BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-08
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX called my son XXXX  XXXX based on information that he got social security. She illegally looked in our checking account to see our income status then she yelled it out in our neighborhood that we were poor & she made more money than I will ever have. Then she falsely accused me of harassing her & getting her co-workers involved in committing crimes against me & my son. Then she made the comment why don't I take my " XXXX XXXX son back in my home ''. So how am I harassing her when she called my son that hate slur based on financial information in my checking account & how he was receiving social security XXXX. She was the XXXX harassing men and my son & what authority did she have to tell me what to do anyways on my own property. XXXX doesn't want me to have a thing because I am a single female who earned my own home from work I was XXXX years old at the time this happens. So naturally, the police were siding with XXXX XXXX. XXXX convinced wells fargo I harassed her & had my new checking account closed on XX/XX/2015. Wells fargo knows I'm innocent but they want to side with her. I am the victim of XXXX & XXXX XXXX. I can sue them for defamation of my character because they refuse to settle. XXXX XXXX has ruined my life for no reason.

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 2021-06-30
Company: Account Control Technology, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On I discovered ( Account Control Technology , Inc ) had been re-inserted into all my three credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification, without my knowledge of this account. I've proof of account was deleted and reappearing. Please delete this item immediately.

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 2022-09-02
Company: Experian Information Solutions Inc.
State: SC
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:
Pursuant to 15usc1681b no permission to post anything. I, the consumer controls what goes on my consumer report. Fraudulently placing is grounds for imprisonment and or {$1000.00} per violation.

Privacy law broken according to The Privacy Act of 1974 ( 5 USC 552a ) protects personal info held by FEDERAL GOV'T by preventing unauthorized disclosures of such info. Individuals have the right to review such info, request corrections, and be informed of any disclosures. 
I have not applied for anything, on the XXXXXXXX XXXX accnt or the XXXX XXXX ACCOUNT in collections with receivables XXXX XXXX. 
Medical is a HIPPA violation that should ONLY be discussed by the consumer and the facility, according to 15usc1681a ( i ) ( 2 ) sharing with anyone else is a violation and against privacy laws as stated above. It is a fact, affiant is aware, medical can not include. 
XXXX I never opened a bank account or had a credit card. When I called they couldnt even find a bank account. I am not military. This is fraudulently opened somehow. I filed a FTC report and been fighting to get this removed. They never provided and validation proof of the account. How is any of these account verified. A bill isn't justifiable either.

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 2017-06-14
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On Wednesday,  XXXX   XXXX , I initiated a wire transfer withdrawal from an online stockbroker in the amount of {$9700.00} for deposit into  XXXX  ( the online crypto-currency exchange owned by Coinbase ). Both  XXXX  and  Coinbase  's websites clearly state that wire deposits will be credited same-day if completed before  XXXX  PST. They also charge a significant fee for this expedited funding method.     It is now Wednesday,  XXXX   XXXX , and the funds have not been credited to my account. In addition, none of my inquiries have been responded to.     I was charged wire transfer fees by both my online stockbroker and  XXXX /Coinbase, missed out on valuable trading profits, and still do n't have my {$9700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Open Date XX/XX/2017 Balance : {$0.00}

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 2019-08-29
Company: ProCollect, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The balances and information that this collection agency is reporting is inaccurate. The same original creditor is reporting two different balances and the two separate charges for the same thing ( two separate amounts ). I've reached out to the collection agency and the original creditor to resolve issue. Original creditor can not tell me what the balances are. Regardless of terminating lease early, they can not verify what the balance is for and what the other collection company is collecting for. Of course the collection agency is going to stand firm that the information is correct, it is not! I will be seeking legal action against these people.

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 2017-09-01
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid in full this XXXX XXXX account but they have not updated my credit report. I have also sent copies of the paid receipt to all 3 credit bureaus and it still has not been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: TD BANK US HOLDING COMPANY
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I purchased a XXXX  XXXX XXXX from XXXX Grapevine in XX/XX/XXXX. Dealership could not work with my local credit union since it was in another state and secured financing through TD Auto. I refinanced the vehicle through XXXX XXXX XXXX in late XX/XX/XXXX/early XX/XX/XXXX. In the process of applying for a new mortgage, I pulled my credit report and see that TD Auto is showing a {$44.00} balance. TD Auto has been less than forthcoming and somewhat deceptive. They tell me that they have no record of quoting a 10 day payoff, but they are telling me that when they received the payoff from XXXX, it was 3 days late. XXXX has records showing the check was mailed in plenty of time, but TD Auto has been unwilling to work with me and waive the {$44.00} fee. XXXX XXXX has said that do not waive these fees. Then they said they can not. Then finally they said that they just don't want to. They have me over a barrel for {$44.00} on a {$70000.00} loan and are unwilling to work with their customer. They have also been unwilling to expedite this account updating on my credit report and unwilling to provide me with a letter showing this has been paid off. My mortgage broker wants this to show as paid off & closed on my credit report to boost my score a few points and secure me a better interest rate. I may end up paying a higher interest rate because TD Auto does not care about their customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-20
Company: EQUIFAX, INC.
State: TN
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 XXXX, account XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: TX
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: QC HOLDINGS INC
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I have 9 payments due on the XXXX of every month from XXXX to XXXX. I am suppose to call or come in and pay. I haven't had to call or come in and pay because the money is coming off my account with out my approval. And on the wrong day. Today is the XXXX  and money has been taken out of my account.

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 2022-01-11
Company: Coinbase, Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Hello about three weeks ago my Coinbase Wallet was hacked and compromised for {$30000.00} on Wednesday, XX/XX/2021. It was all of the money that I had saved over the past few years and the hackers were able to transfer my money to a private wallet without my knowledge or consent I was also not alerted until I checked my account and saw it was at zero! I have complained about this to Coinbase and they have stated that they have nothing to do with this and because its my private wallet that makes it a decentralized platform meaning you are your own bank and you are responsible for all the losses that come with it. I just want justice to be served and I am hoping that I will be able to receive my hard earned money this is been XXXX XXXX XXXX XXXX on my body and its cost me to tap into a XXXX  XXXX that Ive been battling with on and off since the event happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
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: Information belongs to someone else

Complaint:
Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: TCF NATIONAL BANK
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Someone stole my information out my car and I filed a police report for the fraud on my accounts and I set up fraud alerts to my social Security number

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I am disputing a credit card lawsuit with the plaintiff as XXXX XXXX being represented by Weltman Weinberg & Reis. I was served papers by the county Sheriff around XX/XX/XXXX with a motion to sue stating that I owe a balance of XXXX but the paperwork did not have an itemized breakdown. I responded back within the 20 days given asking for validation of the debt. However I did not hear back from the law firm again until XX/XX/XXXX with a motion to move the court case to my current county of residence. At this time, I asked a lawyer for help with whom I thought had settled the case due to the lawyer finding discrepancies in the paperwork and process. However in XX/XX/XXXX I received another motion from the creditor asking for a judgement in the court for the amount of XXXX ( a change in the amount owed ). This time the paperwork included more information however the itemized statements still do not add up to XXXX and are not easily legible. Also the paperwork has an address that I have never lived at. I responded to this motion as well and recently received paperwork stating that I now have a court date set for XX/XX/XXXX. 

I am not aware of the date that this credit card was opened and the amount owed has shifted from XXXX to XXXX. I received a response from law firm of the debt being validated but never received proof of the debt such as original contract with signature and a complete list of itemized charges totaling the alleged amount owed. I attempted to call XXXX XXXX XX/XX/XXXX but they stated the account is being held by Weltman, Weinberg & Ries. XXXX XXXX did offer to open a dispute due to the discrepancies however someone recommended to put a complaint in with CFPB due to in the past the law firm has taken over 1 year to respond to previous request and I now have a court date set.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The bank lied on their last response. I asked repeatedly for access to my online account so that I can make payments to the delinquent XXXX XXXX XXXX  account. They say in writing in their last response that they took an offset out of my checking to bring my account current, and they did, but they never gave me access to my online account. They also say that if I make a payment and bring my account current, they will give me access to my online account in question so that I can make payments. You can see this for yourself in their response. They contradicted themselves in this response. I want to be refunded all the late fees they took, and I want the account put back online so that I can make payments to 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 2023-04-12
Company: Experian Information Solutions 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 {$3000.00} # XXXX, XXXX XXXX {$600.00} # XXXX has violated my rights. 15 U.S.C. 1681 Section 602A. States I have the right to privacy 15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer agency can not furnish an account without my written consent

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 2020-12-03
Company: Experian Information Solutions Inc.
State: PR
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 XXXX XXXX now XXXX XXXX  XXXX XXXX XXXX is affecting my credit scores since they informed that I have 3 months in past due after being affected by natural disaster. I completed my 3 months moratorium after the Covid19 started. I started paying my loan as soon as the moratorium ended. I have never pay late this mortgage during 14 years. When I visit the bank in two times with appointments they told me that they are going to check since on their computer they don't have late payments reflected. Then why my score drop down 75 points in one week and when I checked it was them reporting late payments.I visit them on XX/XX/2020 and one employee told me that she was going to pass the information of my claim to a supervisor but she did not give me a case number or a phone to call for follow up. They never answer the phone and is only an answering machine. Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have made numerous attempts sending letters demanding that XXXX  and experian follow the law and removed several accounts from my credit report. These two bureaus are in violation of 15 USC 1681 section 602, 604, 15 USC 1681c a5, and 1681s-2 a1. This is my last attempt to settle this matter outside of court. If XXXX and experian do not follow suit as XXXX has by removing the accounts that i demanded be removed i will be filing a claim against experian and XXXX  for multiple violations of the laws above. Thats {$1000.00} per violation

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 2021-02-08
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received an alert on my credit report that I had a delinquent account. We I looked to see what it was I found that Nelnet loan services reported the delinquency. I contacted Nelnet by phone and also went online and immediately paid the bill. I explained to the person I spoke with that I was under the impression the loans were deferred due to the COVID-19 pandemic. The lady asked if I was active duty military  or in school at the time which I stated NO. She then said there was nothing she could do for me. I stated that I had not received a voice mail or email regarding this. Of course, she stated that they attempted to call but I had never received a voicemail. I believe this should be wiped from my record due to a misunderstanding with all the COVID related info coming out and confusion this is causing. I would appreciate any help with resolving this matter as I was just following the federal governments information being distributed to everyone and I immediately took care of the situation upon discovery.

Company response to consumer: Closed with explanation