BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-26
Company: WELLS FARGO & COMPANY
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was trying to purchase two things cats online from a breeder the name of the breeder is XXXX XXXX XXXX XXXX no spaces in between, the name the person gave me to send it to was XXXX XXXX the phone number that was connected to the text was XXXX XXXX I was told located in Arizona the address that I was given so I could send a wire was XXXX XXXX XXXX XXXX XXXX AZ XXXX The bank account wire they wanted me to send the money to was XXXX to XXXX XXXX routing number XXXX account number XXXX I sent through XXXX one amount of XXXX would not let me send anymore so they kept giving me different name and addresses to send it to the next day I said another XXXX they complained that they couldnt get the remaining amount {$250.00} at that time I became suspicious and called my bank and try to get the money back my bank is telling me that they have no fault on their side and wont get my money back question who should I speak to if I cant get help here My phone number is XXXX text me if you like or call me at anytime my email is XXXX Wells Fargo bank XXXX XXXX  XXXX XXXX XXXX, CA XXXX the number they gave me to call is XXXX claim number XXXX And claim number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: LA
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 submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I sent a letter on XX/XX/XXXX to the Credit Bureaus requesting that they remove Fraudulent accounts that are completely UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any accounts or information not later than 4 business days after the ( date of the Previous letter ) .Ive already included this in my previous Complaint & I am including them again. Below is the list of the fraudulent items I found on my Credi report : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6300.00} XXXX XXXX XXXX SERV XXXX Date Opened : XX/XX/XXXX Balance : {$400.00} XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$800.00} XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$830.00} XXXX XXXXXXXX Balance : {$63.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
This complaint to Equifax result of their non-compliance to my request and for their refusal of getting the accounts and inquiry, listed below, to be removed or corrected from my credit reports. However, that complaint was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these accounts and inquiry or have Equifax get back to me with regards to the issue. Here are the accounts and inquiry that concern me : XXXX XXXX CRE XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$16000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance {$14000.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Inquired on XX/XX/2020 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXXXXXX 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
Consumer complaint received 2017-11-07
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
My previous complaints were delayed, ignored and not addressed by wells fargo. I received a call today and they wanted financial documents ( application and denial letter ) from another mortgage company. These documents are not needed. The criminal sales practices by XXXX XXXX XXXX are the issues here.

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 2017-11-03
Company: Worldwide Processing Group, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has continuously called me on two different phones. They call over 3 times a day on each phone. So this would be 6 times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
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:
This complaint to TransUnion result of their non-compliance to my request and for their refusal of getting the accounts and inquiries, listed below, to be removed or corrected from my credit reports. However, that complaint was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these accounts and inquiries or have TransUnion get back to me with regards to the issue. Here are the accounts and inquries that concern me : XXXX XXXX XXXX XXXX Balance {$23000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$14000.00} XXXX XXXX XXXX XXXX XXXX Balance {$3900.00} SET XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$2700.00} XXXX XXXX XXXX XXXX Balance {$15000.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX  - CPO Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
i pulled my credit report. I notice there are some account that was reported inaccurately to the the credit bureau. I took action by sending a dispute letter to the bureau agency regarding the error. i sent my first dispute letter on the on XX/XX/2021. I have waited for a over a month. they never respond to me. I sent them another letter ask them to remove the inaccurate information my report, again they don't respond. this is really frustrating. they have violated the FCRA. I want this account to be removed from my report completely

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 2021-04-19
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I just opened PayPal account thinking it more convenient for me to do transactions oversea and I sold an item on XX/XX/XXXX XXXX it was XXXX And on XX/XX/XXXX I sold another item on XXXX for XXXX usd when the first payment came in they already put me on hold, then I ask why they just ask me to wait for few days just to make sure I send the parcel out show them the tracking number which I did after I posted it and the second item payment came in also same situation on hold also which I assume is normal in PayPal because Im new just joined them. Day past by and I keep messaging them until when they want to hold my money they just replied dont worry the money is yours they just want to make sure the item arrive to customer only will release. Item already arrive on XXXX XXXX and my pay still on hold and next thing i know I received an email stating I no longer can use PayPal without any explanation and hold my money for 180 days .it just XXXX transactions and they do this to me! please help me tq

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Coinbase, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX Coinbase issued a new user agreement for customers to sign in order to access its platform. Upon reviewing the user agreement, I declined to accept it and on XX/XX/XXXX submitted a support ticket stating I did not consent to its terms and requested my funds be sent to my linked bank account. Coinbase had stated via email- in response to the support ticket - that it would close the accounts of people who did not accept the agreement and transfer their funds off the platform. I contacted Coinbase multiple times by email and twice over the phone to resolve this issue and ask why my funds were still on the Coinbase platform ( which I have had XXXX access to since XX/XX/XXXX ). I have called twice - in the first call, I was told my case was being sent to the compliance team, and was told I could expect an email with an XXXX for the funds to arrive in my bank account. I verified my bank 's checking account details with the representative in order to ensure the transfer would be processed correctly. When this did not occur, I called again and was told that the compliance team is not available by phone and the customer support representative was unable to provide me with any information on my case.The phone calls occurred on XXXX ( XXXX minutes ) and XXXX ( XXXX minutes ). I am concerned that Coinbase has no intention of returning my funds to me. At the time of this writing the funds total approximately {$9000.00} across the various Coinbase platforms ( Coinbase Pro, Wallet, etc ). I received email replies on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, and today ( XXXX ) and this issue is still not being resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
My name listed under Personal Information on my Equifax credit report is incorrect. I followed Equifax 's guidelines and sent a copy of my correct name documented by a copy of my Driver 's Licence, Social Secuirty Card, Utility bills. I have been unable to get my name corrected. The credit union that add XXXX to the end of my name indicated that they have made corrections. Nothing I have done has corrected the problem with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My home was put into forbearance of XX/XX/XXXX. 

I was suppose to close on my home in XXXX of XXXX but it was brought to my attention that I owed {$8800.00} for my back property taxes in XXXX. My Settlement statement from Flagstar on XXXX XXXX states that my escrow advance balance to flagstar was {$10000.00}. 

I was not allowed to close in XX/XX/XXXX because of my back property taxes. So I had to get a loan to bring that amount to closing. So that caused my deal to fall through I got another offer for a higher price so I was able to move forward to close in XXXX XXXX. I received my second Settlement Statement on XX/XX/XXXX and flagstar had decided to pay the whole property taxes in advance for the year XXXX in my escrow account. Flagstar told me they did this so I would not have a lien on my home. So if you look at the Settlement statement on XX/XX/XXXX escrow advance balance to Flagstar is {$20000.00} compared to only {$10000.00} in XXXX of XXXX. Almost XXXX increase in just 2 months. I only owed property taxes for XX/XX/XXXX for the year of XXXX. They charged me for the whole year. 

I have both settlement statements and the emails from the title company stating that Flagstar did increase my escrow balance for XXXX. XXXX was collecting all XXXX taxes for payoff and then Flagstar would have to reimburse me for XXXX taxes. Flagstar refused to adjust my payoff balance and demanded I bring all of XXXX property taxes to closing. 

Title company also stated FlagstaXXXX did not turn the taxes in. Title company agreed that is was not right that Flagstar forced me to bring all of XXXX property taxes to closing since I was about to do a payoff again. 

So I will be needing my reimbursement on property taxes for XXXX XXXX XXXX or I will be getting an attorney and contacting Consumer XXXX XXXX XXXX for fraud. Flagstar has withheld my reimbursement since XXXX of XXXX I have included the email conversations with my real estate agent and escrow officer discussing the XXXX property taxes. On how they were collected and never turned in. This is complete fraudulence

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 2019-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
There's errors reporting on my credit report from misrepresented data in light of the three ( 3 ) major credit bureaus and their faulty verification system. I was told that these accounts inwhich I'm disputing, ( # 1 ) XXXX {$940.00}, ( # 2 ) XXXX XXXX XXXX, and ( # 3 ) XXXX XXXX XXXX {$1000.00}, all been verified. However, as a general rule of law electronic Verification can not be accepted as proof of any sort. Therefore, I'm demanding physical documentation and a Method of Verification used in this investigation process, or as stated within the FCRA these accounts shall be removed immediately and permanently. As a consumer and a victim I have the right to know inwhom your company representative spoke with, name, title, day, date, and by what means of communication. Please provide me with all the above or as stated within Section 609, block these accounts immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Equifax refuses to remove known inquiries that are hurting my credit. I have contacted the company several times and they refuse to remove the inquiries. They told the CFPB that they sent me investigation information which IS NOT true at all. They have yet to send proof of my consent to these inquiries as asked and I want them removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have no idea how a membership for transunion credit monitoring was started as I had never even been on their website. I noticed the charge today on my bank statement and went to their site and they had a login that I didn't make and there I could see that I have been charged for this service I didn't know I had since XX/XX/2018. It shows 5 charges each for XXXX. I was able to cancel the membership online and then called them to reverse the charges as I still do not know how or where that account was created, and they couldn't provide that information when asked, they did reverse the most recent charge but said the other 4 could not be reversed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-09
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Despite my account being current, timely payments made, and the latest statement showing a current balance, I still receive harassing robocalls from XXXX Bank XXXX The calls are harassing and after XXXX PM and back to back ( enclosed ). I have already notified XXXX Bank XXXX XXXX XXXX XXXX credit my account for the missing crypto, and adjust the balance to reflect the value of the agreed rewards. 

The undersigned contacted your office and left a voice mail requesting a callback, tried chat messages, and even a formal process. To date, no call has been returned. If we fail to hear from you within a reasonable amount of time, we will consider the terms rejected and pursue small claims.

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 2017-11-03
Company: Cottonwood Financial Ltd.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
XX/XX/XXXX, 2017. I had received several phone calls from the CashStore in XXXX XXXX, Texas. I 've been dealing with the company for several months. I informed the company that I am on XXXX, and I receive my check on the 3rd of every month. My bank account has constantly been overdrawn. As a result, I gave up my car in repossession. I 'm under doctors care! Only now did I notice that the first 2 payments were scheduled on the 3rd, as per our agreement. The next 2 were scheduled on the 2nd and the final payment is set for the 1st and 31st ( This means not only will I be overdrawn, but I 'll have 2 payments in 1  month. ) Overdraft fees are {$35.00}. This takes away money for food and my co-payment for my medication. The VA does not accept XXXX or XXXX or XXXX XXXX XXXX insurance. My only sister is in XXXX XXXX XXXX and just recently admitted to the hospital due to her XXXX XXXX XXXX. I have no way to go see her. At this time, the VA van will only carry the XXXX XXXX, this is the reason I got the car. Being is financial trouble, I went to the cash store. Once she allowed me to make a minimal payment. The president has vowed to cut social security XXXX payments. I only receive {$15.00} a month. {$35.00} overdraft fees hurt tremendously. Most of the repayment is interest, over {$400.00} for {$350.00} loan. I simply ca n't afford it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Violation of Section 392.101 of Texas Finance Code which prohibits a debt collector or credit bureau from engaging in debt collection in Texas unless the debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Furthermore, Sec. 392.303 UNFAIR OR UNCONSCIONABLE MEANS. ( a ) In debt collection, a debt collector may not use unfair or unconscionable means that employ the following practices : ( 2 ) collecting or attempting to collect interest or a charge, fee, or expense incidental to the obligation unless the interest or incidental charge, fee, or expense is expressly authorized by the agreement creating the obligation or legally chargeable to the consumer.

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