( with social security number ) or receiving my report by mail. 

Please investigate Experian 's inability to deliver credit reports via the online system at XXXX XXXX XXXX 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 non-monetary relief