BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-14
Company: Army and Air Force Exchange Service
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was contacted by a XXXX XXXX XXXX XXXX, on XXXXstating that I owe a debt of {$11000.00} for a Military star Credit card. As I explained to the collection company, I have never applied for or owned a military star credit. then around XX/XX/XXXX, I got a letter showing interest accruing on this fraudulent military star credit card to the tune of {$11000.00}. I asked them ( XXXX collections and AAFES ), to look into this account for fraud. the collection company has yet to provide a copy of the signed application or any pertinent proof, that I applied or received a credit card from the AFFES ( Army Air Force Exchange Store. 
I have sent notices to the collection company and also to the AFFES, and none have taken corrective actions to correct this injustice of identity theft. 
XXXX collection has now taken unprecedented actions in XXXX and seized my XXXX tax returns on this fraudulent account. 
I have been reaching out to attornies and other governmental agencies for assistance in this fraudulent matter, stating to these entities I did not owe this bill nor was it my account, to no avail on several occasions I was informed that this case is not going away because was like owing the IRS part of the government. I am still in search of and seeking to correct this wrong and prosecute the Individuals or whomever that have wronged and stolen my identity and created this fictuticious account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: NATIONSTAR MORTGAGE LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am writing to dispute the following information in my file. The essence of my complaint is that my Mortgage Servicing Agent, Nationstar Mortgage,  XXXX , TX  ( Nationstar ) acco unt #  XXXX  misapplied 2 months worth of regular mortgage payments  in 2013, has sin ce returned the funds to me, but will not remove the erroneously reported missed/late payments from my credit history or recognize regular installment catch up payments, instead insisting I pay penalties and interest which have accrued on my loan in arrears. Details are attached :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Experian Information Solutions Inc.
State: SC
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 several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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

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 2021-07-24
Company: Winklevoss Exchange LLC
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
hi I am XXXX, I OPENED AN ACCOUNT IN GEMINI ( XXXX XXXX ) Gemini Trust Company , LLC. 
I UPLOADED ALL THE DOCUMENTS TO VERIFY THE ACCOUNT AND ACCOUNT GOT VERIFYED. 
I MADE A WIRE TRANSFER FROM MY XXXX XXXX  ACCOUNT FOR {$25000.00} ON XXXX.WHICH I GOT IN GEMINI ACCOUNT. BUT THEY RESTRICTED MY ACCOUNT TO TRADE BUY/SELL/WITHDRAWL MY MONEY IS STUCKED THERE. I GOT THE MAIN FOR WIRE CONFIRMATION AND THEY NEED TO VERIFY THE WIRE FOR THAT THEY NEED SOME ADDITIONAL DOCUMENTS I.e. MY PHOTO WITH ID PROOF, DATE AND NOTE WRITTEN ON PAPER I attest that I am voluntarily opening a Gemini account and no one has instructed me to do so AND I HAVE SEND XX/XX/21 ( XXXX XXXX ) BUT STILL MY ACCOUNT IS RESTRICTED AND I CANT USE MY OWN MONEY. I EMAIL TO COMPANY SO MANY TIMES RAISED THE TICKETS FOR COMPLAINTS BUT NO RESPONSE FORM THE GEMINI SIDE. I FEEL I LOST MY MONEY.

PLEASE HELP GETTING MY ACCOUNT ACTIVATE ASAP. AS ITS A HUGE AMOUNT.

MY REGISTERD USER NAME WITH GEMINI IS XXXX ATTCHING DOCUMENTS 1. PHOTO WHAT THEY ASKED TO VERIFY UPLOADED 2 TIMES 2.MESSAGE WHICH SHOWS RESTRICTED 3 PROOF FOR {$25000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/2023 I made a {$4000.00} and a {$370.00} payment to my Wells Fargo loan XXXX. On XX/XX/XXXX the money was removed from my XXXX XXXX XXXX XXXX bank account. On XX/XX/XXXX Wells Fargo reversed my loan payment and charged me more interest. I had just left Wells as my employer and moved to XXXX but that shouldnt have mattered what is going on? Wells is essentially messing with my money now.

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 2023-07-31
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I paid for two American Express Pre-paid Gift cards on or about XXXX 2021, each in the value of {$75.00}. Both cards had charges on them before I even received the cards in the mail. I attempted to comminicate with American Express to advise that they needed to send replacement cards. Amex said that they disclaimed all liability! For more than one year, I have been attempting to communicate with the Executive Office of American Express about this issue. I have been told that AMEX will not assist me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-19
Company: EQUIFAX, INC.
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Please forward to Equifax HQ related to the Hard Inquiry done on my account by XXXX/XXXX  on XXXX. 
After me being approached while shopping by a promotional XXXX lady to promote XXXX sales by the way of giving people 10 % off if consumer open up a credit card, not initially telling the consumer they are doing a credit application online but collecting as much information about that consumer is a unique strategy to increase sales. Once the data is in the system, some consumer later find out the process to getting the 10 % allow it to go through XXXX system. However, I stop instantly after she asked for my SSN. Their strategy to increase sales caused ( 1 ) A communication break-down between the consumer and the promotional lady, ( 2 ) Materialized into an invalid hard inquiry ( 3 ) Caused the consumer ( me ) credit score to drop by 2 points and ( 4 ) Caused me extreme distress. 
( A ) XXXX XXXX wrote on XXXX to Equifax, Inquiries are a factual record of the file access. 
( B ) XXXX  XXXX  wrote a letter on XXXX sent to my address, I quote, unable to approve your application at this time, because we could not verify the SSN you provided in your application against information we obtained from the credit-reporting agency. 
In the above case, XXXX XXXX is talking about Equifax making it appeared the banks preference is with Equifax. 

Correct me if I am wrong, but I question the above situations : ( A ) If a consumer releases limited Info excluding SSN, and if approve through a hard inquiry, that consumer can get credit cards, cars etc.? 

( B ) First of all, On XXXX, I never expose my SSN to anybody at XXXX XXXX, MI. Nor did I put my signature on a hard copy or online ( tablet/POS ) credit application. Also, if noting match/verify with credit-reporting agency, why did the hard inquiry appeared and drop off on XXXX and XXXX but still in Equifax system. In addition to the category ( B ), XXXX XXXX has had all my information in their database for years. Now all of a sudden, they can not receive varication with my SSN. I am confused. 

Equifax is the only reporting credit agency allowing an invalid hard inquiry to stay on my account causing me additional destress. Correct me if I am wrong but I thought the reporting credit agencies are supposed to be an advocate for the consumers who hold and protect consumer sensitive data. The resolution is to be an advocate for all consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Experian Information Solutions Inc.
State: OH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I enrolled at XXXX XXXX  using federal funds and scholarships. I let the university know that I could no longer start the semester. The balance was paid through federal loans and grants. I called the University concerning this several times. There was a balance due after I notified XXXX XXXX  of my student enrollment status. I received a notice from my student loan servicer from XXXX showing the loan was taken out.. I had no agreement with XXXX  XXXX XXXX  nor have I acknowledged that I owe them anything. However, this collection remains on my credit report. I do not owe XXXX XXXX  anything. I do not owe XXXX XXXX recovery anything. I do not agree with this debt collector 's actions to put this on my credit report. This also shows up as a student loan on my credit report. The only notice I continue to receive is a notice saying that I owe a balance. I have disputed this account with the credit bureaus with no course of action. I've submitted and mailed many documents to Experian, XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-30
Company: NATIONSTAR MORTGAGE LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold to Nationstar Mortgage  Servicing  2 months ago. Today I received a phone call from  XXXX . I was told it was Nationstar Mortgage and I was on a recorded lone. I was told it was a mortgage check up and I needed to verify my mortgage information. I asked " Is this a sales call '' the answer was " NO ''. the person told me to hold while he got a mortgage person on the line. When he returned to the call I asked why the call was coming from a  XXXX   XXXX  number and where he was located. He said  XXXX , Tx and he thought it was because it was an internet phone. He transferred me to  XXXX   XXXX   NMLS  ID  XXXX  who immediately went into sales mode. I stopped him asking him if it was a sales call or a mortgage check up verifying information. he said it was sales. I lectured him for a few minutes about them as my servicer can not " spoof '' a phone number and they can not deceive / lye about the purpose of their call. He defended it briefly then he said he would place me on a do not call do not send US mail list. I asked for his supervisor after he made excuses for the "  XXXX  '' phone number. He transferred me to  XXXX   XXXX  NMLS ID  XXXX .  XXXX  also defended the "  XXXX  '' area code number saying " if the guy is in  XXXX  he can not use his phone number ''. I  XXXX  the phone number it does not come up as ANYTHING remotely close to Nationstar.  XXXX  went on o say they had recently acquired a mult i billion d ollar portfolio of mortgages. I said then chances are Nationstar is breaking the law hundreds of times each day with they " verify mortgage info calls ''. I told him that several laws were being broken and I would be filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of 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 non-monetary relief
Consumer complaint received 2023-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an email that an unauthorized checking account had been opened at Bank of America. I am not a current customer of Bank of America but did have an auto loan with them several years prior. I called the bank and was able to have the account closed however I am concerned that they may be the ones responsible for the fraudulent opening of the account in the first place.

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 2021-07-26
Company: EQUIFAX, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax and XXXX are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax and XXXX since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Paypal Holdings, Inc
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 believe that it was a mistake to close my PayPal account. I am using my Paypal account for my freelancing. My paypal account : ( XXXX ) has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter 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 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I just received a notification from XXXX XXXX XXXX XXXX  and the balance that is owed is less than the amount shown on my credit report. I filed disputes in the past regarding this account and everything came back accurate. Also this lender opened this charged off account multiple times causing my credit score to drop. When they reopened the account with TransUnion, it added more than {$17000.00} to my open accounts balance damaging my score. I believe this company may have broken the 15 U.S. Code 1692 e 2 ( a ) and 9. Which states 2 ( a ) The false representation of ( A ) the character, amount, or legal status of any debt. And 9 which states The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. The lender must have given, you, the credit bureaus written verification of this debt showing the the amount and accurate dates which have been inaccurate for the past 4 to 5 years. Also the company created a false representation of the amounts due and the date the account was closed. Theres multiple errors with this account and they havent been resolved over the years. In addition to this, the last balance due on the transaction report the lender provided me is {$15000.00} on XX/XX/XXXX yet I received an email XXXX XXXX, XXXX stating I owed {$17000.00}.

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 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 USC 1681. 

PUBLIC RECORD : XXXX XXXX 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 take 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. The bankruptcy is under an address that does not belong to me. I have repeatedly sent in documentation and transunion refuse to remove. This is my final attempt for I have reached out to legal representation to file a class action lawsuit. I am 100 % sure this is taking place with other consumers and it needs to stop! THE ADDRESS THAT THE BANKRUPTCY IS UNDER IS DELETED FROM MY XXXX XXXX FILE I HAVE ATTACHED THE PROOF TO SHOW THAT XXXX XXXX XXXX XXXX, XXXX, OH XXXX WAS REMOVED BECAUSE I NEVER LIVED THERE.

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 2021-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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 have over 13 hard inquires for different companies ive never requested credit from ; Capital one financing Capital One Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Thaxton Investment Corporation
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:
For months I have requested that the credit reporting agencies complete a THOROUGH investigation on the following account and send me written confirmation of the method used to verify the information being published to them. They continue to certify that the information is accurate and verified by your company, however I can't help but to notice a plethora of errors remaining within my credit report including inconsistent information between all 3 bureaus when data furnished is from the same source so how can this be? The negligent errors reported within this account have caused issues within my household and are affecting my wellbeing. As a furnisher, there are rules and regulations you must abide by according to the Fair Credit Reporting Act. You are also in violation of FCRA 15 USC 1681eb. Since the account below is charged off as income, I should have received a 1099c regarding this account. I do not recall receiving this from you, but I do understand that you reported this amount as a loss. I will be requesting form 3949a from the IRS because from the reporting furnished to the credit reporting agencies, it seems you are trying to collect on an account that has already been paid. This is called tax fraud upon the IRS and you will be reported for such. I demand you to remove this item from my credit report and send the 1099-c so I can audit it to make sure you are in compliance. I'm quite sure your CEO OR VP would not want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation. COVINGTON CREDITXXXX XXXX I'm willing to cease taking this action if you simply stop reporting this inaccurate information to the credit reporting agencies. I am requesting that you reach out to the credit bureaus and let them know that this account is no longer being furnished to my credit report due to multiple FCRA Violations.

Company response to consumer: Closed with explanation