BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-01
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo forces me to have accounts that I do n't use. They tell me that if I do n't have a savings account they will charge me fees to my checking account. I opened a business account but I do n't have much activity yet with the account except a couple of transactions, and every month they charge me {$14.00} fee because I have not swiped the debit card XXXX times. I already have my debit card active for my personal account, so 99 % percent of the time I just swipe my personal card. I do n't want to have to close my business account, because of this fee, but it feels like the bank is just gouging my account every month for fees, and not trying to do anything to help me out as a customer. Over the last 12 months, I have XXXX fees totaling {$56.00}. I had to speak to a bank rep XXXX time, and was able to get them to refund XXXX because I was able to show her that I was having issues using my card in the beginning when opening the account, but it was like pulling teeth. I 've also been charged {$15.00} for fees on a savings account that again I 'm forced to have. I was told I needed to have a savings account when I opened my checking account in order to have a " free '' account with no fees. They force me to transfer {$25.00} every month into savings account. If no transfer is made they charge me {$5.00}. Last month my scheduled transfer did n't complete because I had low funds probably, and then it seems to have canceled this months scheduled transfer. So now they slapped with a {$5.00} fee for that. This bank will charge you fees for anything. Please help me get my money back from these theives. It 's all over the news how the bank illegally had their staff create these accounts.

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 2020-04-23
Company: EQUIFAX, INC.
State: LA
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 learned that XXXX XXXX/XXXX XXXX XXXX had reported a {$200.00} Charge Off on my XXXX, Equifax, XXXX  and XXXX report in XXXX. 
I disputed this item as not mine with the all four of the bureaus in XXXX and according to the bureaus XXXX XXXX  verified with them in XXXX. 
I then wrote XXXX XXXX requesting information regarding this debt. XXXX XXXX  did not respond to my XXXX  to them. 
I received a notice from a collection agency in XXXX and so I wrote them a letter requesting validation of the debt. The collection agency then sent me a letter stating that this account would be sent back to XXXX XXXX. 
I have spent hours trying to get any type of clue what this account is for with the credit bureaus yet all they can tell me is that it is verified, and I have yet to receive anything about this. Yet it is still being reported to my credit bureaus. I asked all bureaus to give me the method of verification and they gave me the number to XXXX XXXX  and they are no help over the phone or in writing. 
This is not my debt this is not my account and it appears on my credit file in error. XXXX, Equifax, XXXX  and XXXX somehow verifies this, yet I am unable to even find out what the debt is for. I am at my wits end with Experian unlawfully reporting invalidated and unverifiable information on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
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: Investigation took more than 30 days

Complaint:
I have been requesting a response from the credit bureaus regarding verification + validation for almost 1 year of a reported XXXX  XXXX bankruptcy. XXXX, XXXX, and Transunion. the last date of action was taken on XX/XX/2022.

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 2022-07-12
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Responding to XXXX in which my complaint # XXXX regarding student loan was marked as a duplicate complaint. That complaint # was closed, however, after calling your company, I was advised to select a different option. My complaint with Navient student loan was sent back with the company providing inaccurate information regarding my initial complaints. I am re submitting my document so that a closer look can be taken on what I was provided and what the company response claimed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: Home Point Financial 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:
XXXX XXXX XXXX is reporting 4 Late Payments ( XXXX, XXXX, XXXX, and XXXX when I was never late or even with that company. This was fixed but has reappeared on my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Addresses : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX  XXXX, TN XXXX XXXX XXXX XXXX, TN XXXX Employers : XXXX XXXX, TN Collecons : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX AXXXX XXXX XXXXXX/XX/XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX  XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX, TN XXXX Employer : XXXX XXXX XXXX XXXX  XXXX, TN XXXX XXXX Collecons : XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX NA XX/XX/XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2022-07-19
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have been requesting a response from the credit bureaus regarding verification + validation for almost 1 year of a reported XXXX XXXX bankruptcy. Equifax, XXXX, and XXXX. the last date of action was taken on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Recovery Associates has been harassing me with phone calls and mailings for years over a credit card bill from XXXX XXXX which is over 15 years old. I have repeatedly ask them to stop contacting me and I have been ignored. I became XXXX XXXX in 2000 with a XXXX XXXX XXXX and I have no way of paying the approximately {$1000.00} they say I owe. I am XXXX years old and their harassment is making my condition worse. Please, I need your help to get them to stop contacting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-02
Company: GOLDMAN SACHS BANK USA
State: IL
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:
I am completely disappointed with the Goldman Sachs AppleCard. I will not be using this card anymore because communication has been difficult, customer service skills are lacking, and it is taking too long to get to the bottom of an issue that should have been resolved two months ago. I purchased two XXXX via phone with the XXXX on XX/XX/2022. The phones were suppose to arrive to me on XX/XX/XXXX but I never received them. I contacted the XXXX via phone on XX/XX/XXXX and they cancelled both phones. I thought my card would be credited after they cancelled my order but it wasn't. I called the AppleCard on XX/XX/XXXX to dispute the two charges that was still on my card. One charge was successfully disputed but the other charge is still unresolved. I have made three calls the XXXX & Applecard and I haven't had any success resolving anything and i have been told a bunch of different things which do not all add up. Things came to a head when I spent over two hours on the phone on XX/XX/XXXX to try to figure out what I owed because my bill was incorrect. I ultimately tried requesting a Supervisor but I had to deal with at least three over reaching representatives who even made requesting Supervisor difficult. One of them named XXXX demonstrated how she lacked customer service and listening skills when she decided to hold me hostage on the phone listening to dead air and I eventually had to hang up on her and get someone professional to help me get to a Supervisor. I still don't have anything resolved. The Supervisors I spoke to was not even sure how to assist me with the issue leaving me disappointed and frustrated with the AppleCard. I do not know why one dispute was resolved and why the other one is still ongoing and why I can not get any answers more than thirty days after disputing the items. Why did I have to dispute them when the transactions were cancelled. Anyway this has been XXXX dealing with XXXX and I need a leader at Goldman Sachs to step up and resolve this because this should have been a simple matter to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Early Warning Services, LLC
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Person said they sent me {$200.00} to my zelle. 
I checked my email and I had an extremely official looking email from Zelle who said I did not have a business account and there needed to be more money sent by the seller. The seller said they did their part, I sent them the refund. I didn't feel right about it, but the email was SO realistic. I felt like I must be missing something and this HAD to be legit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The EXPERIAN Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # : 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 2019-11-04
Company: Experian Information Solutions Inc.
State: PA
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: Problem with personal statement of dispute

Complaint:
I disputed all open accounts with credit bank on XX/XX/XXXX results  were ready the same day also tried disputing XX/XX/XXXX and XX/XX/XXXX and also XXXX. I have been XXXX  since XX/XX/XXXX  and have included solid proof to Experian and the creditors. I was also denied disputing the address on report which I never lived. There is no possible way that this was investigated in less than 24 hours.

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 2018-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Inaccurate hard inquiries customer service would not take care of the negative inquiries reporting to my credit report. Company - Trans Union XXXX XXXX XXXXXX/XX/2018. XXXX   XXXX XXXX - XX/XX/2018. XXXX XXXX  - XX/XX/2018. XXXX XXXX XXXX - XX/XX/2018. XXXX XXXX XXXX - XX/XX/2018

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 2020-02-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/2020 {$160.00} XXXX XXXX XXXX Last reported XX/XX/2020 {$720.00} Reported balance Credit limit {$400.00} XXXX XXXX XXXX Last reported XX/XX/2020 {$470.00} Reported balance Credit limit XXXX XXXX XXXX XXXX  XXXX Account Type Lease Balance {$470.00} Date XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative Balance {$800.00} Date XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on XX/XX/ I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: CITIBANK, N.A.
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:
I discovered fraudulent activity on this account on my Home Depot account in the amount of {$22000.00} the balance on this account should be one thousand or less. I reviewed my statements from XX/XX/XXXX to XX/XX/XXXX and fraudulent activity starting from XX/XX/XXXX to 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 2021-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have tried on two different occasions in XXXX and in XXXX to try to report fraud on my account, XXXX keeps saying its my fault and putting the money in my card for me to pay and my FICO score has been destroyed. I am a victim of fraud and my credit has been destroyed through no fault of my own and XXXX will not give me my thousands of dollars back

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 2022-07-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/22, I received an email from Experian, notifying me of a recent change to my personal information tied to my membership. On XX/XX/22, i contacted Experian where it was confirmed that someone had hacked into my membership and made changes to all my personal information. They were able to help me to place back my prior ( real ) info, however, when I wanted to speak to someone about their processes that led to this breach, i was not able to be passed on to someone of authority, and was given the same standard answer, basically that everything is fine. However, I dont believe things are fine, and that their software could or should be updated to raise a flag, earlier, when a membership has multiple changes, if not all, the personal information ; no one ever needs to make so many changesunless your looking to breach and fraudulently hijack someone membership/identity.

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 2022-07-19
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband and I were looking to apply for a home equity loan on our investment property. Region 's Bank online advertisement stated that home equity loans could be done on a first, second or investment home. We applied, never heard from lender on any decision, only to ask us to unlock our credit, and submit financial documentation, we submitted the requested loan documents and never heard from the bank. My husband and I reached out a week later to inquire on loan status and were told we were denied because they do not lend on investment property even though they had the application and knew the reason for the loan application. So Regions ran our credit and obtained all of our personal financial information knowing they weren't intending to approve this specific loan. There online advertisement was extremely misleading and was the reason we submitted the online application.

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 2017-09-01
Company: Coinbase, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On X/XX/2017 I transferred {$26000.00} to my Coinbase inc wallet, transfer id # provided by Coinbase Inc was XXXX, the email associated with the Coinbase Inc account is XXXX. The transfer was approved by my XXXX XXXX XXXX representative but I never received anything from coinbase in response, not even a transaction confirmation email or receipt. They advertise online transfers take 4-5 business days but the wire is n't even pending in my coinbase account. I submitted a claim to coinbase and reached out to their customer service multiple times via email, claim submission online, and their twitter customer service account but the company is unresponsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: Experian Information Solutions Inc.
State: AL
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 incorrect information on my Experian credit report as follows : 1 ) XXXX XXXX XXXX reporting a debt that I have no contract or knowledge of and is not verified. 

2 ) expired inquiry still reporting XXXX inquiry date : XX/XX/XXXX supppsed expiration : XX/XX/XXXX XXXX XXXX XXXX 3 ) expired inquiry still reporting XXXX inquiry date : XX/XX/XXXX supposed expiration : XX/XX/XXXX XXXX Thank you for your assistance in this matter.

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