BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-11
Company: EQUIFAX, INC.
State: TN
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 Account XXXX, has violati my nonta 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 XXXX XXXX XXXXXXXX. 
Closed on XX/XX/XXXX XXXX XXXX  Opened XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
In XXXX of 2022 Discover credit card called to tell me I was late on a payment. I then told them that I did not have a Discover credit card and the charges made at a XXXX store in XXXX XXXX XXXXXXXX and balance transfers made to a bank in XXXX XXXX XXXXXXXX that I have never done business with. Just before my account was created my mail was forwarded to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. This account was created with an email address that is in no way associated with me. Discover has removed some of the charges but left most of them. But they are all of the same. The charges at XXXX and the balance transfers to the bank on XXXX XXXX XXXX all are about XXXX miles from my house and I have never been to either. In the process of dealing with many representatives they had mistakenly issued me another card XXXX XXXX XXXX, they sent me another letter with the last XXXX of the card XXXX. The other card they have on file is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Coinbase, Inc.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I had XXXX accounts with Coinbase pro and Coinbase with the email XXXX and the accounts were compromised and hacked so Coinbase closed all my accounts at Coinbase pro and Coinbase and I could not get my money back or my assets in cryptocurrency in both accounts. Coinbase took a possession of all my cryptocurrencies assets in both accounts and requested that I o-en a new account so they can transfer my money and cryptocurrency from the old accounts to my new account. So I o-need a new account with a different email which is XXXX and I emailed Coinbase several times to transfer my money and my cryptocurrency from my old accounts to my new account but they NEVER DID. They NEVER responded to my emails and they never transferred my money from the old hacked accounts to my new account and they never responded to requests and my emails. This is a FRAUDULENT COMPANY. COINBASE IS A FRAUD AND A THIEF. They stole my money and are not responding to my requests to get my money back from the old accounts. This company Coinbase needs to respond to my requests and refund me and transfer all my money from the old accounts to my new account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-09
Company: CBC Companies, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This complaint is addressed to INNOVIS. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I applied for the Bank of America Cash Rewards Card. Incentives are {$25.00} per quarter, if eligible. But I missed the last quarter rewards. I called BOA customer service on XX/XX/2023 and after reviewing my account, the staff XXXX said I am eligible for the reward but should wait until XX/XX/2023. He said the rewards would be arrived within 30 days. If there is no award, I can call back after XX/XX/2023. Because I dont see the rewards, I called customer service again on XX/XX/2023 XXXXXXXX XXXX. XXXX review my account and she said she can write a notice on my account and let me wait 2-3 days for the rewards in. XX/XX/2023 XXXX PM, I called the third time. XXXX said she can let them to put the rewards quickly after reviewing my account. Also, she gave me a suggestion not to pay full amount at due day ( XXXX XXXX ) and wait the rewards in. She said she would write a notice let me qualify for next quart. ( Dont pay the full amount is not qualify for the next quarter ). I have no idea and pay the full amount and I called the customer service the fourth time on XX/XX/2023. Also, I leave a message on XXXX BOA XXXX XXXX. They called me back and said you are noy qualify so you cant get the rewards. And She told me already mail me the letter on XXXX to let me know I am not qualifying but I never received and no find on my Mobile App ( All the letter can get on my Mobile App ). I dont know why she said I am not qualifying, and another three staffs work for BOA all said I am qualified to get the rewards after they review. If I am not qualifying why the three staffs all let me wait the rewards in? The fourth guy said that is the old program so the staff does not know. Also, I dont know why the staffs work at customer service wouldnt get the training from their company? The bank never let me know which is the qualify for cash rewards. 
I attached the quarter of the bill and I paid every Months. 
I want to get my rewards.

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I was try open my account back open or figure out why it was close they want me pay XXXX to close the account then re open a new one

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 2023-02-23
Company: Bread Financial Holdings, Inc.
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Comenitycapital/XXXX on my credit report for XXXX does not show any contact info. I tried calling XXXX could not help me. I am at a loss.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02
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:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 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 : # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information, other than records of convictions of crime which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Pursuant to 15 U.S.C. 1692 ( G ) section 809 ( B ) I humbly request your agency sends proof of validation made pursuant to the FDCPA laws, please provide the amount claimed owed, an explanation showing me how you have computed the amount. Copies of any documents that prove I agreed to pay the alleged amount. The identity of the original creditor, and confirmation that the account has not crossed the statue of limitations ( XXXX ) period. I would like to inform that the agency has reported invalidated account information, it will be regarded as fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency you represent, then I will be compelled to take legal steps against your agency for the reasons mentioned. Violation of the Fair Credit Reporting Act ( XXXX. ) Violation of the F.D.C.P.A. Defamation of character *Use of my copyrighted property. I will need a minimum of 14 days to investigate this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
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:
Credit acceptance XXXX. Bought a car voluntary surrendered. Recieved balance after the surrender. Paid it off. Credit accepted refuses to fix on credit report as paid stays shows in repossession still on credit report does say balance XXXX. Was agreed when paid they would remove it completely off credit. Have disputed it 6 times in the last few years.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had a checking account with Wells Fargo and after doing a job I was paid with a check and I had deposited the check into my account and the bank said the check was bad and just closed my account without warning. Now I can't open an account anywhere

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I never was late on payments. With no explanation WellsFargo closed my account

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Overcharged for a purchase or transfer you did make with the card

Complaint:
Wells Fargo ripped me off with their company operating as 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 2023-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
XX/XX/2023 Purchased 3 Items Online from XXXX XXXX using their Credit Card through Capital One. 

XX/XX/2023 Wrong Item delivered in large box via XXXX was incorrect Item-Recieved 30 '' diameter round mirror with brass frame instead of medicine cabinet Contacted XXXX XXXX to resolve -- was advised correct item would be shipped. 

No Items received therefore disputed transaction online XXXX XXXX Capital One Account and amount of order credited while in dispute XXXX XXXX  advised Capital One that correct shipment was received and Captial One recharged XXXX XXXX Credit Card XX/XX/2023 Contacted Capital One via phone and was sent electronic link to refile complaint XX/XX/2023. Documents below. 
XX/XX/2023 Capital One recharged my account for the item not received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Someone saying they worked for Bank of America contacted me to say an account was opened in my name aXXXX XXXX XXXX yesterday and then tried to make a {$5000.00} XXXX transfer. The caller said they had by SSN and DL info and gave me the XXXX fraud number to call. 

I called XXXX, who said it was not possible for this transaction to take place due to their security measures and the caller was probably an impersonator. 

I called the impersonator back ( XXXX ) and an automated system said the person was called XXXX XXXX ( or something sounding like that. 

Based on the poor quality of that automated system, I feel like it was indeed an impersonator. 

I have reported the incident to the FBI as well and wanted to file this report as additional notification/ protection.

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 2023-01-22
Company: EQUIFAX, INC.
State: SC
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 had my personal information exposed in several data breaches including the XXXX data breach, the Equifax data breach and the door dash data breach. After obtaining a copy of my credit report months ago and noticing fraudulent accounts opened in my name, i have tried contacting and disputing the fraudulent accounts but have received no action. I have been severely impacted due to these unfortunate events.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have a wells Fargo account and the atm fees are ridiculous

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 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
When I looked into my credit report, I noticed that some of the information was inaccurate. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) mandate that these items be verified by the three credit bureaus ( 1 ). ( A ). It is unacceptable to treat these reporting items as unverified allegations without providing evidence within the prescribed window of time. Sections 611 ( a ) and 609 ( a ) ( 1 ) ( A ) ( 1 ). ( A ) Could you look into the unverified items and remove them from my file right away? 
XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 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 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 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 non-monetary relief
Consumer complaint received 2023-01-22
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
EOS CCA placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports. 

I never receive written notification of this alleged debt at my address of XXXX XXXX XXXX, XXXX PA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
They closed my account said funds was to low

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 2023-06-14
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Citibank made an internal error thinking I deposited a 3rd party check, which is incorrect. They admitted it was their mistake but closed my account anyway.They simply overlooked the DBA. I am the sole signatory on all the accounts. They closed my account without notice and said it would be 45-60 days before I could get my funds ( approximately {$46000.00} ). I have tried weekly to get my funds or update. This occurred on about XX/XX/2023 and I have still not received my funds. I have SERIOUS health issues... .XXXX XXXX XXXX. I had to miss treatments because I lost my insurance while trying to collect my money. This is lXXXX XXXX. I can not even purchase my normal medicine right now. I haven't paid my rent, or my employees ... this is hideous.

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 2023-06-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not consent to authorize nor benefit from these account ( s ).

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 2023-01-22
Company: EQUIFAX, 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 have paid a collection off in XX/XX/XXXX. The closed account reported a collections on XXXX of XXXX. I am trying to get this removed from my account. Please help me with this. I have reported this to XXXX XXXX and they said they did not report this, only the credit reporting agencies can change this. I reported this to XXXX, equifax, and XXXX, and all 3 said it met their reporting standards even after I have called each reporting company twice to get this account removed or updated. I have filed a complaint with cfpb and this account has NOT been verified or updated. The account is XXXX XXXX. See attached documents. I would like this account removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX, has violated my rights XXXX XXXX # XXXX, has violated my rights XXXXXXXX XXXX XXXX XXXXXXXX, has violated rights XXXX XXXX XXXX XXXX XXXX, has violated my rights XXXXXXXX XXXX # XXXX, has violated my rights 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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