BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-08
Company: EQUIFAX, 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:
Equifax ; XXXX  and XXXX  should not be reporting a past due balance of {$570.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility bill for identification purposes. ) There was a torrential downpour which caused the vehicle to be totally flooded and consequently deemed a total loss. I had GAP insurance at the time and the vehicle was covered by Insurance. This account needs to report a {$0.00} balance and the coding needs to be corrected. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Wallace Management Company, LLC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
RESPECTIVELY SIR SIR I HAVE THREETY YEARS RELATIONSHIP WITH THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX  SEVEN YEARS ASSOCIATED WITH THE XXXX XXXX XXXX XXXX XXXX XXXX, SIR I AM XXXX STUDENT OF XXXX XXXX XXXX SCHOOL CONTINUES YET N CURRENTLY IN STUDY ENGLISH LANGUAGE AT XXXX XXXX, SIR KINDLY ALLOW ME TO PERFORMANCE WITH YOU AND GRANTS ME SCHOLARSHIP, SIR I SURE U THAT I WILL PERFORM DUTIES WITH LOYALTY, THANKS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
When I placed this item I didnt see belt any where all I saw was ring so I thought its a jewrlry ring Also I didnt know Nordstrom rack charge shippings fee under {$100.00} not only I ordered a wrong merchandise now I have to retune it and still cost me This isnt right

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-08
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT REPORTING ON MY CREDIT FILE. THE ACCOUNT DOES NOT BELONG TO ME AND DOES NOT HAVE ANY CONNECTION WITH ANY ACCOUNTS THAT I HAVE OPENED PREVIOUSLY. THIS DEROGATORY ACCOUNT IS CAUSING A GREAT DEED OF STRESS ON MY CREDIT FILE. I AM ASKING THAT AN INVESTIGATION TAKES PLACE SO THAT THIS ACCOUNT CAN BE REMOVED FROM MY CREDIT FILE. THE ACCOUNT DOES NOT BELONG TO ME.

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 2020-02-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In 2008 we purchased a property directly from Wells Fargo that was a foreclosure. The property had a single family residence & a mobile home on a permanent foundation.Wells Fargo financed it through their home mortgage department. The interest rate was 6 1/2 % at the time. As interest rates started to decline I called Wells Fargo multiple times to get a refinance. I also received cold calls from them about refinancing it. They declined each & every time. They finally explained to me the reason behind refusing to refinance. It was due to the mobile home on the property.Desperate I called XXXX XXXX XXXXXXXX to see if I could get a refinance through them & received the same response. I found all my disclosure docs from Wells Fargo, and no where is it disclosed about cautions or warnings about the hazards & potential difficulty of refinacing a property with a mobile home.They have a fiduciary duty of utmost care, integrity, honesty & loyalty to the Financee. A duty to disclose all material facts affecting the desrability of the property due to difficulty of refinancing. In the last 11 years we have paid tens of thousands of dollars in finance charges due to the high interest rates.

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 2021-10-04
Company: Coinbase, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I experienced a phishing email scam that said my Coinbase account was disabled then had my Coinbase account stolen from. The funds stolen from were worth around {$3400.00} at that time. I fell for the email phishing on my mobile device and put in my account information for Coinbase and my XXXX mail account. I contacted Coinbase the next day to see if they can cancel the transaction or reimburse me, which they said no to. I am both embarrassed and frustrated that I fell for this and was so careless, but I expected Coinbase to be able to resolve it because they had the transaction numbers and the IP address of the attacker.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
As result of the reported XXXX XXXX hack at Equifax, unfortunately, my name and personal information is part of that XXXX. I have been trying for a few days now to contact Equifax XXXX via website and available phone numbers ) and request a " credit freeze '' -- unfortunately, I am not able to process the request through their website and can not get through to any customer service person to assist me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: Mountain Run Solutions, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 ; I received a verification letter of debt including contract from Mountain Run Solutions. The letter states that they will delete the account if I agreed to pay {$2900.00}. I ignored the letter until today when I discovered that XXXX had a class action law suit against them for falsify contracts. I searched hard and long for the original contract and found it today in my email. Mountain Run Solutions signed a fake signature on the the contract that they sent me. It does not match the original contract. Also the original documents I received from XXXX has someone else name on the contract. I never noticed it or paid attention to it. I also challenged this with the Credit Bureau but to no avail it was verified by XXXX. I would like the Mountain Run Solutions to be removed from my credit report and also cease XXXX from reporting any false information on any of my credit reports. I am currently seeking legal with the company currently handling the class action lawsuit but removal and the non reinstatement from any debt collectors or XXXX would be sufficient.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX  and Experian remove my public record XX/XX/2018 and it has showed back up my my credit file as of XXXX sent in letters to them asking them how they verify public record they say through bankruptcy court which is a lie I sent them proof from the court and proof pacer which both states they dont verify anything with 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 2020-07-08
Company: EQUIFAX, 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:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. XXXX XXXX {$140000.00} XXXX   XXXX {$15000.00} XXXX  XXXX {$950.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: JPMORGAN CHASE & CO.
State: IA
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:
Summary of dispute : On XX/XX/2020, our Chase credit card was stolen while vacationing in XXXX, along with somehow learning our PIN, then within a few minutes, used by the thief for two cash advances totaling {$1400.00}. The theft was reported by telephone within 30 minutes of the theft to Chase, and again we spoke with another representative within an hour. On both occasions, the Chase representatives assured us that we would not be responsible for payment for the cash advances. 

Then, despite six attempts to resolve this issue with Chase via email and by submission of affidavits, Chase insists on holding us responsible for the two cash advances plus interest accrued. We also offered to negotiate a reduced payment, but again to no avail. 

CFPB, we appreciate any help that you may provide us. Regardless, we would like to prevent future Chase customers being treated in a manner that we feel is fraudulent and not compliant with federal financial protection law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 submitted a dispute via mail on XX/XX/2018 to the listed address for each of the major credit reporting agencies with the hope that my Identity Theft case would finally be resolved, according to the rule of the Law in the Fair Credit Reporting Act, Sect 605b which states that a victim of Identity theft with validation shall within 4 days be blocked/deleted. This did not happen instead each Agencies stated they had 30 days according to their policy to investigate. Not only is this legally wrong, nothing ever happen.

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 2020-04-03
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:
NUMEROUS TIMES I HAVE REACHED OUT TO YOU AND ALSO TO EQUIFAX AND THE 2 CREDITOR ON MY CREDIT REPORT. BUT I GET NO RESULTS, SINCE EVERYONE SITTING IN THEIR NICE OFFICES ARE COMING TO SOME CONCLUSIONS. THIS ACCOUNTS WERE OPENED WITHOUT MY CONSENT, MY PERSONAL INFORMATION WAS STOLEN, MY EAIL, MY MAILBOX WHY IS IT SO HARD FOR YOU GUYS TO UNDERSTAND THIS, AND I HONESTLY BELIEVE THIS IS I AM NOT THE ONLY PERSON WHO HAS THIS ISSUE, I BELIEVE UNTIL THIS HAPPENS TO ONE OF YOU YOU WILL NOT UNDERSTAND HOW DIFFICULT IT IS TO PROOVE YOUR INNOCENCE. I HOPE THIS NEVER HAPPENS TO ANYONE BECAUSE NOT ONLY YOU HAVE TO DEAL WITH PEOPLE LIKE YOU WHO DOESN OT BELIEVE AND YOU HAVE TO CHANGE EVERYTHING WITH THE POST OFFICE FOR ME I HAD TO CLOSE MY BANK ACCOUNT AND GO TO COMPLETELY DIFFERENT BANKING INSTITUTION, I AM VICTIM OF AN IDENTITY THEFT, I NEED THESE FRAUDULENT ACCOUNTS TO BE REMOVED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: JPMORGAN CHASE & CO.
State: MI
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:
On or about XX/XX/2020, a scammer used a Chase credit card in my name at a number of retailers in the XXXX, Michigan area. I live in XXXX XXXX, MI, 75 miles away and have been in Quarintine at my home since XX/XX/2020. I was able to retrieve receipts from XXXX via telephone and email that shows the largest purchase was done by a XXXX XXXX for {$6300.00}. JP Morgan Chase has refused to honor my complaint or properly investigate my dispute and have thereby left the charges on my card causing potential financial harm to me. They actually downright declined my claim without having properly investigated the charges. I never received the card and have been a repeated victim of id theft and fraud due to a number of data breaches including XXXX  and XXXX. I have ID Theft protection but this has somehow gotten past them as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-29
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a check for {$20000.00} from sales proceeds in a real estate transaction. The funds were disbursed to me from an attorney handling the closing for us. Closing took place on XX/XX/2018. I promptly deposited the funds into my account later that same day. Thereafter, I left to go on vacation. 

On XX/XX/2018, while in Tennessee visiting friends and family, I went to a local branch for my bank to check on my funds. I learned that my account was closed. I followed up with the bank to try to find out what was going on and I was told that the check I deposited on the XXXX needed to be verified. While on hold, the bank called the attorney who verified the check, and then I was told there was nothing that the bank could do, the account was closed, and that a cashier 's check was going to be issued in about 7 to 10 days to me for the account balance. No reason for the closure was given. 

I returned home to Washington state on XX/XX/2018. I still did not have my funds. I went to the bank and was still told that the account was closed and there was nothing that could be done. I also still had not received by funds. I checked my mail and saw that on XX/XX/2018, the day after I made my deposit, that my bank sent out a letter, post marked on the XXXX, that I could not use my account because it was blocked for not providing information or because of some kind of activity. The bank would not explain what information was needed, if any, or what the activity was. No reason has ever been given for why my account was closed and funds still withheld. 

I had the attorney who issued the check confirm with his bank whether or not the check cleared. The check had cleared. My bank is holding the funds and is refusing to return it to me. A copy of the letter they sent on the XXXX, dated the XXXX, is being uploaded.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Well, I had this account and yes I am doing my best to pay this back and yes this was cause by my XXXX XXXX XXXX which they was putting my funds back into my account for Premium Expenses of my Health Insurance Healthcare Plan of retire medical spending account and yes this has been a complete night deal for me and yes I am not saying I do not owe it but I am getting calls all day and nights in hours of times and yes I did make a payment on this account again on XX/XX/2018 and yes I am doing all I can to handle this and yes I was on the hospital the last past week of my heath problems and I only work part time for the XXXX XXXX XXXX in XXXX, California and I do not make to much money an dyes I started to get my Social Security Retirement Benefits this month and I am doing my best to handle what I can to pay this and yes I di d stop by the bank on XX/XX/2018 and try as much as I can on a payment, please I am not well an di do feel they are harassing phone calls, so I am asking that they do not call me or send me any thing, each time I go and make a payment on this I can not even get a balance how much I still owe and yes I would like to know what they are charging me on this too, thank you for your complete help on this 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 non-monetary relief
Consumer complaint received 2018-10-01
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/18 I purchased tickets using XXXX through Chase Bank. I paid {$250.00} directly to the sellers quickpay account. Five minutes after not receiving the tickets, I contacted Chase Bank immediately. They said that there was nothing they can do. Not even provide me with what financial institution the money went to. I dont understand how Chase can not protect our checking account from fraudulent activity. They were notified within minutes of the transaction. Why couldnt it be stopped? 
We should not be offered a service that will not protect our money. Why cant chase help their customers be protected from this?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX Bank initiated a dispute of two auto loans on my Credit Report that I did not authorize. XXXX Bank performed this illegal dispute of the automobiles paid through their company in an attempt to verify two charge offs that XXXX bank is reporting. The dispute of my automobiles were not requested and not legal. XXXX Bank is standing firm on their decision to illegally perform disputes and reporting information they can not verify. CFPB please investigate XXXX Banks reason why they disputed information on my credit report without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX  and TransUnion deleted Information and put it back on my Credit Report. I filed a complaint with you all back in XXXX regarding the same thing. XXXX Im filing another one and hope that this can be resolved.

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 2022-11-25
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not update these accounts. Please follow the law so that this situation can be settled quickly. 

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