BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I walked into Citizens Bank on XX/XX/2019 at XXXX  hrs and paid my credit card bill in full with the teller. XX/XX/XXXX I logged into my account and they charged me a {$28.00} late fee!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX XXXX Balance Owed : {$4200.00} ; XXXX XXXX XXXX Balance Owed : {$9100.00} ; XXXX XXXX XXXX Balance Owed : {$19000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified account listed below continues to report on my file. The late payment is inaccurate, the payment was made on time. Please update the late payment markings to show the correct payment history. Update the account below : TOYOTA MTR XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-16
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out. When I did not receive a response I sent a a second letter and again still did not get a response. I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request.

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 2023-09-18
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:
Wells Fargo bank suspended my accounts, i dont have an access i cant use my debit cards, and every day say same think you can call after 24 to 48 hours and i called 6 days but nothing changed

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 2019-07-26
Company: U.S. BANCORP
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The Fidelity Investment Credit Card, provided by Elan, has recently updated their XXXX software app so that the user can no longer see pending transactions and posted transactions. I believe this was done to make it difficult to pay off the balance in real time ( previous incremental changes made it difficult to pay balances too, but are not discussed here ). But this also makes it difficult for the user to monitor potential fraud on their account. This information is also valuable to monitor spending and should be easily accessible. A user can have enormous charges pending, but the app shows a {$0.00} balance for several days. 

There is a way to see transactions through a desktop web portal, but its convoluted to do so. Theres no reason for balance information to be hard to access, besides ill intent. 

The recent change to their user app is alarming and suspicious. This does not seem like a user friendly change, but rather the opposite. This deserves investigation. 

Ive contacted the company through two mediums, but they have not responded.

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 2023-09-22
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am making a complaint about an incorrect collection account on my credit report maintained by Equifax. The collection agency name is XXXX XXXX XXXX XXXX and the original creditor is XXXX XXXXXXXX. The information on this collection account is incorrect. Despite several attempts to dispute the collection account with Equifax, it is continually marked as 'verified '. Furthermore, I have sent a debt validation letter via certified mail to the collection agency, XXXX XXXX XXXX XXXX. It has been over 30 days since they received the letter ( see attached PDF of the Electronic Delivery confirmation ), but they have failed to provide any validation for the debt or proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened my Citibank account on XX/XX/2023. They blocked my account on XX/XX/2023. I opened a Citibank account because my wife has Citibank and wanted the convenience of having the same bank. I used my XXXX XXXX XXXX  from them and maybe that triggered a fraud warning, but unsure. They told me I would be mailed a check with my balance within 30 days and wouldnt be allowed to use my account. Its been over 8 months and Ive received no check and every time I call I get the run around or hung up by the service agents.

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 2023-09-20
Company: BWW Law Group, LLC
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
BWW LAW GROUP LLC, added themselves as substitute trustees to my deed before giving their standing on said debt. 

They also took legal steps by putting documents and affidavits on the record before verifying how theyve acquired said debt. 

Also, they need to send me the original note with my wet ink blue signature, as the one they sent me is a good forgery.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: I.C. System, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive requested the accounting history, detailing past payments made or missed and was not provided any. 
Ive requested personal information associated with this account for identity purposes and was not provided any. 
Ive requested contracts signed with my signature and was not provided any.

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 2019-02-28
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Experian, XXXX, and XXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX only reporting me 30 days late. There was definitely an error on their part. I was never 30 days late.

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 2023-09-14
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I'd like to open a class action law suit against Midland Credit Management for $ XXXX for trying to collect debt in the state of California without a license Pursuant to FDCPA 15 USC 1692 MIDLAND CREDIT MANAGEMENT , INC . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California, XXXX, United States

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: DISCOVER BANK
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I made a purchase of {$3600.00} to XXXX XXXX for XXXX XXXX XXXX XXXX equipment that were described by the merchant as " Used & Working ''. On XX/XX/XXXX I received the pallets with the merchandise and inspected them to find that the condition was not used & working. The merchandise was missing crucial components required to properly function and what I received was salvage grade ( junk ) merchandise. In the subsequent days I called the merchant to try to find some recourse but received no response. In response on XX/XX/XXXX I called Discover to file a dispute as the merchandise I received was significantly not as described. Initially Discover issued a credit back to my account and I thought the matter was settled. However, as of XX/XX/XXXX, Discover reversed this credit and I have been scammed out of my money and have been left with a bunch of junk. 

Because Discover was unhelpful, I filed a complaint with the CFPB shortly after which you can find filed as complaint XXXX. Initially this complaint filing was met with cooperation from Discover, they reversed the charge again, however as of the beginning of XX/XX/XXXX the amount was reposted to my account and I expected to receive a letter as I was told that I would have the ability to provide supporting documents including my attempts to call XXXX XXXX ( the merchant ) following the delivery of the not as described goods, but no such letter was sent to me. 

To add to the matter, Discover has now decided to close my account completely. I have paid every month on time and in full prior to this negative experience with the XXXX XXXX order. This is the first time that I've disputed any charge with Discover and they have been wholly unhelpful despite touting their " {$0.00} Fraud Liability Guarantee means that you're never responsible for unauthorized purchases on your Discover Card account. '' So my entire line of credit with Discover has been shut down because I asked for their help in handling a fraudulent transaction where I have been sent goods that have been wholly misrepresented, a situation which certainly warrants fraud protection from the credit company with which the goods were purchased. This action is in direct violation of the federal Equal Credit Opportunity Act, which " prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided that the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-25
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Coinbase wallet problem I'm Facing this issue from XX/XX/2019 they locked my Coinbase wallet account for no reason I'm Coinbase user from 4+ years till now I didn't get any problem with them but on XX/XX/XXXX they temporary block my Coinbase Account & telling me contact Coinbase support there support is not replying at all I have send several emails just got automatic reply no reply by there employee & company here is company website https : //www.coinbase.com I have my funds in Account but they BLOCK my account on XX/XX/2019 for no reason also support not replying me I have tag them on XXXX  XXXX  By email no response calling number not responding I tried to call all of them are busy not answering call just computer running please I want to get my account unblock asap as they block my account for no reason I have around {$2600.00} in Coinbase & that amount stuck now my account is disabled This is the error I getting Everytime wen I try to login into my account Coinbase sorry Account temporary disabled please contact support Case number - # XXXX that I got from there email complaint which I raise with Coinbase I don't get reply for that for an unknown reason my account was just disabled. 
I also read there support questions on there website what Todo if u showing error that ur Account was temporary disabled please contact support in answer I get Just change ur password of ur Coinbase Account & contact us by email i have done that both I changed. My password & contact Coinbase support via email XXXX  XXXX  by call no response I get from them My registered email ID with Coinbase Account - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: FC HoldCo LLC
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: Account status incorrect

Complaint:
I have a loan with XXXX XXXX  XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, and XXXX  XXXX XXXX with no successful resolution. XXXX, XXXX, and XXXX only reporting me 30 days late twice. There was definitely an error on their part. I was never two times 30 days late.

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 2023-09-14
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
XX/XX/2023 I attempted to open a chase checking account, but was not given any information why I could not open the account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
Tried to login into Venmo account and the system is not recognizing my account. I have money there that I can not access!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: TRINITY HOPE ASSOCIATES
State: NC
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 do not owe any debt to this collector. While this collector did very a debt with a completely different company they do not and can not state that any debt is owed to them on my behalf. The collector issued a cease and desists on XX/XX/2023 but resumed reporting on XX/XX/2023. Please see attachments

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 2018-09-07
Company: Experian Information Solutions 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:
XXXX XXXX checked their database of XXXX XXXX publicly breached accounts and my email address ( XXXX ) showed up in 1 data breach. That means my online accounts and personal info may be compromised. XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ), originally incorporated in the state of Wyoming, is no longer in business. In XX/XX/2017 a massive trove of data from XXXX XXXX XXXX was found exposed online. The data was found to contain almost 1.4 billion records including email and IP addresses, names and physical addresses all of which was used as part of an enormous spam operation. Once de-duplicated there were 393 million unique email addresses within the exposed data., also I am part of the data breach that occurred with XXXX XXXX , XXXX and the IRS XXXX I am following the advice from the FEDERAL TRADE COMMISSION on filing a complaint. I have contacted the police department, all 3 credit bureaus to make them aware of the Identity Theft and disputed. The Fraudulent addresses were all removed from my report and just recently re-appeared. I have spent a tremendous amount of time and effort in resolving the brutal effects of Identity theft and this is not right. I don't deserve this life of XXXX. I am disputing all of the following information due to be incomplete and 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 2023-05-26
Company: EQUIFAX, 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:
This is one of several times I've discovered that my credit report had inaccurate information. 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. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXXXX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief