BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-05
Company: Experian Information Solutions Inc.
State: HI
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:
Experian reported late payment on one of my accounts. After dispute, they corrected the issue. Now they overlaid corrected information with incorrect information again. Experian needs to stop fraudulent practices to make money.

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 2022-06-17
Company: Experian Information Solutions Inc.
State: MS
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: Was not notified of investigation status or results

Complaint:
I've been going back and forward with the credit bureaus for over 6 months and have yet to see the results that I am demanding dealing with these unverifiable accounts that are reporting to my credit profile. My most recent letter was sent on XX/XX/2022 to each bureau and I have yet to hear back from them 45 days later. I asked them to verify these inaccurate accounts that are reporting to my profile and they have yet to provide the verification that I have requested several times. My next step is to take this matter to court. Please assist me with this issue due to these accounts being a direct violation of the fair credit reporting act.

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 2022-01-16
Company: Nationwide Credit & Collection, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted UT XXXX about my bill back in late 2020, and I was told that my bill had been paid by insurance and that I didnt owe anything else. Now they are claiming I owe the {$72.00}. I dont believe I owe them this. They cant tell me what service they even gave me while I was there. I dont know what Im being charged for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have asked Wells Fargo many times to stop the solicitation of offers. This has been very distressing to my wife and I because all we want to do is make our mortgage payment and ensure it is applied correctly. The first complaint that was submitted to the CFPB on XXXX/XXXX/XXXX had the same problem listed. Wells Fargo agreed on XXXX/XXXX/XXXX to discontinue all solicitations within 60 days. It is now past 60 days and I am having problems navigating the website because the first thing I see is solicitations. I open my mailed mortgage statement and there is solicitation paper that falls out for credit card offer. On my mortgage statement there are 3 additional offers. These include an offer for a new mortgage, an offer to refinance my mortgage, and an offer to buy home and auto insurance. 

The payments that I make are very confusing to understand if they are applied correctly and on time. On my mortgage statement once I am able to get through all of the offers I see 2 lines for 1 payment. I have no trust with Wells Fargo because each person advises me differently and Wells Fargo does not follow through with their promises.
Wells Fargo refuses to talk to me on the phone since my phone automatically records all phone calls. This is a problem because I have to wait 10+ business days for a response by mail. Many of these responses I have been promised have never been received. The responses that are received are never followed through with such as removing solicitations in 60 days. The last time I spoke to Wells Fargo on the phone I was advised that I should pay past the due date to accommodate their payment logic. I am worried that Wells Fargo is going to foreclose on my house since they will not speak to me on the phone and is advising me to pay past the due date. 
Complaints with the CFPB have seemed to be ineffective.

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 2017-09-11
Company: EQUIFAX, INC.
State: ID
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 was involved in the Equifax hack. I do n't yet know how it will involve me. I 'm super stressed about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: DISCOVER BANK
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XX/XX/2019 I opened an on-line savings account and deposited a {$4200.00} check from the US Department of Treasury ( my tax refund ). My on-line account indicated that the check was received into my account. Subsequently I tried to transfer some of the funds from this account to another account external to this bank. 
After several days of no action I contacted the bank and they informed me that the account had been closed due to 'suspected fraudulent activity '. They suggested the check was not valid. 
For several days they said they were reviewing the account. on XX/XX/XXXX they told me that they had closed the account due to 'business reasons '. However, they have accepted the deposit into the account, and by closing the account denied me access to my money. They have told me that they will issue a check to me after 60 days. 
It is clear to me that they have decided to close my account as they did not like that I was transferring funding out of the account, and there never was suspected fraudulent activity, but they will not state this. 
They are holding my $ without my consent and I believe this to be fraudulent activity by the banking institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Dear sir/lady : I invested some money in Coinbase.com to operate with cryptocoins. 

Coinbase did lock my account during about 5 months ( from XX/XX/XXXX thru XX/XX/XXXX ). That is, they DID not let me recover my money during 5 months. 

My account was locked for no reason whatsoever. The did not send me any explanation nor attended my complains ( I opened 5 tickets ). 

The time when my account was locked was a period of high increase in cryptocoin value. Many other clients were blocked at the same time. I have a strong suspicion Coinbase simply operate clients money as they like, blocking your account when it holds a high value and releasing your account when market is down. 

There are many cases reported in forums : https : XXXX https : XXXX My account was released in XXXX. I got my money ( what was left ) out right away. 

Please take a look, I think this is just a fraud. 

Best regards and thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Experian is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : DEPT OF EDUCATION/XXXX  XXXX Date Opened XX/XX/2011 Balance {$3100.00}, DEPT OF EDUCATION/XXXX  XXXX XXXX Opened XX/XX/2011 Balance {$2100.00}

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 2022-01-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
on XX/XX/2021, I requested full disclosure under truth in lending, under notary via certified return receipt mail for proof of claim that the following companies XXXX and XXXX XXXX are in fact the creditors of my account. Both companies has dishonored my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
on XX/XX/2021, I requested full disclosure under truth in lending, under notary via certified return receipt mail for proof of claim that the following companies XXXX and XXXX XXXX are in fact the creditors of my account. Both companies has dishonored my request.

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 2017-10-02
Company: JPMORGAN CHASE & CO.
State: MD
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: Card was charged for something you did not purchase with the card

Complaint:
Chase Bank Card Services, XXXX. XXXX XXXX, XXXX, DE XXXX ; RE : Acct # ending in XXXX sent me a bill for XXXX XXXX {$99.00} ( which I had not ordered and an {$85.00} annual fee which I did not want and through a series of phonecalls on XX/XX/XXXX 2017 with Chase and XXXX we addressed. In XX/XX/XXXX2017 we spoke by phone and as a result you sent to me the fraud form which I completed and returned, on XX/XX/XXXX2017 and I include a copy attached. I assumed it had been resolved to everyones satisfaction. Specifically, XXXX waived the Chase fees at XXXX p.m. on X/XX/17 for the late fee and interest and at XXXX p.m. and on X/XX/17 for the annual card fee, while XXXX at XXXX conceded the {$99.00} fee was fraudulent at XXXX p.m. on the same date I thought it was resolved. A bill arrived in late XX/XX/XXXX so I mailed a letter to you on XX/XX/XXXX 2017 which you did not respond to yet you continue to bill me despite this being previously resolved in a series of phone calls on XX/XX/XXXX 2017 :

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: MI
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:
On XXXX XXXX, 2017 I personally found out that my identity may have been compromised. Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: Exeter Finance Corp.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Numerous telephone numbers and accounts that I have no knowledge they existed. Attempts to collect debt have been attempted on accounts that have been cleared or have previous judgment to be satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
trying contact to contact trans union about a report for a car dealer finance no succes

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 2022-06-17
Company: Nationwide Recovery Systems, Ltd
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: Was not notified of investigation status or results

Complaint:
This is a formal complaint that the company NATIONWIDE RECOVERY SYSTEMS and XXXX  are reporting misleading, fraudulent, and unverifiable information on my credit report. The account that is being reported is from XXXX XXXX XXXXXXXX XXXX XXXXXXXX with a balance of {$1400.00}. The account number is XXXX. First, I did not receive any documentation from any one of these companies to validate that I am responsible for this debt or that they intend on seeking collection. I just woke up one day and this account popped up on my credit. Secondly, I have disputed this debt in the past because the account is fraudulent. The result of me disputing this account in the past, was that the account was deleted because someone used my information in the emergency room. I am a victim of identity theft and I have made multiple police reports, FTC reports, and disputes. I have also locked my credit report with all three bureaus. I called the debt collection company about this debt to tell them that this account is fraudulent. The manager " XXXX '' was very rude to me and told me there was nothing he can do. Why is there an old account from XXXX  being rereported that was already removed due to fraud? I am requesting that all of the companies I am making my dispute against delete this account from my credit report, delete my information from there systems and do not sell my information to any other debt collector. By law they are required to show me proof with original documents with the agreement showing the amount that I owe and proof that I owe them. They continue to ignore me, and I feel I am being taken advantage of. This account is hurting my ability to obtain credit and is tremendously affecting my credit score. I have not saw any proof that this account belongs to me. If this account is not deleted, I do intend on taking legal action. This is causing my family serious financial stress. This is unfair. I am also requesting all the information these companies have regarding this account. I have attached a police report that I filed when I first became aware that my information was compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: PA
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 wife and I were affected by the Equifax hack and our information was stolen. The company provides credit monitoring, but it requires users to waive their rights to a lawsuit. Furthermore, it only offers the service for one year. In addition, they will not answer their phones, or emails, in order for me to obtain a contact, so I can sue them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # 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 a 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 non-monetary relief
Consumer complaint received 2022-06-17
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:
An 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 a 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 non-monetary relief
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: NM
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 Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX Bank Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX, has violated my rights. 

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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: Experian Information Solutions Inc.
State: IL
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:
My information was compromised because of an equifax security breach. I had previously contacted experian, as soon as I saw an unauthorized inquiry on my credit report to investigate this right away, most recently XX/XX/XXXX. I was told that a pull on my credit file is factual and true. On today, XX/XX/XXXXI was told the same thing from Experian, after XXXX confirmed that my  information was stolen. Someone has clearly been trying to use my information to open accounts. Experian is not being helpful at all with investigating the fraudulent information on my credit file. I do have rights as a consumer and Experian has violated the FCRA. I was transferred to a supervisor, she did nothing for me. She just repeated the same script about inquiries being factual. I know that my information has been affected by a breach now. I am certain these inquiries are fraudulent.

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 2022-06-17
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:
XXXX accordance with the Fair Credit Reporting act XXXX  Act XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: RNN Group, Inc
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
This is a business and someone named XXXX XXXX called to verify employment asking for personal information about our employee including his social security number and when we ask them who they are and what it is for they are evasive. They have called two days in a row after being told we would not provide the information they are requesting. I looked their number up online and there are multiple complaints that this company is called RNN Group and that they are shady. We want their number blocked from the ability to call and harass this business.

Company response to consumer: Closed with explanation