BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-13
Company: BAM Management US Holdings Inc.
State: MT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
In XXXX, Binance locked US users accounts to follow us regulations. I was unable to transfer out of the currency I had and I panicked, so since it was an ethereum token, I transferred it to binanceUS ethereum account. Now its frozen in their wallet. I reached out to them first on XXXX and after a couple weeks they responded that I needed to send them my wallet address and a fee of XXXX bitcoin for them to take care of it in 5 days. I did this immediately and gave them permission to take the fee through email. 

Since then I have been put off and ignored. I filed other service tickets and was told the same thing. This was over the course of XXXX months. I finally got another response on XXXX that they would handle it, then again nothing. We are now approaching 4 months that they have had my {$40000.00} worth of tokens tied up. 

I started pressing them on XXXX so everyone could see, and they had the time to block me but not fix my problem. They post continuously how much money they are making and its really hard to watch. 

I feel they are lagging in their response to keep peoples money. Theres thousands of complaints on XXXX and XXXX, so you can XXXX how much money theyre making. We just dont know where to take the complaint or theyd have many more. 

Is this the right place to complain and do you have any other avenues of complaint where I might be able to get my {$40000.00} back?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2023-01-17
Company: TRUIST FINANCIAL CORPORATION
State: SC
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:
I've already filed a claim about Truist Bank/BBT ... they closed my account of XXXX  years because they " thought '' I was involved in fraud with my acct ( which I fell for a stupid scam on line ) and left my with a huge balance with service charges. I had a deposit come thru for XXXX on XXXX. Well they keep my deposit on my " CLOSED '' account and they will NOT refund me for the deposit just made after they closed my account! 
HELP ME!!! 
They just keep adding and adding to this " closed 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 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to CORRECT immediately : 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 2023-09-26
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This complaint is similar to one that was recently resolved by Key Bank. 
I did not realize I could have also mentioned a second check. 

Please see the facts outlined in my prior complaint XXXX. This complaint involves a second check that was compromised at the same time. 

Basically, checks were washed from two of my accounts for the XXXX XXXX XXXX back in XXXX, XXXX. Despite me immediately notifying Key Bank and completing all the required forms and filing a police report, the funds were not refunded to the accounts. I did everything possible to resolve the situation. 

At this time, there is one outstanding check for {$3200.00}, which funds have not been deposited back in my account.

From one of my recent calls to the Key Bank fraud line, I was advised that they filed a demand with XXXX. I asked when it was filed and was advised it was about 6 months ago. I asked if it was normal for it to take that long for a reply. 

As you can see from the prior complaint above, there were issues with the representative in the fraud department on my many calls, including being told that a supervisor would not take my call or call me back. 

I am hopeful, from the recent resolution of the other check, that this matter can be resolved with the depositing of the above amount back in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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 recently found out that I have a lot of hard inquiries on my credit report. These are not factual reports I did not give consent nor did I give them permission I put a security freeze on my account off and a security lock on my account this morning I have contacted the company I noticed I gave them my full social security number my address my phone number all of my information and they could not find any account that was opened or attempted to get open however this company indicates and shows up on my credit report on all 3 credit bureaus. I am asking that this gets removed from my credit report within 30 days or I saw seek legal action. XXXX/XXXX Date of request XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX Address identification number XXXX here is the second complaint. 
KOHLS/CAPONE Date of request XX/XX/XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Address identification number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting 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 urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28
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:
I dont understand how these people are getting ahold of my credit information. I NEVER had a XXXX account a day in my life so i Don't know what this Collection is about. The other 2 accounts XXXX and XXXX XXXX XXXX are linked to addresses that I've never heard of nor lived at in my life. I have lived at my current address since 2016 and i am still a current residence. Also Inquiries from : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Seems like someone is trying to use my credit to shop for a car. I am not looking for a car at the moment. Please delete these inquires as I did not apply for ANY of 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 non-monetary relief
Consumer complaint received 2021-07-22
Company: American Coradius International LLC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of 2021 XXXX made an unauthorized charge to my checking account. I disputed the charge for fear it was fraudulent. My bank saw it fit to reverse the charge and permanently give my money back. XXXX says it was a level up paymet to add money to my XXXX account. I have never authorized such a transaction, when I use XXXX  it draws from my debit card with my bank. I have no need of a XXXX balance. I never authorized the transaction, and I can find no record of authorization. XXXX has been very unclear. I have disputed the charge, I have chatted with a customer rep from XXXX, I have spoken on the phone with a rep as well. I have also emailed XXXX. They have been of no help. All they want is for me to make the payment they could care less that I never authorized the charged. They made an error and they want me to pay for it. They also sent me to third party collections and the collections agency has contacted my parents and spoke to them over the phone about the debt, they also sent a letter to them and they opened it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} 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 2023-01-17
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
What is this complaint about? Last year I paid fees associated with reinstating my mortgages after a short bout of unemployment. I bought my mortgage up to date paid all past due fees, attorney fees and foreclosure associated fees. 

What type of problem are you having? Wells Fargo is now advising me that we owe additional monies ( unpaid corporate balance ) of {$880.00} stating that we did not satisfy all the attorney fees when we reinstated our mortgage. They recently sent me a letter stating my mortgage was in default as a result of these unpaid fees. While my mortgage is currently up to date and not due until XXXX. 

What happened? I emailed and called. Some one by the name of XXXX XXXX in the executive suite called and shared with me that he would investigate my claims and reply in 15 days. He replied today via phone only to state that the claims are valid. He stated that he attorneys company sent them an invoice after the fact and that I am responsible for those fees. I vehemently deny those claims and feel that this is another attempt by Wells Fargo to defraud me and obtain additional monies in an unethical manner. These additional and excessive fees are a violation of RESPA What company is this complaint about? Wells Fargo Who are the people involved? My family, and Wells Fargo ( particularly the recovery department )

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 2022-05-04
Company: ALLY FINANCIAL INC.
State: MS
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 violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any 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 2023-07-12
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:
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.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting. 

XXXX XXXXXXXX Account Number : 1XXXX Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : 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 non-monetary relief
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
You have my reports on the companies. Now transunion won't let me get signed in. My phone has four log in names and passwords for transunion. Its a year old. And I never can get to dispute. They will let you download report. Call center is overwhelmed. You have to pay to get verified to talk to them on social media. And they just keep telling everybody that complains to dm knowing they wan na make a buck on what is supposed to be free to all americans. I'm a homeless vet with XXXX and I paid XXXX XXXX for a service to clean my cred for home purchase. It was destroyed again by your biggest predators, XXXX XXXX XXXX XXXX XXXX, with help from XXXX and transunion. XXXX had two mistakes. Transunion and XXXX have 8. And transunion makes it extremely hard to correct. It's why I paid a service. Sorry for all the workload I've placed on ya 'll but I get no results anywhere else. Thanks for helping

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 2022-12-13
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have a PayPal account under email name XXXX. 
PayPal permanently shuts down my account and freezes all the money in my account. However, this account was used solely to accept money from friends. I usually pre-pay party-related expenses and my friends use PayPal to transfer money to me so I can pay credit card bill. 
After PayPal freezes my account, I don't have enough money to pay my credit card bill, and causes lots of inconvenience to my life. 
I want PayPal to resume my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing regarding a collection account dated XX/XX/XXXX ( XXXX XXXX account ) being handled by Portfolio recovery. I have disputed this account since approximately XX/XX/XXXX without any documentation from Portfolio Recovery concerning validation of this debt. After many attempts disputing with all 3 credit reporting agencies I decided to dispute this debt once again. My most recent dispute letter dated XX/XX/XXXX addressed to XXXX. I did receive a reply today XX/XX/XXXX received by email message XXXX XXXX ( credit monitoring service ) that this debt is being reported as " past due '' and no longer a collection account. This maliciousness has to stop by this company. In the past they have reaged this account on many occasions and have caused headaches and damage to my credit. During this time I was also a victim of identity theft. As a result I have received free service through the experian credit monitoring service for several years. According to FCRA, all debts have to validated in order to collect a debt. To date Portfolio has not complied with the law and should be held accountable for deceiving actions. I would appreciate if CFPB could help me resolve this problem which I have tried to do myself with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Experian Information Solutions 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 information incorrect

Complaint:
I got a copy of my Experian credit report, and I noticed some late payments posted on my credit report : XXXX XXXX Your company is in clear violation of the law. Under 15 USC 16816 - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly States : ( 2 ) EXCLUSIONS -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
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