BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-03
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, after discussions with a independent financial advisor, and in pre-planning for retirement in XX/XX/XXXX, I initiated a transfer from XXXX 's ( XXXX ) Company Stock into a XXXX XXXX XXXX XXXX. There were XXXX Shares of Stock to transfer. According to my 401K plan documents, " Before XXXX Eastern-Your transfer will be initiated at today 's closing price ( for all funds EXCEPT THE COMPANY STOCK FUND ) and should settle into your account by XXXX XXXX the following business day. The company stock fund will use an average trade price for all trades placed today and will include trade prices from the following morning if you are transferring funds from a mutual fund to the stock fund. '' The average stock price for the day was {$72.00} ( Pulled from XXXX XXXX using a query and five minute interval data ). However, Wells Fargo chose the {$72.00} as the average trade price amount. ( The minimum price for the entire day, according to XXXX was {$72.00} ) After deducting the stated transaction fee of XXXX per share ( {$730.00} ), and the SEC Fee Section 31 of 57.83. for a total of {$790.00}, this  leaves a discrepancy of {$10000.00}. 

I placed repeated calls, most of which I have documented to Wells Fargo in an attempt to get an explanation of the difference, to no avail. In fact I was stunned at how little the folks on the phone actually knew about the process. ( Which has since been confirmed with another unrelated issue ) They were quite shocked that I had been able to pull the financial data from XXXX and the only attempt at an explanation I received was when they stated " the price comes from selling stock within the 401k plan '' but then they were unable to provide documentation of the transaction as it occurred within the plan, despite repeated attempts. I have since that date retired, ( XX/XX/XXXX ) and until recently did not know that CFPB could assist in manners such as this, which is why I have not submitted my complaint until now.

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 2017-09-13
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Prior to Equifax 's announcement, XXXX had a link to freeze their credit easily. After X/XX/2017, they change the link and now are trying to hide the link behind their " monitoring system. '' This is disgusting that they are taking advantage of people trying to freeze their credit. This is a service that should be provided for free, after all THEY are the one who messed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: LD Holdings Group, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022 I received an alert that my credit was pulled. I had no Idea on who did this because I currently have a morgage loan with loan depot and have not applied for any other loan. I contacted XXXX who provided the report and they advise me that Loan Depot requested this report and had my authorization. I did not provide this authorization and they falsly requested this on my behalf. I need this resolved by this creditor but have not been able to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I am not able to access my funds on coinbase/XXXX since XX/XX/2017.

I tried contacting their customer support on phone. The Coinbase customer service representative on phone was not able to help me access my account.

They asked me to verify myself using their ID verification service, which is not working since XX/XX/2017 as per their status website XXXX. 

Coinbase Case # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I received a bill from XXXX XXXX for my XXXX XXXX  credit card. The amount was XXXX. At the end of XX/XX/XXXX I mailed in a check for the amount of XXXX along with the payment stub. On XX/XX/XXXX it was sent through my account and XXXX was deducted. Then on XX/XX/XXXX the paper check came through my account and another XXXX was deducted. I called my financial institution on the XX/XX/XXXX. They credited my account, but on the XX/XX/XXXX they debited my account because they said XXXX had to fix it. So I have spoken with XXXX on several occasions but they still have not given me my money. Now I am so stressed about this it is causing me to shake. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-26
Company: Experian Information Solutions Inc.
State: CO
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:
On XX/XX/XXXX, I filed ChpXXXX. I included XXXX in my chp which was originally incorrectly reporting as a charge off. I was 30 days late and I paid company to fix it. The credit reporting agency refused to fix. I had it added to my bankruptcy and it is still reporting as a charge off. It clearly states it was included The credit reporting agency asked for a copy of my CHP XXXX paperwork. I faxed it in on XX/XX/XXXX. The credit agencies did not fix it and they have taken things that were not reporting on my credit prior to getting g my bankruptcy paperwork and added to my credit as if XX/XX/XXXX. Also, I have a new car that I have been making payments on that was not part of my CHP XXXX financed through XXXX XXXX. I have been making payments on time since XXXX. I contacted XXXX who has not responded on fixed the reporting error and the CHP XXXX paperwork clearly shows it was not part of the CHP XXXX, but the credit reporting agencies are reporting as part of my CHP XXXX. Lastly, I paid a company XXXX to fix my credit and have the CHP XXXX, inquires and charge off to removed the credit report but the credit reporting has refused to remove these items.

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 2022-02-07
Company: Experian Information Solutions Inc.
State: GA
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: Investigation took more than 30 days

Complaint:
Company keeps reporting after there was closed account and agreement to remove from history.

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 2022-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A dispute with this company was created on XX/XX/XXXX and XX/XX/XXXX in which my second noticed was received on XX/XX/XXXX via certified mail. As of todays date, XX/XX/XXXX, I have yet to receive a response from this company in regards to the validity of this account. The FCRA allows for such company 30 days to response, I have yet to receive a response.

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 2017-07-26
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XXXX XXXX, 2017 I purchased a new vehicle from XXXX XXXX XXXX in XXXX Florida. I traded my XXXX Chrysler 200 in as part of the deal with the dealer promising to pay off said loan with Chrysler Capital while obtaining a new loan with Chrysler On XXXX XXXX, XXXX I learned that not only did the dealer lied, and not pay off my loan some 26 plus days later, but my loan is in default as a result of the dealer misrepresentations. Neither XXXX XXXX nor Chrysler Capital will take action against the dealer for their misrepresentations nor hold them responsibly for the default loan as a result of their delays in paying said loan number XXXX. Not only will my credit be harmed, but no one will correct the situation which was no fault of my own. The dealer needs to be held responsible for this and XXXX XXXX & Chrysler Capital need to sanction said dealer for this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-07
Company: Experian Information Solutions 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've recently reviewed my credit report and noticed late payments on my account. I have never been late paying my account, and I would like to have these late payments removed.

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 2021-03-10
Company: T.S. Holdings
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
IQ Data contacted me today ( XX/XX/21 ) in an attempt to collect a debt of {$130.00} which was, to my knowledge still disputed. The company misrepresented the outcome of the dispute stating that the dispute had resulted in the debt still being active and I paid in fear of my credit score dropping. However, when I went to check the results of the dispute, the case had actually been ruled in my favor days prior. IQ Data misrepresented my dispute for financial gain at my expense.

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 2022-02-07
Company: AFNI INC.
State: FL
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:
XXXX, XXXX XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious AFNI, INC. XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX . XXXX XXXX, GA XXXX PH :. XXXX PH : XXXX EM : XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth XX/XX/XXXX SS # : XXXX TO : * Consumer Financial Protection Brueau * Department of Veteran Affairs, Office of the Inspector General My name is XXXX XXXX XXXX, I 've received another email from Discover Card in my XXXX email, past emails from Discover Card were unautherized deletions. I do n't and have n't ever had a Discover Card nor any accounts through Discover Card Bank. 
From : Discover Card XXXX To : You XXXX Date : XX/XX/XXXX XXXX XXXX Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Resurgent Capital Services collected a debt that has been disputed SEVERAL times with CFPB ; see account # XXXX. 

Resurgent Capital Services filed a claim in or around XX/XX/XXXX in amount {$8200.00} in United States Bankruptcy county under XXXX. A Proof of Claim Objection was file with honorable judge XXXX XXXX and hearing date was set for XX/XX/XXXX, however on XX/XX/XXXX Resurgent Capital Services submitted a WITHDRAWAL OF CLAIM.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In the fall of 2021, I was notified that XXXX was ceasing their credit card service with XXXX, but that a new credit card would be opened through XXXX. I did not want a new credit card to be opened, so I called XXXX to identify what steps needed to be taken to prevent a new card from being opened. They informed me that as long as I did not register the new card, I did not need to take any other actions. 

Subsequently, there have been charges placed onto a new credit card with XXXX from XXXX. I have had several conversations with XXXX identifying to them that I did not authorize the opening of this credit card, nor did I approve any charges from XXXX. 

XXXX has failed to provide me with correspondence identifying that the credit card account is closed, that it was not authorized to be open, and that I am not responsible for any charges from XXXX. 

This appears to be a scheme between XXXX and XXXX surrounding the closing of their account. I want to ensure that this is handled properly, that my credit score is not negatively effected beyond what it currently has been, and that other consumers are not taken advantage of in the same manner.

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 2019-10-01
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: Their investigation did not fix an error on your report

Complaint:
Equifax ; XXXX and XXXX are reporting incorrectly an involuntary repossession/charge-off on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account is well over ( 7 ) years old and it has been ( 7 ) years from the date of last activity and should not be reporting. This is a violation of the Fair Credit Reporting Act and this line item needs to be removed from my credit report. This incorrect reporting of a charge-off is harming my credit score. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Investigation took more than 30 days

Complaint:
over 30 days ago, I noticed errors on My credit report and I sent in a dispute letter to the credit bureau. They failed to respond to my complaint in a timely manner which prompted me to send in a demand to comply letter to which I still haven't heard a response for.

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 2022-02-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My online banking access at Wells Fargo Bank was suspended for so called suspicious attempts to gain access with my username and password. 

I called the online fraud unit as instructed by email but had to wait online for 44 before somebody answered. 

Then I was told I had to go to a branch and show my ID and call them again with the branch banker on the line. I have been a client of Wells Fargo bank for over 20 years and never before have I been told to go to a branch to show my ID. Before they would establish my identity by asking questions which I would correctly answer on the phone. 


Their fraud unit is covering their potential liability by making it harder for people to regain access to their 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 2022-10-04
Company: The Outsource Group, Inc
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/XXXX, my mother received a letter from Medicredit with a notice that they are trying to collect a debt regarding medical services that I allegedly owed as of XX/XX/2022. 

The amount in question is {$110.00}, originating from XXXX XXXX XXXX. 

XXXX XXXX XXXX made no effort to contact me regarding this debt before sending it to collections, as I never received any phone or written communication from them. Additionally, the amount {$110.00} was paid in full, at the hospital, and was charged to my debit card ( including transaction fees ). I have the transaction on my bank statement noting that it was from XXXX XXXX XXXX. 

I have not once received any communications from Medicredit corporation. At the time mentioned ( XX/XX/2022 ) I was twenty-three years old. My mother is not and has not been responsible for my medical care for a number of years at this point. Additionally, services that were already paid in full should not have been sent to collections, to begin with. 

Re : Medicredit, It is my understanding that the direct contact of my relative instead of myself with mention that it was to collect a debt and the full dollar amount of the alleged debt should not have ever occurred. 

Per the Consumer Finance Protection Bureau : XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: Community Health Investment Company, LLC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
That was on or about XX/XX/2019 I received a letter from Professional Account Services collection agency to collect the debt amount {$300.00} on behalf of XXXX XXXX XXXX XXXX XXXX listed as creditor. Then, I directly contacted the creditor and spoke to a rep named XXXX regarding the alleged debt. He informed me my installment account is current since I've enrolled automatic draft from my bank every first of the month. He also stated that the management will get back with me within XXXX from the dated we talked. As of today XX/XX/2019, no one has not been called me and this alleged collection account is on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On four separate occasions I have sent the ask for documents to all three credit reporting agencies in hopes of removing an Extended Fraud Alert I placed on my credit accounts in a mistaken effort to restrict access to my credit. Somehow this alert is for ten years and turns out was n't needed now I virtually have no credit at all and am denied credit everywhere even with an XXXX credit score, this prevents me from obtaining certain services in my XXXX XXXX fight. In the end my concern with my credit may actually kill me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: CITIZENS FINANCIAL GROUP, 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: Information belongs to someone else

Complaint:
I've tried multiple times to have an account on my credit report that doesn't belong to me deleted. My request was ignored despite the fact that I had provided all necessary details. The account will no longer be investigated, I was told. Due to identity fraud, the account is no longer shown on other reports and has been removed.

Company response to consumer: Closed with explanation