BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-27
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
I had a stellar credit report for 30 years but recently my open debt mounted. Suddenly XXXX XXXX and other credit cards cancelled credit card accounts that were in some cases XXXX XXXX XXXX and were not delinquent. My complaint is that I paid off these debts as soon as I could and in complete within a month or two of these cards closure. Now they show as settled accounts. But settled accounts implies I paid less than what I owed or I used an agency to negotiate on my behalf. I actually have always paid my debts in full. I do not want any credit agency to reflect that I do not pay my debt and I want to correct the record. I am an upstanding citizen and my wife and I are XXXX. Please help correct my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
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:
This is the several times I've complained about the inaccurate Items. Below the listed Items that need to be update or fixed. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-10-29
Company: Early Warning Services, LLC
State: NY
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 account will be frozen all weekend without my XXXX due to Early warning services LLC I have no idea who this company is or what it is about but for them to not be available on weekends for anyone to rectify whatever the issue is RIDICULOUS. Now I have to sit the whole weekend without access to my account because of whatever is going on with this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have sent out plenty of letters and emails to companies requesting information to be removed and updated yet no one has done anything. I have also tried to work with these companies myself to come to some sort of resolution to no avail! These things are interfering with my ability to move forward and its really frustrating! I have been irresponsible before as we all have but I really want them to correct these issues and let me go about my life!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : 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 2023-08-02
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is the several times I've complained about the inaccurate Items. Below the listed Items that need to be update or fixed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: CCS Financial Services, Inc.
State: GA
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:
XXXX COLLECTIONS are requesting a payment of {$160.00} due to collections which is illegal and wrong.

Section 809 ( a ) of the FDCPA requires that within five days after the initial communication with the consumer in connection with the collection of any debt, a debt collector must provide the consumer with a validation notice.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: MARINER FINANCE, LLC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
Back in XXXX I have attempted to make online payments to mariner finance they had gone into a update fine. I later attempted to make my payment it didn't accept the payment there was a error on the page and said it couldn't process payment at this time I did send them a message notification about the issue with the site and nothing was done they called my work in a effort for what ever intimidating me. They call every day and now they sat I can't make a payment unless it's current which doesn't make sense. As you can see towards the end of XXXX it was trying to get me to skip payment but it wouldn't allow me to make a payment. And the attached screen shot of the communication today is unheard of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi I opened an account with Wells Fargo about two weeks ago, I had a friend who physically wired money owed, total was {$40000.00}. Wells Fargo representative reports the transaction as fraud, the money can not be fraud as I have proof of the physical wire sent by the sender. Wells Fargo representative says its a fraud transaction & the sender has requested for a recall. I have spoken with the sender and the banker who made the transfer. The funds were shown available and is still avail with wells Fargo charging me fees for the wire transaction, I was able to make purchases and transfers, wells Fargo has considered this transaction fraud, when I spoke with my legal representative he advised stating " that a fraud transaction is when the sender is unaware of the funds being sent, if the sender did change their mind. They can not state its fraud & ask for a recall, while a Wells Fargo banker named XXXX had helped her to make the wire transfer physically at the branch ". Currently Wells Fargo rep states that they reversing my funds, I need to escalate the matter, as the funds still show available in my account and I have no access to them as they state they are closing the account due to fraud, this is not fraud as I have attached the documents and have recorded calls with XXXX when she confirmed, that the money has been sent. I'm helpless at this point as I have no other account and have arrangements that need to be cancelled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act DEPT OF ED / XXXX Account # xxxxxxxxxxx XXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-29
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
For much of XXXX and XXXX, I paid my $ 8500 monthly rent to my landlady, XXXX XXXX, via XXXX, in XXXX payments of {$3500.00}, {$3500.00}, and {$1500.00} ( {$3500.00} is XXXX 's limit per transaction for any XXXX period ). On XX/XX/XXXX, my second payment of {$3500.00} went through, and I have XXXX digital proofs of payment, including a text message from XXXX saying that she had received it ( see attachments ). Then, a few days later, she wrote to tell me that her bank ( OneWest ) had been taken over during that same weekend by First Citizens Bank ( see the bank 's letter of XX/XX/XXXX ), and that First Citizens had blocked that XXXX transaction, but that they would be reverting the {$3500.00} to me. I had XXXX three-way conversations with a representative of First Citizens and XXXX between XX/XX/XXXX and XX/XX/XXXX. In the first, the representative said it was returning my money to my XXXX XXXX XXXX  account via an ACH, and that money would reach my account in XXXX business days. In the second, the representative insisted that the issue was out of First Citizens hands, and that I should have the XXXX XXXX XXXX " open an investigation '' into the affair. Following that, I learned from XXXX that First Citizens insisted that the {$3500.00} should have automatically bounced back to the XXXX  XXXX XXXX ( see XX/XX/XXXX text message ). 
On XX/XX/XXXX, XXXX XXXX, the attorney I had originally engaged for this case, provided me with her transcript of a phone conversation she had with XXXX XXXX XXXX, a representative of First Citizens Bank ( see attachment ). According to XXXX XXXX, the {$3500.00} would be refunded into XXXX XXXX account and that she will need to pay you back. ( XXXX has constantly maintained that the amount has never been credited to her account. ). However, XXXX XXXX also told my lawyer that XXXX informed the bank that they would actually refund you the money within XXXX business days because they regarded it as a XXXX reject since the money was not received. However, the bank found out later that XXXX did not do this. 
On XX/XX/XXXX, I filed a request with the XXXX  XXXX XXXX to recover the {$3500.00}. The XXXX  XXXX XXXX representative with whom I filed the request told me that the bank would open the case within XXXX days, and provide me with a resolution in the 45 days that followed. Those XXXX phases of the banks investigation are documented in the attached notices, the last of which, dated XX/XX/XXXX, denied my claim for reimbursement of the {$3500.00} lost between it and First Citizens Bank on XX/XX/XXXX. I am therefore requesting assistance from the CFPB for the return of the {$3500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Experian Information Solutions Inc.
State: WA
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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please Delete. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

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 explanation
Consumer complaint received 2022-10-29
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: Information belongs to someone else

Complaint:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$19000.00} ; XXXX XXXXXXXX Balance : {$410.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX, CA XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On Friday, XX/XX/2013, I walked up to an ATM Machine located inside the XXXX XXXX XXXX in XXXX XXXX, XXXX. I inserted my Bank of America debit card, clicked Balance Check " on the screen '' The balance was {$62.00} and change. 

Then I decided to withdraw {$50.00} because the fee was {$6.00}. So, I authored everything. The print out reflected Available Balance {$6.00}. ( See image ). Then I went to XXXX XXXX, and bought toilet paper and paper towel for {$2.00}. That's the ONLY transaction I made. 

Yesterday, XXXX, I went back to the same ATM late at night, around XXXXXXXX XXXX to check my balance on the screen. I wanted to know if XXXX had refunded {$38.00} of double billing ; and can you believe the screen reflected NEGATIVE XXXXXXXX XXXX and change. How can that be? My account does not have over draft protection. The ATM fee was removed up front the same moment I withdrew {$50.00}. So, where is the negative balance coming from? 

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 monetary relief
Consumer complaint received 2023-01-13
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
The company constantly restricts my account from making withdrawals without legitimate reason after I have repeatedly verified identity andet all requests. Over and over again Coinbase wait until XXXX  is added to my XXXX  and then decides to inform me that my account is restricted from making withdrawals. However, they don't disclose the reason and I feel it is an abuse of their authority because they don't restrict deposits from being made to account that they are having suspicion with, only when consumer tries to withdraw. After making simple change such as updating an email address or anything. I have had my account restricted over XXXX times in the past year for doing nothing simple transfers that I am allowed to make. Today, again after sending a small purchase of XXXX  of {$9.00} on XXXX XXXX to my coinbase account it was accepted then I go to withdraw the XXXX  payment to another account and it says I'm again restricted. I have spent hours on the phone with customer service, sent countless emails explaining my issues and yet they continue to restrict my account and place holds for no reason. I ask them if it's identity issue then why is then restriction not removed immediately after I've supplied all the details. They say it has ti be escalated and provide no transparency to the account owner about the nature of the issue. They cause issues with my related debit cards and various XXXX  I link anytime they restrict my account and sometimes cause issues with me being locked out of those accounts as well which create havoc when I'm trying to handle business day-to-day. I am sick and tired if this type of treatment and feels unjustly harassed by this large corporation thag feel they can mishandled customers XXXX funds, data, and private information at their whim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Macys act XXXX Orally gave my account information and it was never used to deduct from autopay. Dsiputed and tried to fix the problem and never resolved.

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 2023-08-02
Company: Experian Information Solutions Inc.
State: NE
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

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 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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