BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-01
Company: WELLS FARGO & COMPANY
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In XXXX XXXX XXXX I received an unexpected notice from Wells Fargo that both my checking and savings accounts would be closed due to ATM transactions. I never use an ATM and did not have significant transactions of that nature on my account history. I went into the nearest banking branch, which was in XXXX, CO. While there I inquired about this and the bankers could not articulate a concrete answer as to why my accounts would be closed or point to any particular transactions that were of concern. In response to this, a consistent history of disregard for me as a customer over the years and a failure to abide by laws I had witnessed in other occurrences as a minor, I decided to withdraw all my funds that day. Wells Fargo had placed a deadline for me to withdraw all my funds or they told me that they would mail me a check with fees attached to that. I never received any communication as to why both my checking and savings accounts were shut down randomly.

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 2022-09-30
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the Federal Law, and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Experian Information Solutions Inc.
State: MS
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2022-08-03
Company: DISCOVER BANK
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
My husband died 8 weeks ago unexpectedly from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX in XXXX  and had no life insurance. I filed bankruptcy but then submitted a voluntary dismissal from that court. I am in possession of the court ordered dismissal granted XX/XX/XXXX, XXXX Credit reports do state the dismissal however, I was denied a prepaid credit card by Discover Bank due to " bankruptcy ". I did speak to two account managers this morning but was told they will not take into consideration the court ordered dismissal as well as the fact my home was purchased cash as well as both vehicles being fully paid for. My water bill of $ XXXX arrived last week yet I did pay {$400.00}. Electric bill was {$110.00}. I paid {$300.00}. This, to me is discrimination. I am currently paying XXXX XXXX XXXX {$540.00} a month for four years for the debt. I do receive {$3100.00} per month in VA benefits and SS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
A transfer was made via my Zelle account to a person that I have no association with, or have any knowledge of who they even are. Account verification must have been made in order to approve transaction/transfer. This transfer occurred XXXX XXXX. After seeing this I cancelled my Zelle so that this would not happen again. I filed a fraud claim through Zelle and was informed today XXXX XX/XX/2022 that my claim had been denies. Zelle had determined that it was not fraud even though the amount of {$2500.00} had to be authorized by me via phone call and was sent to a random person I have no association with. They have taken their money they refunded me back and stated they can not help me. This company has been no help and has denied an actual fraud claim. They did not tell me why my claim was denied other than the fraud department had determined it wasn't fraud with no further explanation. This is fraud and should be handled by Zelle as such. I would not recommend this money transfer service to anyone as they do not protect customers accounts and allow blatant fraud to occur and not properly handle these situation. They have some of the worst customer service and even though the fraud was reported as soon as it happened they still denied it as fraud. I will not be using this service again and I am very frustrated that they took my fraud claim money back and stated it was not fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
I have a charge off bank account that should of been deleted off my credit report years ago It is fully paid off and I would like it permanently deleted off my credit report

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 2022-12-30
Company: EQUIFAX, INC.
State: FL
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 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 2022-12-30
Company: EQUIFAX, INC.
State: OK
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 am a natural person, i am a living human being. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681 and they violated my rights numerous times. I demand the accounts listed below to all me removed because according to 15 USC 1681, I have the right to privacy and i did NOT give Equifax written permission to furnish these accounts. 

Account : XXXX XXXX XXXX Inquiry date : XX/XX/2022 Account : XXXXXXXX XXXX Inquiry date : XX/XX/2022 Account : XXXX XXXX Inquiry Date : XX/XX/2022 Account : XXXXXXXX XXXX  Inquiry date : XX/XX/2022 Account : XXXXXXXX XXXXXXXX  Inquiry Date : XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: KEYCORP
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This is an ongoing, recurring problem that has been addressed with Key Bank multiple times using multiple modalities including written letters, emails, verbal, in person communications, and telephone calls. 

Key Bank continually allows XXXX XXXX to make unauthorized withdrawals from my account causing the account to continually be overdrawn. This has happened so many times that I requested that the account be closed. Key Bank refuses to close the account ; therefore, this is a recurring problem that Key Bank will not stop or prevent from recurring. 

XXXX XXXX has also been contacted multiple times using multiple modalities. XXXX XXXX is not authorized to make any withdraws from any of my accounts. They were notified in writing via email and the postal mail. They were also notified verbally over the telephone and in person. 

This has to stop. It is causing undue stress. 

Key Bank is empowered to make this stop, yet, they refuse to cooperate. They continue to allow this to happen over and over. It's ridiculous. 

Numerous disputes have been filed with Key Bank to have all the charges reversed. This can not continue to happen. It has to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: EQUIFAX, INC.
State: FL
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this matter can be resolved as soon as possible. 
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 2022-12-30
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 value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yetI have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected toeliminate any records recorded on an XXXX XXXX XXXX XXXX XXXX. I've proactively remembered thisreport from a past letter and I am including it once more. I've educated my lawyer regarding my aims and theyare eager to consider you responsible for your tenacious rebelliousness. 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: CoinZoom, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XXXX XXXX at approximately XXXXXXXX XXXX I received a XXXX alert form XXXX of an Unreconized charge through my XXXX account in the amount of {$490.00}. I logged into my XXXXl account to obtained more information. There I discovered an invoiced with information alone with a phone number to dispute the charge. I called the number and a male voice answered and identified himself as XXXX XXXX This person identified himself as XXXX and told me that my phone had been hacked by and they where trying to get into my accounts. He told me that he could stopped the hackers and I needed to download an app called XXXX XXXX. This app allowed him/them to gain access to my phone. Upon access they began serching for accounts associated with money. They had me to allow them access to my digital currency accounts as well as my bank accounts. They told me they had to remove and safe guard my funds before they could stop the hackers. They gained access to my XXXX accounts CoinZoom where I had approimately {$80000.00} dollars in XXXX and XXXX stored. They begin to transfer these funds from my account at a rapid pace. They transferred these funds to a newly created account into XXXX using my information. Then they gained access into my XXXX bank account. They instructed me to transfer {$17000.00} from my savings account to my checking account. They had me send {$7500.00} through XXXX to my son and then had me immediatedly reverse the transaction by having my son send it back. I later discovered they closed/deleted my XXXX account. Then they used {$10000.00} to purchase XXXX from my XXXX account and another {$1000.00} was used to purchase XXXX through my paypal account and XXXX. All this took place a span of about 4-1/2 hours with me. They tried to bring 2 of my sons into their scam but my sons had suspected this was a scam. They tried to alert me by phone and through text but was blocked. They kept telling me to stay calm and that my funds would be returned in 24 hrs. After they where done I became panicy and begin to take action by alerting my bank and the other institutions involved. My bank to action by stopping 3 of the 4 transactions to XXXX. We to other security proceedures to protect my account. However CoinZoom, XXXX made a decision to not cooporate. I filed a report with the FBI hotline for senior citzens as well a report with my local law enforcment agency. After visiting my Social Security office I was advised to visit my State Reprensentive office where thy suggested I file this report with CFPB and the FTC.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: EQUIFAX, INC.
State: WI
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: LEXISNEXIS
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I've sent several request in order to receive my consumer report from XXXX, LexisNexis and XXXX. However, I have not yet received the requested reports. Please advise me in how to remedy. I have provided the verification documents that were needed in order to fill my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: EQUIFAX, INC.
State: VA
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:
Hi CFPB, For XXXX XXXX XXXX XXXX, my account is current and I am paying on time. could you please remove delinquency reported in Equifax, XXXX and XXXX credit score. XXXX missed payment from the XXXX XXXXXXXX and XXXX is showing in credit report, I am attaching screenshot and it is effecting me a lot to apply further loans.Could you please remove them it would increase my credit score and help me. This is causing lot of demotivation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Prosper Marketplace, Inc.
State: MD
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 tried to fix this with XXXX. Someone opened a card in my name from Prosper. I have disputed this with all 3 bureaus. All of them have erased the fraudulent information except for XXXX. The last complaint I sent, they said they would look into it. They sent me an updated credit report a few weeks ago stating that the information wasn't on there. And this morning they stated that the information was updated and mines. Again, how are they verifying the information, when the the credit card company itself is saying it was a fraudulent 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 2022-11-16
Company: ENCORE CAPITAL GROUP INC.
State: MO
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:
On XX/XX/2022 I sent a cease and desist letter to Midland Credit Management to cease all communication with me. The company responded on XX/XX/2022 in a letter that contact would cease. As of XX/XX/2022 there are XXXX new collections on my consumer report by Midland Credit Management regarding the XXXX accounts listed in the letter. 
Per 15 USC 1692a ( 2 ) the term " communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

The definition of the term medium is an agency or means of doing something. The medium in this instance are the consumer reporting agencies. Midland Credit Management are now communicating with me indirectly by reporting these XXXX accounts to the CRA 's and they are violating the cease and desist notice they acknowledged they received. 

Secondly as you can see from the letter sent on XX/XX/2022, although the account number is listed on my consumer report, Midland Credit Management mailed the letter to a different name/individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
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: Account status incorrect

Complaint:
I voluntarily closed my XXXX XXXX  XXXX Card account and I need it marked as CLOSED BY CONSUMER on the normal XX/XX/30 reporting date but if not immediately thereafter as it would be a willful FCRA violation to wait until XX/XX/XXXX or XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Experian Information Solutions Inc.
State: NY
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 Department of Education Account # XXXX, XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Credit Card Account # XXXX and # XXXX, XXXXXXXX XXXXk Account # 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.

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 2022-12-30
Company: ID Analytics, 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: Personal information incorrect

Complaint:
I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 XXXX WONT EVEN ALLOW ME TO DISPUTE ONCE I LOG ON.. 

XXXX XXXX EVEN ALLOW ME TO LOG IN OR RESET THE PASSWORD XXXX I EVEN CALLED THEM TODAY AND THEY REFUSE TO CORRECT MY NAME AND ADDRESSES. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MY ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX MY XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( i will only respond to email, no phone solicitations ) you are violating my rights with the false information. i am attaching all documents Drivers license, Birth Certificate, SSN, Passport.. my name needs to match my officail documents

Company response to consumer: Closed with non-monetary relief