BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-28
Company: EQUIFAX, INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account was previously disputed and removed from my credit report earlier this year by the last collection agency that had this account I was assured by Equifax that this could not be place back on my credit report by any other collection agency. It was sold to this collection agency ( XXXX ) and the dollar amount was changed from {$800.00} to {$800.00} and put back on my credit report. I would like this to be removed in no more then 7 days of receiving this complaint and a new report sent out to my address verifying the removal. Equifax assured me that this would not be allowed to happen and it 's affecting my life due to me being in the middle of purchasing my first home and my credit has dropped by almost a 100 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: Ability Recovery Services, LLC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This debt is from XXXX XXXX of XXXX XXXX XXXX daughter signed up for the online high school in XXXX. It said in the agreement if you complete less than 50 % of the program ( that was paid monthly ) and cancel you will not have to pay anymore and entitles to a refund. She completed only 10 % of the entire program and decided to go back to public high school and they charged us for the entire cost. It's been five years and they have not refunded but put the account in collections and after 5 years. We should not have to pay for what what she did not use. 
I got a certificate from them in XXXX under the career school and paid in full. They used my information to attach to my daughter 's account to report a collection. She was XXXX at the time she signed up and they took advantage of her situation.

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 2022-03-12
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have submitted several disputes online, via letter and by calling to each credit agency to correct my personal information that's on my credit reports. My Experian, XXXX and XXXX should only have my name, address and employer as followed every other name, address and employer should be removed ASAP per the law. Name - XXXX XXXX Address - XXXX XXXX XXXX XXXX, XXXX XXXX, OK, XXXX Employer - XXXX I need all other names, address 's and employers removed from my Experian, XXXX and XXXX credit reports.

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 2019-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
My debit card is through Bank of America. Starting on XX/XX/XXXX through XX/XX/XXXX I was hit with fraudulent charges totaling over {$600.00} coming from XXXX trips. The bank did not even alert me of the suspicious charges racking up I had to find the activity on my own through my mobile banking app. I reported the claim quickly on XX/XX/XXXX once I found the charges myself. I went through all the charges in question from XXXX for those dates with the agent. My account was temporarily credited for those charges while under investigation. So I assume everything is taken care of since these were clearly fraudulent charges because it would be impossible to rack up that many XXXX trips and I hadn't even used the app since XX/XX/XXXX. XX/XX/XXXX the {$600.00} plus in credits are now taken back out of my account. After calling XXXX  agent I find out that my claim was not ruled in my favor! After the agent looks into the claim we find out whoever the XXXX agent who submitted the claim made critical errors. He included a XXXX charge from XX/XX/XXXX and a few other small charges from a XXXX. These charges were never talked about in my initial claim when we went by each charge line by line. The agent tells me this is probably why claim did not go in my favor. So they now have to reopen the claim which could last up to 45 days for resolution. He files an official complaint on my behalf stating that it was an error on their end! Now I am out the {$600.00} plus overdraft fees that they charged me and no timetable for when my money will be refunded! They have now put me in an even worse position than the thief did in the first place! They tell me that they can not issue a credit for the charges while the claim is being reopened. Absolutely unacceptable customer service and now I am paying for their mistake and am out the money for who knows how long until resolution of the reopened claim!

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 2021-10-26
Company: Coinbase, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I was a victing of a Hacker. 

The Hacker was able to access to my cellphone and attempted to transfer money from my bank account to an a Coinbase account. 

- First transfer was of XXXX $ - Second transfer was of XXXX $ Both transfers were made XX/XX/XXXX between XXXX XXXX. 

When I was alerted of the danger the morning of on XX/XX/XXXX, I declined the two transfers with my bank and after that I tried to contact Coinbase to alerted them that my Coinbase account has been hacked, I explained to them throught emails that someone from Coinbase made two unathorized transactions to my checking account and I lost the access to my Coinbase account. 

My first email to Coinbase was XX/XX/XXXX at XXXX I only have received from Coinbase automatic emails as response. 

On my Coinbase account last time I had access I had a balance of aproximatly XXXX $ I've been sending more than 20-30 emails to Coinbase support during all this months. 
After 4 months, on XXXX they helped me to recover my account and I was able to gain access. My assets of XXXX $ disappear and now they say that I owe to Coinbase a debt of XXXX $ for reversal transactions with my bank. 

They say that they understand my situation but that I'm responsible for the security of my devices and they are closing the case. 

I'm not only losing my assets of aproximatly XXXX $ they are asking me for Coinbase 's losses due to a criminal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing this complaint because my rights as a consumer have been violated under the FCRA because I have not heard anything from this company in 90 days regarding my disputes and I have sent two dispute letters requesting a debt validation to PRO COLLECT and all they sent me is a template response

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal closed my account for no reason and will not help me getting it back up and going. I am not sure if this is some mistake as i assume it has to be. I have not been able to get help from them for days but i just remembered i could file report on here as i feel they are not doing their job properly and it is effecting me a great deal as i used PayPal quite frequently. 

My email linked to my paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Debt Recovery Solutions, LLC
State: RI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There was a loan taken out in my name in XXXX, XXXX using an old address. At that time I was living in XXXX, California when this occurred. I had not lived at that address since XXXX. Furthermore, it looks like the loan was taken out electronically, and an IP search showed that it originated in XXXX XXXX, California. I have never lived in XXXX XXXX, CA. The company had been sending me emails, which I thought were phishing emails. After, the legal service I hired sent a letter to them, I was sent a collection letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I have found several bad/unknown addresses on my credit report that do not belong to me. My only address is XXXX XXXX XXXX, XXXX, OH XXXX. Please delete/remove any other address from my file they are not correct : XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX, XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXXXXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX My name is XXXX XXXX XXXX. 

Please delete the following names : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
We signed a Home Equity Line of Credit ( HELOC ) with Bank of America NA ( hereinafter BOFA ) on or about XX/XX/XXXX. Upon request in person at a BOFA branch and by telephone around XXXX XXXX, BOFA acknowledged that our Promissory Note was sold, but unable to identify the true buyer ( s ). In good faith belief, we assert that our loan had been securitized and bundled with other loans to sell as stock by BOFA. We seek from BOFA to verify who is the Rightful Owner/Holder In Due Course of our Promissory Note with a " Qualified Written Request '' for copies of all sales contracts, servicing agreements, assignments, allonges, transfers, indemnification agreements, recourse agreements and any agreement, including Power of Attorney issued by BOFA to XXXX XXXX XXXX XXXX if any, related to our loan from its inception to the current date.

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 2017-10-06
Company: DISCOVER BANK
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
discover personal loans ref # XXXX on XXXX XXXX XXXX, I spoke with Discover loans who said I was eligible for a XXXX dollar loan based on my report and credit score. I had to upload my tax returns and schedule E. I was contacted by one of their team members XXXX shortly after i Uploaded the documents to say they could n't read them properly and they asked me to resend them. via their uploading system so they could 'hurry up and get the loan processed ' They then called me back and asked for XXXX XXXX, I uploaded this to them again and spoke with XXXX in their call center in XXXX XXXX she said she would make sure it got over to the relevant processing department, they were finally going to get the loan processed within 48 hours. 48 hours passed. I heard nothing. I emailed them. I heard nothing. I emailed them again. I have enclosed a copy of the email chain i sent them. 
Today I receive a letter from them dated XXXX XXXX! the actual day that I was speaking to XXXX, they went onto the credit bureaus and could n't process the loan! They did this BEFORE i had been approved, they had already approved my loan, they just wanted to verify my income! hence that was why i was emailing and uploading the documents. They have also given me a credit card increase and I have perfect credit! does this company even know what they are doing?????!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: WELLS FARGO & COMPANY
State: NY
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:
Hi, I was scammed a few years ago by someone online. It really hurt me mentally and financially. I actually went into a heavy XXXX. I was scammed by someone online in a gift card scam. The WELLS FARGO credit card was used for this scam. I am unable to access the account anymore. The company should still have my data and be able to see all my purchases. They are gift cards that I would have never bought for myself or anyone else. I was fooled and scammed into buying them. I am admitting that I was the one who bought those cards, but they were not used by me. I was a puppet for that person. He tricked me into buying those cards for him and he redeemed all of them digitally. I think they were XXXX  cards. It's been a few years, so I don't remember which company gift cards and the exact dates I got them. The bank statements should show those purchases and I might also have some useful pics, but not a guarantee to find them. 

I tried to talk with the bankers and told them about what happened. They said they will investigate and get back to me on it. No one got back to me and it's been over a year now! 

This has been hurting my credit score every month for so long. It's stopping me from being approved for a lot of things because my credit barely goes up. 

I will really appreciate it if you guys can help me with this, please.

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 2021-09-20
Company: Experian Information Solutions 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:
On XXXX XXXX i sent a letter to experian stating that I was victim of identity fraud with the police report attached. It was removed from the other two bureaus but experian refused to remove the items on my report. 
1. XXXX XXXX XXXX XXXX  Account Number : XXXX identity theft XXXX. XXXX XXXX  Account Number : XXXX identity theft 3. I have no acknowledgement of this account. Clearly this company has made a mistake XXXX Account Number : XXXX identity theft I have never heard of this company nor have I ever done business with them 4. XXXX XXXX XXXX Account Number : XXXX identity theft 5. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX identity theft 6. The following account is not mine XXXX XXXX XXXXXXXX XXXX Account Number : XXXX identity theft

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 2019-04-08
Company: C/C Financial
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Furniture was leased with XXXX XXXXXXXX, advised me that i now owe 3 times what the furniture initially costs, even though payments have been made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: NY
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:
ccording to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX XXXX  XXXX XXXX XXXX XXXX account .Ive Been trying to verify this account for XXXX months from XXXX XXXX XXXX XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XXXX-2019 I tranfered money and then I get over draft charged, they are stating the checks came in first I filed a transfer but it still showed negative all day. Checked it in the eve and still was negative? I am being charged XXXX times 3 thats a lot of money for a mistake made on the on line banking. In XX/XX/ 2019 this also happened to us. The branch was able to fix it. 
thank you 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 monetary relief
Consumer complaint received 2019-04-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
XX/XX/XXXX Wells Fargo XXXX XXXX staff introduces a traveling credit card, I got Introducing the Propel Card paper ( see attached file XXXX.for To qualify for the 30,000 bonus rewards points, ) and online apply and got new card # XXXX that 3 % travel ( item ) : Airline, passenger railway, hotel/motel, timeshares,, XX/XX/XXXX I pay {$1200.00} to XXXX XXXX XXXX AZ that is timeshare Owner Resort Maintenance fee belong Travel ; But I only got 1 % rewards points. I sent Message to Wells Fargo, before they said only phone talk. XX/XX/XXXX talk XXXX still no answer. XX/XX/XXXX I sent Message why I dont see Get 30K bonus points when you spend {$3000.00} in purchases in the first 3 months. item, and insist on ask Message reply. XX/XX/XXXX XXXX XXXX reply Message how important it is for you to be able to find out when your promotional 30K rewards points will reflect on your account. XX/XX/XXXX I spend more/over {$3000.00}, but still dont see bonus points. XX/XX/XXXX I sent Message again my Credit card # XXXX already use over {$3000.00} until to XX/XX/XXXX, please keep the honor as Get 30K bonus points when you spend {$3000.00} in purchases in the first 3 months. item, and deposit 30K bonus points to my reward account. But XX/XX/XXXX XXXX XXXX reply Message If you currently have an open Wells Fargo Credit Card account, or that was closed within the last 12 months, you may not be eligible for introductory offers on new credit card accounts., I dont agree description, XX/XX/XXXX I talk with Mr . XXXX XXXX who said within 15 months apply 2 credit cards, new credit card cant get bonus offer. I tell XXXX branch introduce Propel Card paper dont show you mentioned 15 or 12 months reason, If you delete bonus offer for my new card, you must notice me before, or dont accept my application. He said No, No, No., think didnt need. I also mentioned XX/XX/XXXX pay {$1200.00} timeshare Owner Resort Maintenance fee, only get 1 % rewards points, he terminated phone. XX/XX/XXXX XXXX calls said send 15 months description paper to me. I find Wells Fargo already amend/plus 15 months item to webside. Why now become 15 months, because I apply another card # XXXX in XX/XX/XXXX that just is 13 months. I claim them pay 30K bonus points and less XXXX points ; and also remind Consumer notice Wells Fargo dishonest and immoral way. Of course have other story for this card. 
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 non-monetary relief
Consumer complaint received 2020-11-10
Company: ONLINE Information Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-26
Company: EQUIFAX, 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:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them a letter, for the said request, I still haven't received any response up to this date. Besides, the inaccurate information about my accounts are still on my report. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4.00} DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$270.00} DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3200.00}

Company response to consumer: Closed with explanation