BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-08
Company: Circle Internet Financial
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, altcoin $ XXXX collapsed more than two thirds of its value during the day, resulting in the margin lending pool incurring a more than {$13.00} XXXX USD loss. Poloniex took 16  % of lenders ' BTC to cover the loss to the lending pool. 
XXXX has been a dead project since 2016. Somehow A REGULATED EXCHANGE not only kept listing it but allowed margin trading to the tune of XXXX BTC of exposure. After the loss they try to persuade lenders like " ... this was a risky transaction and you should have known you could lose your money ... " by writing blog posts, but this wasn't clear before their failure. 
The loss is only because of Poloniex 's system bug and they have to pay back customers ' money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I wrecked my car in XXXX of 2019 and believe the auto loan that the bank repossed at my direction may have to do with fraud.., Reason is the letter Wells Fargo mailed me months later that the balance owed was being written off and removed from my credit seems too good to be true ... 

My XXXX  app I later used to improve my credit also had a discrepancy having to do with an auto loan, but nobody replied to my report on the app for resolution of this matter ...

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 2017-09-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
In view of the EQUIFAX breach, I ordered free copies of my 3 credit reports. I had no problem with XXXX or XXXX  but Equifax refused to give me an online copy. 
Instead they suggest I send all my personal identification information to them VIA MAIL! 
This is ridiculous. I 'm certainly not going to send my personal documents only to have them sit on someone 's desk for all the world to steal! 

I want to find out if I was a victim of the Equifax hack but ca n't because of the company 's incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: WELLS FARGO & COMPANY
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:
I SUBMITTED DOCUMENTATION IN REGARDS TO BEING A VICTIM OF IDENTITY THEFT AND SOME ITEMS HAVE YET TO BE REMOVED/BLOCKED OFF OF MY XXXX  CREDIT REPORT INCLUDING TWO HARD INQUIRIES ( XXXX, MADE ON XX/XX/XXXX, AND XXXX XXXX   MADE ON XX/XX/XXXX ) THERE IS ALSO A WELLS FARGO CREDIT CARD ACCOUNT THAT WAS FRAUDULENTLY OPENED WITH OUT MY KNOWLEDGE OR AUTHORIZATION. 

( WELLS FARGO BANK CARD ACCOUNT # XXXX, BALANCE {$1300.00} OPENED ON XX/XX/XXXX. )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2014 {$360.00} {$360.00} XXXX XXXX XXXX XXXXXXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX RE : Disputed Account Notice to Furnisher Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 
I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.

Please send me a letter explaining your findings and actions.

Sincerely, XXXX XXXX Enclosures : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files.

Identity Theft Report Proof of identity Notice to Furnishers of Information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-24
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, I would like to report about Identity theft as I do not recognize this account and inquires. I checked again my profile and I realized that they are still there. When you are going to make investigation and remove these items? I am writing again, to request that you reinvestigate this account and inquiries, and delete them. I am very sad that I see them still there. Is it possible someone forged my name, or that you have confused me with someone else? I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these items. I have never gave anybody any permission for that inquires. Please review this and remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/2020 - Fraudulent transaction on my checking account. {$1300.00} purchase at XXXX XXXX XXXX XXXX, XXXX, NY. 

XX/XX/2020 - Fraudulent debit challenged at local branch of Key Bank, temporary credit issued. 

XX/XX/2020 : I receive a letter from Key Bank informing me provisional credit for alleged fraud will be reversed : XX/XX/20 not allowed, XXXX XXXX XXXX XXXX. 

XX/XX/2020 - Key Bank withdraws funds from my account : {$1300.00}. 

A side note : at my XX/XX/2020meeting with the local branch manager, in XXXX, XXXX, I was informed that his quick review of my acct record clearly indicated the challenged transaction was fraud, because the bank flagged and stopped other fraudulent transactions from occurring on this same account just after the incident I'm reporting here. Without informing me, by-the-way. How in the world is it possible they then decide the disputed transaction is legitimate??? Bank is taking my money, because they are unable to recover it from the actual thieves, and to cover inadequate account security and safeguards. Please, HELP!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-25
Company: Experian Information Solutions Inc.
State: MI
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:
XX/XX/XXXX XXXX XXXX XXXX  reported a late payment. After speaking with the representative it was concluded that a representative neglected to process a loan repayment application I completed XX/XX/XXXX. No notifications were sent to me that this application was not processed. This is the only late payment that I have and it is not my fault. I was told by the representative to dispute it through the credit bureaus which I did and it still was not corrected.

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 2023-03-09
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted the company and told them I dont owe {$1500.00}. Since XXXX  they increased my owed amount over {$500.00}. I refuse to pay any of it because theyre making false claims and they dont even have proof that the debt is mine, theyre not the original creditor. I get mail saying Im commuting a crime and theyre taking me to court. I want this to stop. They dont have my wet signature. They never provided me with proof of anything and on top of that I have been a victim of a nationally declared disaster. I have been homeless for the past 3 years. Jobless for longer than that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13
Company: BARCLAYS BANK DELAWARE
State: OH
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 logged onto my Barclays account today & saw there was a old navy account listed on my page. I have never had an old navy account in my life. I called in & they closed it. They used my old cell phone number, address that was similar to mine & a fake email with my name in it. I then logged into XXXX XXXX  & saw there was a hard inquiry that was made on XX/XX/22 under the name XXXX I can assure you this is not me & I would love it if someone could help me to get this taken off my credit report. Thank you so much!!!

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 2019-02-21
Company: WELLS FARGO & COMPANY
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: Information belongs to someone else

Complaint:
My husband purchased a truck in XX/XX/XXXX in XX/XX/XXXX he was dignosed with terminally XXXX  XXXX 's XXXX I was not on the notr he XXXX in XX/XX/XXXX the life insurance he purchased when fiancing the truck was to pay it off. Well now I have this on my credit report and they came and picked up the truck. It was repossed I sent them in a payment of XXXX dollars when I went and got my truck all of my husband personal belongings we're gone they gave me a check for XXXX to replace them and the steering collom was broken they said because I signed that check they were not libal. How please help me I have no truck no husband and this is not fair at all. Now this is on my credit report this was to be given to our daughter. We have XXXX children .please help me we paid XXXX dollars and they took the vehical and out the XXXX he owes they say iby credit report they should pay me theXXXX they took it from me he had insurance threw them as well as life insurance.

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 2019-02-21
Company: Experian Information Solutions Inc.
State: IN
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:
Incorrect information on your report ( incorrectly shows account still open, inquiries from institutions I never used. ) Experian i very XXXX up ... .XXXX Compromised my private info including SSN in the largest breach in history. All 3 have inquiries that i never authorized and its affecting my score.

I am getting turned down for prepaid debit cards ... its ridiculous XXXX is best or most accurate of the 3, XXXX is 2nd ... .New player is XXXX ... out of Pennsylvania..do n't know how to get their report.

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 2021-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, I would like to report about Identity theft as I do not recognize this account and inquires. I checked again my profile and I realized that they are still there. When you are going to make investigation and remove these items? I am writing again, to request that you reinvestigate this account and inquiries, and delete them. I am very sad that I see them still there. Is it possible someone forged my name, or that you have confused me with someone else? I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these items. I have never gave anybody any permission for that inquires. Please review this and remove this 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 2019-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX also known as XXXX XXXX is reporting inaccurate billing information. Im not 30 days late and they havent updated any of my payments since XXXX. They reported 30-60 days late and affected my credit score terribly.

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 2023-03-05
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax is reporting XXXX accounts showing as charge-offs. According to the IRS, charge offs are defined as gross or ordinary income. Income does not get reported on a consumer report. Therefore this information should not be reported on my consumer report as debt. Please remove and update the following accounts from being reported on my consumer report. If these accounts are not removed i will file a complaint at my local courthouse for defamation of character being that they are furnishing inaccurate accounts on my consumer report and causing my character and credit capacity to be tarnished. 

XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number xxxxxxxxxxxx XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Refinanced my vehicle loan with Capital One in XXXX. A new loan has been opened under my name with a payment due XX/XX/21 however capital one continues to fail paying the bank that currently holds the title. I have reached out multiple times with no success reaching a solution to the problem. I have been told countless times they would get an overnight payoff sent and call me back to confirm and never hear back. I have been sent to multiple departments including XXXX with the customer resolution team who continues to give me a different story every time I reach out and fails to follow up with me as promised. 

I now have two open accounts on the same truck and two payments due and no help from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
XXXX XXXX is inaccurately reporting that I agreed to a one month term with them which I did not. Despite that they have and continue to report on my credit reports that a one month term exist. I have done plenty of research and know according to the fcra, everything is to be reporting completely accurate in it's reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: MD
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-02
Company: EQUIFAX, INC.
State: OH
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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-14
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XXXX/XXXX/XXXX Have enclosed a copy of two bills THESE ADDRESSES ARE NO LONGER MY ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT CELL PHONE:XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.
Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.
Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
My capital one venture cards states that I have XXXX miles available for rewards travel. When I went on line and called to try to redeem these 'miles ' for travel, I was informed that the 'miles ' advertised were not really 'miles ' and that XXXX miles could only be redeemed for {$250.00} in travel. I live in XXXX Alabama, {$250.00} in travel dollars is roughly 250 miles or round trip to XXXX. This is fraudulent at best. Thank you for your consideration of my complaint.

Company response to consumer: Closed with explanation