BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I started a credit card dispute on my well Fargo and it was for " balance paid in full '' about 25 days ago and on XX/XX/XXXX my well Fargo credit card account was removed from my credit report and I called well Fargo and explain that I never wanted my credit card and there was glitch on XXXX report or well Fargo made a mistake to have my account removed and I was told that I need to put it in writing which I refuse to do because I don't know what to put down ... not its not reporting on XXXX and XXXX and well Fargo is unable to honor my request ... I WANT THIS ACCOUNT ' REINSERTED BACK ON MY XXXX AND  XXXX  CREDIT REPORT ... 

ACCOUNT NUMBER WELL FARGO XXXX XXXX XXXX THIS ACCOUNT HAS BEEN OPEN SINCE 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 2023-10-16
Company: Netspend Corporation
State: SC
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I bought a NETSPEND WesternUnion WU Debit Card from XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX SC XXXX phone : ( XXXX ) XXXX for the amount of {$45.00} dollars on XX/XX/23, Card Description : NETSPEND WesternUnion WU, Card Number XXXX XXXX XXXX XXXX, XXXX XXXX, the card is issued by XXXX XXXX XXXX Member FDIC License by XXXX. I called WesternUnion Customer Care Service twice at XXXX and they said they could not help me register my card nor did they cared to try to identify me said the XXXX XXXX XXXX didn't activate the card claiming that the store has a WesternUnion Representative which sounded like a bunch a of XXXX. The WesternUnion app would not register a user name and a password for me and I called WesternUnion Customer Care Service a 2nd time and got absolutely no where with those inconsiderate reps to help me resolve this problem of registering the card, when a customer pays for service of a product that's worthless is thef, so this is why I'm filling a complaint.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-21
Company: W&A Intermediate Co., LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
They do not legally own this debt and I do not either so remove because that means this account is not 100 % accurate on my credit report by consumer law my credit report is to be 100 % accurate at all times or Violation fees of {$1000.00} per violation can be served.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: Law Office of Harris & Zide
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
In XXXX I sought legal counsel and hired the XXXX XXXX  XXXX XXXX XXXX after having been served with a Civil Complaint by Harris & Zide. I requested that my attorney verify the debt and, if verified, have her negotiate settlement of the debt to resolve the lawsuit. My attorney sent a letter to them informing them that I was represented by her firm and served them with her Substitution-of-Attorney form. Since substituting in to represent me, my attorney has been in regular contact with Harris & Zide for settlement negotiations and has exchanged settlement offers with them. On XX/XX/2019 & again on XX/XX/2019 my attorney sent a letter requesting proof of the debt be provided her within three ( 3 )  business days, inclusive of the original contract and the last billing statement reflecting the final balance owed. In said letter my attorney pointed out that the Complaint had no relevance to prove the debt was in fact my obligation. That proof requested was never received. Harris & Zide is now ignoring my attorney and has refused to respond to her. Harris & Zides actions are egregious and should not go unpunished they have a duty to respond to resolve the pending matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: FL
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I'm contacting you and your companies because my identity has been stolen and compromised inwhich fraudulent accounts been opened and closed in my name and I'm demanding that these accounts be removed and blocked from my credit file. What Method of Verification was used within your reporting system in order to process these accounts. Please remove these accounts immediately. 

1 ) XXXX XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX/ DEPT Of ED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have been paying extra on each monthly payment to lower my principle balance. The company isn't applying the payments correctly. They continue to lower my upcoming monthly payment by the extra payment amount. Eventually, I would skip a payment using their method because the monthly amount continues to lower each month. However, the extra payments should be applied to the outstanding balance, lowering the total amount owed on principle. My monthly payment would remain the same if they were applying correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: CA
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:
This complaint is directed towards XXXX, Equifax, and XXXX XXXX as a follow up. I am submitting to formally report an incident of identity theft that has had a significant impact on my credit reports. I conducted research on the procedure to remove the unauthorized inquiries from my credit report. It has come to my attention that I need to submit an identity theft report as part of the resolution process. I am aware that under FCRA Section 605B ( 15 U.S.C. 1681c-1 ), the Credit Reporting Agencies are legally obligated to promptly remove any entries associated with an identity theft report. Kindly refer to the documents I have attached to facilitate the process of blocking and deleting the inquiries that were posted on my report. Below is a list of the unauthorized inquiries that I have seen reporting in my credit reports : XXXX : XXXX XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-03
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I tried to withdraw some of my virtual currency that was purchased on and stored at Binance.US. Thats when the Binance platform informed me that they froze my entire account due to risk management. Apparently, a month earlier, there was a small chargeback from my bank ( which i now fixed ). 

Binance threatens to misappropriate all of my funds. They are now holding the entirety of my {$31000.00} of funds hostage. There is no recourse of any kind, no phone or email access, and no way to reach them. 

I submitted multiple tickets to customer support. I followed their required painstaking steps of recording myself on a video, holding up my drovers license, and reading the message they require. Nothing changed. Im one of many, many customers in the same situation. We voice our concerns on XXXX and XXXX. But Binance has ignored us all. 

They are either using our virtual currency for their own staking and trading purposes. Or they plan to defraud and steal from us all. I feel helpless. These were all my savings. It is clearly unlawful to restrict the users access to their own funds under pretext. 

Please help me get through to them and cease their unlawful practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: NCB Management Services Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am having an issue with NCB XXXX XXXX. They say I owe {$3700.00} From a company called Rise XXXX of California. I don't know what this is, I have never had credit or a loan with this company. 
I have been disputing this with the 3 credit agencies for a couple of years now, I keep getting the answer " Verified as accurate ''. Who verifies this information? It is NOT accurate, I keep saying this but nothing is done. They believe the company over me? Really? I mailed them a letter of validation on XX/XX/2021. I have asked for proof, I get a letter that says " We are unable to substantiate the allegations of this dispute '' I called once, I spoke to a very RUDE lady, she wouldn't tell me anything, she asked me for a SSN, I told her I would not give it to her, she should have it on file. I asked her to give me a different option to verify myself, she wouldn't. I asked her to mail me proof, she said I would get court papers in the mail, I told her FINE. I have never seen anything. I dont know what to do now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit reporting, credit repair services, 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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction Exclusions. -Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-20
Company: EQUIFAX, INC.
State: FL
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Genesis FS Card Services, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In accordance with the Fair Credit Reporting act XXXX violated my rights. Account opened XX/XX/2022. U.S.C section A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX at XXXX, I received an email from bank of america ( BOA ) stating that my " ATM/debit card may have been part of a compromise at an undisclosed merchant. '' I promptly checked my checking account later that morning and noticed three, consecutive, unauthorized ATM withdrawals of {$300.00}, totaling to {$900.00} of unauthorized transactions that occurred on XX/XX/XXXX ( of the present year ). I promptly contacted BOA later that morning to dispute the charges as a fraudulent transaction. On XX/XX/XXXX, BOA gave my account a temporary credit of {$900.00}, along with sending a new debit/ATM card. On XX/XX/XXXX, BOA stated that they were reversing the credit, stating that " The charge was authorized by you or made by someone who has permission to use the card or account. '' The " research '' their team used was " the information you provided with your claim, your account history, the monthly account statements we sent you. '' This investigation was not done wholeheartedly nor in good faith, and I find astounding that a bank would notify someone of a potential compromise then hold them responsible for their own ( BOA ) failings. For reference, this is not the first time that my BOA debit card has been compromised.

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 2019-06-19
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I just received a phone call telling me I had a XXXX debt that needed to be settled by the debt collector calling me. He stated his name was XXXX XXXX from diversified consultants inc. phone number XXXX and would not give his physical address but a XXXX XXXX XXXX XXXX XXXX TX XXXX. XXXX confirmed that I actually have a credit on my account and a quick XXXX search shows others stating fraud from this company. Also gives a physical address of XXXX XXXX XXXX XXXX # XXXX XXXX FL XXXX. 
This person told me I would need to settle this debt through him and give him my credit card number to do so. If not I would be reported to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Today, XX/XX/2023 a distant family member contacted me to inform me that fifth third bank called to speak to me. This family member was at work and I do not have communications with often. We were both shocked because this distant family member is not listened on any of my information. This company also did not even call me. How are they reaching out to distant family member but never reached out to me? I feel so violated because they shared my personal information with a random person that I do not even have a relationship with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
TransUnion deleted my XXXX  XXXX XXXX # XXXX in XX/XX/XXXX. I contacted TransUnion by phone on XX/XX/XXXX, and they said XXXX XXXX XXXX was the problem. I contacted XXXX  XXXX XXXX by phone the same day ( XX/XX/XXXX ), and they sent a letter dated XX/XX/XXXX, stating the account is being reported to file. I submitted a certified letter to TransUnion dated XX/XX/XXXX, asking them to reinstate the XXXX  XXXX XXXX account to my credit report ( attached ) based on the XXXX XXXX XXXX investigation results. TransUnion responded by deleting XXXX  XXXX XXXX # XXXX and XXXX XXXX # XXXX from my credit report ( resolution letter attached ). 

I am requesting assistance with reinstating the following accounts to my TransUnion credit report : 1 ). XXXX XXXX XXXX # XXXX ; 2 ). XXXX  XXXX XXXX # XXXX ; and 3 ). XXXX XXXX # XXXX. 

If you need any further information, please let me know. Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-07
Company: Experian Information Solutions Inc.
State: NY
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:
i was checking my score for accuracy and came upon accounts that are fraudulent that i did not authorize on my credit report i was advised to fill out this form one of the steps of action 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 2023-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
The person that owns XXXX XXXX in XXXX NM has formed a group of people that have been stalking harassing and completely ripped us off I have XXXX different quotes for the car he lied saying on the XXXX and was a clean title wrong it was wrecked said we had great warranty lie warranty was used for the wreck he became my XXXX  wanting the XXXX titles back along with the forged papers that he signed my husband 's name then had a bunch of XXXX  mess with it it was getting fixed more than me driving it he wouldn't trade the car back before the XXXX to XXXX miles he had some one XXXX XXXX get my husband fired then hit my car at a Red light a guy XXXX XXXX with XXXX got a guy XXXX Total it his buddy the XXXX XXXX XXXX XXXX in XXXX nm got XXXX sell our truck that we took in XXXX and haven't seen it since I was told that they parted it me and my husband got over XXXX XXXX  stolen both vehicles gone and left homeless broke and no vehicles we have been having to walk everywhere my husband is really sick right now not working because of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX from XXXX NM I don't even know these people but the harassment is unbelievable until this day still going cause taking our life away isn't enough now there tearing up and breaking into my XXXX  house making a stupid movie about this I can't even make this up who does this to people

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Wells Fargo was complying with a judgment to withdraw funds from my bank accounts. With no knowledge of this action, I transferred money out of my account to pay off another debt. Wells Fargo then withdrew funds from my checking account putting me into an overdraft situation, forcing me, without my consent, to become a debtor to Wells Fargo. I informed them immediately so they could reverse the action and not send funds to the Sheriff since those funds were not available. They would not or could not do anything about this and simply started threatening me to pay this overdraft amount of {$20000.00}. Since I could not pay, they have taken the steps to close all of my accounts including two which receive government assistance ( SSA ) deposits. They have said the accounts would close by XX/XX/ 2022 and SSA will not redirect the deposits to another account until XXXX. Additionally, an automatic deposit that was intended to pay other bills went into the overdrawn account and I could not get access to those funds.

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