BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-26
Company: DApps Platform, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
My money has been stolen via a crypto platform I used to trade crypto currency. There are a lot of details but I'll get to the point. 

I use Trust Wallet to connect to the trading platform ( XXXX XXXX XXXX This is where I buy/sell crypto and withdraw funds. Most recently, I went to withdraw my funds from XXXX - XXXX. I was told by XXXX customer service that my funds have been successfully withdrawn from the platform and are now stuck on the blockchain. In order to release the funds from the blockchain, I had to pay a fee. After paying the fee, the XXXX customer service has stopped responding to me. My funds are no longer in my account. I have a total of {$970000.00} in the account. I have no idea where it is or who has it. 

I filed a complaint with Trust Wallet but they have not been any help or even offer a response whatsoever. I already filed a complaint on IC3 as well. 

I have many screenshots of conversation with the ledgiit.com customer service. I also have wire transfers receipts. I have sent this to Trust Wallet and so far they have not provided adequate responses, do not respond at all, and has not offer any details of the investigation and/or any other assistance.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Purchased a card and loaded it with {$500.00}. Was never able to access funds I loaded when I purchased the card. I was told my identity couldnt be verified even after I provided all information and documentation requested. Netspend advertises that you can use the card immediately following purchase.

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 2022-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon checking my report I noticed a collection from XXXX, Ive never done business with this company or entered into a written contract with this company. This account is fraudulent. 

Please see attached Ftc!! Please dont respond back saying you cant read upload ftc report.

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 2022-01-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/2022, my identity protection service notified me that there had been a credit inquiry from Capital One where I do not have an account and never applied for a credit card. I called Capital One to inform them of this. 

On XX/XX/2022, I received a Capital One Credit Card in the mail. This was not a credit card offer but a genuine card with directions to call for activation. I called Capital One again that same day and after being redirected a number of times, I was finally put in contact with their fraud department and was told that they would do an investigation. I have not heard back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: NC
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'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listed XXXX 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 2018-01-23
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
After calling equifax, XXXX, and XXXX on many different occasions to resolve my childsupport being reported as owed and it is not owed they are still violationing my rights per the FCRA by reporting the false information. They are also hurting my chances of obtaining any credit by falsely reporting incorrect information. I sent faxed XXXX and equifax the letter my case worker sent me stating that I do not owe anything and I also uploaded it to XXXX but once calling XXXX they said they didnt receive it. XXXX and equifax are saying they cant delete it with the letter which is proof that I do not owe anything in childsupport. I have paid on time for several months and I became current in XX/XX/XXXX. XXXX told me to get in touch with my case worker again to see if she did her part. She insured me that she has done everything she needed to do and its the credit bureaus that havent done their part. By reporting this childsupport not only are they violating the FCRA rules and regulations but they are also hurting my character. I have tried calling and calling the credit bureaus to resolve this promblem on numerous of occasions and they have yet to comply with the FCRA rules. The credit bureaus can not continue to report inaccurate information on my credit file. The law is very clear as to the civil liability and the remedy available to me, FCRA 616 & 617.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, I filed XXXX  XXXX Bankruptcy with XXXX XXXX XXXX in XXXX, GA. I had a mortgage through Wells Fargo Bank for my home in XXXX, GA. I filed the documentation to reaffirm my home loan and car loan. Home loan was with Wells Fargo Home Mortgagenand car loan with XXXX XXXX XXXX XXXX. Never had a problem with my car loan. But, with Wells Fargo, I continued to pay my mortgage from XXXX  ( bought the house in XXXX  ) to XXXX  when I tried to refinance. I was told that Wells Fargo no longer had me listed on the deed and that technically, I didn't own the house. I'd have to go through the " closing process '' again to get my name attached to the home again. I asked if I wasn't attached, then I could walk away. They said yes. But, a year or so later, I was notified that they had filed a foreclosure on me and sold my house at auction. I paid for the home for 10 years, never late, never missed a payment and they let me do that but never told me they didn't reaffirm the mortgage. Once I walked away with nothing as I just decided to accept defeat because what am I going to do against a bank, I don't have that kind of money to fight them. They filed a foreclosure to cover themselves and I lost my home, 10 years of investing in that property, and it showed up as a " K number '' when I tried to buy another home in XXXX. I was then told that I had to wait seven years to file for another government loan. I never thought I could do anything about it, but since they've been shown to be a bunch of crooks, I thought I'd try now.

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 2022-01-28
Company: AFNI INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never had a personal XXXX phone account, only a business account XXXX is no longer a cellphone business, I am being harrassed regarding debt that is not my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2023 I Was Checking My Credit Report & Noticed An Unknown Account From XXXX XXXX Account Number XXXX With A Balance Of {$2000.00} I Immediately Contacted ALL Credit Reporting Agencies To Dispute This Account After It Was Marked As Verified Without Conducting A Full Lawful & Proper Investigation & Sending Me A Hard Copy With A Detailed Description Of How This Account Was Verified XXXX Is In Violation With FCRA & Owes Me {$1000.00} For Damages Caused & Now Has 15 Days To Complete A Proper Investigation & Delete This Fraudulent Information From My Consumer Report After Receiving This Notice

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: HUNTINGTON NATIONAL BANK, THE
State: CT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
The Huntington Mortgage company, XXXX XXXX XXXX XXXX XXXX. XXXX Has put lean on my house for the amount of {$140000.00} on XXXX XXXX. 
I have no idea as to why and reason? We have not received any amount of money from them. We have not received any statement or any bill from them what so ever. We tried to refinance our house and find out about this lean.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I trust this letter finds you in good health. I am writing to bring to your attention my dissatisfaction with the outcome of my initial attempt to address and rectify fraudulent items on my credit report. Despite my best efforts in disputing these items, I find that they persist, and I am seeking your assistance in resolving this matter promptly. 

I recently discovered fraudulent items on my credit report, which I promptly reported through the designated dispute channels. To my disappointment, my initial attempt to address these fraudulent entries has not yielded the desired resolution. The presence of inaccurate information on my credit report has raised concerns about my financial standing and has the potential to impact my ability to secure credit and other financial services. 

I am writing this complaint to request a thorough and immediate reevaluation of the fraudulent items on my credit report. I believe it is crucial to address and rectify these inaccuracies promptly to ensure the integrity of my credit history. 

Enclosed with this letter, you will find copies of my initial dispute letter, supporting documentation, and any relevant correspondence for your reference. 

I kindly request your urgent attention to this matter and a comprehensive review of the evidence provided in my initial dispute. I expect a prompt resolution, and I insist on receiving written confirmation once the fraudulent items have been removed from my credit report. I am asking for your assistance to remove the following fraud items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
not sure how cybercrimes are handled but it's out of my paid grade but FTC and police reports satisfy my claims so if wells Fargo and XXXX XXXX knows more then them why haven't they caught the individuals or individual maybe Wells Fargo bank should read the laws on FDIC and insurANCE AND XXXX XXXX UNDERSTAND ON CREDIT LAWS THAT I HAVE SATISFY THE CLAIM BY LAW

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 2022-01-28
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: Account information incorrect

Complaint:
XXXX, {$990.00} -EXPERIAN , I have pulled my credit report from Identity IQ. XXXX XXXX is reporting inaccurate information on my Experain credit report. 

1. ) Date Opened is inaccurate compared to XXXX XXXX. ) High Credit is inaccurate compared to XXXX XXXX. ) This account is a collection/charged off. Therefore it should not report a PAST DUE AMOUNT. 
3. ) Date Last Active is inaccurate compared to XXXX The Fair credit reporting act states that a furnisher SHALL NOT report inaccurate information to ANY consumer reporting agency. Refer to 15 U.S code 1681s-2. Delete this account for reporting inaccurate information

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 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have a problem with not changing or updating my documents with XXXX and TransUnion!!! 
Not showing up on the internet screen when companies do an credit report!! 
They see derogatory information when I'm receiving 10 documents being deleted, it's been a long XXXX XXXX and XXXX and TransUnion still hasn't updated, the internet correct updates that deleted all the negative information!! 
XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-01-28
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I went to make my mortgage payment with Mr Cooper loan servicer. I could not log into website which has worked several months in a row without any issue. 

Tried to reset password and a code that was supposed to arrive in email never came. I checked spam folder, added email to safe senders list and nothing. 

Tried to call to get resolved- was on hold for an hour and no one responded. Hung up and tried again. Reached a rep who had no understanding on how to resolve issue. Said tech support would have to contact her and I still could not make my payment. 

Called again, reached someone and this rep changed my contact email to my other email account to get reset code sent to me 2nd email address and SAME problem.

Company could not get this straightened out on their end due to incompetence and lack of understanding. The issue clearly on their end as two email addresses do not send a code. But with their lack of a response it seems like they are clueless. I have no way to ever resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX, I called and spoke to a rep concerning my student loan payment that was taken out XX/XX/XXXX. I had explained to the rep that the CARES Act had passed and that no interest should be taken out of my payment from XX/XX/XXXX, through XX/XX/XXXX. She agreed and explained that they were backed up and to give things a few weeks to refresh and update to my records. 

It wasn't until XX/XX/XXXX I decided to log in to my account since my conversation last spring. There was no change to my payment history. I still had my {$400.00} ( {$340.00} principal {$52.00} interest ) payment reflected. The rep advised her was putting in an inquiry for research and someone would respond within 3-5 business days by mail. 

This evening, XX/XX/XXXX I reached out again. I was advised that the CARES Act went into effect XX/XX/XXXX and that inquiry that took place last month denied my request for refund. I never requested a refund. I requested if the payment was to be taken out to please move the interest incurred into the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hello I spoke to several representatives before XXXX about a forbearance. The system stated I used 3 months out of the 12 months available of forbearance. I made on time payments in the year XXXX which they claimed I used. 

Nobody followed up with me to fix the forbearance error since I never used the 3 months so I should have 12 months available instead of XXXX. 

Is that a glitch?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Ability Recovery Services, LLC
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: Account status incorrect

Complaint:
Credit collection agency reporting medical bill due. I did not have XXXX XXXX XXXX XXXX  this year. They show I had XXXX  charge in XX/XX/2023. I did not go to XXXX XXXX and I have medical insurance anytime I go to XXXX. They are incorrectly showing collection and date of balance. They are violating FCRA rules of reporting medical collection before 365 days have past and I do not owe debt. In addition, they are violating my HIPAA rights. If it was for treatment on some other date, they have failed to provide information and bill, more importantly billed my health insurance.

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