BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2021-01-01
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
It started with a solicitation through discord that BTC was available through redemption Then I was informed that I would need to activate the account, then activate a separate cryptocurrency account, pay an unknown federal tax, then deposit additional funds to pay another exit tax The dates are below XXXX First send of XXXX BTC XXXX " Premium '' Account Activation fee of XXXX sent XXXX First attempt to pay " Federal Tax '' of XXXX sent XXXX Second Attempt " Federal Tax '' amount XXXX sent XXXX Third Attempt XXXX XXXX Fourth Attempt XXXX XXXX The freeze is allegedly lifted with a payment of XXXX XXXX First attempt to pay exit fee XXXX BTC XXXX Final attempt to pay exit fee XXXXBTC I am then informed that there needs to be another deposit made on XX/XX/2020 Complaint is subsequently filed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Refinanced my home too pay-off credit cards. all credit cards were sent cashiers checks and all but USAA took payment and closed accounts as requested in a few days. The first cashier check for {$8300.00} mailed by priorty mail on XX/XX/2019 and delivered and signed for by XXXX on XX/XX/2019. XX/XX/2019 I called USAA and they denied receiveing. I called title process company XXXX and they cancelled and re-issued a new check as per USAA agents precise directions overnight. Again signed for by XXXX. called USAA XX/XX/2019. They stated 10 business days too process the bank cashiers check extending the process until XX/XX/2019. I called XX/XX/2019. XXXX EXTXXXX executive resolution team confirmed the check was received but not processed and all not processed checks were immediately returned too sender. XXXX had not received the check back. XXXX the original processor again called USAA and Again cancelled and mailed another with the same information by overnite priorty mail. I count a minimum of 38 days past that USAA is charging 16.5 % on {$8300.00}. That check was issued by the re-finance for {$8300.00} when the the actual payment turned out too be {$8000.00}. I yet have no reply from this criminal USAA operation. 4.5 % is also being pd too refinance loan too on {$8300.00},

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-08
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
When XXXX XXXX XXXX can't honor their own warranty and XXXX XXXX  to replace a phone. It's on XXXX XXXX XXXX not the Customer. ERC XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX is a Fraudulent company that has already ruined my credit and refused to work with XXXX XXXX XXXX. XX/XX/2021. ERC was reported to the IRS for Felony Wire Tap Fraud and Embezzlement Charges. FCC Was contacted. FBI contacted. Reference # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
The credit bureaus have inaccurate information on my credit report and I want it removed immediately and they did not get back with me in 30 days which they have to do by law according to the FRCA.

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 2022-07-12
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Wells Fargo XXXX credit card account was opened in my name on XX/XX/22 and used the same day without my knowledge. I have learned when I receive the welcoming package for this fraudulent credit card on XX/XX/22 and went in person, on the same day, to the Wells Fargo Bank at XXXX XXXX XXXX XXXX XXXXXXXX XXXX to show letter and cancel this XXXX account immediately. The manager contacted Wells Fargo Fraud Dept that close the account in the system. On XX/XX/22 i received the XXXX credit card bill of {$710.00} ; account I did not open and trusted it was cancelled as fraudulent one month ago, and at the same day, I contacted XXXX credit card to confirm this is a fraudulent account and it was supposed to be cancelled in the system. I was transferred to the Fraud Dept at Wells Fargo, which open the cancellation # XXXX and did nothing else ( I thought this was done on XX/XX/22 when I went in person to the Wells Fargo Bank ). On XX/XX/22 I received again the XXXX credit card bill to be paid by XX/XX/22. On XX/XX/22, I called XXXX Wells Fargo credit card again and was transferred this time to the Wells Fargo Executive office that issue case # XXXX. They guaranteed I will not get more bills. On XX/XX/22 I received a letter from Wells Fargo Collection stating that " my credit card account remains past due '' - it is attached for your reference. On XX/XX/22 I called the number on the letter that is the Wells Fargo Collection Dept that knew nothing about Fraudulent account and transferred me to the Wells Fargo Claims Dept, which asked my information that Wells Fargo possibly does not have other than my name, address without apt number. I refused to give that person on the phone my social or date of birth. She got rude and it was so upsetting to me that I needed to hang up. Wells Fargo Bank N/A has all the recordings of my calls and it should be taken care of it and nothing has been done. The Wells Fargo bank has been dragging this {$710.00} bill ( actually currently {$740.00} ) for 3 months! This is really not acceptable and this bank needs to respect our time and do the correct action. This bank should close as customer service is not in its priority list.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: Sequium Asset Solutions, LLC
State: CA
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: Investigation took more than 30 days

Complaint:
XX/XX/2023, {$200.00}, Sequium Asset Solutions reporting inaccurate information to the credit reporting agency and this need to be remove immediately. This need to be remove from transition, XXXX and XXXX. 


There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable. 
Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Your organization neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy.

I request you to give me a piece of evidence that the information which is being reported has been properly investigated. Also, provide us with the details of the system adopted by your organization to determine whether the transaction took place or not.

Further pursuant to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I hereby demand to do the following ; _______________ Thank you for your cooperation Sincerely______________

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I bank with Chime, a division of XXXX. 

After sending {$18.00} to my mother through XXXX ( her account is named XXXX XXXX, she rents out her property in Hawaii, her house is # XXXX in XXXX homes in XXXX, Hawaii ). 

Previously, Chime charged me twice for taking out {$160.00}. I called them about it multiple times, they stated it was an ATM adjustment since the ATM did not charge properly. They have now refunded it, locked my account and will not talk to me about it. 

I frequently use ATMs to pull out cash and never have I been questioned. I can not access my funds, my paycheck was denied and my stimulus due to the suspension. I have rent due, I need food and my electricity will be shut off. 

Chime keeps requesting my social security card which I have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a dispute letter to the credit bureaus disputing this negative account which is not mine and the collection agency sent me a letter requesting information to verify my identity I sent a copy of this letter to the credit bureaus along with my identity information

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 2022-08-10
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a written documentation on XX/XX/2022 and have called several times prior to this written documentation. I sent a follow up formal notice on XX/XX/2022 after no response or acknowledgement. No one has followed up and today I am being told by representative that it will take 90 days at least to resolve the dispute and it is frozen. I have advised them that their inaccuracies and billing error is causing significant delays in my ability to use my credit effectively and they are advising that there is nothing that they can do. 

No one has been able to provide suffice documentation or verbal assistance and I have waited over 60 days to get this resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-12
Company: National Credit Adjusters, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am having trouble believing that an investigation was done regarding an account I disputed with the credit bureaus. There was a personal statement on my credit report acknowledging that the account was disputed, but I have yet to receive anything validating this account. The account that I am requesting to be deleted is NATIONAL CREDIT ADJU. I've never had an account with this company. The original creditor is not listed on my credit report, so I am asking for the deletion of this account. Another report lists a different company as the original creditor which I have already set up payment plans so I am confused as to why NATIONAL CREDIT ADJU is reporting anything. The balance is not even the correct amount that is showing on my credit report. I am demanding the removal of this account until further investigation is done. Please provide the original contract where it includes NATIONAL CREDIT ADJU as the company to remit payment to. Also inform me of the amount of which the debt was purchased. If you can not provide this information, please remove this permanently from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX Card Dpt Ed/XXXX I XXXX unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

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 2019-08-25
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2023-11-09
Company: BAY COUNTRYCONSUMER FINANCE,INC.
State: MD
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
Bay Country Finance is a company that officers personal loans with collateral ( title ). I have been had this loan for about two years to get repairs done to my car. They charge surcharge fees to process payments using a debit card. It is {$12.00} per card transaction to pay the loan back. Example, loan is {$200.00} per month, I am being charged {$210.00} to process using my debit card. They provide an option to come into the store to make a payment but both locations are 30 mins away from me. I dont think this is legal or should be illegal.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Delays in the application process

Complaint:
Went to XXXX XXXX. Pa XXXX pnc bank branch with my aunt to apply for a XXXX loan on XX/XX/2023. My aunt came with me to Co sign. Submitted our paperwork to loan officer. XXXX XXXX and she started the application process. Didn't hear from her for a month. She said she was on vacation and then requested more paperwork. We Submitted that to her. Waited a few more weeks and heard nothing. Messaged her multiple times. Finally got a response on. XX/XX/XXXX. She said the loan processor accidently closed the loan and that she had to redo it and submit it again. Also home appraisal came back super low with horrible comps with whatever program they use to get the home appraisals. I told her that I will pay to get a professional appraiser to do the appraisal. She said that it didn't work that way. She said she had to get approval from the underwriters for a professional appraisal. Again messaged her multiple times to see where we are with the process on XX/XX/XXXX and then on XX/XX/XXXX. Again no response. I finally called today the main loan number with pnc bank. They informed me that it was denied due to that my aunt doesn't live at my residence. XXXX XXXX the loan officer should of known that basic information the day we filled out the application. Pnc wasted 2 months of my time. Also she should of called me and told it was denied. Not ignore the calls and messages. Horrible business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: WELLS FARGO & COMPANY
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:
Constantly overdraft being taking from 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 monetary relief
Consumer complaint received 2023-10-20
Company: Affirm Holdings, Inc
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I engage in a XXXX agreed upon loan that is pre-authorized debited from my account on the XXXX of every month. This loan began XX/XX/XXXX and comes to term XX/XX/XXXX. The amount per month is {$60.00} In XX/XX/XXXX a duplicate payment was taken, one on XX/XX/XXXX and the other on XX/XX/XXXX. I have been disputing the XX/XX/XXXX transaction since XXXX with the customer service and collections team. Initially the Collections team ruled in my favor and stated a credit would be applied within 5-7 business days which had never come to fruition. I had been following up with the company on a weekly basis to which they have been " escalating my case '' each time. After multiple reach outs and multiple escalations, I asked to consult with a supervisor. The loan companies protocol for supervisor call back is by verbal or written request in which there is a 24-48 hour turnaround for call back. I've requested a supervisor call back 4 times to no avail. The customer service team randomly reached out to me early XX/XX/XXXX to ask for proof of the duplicate charge which I had already provided and explained in detail in XX/XX/XXXX To date there still has not been a credit applied to my account and I have since filed a fraud report with my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-05
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debts that are not mine are reporting to my credit as a collection.

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 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 

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