BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2022 I was a victim of fraud by a hacked XXXX account. 

I contacted who I thought was the owner of the XXXX account who was advertising game consoles for sale. I contacted them via direct message on XXXX- they told me to send them the total of {$850.00} via XXXX for the items I purchased. Once the sale was finalized I noticed that the actual owner of the account had posted on their XXXX account that their XXXX account had been hacked. 

Once I realized that I had sent the money to a scammer I quickly contacted my Bank while also trying to cancel the transfer from my mobile device with no luck. 

After speaking to a representative they mentioned that it would take between XXXX weeks to give me an answer to my claim. 

After XXXX days I received an update that my claim had been denied and that the money will not be returned to me. 

I believe they did not take the right amount of time to look into my case and was not thoroughly investigated. 

I also contacted XXXX directly with no luck. 

I've attached both updates from my bank as well as proof that I've reached out to XXXX and police 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 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-25
Company: EQUIFAX, 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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: American Financial Network Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I've been calling and chatting almost daily since the first week of XXXX trying to get information about payments. I'm being approved for the Homeowner Assistance funds for 17 futures mortgage payments. This is a federally funded and regulated program - overseen by the U.S. Treasury. Mortgage companies and are required to comply with guidelines set forth by the Federal Government in terms of reporting and communication. XXXX voided and reissued check XXXX via ACH to XXXX the morning of XX/XX/2022 once they confirmed all homeowners on that account were theirs and a check # XXXX that XXXX confirmed they received. As of today, only one payment ( check # XXXX ) was posted on XX/XX/XXXX covering my XXXX payment. Now my XXXX and XXXX payment are past due because they aren't applying the payments on time. They send me a letter letting me know that I'm past due but in reality, I'm not because they had my monthly payment the problem is that they are holding it back. It's a nightmare every month dealing with late fees that are unfair since the payment arrive on time.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had cable tv and internet services with XXXX for several years. I decided in 2020 to disconnect all of my XXXX products and go to a competitor. Knowing that I was switching providers, I paid XXXX the full amount on my Closing Statement {$180.00} immediately. But, for some reason XXXX wants me to pay additional charges and they have assigned my closed account to a few collection agencies. And I have continually submit proof of payment and they no longer contact me. Nevertheless, XXXX keeps hiring new collection agencies knowing that my account has been paid in full.

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 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

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 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent out letters to the bureaus about this account. I have no idea where this came from but im trying to buy a house. This item needs to be removed please! 


XXXX ) XXXX XXXX # XXXX xxx 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 2018-08-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have filed a complaint against Fifth Third bank on XX/XX/XXXX complaint # XXXX. Fifth Third responded on XX/XX/XXXX with no explanation for freezing my bank account without doing any investigation of funds, The funds are clearly protected funds I have no other source of income. Fifth Third banks failure to research and do a 60 day look back and review my accounts has cost my family thousands of dollars. I am supporting XXXX minor children on a fixed income after my wife past away on XX/XX/XXXX. I am also on XXXX. Fifth Third neglected banking duties. Costing my family thousands of dollars in legal fees. This all could of been avoided if Fifth Third did a  investigation before freezing the account. Fifth Third Bank has not taken any responsibility to my complaint # XXXX and has not offered any resolution to miss management of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Media Collections, Inc
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted by phone by a representative of Joseph , Mann & Creed about a debt to a company called XXXX for payment of a motorcycle monthly bill of XXXX. My bank was referenced as the connection to the debt. I told the representative that I will call my bank and call them back. I spoke to a rep from my bank that owns has the lean on the motorcycle and they assured me that the account was in good standing just as the bank website is reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-22
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: Information is missing that should be on the report

Complaint:
There is a collection account ( XXXX XXXX XXXX ) that is placed on my credit file that is not accurate. However, I can not dispute the information with the company because the address listed is not correct. 

Since the information listed by the credit reporting agency is inaccurate it must be deleted by the reporting agency. However, after writing two letters to Equifax, they have ignored my letters and continued to keep reporting the inaccurate information in violation of federal law ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: Coinbase, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I had {$1700.00} in a Coinbase, Inc account XXXX XXXX, 2017, I sold and authorized sent to my bank account. It has never arrived, most phone numbers for Coinbase are non working, no one answers numbers that do work, emails are not returned and there are Thousands of online reviews stating this is normal for Coinbase and MOST people just end up getting screwed. Coinbase is a scam run by thieves. I have n't filed a lawsuit, there address is virtual so they ca n't be served. I am  filing complaints with the US and New York AG, CFPB, IRS, FBI and Banking Commission. I want my money ... NOW

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: SECURITY FINANCE CORP
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I paid off account over a month ago and have asked the company to update my credit report. When I file a dispute with the balance with the credit bureau, the company keeps stating that the balance is correct. The balance is XXXX. They will not report that this account is paid off. I told that I need this done for other financial reason. Company will not assist me with this. I asked when I paid off when will this be reported. I was told at the end of the month. The end of XXXX has passed and it is almost the end of XXXX and the company has still not updated my credit report. It only took two weeks for them to report that I had a loan with them but they take their time in reporting that the loan has been paid off. I need this off my debt ratio.

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 2023-12-07
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting 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 woke up this morning around XXXX Eastern time because I had heard my phone ding. There was an email from experian stating that there was a new inquiry on my credit report, when I logged in there was a hard inquiry from XXXX  XXXX today. I have no applied for a XXXX  XXXX credit card and I have no submitted a request for one. I contacted Experian and filed a dispute, I also filed one with XXXX. Experian advised me to contact the bank XXXX XXXX. I was told by a representative that someone did try to open a card in my name and that they would decline the application due to me letting them know someone had used my social security number unknowingly. I told them that if it werent for experian emailing me and letting me know about the inquiry I wouldve never knew someone tried to get a card in my name. Especially due to me not getting an alert from XXXX XXXX or anything. I do not have any accounts with XXXX XXXX and I have never applied for a XXXX  XXXX card.

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 2023-12-07
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The alleged debt is a fraudulent charge. The property management claims the apartment needed a cleaning, I submitted video evidence of the entire apartment cleaned thoroughly. 
The property management team charged my entire deposit to clean then and subsequently the remaining utilities were not covered. 
They owe me money. 

The debt collector lied after I submitted the evidence of the apartment being clean and said that I was not being charged for cleaning like is stated on the ledger sent by the property management, but for " sanitization '' which I never agreed to in my lease. 
They stated that even if the apartment was clean that I still have to pay for the sanitation. 

The charged is fraudulent and the debt collector has lied about what exactly I owe and why I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is another CFPB complaint to inform the Credit Bureaus that I am a victim of identity theft and I complaint to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the identity theft. These accounts are unknown to me. Also, the information you provided on some accounts is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. Under the provisions of the Fair Credit Reporting Act section 605b, I am demanding you to please remove the following items off of my Credit File as soon as possible ; XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022. If you truly believe that the disputed accounts and information you report on my Credit File is accurate, prove it by sending me copies of documents bearing my signature. Without any of these documents, I expect you to please remove the disputed items as soon as possible.

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: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. The require the 3 credit bureaus to validate this account. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$13000.00}, XXXX XXXX XXXX Balance : {$13000.00}, XXXX XXXX XXXX Balance : {$13000.00}

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 2021-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Weve received your complaint. 
Well send you updates about your complaint along the way, but you can track the status of your complaint at any time on your Consumer Portal. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 Follow up. 

Capital has block all use of my debit and credit online. They refused to act swiftly to cance the XXXX hackers when I reported it within 24hrs and they said they could and didnt. They also obstructed evidence I sent by purposely avising me to email the wrong email ( XXXX ) Then they said they will call me in 2-3 this past week when I escalated the denied claims which took them longer than 10business days to sort out and they sent me no provisional credit after I was promised credit on friday the first week in XXXX Now I can no longer call anyone because I dont have a working checking, debit, or credit card all because of capital one misdirection and obstruction. I have fallen ill due to allthis and soon will have to goto hospital for an XXXX  XXXX  overload on myself and my family. I have XXXX  2x this week in my own home with the ac on due to XXXX  from capital one and hurt my head.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: SC
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:
Please look at Experian CASE # XXXX REGARDING THIS CONCERN I have disputed this account ending in XXXX XXXX XXXX XXXX XXXX several times already . I have sent in a police report, fraud complaint/identity report copy of my ID and recently sent a letter from the creditor stating that this account is result of fraud. I have attached the letter from XXXX XXXX to this complaint and this account need to remove asap. If not me and my consumer law will pursue legal action.

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 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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