BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-21
Company: Financial Recoveries, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Financial Recoveries Inc is calling and threatening me for a debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 was informed from my credit monitoring service with XXXX that my personal information was listed on the Dark Web. A few weeks later, I was alerted about some new inquiries on my credit report. I reported the incidents to the FTC and created a report to submit to the credit bureaus that reported the information. The unauthorized inquiries are still reporrting on 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 non-monetary relief
Consumer complaint received 2020-04-03
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Today, I was declined service at the XXXX MD  branch even though I presented my valid driver license. Afrer 20 minutes of waiting, I offered to write a HELOC check for the withdrawal, but was told I needed to produce my passport to make a withdrawal. Then I was denied a withdrawal of ANY amount by the head teller ( XXXX XXXX ) and the assistant manager ( XXXX XXXX ). I desperately called the regional admin ( XXXX XXXX ) while there, but she never returned my calls or texts. This is not the cash withdrawal policy at TD bank. You only need to show a valid ID - which I did. I correctly answered all security questions. I even offered to show a pic of my passport in my phone from a travelitinerary, but was told that I needed to come back tomorrow with my passport. I begged for cash or to do a wire, but was declined. I should be able to make a withdrawal on any given day, but during this unprecedented time to be treated so horribly when I need to feed my family, they should all be ashamed!! This virus is LIFE or DEATH and this bank treated me like they didn't care if I died.Now, I am too afraid to leave the house again, but we have no food and I can't get ANY money from my account to buy food and pay bills. I lost my debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
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:
Recently I suspected that my identity has been stolen due to the amount of calls and emails I receive about accounts and collects that do NOT belong to me. I also am aware that my information was exposed I about 5 different data breaches. The 2014 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The breaches put my information at risk and resulted in fraudulent accounts being opened in my name.

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 2021-08-12
Company: Coinbase, Inc.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Hello, I am trying to regain access to my compromised account for my cryptocurrency at coinbase - after XXXX  company allowed identity theft and sim card number swap.I have been waiting form the coinbade specialist to contact me for over XXXX business days when in a original message stated to wait XXXX business days. I am highly concerned and unfortunately disappointed in the customer service coinbase is providing in such a sensitive case. I will be filing complaint in a hope that others dont have to go through the same stress associated with choosing coinbase as their cryptocurrency trating up. 
I am hoping someone will care to provide me with my case status update as soon as possible As well I have no response from tmobile after filing fraud and no help or directions or taking the responsibility for what happened what so ever

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
My name is XXXX XXXX and my credit file number with Transunion is XXXX. I have written TransUnion credit bureau more than once concerning this problem of incorrect addresses on my credit file and other incorrect personal information on my credit file. They are reporting my childhood address as well in which I have not lived in over 30 years. I have asked them over and over to remove address and they REFUSE TO REMOVE INCORRECT ADDRESSES. I am requesting again. Transunion gives all kinds of excuses why they refuse to remove extra addresses. I have attached a copy of my ID and my Social Security card. Ive also attached a copy of mail thats dated with in the same month we are in now which is XX/XX/XXXX. I am the consumer this is my consumer credit file and I should know what should be on my credit file or not definitely things or addresses or items from years past should not still be appearing in XXXX. Hopefully this information will not be outsourced like everything else. In other countries like XXXX, XXXX AND PLACES IN XXXX XXXX with all of my personal information being compromised. Thats the other thing Consumers information has been compromised through Trans Union at no fault of our own. They are willing to outsource our information TO STRANGERS and refuse to believe who we say we are even when they have been given evidence of our identity. I have asked TransUnion several times to REMOVE the below addresses : REMOVE THESE ADDRESSES XXXX. XXXX XXXX XXXX. # XXXX, XXXX, Texas XXXX XXXX. XXXX XXXX XXXX. # XXXX, XXXX, Texas XXXX XXXX. XXXX XXXX # XXXX, XXXX, Texas XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX The only address should appear on my credit file is XXXX XXXX XXXX XXXX Texas XXXX REMOVE ALL PHONE NUMBERS XXXX XXXX REMOVE INQUIRIES XXXX XXXXXXXX XXXX XXXX INQUIRY APPEARS 3 times REMOVE ALL SEND AN UPDATED CREDIT REPORT VIA MAIL WITH ALL DELETIONS AND CORRECTIONS

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 2023-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/23 I received an email stating Capital One closed my account. I went to a nearby branch and they stated that they closed my account due to the fact that I filed a fraudulent claim. I did not file a fraudulent claim. I reached out to the merchant, XXXX for a couple of weeks without a response before deciding to file a claim of goods not received. 4 Days after I filed my claim the merchant sent a tracking number. I still have not received the goods. It is highly unfair that they would close all of my accounts for this reason when the reason is incorrent. I can provide the tracking that was sent to me AFTER i filed the dispute. Capital One has the worst customer service of any bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Block, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/XXXX, a cash app amount of {$400.00} was sent to an individual for a purchase. I never received my purchased a false tracking number was created and sent with no updates. So the charge was fraudulent and turned out to be a scammer using a fake identity of someone else. Reach out to my bank and they couldnt help since it was through cash app. Reach out to cash app but they dont give refunds. Something needs to be done about them not returning people funds when stuff like this occurs. The scams always get away with people funds. Thats not right to get free money off working people.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08
Company: Experian Information Solutions Inc.
State: AR
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:
In XX/XX/2018 I disputed an inaccurate account with Experian the account which is XXXX XXXX XXXX XXXX XXXX # XXXX. Experian investigated and it came back verified. in XXXX I sent in a certified letter to Experian for a Method OF Verification,,, this is my right to see and look over and see who verified the account with the credit bureau and the creditor. I have enclosed a copy of the letter that was sent to Experian via mail certified and the mail receipt that they received the letter, The letter dated XX/XX/2018 sent on XX/XX/2018 Experian got the letter on XX/XX/2018,,, i have copies of the delivery receipts On XX/XX/2018 i was notified that Experian completed there investigation with the account XXXX XXXX XXXX XXXX XXXX., they failed to send me what I requested, how they investigate it and complete the investigation and failed to send me the Methods of verification that I request, I am a consumer and I have rights to request the method verification.. Experian have violated my rights and need to remove the account from my credit, ,I am considering filing a small claims for the non-compliance.. this is not right, I have sent letters also asking for the original contract and they failed to send the proof that I am entitled to ... delete the account from my file,,, a debt is not valid unless there is a original contract signed by me the consumer and I have rights to see the original signed contract and to see there method of verification, ,if they did a 100 % verification then I should have been allowed to see the names and address and phone number of the people that verified the account with the, Experian violated laws and my rights and refused to send me what I Requested. per the FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your company. Experian received the certified METHOD OF VERFICATION Letter from me. They still refused to send me what I am entitled too ... this is not right,,, delete it please off my credit file,, is not right to violate my rights to what I am entitled to,,, I have enclosed the copy of the letter and the certified letter mail receipt and the delivery notification,,

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 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-02-19
Company: Santander Consumer USA 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: Account status incorrect

Complaint:
SANTANDER CONSUMER is reporting incorrect information regarding this account on my credit reports, this account was reported as charge off on XX/XX/2018. However, when an account is marked as charge off, it should not be reporting late payments and therefore is in violation of the FCRA. For this reason, this account should be DELETED from all credit reporting agencies due to violations of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: FL
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 sent a letter to XXXX and Trans union regarding two accounts. I separately sent these four letters to each credit bureau on XX/XX/2022 regarding XXXX XXXX account XXXX and XXXX XXXXXXXX account XXXX. The accounts have been closed for more than 3 years and is still reporting a charged off status which keep restarting the period of 7 years. If they keep reporting the co status it will never fall off my credit. They responded by just sending my credit report nothing else. As stated by the FCRA accounts should fall off your credit within 7 years and at this rate it will never fall off due to repeated reporting. This is a violation and against my rights. I requested they either update or deleted they didnt.

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 2023-03-02
Company: EQUIFAX, INC.
State: CT
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. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : Account Number : has violated my rights. Or a list of Inquiries : 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX I noticed some activity on my account, and I called Chime and let them know that somethings funny was going on. They brushed me off and told me that I needed to submit my social, license to support. When I went to go do that I saw that the email was sent 30 minutes prior. At that point I realized that my email was hacked into and the person called before me and they were able to send the email. Chimed in close my account and since XX/XX/XXXX have been axing me to send them my license, Social Security, and a picture of me holding some thing that says my name and the dates. I will send that to them every time and every time I send it they come back and tell me that they cant verify and then asked me for the same thing. It has been going on for a month now and the solution has yet to be resolved. They have told me that they sent this to a specialist to review and I sent that over to them XX/XX/XXXX, and yet nothing has been said to me since I sent them those same documents that the specialist asked for on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 am a victim of identity theft. I filed the correct paperwork per the FCRA and submitted the paperwork with my disputes to the credit agencies. Nothing has been done and I have not received copies of the verification process.

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 2023-06-28
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/. I disputed a fraudulent account on my credit reports by mail. As of today XX/XX/, I have not been notified of the investigation results, it has been more than 30 days since I submitted the dispute letter, and nothing. It's as if they are ignoring me on purpose. This is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Consumer Disputes : I have reviewed my Equifax credit report ( XXXX ) and have found inaccuracies. My personal information including social security number, name, and address was leaked to the dark web by the Equifax data breach. These inaccuracies are highly injurious to my credit. I am a victim of identity theft, so I have taken the steps of resolving this issue by filing a complaint with the listed creditors, Federal Trade Commission and Consumer Financial Protection Bureau. 

Fraudulent Accounts : XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Amount {$1600.00} XXXX XXXX XXXX XXXX  Acct XXXX XXXX Opened XX/XX/XXXX Amount {$1000.00} Fraudulent Inquires : N/A Fraudulent Personal Information : Jobs : XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation