BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 2021-06-30
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
A loan modification was done on my Santander USA account to close out the account, maturity. I did not realize that the late fees that were added on the account from prior years were not included in the modification. When I thought I was making my last payment, there was approx. {$800.00} left on the loan from fees. By the time I realized this, my account was now 30 days late. I paid the {$800.00} in full within that month to close the account, and then it showed the next month I was 60 days late. We are closing on a home and I have worked hard for 2 years to get all of my accounts in good standing. This was one of the accounts, I have made a year and a half on time payments. I would not have let this account be late because this would be very detrimental to my situation. I have contacted them and filed dispute after dispute with credit bureaus, but there is still the 2 late payments on my credit report for XXXX, XXXX and possibly XXXX of 2021. They need to be removed.. We are closing on a home in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Personal account closed due to suspicions of illegal activity. Funds were taken & account closed.

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 2023-06-06
Company: Coinbase, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
They are telling me that my account is not eligible for XXXX XXXX because I have 2 additional accounts open. They say my account is connected to : XXXX XXXX I have no idea who these people are and I don't have access to these email addresses at all. 

This is VERY scary. Their information is NOT secure, or they have been hacked. This needs to be investigated immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-12
Company: EQUIFAX, INC.
State: GA
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 submitted a dispute on XX/XX/24 to get an account that is incomplete with multiple inaccuracies removed from my credit report. 

I received an update email from the bureaus but after a review of my report I noticed that the account is still inaccurate and incomplete. 

I followed up on XX/XX/24 and have only received a response that they are still working on it. 

This is a violation of the FCRA and a direct violation of 15 USC 1681 ( 5 ) ( A ) ( i )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: EQUIFAX, INC.
State: WA
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:
Prior to reporting a delinquent consumer debt to a credit reporting agency, Federal agencies are legally required to follow certain procedures and minimum due process requirements pursuant the 5th Amendment when reporting delinquent consumer debts to credit reporting agencies. 


The Treasury has provided invalid credit information to the credit reporting Bureau without providing minimum due process to review the case and complete the administrative hearing as requested within the 30 day XX/XX/2020 deadline to respond within the notice dated XX/XX/2020. 

The agency can not prove the debt is valid, has not provided me any opportunity to review the debt nor can the agency even prove that the debt is overdue, and has not completed any investigation and provided any opportunity to rebut even an initial decision as no findings have been made. 


Once all minimum due processes and procedures have been observed within the XX/XX/XXXXXX/XX/XXXXprogram, ie the administrative hearing and the right to review and respond, only then can the accused be provided a 60 days notice to respond. The agency can not show that it sent any notice prior to XX/XX/2020 that provided a mandatory 60 days notice of intent to report for which to respond and prevent derogatory information from my credit file all under 31 USC 3711 because the file is still pending administrative hearing and review of the validity of the debt. 




Reporting debts owed to the United States to consumer reporting agencies is governed by the XXXX and the XXXX as codified at 31 U.S.C. 3711 ( e ). Obligations of consumer reporting agencies and state and local government agencies to investigate disputes under the Fair Credit Reporting Act ( FCRA ) arise independently of 3711 ( e ). Because the federal agency can not ( 1 ) complete an investigation to provide evidence that a hearing with a required initial hearing reconsideration has taken place as well as ( 2 ) prove that the debt is even valid due to the absence of any evidence as requested on XX/XX/2020, the reporting bureuas are required by the FCRA to delete the information from the credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: BANKMOBILE TECHNOLOGIES, INC
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2023 XXXX  bank stole {$3000.00} of my money and refused to return it the same day. They automatically debited my account 3 separate times. The first one was authorized but the next 2 were stolen. This is a crime and they need to be prosecuted for it. I am reaching out to you first.

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 2021-04-08
Company: Early Warning Services, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Early warning XXXX refuses to send me my consumer reportI was. I was lied to multiple times by multiple representatives. I will never call that place again because I do not feel comfortable giving my personal information to proven Liars. Two Representatives refused to get a supervisor. they refused to contact the department where I sent the faxes. they sent me a letter claiming that the id copy was smudged and that I should call them or resend the fax. 
This is more of an inconvenience and insult because they clearly saw the attachments that I provided with my first cfpb complaint # XXXX where My identification was clear. 
I faxed them yesterday a request for them to send me my Consumer Report. They have had the attachment of my identification for a week yet they still refuse to send me my consumer report. again, I do not feel comfortable calling them or faxing them anything else regarding me because I was lied to and I can prove it. they should send me my Consumer Report because they clearly see my identification and I will attach it to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had account for XXXX years an think I was paying twice for every transaction I was making an I always asked why I always had overdraft fees

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 2023-09-05
Company: EQUIFAX, INC.
State: FL
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 checked again 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 correction 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
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:
XXXX auto loan. Add Ins included that I did not accept. Difficult to pay through app. Fees for every change to account. Called every time to try and correct, advise etc. 
finally gave up and had to sell the truck I loved to get out of it.

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 2021-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
Submitted certified dispute letter with return receipt XX/XX/21 to their dispute department XXXX XXXX XXXX, XXXX XXXX XXXX UT, XXXX. Called XX/XX/21 to check status was on the phone for over 3 hours collectively with reps and supervisor in the closed accounts Dept who advised she saw no record of the accounts in their system and submitted it for investigation which she stated had a 30 day timeframe. To date, no response received for letter mailed over 30 days ago. Regarding the following Capital One Bank # XXXX, Capital One Bank XXXX XXXX being reported on all three credit bureaus reports XXXX, XXXX  and XXXX. Capital One is in violation of FCRA for failing to respond within 30 days into validating the accuracy of these items reported. I am requesting these accounts to be deleted immediately. Attached is copy of USPS Certified Receipt and most recent credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2023-01-20
Company: Paypal Holdings, Inc
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I was using my PayPal Account A year ago for my virtual training or coaching business then suddenly they limited it and never restored it again. I already provided my information and Identification Card but they still did not taken an action to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
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: Account information incorrect

Complaint:
I have submit a dispute letter to the 3 credit bureaus informing of inaccuracies on my report on inquiries I did not authorize, inaccurate accounts that are closed and continue to report on my report. Medical Collections that I have no knowledge of. These negative information are hurting my credit score and I asked for investigation with no response.

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 2019-09-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
My mother, XXXX XXXX XXXX XXXX, who is not listed as a party on my credit card or personal loan accounts, received a debt collection call from Wells Fargo about my outstanding debt. I believe the intent of the call was to shame me into payment. The call was made during a period when I am working with a third party, XXXX XXXX XXXX, on consolidating and reducing my debt with the bank. The call resulted in the improper sharing of my financial information and placed me in a bad light with my family.

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 2019-06-08
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: Account information incorrect

Complaint:
XXXX XXXX is a closed account. It was paid in full and should show in good standing and paid off. This account WAS NOT charged off. It was paid in full and closed. 
However, the reporting date is showing XX/XX/XXXX and it should be XX/XX/XXXX. The date shouldn't have changed at all and this is affecting my credit age. Please correct this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 

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 non-monetary relief
Consumer complaint received 2023-01-20
Company: EQUIFAX, INC.
State: SC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: U.S. BANCORP
State: AK
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:
XX/XX/2023 to today Called on main number I'm known for being hacked by people cause the same set of people answer the phone Filed XXXX compliant hwne I talked to the customer service who voice sound like another person from.another business I called aka XXXX XXXX 

I been trying pay credit card but the error is saying system isn't coorpating. I bee. Calling g trying to get it fixed for the past XXXX  days

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 2023-10-24
Company: WELLS FARGO & COMPANY
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Massive illegal unauthorized fraudulent transactions and charges to all of my accounts. Wells Fargo Bank refuses to accept responsibility for the unauthorized fraudulent illegal transactions and charges despite XXXX  police report XXXX and other evidence so I have requested statements for all of my accounts in 2019 so I can give them to local and federal government bureaus and agencies to get their help to get Wells Fargo Bank to accept responsibility for the illegal unauthorized fraudulent transactions.

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 2023-06-08
Company: Experian Information Solutions Inc.
State: OK
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 recently had my credit report pulled for a potential mortgage loan. On my Experian credit report, it shows that I am an authorized user on a XXXX XXXX credit card that is open and active. This card was opened XX/XX/2012. At the time I was a minor, XXXX XXXX XXXX and a ward of the State of California, in the foster care system. I have never authorized my information to be used with XXXX credit cards. The credit card currently has a {$9900.00} balance which is severely damaging my credit and ability to buy a home. I repeatedly called XXXX to resolve the issue, however they are unwilling to help me without a full account number, or full name and social security number of the primary account number. I have no access to that information since my name was used fraudulently on this account. XXXX refused to help me or remove this fraud even though it shows on my credit 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 2020-12-07
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
As part of the CARES act interest on Federal Student Loans was to be waived due to Covid 19. I am still being charged interest. Navient states that my loans don't qualify because they were not funded by the US government even though they are federally subsidized student loans with interest rates set by congress.

I don't care who lent the money, they are federal student loans that are guaranteed by the US government so I should not be charged interest on the loans during the period that the CARES act covers. Navient is charging interest on these loans in violation of the act.

Company response to consumer: Closed with explanation