BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-09
Company: EQUIFAX, INC.
State: MN
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: RentDebt Automated Collections, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020 I called RDAC to settle this account. I paid the exact settlement amount that was offered to me by XXXX XXXX. I previously disputed this debt with RDAC and the only information I received was that it was verified from the credit bureaus. I never received any notices about this debt as I moved out of state and was never contacted or received any mail. This is single-handedly preventing me from renting a home. I settled this account, and I never received proof that the debt was valid nor was I contacted. This debt should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: Experian Information Solutions Inc.
State: VA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Disputes have been sent multiple times to all three credit bureaus, requesting that the credit record be adjusted for the XXXX XXXX XXXX account XXXX, this account provides false information, instead of correcting it or deleting it, the credit agencies do not bother to conduct a full 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 non-monetary relief
Consumer complaint received 2020-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have reached out to Capital One several times to work out a payment program on my 2 accounts that includes a reduction of the current 24.4 % interest so the the balance on the account does not continue to rise. 
I am being to told I'm not " eligible '' for any such program. I've had a reduction in income that's forcing me to work with creditors. Capital One is the only one unwilling to work with me. I want to pay the debt. I do not want to be abused in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I made a request for Best Buy, on XX/XX/XXXX and XX/XX/XXXX, to correct my credit report, but they are still are reporting late payments that are older than 7 years old. I know for a fact that I did make these payments, but I am not here for that. They are reporting to XXXX and XXXX XXXX late payments from XX/XX/XXXX and XX/XX/XXXX. 

Attached is a document from CITI and Best Buy stating the dates. I do not have the letters mailed to them.

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 2022-02-25
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check in my account on XX/XX/2022 in the amount off {$950.00} at a Wells ATM before the daily deposit cut-off time and the transaction posted on XX/XX/2022. Hence, I expected use of my money on XXXX, as a prior ATM deposit on XX/XX/2022 in the amount of {$1000.00} from the same maker was correctly credited the next business day without any hold. 

When I called the Wells toll free customer service number I was told that the funds were being held for review until XX/XX/2022 due to the banks difficulty in getting funds from the makers bank, so Wells Fargo is basically saying that the makers check did not clear, which I know not to be the case but will verify within the next few hours. Holding funds unnecessarily and following that up with direct false statements to your customers is no way to run a bank serving the XXXX public.

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 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 recently requested a copy of my credit report and noticed an address that does not and never have belonged to me. 
I sent TRANSUNION a certified mail letter on XX/XX/2022, demanding the unknown address be deleted from my consumer report immediately. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. TRANSUNION have violated my Federally Protected Consumer Rights

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 2018-01-06
Company: Coinbase, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On or around XXXX 2014 I lost access to an account on coinbase.com. This account loss was due to me changing my email address and the old address being deleted. 


Coinbase has failed to restore my account balance in over 6 months of waiting. 

I have filed 3 complaints through there support department and have failed see a resolution. I also requested the transaction history on this account and was told it was unavailable, a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Hello, I was put as the primary account holder on the bill for our XXXX  & XXXX  in XXXX of 2020. At the time, it was the height of the pandemic, and I was very low on funds. So were my housemates, who were also contributors towards the XXXX XXXX XXXX bill for our home. As a result, we were unable to pay our XXXX XXXX  XXXX bill for the duration of our stay. I did make some payments, however, and did my best to stay on top of it. Sadly the bill continued to increase despite my best efforts, which were limited greatly by the pandemic. I am contacting the bureau with this complaint as more of an appeal to XXXX XXXX  XXXX to consider any other possible means of collecting payment for the debt owed, perhaps through a pandemic relief package, or of that nature, that would resolve this debt and remove it from my credit report. The debt is by far the largest I owe, and is preventing me greatly from achieving my financial goals at this time, years later. It would be deeply appreciated if there was a way to resolve this debt with XXXX XXXX XXXX and XXXX and with I C System Collections. I will do whatever is suggested to achieve this end, and any information is appreciated.

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 2023-09-06
Company: Upstart Holdings, Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. I have supplied all the documentations needed for these companies. These companies are in VIOLATION of 15 U S C 1681 ( E ) and 15 U S C 1666. They are reporting to my credit reports improperly. I request that the information in inaccuracy is deleted from my credit report. The accounts are Upstart/Network Account # XXXX reporting to XXXX charged off balance {$9100.00} with last activity of XX/XX/XXXX  and XXXX charged off balance {$8300.00} with last activity of XX/XX/XXXX  also Upstart/Finewise account # XXXX charged off amount {$2900.00}. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account was compromised and they detected fraud so they locked my account I submitted my documents I had they still keep requesting the same documents I talk to support they all say the same, theyre no help I have a legit job and get paid weekly so I still have yet to receive my check I have kids I have to feed they dont care I dont care about getting the account back I just want my funds sent back or a check

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
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:
I sent a letter last XX/XX/2023 to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. XXXX ) you are required to remove/block any items or information not later than 4 business days after XX/XX/2023. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$320.00} ; XXXX XXXX XXXX Balance : {$500.00} ; XXXX XXXX Balance : {$950.00} ; XXXX XXXX XXXX : {$390.00} ; XXXX XXXX Inquired on XX/XX/2023 ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2022-02-25
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: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. Please delete the items 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 non-monetary relief
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: NH
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My information was stolen in New York around XXXX I reported this to the XXXX ( XXXX ) credit Bureaus and was unable to resolve and dispute addresses, phone numbers and some of the instruments that were on my report. Some of these items still remains today ; All Phone numbers except for ; XXXX All Addresses except for ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX The persons who committed the larceny to all my information which include ; XXXX. Passport XXXX. Drivers License and other important docs, they did not get my Emails. 

When I reached out to the Bureaus to make the complaint and lock my credit I was unable to find the supporting information. I have found the supporting documents and i am hoping this will help with my journey back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
to whom it may concern this is to inform you that the lawyers have given this allege account to is not responding to my letters XXXX XXXX XXXXXXXX XXXX  and this is to inform you that if don't get my desired remedy in the next ten ( 10 ) days i will commence arbitration/ federal complaint proceedings

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 2023-02-25
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Venmo froze my account I can't access my funds for 180 days at no fault of my own all be because I disputed a couple of purchases that I did not authorize pls help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Bank : Bank of America Account type : credit card account # ending with XXXX. 

XX/XX/2018 1. Payment due date : XXXX of each month. 
2. I initiated a payment of {$670.00} on the XXXX of XXXX as I forgot to make the payment on the XXXX of the month. 
3. Bank charged me {$25.00} on XX/XX/XXXX for making a late payment. 
And an interest charge of {$6.00} on XX/XX/XXXX ( which was later removed after I made a phone call request to the customer rep ). 
4. No email or text or phone call alert system to alert the customer of the late fee and interest posted on the account. 

XX/XX/2018 1. I initiated a payment of {$330.00} on the XXXX of XXXX as I forgot to make the payment on the XXXX of the month. 
2. Bank charged me {$31.00} on the same day for making a late payment. 
And an interest charge of {$2.00} on XX/XX/XXXX ( which was later removed after I made a phone call request to the customer rep ). 
3. No email or text or phone call alert system to alert the customer of the late fee posted on the account. 

Inquiry call : XX/XX/XXXX Bank customer rep denied the request to waive the late payment charges. 
She informed me that the Bank doesn't inform the customer whenever a late fee or interest money is charged to the customer account. 
The only way to find out is if the customer goes online or make a phone call and inquire about the transactions. 

As a customer, I feel this is a predatory policy of the bank that they are not courteous enough to alert the customer if they are being charged such fee. As a matter of fact, the online account has no option for if a customer wants to be notified by the bank when aforementioned fee are posted on the account. 
So, unless that customer goes back and check their statements thoroughly they could be paying late fee and interest charges even though they have paid off balances.

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 2020-04-27
Company: U.S. BANCORP
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I got scammed from a vender selling defective product Online from my US Bank credit card for {$79.00}. Ive contacted vendor many times, unfortunately, never get a response. 

I tried to get help from US Bank credit card Financial institution company to dispute the charge. They were unable to help.

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 2023-02-25
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have a complaint concerning Wells Fargo overcharging me for banking fees and closing my account out for human error and not giving me ample time to rectify the problem.

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 2022-02-25
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I retained a real-estate agent to help me finance a home. I decided to buy one that was up for sale. The agent attempted to help me get financed. My credit score was too low. However, the agent insisted there was someone they knew that would get me financed. I explained to the agent that I no longer wanted the home due to my credit score. I was not able to get approved by several banks. Nevertheless, the agent insisted I would be approved by the new year of 2018. Happily, 2018 I was approved. The amount of the home went up approximately {$100000.00}, the interest rate went to a 5.25 % and works on the defects of the home ceased. When I called the realtor to report defects that were to have been repaired etc. I was told, " Well, it's your house now. '' The realtor returned to a vehicle and drove off laughing. I began to cry. 
Nevertheless, I keep my word and paid the mortgage monthly. One month before moving in, after beginning repair of hidden defects, the company began calling stating I was behind on the mortgage when the mortgage was not due until two months later ; they had sold the loan to another company who also stated I was behind on my mortgage. This continues for approx XXXX. I wondered where my money went. So I retained an attorney. Monthly fee was {$1800.00} a month. This attorney told me NOT to pay the mortgage. It lasts 22 months. Now the loan is greater than {$100000.00} behind and the company placed the home in pre-foreclosure. I want to keep my home. I am a XXXX XXXX XXXX, XXXX with 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 2023-11-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Re : Dispute of Inaccurate Account Reporting by XXXX XXXX Dear Equifax Dispute Team, I am writing to dispute the accuracy of my credit report as provided by Equifax, specifically regarding the reporting of an account by XXXX XXXX. This account contains multiple inconsistencies, including varying opening dates, which are negatively impacting my creditworthiness. Account Information : Creditor Name : XXXX XXXXXXXX Account Number : XXXX Opening Date as per XXXX : XX/XX/2021 Opening Date as per XXXX : XX/XX/2021 Opening Date as per Equifax XXXX XX/XX/2021 I am concerned about the accuracy and fairness of this reported information and the impact it has on my creditworthiness. The Congress has found that consumer reporting agencies, like Equifax, play a critical role in evaluating the creditworthiness, credit standing, credit capacity, character, and general reputation of consumers. There is a clear need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy, as mandated by the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-25
Company: Professional Recovery Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent Certified letters to Fox Collection Center for account XXXX located at XXXX XXXX XXXX XXXX, TN XXXX on XX/XX/XXXX and XX/XX/XXXX and they have not verified not validate that this is my debt. I have copies of letters that I received from XXXX and XXXX that this collection is deleted from my consumer report, but they refuse to send the letter to XXXX for deletion from my consumer report. I sent them certified letters and as of this day XX/XX/XXXX they have not once sent me anything.

Company response to consumer: Closed with explanation