BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-13
Company: WELLS FARGO & COMPANY
State: TX
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:
I ordered furniture from XXXXXXXX XXXX. However, I did not receive the complete order. I did not authorize the merchant to charge me for the order until all was received. 

The merchant agreed to a lesser amount, and I paid for XXXX order on my card from another bank NOT WELLS FARGO. 

For over 90 days Wels Fargo played games with disputing the charge and not handling it as unauthorized. I have spent over 20 hours on the phone ( all recorded ). 

Every time I call a different rep tells me a different bit of information. 

All lies and never consistent. 

I have asked for and never received any supporting docs from the bank. NOTHING!

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 2021-04-27
Company: Alliant Capital Management LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Hi my name is XXXX XXXX and I was scammed by this guy named XXXX XXXX and he used my name to sign me up for a loan for Alliant capital management but the name of the loan is XXXX XXXX loan and I have never ever signed up for it and Alliant capital management said that they will sue me too

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 non-monetary relief
Consumer complaint received 2018-01-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XX/XX/XXXXI had previously informed the XXXX XXXX that this account that they have been reporting on behalf of their client : XXXX/XXXX reported account XXXX This account is unknown to me and were opened in result of theft of my identity in XXXX. The opening of this fraudulent account was reported to the FTC in XXXX under affidavit number XXXX after unsuccessful attempts to delete via XXXX XXXX in XXXX XXXX XXXX are still reporting it today. 

This will be my last attempt in requesting that XXXX XXXX remove this account from my credit file. Since XXXX XXXX insist that they have verified this account which is in conflict with the creditors statement attached. A FULL debt validation was requested and the company has defaulted as I have not received FULL debt validation including all that was listed on the creditor/debt collectors declaration therefore I now insist that they validate this claim as per my rights protected by the Fair credit reporting Act 609 disclosure to consumer : ( c ) ( 2 ) ( E ). Please forward your FULL Validation package including signed contact to me by US mail or by email in 15 days or delete this entry from my credit file. 

I have requested the removal of this inaccurate information on numerous occasions and XXXX XXXX have failed to remove it, for this reason I request the assistance of the CFPB.

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 2018-01-09
Company: Experian Information Solutions 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:
I am a victim of consumer and identity theft fraud. Police Report Number : XXXX. Please find the attached police report. It was filed at XXXX Police Department on XX/XX/XXXX. Complaint with the Bureau of Consumer Frauds and Protection New York Attorney General file number XXXX on XX/XX/XXXX. New Jersey Attorney General Complaint Number XXXX. Federal Trade Commission complaint number : XXXX Please place a credit freeze on all my credit reports on all credit bureaus : Experian, XXXX, XXXX and XXXX. Please remove all hard inquiries from XX/XX/XXXX until XX/XX/XXXX on all my credit reports on all credit bureaus : Experian, XXXX, XXXX and XXXX. 

XXXX and XXXX has already placed the security freeze and int the process of complying of my requests. XXXX and Experian are INTENTIONALLY delaying the process and they will be liable for all financial losses I incur because of their reckless behavior. You will be hold accountable in court. This is not just a civil case and it implies criminal charges. XXXX and Experian will be liable too for those criminal charges if they do n't act accordingly in the NEXT 48 hours of receiving this complaint. I DARE YOU! 

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 2022-01-13
Company: Paypal Holdings, Inc
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
For the last 2 years, I am having problems with opening Paypal personal account, whenever I apply for a new account Paypal is closing it forever, I kindly ask Paypal to reconsider their decision and allow me establish an account with them, please find attached identity documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: EQUIFAX, INC.
State: ND
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:
Equifax and XXXX   are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see page 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XX/XX/2021, my paypal account was banned from paypal, I cant withdraw my money, they will hold my money in 180 days, I don't have any violation, I hope you will help me to get back my money thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
AMERICAN EXPRESS XXXX  XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX. 
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days.  I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: ALLY FINANCIAL 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: Old information reappears or never goes away

Complaint:
My wife and I went to look at vehicles for purchase. We were trading in our XXXX  for another XXXX. The asked us how our credit XXXX scores were. I said XXXX hundreds. We were successful I. Getting the car. The next couple days following I would see my credit score go increasing lower due to extreme inquiries from car loan banks hitting my credit report. I did not tell the salesman it was okay to pull my credit. I told the. To wait until I looked around. Its unfair that banks can do that to a persons credit. Im right in the middle of trying to refinance my home and was denied do to wrongful credit 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 2018-01-09
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I have been trying, without success, to withdraw my money from my XXXX Pounds Sterling wallet to my XXXX bank account for nearly 3 weeks now. I have followed Coinbase 's instructions exactly, twice, but Coinbase still have n't verified my bank account, so my money is basically stuck in Coinbase.

I originally emailed Coinbase 's support about this issue on XXXX of XXXX, they replied with a generic message, and despite me emailing them for an update on XXXX of XXXX and XXXX of XXXX, I have heard nothing from them since. I have also called them, but both times I 've been left on hold for about 20 minutes then cut off before I 've actually been able to speak to anyone. I 'm now starting to panic, is Coinbase some sort of scam? I have several thousand Pounds in my Coinbase wallet and can not afford to loose this money. Please help! Many thanks, XXXX ( XXXX Citizen ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: JPMORGAN CHASE & CO.
State: CT
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:
I had hired a Law Group that I had hoped could assist me with mortgage fraud that has been perpetuated against me for more than TEN years. After a discussion of my case with XXXX XXXX XXXX, which I was given the impression would direct me to a local attorney to assist me in my plight, I discovered they are ONLY in California, do NOT provide one with an attorney. At this juncture I had only given then a copy of ONE mortgage statement and some basic information. I divided the cost of {$750.00} between two separate Debit cards. Once I advised XXXX that I had fired this company and was repeatedly told by XXXX XXXX XXXX that " accounting would refund my money as nothing was done or submitted on my case. This went on for nearly a month and nothing was refunded. I finally had to deal directly with the banks independently and the charges were reversed. 

Apparently XXXX XXXX XXXX provided a retainer agreement to XXXX who without consultation with me reversed the fees and charged me once again. You should know that the retainer agreement DOES NOT HAVE MY SIGNATURE ON IT!!!!!!!! It was typed my XXXX XXXX XXXX and NOT signed by me. XXXX has refused to return this money or cease activity on my account and in fact charged me HUNDREDS in overdraft fees that I never should have been charged!!!!! 

Mind you I survive on Social Security XXXX and now can not afford heat my home or pay for electricity in my home because of XXXX XXXX  lack of due diligence and fiduciary responsibilities to me as the client!!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-05
Company: WELLS FARGO & 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: Filed for bankruptcy

Complaint:
In XXXX or XX/XX/2019, Wells Fargo bank debited my entire personal checking that at the time had an available balance of a little over {$1300.00} in the account to offset a past due credit card payment that I had with their bank. By doing this it caused further extenuating financial hardship for me which led to me filing bankruptcy so that I can keep my home as the available balance at the time was part of my mortgage payment. 

I'm filing a complaint because I'm just recently learning that it was unlawful for Wells Fargo bank to offset an owed credit card payment from a deposit account. I was unable to email the company 's escalation department directly to file my complaint due to my account is now closed with the bank.

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 2021-07-13
Company: EQUIFAX, INC.
State: CT
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 do not know how these items ended up on my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on my Drive Licence and Social Security Number ) because if you do you will see I did not sign anything related to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
you keep letting these 4 account report inaccurate the statuS of the accounts are SOLD/ CHARGE OFF BECAUSE THEY WERE SOLD THEY ARE NOT DEROGATORY THEY ARE SOLD THE CURRENT PAYMENT STATUS OF THESE ACCOUNTS ARE SOLD/CHARGE OFF THEY ARE NOT IN COLLECTIONS SO TELL ME YOU SELL AN ACCOUNT THEN YOU SEND IT TO COLLECTIONS ARE YOU FOR REAL GET MY REPORT RIGHT OR BE SUDED

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 2022-08-26
Company: EQUIFAX, INC.
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Ive already included this report in my previous complaint & I am including it again. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX : {$11000.00} XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Old information reappears or never goes away

Complaint:
I am working to correct all of the inaccurate information on my credit report due to irresponsible reporting and fraudulent bankruptcy attorney ( Attorney XXXX XXXX ) ( who is involved with and have bankruptcy debt buyers only wanting chapter XXXX and XXXX debt ) listed in my bankruptcy. And have my entire credit report completely ruined. I continue to find accounts that should not be on my report. 

I will attach an account that has been re-aged and not at all showing, reporting or listed. Please have this account completely and permanently removed/deleted. Not hidden to be available for other programs to secretly report. I want this permanently removed. 

It ; s been OVER 7 years and has no business listed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I AM A VICTIM OF ID THEFT. I HAVE ENCLOSED THE PROPER DOCUMENTS TO BLOCK THE INFORMATION ON MY FTC REPORTS.

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 2019-10-15
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: Personal information incorrect

Complaint:
There are many multiple incorrect addresses and name spellings on my credit report. 

Below is the only accurate information XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX There are multiple miss spelled names that should be deleted off of my credit report, as well as multiple addresses which I never lived. 

The only previous address I should have on my credit report is XXXX XXXX XXXX XXXX, NY XXXX Please delete the following addresses XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX NY 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 2018-07-24
Company: EQUIFAX, INC.
State: NE
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 applied for credit with XXXX and 2 inquiries appeared for one application. Also, my credit score dropped approximately 100 points immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
For the past couple of years I have been dealing with Navient since i graduated in XX/XX/2012 ... I dont make a lot of money so I asked to be on a income based plan.. they put me on an income base plan they said I had to make payments for 300 months and send in XXXX paystubs annually.. thats fine.. but every 2 years they have me dealing with other companies through them and they make my payments start over.. telling me to pay amounts I cant afford to get started with their plan.. I didnt catch on to what they were doing until the last time when Navient took XXXX out of my account out of the XXXX I had which made me not be able to pay my bills and still got me behind till right now.. I called Navient and they told me I had to switch plans to XXXX XXXX XXXX and they will get on a payment plan bc Navient has been having a lot of complains lately..They told me the only way to not get that much money taken out is to deal with them, so thats what Im doing.. Something is not right though and Im tired of my months having to start completely over

Company response to consumer: Closed with explanation