BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-28
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed information through EXPERIAN, XXXX AND XXXX. All XXXX refuse to reply to the dispute letters. It has been XXXX month of sending letters.

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 2020-05-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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 attempted to resolve the issue of having fraudulent information appear on my credit report for a Bank of America credit card several times. The issue is that, at the time the account was opened ( XXXX ) I would have been too young ( XXXX yrs old at the time, born in XXXX ) to be a co-applicant for this credit card. My latest dispute was filed thru XXXX  on XX/XX/XXXX after contacting Bank of America. The account has recently been closed by Bank of America with an outstanding of over {$10000.00}. This is effecting my credit report in a negative manner and I have a security clearance to maintain.

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 2021-05-04
Company: WELLS FARGO & COMPANY
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
in XXXX of last year I met with the president or who represented himself as the president of wells and fargo in the XXXX Massachusetts branch. XXXX XXXX nmls # XXXX represented himself and an investor by the name of XXXX XXXX. they received notice through mr XXXX XXXX daughter that I was looking to sell a stake in my company that had social equity status with the state. Mr XXXX arranged for me to meet him at his office of wells and fargo and said that he could get me the money I needed for my company through wells and fargo misrepresenting the fact that wells and fargo does not invest in XXXX  due to it not being federally legal. Upon arriving at the meeting I quickly realized that all they wanted was information privy to me from the state of Massachusetts and my cousins ( who is a executive at XXXX ) position on XXXX. I would not oblige. Further I have filed a Police report as my XXXX ID account was hacked and XXXX has confirmed that my Business  Documents were downloaded to his cellphone on account of his daughter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: JPMORGAN CHASE & CO.
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I had leased a XXXX XXXX XXXX. I had returned the automobile on XXXX XXXX, XXXX to XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX. The evidence of this is the official Registration Cancellation Receipt from the Massachusetts Registry of Motor Vehicles. Chase indicated that the vehicle was picked up by Chase on XXXX XXXX, XXXX, but XXXX XXXX has no record of this activity. I sent a letter to Chase indicating this and a check for the end of lease payment of {$300.00}. Chase claims that I still owe {$340.00} which represents the additional one month possession of the automobile. 

I did not possess the automobile during this time because it was at XXXX waiting to be picked up. I have written all of this in an email and sent it to Chase as well as a written version of this with a check XXXX {$300.00} mentioned above ), a copy of the plate return receipt, and the condition report provided by Chase. Chase claims that the Massachusetts Registry of Motor Vehicle Receipt is not sufficient proof that the XXXX was returned on XXXX XXXX, XXXX. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-13
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received an alert that a new collection account report to my credit report. After receiving the alert I discovered that LVNV Funding reported an account to my credit file. I never received any mail or information from this company and they have validated the Fair Credit Reporting Act. LVNV Funding Llc has reported I open an account with them on XX/XX/2015 and I did not. I would like for LVNV Funding Llc to validate this debt, provide documentation showing signature, application, receipt for each transaction. Since LVNV Funding Llc is stating I owe this provide everything detail by detail and let me know how I owe {$610.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Deposited my Personal checks in my account, Chase shut my account and STOLE the XXXX XXXX DOLLARS!!! After the funds cleared the account they shut my account and unwilling to return my funds claiming that they can not verify im working for this employee ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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:
Capital One Auto Finance incorrectly charged off my account. After contacting them they advised me to dispute the error with the credit bureaus. After disputing with the bureaus I was advised contact the original lender. The account is being negatively reported and both the lender and bureau XXXX and XXXX  are not willing to correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I manage all the bills, including accounts belonging to my husband, and they are paid on time if not before the due date with minor exceptions. The mortgage blemish from almost 7 years ago is the only negative on our report and resulted from the downturn in the economy affecting my husband 's employment. I 'm therefore confused why my credit score is always lowered or dramatically affected for foolish reasons. Only varying factor is my gender.
This complaint is frankly for the sexism I 've experienced from credit score companies.

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 2020-05-28
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am submitting this complaint against Fair Collections And Out, at XXXX XXXX XXXX SUITE XXXX XXXX, XXXX  XXXX for violation of the FDCPA and the Virginia Statute of Limitations to collect a debt. XXXX Collections And Out claims to have acquired the servicing rights for a debt that was transferred from XXXX THE INFINITY on XX/XX/2018. Prior to XXXX THE XXXX transferring that debt to Fair Collections And Out, XXXX XXXX XXXX had declared the loan to be in default. The alleged loan is past the statute of limitations to collect a debt in XXXX  and Fair Collections And Out continues to send me harassing letters on a debt that has a due date of XXXX  SPS claims to be the servicer of a loan in my name when : It has not participated in any servicing activity, can not produce any contract of the servicing terms between XXXX THE INFINITY and the alleged client that it claims to be servicing a loan for or produce any evidence that it paid any money on my behalf to any entity.

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 2023-06-22
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2023 my checking account was compromised with monies being illegally withdrawn that incurred overdraft fees. Wells Fargo refused to provide a credit stating I authorized all charges using my VA benefit check. I was unable to pay normal bills and rent with this account causing me to accrue unnecessary debt.

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 2023-06-20
Company: NRA Group, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Requested documentations to verify alleged debt and they were not able to deliver all documents Requested and after thirty day did not remove from my credit file agency name is national recovery agency acount # 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 2020-05-28
Company: General Motors Financial Company, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I spoke with a GM Financial representative in XXXX about getting approved for a 3 month payment extension as I was furloughed from work due to COVID-19. I was told that GM was only approving extensions for one month at a time and I would need to call back in the next month and ask for another extension. I repeatedly asked if he approved only one month would this be an issue the next month and I was told no. The one month extension was approved for XX/XX/2020. I contacted GM on XX/XX/XXXX to request another extension for the month of XXXX and I then informed by an online representative that I could not be approved due to me already being approved last month for an extension. When I explained to the representative what happened the previous month I was told I was given misinformation and should have been approved for multiple months at one time. I then called GM to speak with a manager but was told one was not available at the time and the rep asked what was the issue. I explained what the problem was and the rep stated I was given misinformation and they would submit for another extension for XXXX and XXXX. The rep asked to place me on hold as she submitted the extension request but I was hung up on. I once again contacted GM to speak with a manager but was contacted with another rep who I explained the issue to all over again, this rep also placed me on hold to review for another forbearance. The rep cane back and stated I was approved for the month of XXXX and she had submitted for the month of XXXX for approval. I was told I was approved for another extension for my XXXX payment but I continue to get notices for my XXXX payment and I still have not received anything in the mail regarding the approval nor does the website make reference to the XXXX extension.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have unrecognized addresses on my credit report the I need off asap. I was a victim of fraud and someone was using name for credit card apps and got a card and other items in my name as a result of these addresses on my file that do not belong to me. please delete permanently from my file the following : XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX please remove the following phone numbers they are not mine : ( 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 explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: AL
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:
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 2018-07-25
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have been a user at www.coinbase.com for over a year. They recently closed my account claiming I have violated their TOS, and are forcing me to withdraw my funds ( {$12000.00} USD ). I have repeatedly withdrawn from their site before using my linked bank-account. But this time, they will not process the withdrawal because of a system error. 

XX/XX/2018 : I e-mailed their customer support about this. They replied to my e-mail with a URL link that I should use to fix the issue - but the URL does not work. 

XX/XX/2018 : I told them the URL they provided does not work ; they referred me to a " specialist '' to " investigate '' the issue. 

[ four days pass with no reply ] XX/XX/2018 : I call their customer support phone hot-line, and they said they would send me an e-mail with a different URL link. After I hung up, I tried new URL link, but that also did not work. 

XX/XX/2018 : I call their customer support phone hot-line again, and they said they can see the issue had previously been raised and there is nothing they can do to speed it up. They refused to give me a timeframe of when it could be resolved. They said they are just support and have no information of the progress of the " investigative specialists '' that my issue was forwarded to a week ago. 

I have read that many people have had this issue since 1 year ago, and have waited 3+ months still with no reply. Then there are reports that CFPB complaints is the only thing that gets coinbase to rectify the issue in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In XX/XX/XXXX I was contacted by the Citi Best Buy credit card company if a charge on my credit card was mine. The amount was {$400.00} and I told them it was a fraudulent charge. The Citi Best Buy credit card company stated they would mark it as fraud and would remove it from my account. 

When my XX/XX/XXXX statement arrived the fraudulent charge was not removed from my account and I was also charged {$4.00} for interest on the fraudulent charge. 
For the following three months I have had to call and remind them of the fraudulent charge and to have the interest charges removed from my account. 

Even after the fraud charge was finally removed for my XX/XX/XXXX statement, they are still trying to collect interest from me. This is a criminal act from Citi Best Buy credit card company.

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 2020-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 reviewed a copy of my credit report and I found inaccurate or fraudulent inquiries showing within my report. I have completed an FTC/ and police report which was forwarded to the credit bureaus to investigate. I have been continuing to have difficulties with removal.

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 2017-09-16
Company: EQUIFAX, INC.
State: MA
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:
In XXXX 2017, the credit bureau Equifax revealed that hackers had broken into its coputer systems and stolen the personal details of 140 million Americans with credit history. According to their web site, XXXX, my private personal information was stolen during this event.
Due to the sensitive nature of the information Equifax collects as part of doing business, I believe that Equifax was grossly negligent in designing its computer systems in such a way that robust protections for that sensitive information were not in place. Their conduct is unacceptable by any standard. 

Furthermore, Equifax has entirely failed to compensate me for the risk that I am now exposed to. For the rest of my life, I will have to carefully monitor my credit and pay for tools like credit freezes in order to reduce my risk of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Sequium Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I looked up my credit report on XX/XX/XXXX to find I had a collection outstanding from SEQUIUM ASSET SOLUTIONS / XXXX   XXXX  that was causing negative score ( it dropped from XXXX to XXXX because of this ). I checked my mail to find I had received letter from Sequium dated XX/XX/XXXX with an account number and a demand to pay {$120.00} ( letter attached ).

I submitted an inquiry/ dispute to Sequium via the website on XX/XX/XXXX to stop the collection process and requested information on the debt. I also mailed a written notice of dispute dated XX/XX/XXXX to supplement my electronic submission. Then I called XXXX  on XX/XX/XXXX ( who acquired XXXX ) to  find out details, since I had never received a bill from them. They do not have a record of the account nor have an outstanding balance owed. I called Sequium on XX/XX/XXXX, since I had not received a response to my written note. Sequium told me this verbally : XXXX sent them notice on XX/XX/XXXX that I had not paid a " final bill '' of {$120.00}, that the acct went into " collection '' status on XX/XX/XXXX with another collection company, then was transferred to Sequium on XX/XX/XXXX. I requested Sequium to provide me the information in writing so I could take this up with XXXX/XXXX but Sequium refused. 
So I called XXXX/ XXXX again on XX/XX/XXXX. XXXX filed a 'collection dispute ' on my behalf on XX/XX/XXXX to record that I have no open account with XXXX/XXXX  and no balance owed to support this dispute. 
Furthermore, I understand from the letter I was sent by Sequium that I have a 30 day validation period from XX/XX/XXXX before this collection gets reported on my credit report. Those rights were CLEARLY VIOLATED as mentioned above, I found about this situation because it showed up on my credit report as of XX/XX/XXXX, apparently reported in March/ XXXX timeframe before the date of the mailed letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi, I'm a dad of XXXX. I have been working my XXXX off during this pandemc. I was always a stay away from credit guy but I have recently been more in tune with it because of current situation. As I look my report, I notice some fraud accounts and they aren't sitting well with me. I've sumbit the documetation to the federal and they tell me that I should follow up with the bureas of reporting. I saw that sectin 605 of law say that these accounts have to be remove from my report. I am not to good with computer so I did my best to upload my stuff.

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 2020-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is the third time my identity has been compromised. I dont understand why this continues to happen to me. Please remove these fraudulent accounts from my report as soon as possible

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