BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC  XXXX XX/XX/XXXX ; XXXX XXXX CT XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$650.00} ; XXXX XXXX ( Original XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/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 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 XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2023-01-23
Company: WELLS FARGO & COMPANY
State: MS
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:
My checking account with wells Fargo was wrongly overdrafted when i had the money in the account to cover all payments. This has happened more than 3 times with this company but the last overdraft i refused to pay that added up to over {$550.00} each time. The account was closed by the bank because I didn't pay the overdraft and 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 explanation
Consumer complaint received 2020-09-16
Company: EQUIFAX, INC.
State: NY
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: Billing dispute for services

Complaint:
Late Payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: CL Holdings LLC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
From XXXX to XXXX I was working at the IRS in XXXX, GA and I applied for a XXXX XXXX Credit Card which included the XXXX XXXX, which is a program that in which if you lose your job for reasons outside of your own negligence they XXXX XXXX XXXX would basically wipe out or cancel out said debt. In XXXX we were furloughed from the IRS without a return date to go back. I contacted the creditor ( XXXX XXXX ) and told them my employment situation and they requested I send in documentation regarding the IRS Furlough, my GA Unemployment Documentation as well as pay check stubs from 3-6 months prior to the Furlough taking effect. I submitted this documentation and XXXX XXXX never clarified or processed the XXXX XXXX Debt Cancellation. For years I have been disputing this error as well as submitting the same documentations I originally submitted to all 3 Credit Bureaus as well as the collection agency Jefferson Capital and to no avail they still have not removed said debt. But have managed to keep selling this debt to various collection agencies with the most recent being Jefferson Capital

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Bank of america refuses to refund Me the money that was taken out of my account when covid hit I have been going back and forth with them for over 1 year I never received a card or a check I was out of state my old roommate stole my identity and bank of america will not help me I have sent them all my paper work and it's a joke now inwas denied for unemployment and disability with out them even Investigate in this situation

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 2021-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
i applied for auto loan at Bank of America where I have accounts for 15 years, i recieved approval email in XX/XX/2021 XXXX. when i got the approval i went car shopping for used car. i checked the Bank affiliated dealerships i found out they are offering used cars way more than its market value. i did informed the agent at the bank and she said if the dealership is not affiliated with the bank the interest will be more from 2.59 % to 3.09 % i said ok. i found couple of cars and the bank ( client specialist : XXXX XXXX ) asked for proof of income and address, emails back and forth i told her im XXXX XXXX i receive XXXX and she still sent me emails asking about w2 or paystub, i provided the proof of income and the address i had to change it on my bank statement and other bills that i can get because all was paperless ( all online ) so i didn't bother to change it from XXXX  to XXXX  i live in shared house no bills on my name and had address a postal service to make sure i get my mail ( all explained to lady who started the loan process and documented it ). i moved to XXXX and work in XXXX. some cars were sold so i went to MA and saw a car and put deposit {$500.00} to guarantee i get it. Supervisor XXXX XXXX ( assistant vice president client specialist ) who communicated with me and said bank statements or bills have to be 2 months then later she said we can take your driver license as proof of address if it has your physical address. i went ahead and changed the license after labor day and dealership where i put deposit informed me that they sold the car because i didn't finish the deal as in purchase order. then i sent the License to ( both XXXX and XXXX ) they kept me another day and XXXX called me to say we can not give you the loan because the license just changed now. 
everything i explained to them on the phone that i moved from ny to nj and was planning to get back to ny as my financial situation getting better and after all the runaround they told me no, wasting money and time. this is clear incident of discrimination .i have very good credit score ( attached ) and paid a lot of my cards not like many people after covid still struggling. i m dealing with the bank and they saw all my income for years. if they turn blind eye to all of this this is clear matter of discrimination may be if my first name was different i would have got the {$17000.00} loan. WHY In the beginning they give me approval and made me shop for car ... .its clear the underwriter saw name and didn't like it I printed all communication ( emails )

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 2023-09-06
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX XXXX has violated consumer my rights by sharing my furnishing an account that is fraudulent for the last 3 months. I am attaching the FTC statement, to address the account that is fraudulent. Please remove the XXXX account off of my credit report. This account was not open by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX, XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$3300.00}, XXXX XXXX Balance XXXX {$910.00}, XXXX XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-18
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: EQUIFAX, INC.
State: TX
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: Other problem getting your report or credit score

Complaint:
Unable to Get my updated credit report. I want my credit Score to be updated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am advised the CFPB reached a settlement with Well Fargo regarding their foreclosure process. I believe I am entitled to receive settlement monies. I writing in regard to when the settlement amount will be received. 

My previous compliant numbers filed with CFPB are as follows : XXXX XXXX XXXX XXXX It seems that my Wells Fargo continue the foreclosure process when they no longer owned the mortgage. I no longer own the property. My new address is XXXX XXXX XXXX XXXX New York XXXX. 

My name is XXXX XXXX and my cell phone number is 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 2022-10-11
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
1 ) On XXXX XX/XX/2022 I received an invoice from XXXX XXXX of PayPal for {$290.00} for a subscription of XXXX XXXX XXXX. I don't even have an account with PayPal. My wife does. I told her about it, and she immediately called PayPal, and they said that they would take care of it. It is now XXXX XX/XX/2022 and the charges are still on her account. I know this because of the following XXXX ) On XXXX XX/XX/2022, I received an invoice from PayPal for {$780.00} for something unknown. I immediately called PayPal to find out what this was all about. Since I don't have an account with them, it took an extremely long time to get a hold of somebody. I called XXXX and spoke to XXXX who told me that my email address was linked with my wife 's account. I explained to him my problem and after some time, he told me that he would transfer me over to their fraud department. I waited about XXXX minutes on hold, and finally hung up. 

I would have preferred to have emailed them, but they have no email. 

I asked my wife to check her account to see if the {$780.00} was on it, and she said, no, but the charge of {$290.00} was still on her account. 

I would like both of these charges removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Coinbase, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Coinbase was requested to return the remaining account funds to my original payment funding source since my account was compromised XX/XX/. They have not returned the funds. 

They are now in violation. This will be reported to the IRS and Department of Treasury.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: SANTANDER HOLDINGS USA, INC.
State: TN
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:
Santander consumer usa have charge this account off, but is still showing open on my credit. this company is reporting that the first missed payment was in XXXX, I opened this account with santander consumer usa in XXXX of XXXX, shortly after that i loss my job try to work something out with this company, and they would not, the documents i have sent, showing XXXX though XXXX of XXXX pay history showing all the return payments and there was only 4 payments made by XXXX XXXX on this account, You will also see how many times this company post on return payment, every time i dispute this account this company would change this account to keep it on my credit, the same information you will see on the history of this account is the same information i sent to the credit bureau, and was told that santander consumer usa told them that pay history was wrong. I also send a copy of XXXX XXXX XXXX credit report showing this account is still open open on credit report.,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2019, I noticed a fraudulent withdrawal of {$1800.00} on XX/XX/2019 from my Checking Account. It stated " CA TLR cash withdrawal from XXXX ''. This fraudulent withdrawal happened in XXXX, California. I was working that time in XXXX XXXX, California. 
I have never lost my wallet/debit card and the transaction stated it was Teller Cash Withdrawal. If someone is withdrawing this large amount of cash, shouldn't the teller have to check the ID? Shouldn't that be the bank 's protocol? If they did, they should've caught that it wasn't the correct person. Why wouldn't the Bank check each individual customer 's ID 's to make sure this doesn't happen? 

I locked my debit card right away when I found this out and a couple hours later, this theft tried to withdrawal money again. This theft went to another branch in XXXX XXXX, California to withdrawal more money. But since my card was locked, it was denied and I received an alert email. 

When I first called the Check Fraud Department, they said they'll resolve this issue in 60 business days. They did not keep this promise. It took longer than 60 business days. I had to call multiple times to get any answers and they told me to keep waiting and there's nothing I can do. 

I was notified today that the claim will not be honored for the following reason : " Your ATM/Debit Card and PIN were used as identification during the transaction ( s ). '' After waiting more than 60 business days, they just send me a PDF with that simple explanation. What did they do to help their loyal customer? This is an outrageous result.

If the Check Fraud Department would check the surveillance camera video, it will prove that it wasn't me who took out the money. From researching, it seems like Bank of America does not care about all of their customers. They only pull videos for claims over {$5000.00}. I need to receive my {$1800.00} back. {$1800.00} all the money I had and is a large amount of money for me. 

Why does Bank of America allow fraud to go unchecked if it's under {$5000.00}? 

On Bank of America 's website, it states, " {$0.00} Liability Guarantee will credit fraudulent transactions made with your debit card back to your account as soon as the next business day if your card is lost or stolen. '' My card wasn't even lost or stolen, and they are refusing to refund my money. 

This is unfair and unprofessional for them to just deny my claim. 
Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-09
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We took out 2 loans in XXXX with this company, and paid them in full. Now, the same company is billing us for four NEW accounts that we did NOT open at all. These 4 new loans were made/opened in XXXX of XXXX and in XXXX of XXXX. There are currently 4 accounts open with the same company that we are being charged for, but we have paid this company in full. Currently, the original company has sent these accounts to a debt collector that referred us here to file this claim. 

Accounts being charged for : 1 - {$330.00} XX/XX/XXXX 2 - {$180.00}. XX/XX/XXXX 3 - {$330.00} XX/XX/XXXX 4 - {$590.00}. XX/XX/XXXX We paid a total of {$1100.00} as of between XX/XX/XXXX through XX/XX/XXXX ( auto-withdrawn ) to pay off our account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -ACCCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -ACCT # XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 SECTION 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Phoenix Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a debt collection notice by mail XX/XX/XXXX. On the same day, I disputed and requested verification of debt via online XX/XX/XXXX. I didn't hear anything back from Phoenix Financial Service. I reviewed my credit report today XX/XX/XXXX and Phoenix Financial Service Reported to XXXX and my credit report now show this alleged debt. I called and provided them the exact date when I requested to verify debt and dispute. I was told they allegedly sent verification XXXX. I never received any verification of debt. Collector I spoke to was hostile and was not letting me finish speaking. I told them they never provided verification of debt. Collector said it is for a medical bill from XXXX year XXXX. This alleged debt should be verified as requested, they never provided this. The collector 's threat is that they will just continue to repeatedly report to Credit Bureau if I dispute and before I could say anything she hang up on me. I double-checked the information provided to XXXX and found inaccurate information. 
In summary : - Phoenix financial Service never provided verification of debt. 
- Phoenix Financial Service states the alleged debt is for an unpaid medical bill year XXXX. 
- Phoenix Financial Service reported alleged medical debt to Credit Bureau, a debt that is not verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received a copy of my credit report and found the following item to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : 1. I have never been late with payments on this account. 
XXXX XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
Credit Bureau is refusing to investigate or replay with same answer.

Company response to consumer: Closed with explanation