BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-12
Company: U.S. BANCORP
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/2022 I, a consumer and natural person, was denied credit by U.S. Bank when I applied for Application Number XXXX. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is subject to civil liability under 15 U.S.C 1692k. You are subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by U.S. Bank due to the response I received. U.S. Bank is in violation of 15 U.S.C 1642, U.S.C 1681m and 12 CFR 1002 because I the consumer made an application in good faith, but credit WAS NOT issued. Also my social security number ( credit card ) was used and I received NO benefit. This constitutes fraudulent activity ( unauthorized use of credit card ) on behalf of U.S. Bank according to law.

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 2023-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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 had my purse stolen with all my personal info, that i beleave was used to open up some of these accts and also placed a large amount of hard inquires on my report. I have been trying to get this address for a couple years now i have contacted all 3 credit companies and the other party, I have spent XXXX of dollars in certified mail send letters to both parties to be back at square one and nothing is being down. I also reported a car being stolen and having my personal thinks inside durning a move. I been suffer from idenity issuses since i was younger with a friend of the family was using my name ate a younger child age. Im now at a stand still stuck with all this stuff on my report and still no answers on how to fix them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 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. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Balance : {$2700.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Balance : {$21000.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$250.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2023-01-10
Company: AFNI INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collections company, Afni, is attempting to collect a debt from me on behalf of XXXX XXXX XXXX. I was never contacted by XXXX XXXX XXXX directly. They are saying I owe {$1600.00}. Apparently sometime back in 2021 this occurred. I had also had this issue with XXXX, and it was discovered my identity was stolen including my social security number. XXXX closed my case after their internal investigation. I have not been able to speak with anyone from XXXX XXXX XXXX since they referred this to a debt collector and after speaking with Afni the debt collector, they told me XXXX XXXX XXXX doesn't recognize any identity theft and that I still owe the money. How do I get any resolution with XXXX XXXX XXXX if they won't speak with me one on one?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
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 T XXXX this isn't 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 719transunion has me at a score around 590. 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 XXXX 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 XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX 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 im XXXX now.

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 2022-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
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:
Bank of America Alaska Credit Card. 
On XX/XX/2022 texted re possible fraud {$5100.00}. Fraud claim started. Received letter dated XXXX stating " good news your claim has been resolved ''. On XXXX I received email notice that I owed XXXX. At that point I cancelled auto payment from my credit union. On XXXX that amount was deducted from my credit union account even though I had cancelled authorization. I had to file a claim with my credit union and several days later a credit was issued. In the meantime I had to transfer funds from savings into checking to avoid overdrafts. Luckily I had the funds. Some people would have been in dire straights. On XXXX I received email notice indicating XXXX credit. The following day I received another email notice saying I owed XXXX. I have called B of A countless times about this. I have been on hold and have been tossed from one dept to another countless times. Today while talking to the claims dept I was told there was no letter saying the claim was resolved and the claim was still open despite the fact I was staring at a physical letter saying the opposite.The ineptitude of Bof A is frightening. The fact that they could erroneously report to the credit bureaus is also frightening. I just hung up from 1.5 hrs on the phone. B of A assures me the matter will be remedied. Obviously I do not trust them. They say they are sending me a check that I have to deposit into my credit union account. My time is valuable as is everyone 's This situation has wasted so much of my time and has caused me a lot of stress and anxiety. Regardless if it's remedied or not B of A needs to held accountable for their mistreatment of consumers. Thank you.

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 2022-07-23
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the 3 credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting these accounts and inaccurate information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. The items are listed below : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX ( Original Creditor : XXXX XXXX CO ) XXXX Balance : {$350.00} XXXX XXXX XXXX ACCOUNTS ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$580.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-27
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I, as a consumer, did not receive the service that was promised or described by the Coinbase , Inc . I tracked the downstream wallet, which was reported several times for fraud, and Coinbase ignored the problems and didn't do anything to investigate or close the fraud wallet. Instead, Coinbase locked my account without any explanation. Coinbase has a big loophole that makes easy for the scammer to do money laundering and allows scam sites to steal my money to their platform. Such merchant was contributed to fraudulent practices and did not have any safety precautions in place to protect myself and others from this happening. Therefore, the fraud transaction should be investigated and refunded from Coinbase. I was not knowing the scam was happening so the transaction was not authorized. There is no alert from the bank systems that scammers ' bank accounts have problems. There is no alert from the bank I transferred from with such huge amounts to a stranger 's bank account. 

I met two guys from a dating app that convinced me that using Coinbase would be a great way for buying cyrptocurrency. I trusted their judgement, which led to me being scammed through the Coinbase platform. Attached is the timeline with the scammer 's name. 

Timeline : XX/XX/XXXX Downloaded Coin base XX/XX/XXXX Downloaded XXXX XXXX ( Linked to XXXX XXXX ) XXXX ETH purchased {$1900.00} using XXXX XXXX XXXX  Transfer. ( Coinbase fee XXXX ) ( Scammer-XXXX  ) Sent XXXX ETH to fraudulent Wallet ( XXXX ) XX/XX/XXXX XXXX ETH purchased {$1000.00} using XXXX transfer. ( Coinbase fee {$38.00} ) ; ( Scammer-XXXX  ) Sent XXXX ETH to fraudulent Wallet ( XXXX ) XX/XX/XXXX Wire Transfer {$50000.00} from XXXX  XXXX to XXXX XXXX  XXXX ETH purchased {$50000.00} ( Coinbase fee {$730.00} ) from wire transfer ( Scammer-XXXX  ) '' Sent XXXX ETH ( {$50000.00} ) to fraudulent Wallet ( XXXX ) '' XXXX ETH purchased {$51000.00} from Wire Transfer via XXXX XXXX. ( Coinbase Fee {$760.00} ). 
( Scammer-XXXX  ) XXXX ETH sent to fraudulent wallet ( XXXX ). 
XX/XX/XXXX XXXX ETH purchased {$5000.00} from XXXX XXXX XXXX  Transfer. ( Coinbase fee {$73.00} ). 
XX/XX/XXXX Wire Transfer {$10000.00} from XXXX  XXXX to Coinbase 's bank XXXX XXXX XXXX  XXXX ETH purchased {$9900.00}. ( Coinbase fee {$140.00} ). 
XXXX XXXX XXXX XXXX XXXX ETH to fraudulent wallet ( XXXX ). 
XXXX ETH purchased {$5000.00} using XXXX XXXX XXXX  Transfer. ( Coinbase fee {$73.00} ).

XX/XX/XXXX Created Case with Coinbase Support Case # XXXX Withdraw from fraudulent website unsuccessful from XXXX XXXX. 
No updates from Coinbase since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Braviant Holdings, LLC
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I borrowed XXXX dollars from the lender I was making my installment payments when I did fall behind on then I was laid off due to the Covid 19. They sent me an email on XX/XX/XXXX stating that they were offering 50 % off so I contacted them and I was informed that the offer was only good until XX/XX/XXXX which I didn't see that on the e mail. I did inform them that I was unemployment and I was only receiving unemployment. He offered me {$1200.00} to be paid within 60 days. I looked at the rate they were charging me which is 279.99 %.. Which I will attach a screenshot of my payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 explanation
Consumer complaint received 2023-08-31
Company: SANTANDER HOLDINGS USA, INC.
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
I opened a business line of credit with Santander Bank for $ XXXX in XX/XX/2019. During the pandemic, they decided they wanted the loan paid in full. I never received this notification, but even if I did, I would not have been able to come up with all that money. My business was severely affected during the pandemic. I even contacted them during, to find out what programs they had available just in case I couldnt make payments. They automatically withdrew monthly payments & there was over $ XXXX from which they would take. I got a call from XXXX XXXX who was working out an extension, refinancing of the loan. Next thing I know, they had me in court & refused to accept any agreement for a repayment plan. They have been aggressive & unreasonable during the entire ordeal. They have now secured a judgment against my company which will permanently close my business. At no time did I say Im not repaying the loan. I just wanted a repayment plan & once I can get another loan I would pay the full. They asked me for financial information to determine a payment plan, but was never interested in that. They were bent on destroying my company. My company is the sole provider for my family & we will be severely impacted

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 2023-11-22
Company: Experian Information Solutions Inc.
State: MD
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-08-27
Company: ERC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: Yamaha Motor Finance Corporation USA
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:
Hello, my name is XXXX XXXX and I am having issue 's with getting some fraudulent accounts off of my credit. My last Complaint ID was XXXX. One of the accounts reached back to me to forward them documents to prove that the account was indeed fraudulent. I have recieved notice of them getting the information. I've attached the documents below and I have sent them evrything they have asked for. I haven't seen any change in my report or have i heard back sense. This has been a very hard process of dealing with identity theft but, i know with the help of you guys something will be done. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: FL
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-04-23
Company: EQUIFAX, INC.
State: NJ
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/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: Synovus Bank
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This isnt my XXXX t Ive never authorize or consent with wet ink everything was done digital which is negligence by your company lack of security made my ssn vulnerable.

Company response to consumer: Closed with explanation