BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-10
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: Information belongs to someone else

Complaint:
The problem Am having with Experian is that the Length of time these accounts have been on my credit profile has exceeded the Statue of limitations allowed. By LAW any accounts older than 7 years Need to be deleted off my credit report. 

2 ) XXXX XXXX  XXXX Account XXXX Balance : {$1000.00} XXXX ) .XXXX XXXX XXXX XXXX Account XXXX Balance : {$900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30
Company: Bread Financial Holdings, Inc.
State: DC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I opened a XXXX Visa Credit Card on XX/XX/XXXX. The credit card is administrated through Comenity Capitol Bank and I was told I would receive my credit card within 10 days of approval. On XX/XX/XXXX, I was sent an email stating that my credit card statement was available and that I could pay. However, I needed my full account number in order to pay online. By XX/XX/XXXX, I had yet to receive my credit card in the mail and still could not access the account number. I called XXXX Customer Service and Comenity Bank to receive my account number so that I could register, activate, and pay my bill. I was then told that Comenity 's servers were down and therefore they could not access my account number and information. I attempted again in early and XXXX 2022 and was told again that there were issues with servers. On XX/XX/XXXX I contacted XXXX and received the following response from XXXX 's Customer Service : " Hello XXXX, I truly apologize for the confusion. 

I want to inform you that Comenity Bank is currently experiencing phone contact issues and we working to resolve this matter. At this time, I recommend you to allow 24 hours to re-attempt your phone call. If you are still unable to access it, please allow more time to receive your physical card by mail. 

Thank you so much for your interest in our company. I hope you have a lovely day! '' In XXXX, I called Comenity Bank to inquire again about the status of my credit card. At that time I was told Comenity 's servers were working again and so I finalized a payment on the card via phone. Additionally, I was told that another credit card was ordered for me and would arrive within 10 business days. I went out of the country from XX/XX/XXXX- XX/XX/XXXX. When I returned on XX/XX/XXXX, I still did not have a copy of the physical card in the mail. However, I have two bills from Comenity instead and a new balance that does not match the previous balance I had when I made a phone payment. 

Thank you for looking into the negligent and predatory consumer behavior that Comenity Bank has employed against me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-10
Company: Experian Information Solutions Inc.
State: SC
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 discovered the following inconsistencies in my Personal Information, and I would like to have all of the false and misleading information removed from my credit report. These inaccuracies have harmed my creditworthiness and limited my ability to obtain fresh credit, and I have been contesting them for a long period. 
I've made a list of the details on my personal information that is falsely reported and that must be removed immediately. 
Name : I do not have any other names or aliases required, and I do not want any other names or aliases to be kept or disclosed. 
Address : I do not have any additional current addresses, and I do not want other addresses to be kept or disclosed. 
Birthday : I do not have any other dates of birth that are required, and I do not want any other dates of birth to be kept or disclosed. 
Employers : I do not work for these employers listed and I don't want them to be kept or reported.

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 2021-07-06
Company: Nelnet, Inc.
State: IL
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:
Filed Credit Disputes to all 3 credit bureaus disputing Nelnet Student Loan debt to no avail. Called Nelnet throughout the years ( more than 10 years ) trying to get them to get records from XXXX to verify the debt. They continued to advise the debt is valid. Called XXXX and they stated they have no control over Nelnet reporting system. 

Nelnet is reporting an inaccurate balance of more than XXXX in oppose to less than {$50000.00} from XXXX. 

Nelnet is reporting multiple loans on same date which is inaccurate ; never received ; they are also reporting wrong amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: WELLS FARGO & COMPANY
State: TX
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:
On 3 different occasions during the past 8 months, I have mailed, faxed, and delivered in person documents showing me as Power Of Attorney for my XXXX XXXX XXXX mother so that I can have access to this credit card account. This account had fraudulent charges made to it late XXXX and they were promptly reported. Because I chose to wait until I got a full account of the transactions on this credit card before paying, Wells Fargo has sent negative indicators to Credit Bureaus which has resulted in her only other credit card through another issuer to be cancelled. This is the only way we have to taking care of her and providing her daily essentials. 

They have not been cooperative or communicative as far as confirming they have the documents or asking any questions they may have to resolve the issue. The bank segment of Wells Fargo had no issue adding me as POA. In fact they faxed all the documents over to the credit card division and received confirmation that they received back in XX/XX/XXXX. My mother has had a Wells Fargo checking account for over 50 years.

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 2019-07-18
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello, I am asking for help about unauthorized charges in my bank account, my account was frozen around the month reported in the process that I received multiple fraudulent charges, when my account was updated I reviewed all my accounts and saw multiple charges then I proceeded go to a regional bank branch to make a claim about all the fraudulent TRANSACTIONS in my accounts told me to wait 30 days maximum, wait time and call to know about the process they told me they canceled it they did not give me a correct reason so I decided appeal the case and now it is again in investigation please I need you to thoroughly review each fraudulent charges and return the funds to my bank account and I demanded information about the people who could have used my information in every charge I had in my account please demand that come back my money is the second time I am sending this complaint if you need more information do not hesitate to tactarme .. thank you for understanding ..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Wells Fargo has never tried to correct my mortgage situation, I got statements that are incorrect. 
The statements shows incorrect monthly payments they show I paid lower payments but my payments are much higher {$790.00} a month. 
I'm not behaving on my mortgage, I also had problems trying to refinance my mortgage but I keep getting turned down. 
I have Equity that I need to use for home improvement and a vehicle, I haven't had a vehicle for over 5 years. 
Wells Fargo can not be trusted what so ever.

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 2020-01-27
Company: Ad Astra Recovery Services Inc
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a credit alert of new collection debt on my credit report XX/XX/2020. I immediately attempted to dispute the item because I have never received any notices to pay or know how the balance is what it is. I requested a investigation with all 3 credit bureaus to get more information on this account through Ad Adstra Recovery XXXX XXXX XXXX. 
Instead of receiving information from the collection agency I was served with a lawsuit from XXXX XXXX directly without any type of response regarding verification of debt. They are threatening to garnish my wages in a civil judgement now because I asked about the validity of the balance owed. They have not given me any opportunity or notices prior to serving this notice. It has only appeared on my credit for 30 days prior to lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Multiple Problems Started the day I applied : 1. Takes 10-14 business days to get card. Card was lost in mail, took a lot of convincing for Synchrony Bank ( Paypal XXXX mastercard ) to expedite the replacement card. 
2. They do not reset credit limit even after you pay off the full balance. Takes up to 3 weeks for limit to reset. 
XXXX. They take longer than other credit cards ( XXXX  XXXX, XXXX, XXXX ) to post payments. 
4. Was using card on many utility bills. I paid balance off and extra as soon as purchases were made. I have excellent credit and have never had a balance remain. Synchrony bank still cancelled my account, shut down the card, and took away all the cashback I had received, thus rendering the purpose of the card useless. They sent my file for review and will decide what to do. 
5. Synchrony bank has done a poor job with this particular cashback card. Customer service is of no help as they do not control company policies. 
6. I have overpaid everytime, Synchrony bank believes I wont pay my bills even though they will be returning money to me if they permanently close the account. I have never missed a payment and actually had a positive balance on my last statement.

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 2019-07-18
Company: Sequium Asset Solutions, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today, got fifth call and hangup from XXXX. I called it for second time and lady told me again that it was mine when she called back. Refused to tell me MY NAME. She called back and used fake number and called me a deadbeat XXXX. I know this is not my debt. I'm retired, own 3 homes in XXXX, XXXX, and XXXX. Have over $ XXXX in LIQUID ASSETS and credit rsting of XXXX. I've had it with this XXXX and wish to take revenge on this miscreant.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Experian Information Solutions Inc.
State: AL
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:
Upon pulling my annual credit report I notice some credit inquiries that were unauthorized and were not clearly and conspicuously disclosed. My research on the FCRA Laws, states reports containing information solely as to transactions or experiences are to be excluded from my consumer report. Attached I have the names of the companies that are in violation. This is causing injury and is causing me to get denied loan/credit opportunities from me and my family. Thank you for your 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 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of fraudulent activity.

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 2022-08-30
Company: ARVEST BANK GROUP, INC.
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My payroll is directly deposited into my checking account biweekly on Friday morning just after XXXX midnight. I pay bills as normal both Friday and Saturday with my debt card with no problems. Now, I thought debit purchases come directly out of the account. Why is it that I have had insufficient funds for the past three pay periods because Arvest puts the transaction? I have been charged four insufficient charges today and it should only show one. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
On XX/XX/2021, A Affidavit of Truth and Cease and desist notice has been provided to Portfolio Recovery Associates by I, the consumer in fact via Certified mail number XXXX and Return Receipt tracking XXXX XXXX XXXX XXXX XXXX XXXX During the initial 30-day investigation period XXXX Portfolio Recovery Associates is on notice that they should not email or call me, not collect any alleged debt, to write me only at the address listed in the letter, to not send me printouts/copies of the proper documentation, and to not send me statements/bills as it will be a violation pursuant 15 USC 1692g ( b ). Portfolio Recovery Associates communicated or attempted to communicate with the Consumer Reporting Agencies about me without my direct prior consent which is a violation pursuant to 15 USC 1692c ( b ) causing harm to my reputation which is also a violation pursuant to 15 USC 1692d ( 1 ). Upon further research and discovery, I am the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the surname/given name. Pursuant 15 USC 1692e ( 2 ) ( B ) any compensation lawfully received by any debt collector is FALSE REPRESENTATION and using the false representation of the amount or the legal status of any debt is also FALSE REPRESENTATION pursuant 15 USC 1692e ( 2 ) ( A ). Pursuant to Fair Debt Collection Practices Act ( FDCPA ) and 15 USC 1692g ( a ) ( 4 ), if the alleged debt is not directly verified by the true bill in commerce within thirty 30 days, per law, it be deemed void by the consumer acting as administrator pursuant to 15 USC 1692c ( d ), consumer defined, administrator. Portfolio Recovery Associates has committed several federal violations against me, Federally Protected Consumer, for which I am entitled remedy. Portfolio Recovery Associates must now provide me the following due to their trespass against me in which they are civilly liable for pursuant 15 USC 1692k : Amount owed to me as stated in the Bill of Particular ( s ) All the documents, exhibits, violations, Bill of Particular ( s ), and overall proof of my claims are included in the Affidavit of Truth attachment to further explain this statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was charged 2 separate overdraft fees ( not sufficient funds ) of {$35.00} on X/X/2017 and X/X/2017 without Capital One first notifying me via email or phone or text.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I am a XXXX and I was checking to see if my paycheck was in my account this morning only to find that I was at a negative - {$540.00}. My rent and bills are due soon! I then went on to discover that I had been charged fraudulently by Coinbase.com nearly {$4500.00} w including an insane amount of non-sufficient fund fees from my bank. I think if I had even more money, this scam would have taken even more of my money. It was only when I was sucked completely dry of all available USD that my account was frozen from my bank. From what I can see as of right now I have the following scam charges from coinbase.com .... ( I am only assuming these as of now, but there could be more ) the list of transactions are as follows : XX/XX/XXXX PAYROLL/ACH + {$2200.00} - {$540.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD FEE - {$1.00} - {$2700.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD - {$200.00} - {$2700.00} XX/XX/XXXX COURTESY PAY FEE - {$32.00} - {$2500.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD FEE - {$2.00} - {$2500.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD - {$270.00} - {$2500.00} XX/XX/XXXX COURTESY PAY FEE - {$32.00} - {$2200.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD FEE - {$0.00} - {$2200.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD - {$100.00} - {$2200.00} XX/XX/XXXX COURTESY PAY FEE - {$32.00} - {$2100.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD FEE - {$0.00} - {$2000.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD - {$100.00} - {$2000.00} XX/XX/XXXX COURTESY PAY FEE - {$32.00} - {$1900.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD FEE - {$6.00} - {$1900.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX COURTESY PAY FEE - {$32.00} - {$1900.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD - {$820.00} - {$1900.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD FEE - {$5.00} - {$1000.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX COURTESY PAY FEE - {$32.00} - {$1000.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD - {$740.00} - {$1000.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD FEE - {$8.00} - {$300.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD - {$1000.00} - {$290.00} XX/XX/XXXX COURTESY PAY FEE - {$32.00} {$700.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD FEE - {$8.00} {$730.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD - {$1000.00} {$740.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD FEE - {$3.00} {$1800.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD - {$380.00} {$1800.00} Please help, I can't buy food, I can't pay rent, I can't do anything. I am scared.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: TX
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: Problem with personal statement of dispute

Complaint:
I have been trying to validate some allege debt on my credit report for about a year now with the credit bureaus. there's several accounts reporting inaccuracies on my credit report. for my understanding every single account reporting on a consumers report should be accurate in order to be on a credit report. I have account that the collections agencies are not reporting accurate. I have sent validation of debt to the collection agencies which mist of them they never replied to it. and the rest are reporting inaccuracies. 

I have tried several times with the credit bureaus to try to validate such accounts, but they either replied with a letter stating that the accounts have been verified or never reply at all. I decided to filed this complaint because I don't know what to do to get them to remove the account from my credit report. 

the credit bureaus are XXXX, XXXX, Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
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:
I spoke to an agent on yesterday at TransUnion regarding an account that was reporting as fraud on my credit report XXXX XXXX XXXX XXXX. It has been disputed before, and Transunion has came back and stated that it was verified. I even provided a FTC Statement to validate this item as fraud. At this point Transunion has violated my rights according to the FCRA. 

In accordance with the fair credit reporting act Transunion has violated my rights. 

15 USC 1681 Section 602 states I the right to privacy.

15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without written instructions. 

15USC 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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