BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-29
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have tried to dispute my tax lien through the regular written letter credit bureau investigation process XXXX with no resolution or response. I included the document from the Georgia XXXX XXXX XXXX showing that it is satisfied and cancelled and the bureaus have n't properly investigated and deleted it from my reports. I have attached the letter again for you as well. They combined the accounts for XXXX and I and the receipts attached show they were paid. Please help. I look forward to quick resolution because these are impeding my ability to move forward financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: WELLS FARGO & COMPANY
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I purchased two XXXX  Gift cards, one in the amount of {$300.00} and the other for {$150.00}. I did not use cards immediately. When I tried to use the cards I was told there was no value in the balance. I went to Wells Fargo in XX/XX/XXXX and asked them why the confiscated my cards. They made a call to XXXX who stated they had " Unloaded Value to Customer Service Application '' what ever that is. On the first card # XXXX XXXX XXXX XXXX they claimed they had mailed a check. I told them I received no check, to which they stated I cashed it. I requested proof but XXXX declined. On the second card, # XXXX XXXX XXXX XXXX, they said they would mail a check, however again I received no check. XXXX  confiscated and stole this money from me because I did not use them. However the expiration date on card # XXXX XXXX XXXX XXXX XXXX is XX/XX/XXXX and the expiration date on card # XXXX XXXX XXXX XXXX is 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 2020-01-11
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I would like to bring your attention to a serious issue I have with Coinbase wires that first took place on the XX/XX/2019. 
I have been victimized by a multilayered scam operation orchestrated by XXXX - The funds were transferred utilizing Coinbase 's services in the total amount of XXXX EUR! 
I would also like to point out that on XX/XX/2019 - I filed a dispute with Coinbase. 
The SCAM Broker Story : I was scammed through the company XXXX through a person who calls herself XXXX XXXX. I was promised that they were very credible and professional trading company that would turn my investment into high returns. 
In a few days time, I started investing with them as per their directions. 
My Account Manager from XXXX suggested me to open an account in Coinbase, as money transfer was easier through it and will also cost less. I started transferring my funds from my bank account to Coinbase. 
My Account manager very politely convinced me to share my screen with her to transfer money from Coinbase to their XXXX. As I did not understand all these sophisticated technologies, I did as she said. 
In a few months time, I started demanding profits and was shocked to see their attitude. she completely vanished from all modes of contact. At the same time, I learned this Company is FRAUDULENT from reviews of the same victims like me and I immediately contacted Coinbase and explained my situation. 
Despite all my requests since a month there has been no genuine responsibility shown on their part ( see attached as well ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: Jon Barry and Associates, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have repeatedly tried to dispute an item on my credit report that is being reported by a collection agency by the name of Paragon Revenue Group..this debt does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-19
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XXXX XXXX XXXX x2, XXXX XXXX c/o XXXX x1,  XXXX XXXX XXXX x2 are reporting different amounts for the same creditors they keep increasing the past due amount and these accounts were all closed back in XXXX to XXXX now XXXX has put an additional GE capital retail bank with an amount of {$1600.00} plus the orginal collection of {$410.00} which I have disputed these accounts and requested documentation showing that I opened these accounts which I did n't they have yet to furnish the requested documentation and I get the run around when I try and contact them. They are reporting differently between XXXX and XXXX when I question them about this they said they will send a letter which I have never gotten.There are several agencys reporting on my credit report they are listed below. 1. XXXX XXXX XXXX {$2700.00} for XXXX XXXX opened on XX/XX/XXXX 2. XXXX XXXX XXXX {$480.00} for XXXX opened XX/XX/XXXX 3. XXXX XXXX c/o XXXX {$1000.00} for XXXX opened XX/XX/XXXX 4. XXXX XXXX XXXX {$410.00} for XXXX XXXX XXXX XXXX opened XX/XX/XXXX 5. XXXX XXXX XXXX {$1600.00} for XXXX XXXX XXXX XXXX These were all disputed removed and are now being put back on with different amounts and I still havent recieved any proof that I opened these accounts. When I call the original company the company has no record of me in their system.

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 2020-01-11
Company: SLM CORPORATION
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: Account information incorrect

Complaint:
I AM DISPUTING THE ACCOUNT FOR THE INACCURATE LATE PAYMENT, THE LATE PAYMENT IS INACCURATE BECAUSE THE ACCOUNT IS PAID FOR. PLEASE CORRECT THE ACCOUNT WITH THE CORRECT INFORMATION.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: BMW Financial Services NA, LLC
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:
I DISCOVERED THAT THER IS BMW FINANCIAL SERVICES/CREDIT ACCOUNT ( ACC NO : XXXX ) IS REPORTING IN MY CREDIT REPORT. I'VE NEVER HAD BMW ACCOUNT. THAT IS WHY I FILED FTC IDENTITY THEFT REPORT AND SUBMITTED THAT DOCUMENT TO THE CREDIT REPORTING AGENCIES. ALL THREE REPORTING AGENCIES, XXXX, XXXX, AND XXXX  DELETED THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT, BUT RECENTLY XXXX  REINSERTED A FRAUDULENT ACCOUNT BACK TO MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 was recently looking at my credit report and I noticed a number of accounts I did not create or authorize. I also noticed a number of accounts with false late payments and derogatory remarks. All of which need to be removed from credit report. I am writing this due to non-compliance with ( XXXX, XXXX, Transunion ). They have failed to remove information that was satisfied with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-11
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:
I DISCOVERED THAT THER IS XXXX XXXX XXXX ACCOUNT ( XXXX NO : XXXX ) IS REPORTING IN MY CREDIT REPORT. I'VE NEVER HAD XXXX ACCOUNT. THAT IS WHY I FILED FTC IDENTITY THEFT REPORT AND SUBMITTED THAT DOCUMENT TO THE CREDIT REPORTING AGENCIES. ALL THREE REPORTING AGENCIES, EXPERIAN, XXXX, AND XXXX DELETED THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT, BUT RECENTLY EXPERIAN REINSERTED A FRAUDULENT ACCOUNT BACK TO MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT.

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 2022-06-16
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
My mom was forced to flee XXXX on XX/XX/XXXX due to the war. She was able to get to XXXX where my sister came to help her to find a permeant place to stay. I needed to help financially so I asked my sister to help mom to open a bank account so I can easily transfer money. That's what she did. On XX/XX/XXXX I used MoneyGram to transfer money ( {$1000.00} ) from my debit card ( American bank account ) to the bank account of my mom in XXXX. On XX/XX/XXXX the MoneyGram app showed that completion date is XX/XX/XXXX, which is backdate. I have a screenshot of that information. Which my mom went to the bank Few times to the bank the first week of XXXX and they told her there is no money. Furthermore, they said that they are not working with MoneyGram system, so it is impossible for them to receive the money directly to their bank. I opened a case with MoneyGram on XX/XX/XXXX, which at that point the MoneyGram receipt has changed the completion date to XX/XX/XXXX. Yesterday, XX/XX/XXXX I received the email saying that transaction was completed, and money were sent. All these months I was constantly calling them, and live chatting and the representatives promised the company would contact the bank and issue would be resolved. The bank wasn't contacted by MoneyGram. My mom closed that bank account XX/XX/XXXX due to coming to stay permanently with me in the United States. 
We have a bank statement with all transactions made from the date account was opened to the date account was closed. MoneyGram would not accept any evidence and would not refund money. I am attaching the MoneyGram receipt of the transaction, my mother 's XXXX  bank statement, the document about the closure of the account, the resolution email from MoneyGram.

I am very disappointed by MoneyGram. I understand that the system mistake might occur if they failed to deliver money to someone's bank account, they must issue a full refund to a sender. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There are currently three items on my credit report that are being reported by a collection agency by the name of common wealth fin in the amounts of {$870.00}, {$590.00}, and {$65.00}. I have repeatedly tried to dispute these three items due to them not being my debt to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2020-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2017-07-19
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I submitted a fraud claim in XX/XX/XXXX with chase bank they gave me my temp credit, then reversed it!!!! overdrawn XXXX. I 've had the account since XX/XX/XXXX, in that time I was overcharged XXXX I PERSONALLY RECOVERED XXXX this leaving the difference of XXXX plus the charges in XX/XX/XXXX of XXXX. I have provided police reports and defendants that have been convicted of criminal trespass and several other felonies. THESE INDIVIDUALS STOLE MY PHONE, MY DEBIT CARDS, SEVERAL OTHERS IMPORTANT ITEMS!!! in the meantime the State of Colorado IN ERROR sent my minor daughters child support payments to this account and Chase Bank is refusing to return them!!! On XX/XX/XXXX I received a request for the police reports which I provided!!!!! Then on XX/XX/XXXX I contacted Chase Bank and they have refused to put in writing the reason or reasons they wont release the child support payments nor will they answer my questions as to why after I provided the police reports they still say IM A LIAR!!!!! This is absolutely ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I tried to fix this with the company on several occasions. They charged late fees when bills were not sent to the correct address and they were not received which is a violation of my rights as a debtor. Also, they reduced my credit limit in retaliation to my complaint. If this is not resolved I will file a summons and complaint in Connecticut, to recoup illegal fees charged when statements were not sent to the correct address after updating it with the company. Please send legal department 's contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act the following XXXX  Accounts has violated my rights : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$250.00} ) XXXX XXXX ( Opened XX/XX/XXXX. {$500.00} ) XXXX XXXX XXXX ( Opened XX/XX/XXXX. {$790.00} ) XXXX XXXX XXXX ( Opened XX/XX/XXXX. {$890.00} ) 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 States a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act the following XXXX  Accounts has violated my rights : XXXX XXXX XXXX ( Opened XX/XX/XXXX {$250.00} ) XXXX XXXX  ( Opened XX/XX/XXXX. {$500.00} ) XXXX XXXX XXXX ( Opened XX/XX/XXXX. {$790.00} ) XXXX XXXX XXXX ( Opened XX/XX/XXXX. {$890.00} ) 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 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 non-monetary relief
Consumer complaint received 2015-10-22
Company: Helm Associates
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
on XXXX/XXXX/2015, I filed an dispute with Helm Associates. I advised them that I am not refusing to pay the alleged debt, but their claim is disputed. I advised Helm Associates to send me copy of contract with my authentic signature that begun this alleged debt and should the contract not be available with my authentic signature to delete the trade line off the CRA. More importantly, I advised Helm Associates that not complying wit the FDCPA will put their company in a bad position with the CFPB. Helm Associates never sent me a contract with my authentic signature that begun this alleged debt and is still reporting the account to the CRA .Helm Associates sent me correspondence dated XX/XX/2015, and it stated that they have responded to my previous disputes and there is not any new facts to form a new investigation pursuant to the fair credit reporting act U.S.C. section 1681s-2 ( a ) ( 8 ) ( F ) ( i ) ( 11 ) and no further replies will be forthcoming.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX  and Portfolio credit agencies are collecting credit card debt for the same consumers. This debt collector represents an inactive debt and is duplicate reporting. Also, I have not received notice of debt ither.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: SC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Unfortunately I do not have a scanner to send a copy of my existing paperwork, but I will try to describe my paperwork the best that I can. 
On XXXX XXXX, XXXX, I received a letter from XXXX Harris Bank ( XXXX XXXX XXXX XXXX, XXXX, IL XXXX ) with the following information : " As you know, M & I and Harris joined to create BMO Harris Bank N.A . last year, but have operated on separate networks and systems as we work to complete the integration. At the close of of business on Friday, XXXX XXXX, XXXX, that process will culminate in the transition of your deposit account ( s ) and services to the shared BMO Harris system. '' On the back of this paperwork there is listed a BMO Harris Account Summary : IRA Growth Money Market ; ( last XXXX digits of account no. ) XXXX ; ( new name of account ) IRA Premium Savers. 
On XXXX XXXX, XXXX, I called BMO Harris Bank ( at telephone niumber XXXX ) to inquire about the account and was informed by XXXX ( customer service ) that the account has been closed. I asked, " When was it closed and who closed it. '' She said it was closed in XXXX and she was not sure who closed it. She put me on hold to find out more information for me. She came back to the phone and said that someone was researching it and she would call me back with an answer, probably before closing that day. 
XXXX called me back the next day, XXXX XXXX, XXXX, and left a voicemail that she was typing the information into my records on their computer and I could call back and speak with anyone who can pull up the information. I called back and talked with a lady who said that my account was closed before the M & I and Harris merger, and transferred to XXXX and that is all she knew. I asked, " what is XXXX? '' She said she did not know. I asked to speak with a manager, and she said they would tell me the same thing. I asked, again to speak with a manager and she put me on hold. I held for 20 minutes and hung up and called customer service again. I was told by another lady that the account was transferred to XXXX. I asked what is XXXX. At first she said that she did not know, then she put me on hold and came back and said that it was a bank.. I asked if they had a telephone number and address, and she said she did not know it. She said that I could look it up on the computer and that was all she knew.

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 2020-01-11
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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B 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