BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX has taken {$45000.00} from my checking account. I called both XXXX  and wellsfargo to dispute to claim a fraud. Wellsfargo denied my dispute saying it is not fraud. I never had any account from 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 2022-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
My account was closed without prior notification. but that is not my main concern but rather that all my accumulated cash rewards in the amount of {$110.00} was seized by the XXXX XXXX. 
After contacting the XXXX XXXX they responded that they have sent me a notice that the account will be closed and if no action taken my rewards will be seized. I have explained to them that I have never received such notice and its just plain common sense that if I would have received a notice of such action, I would have not ignored it. Neither did I receive any email regarding such action. You can google and see the data yourself that billions of dollars of us mail is lost every year. The representative confirmed that they have not sent me an email, nor do they have any proof or certified mail on file that I have received such notice by mail, however she unfortunately can NOT help me because this is the policy of the company. 
This XXXX XXXX has found a way to rob its customers. Even if they have decided to close my account, its just fair and ethical to mail me a check of the cash rewards that they owe me and belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: SYNCHRONY FINANCIAL
State: NY
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:
I have been violated and trespassed against pursuant to 15usc 1692d ; Harassed and oppressive use of XXXX of an alleged debt 15usc 1692e ; Using false and misleading representation 15usc 1692f ; unfair practices attempting to collect an alleged debt 15usc 1692c ( e ) ; Communications without prior consent and many other violations including the truth in lending act and executive order 13892 ; Promoting the rule of law through transparency and fairness in civil administrative enforcement and adjudication. As a federally protected natural consumer, original creditor and principal on all accounts, I feel like this is an attempt to extort and rob me, personally, my family and my household. This is criminal activity at the least and is unacceptable. Each violation has a statutory cost of {$1000.00} and this does not include emotional distress, defamation of character, or any unseen injuries.

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 2022-10-29
Company: M&T BANK CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are a bunch of in active accounts on my credit report from this year and last year. i have filed numerous reports with the FTC in regard to this matter. i am also getting harassed by numerous debt collector in regard to these debts. I do not know any of the technical terms for the debts that are trying to be collected. i ask that the following accounts be removed from my credit reports XXXX Hard Inquires XXXX- XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX- XX/XX/XXXXXXXX M & T Bank-XXXX M & T BankXXXX 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 2023-11-01
Company: Nelnet, Inc.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I attempted to call my student loan servicer in order to get info about the SAVE repayment plan and their part of the application as I have just been laid off from my job and would like to work with them on sorting out my payments. I was put on hold for over 1.5 hours and my call was never answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt has been paid off since 2017 yet the finance company still calls continuously even after I have repeatedly changed my number, they track me down and then continue to call and harass me for a debt that doesnt exist. I have remitted the receipt several times and they still call. It is total harassment and its purposeful. The same company lost a class action lawsuit against them and I was reimbursed and they still call claiming that I owe them money!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FCRA violations : inquires not mine XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX NA Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type - XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX complex XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Rural route XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX FCRA violations XXXX not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations : accounts not mine XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$4500.00} XXXX Account XXXX XXXX XXXX {$4100.00} written off. {$4500.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX XXXX - XXXX XXXX, XXXX. {$1500.00} XXXX XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$17000.00} Status Account charged off. {$16000.00} written off. {$17000.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date XXXX XX/XX/XXXX XXXX - XXXX XXXX. {$510.00} written off. 
XXXXXXXX XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$550.00} written off. 

FCRA violations : payments never late XXXX XXXX XXXXXXXX negative Date opened XX/XX/XXXX Balance {$12000.00} Status Open.

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 2017-12-19
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, I ordered XXXX LTC ( Litecoin, Price per coin : {$150.00} ) via my linked bank account to coinbase Inc. for {$1700.00} USD, and XXXX ETH ( Ethereum, Price per coin : {$470.00} ) via this same payment method for {$2000.00} USD. On XX/XX/XXXX, I ordered XXXXXXXX ETH ( Ethereum, Price per coin : {$460.00} ) via same payment method for {$1200.00} USD. The money for these cryptocurrencies was withdrawn from my bank account on XX/XX/XXXX. Usually, the coins take 7 days to be deposited to my coinbase account. However, the three orders were canceled consecutively by Coinbase Inc a day before the scheduled delivery. I tried calling the customer service line in more than five different occasions, and there was no positive response from them, I have also sent couple of emails and created complain tickets, all to no avail. 
They have not delivered my coins, and they are still holding the money I paid for these coins. 
Since then, the prices of these coins have risen to : Litecoin, Price per coin : {$360.00} ; and Ethereum, Price per coin : {$840.00} as at the time of this complaint. 
Also, my account has been temporarily suspended from buying anything on Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
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 was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.

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 2018-05-24
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX/XXXX XXXX {$13000.00} This account is being reported without accuracy and consistency. 

For example payment history for XX/XX/XXXX are consistent XX/XX/XXXX, XX/XX/XXXX, skips XX/XX/XXXX, reports for XX/XX/XXXX through XX/XX/XXXX. however then goes to a 30-120 days late for XX/XX/XXXX and XX/XX/XXXX. My calculations for XX/XX/XXXX until XX/XX/XXXX is only one month apart so how is that 90-120 days late?

Then report for XX/XX/XXXX but skips again XX/XX/XXXX - XX/XX/XXXX. Returns only a report for XX/XX/XXXX I have been in deferment since I graduated. I dont understand the inconsistency in this reporting system but it is causing issues on my credit and holding me back from buying my house. 

I have called and expressed to a rep that I graduated in XX/XX/XXXX however she advised me they didn't get the record updates until XX/XX/XXXX. 


XXXX/XXXX XXXX {$18000.00} This is a duplicate account with different amount number and reporting information please delete it from my file or send promissory note confirming is duplication of payments received.

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 2023-10-23
Company: JPMORGAN CHASE & CO.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
purported letter from chase bank XXXX XXXX wanting {$80.00} and ssn.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30
Company: CCS Financial Services, Inc.
State: GA
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 was checking my credit yesterday XX/XX/2023 because i want to buy a house and noticed erroneous infornmation on my credit profile. below is the information. 

Account Name : CCS COLLECTIONS Account Number : XXXX Amount Owed : {$760.00} Account Name : CCS COLLECTIONS Account Number : XXXX Amount Owed : {$1000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$600.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$610.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$310.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$400.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$220.00} Account Name : XXXX XXXX Account Number : XXXX Amount Owed : {$750.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Amount Owed : XXXX Account Name : XXXX XXXX Account Number : XXXX Amount Owed : XXXX Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Amount Owed : {$200.00} Account Name : XXXXXXXX XXXX Account Number : XXXX Amount Owed : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On my credit reports it shows that Wells Fargo pulled my credit without my consent. That is a violation of my privacy. I did not authorize this inquiry.

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 2020-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I am having a tough time with Bank of America prepaid Edd card. I paid for something with the card that I saw on XXXX that cost {$170.00} which was a projector with the screen. I noticed almost immediately something was fishy with the company at because when I made the purchase and then was emailed the receipt it had a different company name on there. There was no phone number for the business and I immediately emailed my concerns. After sending several emails and waiting a couple weeks with no response other than your product is on the way I then sent several emails for a refund to no response. I emailed their XXXX page demanding a refund and still no response. So then I called Bank of America and told them what was going on and filed a claim. I was given a provisional credit in XXXX I believe. To this day I still never heard from that company or received what I ordered but today I noticed that Bank of America took the {$170.00} back out of my account. When I called they told me the claims department is closed and there is no supervisor to speak to because they are working from Home. Thats truly pathetic. Not to mention she couldnt give me any information as to why this money was taken back from me. I NEVER RECEIVED ANYTHING FROM THaT COMPANY. I tried to go on there supposed website today and its all fraudulent. Site is not working and says domain name is not purchased. So why in the XXXX am I out of {$170.00} on a fraudulent company that scammed me and now Bank of America is supporting that scam by taking my money. I thought they were FDIC insures for things like this. I dont have money like that to throw away. Im collecting unemployment for Christ sakes.

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 2022-01-10
Company: Experian Information Solutions Inc.
State: OH
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: Received unwanted marketing or advertising

Complaint:
Someone is using my name and address try to open multiple credit cards

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 2021-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Never gave authorization to this company to run my credit.I have asked on numerous occasions for this to be taken care of and nothing has happened

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
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:
XXXX, XXXX, Experian Mailed in my factual dispute for " co '' still reporting on a dead account, the accounts are still up and reporting, this is changing the statue of limitations which is stopping me from getting a home. This was XX/XX/2021.

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 2023-04-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2021-03-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a ticket XXXX stating it was in Arizona, XXXX XXXX. I have never been to Arizona. My license was stolen and I never was issued a XXXX  at any time.

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 2023-11-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Wells Fargo online banking has created a dark pattern where they do not provide customers with a self-serve option to pay an invoice via ACH, forcing customers to use wire transfers that charges customers a minimum of {$40.00} to make a transfer. 

The current options for me to make a transfer from my Wells Fargo online account to a business account at XXXX in order to pay my tax preparation service are 1 ) use bill pay to mail a physical check. The business will not accept checks. 
2 ) use XXXX to pay the invoice. The business I'm paying is not on XXXX. 
3 ) use a wire transfer to pay the invoice. This will charge me {$25.00} I want to make an ACH transfer and the only option Wells Fargo gives me to make an ACH transfer is to send funds only to non-Wells Fargo accounts I personally own.

This bank is deliberately forcing it's customers to choose an expensive wire transfer option in order for us to send a digital bank-to-bank transfer within the US. Wells Fargo has the ability to send money via ACH to non-wells fargo accounts not in my name but they are purposely choosing not to provide that option to customers and leaving us with only expensive alternatives. 

Their customer support team was not helpful in solving this over the phone and requested that I call the business I'm trying to pay and ask them to join XXXX or to accept a physical check which I find ridiculous.

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 2018-05-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
2 of the 3 Credit Bureaus, including XXXX and Experian, restrict passwords for personal access to your account to only 9 Numeric-only characters. 

In this age of data breaches, it is completely unsafe to use a short numeric only password.

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