BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-17
Company: Auto Advantage Finance, LLC
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Original Complaint XX/XX/XXXX XXXX I purchased a car from XXXX XXXX XXXX XXXX XX/XX/XXXX. The loan was financed through Auto Advantage Finance. I have contacted the financing company several times over the phone. I have been to their private customer service center in person and spoke face to face with account mgmt supervisor. I have followed their instructions for reporting issues and getting resolution by making a complaint online with their customer service department. They continue to tell me to contact XXXX and XXXX to make a dispute. I have done that as well and they told me that there is nothing that can be done about disputing an account that they have not received from the financing company. It has been 10 months and I have not been able to get any resolution. 


Company 's Response XX/XX/XXXX Re : Consumer : XXXX XXXX XXXX : Auto Advantage Finance Complaint : CFPB XXXX Regarding the above-reference consumer complaint filed by XXXX XXXX, Auto Advantage Finance respectfully responds as follows : Auto Advantage Finance has submitted an updated credit file in XX/XX/XXXX to XXXX and XXXX. This file reflects all information through XX/XX/XXXX. AAF will attempt contact with XXXX XXXX to follow up with this issue so that we may clear up any confusion and or prevent any future issues. 


Update To XXXX XXXX XXXX XXXX has done absolutely nothing to resolve my issue. I contacted XXXX and XXXX. I was informed that there has been no updates to credit file and no information regarding my account has been received by the credit reporting agency. I am wondering if maybe they entered the wrong SSN # for my acct. The inquiry by XXXX from the day I purchased my vehicle is not showing on my credit report either. I have sent AAF another message in regards to the issue. They have not responded. It has been about XXXX XXXX wks since I sent them a message.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had an account with XXXX XXXX in XXXX delinquent in XXXX the had it in my credit report for 6 years on the seventh year it was sold to a credit collection that I made agreement with and it was paid to the collectors. I disputed some additional fees that the collectors added that I was not notified of. XXXX XXXX bought back the XXXX that they claim I still owed and put it back on my credit report for the pass 6 months ruining my credit but its shows that the account is closed, this is very unfair it is corporate bully Ive paid over the interest rate more than I owe this 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 explanation
Consumer complaint received 2020-06-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I sent a wire transfer to a bank of america that I did not know was fraud and when I submitted police report Bank of American didn't do anything to protect me or reimburse me or help me in any way DO YOUR JOB AND DO THE RIGHT THING AND GIVE ME MY MONEY BACK SINCE YOU FAILED TO PROTECT 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 2022-12-12
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Wakefield XX/XX/2022 XXXX : {$1000.00} I looked at my credit report and noticed companies that I did not do business with or authorize any debt under my name. I also did not authorize any transmittal of my information to these companies. I do not know these companies these are fraudulent accounts. 


Sincerely, To Whom It May Concern

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I purchased a car for {$14000.00} from XXXX XXXX over 4yrs ago. With my trade-in and cash down payment knocking off {$3000.00}. My payments we're {$380.00} per month. Santander charged me an extra {$8.00} daily in loan fees plus late fees of {$20.00} per late payment. I requested that my loan be rewritten and they said no. I'd have to refinance through someone else. My bank refused to refinance the loan because they said that the price higher than the value of the car. Santander has been calling my reference numbers speaking with third party individuals regarding my personal finance information with their company closed the account without notifying me in writing and put that I owe more than what my contract shows placing this information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There are several accounts reporting on my credit file that is inaccurate or not mine : The following accounts is inaccurately reporting that I was late : XXXX XXXX - Date Open : XX/XX/2016 ; Bal : {$11.00} ( XXXX, XXXX, Equifax ) The following accounts do not belong to me ; this account is a result of identity theft : XXXX  - Date Opened : XX/XX/2016 ( TU ) ; XX/XX/2016 ( XXXX  & Equifax ) ; Bal : {$0.00} The following are unauthorized inquiries : XXXX XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: Experian Information Solutions Inc.
State: MI
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:
EXPERIAN CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX XXXXXXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY EXPERIAN CREDIT REPORT IS : XXXX. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account NamesXXXX XXXX XXXX Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off. {$780.00} written off. {$780.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX Balance {$780.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ XXXX Monthly Payment {$0.00} Credit Limit - Highest Balance {$4400.00} Terms 1 Months On Record UntilXX/XX/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 2018-10-19
Company: E*TRADE BANK
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2018 I requested information from my bank, E*Trade Bank , regarding a wire transfer from a XXXX company as part of a travel reimbursement for US {$1200.00}. Using their chat function online the agent provided me wire transfer instructions ( transcript attached ). After waiting approximately 2 weeks without receiving the funds I contacted E*Trade and was told that their agent had given me the wrong information for the transfer and that there was nothing they could do. 
I then contacted the vendor in XXXX. Their bank, XXXX XXXX XXXX XXXX, indicated that the wire transfer had been accepted by XXXX XXXX, the bank that acts as intermediary for E*Trade on wire transfers. The vendor eventually had their bank run a trace on the transfer but evidently XXXX XXXX would not respond ( information attached ). My vendor had XXXX XXXX XXXX XXXX run the trace a second time with the same result. 
All of this back and forth has taken several months. Neither E*TradXXXX nor XXXX XXXX will accept any responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: TX
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.

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 non-monetary relief
Consumer complaint received 2019-04-22
Company: PNC Bank N.A.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I attempted to purchase from an online retailer on XX/XX/XXXX who claimed to use XXXX as a means of payment, as it was most safe. After receiving a confirmation number and not being able to contact the seller I contacted PNC bank, where I made the transaction, after getting suspicious on approximately XX/XX/XXXX and inquired about how XXXX works and asked to cancel the transaction. I was told to let the payment go through then to file a dispute. On XX/XX/XXXX I received a letter dated XX/XX/XXXX, reference # XXXX saying the dispute has been resolved and was denied. I called to request more documentation on why it was denied and was told all XXXX disputes are denied because of the nature of the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: R & B Corporation of Virginia
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Items by XXXX XXXX XXXX Still showing on credit report, pass the statue of limitations in my home state. Under Virginia code 8.01-246 ( 4 ) Statute of Limitations on Debt in Virginia Debt Type Deadline Open account 3 years Oral contracts 3 years Auto Loan 4 years Written contracts 5 years Credit card 5 years Medical debt 3 years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: Monevo Inc
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The company MONEVO INC has obtained my consumer report on XX/XX/2023 and XX/XX/2023 without my knowledge or consent. I have not given written or verbal consent to MONEVO INC to access my consumer report. This is a violation of my rights under the fair credit reporting act ( FCRA ), specifically 15 USC 1681.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-09
Company: EQUIFAX, 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:
XXXX XXXX is saying that I owe on a loan that I never took out this loan was opened when I was overseas on a missionary trip for over a year I never signed or opened a loan at XXXX XXXX XXXX XXXX  can not produce a paper showing my signature I have asked for it numerous times I am in the process of getting a lawyer and a lie detector test to prove that this is not my loan I will be taking XXXX XXXX to court and Sue them for my lawyer fees and my light detector test XXXX XXXX has not believe me I have tried to tell them numerous times that this was not my loanthe only way I know to prove this is to get a lie detector test and make XXXX XXXX pay for it to prove I never opened this loan this is not my loanI need this removed from my credit reports today or I will be filing a lawsuit in which XXXX XXXX  will have to pay my lawyer fees and for the lie detector test result I present in court

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Coinbase, Inc.
State: MP
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Towards the end of 2020, I notified Coinbase via email that my account had been compromised. I knew this because I tried to login and all of a sudden my password didn't work and I couldn't access my account anymore. I had my cryptocurrency in their " vault '' feature which meant the assets were supposed to be frozen for a period of several days from the time that a transfer request was made via my account. 

Coinbase eventually responded several days later and said that they were looking into my case further and had assigned an expert to investigate. By this point, I realized who had compromised my account, it was my former roommate and reported him to the police and FBI to no avail. Apparently the value of the account at the time it was compromised ( {$80000.00} to {$90000.00} ) was not enough to warrant an FBI IC3 team investigation. 

I then realized that my phone, email and other electronic devices were also compromised and had to get all new devices and phone numbers/emails. I have since tried to reach out to Coinbase via phone, email, regular mail, etc. and have never heard anything back from them. I even consulted with an attorney that specializes in arbitration and after reviewing their user agreement, he advised me to make a formal complaint directly to Coinbase which I did XXXX year ago and then again 6 months ago and never heard back even though in their own user agreement it stipulated that they would respond to formal complaints within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: EQUIFAX, INC.
State: FL
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 account # XXXX, has violated my rights. 
XXXX Bank account # XXXX, has violated my rights. 
XXXX Bank, XXXXXXXX account # XXXX, has violated my rights. 
XXXX Bank, 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.

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 relation to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
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: Account status incorrect

Complaint:
To whom this may concern XXXX is reporting that my students loans are late I 've never received any documents from the company I call them in XX/XX/XXXXand that 's when they sent the first bill but its showing on my credit report I 'm over 100 days late.

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 2023-10-21
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On receipt of e-statement for this credit card ( XX/XX/XXXX  ), saw an interest charge for {$38.00}. Had paid the card online with online payment process. All three payments were posted by due date. The online system showed no outstanding payment due when payment 3 of 3 was sent but it was incorrect. There was a {$30.00} outstanding balance. The online system did not reflect an outstanding balance. The new e-statement arrived to indicate {$30.00} was left unpaid and {$38.00} interest was applied. On XX/XX/, I called Synchrony to request information on the charge. After three separate calls and one online chat which advised me to pay the {$30.00} and give the confirmation number so the interest would be removed, the interest was not removed. Why was {$38.00} interest applied to an outstanding balance of {$30.00}? Why is resolution in this matter so impersonal and unforgiving?

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 2022-12-12
Company: EQUIFAX, INC.
State: TX
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. 
Account Name : 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 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.

15U.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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: TransferWise Ltd
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I've been using Wise ( Formerly TransferWise ) for my business needs. I'm an XXXX seller and currently selling on XXXX. I had both Personal and Business accounts with Wise. I've been receiving payouts from XXXX to my business account. I wanted to transfer from my Business account to my Personal account. They asked for a Screenshot of the problem which I sent them and in reply, they told me that they can't identify the problem and deactivated my account and told me to submit the appeal. On response of appeal I made, they replied that they can't tell us the reason for account deactivated but it violated one of our policy that I agreed to during sign up which I don't think so..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I paid for an American Express Pre-paid Gift cards on or about XXXX XXXX in the value of {$75.00}. The card had charges on it before I even received the card in the mail. I attempted to communicate with American Express to advise that AMEX needed to send a replacement card. Amex said that they disclaimed all liability! In fact, I could not even speak with anyone about the card. I emailed AMEX and a representative wrote me an email and said there was nothing AMEX would do after selling me a pre-paid gift card of {$75.00} with a balance of XXXX on it when I received it. For more than one year, I have been attempting to communicate AMEX about this. AMEX is discriminating against me as a minority woman by selling a pre-paid gift card with a XXXX  balance on it. THIS IS NOT ABOUT A PURCHASE MADE USING THE CARD. THE PROBLEM HERE IS THAT THE PREPAID CARD CAME IN WITH A XXXX BALANCE.

Company response to consumer: Closed with explanation