BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 2020-04-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
COVID-19 ( temporary lack of income ) crisis problem!! - I called Bank of America twice since XX/XX/XXXX, about payment options moving forward the COVID crisis, I had read about payment help and I requested a 90 day " DEFERMENT '' but I was told BOA is only offering a " forbearance '' for my " type of Fannie Mae mortgage but that BOA can " defer '' their own mortgages? Say what? I am sorry with the crisis going on to be told that by major bank IS totally wrong and it is ABSURD and lopsided! Why are all others, plus Fannie Mae mortgages not also included to have a deferment option? People like myself will not be able to later on pay a " balloon payment '' of the 3 last months, the banks are expecting " forbearances '' to be paid back in full at the end of the 90 days period, and paying for the mortgage during the crisis with no income IS the SOLE reason WHY many are requesting a " deferment '' in the first place. There needs be a DEFERMENT offered to ALL types of mortgages and no matter who owns these loans. We would with logic expect the 90 day amount just be added onto the balance and tacked onto end of the loan, adding 90 days, which makes it a DEFERRED loan. Bank of America told me 2 stories differing from week to week and no one would state verbally they would not ask borrowers from having to make the balloon payment ( of past 90 days ) after forbearance ended.. No one would say it, when I directly asked it. I was told maybe, they are not sure. Who can operate under that kind of information which is adding even more financial stress to an already bad situation?! Bank of America will not and has not made any promises that after 90 days they would not expect the balloon payment AND that a " deferment '' that should be offered to all customers at least for for 90 days will not be given unless your mortgage is a BOA owned loan? People like myself are not to be taking gambles here just to find out down the road that the banks did not truly " help '' customers financially in this sad time in the USA.

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 2021-03-04
Company: Experian Information Solutions 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:
On XX/XX/2019, Experian added a derogatory remark ( XXXX XXXX XXXX ) on my credit report. Upon, further research, this account was transferred/sold and Im no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA ( XXXX XXXX XXXX ) has violated my rights as a consumer and Im requesting legal action to remove this account immediately!

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 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
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
Consumer complaint received 2021-03-04
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Today I reviewing my credit report and wanted dispute a negative report and one the drop down options to dispute it was because CODVIC. I agree it we need for help. Why extra help in only for CODVIC. I loss my home because illness of XXXX XXXX when the Bank nor HUD help me find a place I still homeless and place in Forecloser and XXXX XXXX force themselves in my home when they was not supposed to the and within XXXX still reporting for loss to resigned from my job to care for myself and had fight for my United States Social Security Tax or Insurance that I was not approved until XXXX still homeless and told be the XXXX XXXX New Jersey XXXX XXXX Welfare that I have to work before they help me. During this time XXXX loss my house denied benefit and claims from XXXX, XXXX and XXXX XXXX. I work for 16 years and try to prepare for this time now I have nothing. I woman who worked for XXXX and they denied to help me and work all my life in State of New Jersey were they did not help just keep being denied and I been used as test patient in care and programs. The State of New Jersey did not pay me for the XXXX Furlough nor did they pay me why I XXXX  Disable or Unemployment insurance. Were is the help when you have to fight for your life and health. Now I'm face with not being to rent in Hud Apartment or Affordable Housing because the resource not there and people are still misreporting items on credit report. My credit is low

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 2021-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 LOOKING AT MY CREDIT REPORT AND I HAVE A LOT OF FRAUDULENT ACCOUNTS. ALONG WITH FRAUDULENT INQUIRIES. THESE ACCOUNT ARE CAUSING ME A LOT OF EMOTIONAL DISTRESS FOR MY FAMILY AND ME. HOW CAN I PROGRESS AND DO WHAT I NEED TO DO WHEN THE BUREUAS ALLOW THESE FRAUDUENT ACCOUNTS ON MY CREDIT PROFILE. There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

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 2020-04-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, my name is XXXX and I was scammed majorly. I was first asked to contact Consumer Financial Protection Bureau ( CFPB ) which I did yesterday XX/XX/2020 and your department told me to contact the State of CT Department of Banking which I did XX/XX/2020, now they are telling me to contact you again. I need someones help to resolve this matter I was offered an opportunity to advertise for XXXX XXXX and was provided a check, which I deposited into my account. Unfortunately, my bank ( Bank of America ) let the check clear right away and I withdrew money. The check ended up being counterfeit and I am now {$2100.00} in debt due to this fraud. I have an open case with the fraud department with the bank and with local police department. I have called my bank numerous times to stop all transactions from withdrawals to deposits. The bank put a freeze on my account, but they are still allowing deposits to go in without my permission. After telling the bank over and over that this account has been defrauded, they are still allowing monies to go into the account. I cant understand how a bank can allow any activity with a defrauded account. I have tried to stop this, but they continue to let money in the account. I have lost my paycheck for the week and I am so trying to save my stimulus check. Unfortunately, no one is available to assist me with changing my account with the IRS due to their overload and my bank will keep the stimulus check which I need terribly at this time. I don't know who else to reach out to, to help me resolve this. I work in health care and my hours are lowered due to COVID 19. I am desperate to stop the bank from taking my check because I need it to survive  at this time.

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 2021-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
As of XX/XX/2020, I have sent monthly letters to XXXX  XXXX asking them to provide that those accounts are indeed mine. All letters are attached to this complaint. I have not received anything from that XXXX  XXXX to justify their collecting attempts and reporting it on all three credit bureaus. Where in their comments on my credit report they stated " meets FCRA 611 ( 15 U.S.C. 1681I ) requirements ''. I sent out letters pertaining to these account they are reporting to the credit bureaus and in no WAY are they are " MEETING FCRA REQUIREMENTS ''. I asked for verification and I have received nothing. Per FCRA requirements, if I am not supplied with the evidence after 30 days THOSE ITEMS WILL BE DELETED FROM ALL THREE CREDIT BURUREAS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
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 the several times I've complained about being a victim of identity theft. You must remove/block any account that was 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 information relating to any transaction by the consumer.Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service , or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but TransUnion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially, and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). 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 this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-04
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello, I contacted ( cryptocurrency exchange ) XXXX 's support about a potential attempt to compromise my account. Basically, I received a text at my business account with an authorization code for a coinbase account. This number was not associated in any way with my personal coinbase account, but I feared it might be an elaborate hacking attempt. Over a week later coinbase locked me out of my own account, claiming that they were helping to protect my funds. 

I have been locked out of my account ever since and have made several attempts to regain control. I altered my password, according to their suggestion and sent an email requesting re-access, to no avail. 

I have made several attempts to contact XXXX  support but am being perpetually ignored. I have written several emails, posted on their XXXX page, commented on their XXXX, messaged then directly on multiple social media platforms. I have never gotten a single response or even viewed message from their team. 

They are essentially holding {$2000.00} of my digital assets hostage, without any timeline or plan or information regarding a safe return. 

Additionally, there are hundreds, if not thousands of customers to whom they are doing the same exact thing. This should be considered XXXX. 

XXXX is actively allowed to profit off of the coins that they hold custodially. Meanwhile the customers who they claim to be working for are having no access to their legally entitled funds. The amount of damage that they are causing to people 's lives every day is immeasurable. I implore you to help me and consumers like me in getting this issue resolved. And not just on a case by case basis, but permanently. This is a disgusting miscarriage of justice that has been probably carried on for at least 3 years. 

The evidence for XXXX and their tendencies to abandon customers and seize funds without just cause or legal grounds is staggering. It is absolutely disgusting that they could even be considered for a public offering right now. If allowed to continue, this approval would be led strictly by greed and not reason.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX XXXXXXXX Balance Owed : {$870.00}

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 2023-06-29
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I bank with Chime.com. A couple months ago they put my account under review because of an accidental over transfer. I was trying to move my savings from another bank to chime because they have a better APY. They froze me out of my account and put it under review asking for source of income, ID and address verification. I provided all of those. They would say it will be 4 hours and then it would take days to get back to me. It was a long hard journey to get that access reinstated.

Now mere couple months after that verification, today I wake up to a 1am email notifying that my account is closed with no heads up and no information on which of their policies were violated. I called the support number and reached out to email and I get directed to the links with no in person support on which item caused this situation. On top of that, they somehow always manage to do this days before rent is due. The sheer abrupt behavior of this bank is alarming.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-03
Company: Atlanticus Services Corporation
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
XXXX from Fortiva made a collections phone call when I was 6 days past due on one payment from this phone number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
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:
Please these accounts don't belong to me. Please help Im not smart enough to talk to these people they scare me. 
XXXX XXXX Reported : XX/XX/XXXX + {$950.00} Closed XXXX/XXXX Reported : XX/XX/XXXX + {$0.00} Closed OTHER LOANS XXXX/XXXX Reported : XX/XX/XXXX + {$0.00} Closed XXXX/XXXX  Reported : XX/XX/XXXX + {$0.00} Closed STUDENT LOANS XXXX XXXX XXXX   Reported : XX/XX/XXXX + {$1800.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX + {$1800.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX + {$1800.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX Reported : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX + {$0.00} Closed Hide closed ( 4 ) Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your Equifax report.

XXXX/XXXX Inquiry : XX/XX/XXXX + National Credit Card Cos.

( XXXX ) XXXX XXXX  Inquiry : XX/XX/XXXX + Telephone Companies ( XXXX ) XXXX Collections If you've fallen behind on payments, your account could be sent to a collections agency. This can have a big impact on your credit score.

XXXX XXXX XXXX   Reported : XX/XX/XXXX + {$1000.00} Needs Attention XXXX XXXX , XXXX  Reported : XX/XX/XXXX + {$1500.00} Needs Attention XXXX XXXX Reported : XX/XX/XXXX + {$860.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX + {$100.00} Needs Attention XXXX XXXX XXXX, XXXX Reported : XX/XX/XXXX + {$190.00} Needs Attention XXXX XXXX XXXX   Reported : XX/XX/XXXX + {$440.00} Needs Attention XXXX XXXX XXXX XXXX {$1800.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX {$1800.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX   {$1800.00} - - Installment Negative XX/XX/XXXX You have 5 Closed Accounts Account Name Balance Credit Limit Usage Type Status Opened On XXXX/XXXX/XXXX XXXX   {$950.00} {$600.00} 158 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX - - - Installment Paid XX/XX/XXXX XXXX XXXX XXXX XXXX - - - Installment Paid XX/XX/XXXX XXXX/XXXX  XXXX {$0.00} {$400.00} 0 % Revolving Negative XX/XX/XXXX XXXX/XXXX XXXX XXXX - - - Installment Paid XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief