BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-05
Company: AMERICAN EXPRESS COMPANY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There were hard queries on my Credit report in XX/XX/XXXX when someone was trying to open account using my details in multiple banks, On looking at those hard queries I reported to Credit Bureau and informed XXXX XXXX and XXXXXXXX XXXX ( as hard queries from these 2 banks were reflecting on my credit report ). I also got my Credit freeze from Credit Bureau on XX/XX/XXXX. But the American Express opened accounts on the request of fraudster using my details/identity in XX/XX/XXXX which I was totally unaware of. I moved to XXXX in XX/XX/XXXX from XXXX  and never return to XXXX till this year XXXX XXXX. 
I have no clue who opened the account and used the cards, I reported it to American Express last year when I saw an alert on my Credit report and again this year about the fraud account. 
I reported it to XXXX Georgia Police, FBI and FTC a few days back. 
I raised a dispute about the address and this fraud account with Credit Bureau XXXX and they removed the address and one of the Amex accounts also But bank sent me a letter saying someone called American Express impersonating me and asking for Payment arrangements. I dont know who is talking to bank about the payment arrangements impersonating me. I never called American Express for any Payment arrangements request. I never requested or opened any American Express account after I left the country in XX/XX/XXXX. I don't know who opened the account and used the cards issued by American Express against those fraud account. I will not pay for any fraud account opened using my identity after XX/XX/XXXX which were not operated by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-19
Company: EQUIFAX, INC.
State: NY
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/XXXX I applied for a car loan with the creditor. I was declined credit. They reported two hard inquiries on Equifax, one for XX/XX/XXXX and XX/XX/XXXX. I did not apply for two loans and there was no need for them to do two hard pulls 5 days apart. I contacted the bureaus about it and they did not investigate, they advised me that I need to contact the lender. I contacted the lender via email and called them. They responded that they would investigate. They then sent an email on another account that I hold jointly with someone else that had nothing to do with my application. I requested that they remove the additional inquiry as it is injurious to me and I did not apply for two separate loan request. As of XX/XX/XXXX they have yet to resolve this matter. And the credit bureau have not investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Coinbase, 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:
My account at the Coinbase.com is compromised as someone stole my ID and password to access the account and sold most of my coins in the account. I believe the security system at the Coinbase.com is not sufficient to prevent the hacking of the account. as a result of hacking I am going to lose in excess of {$60000.00}. My account was accessed by the hacker on XXXX XXXX, 2021 and all transaction occurred on the same day without my knowledge or consent. I have no idea how the hacker got hold of the account information and password and was able to go through the 2 step verification system using my cell phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 without any influence and this is not a third party. TransUnion 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 XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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

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 2021-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2020-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
The accounts and inquires listed on my credit report I did not do.

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 2021-09-02
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: MD
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 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

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Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Filed for an income-driven repayment plan in XX/XX/XXXX. XXXX stated that I needed XXXX 's tax returns to complete my application for income verification. Prior year 's tax returns were not an option when filling out the application. They provided other options such as a pay-stubs, certified statement from employer, or proof of self-employment. I'm self-employed so any required forms from an employer are non-applicable. 

In XXXX I filed an extension for my income taxes which meant I wouldn't be filing until XXXX. I received an email on XX/XX/XXXX stating they were unable to process the income drive request form due to a lack of income verification I called and notified XXXX  that I wouldn't be filing until XX/XX/XXXX. They said they would accept XXXX 's tax return. I submitted the tax return and my income-driven repayment plan was accepted. The monthly payment was modified to {$0.00} retroactive of XX/XX/XXXX. I was notified via email by the credit bureau that I received seventeen 90-day late delinquency accounts posted by XXXX in XX/XX/XXXX. 

In XXXX, I called XXXX to remedy the situation. XXXX refused to remove the delinquencies from my credit report stating the items were reported accurately at the time. I informed them when submitting the application, there was only a field for XXXX 's taxes which I didn't have. It was the only thing missing from my application. The email sent on XX/XX/XXXX did list XXXX 's tax return as a method of income verification. It was not an option until I spoke to a representative.

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 2021-04-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
Filed for unemployment XXXX XX/XX/2020, never received confirmation or debit card, XXXX I received a tax form XXXX stating I needed to pay taxes on the funds EDD sent {$1800.00}. This was the first I realized the funds were stolen. Call EDD they said to contact Bank of America, got an appointment spent 3 hours calling from Bank, with bank representative to trying to resolve stolen money and create a fraud claim. Bank of America says it is an EDD issue, EDD says it is a Bank of America issue. nothing got resolved the bank was closed as we made our last call so I decided to leave.

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 2020-03-19
Company: Avadyne Health Holdings, Inc
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've submitted multiple times requesting debt validation from both H & R accounts as well as XXXX. XXXX  continues to respond as debt being verified despite multiple request and demands of debt validation. I've since received a investigation results mailer from XXXX  advising that I need to contact credit grantor to obtain proof of documents being requested. This is unethical as per the FCRA reporting company must provide proof and validation if requested. 

H & R account has sent over an Itemized statement that still does not verify or validate this alleged debt, it simply violates the HIPPA law as I've never signed a HIPPA release form at any of my medical facilities visited

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Upon reviewing my credit report I noticed that there was an item on my credit report that was being report inaccurately ; as a result, my credit score has been damaged due to the credit agency 's reporting error.

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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
duty pursuant to the FCRA, it is TRANSUNIONs to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting 2 inaccurate late payments for the XXXX XXXX XXXX XXXX  XXXX XXXX account ending in XXXX. These include a 30 day late payment posted in XX/XX/XXXX and a 60 day late payment posted in XX/XX/XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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 2023-09-14
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance Owed : {$3400.00} XXXX XXXX XXXX Balance Owed : {$3400.00} XXXX XXXX XXXX Balance Owed : {$870.00} XXXX XXXX XXXX Balance Owed : {$3200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-19
Company: FIRST CITIZENS BANCSHARES, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/2019 A while back, I lost my wallet. It fell from my opened purse. I attempted to cancel my bank card that same night, well before unauthorized withdrawals appeared on my account. However, the office was closed and the automated phone banking line, continued to tell me to call back during office hours. I called as immediately as someone became available. The card was cancelled and the fraud claim was made. It took them 2 months to reverse the charges ( {$200.00} from nearby gas stations ) and release my payrole check, that I trustingly deposited. And another month to reissue my card. A 3 month ordeal. My claim was denied. I was made to go and get a " police report ''. And even after that my claim was denied again! 
I had prepared myself with letters and names and addresses of bank upper management personnel to fight my case. But first I decided to take the matter to the branch manager. 
After a lengthy discussion which included a claim of discrimination, she said she would get all of the information to the correct person. And that there would be results forthcoming. I am a XXXX original customer. 
After that episode, an even more terrible action was taken against me. My business account that I had for 10 years was closed. My account became overdrawn due to overdraft fees. I have been buying XXXX  XXXX  on line and I noticed a charge that I didn't recognize at the time. I reported it to the bank. I never heard any information regarding the claim after that. I basically believed the bank would halt the overdraft fees till the investigation was completed. They did not. Nor was I ever notified of there decision. 
I eventually went back to the back and complained to XXXX XXXX. She called the fraud department and they told her that it was a cash back transaction using a chip and it was denied. This they never informed me of. When she mentioned cash back, I remembered that I was on my way to pay a mechanic. I told her that immediately on hearing it. However, even as I was making regular payments to the negative balance and only one day after the last payment that I made on the amount, my 15 yr. account that I had maintained with XXXX before it was taken over by first citizens, was closed. 
She told me to pay the remaining {$19.00} and my account could possibly be reopened, or another one. I put the money, ( {$20.00} ) in the night drop addressed to her. I have not heard back from her. 
Enclosures : 3 Thank you XXXX XXXX XXXX Aka XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I applied for a small personal loan today XX/XX/2020 because I was laid off of work and I need to pay off bills but I did not get approved because apparently there are accounts in negative standing appearing on my credit report. I was not aware of these accounts because I have always made sure to keep my credit history in good standing. I looked through my credit report and I found a total of eight accounts that do not belong to me. I have no idea who is responsible for opening all of these accounts in my name without my permission but I have already gone to file a police report. I did not benefit anything such as money, goods, services from any of these accounts nor am I affiliated to any of those companies in any way.

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 2020-03-19
Company: Orion Portfolio Services, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from a debt collection company called XXXX XXXX XXXX. The letter itself states I have thirty days to dispute or pay a debt of {$170.00}, failure to communicate with them in thirty days results in admittance of debt, and that this debt was obtained from a creditor named Orion Portfolio Services LLC. Orion Portfolio Services LLC states they formally held this debt from a company called XXXX XXXX XXXX. As for my actions, I notified a credit bureau to place a temporary fraud alert to protect my identity, and I notified this XXXX XXXX XXXX that I am disputing the debt. I lived in XXXX and utilized XXXX XXXX XXXX as my power company from XX/XX/XXXX-XX/XX/XXXX. I never had a delinquent account with them and I paid off my final bill in XX/XX/XXXX ( I moved from XXXX, XXXX  to XXXX  at the end of XX/XX/XXXX ). This is the first time in almost thirteen years I've been notified of any type of debt, and I believe that one or more of the above companies is incorrect and possibly " scamming '' me.

Company response to consumer: Closed with explanation