BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-24
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Collection accounts were added to my credit report on XX/XX/XXXX for {$620.00} and on XX/XX/XXXX for XXXX. I sent 3 rounds of debt validation request to Equifax on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as well as a complaint letter stating that the collection agencies failed to provide proof of validation for these debts. Equifax responded to me on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each response consisted of a copy of my credit report stating that the debt had been validated. Equifax has yet to provide me proof of these claims such as a copy of an original contract with my written signature on it or any information as to who they spoke with during this investigation or what evidence was provided to validate this debt. Equifax is violation of section 609 of the FCRA by continuing to report inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My concern is terminating XXXX  from my mortgage. I am over two years into my mortgage with 13 % off original price of the home paid. I paid 10 % down. Can I have my home reappraised and use it's current value as a way of having the 22 % required to terminate 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 2019-11-21
Company: Paypal Holdings, Inc
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
PayPal violated the FDCPA, 15 U.S.C/805 by calling my spouse and discussing my personal account with him. On Thursday, XX/XX/2019 their debt collector/collections called my husband 's personal cell phone and asked for me and then preceded to give him the balance owed on my account as well as an offer to settle. This account is NOT jointly owned and I have never given them permission to discuss my account anyone other than myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Amsher Collection Services, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the homebuying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: EQUIFAX, 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:
Equifax refuses to remove fraudulent and inaccurate information off my credit report. I have filed several disputes to no avail. They are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: WELLS FARGO & COMPANY
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
There was no response to the 3 issues that I am concerned about that needs Investigation on 1. Regarding the {$250.00} Pay for Performance under the 2MP Program I did not receive that credit. The dates below shows the years I did not receive. 

The Issues I have concern about were not addressed ( If they were please advise where ) program was not received for the year XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
( I asked for a copy & that's not been provided ) 3. The $ XXXX ( {$5000.00} ). one time incentive payable the 7th year was not added to my account, the Frank Certification (  form 720 ) Wells Fargo did not follow the guidelines of payment, I never received payment. 

4. ( For each payment, a portion was added toward the Principal & a percentage to the Interest. 
percentage applied to Principal & percentage toward the Interest. 

5. I would like to get a document that shows what my payoff would be for this account.

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 2020-04-21
Company: EQUIFAX, INC.
State: MI
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:
Equifax refuses to investigate XXXX XXXX after been serve by certified mail for documentation associated with the account bearing my signature. maturity date of XX/XX/2020 has elapse which thirty days

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have had Wells Fargo for over several years now. The purpose of my complaint is because I was  XXXX  in the beginning  of 2017 b y the United States  XXXX  to  XXXX . While away my checking account took A large loss of funds by someone making unauthorized transactions in the United States. Upon arriving back t o America I acted acco rdingly and notified the bank immediately after finding out. I was notified by my personal attorney of the The Fair Credit Billing Act ( FCBA ) and the Electronic Fund Transfer  Act ( EFTA ) and did everyt hing correctly. I also notified the bank that I have Military orders that show I was   XXXX   XXXX   XXXX   but withi n two days  after filing a dispute they denied my claim for reasons that show an investigation was not fully done. Wells Fargo stated because there was a transaction that included the entire claim of  over 20 transactio ns and over {$1000.00} of my hard earned money was denied. Yet again after filing a compliant to CF PB, A   XXXX   XXXX   XXXX   XXXX   from  the ATM/Debit C ard Executive Office r eached out to me stating the reasons he believed the fraudulent transactions were authorized due to no incorrect pin attempts. The fraud activity could not have been authorized because I was in the   XXXX   XXXX     XXXX   XXXX   XXXX   and have even went as far as to furnish and provide my  Military orde rs to help with the investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-04
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem extending the lease

Complaint:
Chase auto finance. I extended my lease with them and I wan na buy the car. I had some medical issues and I became a little bit behind. last Monday I paid {$810.00} and {$270.00}. Total of {$1000.00}. before that I called and spoke to XXXX and he gave me paperwork to extend by my car out. Told me what to do so I did it. I mailed the paperwork back. The lady XXXX from the call center continues to call me. I had enough I spoke to supervisor XXXX who is very incompetent. Told her all the paperwork was mailed out I want to buy the car leave me alone. Give me whatever I need to fill out. They are uneducated people that wont help you. When I asked to speak to her supervisor she refused. I want to buy the car out and Im getting nowhere with anybody with Chase. I am a healthcare professional I dont work in a call center. I dealt with sick people during the height of Covid. They work at a call center work from home. Theyre not my cup of tea and they need to learn customer service. She needs to learn how to speak to people and not leave messages and know how to read the notes in the system

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
There were about 5 hard credit inquiries that I didnt apply for on my credit report. Also a social security number that wasnt mines on my report. A couple of the inquiries occurred on XX/XX/XXXX. Some were on XX/XX/XXXX. There was a soft or hard pull on XX/XX/XXXX. I contact those companies and they looked into it and no open credit lines and I contact the credit bureau to dispute the fraudulent activity and added a freeze on my credit line.

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 2017-12-06
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt was not even mine. My friend used my info when I was living with them and opened this account fraudulently. When I moved out they never changed this and screwed me over. This needs to be removed and forgiven as it 's ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: JPMORGAN CHASE & CO.
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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
XX/XX/XXXX XXXX charge {$120.00} XX/XX/XXXX XXXX  {$15.00} Other charges that my bank made me aware of equaling {$170.00} Spoke to XXXX, XXXX, XXXX, XXXX, and XXXX. XXXX stated that I would have the funds in a few days. I filed the paperwork on XX/XX/2018, Fraud Department is unable to reach me. But is unable to as because of my funds being negative I was unable to pay my cell phone bill.

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

Complaint:
company : coinbase.com and XXXX ( same company ) XX/XX/XXXX : Open my account XX/XX/XXXX : I am not longer able to access my account in Coinbase.com and XXXX I have sent numerous emails and called numerous times. They send a form letter say they are looking into my account. I have over $ XXXX in assets with this company. 

Please help! This is my entire life savings stuck in this company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I had {$11000.00} loan on XX/XX/2006 to attend XXXX XXXX XXXX. I've made payments totaling over {$21000.00} XXXX dollars. They allege I still owe {$10000.00}. 
This is ridiculous and a blatant robbery. 
I need assistance with this company that is probably doing the same to thousands of other people. 
I am a XXXX XXXX XXXX XXXX caring for my son and I this is a burden on my finances and it is compromising my stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: EQUIFAX, 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 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 XXXX  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 2019-11-21
Company: Netspend Corporation
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I referred my husband thru the referral process. They sent a card we Active the card with my referral number. They refuse to credit. Several different reasons. First they said they sent a card last year but he never received or actived it making it void thru the program However Per there terms of eligibility. No activity 180 days. make them eligible .Today they say they sent a card from randomly from marketing at the same time instead of referral so it wasn't eligible. Sending a card at the same time of referral to my address at the same. time. The information they obtained from my referral. They scammed us into referring people using this information to send. Cards from referrals then saying they were marketing random people and therefore not eligible for referral money.. 
I see this as a scam they steal referral information using it letting customers believe they are going to get rewards when in fact they have no intentions but to use the information for there benefits. Refusing to apply credit often putting me on hold. 
Now after weeks of back and forth Im told my account is not eligible for refer a friend program. when I ask why they put me on hold with no answers. Put me on hold then go blank with obvious the line is still open. I don't plan on hanging up .I have been on the phone the whole time I am writing. No good answers for why they treat customer 's this way.

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 2021-06-30
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit control corporation in XXXX XXXX Virginia continues to report medical debt on my credit report that is not owed. I have called them dozens of times, submitted insurance information as well as disputed with the three major credit agencies. My husband is XXXX XXXX military and we have XXXX  prime insurance in which we are not responsible for any co-pays, deductibles or fees or any kind when it comes to XXXX XXXX. They have been report and attempting to collect from my over {$1000.00} since XXXX. When I report it to the credit reporting agencies it just starts the clock over for when it is being reported, so now my report reflects XXXX, XXXX and XXXX when some are 6+ years old. I have also submitted complaints to XXXX directly and they state they have done everything they can but these accounts are no longer with the original facilities so its up to credit control to drop it. I do not owe these debts and this is a huge injustice to service members and their families as I am not the only one dealing with their shady tactics to money grab from service members.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: BARCLAYS BANK DELAWARE
State: NY
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:
Back on XX/XX/19 Barclays XXXX  Business Credit Card, was transferred two payment of {$2000.00} and {$4000.00} dollars. This wire transfer was from our credit union. This payment was sent in error and a stop payment was placed by us at the  Credit Union involved. 
We paid our credit card balance off online from our checking account and sent to credit card company. Our balance was now {$0.00}. 
On XX/XX/19 Barclays added the {$2000.00} return stop charge back to our account. 
To date, after speaking to several Customer Service Employees, Supervisors and Managers, nothing has been corrected. They added a {$2000.00} amount in error to our credit card bill, with no explanation why and will not remove it. Customer Service Reps will not give us their names or Supervisor/Corporate names or phone numbers. They disconnect us and or transfer us back to Customer Service Dept., just to start entire complaint process again. 
These monies were transferred to them then a stop return was issued. Barclays statement shows stopped funds, but yet they added {$2000.00} to our balance, out of nowhere, with no explanation. They told us to give them time and has been 10 weeks, When we call them, they ask to give them more time to clear this problem up. Nobody has called us back or attempted to radify error.

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 2022-05-04
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 XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
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 an account without my written instructions. 
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX violated my rights. 
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 an account without my written instructions. 
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX has violated my rights. 
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 an account without my written instructions. 
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 
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 an account without my written instructions. 
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 
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 an account without my written instructions. 
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX & XXXX has violated my rights. 
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 an account without my written instructions. 
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. 
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 an account without my written instructions. 
In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXXXXXX has violated my rights. 
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 an account without my written instructions.

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