BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-14
Company: Los Angeles Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXXl and the people who claim to represent it are attempting to collect payment for an alleged scratch to the driver side door of a rental car, but are withholding basic information and acting in a deceptive manner. I have repeatedly asked for a copy of all prior repair estimates for the vehicle, confirmation as to whether repairs were actually made and a detailed final invoice for the actual repairs performed. My polite correspondence has been met with deception, hostility and attempts to intimidate. 


The requests for payments are coming from Los Angeles Collection Service  and an employee of XXXX  XXXX named XXXX XXXX. XXXX XXXX claims that XXXX  XXXX owns XXXX XXXX XXXX, although he has been unwilling to provide any documentation to back-up this claim. 


The reason I am asking for a copy of all prior estimates is that the car had significant pre-existing damage to the rear bumper, which would have required auto body work that duplicates the work that XXXX XXXX XXXX is trying to get me to pay for. All parties agree that the car was damaged before entering my possession. There are pictures and a video that prove the existence of pre-existing damage. The damage that XXXX XXXX XXXXl claims I am responsible for is a scratch to drivers side door, and yet they want me to pay for 5.8 hours of labor, plus parts, for the cars already damaged bumper. 


One of the few documents that I have been provided with is a " Preliminary Estimate ''. Unfortunately, the Preliminary Estimate conflicts with written statements from XXXX XXXX. For example, XXXX XXXX has claimed ( in writing ) that Im only being charged for 2.2 hours of labor for work to the cars bumpers ; however, the Preliminary Estimate shows 5.8 hours of labor. My conclusion is that either the Preliminary Estimate is incorrect or XXXX XXXX is lying. 


In order to help resolve the gross discrepancies between XXXX XXXX XXXX XXXXs written statements and the Preliminary Estimate, I have asked for a copy of an invoice showing the actual repair costs to the vehicle. XXXX XXXX XXXX admits that the repairs have already taken place, but refuses to provide me with a detailed final invoice. 


I attempted to resolve matters over the phone, which resulted in XXXX XXXX yelling at me and acting in a hostile manner. I attempted to resolve matters with correspondence, but XXXX XXXX responds with inaccurate information and wild speculation. 


Additional Information : -The rental car was returned to XXXX XXXX XXXX ( by me ) on XX/XX/2018XXXX XXXX XXXX   alleges that I returned the car to them with a new scratch to the driver side door. 

XXXX XXXX XXXX has demanded {$1800.00} for repairs. 

-To my later objection, my insurance company paid XXXX XXXX XXXX {$800.00}. 

XXXXXXXX XXXX XXXX is demanding {$1000.00} from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Bank set up son 's phone number on XXXX to go to account with XXXX  XXXX XXXX XXXX transaction using XXXX within the well fargo app On statement said it went to XXXX XXXX ( XXXX ) but he never received XX/XX/2022 They have refused to get money back but son was on with wf fraud depth when the set new account ND XXXX transfer Need to get money back as only ha ssa as income

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 2016-10-09
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CO
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
My husband is constantly getting phone calls from his cell phone and his work phone from these people trying to contact us about our car payment. We know we are behind but we are doing the best we can to catch up

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: Coinbase, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XXXX XXXX, XXXX, there was an attempt to transfer XXXX Litecoin from the cryptocurrency exchange XXXX ran by Coinbase, to the cryptocurrency exchange Binance. To transfer cryptocurrency from one exchange to another, it should take only as long as the blockchain takes to confirm this transaction, as no bank processing is involved. Stated on the Litecoin blockchain explorer site, transactions are confirmed after six transactions. Currently, XXXX XXXX, XXXX, my transaction has XXXX confirmations and still counting. My LTC transaction hash is, XXXX. By searching this hash on, XXXX XXXX XXXX the transaction can be found. XXXX Litecoin is roughly equivalent to {$1300.00}, which is a decent amount to be missing for 10 days now with absolutely no response from the company. I sent the company a support ticket but still have not received a response, and the problem seems to be shared across a lot of users according to social media. 
Because there has been no type of response or acknowledgement of this issue, I am afraid my funds may not reach my account. I would like to know more about filing a lawsuit against Coinbase and XXXX for financial mismanagement. If this can not be done, I am curious as to what regulatory standards this company is being held to concerning their legal financial management. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Made payment towards bill. Bank took payment. Company took the money still placed a hold on my card and couldn't use it. Still can't use it. Customer service does nothing but give you the XXXX number which they hangup on you constantly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2019 I made a purchase through XXXX from a seller from XXXX XXXX. It was for the amount of {$140.00} dollars. I was messaging with the seller back and forth and the seller stated that after receiving payment they would ship out item. Unfortunately that was not the case the seller never sent item I was scammed. I reached out to my bank Wells Fargo that same day. I tried to see what I can do to prevent the transaction from going through and they said that I had to wait for the transaction to post. Then I had to call them back the next day to file a claim so that they could investigate. So the next day I called filed the claim they said it would take 10 days to investigate. I kept calling days after to check the status on my claim and Finally on day 10 the claim specialist said the case was closed and they wouldn't be able to help me. I think that they should be able to help their customers when it comes to matters of this sort because I called that same day to try to stop the transaction there should be something that they can do to prevent the transaction from going forward. I should have been able to dispute the transaction that same day with no issue instead of waiting 10 days for nothing to be resolved. XXXX as well as Banks fail to let their customers know about how in situations like this they can not do anything about it until it happens. After the customers are left with no money. I would like to get some type of reimbursement or courtesy refund for my troubles.I am so angry I will NEVER send money through XXXX ever again. This is ridiculous that there is no way to prevent this stuff from occurring and that they have XXXX customer service and can't help out in situations with fraud or scams. There should be a better way for them to track that money and if there is fraud or scamming involved the customer should be able to suspend the transaction!!!!

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 2022-04-06
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I notice my credit report has unauthorized inquiries, same company but different dates XXXX XXXX XXXX Date:XX/XX/XXXX :XX/XX/XXXX: XX/XX/ Type All Banks XXXX  Date :XX/XX/XXXX Type Telephone Companies XXXX XXXX Date XXXX XX/XX/XXXXType Telephone Companies XXXX XXXX XXXX XXXX  Date : XX/XX/ Type All Banks XXXX XXXX Date : XX/XX/ Type General Clothing Stores XXXX XXXX XXXX   DateXX/XX/XXXXType Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX Date XXXX Type Auto Financing Companies

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 2023-11-12
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Second Mortgage on home matured from PHH Mortgage company in XX/XX/XXXX. Company is reporting missed monthly mortgage payments of XXXX dollars on my credit report monthly which is incorrect Additionally in the beginning company was also falsely reporting that this was a 30 year mortgage which it was a 15 year mortgage. Company also falsely reporting the wrong past due amount monthly on my credit report. This was a balloon loan and it is not being reported as such. The false reporting is not allowing me to refinance my mortgage because it looks like I missing monthly mortgage payments instead of a balloon payment. Additionally in XX/XX/XXXX I applied for a refinance with XXXX mortgage and on numerous occasions told I was approved for refinancing but only to be denied due to there own company falsely reporting that I missed a monthly mortgage payment in XXXX of 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 2020-11-05
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days a reason to immediately remove those items from my credit report with has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
THESE ARE ACCOUNTS AND HARD INQUIRIES I DO NOT RECALL : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIRES : 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 2023-09-16
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Repeated calling after a verbal cease and desist. Then called from a private number that they would call me every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XX/XX/XXXX I submitted a dispute concerning a chapter XXXX bankruptcy which was discharged in 2012. By law a chapter XXXX bankruptcy can stay on your report only 7 years.

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 2018-09-11
Company: Early Warning Services, LLC
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: Account status incorrect

Complaint:
I spoke with someone from early warning about accounts on there consumer site that does not belong to me anymore that was discharged from my chapter XXXX.. preventing me from trying to open an account ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Im accordance with the fair credit reporting act XXXX account XXXX has violated my rights 15u u.s.c 1681 section 602a states I have a. Right to privacy 15 u.s.c 1681 section 604a section 2 It also states a company can not furnish an account without my written consent XXXX  XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX number # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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: EQUIFAX, INC.
State: GA
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 XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Transunion LLC didn't delete XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  accounts as I requested. Pursuant to 15 usc 1681a ( d ) 2 Exclusions a ( 1 ) reporting containing information solely as to transactions or experiences between the consumer and the person making the report. These accounts shouldn't be on my credit report in the first place. They didn't have a permissible purpose from me pursuant to 15 usc 1681b ( 2 ) in which makes them civil liable pursuant to 15 usc 1681n. They didn't investigate my dispute because they didn't talk to my neighbors, friends or associates. Consumer reports can not contain factual information pursuant to 15 usc 1681a ( e ).

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 2017-12-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Bank stole my money, there supervisor when ever it was time to replace she erase, knowing identity stolen, police report, false accusations, Went without XXXX, food, bills, Was given a XXXX dollars an supervisor took half back an refuse to give full amount, false accusations by this employee going on a month, threaten I had to go through her, her means of punishment, Knowing needed money to live. False accusations torture knowing need social security to live, there was know fraud, it was a way to tell XXXX XXXX XXXX woman, XXXX attack she will suffer which did, contract States any fraud money be return, fraud was issue by merchants an stolen card, supervisor blocked half payment when fraud acknowledge money should be given in 2 days, supervisor said another 11 days, Harassment by this supervisor putting life in danger, Police report acknowledge hacker, identy theft, an proof of hacker in there bank, XXXX attack, XXXX  financial abuse, card stolen, account broke into twice merchants tripple payments, an hacker tried to take XXXX dollars which was decline, They would rather label me a criminal, with no evidence, Supervisor have threaten me an employer I had to come back, if not she will keep the rest off food money an XXXX payments. It has been verified identy stolen, Supervisor of fraud unit continue to lie because off the false accusations, I return call she continue to take my money an make me wait for over a month, she continue to label a criminal, an erase supervisor who try to give me my money to survive,

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 2021-02-25
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
This is regarding Paypal. I purchased several items from a tack store online and used Paypal to make the transaction. Paypal has my credit card information so the purchase was charged to my credit card. I returned one item and the online tack store refunded the amount through Paypal which was to go back on my credit card. However, Paypal put the refund into a cash account instead of refunding my credit card. They will not transfer the refund money to my credit card. If I try to get the refund money sent to me through a check ( which would be send to my address that Paypal already has record of thru my credit card information ), Paypal states they won't send it unless I give them personal information -- - either my Bank Account number or my Social Security number. This is very disturbing to me. I believe they are trying to collect as much personal/confidential information as possible for no legitimate reason. I have tried to resolve this for weeks and can not even speak to someone who understands the english language. Keep getting representatives in the XXXX who do not even comprehend what I am trying to resolve. It is Paypal 's error and they will not fix it and transfer the refund to my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: MO
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:
On XX/XX/2021, and XX/XX/2021, I sent letters by USPS certified mail to Credit Bureau Systems requesting validation of 4 medical accounts from original creditor XXXX, which CBS is reporting to XXXX and XXXX. In CBS 's response to my first letter, they failed to validate this debt. However, in a bold attempt to falsely validate, they in fact did clearly violate my HIPAA rights. I have yet to receive a response from CBS to my second letter. I mailed certified letters to both XXXX  and XXXX making them aware of these HIPAA violations by CBS. In my letters, I included copies of CBS 's response letter to me in full-color copies which show clearly XXXX XXXX letterhead billing with detailed information of specific services rendered. No HIPAA release was included in any response from CBS, XXXX, or XXXX after me having requested such. These accounts are still to date being illegally reported on my credit reports causing drastic damage to my credit score, despite having requested validation, and deletion from XXXX  and XXXX  on 2 separate occasions. 
1st and 2nd letters to XXXX and XXXX were sent certified mail on XX/XX/2021 and XX/XX/2021, with the second letters addressing the HIPAA violations and requesting immediate deletion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation