BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-03
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I received a call from Wells Fargo ( XXXX ) on Tuesday, XX/XX/23, at XXXX XXXX  and the person ( who sounded like a man ) said my debit card had a purchase on it from Florida. He asked if I made this purchase or if I had lost my card, and since I hadn't made the purchase nor lost my card, he said he would cancel this card and send me a new card. I was hesitant because people are pulling scams like this, so I asked what the last 4 digits of the card were, and he told me XXXX, which is correct. He told me that before sending me the new card ( ending in XXXX ), I'd have to set up a new PIN for it via an automated voice system. He transferred me to the automated system where I typed my new PIN into the system -- this PIN was different than the PIN from my debit card ending in XXXX. After that, I was transferred back to this Wells Fargo person and he said he would rush mail me my new debit card. I was hesitant throughout the conversation w/him because I was afraid it could be a scam, and he asked me if anything was wrong at the end of the call. I said I was worried it could be a scam, but that I hadn't given him any important info, and he said something along the lines of that it wasn't a scam and they were trying to protect me, so we parted ways. XXXX, XXXX, morning at XXXX XXXX, I received an email from Wells Fargo stating that my debit card ending in XXXX was being shipped to me ; however, at XXXX XXXX, I received an email from Wells Fargo saying that my card ending in XXXX had been declined in XXXX, XXXX. I logged into my WF account only to see that someone had stolen almost all the money from my savings and checking accounts. They withdrew three times : {$2000.00}, {$280.00}, {$240.00}, totaling {$2500.00}. I talked to XXXX ( didn't ask for last name or employee number ) at Wells Fargo, who opened a claim ( claim # XXXX XXXX XXXX XXXX ) and is starting an investigation. Throughout talking to XXXX, she said that Wells Fargo doesn't use automated systems to set up PINs and that if suspicious activity is happening on a person 's card, an email or letter is sent to the person -- a call isn't made. She also said that the address the new debit card was sent to was one in Florida -- I live in XXXX  and don't even know anyone in Florida. The address it was sent to wasn't close to what mine was.

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 2021-08-31
Company: Coinbase, Inc.
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I was using Coinbase wallet to invest into cryptocurrency, then my account got hacked and I tried reaching Coinbase customer service no one responds no matter how many times I tried. Its been over 2 months. I had over {$1000.00} invested in there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : OFFICE OF THE ATTY GEN XXXX Balance : {$19000.00} US DEPT ED XXXX Balance : {$7500.00} US DEPT ED XXXX Balance : {$2700.00} US DEPT ED XXXX Balance : {$4000.00} US DEPT ED XXXX XXXX : {$1600.00} XXXX  XXXX XXXX Balance : {$1100.00} XXXX  XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$1100.00} XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-04-06
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My compliant is not only that the amount reported to the credit bureau may be incorrect but that they have misrepresented the information on the account which has led to miscalculating how long it remains on my credit report. 

Therefore, I am not sure that any of the information is correct since the account has been clearly reaged before reporting to XXXX credit bureau. Now causing it to be on my credit report for longer than 7 years. 

History : The original debt of {$300.00} for a Catherines credit card managed by Comenity bank. Due to financial and medical hardship, I became delinquent with this account in the summer of XXXX ( around XXXX ). It went into collection status and although I tried to make periodic payments to the collection agency which totalled to about {$900.00}, there was still a remaining balance due to their continued increases in the amount due which was very questionable when the original debt was only {$300.00}. However, I believe Comenity may have held it for a long time causing the tremendous increase in the amount due. 

The other issue is that when XXXX bought the debt in XX/XX/XXXX they may have reaged the delinquency date by reporting it as a new delinquency account after buying the debt from Commedity bank in XX/XX/XXXX. As a result, it makes it look like the delinquency date started in XX/XX/XXXX rather than in XXXX of XXXX when the account was with Comenity bank. 

As a result, this has manipulated the date of removal and/or how long it stays on my credit report with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: PENNYMAC LOAN SERVICES, LLC.
State: NY
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:
Dispute Timeline : XX/XX/2023 Explanation of Dispute : In XX/XX/2023, I was wrongly labeled as late on my credit report for a supposed missed payment. However, I have proof that I made the payment on time. I had made the payment with a bank account that I've used many times in the past with Pennymac. 

I received a confirmation that my loan was paid and I went on my merry way. Come to find out I was marked late and I had no idea why. 

I tried to resolve this by contacting their customer service on both XX/XX/XXXX and XX/XX/XXXX, but I didn't receive any help or solution. Unfortunately, I wasn't able to speak to a manager. 

In addition, when I did speak to them on a recorded line the customer service representative acknowledged that the payment was received and being processed. They admitted that there was an error on their end, but unfortunately, they couldn't fix it. 

Normally, I use my XXXX  XXXX XXXX account, but this time I used my XXXX XXXX account. Again, I've used this XXXX XXXX XXXX  account before without any issues. After I provided the payment information, the system did again confirm that the payment went through. I didn't receive any notifications about processing problems.. 

I kindly request that you correct this mistake. I take pride in paying my bills on time and would appreciate your prompt attention to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
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:
This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX  XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$5400.00} XXXX  XXXX Balance : {$0.00} 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 non-monetary relief
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-11-18
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My credit card bill {$47.00} was due on XX/XX/XXXX. I scheduled to pay in full through my XXXX XXXX app which automatically pushed it to XX/XX/XXXX since XX/XX/XXXX is on a Sunday.A payment of {$47.00} went through on XX/XX/XXXX. Today, XX/XX/XXXX, I received a bill of {$62.00} constituting two {$30.00} late fees and {$2.00} interest charge. I never received the XXXX credit late fee bill.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-13
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: CO
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 opened an account with Security Service Federal Credit Union for a credit card on XX/XX/XXXX this account was paid in full and closed on XX/XX/XXXX. It was closed in good standing with a balance owed of {$0.00} On XX/XX/XXXX Security Service federal Credit Union reported this credit card account ( # XXXX ) as XXXX days past due with a balance due of {XXXX I contacted Security Service on XX/XX/XXXX and was told to file a dispute with them via XXXX. I did so and received a letter stating they can not find this account in their system. I received XXXX letters stating this last week. 
Today, XX/XX/XXXX I have spent XXXX hours being transferred with representatives at Security Service Federal Credit Union and they still say they can not resolve and/or find this account. The account is showing derogatory and delinquent 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 explanation
Consumer complaint received 2021-08-30
Company: EQUIFAX, INC.
State: OK
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 credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Synchrony for Sams Club master card ending in XXXX. 

I been getting statements sent to my email ( XXXX ) about an account I never opened or utilized. 

This is a Walmart credit card. I dont even shop in Walmart . 

XXXX/XXXX/XXXX XXXX ending in XXXX statement balance {$340.00}. 

XXXX/XXXX/XXXX XXXX ending in XXXX statement balance {$0.00}. 

XXXX/XXXX/XXXX XXXX ending in XXXX statement balance {$50.00}. 

XXXX/XXXX/XXXX XXXX ending in XXXX statement balance {$0.00}. 

I never opened this card. Ive called Synchrony Bank about having my email removed from their database because I do not own a Sams Club or Walmart credit card. 

Customer service told me that theyll remove my email address but they never did. 

Sams Club Mastercard account is a fraudulent account. It should be investigated immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-21
Company: ACIMA CREDIT, LLC
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Enter store to browse products to support a local new business. Find hedge trimmer ( value {$40.00} ) and laptop ( value {$200.00} ). Decide to finance instead of cash payment. Employee tells that I am approved for {$5000.00} line of credit. Employee tells that I can pay it off at {$26.00} per pay period until the SALE PRICE of {$240.00} is paid off. Employee did NOT inform me that I had to pay it off in 90 days, or suffer the consequence of a payoff amount of nearly TRIPLE the value of the original equipment being financed. This is predatory, unfair business practices and this company should be shut down. Period. 

I have paid to date, at the time of filing this complaint, {$310.00}. The loan is satisfied. I do NOT want a refund and I will GLADLY return the equipment, which has seen minimal use since purchase. I want OUT of the rest of the payments as scheduled. I will NEVER EVER use this company or its credit agency again. And, I will be sure to inform ALL of my friends, family, and associates about its business practices. 

This ( attached ) lease agreement that I " signed '' has an electronic signature that was typed in by the EMPLOYEE, not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Recently, I did an investigation on my consumer report which has caused severe XXXX and XXXX  upon me. In accordance with the Fair Credit Reporting Act XXXX, XXXX and TRANSUNION has violated my rights. 
-15 USC 1681 ( a ) ( 4 ) : states that I have the right to privacy as a federally protected consumer.

-15 USC 1681b ( 2 ) : states a consumer reporting agency can not furnish an account without my written instruction or oral instruction -15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy. 

The following accounts are errors : XXXX. XXXX XXXX XXXX Open Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Open Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Open Date : XXXX XXXX, XXXX XXXX. XXXX XXXX Open Date : XX/XX/XXXX XXXX. Account XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-26
Company: Experian Information Solutions Inc.
State: TX
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:
On XX/XX/2019 I sent a final letter to the Credit Bureau discussing an issue with my consumer credit report. I explained that I have sent multiple letters requesting the following : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. " To date, I have not received any verification of any kind to resolve this matter nor has the item been deleted. My next step will be small claims court if this matter is not resolved.

I have studied the law and noted that in order for an account to continue reporting on my file, it must be accurate and verifiable. Neither of which are the case regarding this account. The account number is not shown on the credit file nor have a received any verifiable documentation to show that this is an account that I owe.

I received a letter on XX/XX/2019 stating that they have verified this account and will not be investigating the item again.

The additional letters were sent XX/XX/2019, XX/XX/2019 and XX/XX/2019. I have attached copies of the certified receipt and I appreciate your assistance with resolving this matter.

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 2019-12-26
Company: TMX Finance LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Under 12 USC 83 no bank can loan credit. Under 15 USC 1692 when consumer disputes debt a cease and desist from collection of the debt until verified. A request of securization analysis report only to prove the debt owed and proof the credit came from TitleMax and they were not just acting as a trustee to a deceased estate. All responses not done by affidavit only will be rejected as false and default with a notice of settlement for the inducement of fraud by non disclosure of where the money came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
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: Account information incorrect

Complaint:
Transunion should not be reporting me as an authorized user on the XXXX XXXXXXXX partial account number XXXX. ( Please see attached page from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed 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 explanation
Consumer complaint received 2023-09-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit cards were stolen along with my phone, I had the same PIN for both and because I have a long term illness which I take medication for I wrote the PIN down in my phone. Over {$800.00} was taken from me, they went to ATMs in parts of town I had never even been to. Of my two banks, XXXX reimbursed me for the {$130.00} taken from that account once I sent them the police report. My other bank, J.P. Morgan Chase Bank are refusing to reimburse me for the stolen funds, {$720.00} from that checking account. They say I authorized the transactions and their investigation was thorough and complete. I gave them all the evidence including the police report and answered their questions, I explained why I wrote the PIN down even though I thought they meant on paper, either way they said they are done and can not help me further. I feel I am a victim of a crime all over again and Chase are giving more protection to the people who stole from me. If they actually engaged with the merchants and looked at the security footage of these random ATMs they would see people stealing from me. I am so devastated by this huge financial knock. I dont feel secure and I no longer trust this bank. The claims team were horrible to deal with, they had awful attitudes and more or less blamed me for what has occurred and said I was making it up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
TransUnion You are reporting a tradeline that is not mine. XXXX XXXX account number XXXX My Legal Name is XXXX XXXX XXXX not what XXXX XXXX  IS REPORTING. My request is for compliant XXXX XXXX reporting. 

This must be deleted immediately.

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