BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-26
Company: Rosebud Economic Development Corporation
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a loan and paid back all principle. I then had the Wisconsin Dept of Financial Affairs tell me they are not licenced in WI. I started payment plan, and paid another {$150.00} and then canceled the agreement of {$600.00}. They say they are part of the XXXX XXXX, they do not reside on their land and are only affiliated with XXXX XXXX. Their practices are wrong and misleading. Why do they not have to follow the laws, but others do? It says XXXX XXXX is on the reservation, but then does business as Zocaloan? Why a different name? Because Zocaloan is not on tribal land. See their loan description .... 

The words you and your mean the borrower who has electronically signed it. The words we, us and our means Rosebud Lending LZO d/b/a ZocaLoans. We are a sovereign enterprise, an economic development arm and instrumentality of, and wholly owned and controlled by, the XXXX XXXX XXXX ( the Tribe ), a federally recognized sovereign American Indian Tribe. All disclosures in this Agreement are also terms and conditions of this Agreement.

This is from Website ... 
ZocaLoans loans are designed to assist you in meeting your emergency borrowing needs. Rosebud Lending LZO is the tribal lending agency of Rosebud Lending, a subsidiary of the Rosebud Economic Development Corporation, an economic development arm and entity of the XXXX XXXX XXXX, a sovereign nation located within the United States of America and operating within the Tribes reservation. Rosebud Lending does  business as ZocaLoans. 
ZocaLoans does not lend in all states. 

Id like to find out their physical address and not PO Box . There were many of these places sued in California for doing this exact same thing.

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 2023-01-21
Company: CENTRAL BANCOMPANY, INC
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In late XXXX of XXXX I opened a checking account with Central Bank because of a promotional offer that they were running. After opening the account, I received an email from XXXX XXXX from Central Bank stating that they needed more information about the promo code that I used. He explained at the time that I opened the account, the entire promo code did not get copied over to the account. All that was copied over was XXXX when the entire code was XXXX. During our email he stated Thanks XXXX, that is exactly what I needed. The entire code didnt get copied over with the account and emailed me the fine print for the offer. The bank is not honoring their word ( or terms ) and saying now that they will not honor the promotion, nor switch the promotion to the code that is on their website because they suspect that I got the code from unauthorized 3rd party website, however the terms of the offer do not state of such limitations or restrictions regarding the offer. XXXX XXXX at the XXXX, KS Central Bank Location called me at XXXXXXXX XXXX on XX/XX/XXXX to tell me that I am not eligible for the offer even if I complete the terms because the employee, XXXX XXXX, ( that emailed me on XX/XX/XXXX and told me that the code is exactly what [ he ] needed and sent me the terms to the offer ) believes that I got the code from a unauthorized 3rd party website.

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 2023-05-15
Company: Comerica
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Comerica Webbanking service has said it is Undergoing Maintenance since I attempted to use it around XXXX XX/XX/XXXX and is still down as of XXXX XX/XX/XXXX. They have provided no update as to when we can expect to gain access again, what the reason/cause is, and if this was planned or unplanned. 

All customers seem to be affected from the numerous users reporting the same issue on XXXX. Comerica put a XXXX XXXX post XX/XX/XXXX on XXXX, with no mention of the problem and has failed to respond to the numerous replies on their post complaining about it. There is nothing on there site or any information available on this anywhere. 

In addition, calling their phone line to check balance yields the same result, saying balances are unavailable. Nearly everyone in the country has a majority of the bill payments and scheduled withdrawals around the XXXX and XXXX of every month. It is now the XXXX and I have had no access or availability to my current funds to know if I have the balance needed to cover for these scheduled payments. 

As someone who makes several daily withdrawals and deposits of all sizes, with several bank accounts that I transfer funds between. This issue could easily put me into overdraft or into loop of reversals adding up to hundreds of fees. This is affecting me critically and lack of information from Comerica has been totally irresponsible and damaging.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Transunion and XXXX are not reporting accurate information about me, violating my privacy rights. I never gave permission for anyone to access my private records or share this information. I demand that you remove the incorrect items from my consumer file immediately. Sharing my information without consent is identity theft, which is unlawful. I demand Transunion and XXXX to remove inaccurate, unverifiable, and fraudulent accounts on my credit report 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 2023-01-15
Company: Bread Financial Holdings, Inc.
State: ID
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:
Filed a dispute with XXXX about an account that was reported delinquent XXXX months prior to it existing, and despite their own report showing that exact information they did not fix it when I reported it. I submitted a dispute XX/XX/XXXX, and received a XX/XX/XXXX that did not correct my report and did not change anything. I filed a dispute directly with the company and I am still awaiting results from them. My reports verifies that my account was opened in XX/XX/XXXX, however it was reported delinquent from XX/XX/XXXX through XXXX of XXXX despite the account not even existing during that time frame.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Traded in a vehicle and requested a refund for gap insurance and never received it. This occurred with 2 vehicles finance through Wells Fargo. I would like to get a refund on the gap insurance for the 2 vehigoes. One was paid off and 1 was traded in.

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 2021-03-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XX/XX/XXXX I sent my first dispute letters to all three bureaus ( XXXX, XXXX, and XXXX ) requesting validation/ verification for the following two Portfolio Recovery accounts ( XXXX and XXXX ) be investigated because these accounts are not mine, inaccurate, and fraudulent activity and to delete from my credit report. 

Following my dispute letters XXXX  removed the two accounts from my credit report. XXXX and XXXX continued to report inaccurate information. 

XX/XX/XXXX a letter from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA was hand delivered stating I had court XX/XX/XXXX. On this form it states " For Service at a New Address '', the first summons was sent to my mother apartment in which I never lived. 

I attended court on XX/XX/XXXX requesting trial because these accounts are not mine, inaccurate, and fraudulent. I was appointed a new court date for XX/XX/XXXX XXXX. I was then mailed additional information at my mother apartment Notice of judgement. Attached will be documentation ( exhibit 1, exhibit 2, and exhibit 3 ) supporting all claims above. 

Portfolio Recovery Associates is violating my consumer rights and never provided validation or proof that this debt belongs to me. Falsified documentation and purposely sent mailings to an address that is not mine so I can miss court dates ( please see exhibit 1, exhibit 2, and exhibit 3 for supporting my claims. ) Furthermore XXXX, XXXX, and XXXX  are liable for violating FCRA 15 usc XXXX. 

I have never received communication from Portfolio Recovery Associates stating they have purchased my alleged debt. The first communication I received were judgement papers this violates FDCPA 15 usc XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: GMA Investments, LLC
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Over my voicemail I have gotten the following illegal threats " We're going to have to start getting meaner if you don't pay up '' " Call us to discuss the bank draft you approved '' ( which I did not ) " Just do the right thing and we won't have to tell your boss about your debt '' I work as a 3rd party collection agent. These are NOT ok to say to anyone while attempting to collect a debt. 

I just sent off a cease and desist letter to their mailing address as well as email address. I informed them to only communicate in writing as of XX/XX/19 but apparently the debt collection laws don't apply to them as far as they are concerned. 

To my shame I've deleted all but one of the voicemails. They have never once identified who the debt is for and the one time I spoke to a person and asked them to stop calling me, the man on the phone was screaming at me rather harshly about being a 'deadbeat '. 

Please see my XXXX Complaint about this issue, and the many many others they've threatened and harassed despite being asked to stop.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-01-21
Company: Experian Information Solutions Inc.
State: AR
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:
ON MY CREDIT REPORT THE CREDIT COMPANIES HAS THE ACCOUNT AS CHARGED OFF, I ASKED THEM FOR 1099C DUE TO THEM CHARGING THE DEBT OFF ON THEIR TAXES. 

XXXXXXXX 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 explanation
Consumer complaint received 2023-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted listed below : XXXX Inquiry Date : XXXX, XXXX  Dept of Interior XXXX Inquiry Date : XXXX, 2023 XXXX Bank Delaware Inquiry Date : XX/XX/2023 XXXX XXXX XXXX Inquiry Date : XX/XX/2023 2023

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 2021-03-04
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hi, First I am scared, frustrated and XXXX XXXX on the issues I am having today with Coinbase.

My account was compromised and {$7500.00} was taken from my bank account and transferred to Coinbase. I tried to get into my account and I couldn't because my old phone number not sure how but it was still on the website. I called up Coinbase and their customer service is non-existent and it is automated messages to say your account was compromised and no real customer service. Their emails are just automated messages to shut you up and " try '' to help.

I had to text my old number embarrassingly for the code. Once I got in, there was no money and everything seemed to be wiped clean. There was no transactions on the account and I couldn't do a thing. 

So, I filed a claim with XXXX and they sent my complaint out. After a few days I got a reversal of {$7500.00}. I thought great my money is back and it's solved. One day later, Coinbase emailed me and said I owed them {$7500.00} I'M AT THE BREAKING POINT, THERE IS NO ONE TO CALL ON COINBASE AND I'M JUST FRUSTRATED. I BEG OF YOU TO PLEASE HELP ME. 

I have all the documentation and I just want to talk to someone at coinbase. I just get endless lies of a " specialist '' coming to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am having a dispute with the title company. The title company made the payout directly to the lender. I asked that the money not be applied because I am disputing the amount paid. Wells Fargo applied the money to my mortgage and refuses to reverse the transaction. Wells Fargo applied the money to the principal and interest. Again, Wells Fargo refused my request to at least apply all the money to the principal. I requested that a supervisor call me back and have yet to hear from anyone.

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have been charged multiple multiple overdraft fees when there was clearly money in the account. This apparently has been an ongoing issue with Wells Fargo Bank and its account holders. I have been with them for many years and never had an issue until a few years ago. Many fee charges were charged to my account incorrectly and my money was taken when my account was very visibly funded and not in fact overdrawn by any of the transactions that they showed overdraft fees being charged for.

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 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. They list of accounts below has violated my protected consumer rights to privacy and confidentiality under 15USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 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 the records of conviction of crimes which antedates the report by more than seven year.

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 the information is inaccurate.

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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : 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 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 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 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