BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-30
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
When I closed out my account at Wells Fargo Bank approximately 4 years ago, evidently I had a charge that came in after the closing for {$83.00} of which I had no idea of and had no notification of it as well. When I found out about this a couple of months ago it was because I was refused a bank account being opened for me at another bank and this showed up on my report from the bank for the reason I was denied. If you can believe it, the amount had grown to over {$800.00} with the interest that has been charged over this 4 year period and I refuse to pay the {$800.00} but I did offer to pay the {$83.00} to no avail when I called Wells Fargo to inquire! The actual person I spoke with told me the details and revealed, as stated above, that it was for {$83.00} originally but had grown to over {$800.00} because of all the interest added on by Wells Fargo!

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 2019-04-30
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received 2 letters from US Bank dated XX/XX/19 stating that effective XX/XX/2019 " In According with your Deposit Account Terms and Conditions, please be advised that we have elected to close your deposit accounts. '' No further explanation given. I had both business and personal accounts with the bank for several years, in addition to 2 credit cards. Accounts were in good standing and I have near-perfect, 800+ credit.

I went to the bank on XX/XX/19 ( That was the soonest business day I could make it to the bank I was out of the country on vacation with my family when the letter was mailed ) to collect funds as outlined in their letter and bank informed me the account had already been closed and they would MAIL my funds in 7-10 business days! I run a XXXX XXXX and having my funds confiscated in such a manner poses more than a slight inconvenience. When I tried calling the Account Closure Department after visiting the bank, they were closed. 

Furthermore, I have lost all access to online statements which I need for my records ( I don't even have a current balance ). In addition to the funds in my checking accounts ( business and personal ) I also have a pending item which will yield a credit balance of {$700.00} DUE TO ME on one of the credit cards. 

I am asking the CFPB help with the following : 1. Compel US Bank to provide a SUBSTANTIVE reason why my account ( s ) were terminated, as I strongly believe I did not violate any terms and conditions 2. Help insure my funds are returned IMMEDIATELY 3. I would like to restore access to my online statements and also be provided a closing statement ( paper copy ) 4. Make sure there is no derogatory remarks on my credit US Bank has not acted honorably, and in light of such, the decision to terminate our business relationship, I assure you is mutual, however I would really like to get my money back without further hassle or delay.

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 2018-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I notified both XXXX and Transunion that there is an incorrect late payment for XX/XX/2018 for my mortgage with XXXX with both credit reporting agencies. Both credit reporting agencies told me the information could not be changed because XXXX would not correct the information. I notified XXXX and was sent a letter from them verifying that I was NOT late for XX/XX/2018. I would like both my Transunion and my XXXX reports be updated to display the correct information on my credit reports immediately. In addition, since my scores on both reports dropped considerably because of this late notation, I would like to be rescored to reflect the updated information.

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 2019-04-30
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
JcPenny Credit Card company sent my debt to collection agency XXXX XXXX XXXX XXXX. representing Synchrony Bank. On XX/XX/XXXX I paid a payment for {$580.00} on an arranged payment plan to resolve the debt that I owed to Synchrony bank with the agreement that they report the balance as settled in full and balance reported as paid or XXXX to all 3 credit bureau 's. However ; Synchrony bank refuses to report debt settled and as XXXX balance. Synchrony bank stated on XX/XX/XXXX via phone that the debt was charged off and not resolved. I have disputed this with the credit bureau 's and they state Synchrony bank reports the debt as accurate.

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 2018-05-07
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I was charged late charges that shouldn't have been charged. I have been using my bank XXXX to make monthly payments since XX/XX/XXXX and for the past 11 months, the payments got processed with no issues but in the XX/XX/XXXX payment was returned by TD Auto Finance back to XXXX for reason of " unable to apply payment '' so I was charged a late charge for XX/XX/XXXX. However TD had no issue applying the XX/XX/XXXX payment from XXXX  with exactly the same information printed on their check as the XX/XX/XXXX payment so the fault of not being able to applying the payment to my account should be with TD Auto Finance. I already made payments to make up for the returned payment but TD will now want to charge me late charges. After talking with them, they will only waive the late charge of one month as they charged me late charges for XX/XX/XXXX and XX/XX/XXXX. So I still ow them {$54.00} of late charges. I feel they just want to money from consumers on late charges and in this case I made the payment and the returning of the payment shouldn't be the reason that I was charged a late charge, espeically I have been paying on time all other months since XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-12
Company: Diversified Consultants, 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: Information belongs to someone else

Complaint:
I have reached out to this company with no resolution, this account does not belong to me it is also reporting a address I have never lived at.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-30
Company: ERC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I ran my credit report as I am in the process of purchasing a home. I notice there was a negative mark on my credit report for a unpaid debt for XXXX XXXX, a cable company. I contacted XXXX XXXX to solve this issue. 

The original creditor, XXXX XXXX sent me an invoice for the amount of {$270.00}. Payment was sent immediately to them, payment cleared the bank on XX/XX/2019. Per the rep, the account was paid in full now. 


On XX/XX/2019, ERC, collection agency send me a Collection Notice for the amount of {$82.00}. On XX/XX/2019 I sent ERC a dispute/validation letter for this amount ( sent via certified mail ). They sent me an old invoice of {$510.00}, which does not explain a detail explanation of the amount of {$82.00}. 

On XX/XX/2019, I called ERC to let them know that the account was paid in full. The gentleman at ERC has not intentions of doing anything about the situation, they still want this amount to be paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX  and Equifax are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: AFNI INC.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXXXXXXAFNI ( Original Creditor : XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
on XX/XX/XXXX I used XXXX  to send money to Coinbase to purchase a cryptocurrency ( XXXX  ) the transaction went thru on XXXX  side and my coinbase account showed the money being transfered and being used to purchase the XXXX. However Coinbase never credited the XXXX to my account. I followed their customer support instructions but rather than crediting my account they keep closing the compaint. I have tried countless times to contact them both their their website and on social media. based on complaints on coinbase XXXX on XXXX  this has happened to numerous people. 
Basically coinbase has stolen money from people. earlier today ( XX/XX/XXXX ) they send me another message closing my support ticket claiming its been reseolved except it hasnt and teh XXXX is still missing

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-07
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:
I am a victim of identity theft. I am demanding immediate removal of the accounts and inquiries listed on this complaint. Equifax, XXXX and XXXX are in direct violation of 15 US. Code 1692 ( e ) False and misleading representation which has harmed my reputation and ability to be to obtain credit and conduct business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Experian Information Solutions Inc.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX US DEPT ED XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report 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 2019-04-30
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a phone call from a place saying they were attemptening to colect a debt. However I do not recall ever recieving a loan from XXXX XXXX XXXX, it is not even on my credit report. I went on there website and they can't even locate me. The so called collection company call me at my work and threatens me. THey called just today saying they would have me served at my place of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
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: Information belongs to someone else

Complaint:
XXXX, EQUIFAX AND XXXX HAS IN ACCURATE INFORMATION ON MY CREDIT REPORT THEY REFUSE TO REMOVE OR DELETE. 

INACCURATE INFO : NAMES REPORTED *XXXX XXXX XXXX *XXXX XXXX *XXXX XXXX *XXXX , XXXX, XXXX INACCURATE ADDRESSES : *XXXX XXXX XXXX XXXX XXXX, FL XXXX *XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX INACCURATE ACCOUNTS : *DEPT OF ED/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  INQUIRIES THAT ARE NOT MINE : *XXXX XXXX XXXX  *XXXX  XXXX XXXX *XXXX *XXXX *XXXX XXXX   XXXX XXXX PEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX   XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ) XXXX ... XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX first appeared on my credit report and at the register of deeds office in XXXX county N.C. as a lien holder to my property in XX/XX/XXXX. There was no lien or second mortgage on my property or credit report when I applied for a loan from XXXX XXXX in XX/XX/XXXX-XX/XX/XXXX, nor in XX/XX/XXXX when I did a home modification loan with my current mortgage holder. I have never had prior contacts about payments or any arrangements with XXXX, not XXXX cent, contrary to the statements that I last paid them on XX/XX/XXXX. 
How could this be when I get another statement saying that the statute of limitation had expired and they could bring no legal action to collect this debt. 

I only became aware of this so called XXXX lien when I applied for a reverse mortgage loan in XX/XX/XXXX from XXXX XXXX XXXX loan officer for XXXX XXXX XXXX ( loan # XXXX ). I wrote the credit bureaus and they removed XXXX from my credit reports. XXXX then contacted XXXX and requested a " Quit Claim Deed ''. After his initial contact with XXXX Rep. " XXXX '', she refused to reply to any of his repeated communication attempts ( phone calls, emails, letters, or faxes ). My loan stalls because of this unresolved issue. 

I did have a second mortgage with XXXX XXXX XXXX, but that was included in my bankruptcy ( Ch. XXXX ) in XX/XX/XXXX and should have been dismissed. My last payment to XXXX ( XXXX ) was in XX/XX/XXXX. I thought it was taken care and after more than 12 years it pops up out of no where. 

Can you help me resolve this issue without being taken advantage of? 

Please and Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: Advantage Credit, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I never authorized this company to do a hard credit check ( nor soft credit check ) on me / my credit record. It was UNAUTHORIZED. XX/XX/2017 XXXX XXXX. Never heard of this company!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: BARCLAYS BANK DELAWARE
State: AZ
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: Card was charged for something you did not purchase with the card

Complaint:
My Barclaycard Bank of Delaware MasterCard credit card account is lost/stolen and has over {$5000.00} in fraudulent charges/transactions listed on the 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 2020-05-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was made aware of a collection account from a company called XXXX XXXX today XX/XX/2020 when I was not approved for the XXXX XXXX credit card. I had no idea that this account was reporting on my credit because it does not belong to me. I never opened this account and I do not have any written/verbal contract with this company. I did not allow anyone to open this account in my name using my personal information ; I did not benefit anything from this account such as money, goods, services or any other benefit and I did not make any payments towards this accounts. I have filed a police report regarding this unauthorized account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK
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:
Ive been a victim of identity theft I'M FILLING THIS COMPLAINT FOR MYSELF someone stole my information and used it to open accounts under my name without my permission the fraud accounts are BANK OF AMERICA this account appear on my credit report does not relate to any transactions that i have made. also i was a victim of the 2017 XXXX data breach! THIS SITUATION HAS CAUSED FINANCIAL AND EMOTIONAL STRESS I WAS LAYED OFF MY JOB WHEN THIS 1ST HAPPEN AND I CANT FIND A HOME FOR MY XXXX KIDS AND WIFE!! ( 103 true identity theft ) iam a victim of identity theft.The information listed below is was open without my permission 15 U.S CODE 1681C-2 605 ( b ) BLOCK .ITEMS MUST BE BLOCK AND REMOVE IN NO LESS THAN ( 4 ) DAYS UNDER THE FAIR CREDIT REPORTING ACT,15 U.S.C. 1681, et seq. ( " FCRA ' ), FURNISHERS MUST INVESTIGATE DISPUTES RECEIVED FTC Report Number : XXXX because of jurisdictions i've listed fraudulent accounts. i also went and filed a police 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