BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-25
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I had a secured credit card with Wells Fargo. After roughly a year of consistently paying the credit card off each month ahead of schedule, they offered to switch my card to a non-secured credit card. I accepted the offer and thus they created a new card for me. The old, secured credit card was supposed to be closed automatically. 

Unfortunately, that did not happen and somehow transactions continued to occur on the card and worst of all payments I tried to make some how began to show as transaction amounts I owed. Subsequent fees and late notices appeared on the account. 

My wife and I have tried multiple times to work with Wells Fargo. The only people we get on the phone can't help us and the group they send us to doesn't appear to exist. We have spent endless hours trying to resolve this with Wells Fargo and at this point we don't have the time to continue to pursue this issue with them to no end.

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 2017-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I have repeatedly requested method validation of a bankruptcy reference XXXX reporting on my credit report and the agency refuses to comply. US Bankruptcy courts do not verify cases. And as of the new law effective XXXX XXXX, 2017 any public record reporting on a credit file must contain name, address, SSN and DOB. The bankruptcy record does not include this information and per the new law should be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: IL
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:
Equifax mishandled my personal information which has led to a breach that puts myself and millions of others at risk of identity theft and credit fraud. I am extremely disappointed with how Equifax has handled the reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call from Equifax despite their knowledge of the data breach since late XX/XX/XXXX, and instead am just now learning about it in the news, on XXXX XXXX, 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: WA
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:
My personal information was included in the list of potentially stolen information from the Equifax hack revealed in XXXX 2017. They have offered access to additional credit protection services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: NC
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:
According to Equifax, they have allowed my personal credit reporting information to be obtained by an unauthorized third party as a result of insufficient security protocols/procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
My name is XXXX XXXX and I am a XXXX XXXX XXXX at XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I started working at XXXX in XX/XX/2021. I, like my co-workers in the XXXX, use the square app for payment. Square.com has held my funds for the last 4 months citing a new " policy '' that they hold payments for new customers for 90-120 days. 

I need to pay booth rental, buy products as well as pay housing rent, food, etc. I have over 10k in that account and whenever I try to transfer the money to my bank account it gets denied. I need help as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: EQUIFAX, INC.
State: OH
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: M&T BANK CORPORATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
IRS economic relief payment scheduled direct deposit verified on irs.gov to direct deposit XX/XX/XXXX. No check was received nor any notice as to status or why it was not received. M & T is denying receiving it and they and I both verified on the IRS website that I was to receive a direct deposit of {$1200.00} on XX/XX/XXXX to my account. It is now XX/XX/XXXX. Nothing.

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 2022-07-11
Company: Experian Information Solutions 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 : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$110.00} Status Account charged off. {$110.00} written off. {$110.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX Balance {$710.00} Status Collection account. {$710.00} written off. {$710.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$990.00} Status Collection account. {$9.00} FCRA violations : inquires not mine 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/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX 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 XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date XXXX XX/XX/XXXX XXXX {$24000.00} 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 2021-08-25
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
chime banking has placed my account on hold due to someone sending me XXXX XXXX and then them disputing the transaction. its been over a month now and I had funds in there which I do not have access to. So basically they are holding onto my money that I will probably not see again. Which is FRAUD!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
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:
Transunion -- they have listed my business partners HOME ADDRESS on MY CREDIT REPORT! Nuts. I pointed this out in a letter detailing everything after numerous phone calls -- very frustrating ... and Transunion 's response? A form letter asking for verification of my current address. What nonsense. 

I need my business partner 's home address ( XXXX XXXX XXXX ; XXXX, TX XXXX ) OFF MY CREDIT REPORT. 
Thanks 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 2020-10-07
Company: LOAN TO LEARN
State: NJ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In around XXXX I came to find out that my father took out a loan with EduCap in the amount of {$12000.00} and used my information to obtain it. I used federal financial aid to fund my education and never used a private loan so I was surprised to learn this information. I filed a police report and my father who has now passed wrote a letter explaining the situation to the lender. I never received and do not recall receiving any information regarding this loan since about XXXX. Recently, I received a letter that my wages will be garnished. I have asked for and never received fraud and identity theft paperwork or a hardship request and reached no solution. This company and their collectors have been harassing me for over 8 years. I tried to reach a solution but was told to contact a lawyer and that the company decided I am responsible after several attempts following their rules to show I did not take out this loan. This is continued harassment and has to be illegal to never summon me to court and only send notices that I have to pay or they will take my hard earned money. I want the matter resolved and filed as fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: AZ
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:
Upon reviewing my updates, there are several unauthorized inquiries and incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are unauthorized and the following personal information were inaccurate and needs to be deleted immediately : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX Updated XXXX XX/XX/XXXX New Address : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated XXXX XX/XX/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 2022-02-09
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about the XXXX of XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX  XXXX ( the Scammer ), XXXX : XXXX  ( the Scam Website ), all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of XXXX USD was transferred from my wallet utilizing Coinbase services

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: ALLY FINANCIAL 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: Personal information incorrect

Complaint:
I received a letter dated XX/XX/2022 from XXXX. There are several names, addresses, an email, and telephone number associated with the Consumer Id # XXXX. Ally Bank XXXX XXXX XXXX XXXX  have alleged debts associated with my Consumer Id. 

What name is associated with these accounts? 
What address is associated with these accounts? 
What Social Security Number is associated with these accounts? 
How was this information verified to be accurate?

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 2022-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. Inquiry listed should be blocked, removed and suppressed for this are fraudulent and inaccurate. XXXX XXXX XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-15
Company: Experian Information Solutions Inc.
State: AR
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 trying to get my son a new vehicle because it broke down. My salesman told me that I would be eligible, but with a very high interest rate due to credit. I then asked to see my report and realized there were things on my credit I have never see. These items need to be removed as soon as possible. XXXX XXXX   XXXX {$79.00} XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX {$59.00}

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 explanation
Consumer complaint received 2022-07-11
Company: U.S. BANCORP
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
this company has violated my rights this company has not validated any of my specific request ( 1692ea ). They are still reporting inaccurate information on my character.

they have violated ( 1692cc ) by sending over information not specific not accurate information after asking for cease of communication.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: CA
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:
Equifax was hacked and my personal credit information is now available to black market hackers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: OH
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:
Between mid-XX/XX/XXXX and XXXX 2017, hackers gained unauthorized access to certain files at Equifax , Inc . 

Equifax announced this security breach on XXXX XXXX, 2017. 

I went to the website Equifax set up to address this issue, equifaxsecurity2017.com, and once I entered my last name and partial Social Security number, I received this message : " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I have taken action to place an initial 90 day fraud alert with Equifax that is supposed to also go to XXXX  and XXXX. 

While I understand that this event was not anticipated by Equifax, I feel that Equifax did not take strong enough precautions to protect my personally identifying information. My name, social security number, birth date, address, and possibly driver 's license number and credit card numbers, could be in the hands of people who could sell it. I am concerned about potential identity theft and I also feel like Equifax should have notified the public sooner, particularly those individuals affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: AE
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:
" Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, 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:
I 've paid for credit protection with Equifax for over a year now. Equifax was hacked and they believe my information was compromised. I already pay for their services and to further enroll in credit protection services will force me to waive my rights of legal action. 

I have not received a letter, email, or any other type of notification that my data was breached. I had to find out from XXXX after it was discovered that three executives sold their stocks 3 days before it was announced that they had been breached. This is unacceptable. This if true, is absolutely insider trading. The company executives need to be investigated along with the company as a whole. 

They literally had one job.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: AZ
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 XXXX XXXX, have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX XXXX with the XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment EQUIFAX XXXX XXXX XXXX AND XXXX ARE BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To someone that can help me, I am very deeply upset about all these erroneous items that are reporting incorrectly on my credit report. These accounts are unverifiable, invalidated, inaccurate, & FCRA violations. If everything is not reporting 100 % accurately it must be removed. These inaccurate items on my report are causing me hardship, I can not get a vehicle or apartment for me and my kids. It is my understanding that you will do an investigation immediately & you will send me a new credit report that reflects the updated changes. According to law, unverifiable inaccurate accounts must be removed and if you are unable to provide me a copy of the verifiable proof in 15 days after your investigation you must remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: MiraMed Revenue Group LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Miramed Revenue XXXX has opened 8 credit collections for one instance in XXXX, 2016 thus making my credit appear worse! 
This debt is incorrect and should be combined as one derogatory, not multiple.

Company response to consumer: Closed with explanation