BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
State: CA
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 am appalled by the Credit Bureaus ' inability to verify the disputed account on my Credit report despite the multiple letters I have been sending to them! How many letters would it take me to send to them in order for the Credit Bureaus to update and correct the status of this account? Once again, I am NEVER LATE in paying with this account. I have my own record of payment history to ensure the data athat the Credit Bureaus and the creditor present is accurate and not erroneous. The information they present does not match with what I have! I am requesting that the Credet Bureaus stop this erroneous reporting and correct this account to report accurate information on my Credit report! I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining account to be corrected : XXXX XXXX XXXX XXXX : {$290.00} Date Opened : XX/XX/2020

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 2021-10-07
Company: BCI FINANCIAL GROUP, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Greetings, This is a ongoing problem that's caused serious hardship. I have been with this bank since XXXX. I have all my statements. I asked for help but here 's a list of unjust treatment : 1.Allowing double billing from XXXX XXXX  XXXX 2. Allowing payments to be honored even when proof was given 3. Refusing to complete complaint form- stating it is a " merchants accounts '' and they don't get involved.

4. Ghost billing- taking money out of my account twice- for example- held {$1400.00} and {$1700.00} in the pending category which CAUSED a NSF. However, why? I only have one car and showed them my original contract but that didn't matter. The only thing posted was the {$1400.00}? But the {$1700.00} is lost somewhere in banking heaven. It was held, and never returned. This transactions doesn't appear on the original bank statement. But I have proof.

5. I deposit {$400.00} cash in the ATM but it didn't posted into my account. I brought this to the bank 's attention and showed the receipt. They put it back but later took it out. I only found this out later. I want my {$400.00}.

6. The deposit are received and posted on different days, which caused NSF 7. The monthly charges are different 8. Refused to give me Disclosures forms. 
Dates XX/XX/XXXX billed XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ATM This has cost my business a great hardship. I was told by the representative " the bank consider you a risk ''. Asked for more information and disclosure. They refused. This is my business account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Please someone help me. My money has been stolen and Wells Fargo allowed someone to access my account and take all my money. Around 2 years ago Wells Fargo reached out to me and told me that someone had information, all my information and was conducting transactions on my account. Which at the time I closed that account and opened a totally new account. There was a password placed on my account and I was ok for a while. Some where along the way my password was removed from my account. And the fraud started again. I have had to file multiple claims on fraudulent transactions on my account. I have a XXXX and I told Wells Fargo about this and they still continued to ignore my cried for help. I told multiple tellers that something was going on with my account which they assured me everything would be ok and taken care of. Which was a lie. They let someone once again steal all my money and said it was me. Totally unfair and not true. I want to close my account but I really need help as again I have a XXXX and Wells Fargo has fully taken advantage of me. They fully knew that someone had and still apparently does have access to my information because they are the ones who alerted me. Please someone help me as I have nothing now because of me trusting in Wells Fargo and them continuing to lie to me and telling me they will protect my money. I have been a Wells Fargo customer for over 15 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
There is a company that contacted me, advising they were capital one finance and that I was approved for a loan, text my cell # and advised to call back. Upon calling the XXXX to inquire about this so called {$10000.00} approval, the foreign sounding over seas gentlemen had my last four of ssn #, address, date of birth and checking information, which is scary. Stated that he was from Capital one and asked a few questions then advised I was approved and the money would be deposited into my checking account, I started to feel leery and begin to probe, and ask for the loan documents to be emailed to me for review and signature. I received a generic email from XXXX XXXX he used a XXXX account- first red flag and the document which I have a copy, is illegally using capital one logos, however the other red flag since I used to work as a XXXX XXXX in the XXXX  industry is that it did not address my name, only Hello, it did not list the agreed upon amount and the breakdown was generic, which is violating the TILA as all terms should be clearly stated, which led me to believe fraud, also they list a senior loan officer but underneath his name is a payday advance company then it shows a finance partner of capital one, yet all the pages on the pdf document is illegally using capital one logo, which I have a credit card and checking XXXX so I am very familiar with capital ones letters and ect. This is scary because they have all identifying and monetary information and I was just lucky enough to identify a scam, but I am sure they have damaged other people and possibly committed monetary fraud on their accounts,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
State: FL
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:
For the last XXXX months, I have been sending certified letters in regards to the XXXX XXXX and XXXX XXXX to all three bureaus, Experian XXXX XXXX XXXX and XXXX XXXX I have sent multiple letters in regards to a filing error that I noticed on my credit report. According to the FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

There is a clear discrepancy between all three bureaus in the payment history. XXXX is reporting a 30-day late, for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX while XXXX and Experian reporting an on-time payment. XXXX payment history is also incomplete. The dates for 30-day and 60-day are not consistent throughout all three bureaus.

I will attach the letters that I have mailed out, as well as screenshots of my credit reports. 

I am demanding that all payments are updated to paid-as agreed, as the payment history is not consistent. I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge.

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 2019-11-26
Company: EQUIFAX, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Collector, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ( XXXX ) XXXX I do not believe that I owe this debt or what you say I owe. 
Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

( emphasis added ) I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Maine ; 5. proof of the  last payment made on the account. 
I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. 
You can not add interest or fees except those allowed by the original contract or state law. 
Any attempt to collect this debt without validating it violates the FDCPA. 
Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX. 
I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ), then you must immediately inform them of my dispute with this debt.

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. 
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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 2022-08-16
Company: Experian Information Solutions Inc.
State: NJ
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA XXXX05B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I bought 50 % of a tavern on XX/XX/XXXX. An employee of Wells Fargo notarized the sales contract and added me to the Tavern 's business bank account. The previous partner had to personally come into a branch of Wells Fargo and sign off to be removed from the Tavern 's business bank account. Wells Fargo sent me a debit card for the joint business bank account. My business partner began stealing money as soon as I deposited it into the account on XX/XX/XXXX. I realized buying half this tavern was a mistake & saw an attorney, who set up an appointment with the district attorney. While under investigation, my partner went into a branch of Wells Fargo in early XX/XX/XXXX and told them I was no longer a partner. Wells Fargo did not contact me and did not ask me to sign off the account. ( which I would NOT have done because I'd paid {$20000.00} six months prior to buy half this business & I was a 50 % partner & joint owner of the bank acct ) I could not get into the account online so I went to the branch of Wells Fargo we used. I was told I had been taken off the account & when I showed the teller my debit card, she grabbed it and said you are no longer on this account. Wells Fargo had no business removing me from the bank account, or taking my debit card. My business partner changed the locks on the tavern ; the district attorney decided this was a civil affair & I did not have the money to pay another lawyer. My partner ran the business into the ground by pocketing the proceeds over a period of nine months & I could not do anything because Wells Fargo removed me from the business account I owned jointly and had never signed off of. 
I am not attaching bank records because Wells Fargo already has them. I have all the original POS slips & receipts from XX/XX/XXXX through XX/XX/XXXX which shows the profits of the Tavern & they will be shown to Wells Fargo or to a lawyer.

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 2019-11-26
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Freedom Mortgage notified my real estate agent on XX/XX/2019 that the foreclosure activity was on hold to allow for review of the short sale I requested. The representative who advised of the hold is named XXXX and she stated her ID number is XXXX. Unfortunately, when they called back today, they were told my file was kicked out of review and my home is immediately going to foreclosure sale on XX/XX/2019 without time for us to process the short sale. As the hold was so quickly removed, we do not have time to counter the buyers, obtain an appraisal on the property, or even for me to find a place to relocate, as this is my primary residence. I am shocked and hurt that Freedom would be so predatory and deceitful, as to tell us one thing, only to recant a whole week later with such insufficient time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/XXXX, I purchased XXXX LTC from Coinbase (worth $XXXX USD at that time). My savings account did not fulfill the purchase, even though I explicitly authorized it, but the LTC was delivered to my wallet by Coinbase.Since XX/XX/XXXX, Coinbase has notified me of an "Issue with Recent Buys" that requires me to reimburse them for the $XXXX USD that never cleared. I am willing to do this, and repeatedly have tried, but either nothing happens (when I attempt to pay via bank account or credit card) or receive an error message that reads "There was an error processing the payment, please choose another method"  (when I attempt to reimburse the $XXXX via LTC).This means that, since XX/XX/XXXX, my money and digital currency has been locked in the account. I cannot trade, withdraw, deposit or otherwise transact with the platform. I have called customer support 5 times and spent over 6 hours on hold, as well as submitted an email ticket, each to no avail. I need this resolved *immediately* due to the volatility of cryptocurrencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
XXXX is refusing to refund for concert tickets I purchased in XX/XX/2020, and has held my money XXXX interest free. It was a total of XXXX XXXX I wanted it put back on my American Express card on file IMMEDIATELY. I am tried of wait,. They have no customer service, email support has ignore me multiple times, with the latest email I sent 2 weeks ago no response,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been fighting TransUnion & XXXX  about and account that should not be reporting on my file. There are two XXXX Accounts one with a partial account number of XXXX reports opened XX/XX/XXXX and the other is XXXX which shows opened XX/XX/XXXX both are indicating I was an authorized user and at no time did I ever apply or hold an account with XXXX. Why are these still on my credit report?? They are not mine, I never gave consent and they need to be removed. Anyone can put a person on their account without the knowledge of a person and then go late and then it effects their scores? THESE WERE NOT MY ACCOUNTS!

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 2021-06-07
Company: Experian Information Solutions 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:
Sent letter in to XXXX stating that XXXX XXXX is misinforming, they sold my account to a collection agency in which I settled the balance with and they are still showing as I have a {$280.00} balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I'm getting a steady stream of 'rejection letters ' from Comenity Bank of XXXX XXXX Ohio XXXX despite never once giving them permission to look into my credit let alone actually applying for credit with Comenity Bank XXXX I've contact them on many occasions over this matter and it has no where with them. This steady stream of unsolicited inquiries into my credit/ rejection letters has not hurting my credit history but also my repuation. I've contacted the Attorney General of XXXX the XXXX  of XXXX twice/ the credit bureaus on many occasions/ and this third time I've contacted this department about this very same issue and has gotten nowhere

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-31
Company: JPMORGAN CHASE & CO.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I filed a complaint with the CPFB regarding a mortgage application with Chase. The company responded today. The letter is attached. The letter clearly states that if I withdraw my application I am not eligible for a refund. I have been pressured multiple times by XXXX XXXX XXXX and XXXX. XXXX XXXX to withdraw my application which would then make us ineligible for a refund. We are seeking a refund of our {$500.00} " Good Faith Funds ''. XXXX XXXXXXXX XXXX in multiple instances misled us, lied and fabricated information. He verbally told us our rate was locked and then subsequently told us it wasn't because of a Chase computer glitch. He then offered to call me everyday to review treasury market data to insure that we received the lowest rate possible. The rate later increase to 3.0 % from 2.625 %. We are seeking a refund of our " Good Faith Funds '' as a result of his fabrication and misleading statements.

Company response to consumer: Closed with monetary relief