BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-29
Company: Circle Internet Financial
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XXXX XXXX I did a login to www.poloniex.com ( Poloniex XXXX, XXXX, MA, USA with NMLS ID : XXXX ) I got a 2FA code to my registered email and was successfull in my " Dashboard ''. 
My bank account from Poloniex got XXXX confirmed last year. 

I started to payout XXXX Ethereum ( ETH ) and XXXX Bitcoin ( BTC ), which was XXXX ( XMR ) before I exchanged those coins to BTC. 

Both, ETH and XMR were selfmined with my private computers and for a wallet address to store those coins I was using the service of Poloniex LLC. 
On XXXX XX/XX/2019 ( XXXX CET ) I got a message, that for security reasons my transactions are canceled. 
I have to log in from a known ip address. 
I can not serve this option, while my ip address will change from time to time ( dynamic IP from my local ISP ). 
Then they answered after hours I have to login to the App. I refused this and was not happy, but anyways I tried it with the App while it was already installed since last use of Poloniex. 
Suddenly my account was downgraded to unconfirmed, without any reason. 
I have to KYC verify again. I have no more view of my login, coins, wallets or anything In some days on XXXX XXXX Poloniex is leaving the US markets with a new founded company in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received notice that my credit score had dropped due to a collection account in XX/XX/XXXX. I logged into XXXX  and found a collections account for XXXX XXXX XXXX for {$5800.00}. I originally thought this debt was not mine and submitted a complaint that I did not owe this. XXXX  agreed with me and removed the debt from my report. 

In XX/XX/XXXX it popped up again with an new collection company Enhanced Recovery Co. I disputed this again. Except this time they sided with the collection agency and said I owed it. I did some research and found it was a collection from XXXX for an unpaid bill. This was news to me because my XXXX bill was paid in full monthly and I never missed a payment. 

I found that the account in question was a closed account with XXXX when I updated my last phone. XXXX started a new account and closed the previous one out. 

In XX/XX/XXXX someone had ordered 4 XXXX XXXX, a XXXX XXXX XXXX, and a XXXX watch under the old account number associated with me. I never received a bill or notice this had happened until it went to collections. Now I have been fighting to get it removed my credit report. 

In XX/XX/XXXX I called XXXX to have the debt disputed. They agreed over the phone this is not my debt and my current account is in good standing. I submitted a fraud dispute on their online dispute center and never heard back. 

In XX/XX/XXXX I called XXXX  to question the last result to not remove the debt. They filled a fraud dispute and told me to file a complaint with the FTC. 

I have attached the bill of the account that was fraudulently used to purchase the equipment in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: TrueAccord Corp.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received emails from TrueAccord Corporation starting on XX/XX/2019 thru XX/XX/2019 about an alleged credit card debt owed that they wanted me to pay. My reply to these emails received were letters I sent to TrueAccord Corporation from XX/XX/19 thru XX/XX/19 asking them to please document and verify the alleged debt. Each letter sent included a request for A front and back, true and correct copy of the alleged signed agreement bearing my signature. This is for full and complete disclosure, which is required to demonstrate validity under globally accepted contract law. TrueAccord Corporation response to my request was to send me account summary documents and more emails  requesting I pay the alleged debt. I never received verification of this alleged debt. Would you please investigate this? 

Disbuting the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: EQUIFAX, INC.
State: MD
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 XXXX credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting these items 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. 
XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX PL XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5100.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$5100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 previously submitted a complaint addressed to the Credit Bureaus requesting that the Credit Bureaus correct and or remove the disputed accounts from my Credit File. I submitted a letter to the 3 Credit Bureaus last XX/XX/2022, to update this suspicious information that are still being reported on my Credit File despite my multiple attempts to dispute these information. I think that the Credit Bureaus 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 once the Credit Bureaus do not comply with my requests in accordance with the FCRA regulation. This was already included in my prior COMPLAINTS, and I'm including it again. Under the FCRA, please investigate the following accounts : XXXX XXXX Balance : {$3400.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$9400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} 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 2021-01-08
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: Investigation took more than 30 days

Complaint:
I have inquiries I didnt authorized on my credit report and I want them remove, I dont know how it is possible that some company can check the report without people authorization.

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 2020-08-03
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was settled and paid as agreed with debt collector.

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 2020-10-20
Company: REGIONS FINANCIAL CORPORATION
State: TX
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 became aware by checking my bank statement. I did not make these particular charges. I am unable to contact XXXX to dispute or access on line account to provide billing information as requested by Regions due to Covid. When I became aware I tried to contact XXXX and was # XXXX on hold and since then havent been able to contact anyone. They have on line help from a Robot and it doesnt help me with my concern. Regions Bank told me since I purchased the package before then they cant refund my money. I advise them I did purchase the XXXX package only once and that was for my son 's birthday. He is XXXX and XXXX  XXXX, so I have to make all transactions. In addition, a two party authorization is set up and required before the purchase and you get an email afterwards ( neither of which I received ). My card was compromised and that is why I filed a claim and closed that card out. I have been speaking with Regions for months and all I am being told is they will file complaint with their Complaint Dept. With COVID and my relatives being misplaced due to Hurricane Laura there is no way I can afford not to get my money back for services I DID NOT use. I also filed a police report with XXXX XXXX Sheriffs dept. 
XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/202 XXXX XXXX XX/XX/2020 XXXX all with same transaction id of 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 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

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

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: HYUNDAI CAPITAL AMERICA
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I want out of my loan my car was stolen twice due to the lack of engineering of Kia and I have paid so much out of pocket and still trying to pay my loan to current. I also have a house hold to take care of and want out of my loan. I have called Kia and told them this matter and they offer no help at all

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 2022-08-07
Company: FC HoldCo LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Today I received notification that Flagship reported my car note incorrectly on my Credit Bureaus. I have documentation showing that they have placed the payment on the back end of the loan. I was not aware that they would try to report this as a late on my credit report therefore the reporting is inaccurate. I have attached the signed letter of having the payments put on the back end of the loan. This has caused my credit score to decrease severely.

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 2021-09-04
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Address ID # XXXX is not my present address nor is it my previous address i have requested that experian delete XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Address ID # XXXX from my credit report but XXXX  is adamant on violating my rights under the FCRA guidelines by refusal to delete this address even after numerous requests to have it deleted. attached is my credit report with demonstrating evidence

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 2017-03-04
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
THIS COLLECTION AGENCY IS CONTINUING TO TRY TO COLLECT ON A DEBT THAT WAS DISCHARGED/WRITTEN OFF IN XX/XX/2007. I HAVE NEVER CONSENTED TO THE AMOUNT OWED NOR WAS I GIVEN AN OPPORTUNITY TO DISPUTE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Experian Information Solutions Inc.
State: MS
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:
Regardless of the multiple written requests, the public records, inquiries and inaccurate personal information listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with ( EXPERIAN, XXXX, XXXX ), they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/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

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 2021-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Trans-union refuses to properly investigate unauthorized inquires that i did not do after several attempts of sending letters and phone calls they refused to investigate according to the FCRA they have 30 days to respond also according to FCRA anything unverified or inaccurate it must be deleted. 


Unauthorized inquires XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX  XXXX XXXX XX/XX/2021

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 2019-02-06
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my annual credit report that I get free and noticed a company called XXXX on the report. This was around XXXX of 2018. I sent a letter certified to XXXX at their location in XXXX, Fl that was on my credit report. I asked for verification of the debt as the company they had listed I had never done any business with nor owed any debt to. I asked them to send me details such as a contract, invoice, statements sent and any verification the company took to verify and the person 's identity as I am sure this is not my debt. I received a letter back about a month later stating they had verified the debt is valid and then they started to send me invoices and statements. They never sent me any proof other than they deem the debt valid with nothing of substance. 

On XX/XX/XXXX I sent yet another certified letter demanding proof they had the right person. I asked for a contract showing they had the right to collect the debt on the company they are portraying to be collecting on behalf of and if they have rights to collect in my state. I also asked yet again for any proof that the debt is valid. 

Contract or Agreement of the debt identification used to verify said persons identity anything showing the debt is valid and belongs to me and not someone else

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 2023-07-27
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:
UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX OTHER NAMES LISTED DO NOT BELONG TO ME XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX OTHER ADDRESSES THAT DON'T BELONG TO ME : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXXXXXX XXXXXXXX  GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ACCOUNTS THAT DO NOT BELONG TO ME : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX- XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, EMPLOYERS THAT DON'T BELONG TO ME : 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 2020-07-23
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: Investigation took more than 30 days

Complaint:
On XX/XX/2020, I gave a formal complaint of inaccurate information on my credit report. 30 days later to the date, I have not received any responses from the credit bureaus. Under federal law, they have 30 days to complete my investigation.

Company response to consumer: Closed with explanation