BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-21
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:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT

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 2019-05-16
Company: ERC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed XXXX a cell phone bill for {$540.00}. I paid the collection agency Enhanced Recovery Co LLC in XXXX FL. I paid the debt in full before the due dates for payment. I was told that with in 30 days they will update as paid in full to the credit reporting agencies. As of the date of this complaint they have yet again verified the debt and are not showing it as paid in full. After I yet again disputed the debt on XX/XX/2019. This debt has been paid in full since XXXX XXXX a full 90 days from the time I paid and they are still validating the debt. I called and asked them to stop validating as it goes against debt collection practices. They only want to argue and refused to remedy the problems. I can submit bank records to prove the debt was indeed paid. As you see on both bank statements ERC from Florida is the collection agency I paid off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: HUNTINGTON NATIONAL BANK, THE
State: WA
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, HUNTINGTON NATL BANK add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, XXXX XXXX add a hard inquiry on my credit report per XXXX XXXX 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This is not mine..please remove 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 2019-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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 have no knowledge of the following inquiry Capital One Auto FinanceXX/XX/2019. Please investigate to ensure there is no fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I am an unhappy member as well as investor of Coinbase.com. 
I was being scammed out of a {$17.00} charge. Since all my other transfers were free or cost a matter of cents, I thought that I was reading the transfer incorrectly. Suddenly the charge by a Miner ( which I had no idea even took place, as there is nothing about Miner Assisted Transfer Charges  disclosed on Coinbase main site ). I thought I am being scammed!, what do I do?. Frantically I searched the site, and found that I could only temporary block my account, this was the only recourse. Well, the charge went through, I was blocked out of my own account with Coinbase. After sending many, many, many emails, just coming up past 1 month now, I am still barred. 

I have sent direct emails, however soon after, the emails were not received, even a message saying customer service would not respond? I was kind, then a little mad, then back to being kind, in my communication. Nothing! Not a robot, nor human has made effort to contact me. I watched the recent purchase of funds actually go through my linked bank account, weeks later, after I issued a buy. It felt powerless, to see them take funds, that I had agreed on. I felt gullible, and am still unable to validate as to whether the funds are where they are proported to be [ in my wallet on the Coinbase Site ]. 

There was roughly {$550.00} USD. I had earned a little money in fact, at the time. I was planning on transferring when I had earned, prior to any dip. I actually foresaw the impending crash, just watching the news, and seeing other crypto currency wars taking place. I studied the markets for a good few weeks, prior to investing. I awaiting authentication, patiently. The process of ID validation took around a month. 

I had access to the account for less than two weeks. I lost money now, if the funds are even still there in Coinbase.com? My $ 500-550 is now down to 400 or less. The market did rebound. I woul like to transfer my funds out of Coinbase. I still have faith in crypto as a future investment, however the restrictions with trades make it hard to actually make a profit. I have now taken the long term approach to this short term volitilte process against my own better judgement or choice. 

I did not realize that this type of manipulation of the markets was indeed taking place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was awarded future Mortgage payment for next 12 months from DEO HAF program. 

Received award letter on XXXX, XXXX. 

XX/XX/XXXX uploaded my HAF Award letter to Rocket Mortgage portal. 

XX/XX/XXXX, XXXX and XX/XX/XXXX - I called and asked them status of payments from HAF program! Which they sent out XXXX XXXX. 

Rocket Mortgage Represantatives keep telling me there are NO payments from HAF program untill today! They asking me about date and check numbers from HAF sent to them?, ( I dont have any specific answers Rocket Mortgage requisting from me since HAF couldnt provide any information ). Also keep telling me to call DEO HAF about the check number and date they sent?! 

I was told Rocket Mortgage about exactly HAF told me which were They sent out the checks on XXXX XXXX. 
Its been 12 days since HAF sent funds to Rocket Mortgage but Rocket Mortgage has NO Answers, No funds, No answers for me. Its been very frustrating that No one has any answers for my fund. 
DEO Haf told me that Checks sent out XXXX, But Rocket Mortgage claiming they have not received any funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
on XX/XX/2020 {$2500.00} and {$120.00} Were taken from my account I just notice this transactions went to the bank to get some information about this Legal order fees, I had nothing pending or any court case open, I just asked for any court document or sentence they have to made this payment release and they showed nothing to me and I was never contact about this situation before?

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 2019-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2021-03-25
Company: Advanced Collection Bureau, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
When calling the agency reporting on my credit I spoke to a rude man. He would yell over me and would not give me direct answers. He kept using tactics as go to a hospital and dont pay thats great. I advised him of a XXXX and XXXX I had but the debt has been paid. I wanted to verify what this was from. Instead of giving me the information he insisted they already gave me a discount and pay my bills. He was rude and threatening. I ask to speak to his manager and he stated there was no manager and would not allow me to speak with someone else. I later called and spoke to his manager. I gave my complaint about the employee but he insisted with the same behavior and tone. I felt as they were harassing me over the phone. They used terms like we gave you XXXX of dollars off I had the treatment done and pay the bill. Why do they have any right to make any statements regarding my personal medial Information or even form an opinion. They tried to scare me and make me think I better pay without questions. 

XXXX XXXX was said employee and XXXX XXXX was said manager. Phone number XXXX I called on XX/XX/21 and XX/XX/21 I am going on circles getting no where but harassed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have sent a letters disputing inaccurate information being reported by your agency on XX/XX/2021and XX/XX/2021. Both times I tried this matter cleared up but haven't had any success

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I went online to all 3 credit reporting agencies to lock my credit so I could protect it. I'm trying to improve my scores so I can get a mortgage and want my credit protected. I did not know that by doing this that very day my scores would go up above 20 points in that same day. So, later my scores continue to go up. So, I think ok, now I can apply for the mortgage. I go in again to all 3 agencies and unlock my accounts so the mortgage company can run my credit, and what to my wondering eyes appears but a lower score by 36 and 38 points. I was dumbstruck. I am very angry. Also XXXX keeps advertising this Boost program. I go there once a week and try to get on that but every time I try my bank isn't in their system to get in on that program. These 3 agencies are just a racket. Maybe they shouldn't be allowed to be so commercialized or offer programs. I've lost respect for them. Also, when trying to call these agencies you can't talk to a human. It's all automated, so I can't call and complain with them.

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 2021-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been in communication with Bank of America over the course of the last year trying to keep up with my payment despite losing my job due to COVID-19. It was stated that I had missed a payment in early XX/XX/2021. The payment was automated and for some reason it did not go through. Bank of America did not inform me and I noticed after 3 days that they had not charged me so I called to make sure everything was okay. They informed me that the payment did not go through. I made the payment and asked to adjust my payments for the next six months. I told them I was still recovering financially and had only gotten a job in XXXX. They agreed to a minimum payment of {$50.00} and told me that it would be okay and that I would not be charged any late fees because they understood individuals had been hit hard due to COVID-19. I spoke with three different individuals and the last two people I spoke with ( I kept being moved from tier to tier ) told me the same thing, I would not be charge. Today, I received a notice that my credit score dropped 56 points because I was delinquent even though I had been paying the {$50.00} we had agreed to every month on time. I called and Bank of America told me that I was delinquent because I had not paid the late fees. They would not acknowledge the conversation I had with their two specialists and told me that I need to pay the minimum to get my account to current and that the {$50.00} does not do anything because my account would still be delinquent due to the late fees. I explained that no one had told me that and they countered with that they sent my this in the statement they send each month. Mind you I called two months ( late XXXX and early XXXX XXXX in a row after seeing the fees and was told not not worry, my account was still current and it was just the result of THEM working with ME. I do not understand then why they agreed to the {$50.00} payments if they were aware it would make me delinquent anyways. I do not understand why they did not tell me this, told me something completely different over the phone, and apparently snuck it in the letter they send me ( which I do not see on there ). I have been making payments for close to 3 years on this debt and these practices seem cultivated to keep me in a cycle of debt. They were not transparent. The last specialist I spoke with was XXXX 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 2022-08-12
Company: Klarna AB
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have repeatedly asked that this account be closed and to have my banking information removed from the platform. Instead the continue to have the account and send me unrequested solicitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: JPMORGAN CHASE & CO.
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX  XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-29
Company: First National Collection Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from the First National Collection Bureau , Inc . The letter stated I owed a balance of {$880.00} that was turned over to them for collection. It stated the origal creditor was XXXX XXXX. The debt collector states in the letter they will accept a payment of {$350.00} to settle the debt. I tried to contact to the First National Collection via the number they provided on the letter. I called the number three times only to reach a XXXX cell phone recording!! I did not misdial the number as I checked it 3 times. The letter also contained a web address. I logged onto the site to try and recieve information about the so called debt. There was no information available, only payment options. I have never had an XXXX XXXX   account, I have never done business with XXXX XXXX ever. I called XXXX XXXX and spoke to a customer service representative. I gave her all my information and the last 4 digits of the account number that was in the letter. XXXX XXXX had no record of me, or any type of account linked to me. I know this to be correct as I have never done business with them. Also by coincidence I received a copy of my credit reports from XXXX and XXXX only two days before I got this letter. There is no delinquent accounts whatsoever and no accounts ever with XXXX XXXX. I am currently in the process of buying a new home so I requested my credit reports. Upon researching this company, First National Collection Bureau, I found that this is a scam and that they are known to send false letters requesting payments and debt collection. They have used such companies as XXXX XXXX XXXX, mortgage companies, XXXX XXXX, XXXX XXXX etc. the list is endless. They simply try to scam money. I will attach a copy of the letter also. I will try to contact this company again as I was unable to speak to anyone the last time I called. After logging into the website, the phone number started working and went to a recording stating it was First National Collection. I was not able to speak with anyone. Amazing how the number did not work until I accessed the website. I have never dealt with XXXX XXXX, they have no records of any accounts on my behalf. Please shut this scam down. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX Opened : XX/XX/XXXX Amount {$420.00} My identity was stolen and used to buy phones. This debt is not mine. 

XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$270.00} My identity was stolen wand used to buy phones.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX I opened a " Huntington 25 Checking Account '' with Huntington Bank under a promotion to earn a {$500.00} bonus if you deposit {$15000.00} in funds within 90 days. Full terms below : To qualify for the {$500.00} cash bonus, you are required to open a new, qualifying Huntington 25 Checking account during the promotional period between XX/XX/XXXX and XX/XX/XXXX and make cumulative new money deposits into the checking account of at least {$15000.00} or more within 60 days of account opening. " New money '' is defined as money that is not currently on deposit in any Huntington account ( except maturing CDs ). Person to Person payments ( such as XXXX XXXX are not considered a deposit for this offer. XXXX XXXX XXXX To meet the requirements of depositing {$15000.00} in funds in the account I made a transfer of {$2500.00} on XX/XX/XXXX, on XX/XX/XXXX of XXXX, and XX/XX/XXXX on {$5000.00} from my other bank account " XXXX XXXX XXXX XXXX Each of these transactions were coded as " Direct Deposit '' under " type ''. 

After 90 days I reached out to the bank to inquire why I did not receive the bonus and was informed I did not meet the requirements. Huntington made the determination that the transfers from XXXX XXXX Checking Account were not deposits but rather " P2P '' payments and as such were not " new deposits ''. There was no guidance or information that these payments would not be accepted as meeting the bonus requirements, especially since my account showed the deposits coding as " direct deposit '' This appears to be a case of the bank misleading the consumer to believe a bank to bank transfer would count as a " new money deposit '' by coding it as " Direct Deposit '' only to secretly be saying those transfers do not count as they are " p2p '' There is no way for a consumer to be aware of how Huntington Bank codes this type of transfer and it is reasonable that a prudent individual would expect transferring money from an external bank account to Huntington would qualify.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-30
Company: Atlas Credit Company, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company repeatedly is calling me and whole family back to back on a daily everyday basis, they are extremely rude and aggressive. Still owe XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation