BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-17
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Due date of XXXX XXXX and XXXX XXXX, XXXX XXXXWells Fargo Card Payment was sent to address pre-printed on statement. Payment was never credited. 

Received a {$25.00} penality of a {$22.00} purchase. 

Next payment was sent to address pre-printed on statement 7 days before due date. Payment was credited 14 days after date sent. 

Received statement stating that payment was late. Charged an addtional {$36.00}. 

Contacted business by phone and asked for explanation. Was told that payment had been mailed to wrong address. We pointed out that the pre-printed address/envelope was used. Also that back of statements stated same address. Was told that the billing address had been changed in XXXX. 

Replied that our billing statement still showed the old address at the place to which payment was to be made. After much discussion, agent said that we would be credited with the late penalty charges. Waiting to confirm that this has been. 

Statements for two month had been mailed with the incorrect address. We wonder how many other people have been forced to pay fees because of mismanagement or intentional means to generate money from fees.

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 2022-09-15
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a result of identity theft, I did not provide written permission or instruction for the identified transactions to be reported on my consumer report. The transactions are not information related to any transaction by me as the consumer : XXXX XXXX WAKEFIELD AND ASSOCIATES, XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reached out to both the creditor ( HSBC ) and XXXX concerning the debt that isn't mines. XXXX was noticed via USPS certified mail with returned receipt on two occasions starting 3 months ago. I'm yet to get a reply in the mail. I have the returned receipts in my possession as evidence dating back to XXXX and XXXX respectably. Today I decided to contacted XXXX, this time by telephone since I'm yet to receive any documents with a plausible explanation or results concerning my dispute. The representative from XXXX claimed they removed the item but it was placed back on my credit report by the creditor ( HSBC ) and moreover, that they could not remove it again and I couldn't dispute the account again. The representative refuse to accept my request to dispute an inaccurate account. After explaining to her I've contacted the creditor. She claimed that it was nothing she could do for me. I'm dumbfounded by the red tape here. I need your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Experian Information Solutions 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 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Verify This invalidated account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. Verify This invalidated account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX XXXX Account Number : XXXX Please remove it from 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 2023-06-27
Company: EQUIFAX, INC.
State: MA
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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-19
Company: MoneyLion Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with fraud alerts or security freezes

Complaint:
My Phone Number was recently hacked and used to obtain my email and my banking account information. Thus in which I had to go to XXXX  XXXX XXXX and freeze all of my accounts in which I found out my name was being used along with my email, phone number, and address in attempt to take out of loans out of multiple different sites and such. One site was Money Lions where I've tried contacting to state that I never opened account and now I received a text message saying they had approved for a loan to be taken out under my name. I found it rather hard to even get into contact with a representative let alone get an email response. It has already been a hassle to correct all the fraudulent activities that had happen within the past few days.

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 2021-01-22
Company: Kinum, Inc., Indianapolis, IN Branch
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I have a collection charge from a collection agency call KINUM I have no recollection of ever opening up this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: NJ
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
This problem started after I was XXXX XXXX and the person stole my wallet then draining my cards including my california unemployment debit account with Bank of America. This was XX/XX/XXXX. I report this and then was giving back a credit to my account as bank of america approved my claim of fraud and credited my account XXXX XXXX I provided information from the police report I had filed when this happened. Out of nowhere on XX/XX/XXXX my account inoticed wouldn't let me withdrawal the {$500.00} I had in it so I called Bank of America and they told me to call XXXX. When doing so I was told my account was frozen and I needed to provide identification for verification so I did and finally it went through on XX/XX/XXXX according to Ca XXXX. All the while my b of a account was in the meantime in the negative out of nowhere I learned since XX/XX/XXXX and continued rejecting payments and putting me so far into the negative the when I called Bank of America recently for the millionth time regarding this ongoing three mobth ordeal they told me that on XX/XX/XXXX XXXX payments were deducted by Ca XXXX causing all money tht was in my account was taken and my account was then put so far into the negative that anything that was deposited which wasn't anything close to the rightpaent amounts and schedule was immediately deducted due to my account being so far into the negative for God knows what reason.then on the XXXX of XXXX until now XX/XX/XXXX all payments were rejected said the bank of america claims person and told me XXXX has to reissue all payments from XX/XX/XXXX until now so I called XXXX. They said they put me on a emergency list for their finding specialist and I would have my money back within XXXX but probably at before then. I was so happy finally after months to hear this.it has now been over a week now since they said this.nothing has changed. Still none of the XXXX $ owed to me has been repaid. Now in the past three months almost that this has been going on i have lost my place of living and am now homeless as a direct result of this. I have lost countless things and this has caused great problems in my life.i now have nothing and can not live normal day to day life.it has ruined everything I had going and it won't end. I just want my money back. Please help me! I can't even afford to eat every day.

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 2022-09-17
Company: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/2020 a collection was on my credit of {$3400.00}. From the original creditor of XXXX XXXX. That total amount is very inaccurate. I was never informed by mail, called, or any form of communication with this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Under 605 ( C ) running of the period, it is a violation to RE-AGED an account on my credit report, in hopes of keeping the negative item on my account. Transunion, XXXX and XXXX are in violation of the FCRA and reporting inaccurate information on my credit report. it is unacceptable and preventing me from being approved for a home. I have reached out to this company sereval times in the lasr few months and they are not doing their. I have found an FCRA attorney who says i can get {$1000.00} for each violation on my credit report. i have included my credit reports to show the violations.

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 2022-11-26
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:
Please see the attached detailed explanation of this complaint regarding a disputed transaction under Visa Dispute Code XXXX XXXX XXXX. The charge date was XX/XX/2022 by XXXX in the amount of {$2600.00}. The expected and approved amount was {$610.00} as outlined in the rental contract. 

I properly notified Chase and provided ample and detailed supporting documentation for my dispute. Chase failed to properly investigate and handle the dispute case as evidenced by the timeline restrictions Chase claims improperly. Additionally, a chase dispute manager admitted the mishandled dispute of this transaction and filed a grievance for me. 

While XXXX, violated the terms of the contract, failed to request gain authorization for additional charges in excess of the contracted and agreed to amount, and failed to provide a refund as promised. 

As outlined in this document per the VISA Dispute Resolution Guide, and the XXXX and Federal Chargeback Statutes, liability for these errors and contract violations rests with Chase and XXXX, not with the cardholder. 

Pursuant to VISA Chargeback Code XXXX, XXXX, and Federal Consumer Credit Protection Laws, I am politely requesting to dispute this charge and the issuance of a full credit to my account and any and all interest, fees, or charges associated with this charge from its initial transaction date. Thank you for your attention to this matter. I have attached additional details below on this matter. 

To assist with your compliance Ive provided copies of the relevant XXXX XXXX XXXX, applicable UCC codes, and previously provided documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Threw XXXX XXXX from XXXX XXXX I purchased some items which I never received. It was a scam I disputed the transaction with XXXX XXXX they did nothing. I filed a police report and a complaint with the federal trade commission. My bank gave me a provisional credit then took the money back they are saying the transaction are valid. They aren't I was scamed. These transactions are fraudulent I never received any items for which I paid and I tried over and over to reach XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: Millco Management
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter to amerifinancial solutions LLC, XXXX XXXX XXXX XXXX XXXX XXXX, on XXXX asking them to validate a debt that I saw on my credit report. Instead of validating the debt, They sent me a letter on XXXX that contained my medical records with procedures and services done which I know is a direct violation of XXXX regulations. I never signed a XXXX form authorizing them to have access to this information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-04-19
Company: OneMain Finance Corporation
State: NY
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:
XX/XX/2021 I have no knowledge of this account or whatever it is and contacted this company and it has no info on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
The information listed on my credit report are all more than years old and reflect closed but have not been removed, please see below : XXXX XXXX  - Closed XX/XX/XXXX XXXX  XXXX  - Closed on XX/XX/XXXX XXXX XXXX XXXX - Closed XX/XX/XXXXXXXX XXXX  - Closed XX/XX/XXXX XXXX XXXX Closed XX/XX/XXXX XXXX  XXXX XXXX  - Closed XX/XX/XXXX XXXX XXXX - Closed XX/XX/XXXX XXXX XXXX accounts

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 2023-10-16
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I keep getting a denial decision for applying for credit from Chase Freedom. I have not applied and will not apply to them ... Keeps dropping my score and its low enough..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: AZ
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 eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-11
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Hi I faced a problem with Coinbase cryptocurrency exchange. And not only me as I found out. I have sent USDT cryptocurrency to Coinbase USDC wallet of my account. Then I have contacted the both companies and had the replies : XXXX- we are not able to help you with the recovery unless Coinbase  will send us a direct message confirming your deposit and address along with the permitiin to recover the funds for you. XXXX regards, XXXX Coinbase automated answer- Coinbase is unable to retrieve this cryptocurrency because we currently do not support it. Regards, Coinbase support.

As we can clearly see, it is easy to recover the funds. It just depends of attitude to the customers and authorities who bond cryptocurrency exchanges to follow the standard business practices. There never was just adequate response from Coinbase and they feel free to ignore the customers keeping customers money on their account. 
You are the part of the Gov what we elected. Please act to protect fair people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Metro Collection Service Inc.
State: MN
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent a debt verification letter to METRO COLLECTION SVC Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Phone number ( XXXX ) XXXX and have not received a response in over 30 days. The vehicle was repossessed but no information has been given about the debt. They are continuing to accumulate monthly interest with no proof of debt record. I sent the letter on XX/XX/2023 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am XXXX XXXX XXXX submitting this complaint against Experian Information Solutions Inc. and their is no third party involved. 

As of today, XXXX XX/XX/2022 at XXXX p.m. ( EST ) your company is entering a binding contract ( Attached below ). Also your company is to hereby delete and purge the accounts listed below, and if your company does not delete these accounts within XXXX business days, I will seek legal compensation for up to {$5000.00} per occurrence as your company will be committing aggravated identity theft, violating the XXXX XXXX compliance and FCRA. 

Delete & purge the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete all hard inquires, potentially negative accounts & late payments as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
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:
I will continue to dispute my credit report for errors until corrected. I will not respond to any letters sent, only response will be conducted through CFPB site only. 
Furthermore, I have not seen any corrections or been provided with the requested information to validate alleged obligation. I have filed complaints with FBI and other regulating authorities.

Company response to consumer: Closed with explanation