BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-15
Company: Millco Management
State: NJ
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 just received an email from my bank today and it says that it looks like your account with AMERIFINANCIAL SOLUTIO received a major derogatory status. This usually means that no payments have been made to a past-due account for 120 days or longer. I don't know subject company, neither a balance I need to pay.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
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:
I opened a savings account with this company that said they will then loan me funds from this account BEFORE I fund it. They would report the account as a loan but they did not disperse any funds to me or to any account in my name. I did not receive any monies from them nor did i have control over any account that had monies in it. I would pay a monthly amount and the monthly amount would be reported to the credit agencies as a " payment ''. That " payment '' would then go into my savings account and would be untouchable by me. After awhile I realized that this is borderline illegal if not openly illegal. There was never a loan and there were never any real payments on a loan. After i requested to close the account, I was given a 30 day late for 'missing a payment '.

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 2017-09-07
Company: EQUIFAX, INC.
State: TX
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: Personal information incorrect

Complaint:
XXXX, XXXX did an account review on XX/XX/XXXX. Not sure why, I have not applied for any credit cards, loans or anything else during the last year. 



XXXX XXXX XXXX XXXX did a credit report on XX/XX/XXXX. Not sure why, I have not had a car accident, requested any information from them, not have I tried to open an account with them. 

All the address that are listed where I lived are seriously incorrect : XXXX XXXX XXXX-sold house in XXXX XXXX The house on XXXX XXXX in XXXX, TX-sold house back in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX-have not lived there since XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX  XXXX listed twice with two different dates-both are incorrect. Have not live there since XXXX XXXX Not sure of the address it was XXXX XXXX, TX XXXX have never lived in this zip code XXXX XXXX XXXX  XXXX XXXX, TX-I have never lived at this address. This address belongs to my ex sister n law-who has a son who has been known to steal things from family members.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-07
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
To Whom it may concern : My first complaint was filed on XX/XX/XXXX. 

This is my second complaint ; about Iberiabank, in XXXX XXXX, Arkansas .Branch Manager : XXXX XXXX I fully cooperated with all the banks requests and conditions to receive the rest of my flood insurance money. On XX/XX/XXXX, my wife and I went to Iberiabank in XXXX XXXX. We gave XXXX XXXX alittle over {$12000.00} in receipts to XXXX XXXX. She then made copies of them and the proceeded to tell us that we should hear something within 24 to 48 hrs. It is now Wednesday XX/XX/XXXX. and I still have n't heard anything. On XX/XX/XXXX I Spoke with XXXX XXXX and she told me that she was waiting for her Inspector to come out and look at the house, and he would n't be able to make it for another week. Which has already caused a two week delay. And still have no word yet.

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 2017-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a Bank of America BUSINESS checking account ( XXXX XXXX XXXX ) for the express purpose to deposit my rental income checks from XXXX XXXX XXXX XXXX XXXX XXXX ( which is the property management company that manages my rental properties. ) I was told by the Bank Manager that I would have access to those funds the same day, that I deposited my check. Today, I could not use my debit card. I checked online to discover I did not have a penny of those funds available to me. Bank Mgr tells me a HOLD was placed on this check until XX/XX/XXXX! He said any checks written will BOUNCE!!! WHO incurs all the NSF & Bounced Check Fees?

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 2017-09-07
Company: Coinbase, Inc.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Hello, The bitcoin wallet site coinbase.com just locked my account on XX/XX/XXXX without any reason and seized my funds, now I can not access to my account nor to my funds. They locked my account without any reason. Please help me get my funds back. A lot of people are complaining about coinbase fraud and I 'm one of those victims, I sent various emails to coinbase support but they do not respond at all. They 're making people fool and locking their accounts. I have almost {$1000.00} USD locked in my account, Please help me get my funds back. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
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: Account status incorrect

Complaint:
I tried fixing this problem with the company, and the sent me the paperwork to see what this was all about. It is for a bad check in California, which has a statue of limitation of 2 year it 's almost 4 years old. XXXX and XXXX have the account still open. On the invoice it has the check bad in XX/XX/XXXX and it 's been reaged to XX/XX/XXXX. Experian, XXXX, and XXXX have it reaged.

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 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 reply for credit repair company to help me fix my credit and since then it seems to be misused or misrepresented.

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 2022-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
I contacted the debt collector that was servicing the acts, I even had to pay even though I had explain my situation about a family member using my personal information. After going back and forth they made settle the account I was told they will remove it from my cred and they still affecting me although it shows the acct is clorases but keeps showing late

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: Experian Information Solutions Inc.
State: TN
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 called Experian to request proof of investigation results for XXXX XXXX,2017 credit report. I talk to XXXX in the dispute department. She advise me that Experian is not able to provide proof because the company do n't have it. So, I told her that they are in violation of Section 609 of FCRA, for reporting accounts as verified when they never verified any accounts with actual physical contract. XXXX, was like ok file a complaint cause we will not remove the negative accounts. Even when we ca n't verify that the account are 100 % accurate. I asked her again to see if she understand the statement she made. XXXX, was saying that Experian is knowly violating my rights under FCRA.

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 2022-07-14
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX This is a number posing as Wells Fargo. This number said I had an account with them and I dont and never have. I called Wells Fargo and the representative said they have no record of an account being opened under my name/ Soc./ phone #. 
There was a link to a fake Wells Fargo sign in page. 
https : //bit.do/WellsAccess Be aware!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
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: Information belongs to someone else

Complaint:
I reached out to you all in XX/XX/2018 regarding some items on my credit that are not mine. I'm trying to purchase a home and there are still items on my credit that are not mine. I dont really know where they left off with this last year but I do know that the items are still on my credit report. Please remove these items XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX 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 2022-07-14
Company: Richland Bureau of Credits Medical Service Bureau Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018 RBC Inc. put a negative mark on my credit report account. This was a medical bill that was not presented to me in any form of communication formatting. I found out thru pulling my credit report that there was a negative remark by the name of RBC Inc . I tried calling the company but could not find any contact information on the company. This negative mark affected all 3 of the bureaus and has greatly lowered my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TILA rescission has occurred on XX/XX/2017 and the encumbrance was eliminated and the debt was converted from one arising from a promissory note to one arising from a statute 15 use 1635. The debt then became subject to the statute of limitations for claims under TILA because the debt now arises under TILA. 
Since XXXX has acknowledged in court and acquiesced to the TILA Rescission and the statute has run the debt is barred. Ignoring the TILA Rescission is warping the value of the bankruptcy estate as well as allowing secured status to unsecured creditors.

The effect on the XXXX  estate by virtue of 15 USC 1635 is that the original loan contract has been replaced by operation of law with a statutorily imposed new agreement, the terms of which are spelled out in the statute.

This means that per the statute and REG Z, which must be read along with the statute, the note has been replaced by a new obligation and the mortgage has been eliminated by the express wording o f the statute " by operation o f law. '' The obligation to repay continues as an enforceable liability provided that the claimant satisfies the conditions precedent set forth in the statute, but that obligation is no longer secured for the express purposes o f allowing the borrower to seek new financing from which the obligation could be repaid. 

The parties claiming to be owners of the debt or claiming to be representatives o f the owner o f the debt failed to comply with their obligations under the new agreement. Hence any right to enforce the obligation became inchoate. That failure by the claimant was not in any way caused by the borrower. 
The obligation arises not from the original loan agreement anymore but from the statutorily imposed obligation that replaced the original loan agreement. The statute is part of the Federal Truth in Lending Act ( TILA ). Claims under TILA are barred by the statute of limitations contained within that act. 
Hence the obligation is wrongfully treated as secured when it had been converted to unsecured obligation by the statute, and the obligation itself is now barred by the statute of limitations. 
The effect on the bankruptcy estate is obvious any claimants under the original loan agreement are moved from secured to unsecured and, since they no longer have the benefit o f the written instruments ( the void note and mortgage ) they must establish their claim by filing a proof of claim in which they establish ownership of the obligation and thereby establish that the they hold the risk of pecuniary loss, without whic

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 2022-07-14
Company: CITIBANK, N.A.
State: PA
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:
On XX/XX/XXXX, I used my Citi XXXX to pay {$160.00} to XXXX for an art print. I received the print, but on XX/XX/XXXX, after listing it for resale online, I found out it was in violation of the copyright of XXXX, XXXX. I contacted XXXX who refused to accept a return and/or issue a refund. On XX/XX/XXXX, I called Citi to dispute the charge. The operator said that I would receive a condition credit within 2 to 3 business days. I called back on XX/XX/XXXX to inform Citi that 3 business days had passed, but I did not have the credit. They said it would be an additional 2 to 3 business days, but could not tell me why it was extended when I asked. On the morning of XX/XX/XXXX, I received an e-mail from Citi saying that there was a document online for me to review. The document was dated XX/XX/XXXX, and said ( in part ), " During our investigation of your inquiry, the amount in question was temporarily suspended from the amount you owe. '' However, the credit still didn't show on my account. My statement was released today XX/XX/XXXX, and was dated XX/XX/XXXX ( after the date on the letter ). The statement listed the {$160.00} dispute, but did not provide any temporary credit. I called Citi to ask why, and the representative said it was because the charge was so long ago. I told her that I was told I would receive a temporary credit by 3 different representatives, all of whom knew the date of the purchase. She said the credit " will be '' issued, but when I asked her to address the letter that said it " was '' ( past tense ) already issued, she completely went silent and refused to speak to me.

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 2022-02-15
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX XXXXaughter PLEASE HELP ME PLEASE

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 2017-09-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
We were to receive a wire for the purchase of products from us for the amount of {$60000.00}, on or around XX/XX/2014. The bank checking account through Wells Fargo was XXXX, under the name XXXX XXXX XXXX XXXX. We checked with the bank the day before the wire was to be received to make sure we had the correct information and that the account was in good status to receive. The follow day the wire was sent, but Wells Fargo then closed the account, with no reason. The account had been open for several years before hand, had no reason for closing and we do not see any reason for the account closing. Also the following day after the money was sent the bank could not give us a reason why it was closed. We received conformation from the sender XXXX XXXX that it was sent, and confirmed from his bank. It took several days for the bank to refund the money to the sender but would not let us received the funds, or reopen that account. We were told we had to open up new accounts and have them resend the funds. At this point the sender was not interested in resend and we lost our on the {$60000.00} sale with no explanation on how or why this happened from the bank. They tried to say that it was due to inactivity, but there were other transactions just two weeks before that.

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 2022-07-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX, XXXX Address Date of inquiry XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2022 XXXX XXXX, Address Date of inquiry XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Equifax is reporting inaccurate personal information on my credit report which is adversely affecting my ability to obtain credit approvals due to conflicting information in their database that negatively impacts the identity verification process. This is damaging to my credit profile and per the Fair Credit Reporting Act, I am hereby requesting for the following inaccurate information to be removed : XXXX XXXX XXXX, XXXX, FL XXXX Please delete the above offending information as I have never resided at this address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I am requesting the audit trail ( accounting, file, ledger and transactional history ) for the consumer credit transaction that occurred on XX/XX/2022.

Company response to consumer: Closed with explanation