BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-01
Company: Foris DAX, Inc.
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
My name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX Idaho XXXX. In XXXX of 2022, I met a person on XXXX dating, named " XXXX ''. She asked if we could use an app called XXXX and we started Communicating there. She was talking normally for a few daysand then started talking about crypto investing. I wanted to delete her after that but I ignored the red flag and played along. She was working on me and trying to get me into crypto trading in higher amounts for greater returns. I was still very skeptical but knew the platforms were safe and secure as long as I didn't give her my account log in information nor my send or receive codes, which I never did. She eventually talked me into wiring an initial transfer of money to XXXX, which is a secure crypto currency exchange. I knew this and was not worried about transferring my money there. The initial wire transfer was ( XXXX $ ) on XXXX of XXXX, 2022. She increased the money that I put in there by {$700.00} in only 30 minutes or so of trading and allayed my concerns of being scammed as I had control of this money when it was in my coinbase account and my coinbase wallet. At the end of the trading day, she guided me through depositing the money into a bitcoin IRA account she led me through the creation of. ( It wasn't known at this time but that IRA platform was fraudulent. ) There were two deposits I made by wire into my coinbase account and those dates were First date of Transaction XX/XX/XXXX  and Last date of Transaction XX/XX/. The total amount of money deposited was $ XXXXShe then started asking for more and more money to invest in Crypto, and she had already proven herself on smaller amounts ( or so I thought ). I also believed the IRA account was legitimate still so I transferred a total of {$27000.00}. In order to trade it she convinced me that I should end and initiate trading from my fraudulent bitcoin IRA account. After my final deposit I realized that I had been scammed as I tried to reach customer service from the XXXX IRA website and never received a reply. The evidence attached is from my detectives who have traced the funds and helped me file claims to recover the funds from the 4 different exchanges that ended up receiving the transfers from her account ( see attached Investigation Graph Image ). I will also provide this information on a thumbdrive, per our conversation, and drop it off with the local FBI office for your use in this case when you request it. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
I am no longer an authorized user on the XXXX XXXX  account ending in XXXX but its still reporting to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: CITIBANK, N.A.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I tried called them concerning my payment the conversation didn't go well they are very unprofessional company. Yet I still couldn't make a payment and if you look at my payment history I do very well since I had this credit. 
I've been racially profiled against from Citi shell credit card.

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 2023-04-01
Company: HUNTINGTON NATIONAL BANK, THE
State: WI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 between XXXX I went to a Huntingtons Bank Branch and I went to one of there 3 ATMs to deposit money ( {$500.00} ) onto my XXXX XXXX XXXX XXXX XXXX . I did the same as I have done before and never had problems but this day the atm said upon depositing money I did not put the cash in machine in time and they were holding my funds and for me to contact my financial institution. The machine also locked my card for about 5 mins or so. I called the 1800 number on ATM, I also called both financial institutions when they opened up. My XXXX XXXX issued a dispute on behalf of me and on XX/XX/2023 I got a call saying it was denied. I then contacted Hungtington and visited branch and still got no resolution, neither did it seem as though they were empathetic to the matter or helpful in any way. I felt like the branch manager was not trying to offer any options to get matter resolved she was very short with me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-13
Company: Georgia Student Finance Authority
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have sent 3 certified return receipt letters to Georgia Student Finance regarding the late payments they are reporting on 7 accounts that are  damaging my credit severely. 

To date, they have ignored my letters and never responded to me. 

I have provided them with FTC Advisory Opinion to Harris ( 03-22-99 )  *attached, which states : Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such  as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct even if the loan was correctly reported as delinquent, but has subsequently been paid. 

Please assist me with getting a response from Georgia Student Finance regarding the issue stated above. They have ignored my disputes and every month, they continue to report late payments even though the FTC opinion states they are to CORRECT and update the payments now that they are no longer late.

Company response to consumer: Untimely response
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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. 

Account name : XXXX XXXX XXXX XXXX Account # XXXX 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 2023-05-24
Company: Experian Information Solutions Inc.
State: NY
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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX  XXXX. 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 an 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 2021-08-13
Company: DISCOVER BANK
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

14. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

15. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-21
Company: SYNCHRONY FINANCIAL
State: MI
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:
To Whom It May Concern : I have sent you my request, Via : U.S. Postal Service CERTIFIED MAIL RECEIPT # XXXX XXXX XXXX XXXX XXXX, dated XX/XX/2018 for you to confirm the balance owing on the above referenced matter and for you to confirm that you would accept full payment of the alleged obligation from me in consideration of your delivery to me of the original instrument of indebtedness in its original form. 

It is apparent that you have overlooked or ignored my request. Accordingly, unless I receive your written confirmation that you will accept payment from me in consideration of your delivery to me of the original instrument of indebtedness in its original form on or before XX/XX/2018, I will conclude that you are either unable or unwilling to comply, and I will thereafter consider the matter between us to have been legally and financially settled.

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 2018-07-19
Company: Mercedes Benz Financial Services
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with MERCEDES-BENZ FINANC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and MERCEDES-BENZ FINANC with no successful resolution. XXXX, XXXX   and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: General Motors Financial Company, Inc.
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I got a truck at XXXX XXXX in XX/XX/2022. I stated I am the beneficiary of this purchase and signed with my beneficiary signature, see attached documents. GM Financial approved the purchase. Upon receiving the contract in the mail, I went and added my terms and had it recorded in the courts so it is a legal contract. GM Financial has received the contract and refused/ignored it. I called multiple times. After being transferred to the XXXX person on XXXX call, I gave the man the Certificate of Record number along with the number under the barcode at the top of the page. I asked them to review it and call back, which they never did. I called back approximately a week later and spoke to another woman. She said she knew nothing about this stuff, but she was able to pull up the contract in my file and read it. I tried getting a phone number to the legal team or CFO but was refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I recently received an alert about bad hit on my credit report/score. My entire life I never made any payment late whether it is Loan, credit card or Utilities bills. Rather I always make payments before time and little extra and keep reserve with my service provider or vendors. In my entire life I never have OD/NSF fees charged to my bank account.

Freedom Mortgage have reported false to all credit bureaus that I have made two months of payments late which damaged and killed my credit score and because of false reporting and fraud, my credit score dropped down rapidly and in consequences I have to pay higher rates on borrowing needs and insurance premium.

I received a phone call/voice mail on XXXX XX/XX/2018 from Mr. XXXX, Freedom Mortgage to call him back XXXX XXXX XXXX EXT XXXX to resolve the issue pending since XX/XX/2018 of misappropriation of my mortgage and extra principal payments and stealing of my money in the name of late payments/charges. When I called him back he introduced himself as Customer Ambassador and on investigation he found out misappropriation on their side and promised everything is resolved and money stolen from my account in the name of late payments fees are reversed. All of a sudden I received a severe hit to my credit score of false reporting of late payments towards my mortgage payments.

Freedom Mortgage management have damaged and killed my credit which I built in 16 years, working hard paying each and every payment on or before time. Freedom Mortgage Management is responsible for this crime, offence and liable to be prosecuted.

For Justice I demand Freedom Mortgage Management should pay damages {$100000.00} as well as criminal charges should be initiated and punished as per law to put behind the responsible management person behind bars at least for 10 years with rigorous imprisonment. These Lenders fraudsters/manipulators, blood like them should be stopped to kill/damage innocent borrowers credit score. 
I am ready to provide transactional details/statements/communications in case needed.

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 2018-07-21
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Diversified Consultant is a fraudulent company that I have never had a contract with and got a hold of my information and has attached themselves to my credit 3 times and I have proven that it is not my account. It keeps being removed then re attached month 's later. They are a nightmare and should not be allowed to ruin people 's credit. Please shut this company down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I sent a letter to remove these personal information that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these personal information not later than 4 business days. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
ID THEFT VICTIM XXXX POLICE REPORT VIOLATION OF MY RIGHTS AS A CONSUMER REPORTING INACCURATE INFOMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Order XXXXXXXX XXXX I was charged {$73.00} for an item they NEVER sent. I told them I wanted my account credited because they never delivered the item. 
On XX/XX/2023 I was assured by a XXXX from their customer " service '' the credit would be processed by XX/XX/2023, even given a reference number of XXXX To date, credit has not been processed. I am tired of this company and they should be investigated by DOJ. They consistently LIE to customers and it is reported they only resolved about 35 % of complaints! Why this company is still in business is beyond, when I have to contact the government to get them to do their jobs. Their customer service is abysmal, they want you to CALL them, I don't work for these people. They employ a lot of XXXX  who can not properly speak. 
I want my account credited. I need to pay off these creeps and close this account. 
I was lied to, misled, and fraudulently charged for this. Any assistance would be helpful. XXXX should be closed down.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
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 bought a house last XX/XX/XXXX and my credit score was GREAT ( XXXX )! I am now trying to refinance my house and Kohls has a late fee in XX/XX/XXXX and XX/XX/XXXX making my credit score XXXX. My credit score should be over XXXX as I have not had anything change with my credit ... .other than these two items with KOHLS/Capitol One before I even closed on my house last year ( and these did not show up last year ). 
I tried calling Kohls on XX/XX/XXXX to settle this with them over the phone, but they can not get records before XX/XX/XXXX ( is what they stated to me on the phone ). I even called them twice ... speaking to two different people trying to get a resolution. 
I need these amounts to come off my credit as they are not legit and I need to be able to pursue my financial needs of the refinance.

Company response to consumer: Closed with explanation