BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-29
Company: WELLS FARGO & COMPANY
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that WELLS FARGO XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2022-08-10
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
i deposited. {$100000.00} plus and can not reach them .after 10 hours I still can not reach because they do not answer

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 2020-12-05
Company: Commonwealth Financial Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
COMMONWEALTH FINANCIAL a collection agency has placed derogatory information on my credit reports. They attempting to collect on an alleged debt in the amount of {$360.00} for the client : XXXX XXXX XXXX. I have no knowledge of this account. I addition to that item there is another alleged account for the same client XXXX XXXX XXXX for {$510.00}. I have no knowledge of either of these accounts, and I NEVER received any notification from Commonwealth Financial that they were attempting to collect for these debts. I never received any correspondence from them in writing or otherwise nor did I receive a notice of my rights to dispute. They just place this information on my credit reports and damaged my records without due process ... ..process to include allowing me my legal right to dispute and / or request validation of these alleged debts. 
They just violated the federal law and place information on my reports as if it were valid when in fact it is not. This is a violation of the FDCPA, FCRA and the Fair Credit Billing Act. With the possibility of a violation of the HIPAA Act

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: Resurgent Capital Services L.P.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 kind of account is placed as a collection account, be sure to inform me precisely why there's a balance indicating on the document whether it's a collection? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
So I used a website called Coinbase.com that is revolved around using money to invest in cryptocurrency. I invested about {$60.00} into Bitcoin. I stopped investing for a few weeks, but when I logged back on, it said that my account was frozen. When I got my account back, none of my money was in my portfolio.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair  Credit Reporting Act.

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 2021-01-12
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY REMOVE THE NAMES AND ADDRESSES and the negative information attached to the FCRA violations above

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 2019-02-07
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The week of XX/XX/XXXX midland management was blowing up my phone, my mothers phone, and my mother in laws phone all over my debt. I called them and said to remove their numbers and do not call again. They continue to call my phone now and my mothers. They did stop calling my mother in law. They also call from multiple different numbers from other area codes. They will send me ups packages of a bill. I have tried to set up payments with them and it just doesn't seem to be working out. They still are calling constantly and threaten suing me. The customer service is awful. I just do not think its right they have contacted my family about my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation.

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 2023-05-26
Company: Experian Information Solutions Inc.
State: PA
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'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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded 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 explanation
Consumer complaint received 2019-03-31
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I register account in TransferWise company to use service of international transfer to XXXX ( XX/XX/XXXX ). 
After my registration was completed, I set a transfer to XXXX for amount of {$100.00} XXXX. To complete transfer I had to top up my TransferWise account with amount of around 110 USD. XX/XX/XXXX I transfer money to Transfer Wise company from my private account - amount of {$110.00} USD. 
After that TransferWise deactivated my account, cancel the transfer that was set, and block my money. 
I send the email XX/XX/XXXX with questions 1 ) how to access account 2 ) when the transfer will be completed The answer inform me that : 1 ) my account is deactivated and following the regulation of company the investigation process for find reason may take up to 60 days. 
2 ) my transfer is cancelled. 

I request to get my money back. I had name this practice by stealing. However TW ask me for account number and proff of ownership to account. - I am a tour guide and I don't carry that kinds of documents with me! 

Due to those procedures ( which I doubt are legal to the law ) I wait to get my money back till XXXX. 

I received amount of {$90.00} USD to my account. 
Differences 16.6 % less than I send. - $ XXXX. 
I wrote email to clarify this, and answer from TransferWise said that : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hello XXXX, Thanks for your response! 

We received funds from you as a SWIFT hence we processed refund using the same payment method. 

Please note that SWIFT payments incur extra charges as intermediary banks as well as receiving bank may charge their own fee.

Unfortunately, we are not aware and have no control over these fees. 

Just in case, you can read more about SWIFT here. 

I hope this explains why you have received less. Please, let us know if you have any questions We are happy to help! 

Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Today is XX/XX/XXXX. 
- I did not receive email that explains reason of why services I ordered was cancelled, account deactivated, money blocked. 
@ transferwise stuff informed : following theirs " company regulations '', account may be deactivated and investigation XXXX take up to 60 days, after that email will be send. They did not. 

- I transfer to TransferWise {$110.00} USD, and after unknown reasons of refusing me to use their service, I received back to my account amount lower of 16.6 % / $ XX/XX/XXXXUSD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: EQUIFAX, 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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$630.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1900.00} ; XXXX XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for this card in XXXX of this year because of the {$150.00} cashback or statement credit after spending {$500.00} within the first 3 months of opening the card. I call Chase today XXXX XX/XX/19 XXXX to inquire about my cash back. But they completely denied this bonus reward for my case at this excuse that my reward will be 1.5 % cashback after spending XXXX XXXX I can clearly remember that my reward was XXXX $ after spending XXXX $ within the first three months ( it's still on their website XXXX and it was the only reason that I accept my friend 's referral to apply for this credit card! 

I highly appreciate if you could help me solve this issue, Regards,  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: EQUIFAX, INC.
State: MO
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Logan Finance Corporation
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
In XXXX I refinanced my mortgage with Logan Financial Corp and they informed me that I was in a flood zone and needed to purchase flood insurance. ( My original mortgage in 2017 did not require this. ) I purchased flood insurance for the first and second year, but they claimed I didn't and purchased insurance for me, adding the amount to my mortgage payment. This year they sent a notice stating that I needed to increase my coverage, so I started doing some research. I contacted FEMA, XXXX XXXX XXXX XXXX, and my XXXX  and discovered that I am not and have never been in a flood zone. I called Logan several times, emailed and mailed them all of the documents ( including their appraisal showing that I'm not in a flood zone ) and asked that they provide the flood zone determination documents. I also requested that they refund all money spent on insurance that I never needed. Eventually they sent me a determination document that expired in XXXX ( 2 years prior to my loan ) and a letter stating that FEMA changed the map and I am no longer required to have flood insurance. According to my research, FEMA has not revised the map of our area since XXXX. 
They will not admit that they made a mistake in requiring this insurance or provide a legitimate flood determination document, nor have they refunded my money.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-07
Company: EdFinancial Services
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
From XXXX to XX/XX/2017 company reported late payments on student loans. I was told by company while on active duty loans are deferred. I have sent a copy of my XXXX to company. I have had no taxable income since leaving the XXXX in the amount to pay the debt ( currently only get va XXXXXXXX ) creditor told me I am right but still refuses to remove late pays.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have repeatedly attempted to get the public record of bankruptcy off my XXXX, equifax and XXXX credit reports. It is severely damaging my ability to get credit. The information is not verified by the XXXX court house because I have received in writing they do not verify information with any credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-29
Company: Conn's, Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
State: AZ
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 purchased a credit report with IdentityIQ on XX/XX/2023. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile. I believe they have failed to authenticate these accounts. I included this in my last complaint and hoping that these accounts lates will be removed. 
XXXX XXXX XXXX Balance : {$30000.00}, XXXX XXXX XXXX XXXX : {$2200.00}, XXXX XXXX Balance : {$600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There are nine closed accounts from XXXX XXXX FDR CBR on my credit reports still that were closed in XXXX and XXXX. They are hurting my score and I have asked several times over the phone and in writing for them to be removed. The accounts have been resolved or paid for in other ways and there is no bearing for them to continue to remain on the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There are nine closed accounts from XXXX XXXX XXXX XXXX on my credit reports still that were closed in XXXX and XXXX. They are hurting my score and I have asked several times over the phone and in writing for them to be removed. The accounts have been resolved or paid for in other ways and there is no bearing for them to continue to remain on the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Experian Information Solutions Inc.
State: NJ
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 accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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