BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-07
Company: WELLS FARGO & COMPANY
State: OR
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Wells Fargo opened XXXX accounts in may name since XXXX. XXXX of these accounts were opened in the past 5 years. Wells Fargo ran my credit for a personal loan that was intended to be used as debt consolidation. At the time I had less than {$3000.00} a year in income. Wells Fargo opened a credit card account for me when I had no income and that got closed and in XXXX they opened another saying that it would help me build credit. Again at that time I had little to no income. I had to go into a branch to even find out all of my account numbers/ and the dates that they were opened and closed as these arent available online. I also have paid over {$2500.00} in over draft fees. Wells Fargo refused to allow charges to be denied when funds werent available. There were times where my account would have XXXX or more stacked on overdraft fees because items would be posted in my account online and then disappear only to reappear a few days later and with multiple {$35.00} fees attached.

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 2023-09-21
Company: EQUIFAX, INC.
State: LA
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 reviewed a copy of my credit report. I was shocked to learn I have a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove this account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XX/XX/XXXX I sent a dispute letter to all three bureaus ( XXXX, XXXX, and Transunion. ) My first XXXX and two collection accounts from XXXX XXXX are hindering me from the home-buying process and they are not being reported accurately. I have tried to communicate with the bureaus, and the Creditors to no avail. They each send me from one of them to the next and I've been involved in a countless cycle of this is not our doing, contact the other to resolve. No one has been able to verify these accounts as accurate, and yet they have not been deleted off of my credit report. 

Attached is photo proof from my credit report that XXXX XXXX is inaccurately reporting my account. An account that I have paid on time, every single month since XXXX. I have had perfect payment history on all of my accounts for years- and somehow it is reporting I was on time all three years up to XX/XX/XXXX, and then magically in XX/XX/XXXX I'm suddenly 90 days late. This is literally impossible and reporting wrong. I immediately requested that this entire account be removed from my credit report and have received no response. 


Attached also below is proof that two XXXX collections are inaccurately being reported as well I called in to the collection company and they told me they no longer have my collection and they had sent it back to XXXX  and I was to reach out to them for further assistance. When I reached out to XXXX they had NO record on file of that particular collection and collection amount. It's as if it literally doesn't exist. I was told to go to the physical store for help and they told me it was outside their jurisdiction and it's best to contact customer service again. I did and again they were unable to find said account!! I also have sent dispute of this account and failed to receive request verification of this account! 

The other account has been disputed as well and again it's not reporting correctly, and it's failed to be verified as mine but it is still on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-29
Company: Danco Financial Services, LLC
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Creditor : Danco Financial ( XXXX ) Law Office : XXXX XXXX XXXX ( XXXX ) The creditor, along with, their attorney illegally obtained a judgment against me and displayed my private debt information to a XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, GA XXXX. The judgment was obtained in 2014 in XXXX County. I have not lived at the above address in almost 8 to 10 years. This XXXX XXXX I have no knowledge of and none related to this individual. Whomever their process server is was able to get this XXXX XXXX to accept the court summons on my behalf. in the year of 2014 my address was in XXXX, GA and XXXX XXXX, GA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2015-10-22
Company: Walwick, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received the attached letter and believe it violates the following -Governed by 15 U.S.C. 1692g ( a ) 15 U.S.C. 1692g ( a ) sets forth the required contents of a typical collection, or dunning, letter : ( a ) Notice of debt ; contents ( 1 ) The amount of the debt ; MCA indicates this is multiple accounts and list only one. 
( 2 ) The name of the creditor to whom the debt is owed ; NOT PROVIDED ( 3 ) A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; NOT PROVIDED ( 5 ) A statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. NOT PROVIDEDAnd leads me to believe it also violates the following -15 U.S.C. 1692e : " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. " 15 U.S.C. 1692e ( 2 ) ( A ) : A debt collector may not falsely represent " the character, amount, or legal status of any debt '' 15 U.S.C. 1692e ( 10 ) : A debt collector may not use " any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. " 15 U.S.C. 1692f specifically provides that a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt, including, without limitation, collecting " any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. ''

Company response to consumer: Untimely response
Consumer complaint received 2022-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have been patiently waiting on CAPITAL ONE 's response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous account reporting on my Credit Report : ( CAPITAL ONE XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Experian Information Solutions Inc.
State: LA
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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2018-11-09
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
To whom it may concern, The XXXX XXXX AAdvantage card, managed by XXXX, has instituted predatory and unfair policies that have led to a drop in my credit score. I want my credit score fixed. 

In the entire year of 2018, I made {$23.00} in purchases with this card, all of which I paid off. I do not deserve to have my credit rating drop. 

The company sneakily instituted a new policy this year of a minimum monthly charge, notifying existing customers only in fine print. I have had this card for several years and rarely use it, and I was not aware that the company had suddenly decided to charge every customer {$2.00} each month. Since I don't use the card, I did not check my bill monthly - assuming, quite logically, that my bill would be {$0.00}. But because of this sneaky monthly charge, I began accruing late fees and more charges without my knowledge, eventually leading the company to report a lower credit score - - despite the fact that I had paid off all the real purchases I made with the card. 

I called several times and spoke to several customer service representatives, all of whom gave me a different explanation for the fees. One of them finally explained that the reason I was accruing late fees despite never using the card was the new monthly charge policy, but this person refused to change my credit report, citing " company policy. '' I'll repeat this, because it bears repeating : In the entire year of 2018, I made {$23.00} in purchases with this card, all of which I paid off. I do not deserve to have my credit rating drop. 

Thank you very much.

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 2023-04-28
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
AMSHERCOLLECTION SERVICES ( XXXX XXXX  ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1400.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2023 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
XXXX, Transunion, XXXX fails to investigate the situation properly.

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 2016-03-03
Company: Quality Recovery Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This debt is from a residence of 4 years ago, we were never sent a letter of intent to collect a debt. I did not receive a notice of right to dispute, nor did I receive any phone calls to collect a debt from XXXX XXXX, as I did n't realize I was being charged. Upon review of my credit report, the balance was sent to collections. I called the collection company to offer a settlement of {$500.00} and she laughed at me over the phone, lied to me about her title at the company, and then was very offensive, talking to me like a child. She offered me a settlement amount that was over my means, telling me that her supervisor approved that amount. When I asked to speak to a different supervisor, she stated " I AM THE SUPERVISOR LADY '', and she was very rude and offensive. I then spoke to another " supervisor '' who stated she was the supervisor, and unfortunately they could n't help me lower the settlement amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: GA
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:
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. 

Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX  XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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, provide proof, 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

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 2021-07-22
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Hello, I would like to report a complaint related to the Coinbase ( Coinbase XXXX  , Inc. ) cryptocurrency exchange platform. They refuse to refund my crypto funds. I faced a problem of accidental transferring my XXXX  crypto funds from the Coinbase Wallet directly to XXXX  address in Coinbase Exchange and my money got stuck/was lost ( not showing in my portfolio balance ).

The thing is, - I successfully sold my NFT item on XXXX XXXX and the money showed up in my account ( Coinbase Wallet ) as XXXX instead of XXXX  so I assumed they were interchangeable. 

At the beginning, I didn't even assume that the cryptocurrencies must be manually converted and XXXX/ETH are completely different cryptocurrencies and it's possible to wrap XXXX from XXXX ... It was all new to me ... 

I used only their Coinbase-related services ( Wallet and Exchange ) and transaction hash shows that it is successful, providing the link below : XXXX XXXX XXXX If you check my XXXX ( to which I transferred my lost XXXX  funds ) using XXXX  link above, - you can clearly see that it actually holds my money.

This means that they have not disappeared and are actually stored in this XXXX XXXX that is controlled/owned by Coinbase.

But Coinbase tech support keeps telling me that : " Cryptocurrency transactions on the blockchain are irreversible, meaning once they are sent, there is no way to recover funds. ".

However, XXXX  is an ERC20 token so they should be able to access it from the Ethereum wallet address I sent it to. ERC-20 tokens ( XXXX  ) and XXXX  use the same addresses so they can be recovered. The Ethereum chain supports ERC20 tokens.

XXXX XXXX  address is a valid ERC20 address, meaning I can send any ERC20 token to it. The coins I sent would technically be sitting in a wallet that Coinbase controls.

I've already tried to contact them privately and solve my situation through their tickets ( # XXXX  and # XXXX  ) and even using social media such as XXXX : XXXX XXXX XXXX This wouldn't be acceptable for any other financial institution, they hold my funds in a wallet and refusing to return them. 
I'm also ready to pay a fee for a refund from my side. 

I really hope that you will help and support me here. 

Looking forward for your feedback. 

Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Equifax is reporting inaccurate information under my name. Under the FCRA, everything they report must be completely accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: Lockhart, Morris & Montgomery Inc.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A new debt surface on my credit on XXXX XXXX, XXXX from a company called Lockhart Morris & Montgomery for the amount of {$7000.00}. I asked for information showing that this debt was mine and they have failed to submit anything to me. I never heard of this company and don't have any accounts with this company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation