BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-08
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:
I CONTACTED THE COMPANY XXXX XXXX XXXX ON XX/XX/XXXX REGARDING THE ACCOUNT INFORMATION BEING REPORTED ON MY CREDIT REPORT ALL THREE CREDIT BUREAUS HAVE SENT LETTERS SAYING THAT THE INFORMATION WAS VERIFIRED AND ACCURATE ACCORDING TO THE FCRA. I SPOKE WITH CUSTOMER SERVICE REGARDING ACCOUNT # XXXX AND WAS TOLD THAT THE ACCOUNT WAS PAID IN FULL BUT WAS CONSIDERED A CHARGE OFF BECAUSE IT WAS NOT PAID WITHIN THE AMOUNT OF TIME FOR THE CONTRACT. THIS HOWEVER IS INCORRECT INFORMATION IT REPORTS THAT THE CONTRACT STARTED ON XX/XX/XXXX. BUT IN THE CONTRACT IT IN FACT STATES THAT THE CONTRACT BEGAN ON XX/XX/XXXX. REPORTED TO THE CREDIT BUREAU IS AMOUNT OF XXXX BUT, IN SAID CONTRACT THE AMOUNT IS XXXX. THE COMPANY FAILED TO REPORT THAT THERE WAS A SWITCH IN VEHICLES AND DID NOT UPDATE THE CONTRACT TO REFLECT THE NEW VEHICLE OR THE NEW CONTRACT. ALL INFORMATION BEING REPORTED IS FOR A TOTALLY DIFFERENT VEHICLE IN WHICH I DID NOT OWN. HOW DID THE CRA NOT CATCH THIS INACCURATE REPORTING OF DETAILS? THERE WAS NOT A PROPER INVESTIGATION CONDUCTED OR IT WOULD HAVE BEEN CAUGHT.MY CR SHOWS A CHARGE OFF OF XXXX BUT THERE WAS A REFUND SENT AFTER THE END OF THE CONTRACT WITH 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 2017-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
CFPB this has turned into an extended process in my attempts to have the Credit Reporting Companies to correct and remove incorrect and erroneous information. It has been my experience that the Credit Reporting Companies take turns in providing your Credit Information when an Inquiry is made. Trans Union and XXXX has removed the erroneous XXXX XXXX / XXXX XXXX information while XXXX continues to report and share the outdated information. I sent the XXXX XXXX Notice dated XX/XX/XXXX to all 3 Credit Reporting Companies with my response datedXX/XX/XXXX. Attached is the XXXX denial Notice for credit dated XX/XX/XXXX indicates that the information that was used was provided by XXXX. The some of information that was offered by XXXX is attached to the bottom of the Notice. I have never offered an explanation from any of the 3 Reporting Companies how or why the account could be closed for 3 to 4 years depending on which date is used for the closing of the account why or how payment activity was being reported from XX/XX/XXXX thru XX/XX/XXXX. Attached to that Notice is that erroneous information that continues to be shared and reported by XXXX when Trans Union recently removed the information while XXXX had long removed the history. Currently being reported by XXXX XXXX XXXX is an account that is 30 days past due when the account was closed in XX/XX/XXXX with a XXXX balance. After almost 2 years of payments when the account was closed even the XXXX and XXXX reporting show that the account was ok.XX/XX/XXXX XXXX XXXX XXXX started reporting that the account was 30 days past due. This type of erroneous behavior by the Banks must not be tolerated, first XXXX XXXX and now 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 2022-08-26
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:
I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. 
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. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/2012 Balance : {$930.00}

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 2022-01-14
Company: ProCollect, Inc.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Myself and my partner rented an apartment for 1 year from XXXX XXXX in XXXX Nc. We relocated due to 3 family deaths to XXXX XXXX, Iowa and our move out report was an excellent report. Then 45 to 60 days after departure they tried to charge us nearly {$500.00} for carpet replacement for contractor grade carpet for a 12 x 12 bedroom. We were not told this at moveout otherwise we would have paid for the carpet and taken the remnant. We told the company numerous times that we disputed the amount and wanted to see the carpet personally as we have senior family still in the area. Then they sent the account to Pro Collect of whom we both disputed the debt in it entirety. We have disputed for 2 years and all they do is say " owed '' with name of original creditor. We have made XXXX  complaints on both companies, and due to family tragedy my partner had to file bankruptcy and they still tried to collect from him until his attorney threatened FDCPA violation lawsuit. 
Pro Collect XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, NC XXXX ( XXXX ) XXXX This was also reported to the Iowa Attorney General office attention XXXX XXXX on XX/XX/2021.

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 2018-01-08
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was being charged {$2000.00} a year for auto insurance with XXXX XXXX which is outrageous. They raised my premium due to an accident that was clearly not my fault. 
So, I found a policy with identical coverage for {$1100.00} a year and the new insurance company started on XX/XX/XXXX. My insurance with XXXX was paid to XX/XX/XXXX. 
I DID NOT authorize XXXX to continue my coverage and it should have been cancelled for non-payment and instead, they chose to continue my insurance WITHOUT my authorization as I just found out over this last weekend by receiving a notice from a COLLECTION Company! This is WRONG WRONG WRONG. 
All 3 of my credit scores are VERY HIGH and I have worked very hard for that. This is injuring my credit history and XXXX XXXX ( Who is the Insurance Broker ) need to correct this and have it removed from my credit history.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. I recently learned that my information was used to open an account with Care Credit. I did not authorize or open account. I had previous account with Care Credit, it was paid and closed in XX/XX/XXXX. I was made aware of unauthorized account when I received bill in the mail for {$4600.00}. The charges were for XXXX XXXX provided for a XXXX XXXX XXXX. I have no knowledge of this person. I called Care Creit onXX/XX/XXXX I spoke with XXXX, and was advised that he would close account and I would receive. Fraud package in the mail. On XX/XX/XXXX I made a second call to Care Credit. I spoke with XXXX in the fraud Department. She confirmed that the account was closed HOWEVER It was NEVER referred to fraud department. I am still waiting for that package. I have filed. Police a Report with XXXX XXXX XXXX. I made a third phone call to Care Credit onXX/XX/XXXX and spoke with a XXXX, still no package .I did receive a letter from Synchrony Bank stating they had closed my J C Penney account. I  closed this account inXX/XX/XXXX. My credit report also shows the account as closed. Synchrony Bank is provider for Care Credit as well. I feel that they are giving me the run around. I ask for a fax number for the Fraud Department, and was told there is no number. I do not want this on my credit and I did not wish to pay for charges I did not authorize.

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 2019-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I just received another can letter from your company stating that you already verified the account listed below. Ive already stated that Ive been a victim of identity theft. How can you verify a fraudulent account. Please review my documents and remove these accounts 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 2019-04-20
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had to put a stop payment on american Express because they were putting in their payments automatically when there was no money in the bank. Then when I made a deposit to cover the bills they still were doing it and XXXX was charging me every time they did it so I put a stopped payment on the account and now I lifted it on the phone with the three way with the supervisor, and now American Express is still charging me the stop payment fees when they agreed to pay the bills. 

Could you please have American Express list the stop payment fees as there was money in the bank but they refused to pay it when I called it in to XXXX Bank. I am waiting for XXXX on the neck and can not run to XXXX Bank to lift the stop payment in person so since XXXX   promised to lift the stop payments American Express is still charging me for it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-27
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Charged multiple over draft fees

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am submitting this complaint because I am being extremely affected by CREDIT MANAGEMENT , LP, They are being completely unfair and I dont know how to get ahold on them but through this portal. 

This what happened : I sold my home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX in XXXX of XXXX where I was listed as the account holder with XXXX XXXX XXXX After moving they generated a final bill which was never relayed to me. Although we moved to our new home of XXXX XXXX XXXX, XXXX XXXX CA and started XXXX transferred our XXXX service to that address., XXXX XXXX XXXX never transferred our old bill to our account for payment which resulted in us not knowing we had an open balance showing Final bill was not sent. 

Last year the person who lives at our old house sent me some old XXXX bills, this is how I found out that there was an outstanding bill. 
In XX/XX/XXXX he called XXXX to setup payment plan. He paid {$400.00} in XXXX, I was led to believe they would take out the monthly payment automatically in an installment plan but I later found they failed to do so. 
And the collection company didnt send me any notices eithe Account information. : Date Assigned XX/XX/XXXX Original Balance : {$930.00} Responsibility : Individual Solution : Deletion account from all credit bureaus and waive the balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-08
Company: WELLS FARGO & COMPANY
State: NY
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 relieved a letter today from XXXX XXXX XXXX XXXX XXXX, dated XX/XX/17, stating my recent application for a XXXX XXXX XXXX XXXX credit card, which is issued by XXXX XXXX XXXX XXXX XXXXk, was denied. The problem is I have never filled out an application for this credit card, or any other credit card for that matter. I never authorized anybody to run my credit score, nor did I ever fill out any applications from wells Fargo bank. 
The credit agency that ran my credit without my approval is 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 2022-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I went on XXXX ( a website authorized by the federal government after taking a personal finance class for young adults ) - for my credit report. On XX/XX/2021, I signed up for TransUnion to get my free credit report- however, the company required my credit card information and mislead me into signing up for a XXXX dollar a month membership instead. 

I found out that I've been billed 5 times ( XXXX dollars in total ) I called Customer Service and got a partial refund for 4 months but not the first. I explained that I was misled into thinking I'd get a free credit report ( and that I needed credit card info ) but they wouldn't give it for the remaining XXXX dollars. 

Additionally when I cancelled my subscription online- they offered a XXXX subscriptions in huge letter and a small text to cancel the subscription. This is very misleading

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 monetary relief
Consumer complaint received 2022-08-11
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have an amazon 5 % card. In XXXX it showed I had XXXX cents in rewards. I log in today and it shows XXXX rewards.

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 2022-01-14
Company: C/C Financial
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent debt validation letters to Preferred Lease twice as well as disputing the incorrectly reported information for a Lease for a mattress that was only {$900.00} that now says it is {$2500.00} plus what was already paid. Preferred Lease has not answered phone calls or emails, or replied to debt validation letters. I have received no contact and yet they continue to report the debt as valid to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This account is inaccurately and erroneously reported. I want to request for an investigation of this account. ( CAPITAL ONE XXXX Opened date : XX/XX/17 Balance {$350.00}, CAPITAL ONE BANK USA N ***** Opened date : XX/XX/17 Balance {$350.00} ) This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a balanceindicating on the statement if its a charge-off? The balance is truly incorrect, if possible, replace it to 0 or eliminate the item certainly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Coinbase, 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:
Hello, On Saturday XXXX XXXX XXXX 2017 I changed my phone and lost my XXXX authenticator app. I followed the dedicated path on coinbase support ( I tried incognito too as suggested ) : 1. Unable to submit a one-time code? 
2. I have lost my Authenticator App 3. Completing the steps to recover my account : phone number - id verification - overview When completed I receive the following email : " Your identity and photo have been verified Success! Your identity and photo have been verified. '' If I click on the " buy digital currency '' button I am redirected to the login page, having the exact same issue, and being unable to login because the authenticator code is required. 

I do n't have the secret seed stored anywhere. 

This is the support link, but the procedure described as " If you 've lost the device with your Authenticator app and DO NOT have access to the secret seed code '' is not working because, as I have described, I am stuck in a loop : XXXX XXXX XXXX XXXX XXXX XXXX Although i received an email to say that my documents have been verified i still ca n't log in. When i type in my user name and password it prompts me for my authenticator code. however, i ca n't get that because i ca n't install authenticator on my new phone because the barcode i need to scan is on coinbase once you log in ( chicken and egg situation ). '' Coinbase support, when answering, suggests to log in the account and change it from the settings, which is impossible. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: WELLS FARGO & COMPANY
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:
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.When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 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 delete from erroneous reporting in my file are listed on my credit report : WELLS FARGO DEALER SVC XXXX Date Opened : XX/XX/16 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 explanation
Consumer complaint received 2019-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have received a notice from XXXX XXXX about a inquiry that originated from Bank of America on XX/XX/2019 i then reached out to Bank of America attempting to find out what type of account or application this inquiry is in connection with i then learned it was Bank of America small business credit card team. I then spoken with customer service explaining to them that the account that was opened was in connection to a fraudulent application using my personal information that i was not aware of into XX/XX/2019.

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 2022-10-04
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: Credit inquiries on your report that you don't recognize

Complaint:
My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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