BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have reported this account many times to Equifax over the past year, showing Equifax there is no creditor name or company reported at all. Equifax continues to state the account has been " verified as accurate ''. How can this account be " verified as accurate '' when there in no creditor even reporting? Also, this account is reporting it was opened in XXXX XXXX  when the account is supposedly FIVE YEARS OLD. Isn't that re-aging the account to make it appear newer? And isn't that considered a violation? 
How is this account considered accurate when the information reporting on my credit report is blatantly incorrect? Equifax 's incorrect reporting and failing to respond to my requests is affecting my credit score and preventing me from obtaining credit opportunities. Does an actual person work there or is everything automated? Additionally, could you please provide me information on steps to taking legal action for Eqiufax 's continued negligence in the reporting of incorrect information. It makes me wonder how many other people are being affected by Equifax 's negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: Experian Information Solutions Inc.
State: MI
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 attempted numerous times, more than three, to get the incorrect items deleted from my report by contacting the credit reporting agency and informing them that the information that they are furnishing is inaccurate and incorrect. My most recent attempt was done on XX/XX/2021 when I sent written communication along with a response letter from the U.S.D.C. Clerk, via CERTIFIED MAIL with RETURN RECEIPT, to the credit reporting agency informing them, with attached proof, that they were furnishing inaccurate information to my report. This is my final attempt at resolving this matter with the credit reporting agencies. If the items that I have disputed with them are not deleted from my report within THREE ( 3 ) days after receipt of this notice I shall file a Complaint with the United States District Court and a Complaint with the Federal Trade Commission against the credit reporting agencies, because I have been forced to, due to the credit reporting agencies failure to provide me with a remedy. I am serving notice to the credit reporting agencies that you are in violation of 15 U.S.C. 1681 ( a ) ( 4 ) and 15 U.S.C. 1681a ( b ) ( 2 ).

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 2021-10-02
Company: GOLDMAN SACHS BANK USA
State: CA
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:
Hi Sir, I have made a transaction on XXXX website for a pair of shoes on XX/XX/21 worth {$50.00}. 
Later on I found out that there two transactions were posted to my account. Here I disputed one of the transaction with my bank, and got the credit. 

On investing further I realized that XXXX has created two orders of the same shoes with order Id XXXX and XXXX. 
So I decided to return one pair. 

On XX/XX/21 the dispute went against me by the bank and bank charged me again {$50.00}. 
On contacting XXXX I learned that they had posted my refund but it was rejected my the bank. I again contacted the bank and their representative suggested me to request XXXX to post the refund again. In a live session XXXX posted and shared proof that bank is rejecting refund. 
I shared same with my bank. They raised a new dispute since there was problem at bank side and gave me the credit again. 

Now yesterday XX/XX/21 I again saw similar charges back on my card. I am attaching the proof I have and few conversations with the bank,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: WELLS FARGO & COMPANY
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I am the cosigner on a Wells Fargo student loan that was taken out by my niece to finance her XXXX degree. At the time of the application, I wanted to be sure I was n't signing up for a long term commitment. I was told before any documents were signed that after two years, I could apply to have my name taken off the loan, so long as there was a history of on-time payments. I felt that was a bit excessive, since in most cases a cosigner can be removed after one year, but I wanted to get the loans consolidated with a lower interest rate. Silly me. 
At this time, it has been over four years and I am still being held hostage as a cosigner, even though the payment requirement has been fulfilled for longer than required. Additionally, although I am held responsible for the loan, Wells Fargo will not provide me with any information regarding disposition of the loan, everything must be channelled through my niece. She is also the one who must apply to have my name taken off the loan, which is not the way it was presented to me. It apppears Wells Fargo has stacked the deck so that I will never be removed as a cosigner, though that is n't the way it was presented in the beginning. 
The loan is serviced through payroll deductions, so it 's not as though a payment will be forgotten or missed. If a borrower has a record of repayment this long, I would say it 's a pretty safe bet that the necessity of having a cosigner is a moot point, and Wells Fargo should honor their promise to remove my name from the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-25
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage specialist will not return my calls from wells Fargo.They seem intent to continue to foreclose without answering to my concerns .Borrowers with less of a circumstance have modified I am deserving of responses to my left messages

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: AmeriCollect
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
As a ( natural person ) federally protected consumer, I XXXX XXXX never enter any consumer credit transaction with AMERICOLLECT INC for them to have my personal information or medical records. In fact AMERICOLLECT INC is violation of 15 usc 1692 for infringement upon my consumer 's right to privacy. While also in fact in violation of 42 usc 1320d-9 ( b ) ( 3 ) HIPAA Privacy. By AMERICOLLECT INC obtaining my personal information and medical records with out my consent AMERICOLLECT INC have committed fraud and identity thief. Now I can't do business with anybody else due to this allege debt AMERICOLLECT INC has furnished to my consumer 's reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: CITIBANK, N.A.
State: MI
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:
Subject : Disputed Fraudulent Transactions- Citicards : XXXX {$89.00} and XXXX {$88.00} XXXX  Citicards very difficult to deal with - I purchased 2 products on XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX PA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX These were samples with no disclosure of any on-going orders or commitments. 

I then noticed that I was charged for two new / different products on XX/XX/XXXX ( XXXX XXXX XXXX {$88.00} ) and XX/XX/XXXX for ( XXXX XXXX   XXXX  {$89.00} ). 
Ive been a cardholder with Citicards since XXXX. I contacted Citicards online site to dispute these charges on XX/XX/XXXX since I did not order them, never received these products and did not commit to any obligation to an auto ship program. 

I believe these were fraudulent charges against my credit card likely from the same vendor. However, the Citicards online site to dispute these charges did not allow me to properly describe my complaint as a fraudulent charge for products never received. I did not believe I should be responsible for canceling an order I never placed and never received. 

Since I never ordered these or ever received these they can not provide any proof of delivery or a signature for the order or receipt. They just use the same card information that I provided to the original vendor / order. 
Im very frustrated that companies can use someones credit cards information and fraudulently bill people for additional products never ordered or ever shipped and CitiCards lets them get away with it.

Citicards is declining my dispute claiming I didnt cancel the order before the vendors auto ship deadline. I now have {$170.00} on my credit card and have spent significant time and effort trying to resolve this. 
Therefore, I need to raise this to someone who can thoroughly investigate and resolve this matter with Citicards. 

Vendor making fraudulent charges : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca

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 2020-04-08
Company: Experian Information Solutions 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:
This is crazy on what I'm dealing, with me being a victim of Identity theft. I'm so upset that I have to go through this I work very hard, and this is not right. I did not give anyone consent to open any of these accounts .these Account are fraud please remove them from my credit file thank you.

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 2016-03-26
Company: CITIBANK, N.A.
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I lost my job about two months ago and my Macy 's bill was due XXXX/XXXX/16. Today is XXXX/XXXX/16 and a bill collecting agency called me twice today. Once at XXXX XXXX and the other at XXXX XXXX, both times I was at my current place of employment. I have NEVER been late on any of my payments. I did have XXXX slip up on my first payment where me being a teenager I sent them my debit card number instead of my routing number and they returned my payment. After that I personally drive about XXXX-XXXX miles to go pay my Macy 's bill and this is how I get treated after not even a week of being late. FOOLISHNESS! I 've worked 3 weeks in the hole at my new job and my check has n't come in the mail. I ca n't give them money I do not have!!!

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 2021-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 attempted numerous times, more than three, to get the incorrect items deleted from my report by contacting the credit reporting agency and informing them that the information that they are furnishing is inaccurate and incorrect. My most recent attempt was done on XX/XX/2021 when I sent written communication along with a response letter from the U.S.D.C. Clerk, via CERTIFIED MAIL with RETURN RECEIPT, to the credit reporting agency informing them, with attached proof, that they were furnishing inaccurate information to my report. This is my final attempt at resolving this matter with the credit reporting agencies. If the items that I have disputed with them are not deleted from my report within THREE ( 3 ) days after receipt of this notice I shall file a Complaint with the United States District Court and a Complaint with the Federal Trade Commission against the credit reporting agencies, because I have been forced to, due to the credit reporting agencies failure to provide me with a remedy. I am serving notice to the credit reporting agencies that you are in violation of 15 U.S.C. 1681 ( a ) ( 4 ) and 15 U.S.C. 1681a ( b ) ( 2 ).

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 2015-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Someone stole my identity and use my name for a credit card and its showing on credit report and bringing my score down and i m getting harrassed by these company.I would like to get it remove off.account # XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: Experian Information Solutions Inc.
State: CA
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:
To be foward to Experian : This is reporting negatively on my account and needs to be addressed ASAP as these are not my account nor am I liable. I have a police report I have attached for proof. The following should be removed/ deleted from my credit file. 

( 1 ) XXXX XXXX / XXXX ( Date opened : XX/XX/XXXX ) Balance : ( Closed - {$1700.00} Written Off ( USD ) ( 2 ) XXXX XXXX ( Date Opened : XX/XX/XXXX ) Balance : {$0.00} ( USD ) ( 3 ) XXXX XXXX XXXX / XXXX XXXX  ( Date opened : XX/XX/XXXX ) Balance : {$0.00} ( USD ) ( 4 ) XXXX XXXX ( Date opened : XX/XX/XXXX ) Balance : {$1900.00} ( USD )

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 2021-10-02
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Roughly one month ago, my account on Coinbase that I have been using for several years at this point was suddenly flagged for review without any reason or explanation. I have had almost no activity on the account since XXXX where I moved some funds around ( and had even more trouble with them that I went through CFPB to handle that time as well ) so I don't understand at all why they would suddenly flag my account. 

Since being flagged for review, absolutely nothing has happened for an entire month but my remaining funds of XXXX have effectively been locked for the entire period ( and also devalued by 20 % ) and continuing, support does nothing and gives no valid response, and repeated attempts at validating the account ( that has passed maximum tier XXXX procedures YEARS ago ) have been met with silence and ignorance. 

Attached copy-paste support response whose links I've all followed and revalidated DESPITE ALREADY BEING A FULLY VERIFIED CUSTOMER FOR YEARS. Nothing has happened since. 

I am unable to interact with any of my money on the platform and nothing is being done. Their support service is basically non-existent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-02
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To be foward to XXXX : This is reporting negatively on my account and needs to be addressed ASAP as these are not my account nor am I liable. I have a police report I have attached for proof. The following should be removed/ deleted from my credit file. 

( 1 ) Comenity Bank XXXX XXXX ( Date opened : XX/XX/XXXX ) Balance : ( Closed - {$1700.00} Written Off ( USD ) ( 2 ) XXXX XXXX ( Date Opened : XX/XX/XXXX ) Balance : {$0.00} ( USD ) ( XXXX ) XXXX XXXX XXXX / XXXX XXXX ( Date opened : XX/XX/XXXX ) Balance : {$0.00} ( USD ) ( 4 ) XXXX XXXX ( Date opened : XX/XX/XXXX ) Balance : {$1900.00} ( USD )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
Dear XXXX XXXX I appreciate the letter Dated XXXX XXXX, XXXX As we have been working on lien release for almost two years Wells fargo has reconvened liens for another property not related The judgement listed in the attached title report is unrelated to mortgage listed in Wells Fargo letter received - related to another mortgage. 
The money judgement is not related to XXXX XXXX XXXX - see title report For the record - XXXX XXXX XXXX in fact did receive a check from Wells Fargo - see entire account history XX/XX/XXXX-XX/XX/XXXX, however I agree should not have. 
XXXX XXXX XXXX request for funds are not related or connected to this matter. 
Recording XXXX in Wells Fargo letter XXXX XXXX, XXXX. 

I located the court record and provided to Wells Fargo in XXXX to confirm entirety it is a Wells Fargo judgement. 

With your assistance I would like to avoid reopening bankruptcy to request to avoid lien - I have receive all other liens from listed creditors except Wells fargo. 
Wells Fargo can go to court website and review case summary - XXXX XXXX XXXX is not associated with this lawsuit. 

XXXX XXXX has Wells fargo listed as below A certified copy of a judgment or an abstract thereof, recorded XXXX XXXX, XXXX as Instrument No. XXXX of Official Records. 
Court : Case No. : Debtor : Creditor : Amount : Superior Court of California , County of XXXX XXXX XXXX XXXX XXXX Wells Fargo Bank, N.A., a National banking association, c/o XXXX XXXX XXXX, XXXX {$7500.00}, and any other amounts due thereunder

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 2021-10-02
Company: EQUIFAX, INC.
State: CA
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 is negative information reporting on my credit file that I am demanding get deleted and updated. The following companies have reported an inquiry ( Hard ) that was never authorized by me ( Fraud ). 

( 1 ) XXXX XXXX XXXX XXXX ( Inquiry XXXX XXXX ) ( 2 ) XXXX ( Inquiry XXXX XXXX ) ( 3 ) XXXX XXXX XXXX ( Inquiry XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Non-Compliance with borrower 's notices. Wells Fargo and it 's Legal counsel has opted not to respond with an " acknowledgement '' of HAMP request made on XX/XX/2016. As per the HAMP Rules 3.4.2- Servicer 's must develop and implement written polices and procedures to provide notification to their foreclosure attorney/Trustee regarding a borrower HAMP status, including whether the borrower is potentially eligible for HAMP. 
HAMP Rules 4.5- Within 5 business days following receipt of any component of Loss Mitigation Application, the servicer must " acknowledged '' in writing the borrower 's request for HAMP participation by sending the borrower conformation that the Loss Mitigation Application has been received and inform the borrower whether their application is complete or incomplete ( acknowledgement ). 

As of XX/XX/2016, Wells Fargo or their Legal team XXXX, XXXX XXXX XXXX, have failed to provide me with any notices regarding our HAMP request. Be advise that their legal team have engage in other criminal matters pertaining to the XXXX Judicial Circuit in connection with the foreclosure action that will only be shared with the Office Of The Internal General. We ask that you sanction Wells Fargo for failure to provide me with notices regarding the HAMP 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 explanation
Consumer complaint received 2021-10-02
Company: Asset Management Outsourcing, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Nationwide Recovery is changing me for an account that does not belong to me. I have asked them several times for proof that the account belongs to me and they have yet to provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: Experian Information Solutions Inc.
State: CA
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:
These are appearing on my credit file ( Hard inquiries ) they are fraudulent and were not authorized by me. 

( 1 ) XXXX ( Inquiry XX/XX/XXXX ) ( 2 ) XXXX XXXX XXXX ( Inquiry XX/XX/XXXX ) ( 3 ) XXXX XXXX XXXX XXXX ( Inquiry XX/XX/XXXX ) ( 4 ) XXXX ( Inquiry XX/XX/XXXX ) ( 5 ) XXXX XXXX ( Inquiry XX/XX/XXXX ) ( 6 ) XXXX XXXX ( Inquiry XX/XX/XXXX ) ( 7 ) XXXX XXXX XXXX ( Inquiry XX/XX/XXXX ) ( 8 ) XXXX XXXX ( Inquiry XX/XX/XXXX ) ( 9 ) XXXX XXXX ( Inquiry XX/XX/XXXX ) ( 10 ) XXXX / XXXX XXXX ( Inquiry XX/XX/XXXX ) ( 11 ) XXXX XXXX XXXX ( Inquiry XX/XX/XXXX ) ( 12 ) XXXX XXXX ( Inquiry XX/XX/XXXX ) ( 13 ) XXXX XXXX ( Inquiry XX/XX/XXXX ) ( 14 ) XXXX / XXXX XXXX ( Inquiry XX/XX/XXXX ) ( 15 ) XXXX OF XXXX ( Inquiry XX/XX/XXXX ) ( 16 ) XXXX XXXX XXXX ( Inquiry XX/XX/XXXX ) ( 17 ) XXXX/XXXX/XXXX ( inquiry XX/XX/XXXX ) ( 18 ) XXXX XXXX ( Inquiry XX/XX/XXXX ) ( 19 ) XXXX XXXX XXXX ( Inquiry XX/XX/XXXX ) ( 20 ) US SM BUS ADMIN ODA ( Inquiry XX/XX/XXXX ) ( 21 ) XXXX XXXX ( Inquiry 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