BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-23
Company: WELLS FARGO & COMPANY
State: TX
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 cash advances

Complaint:
I have just been made aware of this situation. 
In XXXX, I purportedly had some overdrafts in my Wells Fargo checking account. Wells Fargo charged my ( Wells Fargo ) credit card for those amounts, despite the fact I had ( and continue to have ) a savings account with them. These changes are considered as a " cash advance ''. 
I am still paying interest on those " cash advances ''. 
I have discovered that the allocations of my monthly payment to my credit card balance is divided as follows : 7 percent is paid to these credit card " advances ''. In retrospect, the remaining 93 percent is being paid to RECENT transactions I have made that either have a 0 percent interest rate or another modest rate offered at the time of that transaction. Again, the " cash advances '' were made in XXXX. The transactions that the bulk of my payments are being allocated to, occurred in XXXX!! According to the bank, I've paid approximately half of the " cash advance '' balance. This is nothing but a fraudulent business practice! The bank continues to collect interest against a 5 year old debt!! 
How much more despicable can Wells Fargo get??

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 2020-07-23
Company: Early Warning Services, LLC
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I believe that I am a victim of fraud and /or identity theft. for the two years, the thieves have made my life a living nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 recently reviewed my credit report and found unauthorized inquiries. I contacted the creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

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 2022-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 recently reviewed my credit report and found unauthorized inquiries. I contacted the creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

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 2015-05-25
Company: PNC Bank N.A.
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Several months ago I moved and attempted to update my address with PNC bank. The initial request on their website did not go through. Around the same time I filed for several chargebacks for unauthorized charges. Because of this lack of change in address and the very short periods of time that they expected me to reply in ( From the time that it was received at my old address I often had less than a day to respond if the date had already not passed ). I thereafter contacted PNC on at least XXXX separate occasions requesting that they update my address - Via phone, mail, online, and in person at XXXX of their branches - My address has still not been updated more than XXXX months later. Because of this I have was unable to complete the disputes " in a timely fashion '' and they were closed. In addition these disputes are now ineligible for me to file again because the XXXX filing period has passed. As such I am now out over {$2500.00} because of their mistake - They have now closed the account and are attempting to collect this amount ( The provisional credits for the disputes were reversed because of a lack of a timely response ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: Empowerment Ventures, LLC
State: GA
Product: Prepaid card
Sub-product: General purpose card
Issue: Adding money

Complaint:
I loaded {$420.00} cash to my rush card at XXXX XXXX on XXXX and I am still waiting almost 3 weeks later to see the money on my card. I have emailed and called customer service on several occasions but they still have n't resolved this issue. I even mailed the corporate office a letter with a copy on the original receipt from XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
I'm writing this because I'm concerned that I am a repeated victim of identity theft as evidenced by my recent enrollment in XXXX identity works compliment of XXXX XXXX bank XXXX. XXXX XXXX bank XXXX also offered me a claim check acknowledging they were sorry to hear i was a victim of fraud and identity theft with them. all of them with a fraudulent hard inquiry and account on my credit report which has since been removed. I've also in the past been a victim to hard inquires by XXXX, XXXX, XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX loans of Texas, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, cXXXX XXXXXXXX, ( XXXX XXXX  XXXX XXXX XXXX XXXX XXXXk, XXXX bank XXXX XXXX XXXX XXXX used to be XXXX XXXX XXXX XXXX FOR XXXX XXXX ), XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX in 2020, mt past emails from XXXX XXXXnd XXXX have been hacked and stolen and shared and sold on the dark web though ii can't stop that i need to protect me self and shut those emails down and i don't know how to reach out to 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 2022-04-10
Company: WELLS FARGO & COMPANY
State: MD
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 XXXX XXXX # XXXX, WELLS FARGO HM MORTGAGE XXXX, XXXX XXXX XXXX CO XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Opened XXXX, XXXX XXXX ( Bank ) inquiry, XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX have violated my rights pursuant : 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

15 U.S.C 1681n. Civil liability for willful noncompliance ( a ) ( 1 ) ( A ) ( B ) and ( b ) Civil liability for knowing noncompliance

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 2017-05-24
Company: Experian Information Solutions Inc.
State: WI
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 have a state tax lien that was paid in full released and withdrawn in  XXXX . I have record from the court stating that  XXXX   County c ourt house nor the state of WI does not report to the credit bureaus nor do they provide information to third parties. I called Experian and  XXXX  on  XX/XX/XXXX  on this issue asking them how they Verified this information on my credit report to be true when the creditor they have to contact being the court/state does not give personal information to them. Both companies then admitted that they go threw a third party service which again is in violation of the fair credit reporting act to report false information, when claiming to get information from a court when it is actually obtained from an Unnamed third party. This is more than enough information to be a considered false information on 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 non-monetary relief
Consumer complaint received 2022-04-10
Company: LEXISNEXIS
State: MI
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:
Lexis Nexus, XXXX XXXX, and XXXX out of California are reporting information about me to the Credit bureaus ( XXXX XXXX, XXXX, and XXXX ) without my written consent. According to 15 USC 1681 as an consumer I have a right to privacy. For instance bankruptcies ; the court district does not verify a persons information to the Credit bureaus. Also all my personal information like my name, address, phone numbers, or emails are inaccurate on my report and they refuse to correct it. Any inquiry that is not associated with a line of credit attached to it was not me and submitted as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: EQUIFAX, INC.
State: DC
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 sent multiple letters request validation and I never got any information validating this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX the following accounts have violated my rights. 

XXXX Bank Delaware : XXXX # : XXXX XXXX Bank XXXX XXXX # : XXXX PXXXX XXXX  : XXXX # XXXX XXXX XXXX : XXXX # XXXX XXXX XXXX : XXXX # XXXX 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 2023-07-24
Company: Coinbase, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
I am writing to file a formal complaint against Coinbase, a cryptocurrency exchange platform, regarding a series of alarming issues that I have recently encountered. The purpose of this complaint is to bring to your attention the deceptive practices and unresolved concerns I have faced as a customer, and to seek your assistance in resolving this matter promptly. 

On XX/XX/XXXX, I made a purchase of {$2000.00} USD worth of USDC on Coinbase. At no point during the transaction process was I presented with any prompt or message indicating that my funds would be subjected to a lengthy hold period until XX/XX/XXXX. Had I been aware of this excessive hold period, I would not have proceeded with the purchase in the first place. This lack of transparent communication is deeply concerning and undermines my trust in the platform. 

To my utter dismay, on XX/XX/XXXX, when I checked my Coinbase account, I was shocked to discover that my funds were locked in a hold period until XX/XX/XXXX. I reached out to Coinbase 's customer support for assistance, only to be met with complete unhelpfulness and indifference. The lack of responsiveness and support from Coinbase 's customer service team has left me feeling utterly disregarded and disheartened. 

In an attempt to retrieve my funds and explore alternative platforms for my transactions, I promptly sold the XXXX USDC on XX/XX/XXXX. However, to my disbelief, Coinbase prevented me from withdrawing the money into my source bank account. This further adds to the already distressing situation and raises serious concerns about the platform 's commitment to customer satisfaction. 

What is even more disconcerting is that Coinbase informed me about the restriction on my account only after I had made the purchase. Prior to and during the purchase process, there was no mention of any restrictions whatsoever. This deceptive practice, coupled with the subsequent lack of transparency about the reason for the restriction, raises significant ethical questions about Coinbase 's business practices. 

I implore the CFPB to investigate this matter thoroughly and take necessary actions to rectify the situation. I am seeking your assistance in recovering my funds from Coinbase, as I firmly believe that such deceptive practices and lack of accountability should not be allowed to persist. 

I earnestly request the CFPB 's intervention to ensure a fair and just resolution of this issue. I trust in your commitment to safeguard consumers ' rights and uphold the principles of transparency and accountability in the marketplace. 

Thank you for your attention to this urgent matter. I eagerly await your response and hope for a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
In XXXX 2017 I contacted Transunion to dispute an account reported delinquent by XXXX XXXX. 

Following my online dispute, I had a follow-up conversation 10 days later via phone. I asked for their fax number as the original creditor XXXX XXXX agreed to fax a letter to TransUnion advising to correct their information and that I had no delinquent payments. 

Both myself and the original creditor have made several attempts over the last three months to get TransUnion to have my credit bureau reflect accurate information on my credit report. 

Despite our numerous attempts in all communication formats, TransUnion refuses to comply with the Fair Credit Reporting Act, that has had a direct economic impact on my ability to both get credit and the cost of obtaining credit. 

Attached is a copy for XXXX XXXX sent directly to TransUnion advising them that my account should not reflect any delinquency that should substantiate my claim of TransUnion negligence and merit both civil and criminal sanctions on Transunion in accordance with U.S. Code.

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 2018-01-10
Company: Midwest Recovery Systems
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I ran my credit report and it shows a derogatory mark from " XXXX XXXX XXXX '' in the amount of {$870.00} which shows an account opened date of XXXX/XXXX/2016. I have not received any communication from this company pertaining to this debt. No one has attempted to contact me by phone or mail. I have no idea what the amount is for. I disputed this with the credit agency and the result was that they added a note on the derogatory mark that states " account information disputed by consumer. '' I did not open an account with anyone on this date or around this date. I have 1 account that is 4 months old from XXXX XXXX. This is the only new account i have and it is in good standing. I do n't even know what this debt could possible be for??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: Experian Information Solutions Inc.
State: AL
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:
Im sending this complaint on behalf of myself and not a third part as you have suggested from the past. I'm a victim of identity theft and this has been going on way too long I'm tired of these reporting agencies playing games.

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 2022-09-02
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/XXXX : I saw on my cash app that someone was able to send themselves XXXX  bucks from my account. I contacted both my bank and cash app about the issue. Cash app didnt do anything but my bank provided me with a refund. On XX/XX/XXXX my bank took the XXXX  buck out of my account because cash app told them that I had multiple undisputed transactions with the scammer. This is a false claim and if you look through my transaction history you can see that there is only on transaction with a person named XXXX and I deputed the claim. Cash app sent false information to my bank that resulted in me losing my XXXX  bucks. I have made multiple attempts to get an answer out of cash app but they refuse to address the issue. The claim that they addressed my claim but never answered the question of whether or not I have multiple undisputed transactions with the person who took my money. Cash app refuses to answer the question because the they know they lied to my bank and wont take responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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 2022-04-10
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: Personal information incorrect

Complaint:
Hello, On XX/XX/XXXX I sent a letter to Experian requesting that my personal information ( addresses, employers, phone numbers, social security number, and date of birth ) be updated or deleted on my consumer report. I provided them with what should be updated/deleted and exactly how the section should appear with the correct information provided. After no action was taken, I submitted another letter on XX/XX/XXXX reiterating my request to have my information corrected. To this day, no action has been taken by Experian and my information remains incorrect.

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