BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-24
Company: Winklevoss Exchange LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Gemini allowed my account to be funded despite it being under Pending Verification status. This status does not allow users to withdraw money in their Gemini accounts. This issue creates a somewhat Frozen account where the user is unable to withdraw funds but can somehow still add funds to make purchases. This feels highly illegal as you should not be able to add funds in the first place if your account is pending verification. I have tried contacting customer service so many times and I have received no answer yet in over a month. I have called the company as well and they re direct you to customer service. I am unable to access the funds in my account and need the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
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:
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so these matter can be handled swiftly. 
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 2022-10-12
Company: EQUIFAX, INC.
State: NY
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. What's going on there at the CFPB and to Equifax? This is so unbelievable! How can you guys let these multiple complaints pass? I know I have stated this again and again but I have submitted this complaint numerous times already and I have attached all the information and documents needed such as my DL, SSN, Proof of Address, the dispute letter I sent to the bureau, the FTC report which I filed on their website to prove that I'm an identity theft victim. What else do you guys want?! I also contacted the furnisher and they approve of DELETING the account from my file. PLEASE DO NOT IGNORE my request and DELETE the account which I do not own. 

XXXX XXXX  I XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: CITIBANK, N.A.
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have been trying to close my Citibank Priority Checking account since XXXX. There is XXXX cents in the account currently. I have called repeatedly asking Citibank to close the account and do what they will with the XXXX cents. I was told on XX/XX/XXXX that my account would be closed within 30 days. When I checked my account the 2nd week in XXXX I found that my account was still not closed. Upon calling Citibank back on XX/XX/XXXX, I was first hung up on. The second call I was transferred to 4 different people each one telling me that " this isn't my department. '' I was then informed that my account was blocked and that the only people who could unblock and then close my account are " in a back office '' and that " customers aren't allowed to speak to them. '' I was then told that I was given the wrong information and that closing my account could take at LEAST 60 days, but because this back office team does not speak with customers the Citibank representatives would not give me any sort of date. I just want my account closed and Citibank won't do it.

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 2023-10-09
Company: Experian Information Solutions Inc.
State: PR
Product: Credit reporting 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:
Experian can not verify an old account that is 10 years im my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Viva Finance Inc.
State: MO
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I was extended invitation. I applied. I was approved. I am unable to accept offer. Their website is not working! I keep asking for a call they will not call the site does not generate the code

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Please help me my family maybe left homesless. I am a victim of identity theft, I have submitted an FTC report and a Identity theft affidavit showing that the accounts listed aren't mine. These accounts are hurting me and my family badly. We are in the process of buying a house and are having so many problems with getting it because of these accounts. Please i have sent an FTC report and everything listed was not removed. My family can end up being homeless. What would you do if something like this was effecting your family in a negative way and you couldnt do anything about it. This is not fair I dont deserve for something to be on my account that is not mine.

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 2023-10-09
Company: Experian Information Solutions Inc.
State: TX
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 XXXX Accounts # - XXXX ( XXXX XXXX XXXX ) - XXXX ( XXXX XXXX XXXX ) - XXXX ( XXXX XXXX XXXX ), has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, 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:
I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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 have been battling with BofA for months. My entire wallet was stolen from my gym, XXXX XXXX XXXX, in XX/XX/XXXX. I reported this to the police and notified BofA requesting they close the account and lock both of my credit and debit card. However, my request fell through the cracks and the thief was about to make over {$3400.00} in debit and & XXXX in credit. I disputed all transactions from XXXX and the only transactions that were awarded in my favor were the credit card claim transactions. The financial institution is claiming that I or an authorized user made these purchases on my debit card, no one is authorized to use my debit card and my card was stolen, no longer in my possession after XX/XX/XXXX. There are identical purchases on both the BofA debit and credit card from the same email address yet, they are awarding the credit card claim and not the debit card claim. I have requested documents from these merchants and they are all online purchases from an XXXX XXXX ( Ive had an XXXX XXXX since XXXX ), the carrier service is XXXX XXXX XXXX ( I use XXXX ), my name is continuously spelled incorrectly on all purchasing orders, and the orders come from email addresses that do not belong to me. The email addresses are ; XXXX, XXXX and XXXX. BofA is failing and refusing to provide any information or logic behind their decision behind denying the debit card claim. The entire claim was paid for with my credit card and nothing has been paid with my debit card for over 6 months. The law states that : Under a XXXX federal rule called Regulation E, banks are required to make clients whole if their money is stolen from a consumer account through an electronic payment initiated by another person. The Consumer Financial Protection Bureau issued guidelines saying that the law covered all person-to-person online payments. The bureau clarified that all unauthorized online money transfers- meaning any payment initiated by someone other than the customer and done without the customer 's permission were the bank 's liability. This financial institution is not providing sufficient explanation and reasonable cause for their decisions, leaving me victimized by Identity theft. It would be reasonable, in light of my non-participation and lack of receipt of merchandise, that all money from said transactions during XXXX be resolved in the cardholders favor and credited back to my checking 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 monetary relief
Consumer complaint received 2023-05-29
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
1. Delete the entry from XXXX XXXXXXXX XXXX, ACCT # XXXX, which is reported as " charged off. '' 2. Delete the entry from XXXX  XXXX XXXX, ACCT # XXXX, which is reported as " charged off. '' 3. Delete the entry from XXXX XXXX XXXX, ACCT # XXXX, which is reported as " in collections. '' 4. Delete the entry from XXXX XXXX, ACCT # XXXX, which is reported as " in collections. '' 5. Delete the entry from XXXX XXXX, ACCT # XXXX, which is reported as " in collections. '' 6. Delete the entry from XXXX XXXX XXXX, ACCT # XXXX, which is reported as " in collections. '' 7. Delete the entry from XXXX, ACCT # XXXX, which is reported as " charged off. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. What's going on there at the CFPB and to Transunion? This is so unbelievable! How can you guys let these multiple complaints pass? I know I have stated this again and again but I have submitted this complaint numerous times already and I have attached all the information and documents needed such as my DL, SSN, Proof of Address, the dispute letter I sent to the bureau, the FTC report which I filed on their website to prove that I'm an identity theft victim. What else do you guys want?! I also contacted the furnisher and they approve of DELETING the account from my file. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. I asked them why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why. PLEASE DO NOT IGNORE my request and DELETE the accounts which I do not own. 

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 2023-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Last year, some month in 2022, the company that I work ( XXXX XXXX  XXXX, did not make an automatic deposit to my checking account in Bank of America. 

I explained that it was an error on the companys part and that it would take another two weeks for the company to pay. In the meantime, I had automatic deductions that were coming so I informed because I didnt want to incur overdraft charges. 

The banks representative said that I still would incur charges and that I should get proof from my company of the error on their part. I received a check voucher indicating the past earnings not received and submitted to BOA. BOA credit me for some of the charges. 

Also, there have been times where the bank would pay transactions over the amount of the funds available but at other times BOA would decline and fees would be charged regardless. 

There was never any type of disclosure mentioned or written that would indicate how it would be determined to pay or not to pay then assess fees. 

I do apologize for not being able to provide specific dates and times. I did not think to acquire paperwork at that time. 

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 monetary relief
Consumer complaint received 2023-06-10
Company: Linebarger Goggan Blair & Sampson LLP
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2023 I was driving on XXXX XXXX XXXX while the vendor ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX was conducting some repairs around toll booths at the location. My transponder did not work properly there, either because of vendor construction work or because transponder battery expired. I ordered a new transponder and returned an old one as XXXX as required by service agreement. 

On XX/XX/2023 I received a notice from XXXX XXXX requiring payment of said tolls plus excessive administrative fees and dispute resolution form. I filled the form indicating my XXXX account number. I considered the matter resolved as I was diligent customer of XXXX for decades. However, vendor ignored my request and send me another bill with even larger administrative fees and threats of legal action. 
The notice number they sent is XXXX. My XXXX account number is XXXX. 

Despite having an XXXX transponder and vendor policy of charging fees in such case to my existing account, I have been charged exorbitant fees for using XXXX toll roads. I did pay the amount requested of {$55.00} to stop accrual of fees, but have contacted the vendor and informed them of this issue, and requested refund, but they initially have ignored my dispute form request and continued to over-bill me with additional fees. I have also received threatening legal action if I fail to pay these charges, which is unacceptable. 

After my multiple complaints to XXXX  state authorities the vendor did refund the fees of {$55.00} on XX/XX/2023, therefore I considered the matter resolved. However, it turned out that vendor decided to turn the case to the bill collector ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX ) to collect {$200.00} (! ) for the resolved matter. I consider this a blatant violation of FDCPA in order to continue to harass me for the debt I never owned and violate federal consumer laws for corporate enrichment. 

I am very disappointed with the vendor 's illegal action in resolving this matter. I have tried to resolve this issue amicably, but it seems that my concerns have fallen on deaf ears. 

Thank you for your time and attention to this matter. 

VENDOR : XXXX XXXXXXXX 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 2023-07-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My information was stolen and this account was opened in my name without my permission. They presented both fraudulent and stolen documents to open this account without my consent. Please properly remove this debt from my account, it should NOT be listed as a " charged off collection '' because it never belonged to me.

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 2023-08-03
Company: EQUIFAX, 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:
XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$1800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$15000.00} XXXX  XXXX Balance : {$1800.00} XXXXXXXX XXXX  XXXX Balance : {$4500.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX XXXX : {$1000.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$71.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) , the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-25
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I entered a consumer credit transaction with SANTANDER and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which my insurance was not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that SANTANDER claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. SANTANDER has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: PA
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:
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.

Company response to consumer: Closed with explanation