BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-08
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo brgan declining my transaction and I kept having to call them. Finally they stopped approving all transactions and lied and said that there was an XXXX financing charge for {$0.00}. I called them and they made me review over 10 transactions that all belonged to me. I told them I didnt want to close my card account for the fake XXXX Financing {$.00} charge but they closed my card anyway saying they had to mail me a new card. There was never any such transactions on my account. They just made it up and lied and closed my card down. It took them 6 weeks to mail me the 1st card. They are working with hackers who kept putting fake charges on my previous bank account with XXXX XXXX They messed the XXXX XXXX  account up so badly that I had to file police reports for fraud and close the account. Please help because Wells Fargo and this group is trying to make me lose my job by destroying my bank account.They keep interfering with my XXXX and XXXX rides causing the payment to reject so that I can not use any rude service. Please 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 explanation
Consumer complaint received 2022-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX I was charged late fee by capital one credit card even though I had made my payment on time. When I called the bank, they told me that they had internal compute issues and it was automatic charged by their computer. But that was corrected and reversal and never posted to my statement. The XXXX XXXX  failed to notified me on their internal computer issues and took care it without informing. I am sure that they are liable to inform there customers for this kind of issues. Please look into it and I am sure I am not the only one effected. I spoke to XXXX XXXX, rep id # XXXX on XX/XX/22.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
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 Fair Credit Report act XXXX Account # XXXX, has violated my rights. XXXX5 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: Experian Information Solutions Inc.
State: AZ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX, I paid off my car loan with XXXX XXXX. XXXX  did not send the payoff information/account status to all three Bureau 's until XXXX XXXX XXXX. When they did, XXXX and XXXX showed my account to be paid/closed and paid as agreed. Experian showed the same, but it also showed the account was 60 days past due of XXXX XXXX. On two separate occasions I sent Experian the proper documentation showing I had no delinquency 's. I then contacted both parties to have them correct the issue, neither party would do so. They both put the matter in dispute with a 30/40 day period wait. Finally on XXXX XXXX XXXX, XXXX XXXX sent the proper reporting 's to all three Bureaus. XXXX and XXXX updated their system on XX/XX/XXXX. I called Experian on the XXXX to have them do the same. I informed them that the other two Bureaus did so, yet Experian contuses to give me the run around. There saying it can take up to another 30 days for it to reflect on my credit. Meanwhile, my credit score has dropped 70 points as of XXXX XXXX. It has taken me a long time to have a excellent credit report, something I am very proud of. Yet, Experian refuses to correct the issue, even thought they have all the necessary documentations from myself and 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 2019-11-10
Company: JH Portfolio Debt Equities, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received two notices for debt collection from Credit Control LLC dated XX/XX/2019 and XX/XX/2019. On XX/XX/2019 I sent a debt validation letter via mail to Credit Control LLC regarding the first notice stating that I do not owe any debt and challenging the validity of the debt, as I have had my accounts, email and other personal accounts hacked into and have had credit applied for in my name that I didnt initiate. I have continued to receive calls and received another letter to attempt to collect yet another debt that I do not owe. On XX/XX/2019, I sent another letter by mail to address the second notice regarding a debt that I do not owe. To further ensure my documents are received, I have sent this disputes via fax today and will send again through mail, but this time, with XXXX signature confirmation. I am a disbursements veteran and I do not owe this debt and want the calls, letters and attempts at collection to cease. If this does not cease, I will retain counsel and seek compensation for damages.

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 2019-11-10
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
We are still struggling from the after-effects of the financial crises from 2008, during which we were forced to declare bankruptcy. 

Currently we are working to renegotiate our debt through XXXX XXXX XXXX ( so that we don't have to declare bankruptcy ). 

We have an account with American Express ( XXXX ) that is enrolled in the debt relief program. I believe that AMEX is aware of the fact that we are actively working to renegotiate our debt through XXXX. AMEX has been calling us several times a day -- and we have been ignoring the calls as advised by XXXX. 

However, now AMEX is starting to harass our family. They have called my mom ( God only knows how they got her phone number ), my wife 's mom and dad, my wife 's brother -- both on land lines and on their cell phones

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-10
Company: EQUIFAX, INC.
State: AL
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:
XX/XX/2019 I requested a verification on three items listed on my credit report XXXX XXXX, XXXX XXXX and XXXX. I also request this information from the listed creditor. I received an update from XXXX, XXXX  and Equifax of one of the accounts being verified with no verification proof. The XXXX XXXX  account was updated as " not specified '' by XXXX. I reached out to the listed creditor only one replied ( XXXX XXXX/ XXXX  ) with a typed letter saying my account was verified with no official original documents. As of today I sent three letter to XXXX, Equifax, XXXX  and all creditors and haven't received verification based off the FCRA standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX I have reached out these companies I was XXXX  XXXX alot in my life and couldn't possibly have these accounts Please I have been through alot already and wanting to start a new account and need this off my credit please

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Kriya Capital, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX issued a credit collection to Credence Resource Management for {$290.00}. I never received any communication from either company, so as soon as it was reported on my credit report I contacted them and paid the balance of {$290.00} on  XX/XX/2020 and was informed they would close this account. They never reported my payment of {$290.00} and issued an even higher balance of {$340.00} without ever receiving any communication again. I contacted Credence Resource Management and was informed by someone named XXXX and XXXX that I was lying about my payment being posted. Asked me to get my bank on the phone to confirm, and once I got my bank on the phone they back tracked and asked me to hang up and that they would transfer me to another supervisor. The next supervisor XXXX XXXX informed me that they did have the payment but that XXXX issued another collection and that I still have a balance. Again they never reported me paying anything to them. They are stating I have paid 0 % of my balance to credit agencies with is false. They took my money and accused me of lying about making my payment. They were not able to verify any information related to the amounts and are falsifying reporting amounts and dates related to this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01
Company: EQUIFAX, INC.
State: MN
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:
I WHY Was THIS DELETE AND ADDED BACK TO THE REPORT?????? 
If you dont tell me Im coming after your XXXX in a lawsuit mark my WORD already been turn down by XXXX or XXXX jobs and this will be added to the lawsuit as you cause harm as acted very willful!!! 
Last and finally

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: Paypal Holdings, Inc
State: VA
Product: Credit card or prepaid 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:
1. I purchased some diamond rings from a website & paid for the rings by using my Paypal account. The purchase amount was {$99.00}. It took over six weeks to receive the items by USPS. The items, after inspection, were determined to be fake. I filed a complaint with Paypal on XX/XX/2021 and asked for a resolution and refund. Paypal sent me an email and asked me to refund the items to the seller. The recipient address is in XXXX. When I went to USPS to return the items, I was told by the USPS that the address must be in English so that they can send the package to the recipient. I informed Paypal this requirement by email and by posting to their Resolution Center and asked that they send me the address in English. Paypal acknowledged the receipt of the email but did not respond to the email or to my request posted at the Resolution Center. Paypal informed me that the seller did not receive the items and thus my claim was denied and closed the case on XX/XX/2021, even though they did not send the address of the recipient in ENGLISH. 

The item was sent to me from California. So, I do not understand why Paypal wants me send the item to XXXX rather than to the address in California? Sending the package to XXXX  will cost in excess of {$40.00}. 

The shipping address on the envelop : XXXX XXXX XXXX, XXXX, CA XXXX ( image attached )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-10
Company: CITIBANK, N.A.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I opened an account with Citi last year. The initial deposit didn't go through due to computer system error. I was told that I can deposit later. I received a bill for the monthly maintenance fee as well as overdraft fee even though I never used the account and I was not able to make a deposit, due to a bank error. I tried to dispute the charges but the bank refused and closed my account instead. I demand the account to be opened immediately at {$0.00} balance or I'll seek Justice via trial by jury as granted by the 7th amendment. It's shameful, unfair and frustrating to have my financial reputation ruined due to a bank error.

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 2020-02-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I've contacted Experian by mail in regards to a fraud alert that I need to remove. This fraud alert was placed XXXX-18. I need this to be removed from my credit report. I have not received a letter back approving my request. I phoned in to customer service multiple times at the following number : XXXX. I am unable to talk to an agent to remove this.

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 2020-09-15
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:
Equifax should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
US Bank closed my account unfairly over a year ago. There were unauthorized charges which they didn't allow me to dispute when I called over the phone. They said I need to verify my identity at a branch and I did, on multiple occasions. They still wouldn't let me dispute those charges even though I faxed my identity documents for verification. They closed the account with approximately $ XXXX negative balance. It's unfair and I demand immediate access to my account and the ability to dispute charges or I'll seek Justice via trial by jury as granted by the 7th amendment. It's unfair and frustrating and has caused me financial hardships and ruined my financial reputation as I'm unable to open checking accounts.

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 2022-11-25
Company: Experian Information Solutions Inc.
State: MS
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 company posted late payments on my report. Thats not true they were on time but the credit card company sent the money back to my personal checking account each time.

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 2023-02-12
Company: EQUIFAX, INC.
State: NV
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:
I have requested in two prior times to resolve this issue. I never gave consent to anyone to share my alleged private information or transaction to anyone. They never did an investigation prior to putting these accounts on my consumer report .I requesting proof of valuation in 15 days and showing me proof that I gave consent for any company to share my information with a third party company or reporting agency such as Equifax XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: DISCOVER BANK
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:
I am a victim of identity theft and didn't open this account. 
I am a victim of the XXXX data breach my social security and state id has been compromised and used fraudulently without my permission or consent. I am not responsible for this account or any charges made to it. I demand this trademark be updated and removed from my credit file immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-23
Company: EQUIFAX, INC.
State: PA
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:
Greetings I have initiated a dispute with EQUIFAX to remove an unauthorized Inquiry they have failed to validated that I initiated. I have asked and requested for EQUIFAX to respond with validated proof that I authorized this inquiry per the Fair Credit Reporting Act. I have provided requested documents to EQUIFAX including a copy of my filed Identity Theft Police Report to get this issue resolved in which they requested. I have also reached out to the creditor to validate this unauthorized inquiry belongs to me. Below is the reporting Inquiry that should be Removed / Deleted from my EQUIFAX credit report. Should you need any additional information please let me know. 

Reporting Inquiry : 1 ) XXXX - Date Filed : XX/XX/2018 Should you need any additional information please let me know.Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX  XXXX XXXX, PA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-05
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:
AFTER REVIEWING MY CREDIT REPORT I HAVE NOTICED SOME INACCURATE ACCOUNTS AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I HAVE NO IDEA HOW SOMEONE COULD GET INTO MY CREDIT AND DO SUCH DAMAGE BUT PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2023-02-09
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Unauthorized transfert of my money XXXX from my Coinbase account XXXX $ I reached the customer service directly by phone them by email to reverse the transfert but unfortunately they just improperly and unreasonably stops my account and wasnt able to access anymore to my accounts and funds, ... I file a complain to the FTC & CFTC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Bread Financial Holdings, 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 is missing that should be on the report

Complaint:
Comenity Bank ( Victoria 's Secret Credit Card ) failed to notify it's customers of system issues and not properly report account updates on a monthly basis. It took the company XXXX months until the XXXX reporting credit bureau 's were notified of an active/positive credit use. I lost out on purchasing a new home/vehicle because they failed to report on time and kept my account on pause for XXXX months while I made monthly on-time payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XX/XX/2023 I received from my credit union Navy Federal Credit Union request. for a piece of information on the loan title for account # XXXX. We have complied with all the document navy federal requested. NFCU is requesting that the title be sent to them from the company XXXX XXXX XXXX XXXX XXXX. 

We call XXXX XXXX also Texas human and health services and I was told that all information needs to be addressed with NFCU and XXXX XXXX. XXXX XXXX sent an email stating the title was sent to NFCU. 

Letter is attached

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Tried several times to dispute several inaccurate and fraudulent accounts from XXXX XXXX XXXX XXXX, reporting to my credit report. These items have been hindering me from moving forward with other financial endeavors I want to pursue. 

These accounts are reporting as a positive account and negative account. This is not correct as I have never applied for an account with this company.

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