BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-05
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My name is XXXX XXXX and I just started to find out that someone stole my identity. Starting in XXXX of XXXX I started getting alerts from zelle for my other 2 accts. At XXXX and XXXX. I never used zelle before but when I asked the banks they wouldn't give me any information. So I never received the funds or any information on where they came from. I notified the treasury about this suspicious behavior and never heard back. I also notified agencies about ph hacked redirects on calls n emails. I have new contact info. I think I had some trust acct/inherited monies but I don't know how to tell. I want to complain about never being contacted, or told anything when I asked. Zelle doesn't even have have a site to see past transactions. I check online with chexsystems 2c what bank they had in my name and wasn't seeing anything I understand. So currently I'm looking for bank history on wire transfers that were for me thru XXXX, XXXX  XXXX XXXX, XXXX, and XXXX XXXX  XXXX. I had other account back in XXXX that I thought closed but maybe they didn't close. They are XXXX XXXX, XXXX  XXXX  XXXX XXXX and XXXX XXXX XXXX, XXXX. 
My old info that was stolen was ph # XXXX XXXX XXXX, old last name was XXXX, XXXX, XXXX. The 1st 2 were by marriage but XXXX was my maiden name and the name I use today since XXXX. The last 4 of my ss # XXXX. Currently on ssdi since XXXX n have been without a XXXX  since XXXX when I filed bankruptcy in XXXX. Which I just found out was dismissed but never notified. I need information and help. I think my accounts have been tampered with, even ones I didn't know about. My life is getting more difficult and now my checking account are XXXX is sealed under confidential and I can't see it or pay my Bill 's. I'm headed back to XXXX  with in the next week to try n see what's going on and get my money out. Please contact me with any questions or if more info is needed. I also want to include XXXX, XXXX XXXX and any other company that handles financial transactions. Included XXXX  XXXX XXXX XXXX and XXXX  XXXX. 
I need to get a history of transfers, complain about not getting help at my current banks and where I can get the financial history information so I can see what's going on since my divorce in XXXX. 
My current info is XXXX XXXX XXXX XXXX XXXX. 
XXXX or XXXX *I 'm also going to contact the department of real estate because I think I should find out what happened to my home in XXXX XXXX ca. XXXX or XXXX which is why I found out my identity was taken. Even my car ( XXXX  XXXX  ) or any claimed property thru unclaimed or echeated accts. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2020-02-24
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XX/XX/2018 changed the due date from XXXX to XXXX of each month and it in writing. i paid one month XXXX short and trying charge me almost 1000 they have charged me late fees every month because it not paid at the beginning when not due until the XXXX. See all attached docs.

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 2020-12-16
Company: Experian Information Solutions 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:
This will be the third and final attempt before I start legal action on Experian Credit Bureau. They do not want to follow FCRA articles 603/605 regarding the removal of items over 7 years old. the last email I received from them Dated XX/XX/2020 said the information I provided them was insufficient. The information came from XX/XX/XXXX Credit Bureau who received the same letter I sent to Experian. Only difference is they did their job, investigated and deleted the item from their report. I will upload copies of all information pertinent to this matter. It's bad enough, they have the right to sell my personal information for a fee. They could at least make an attempt to get it right.. They are a very difficult company to do business with and have a low regard for the general public at large.

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 2020-07-21
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:
THE DISPUTED ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX  XXXX Address Id # XXXX balance {$800.00} is reported twice on credit report need report updated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: Self Financial 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: Account status incorrect

Complaint:
I'm a traveling XXXX worker working XXXX and have been for a year. Self INC closed my account in XXXX of 2020 without notice. I was never notified, I called multiple times requesting to speak with a supervisor. I never received notification through the application on my phone. So I'm confused as to how they reported me 30 days late. Especially when I have XXXX setup. I have an email from a supervisor admitting they the close my account. At the time of closure my account wasn't past due. Matter of fact SELF owes me money in which I have yet receive. There hasn't been proper follow-up on this matter. I'm grossly upset regarding how they handled this situation. They have been very non chalant and down right rude at times. I was even told to open a new account. But the closed one was never properly handled or addressed. Communication is terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: BAM Management US Holdings Inc.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I recently transferred Dogecoin cryptocurrency to the Binance.US exchange operated by BAM Trading Services and subsequently sold a portion of it for approximately {$55000.00}. Binance requires accounts to be verified in order to withdraw cash. I have submitted the requested documents to verify my account, but the status has been stuck as pending for more than two weeks. Other users report having been stuck for long periods as well. I have submitted a support ticket which was immediately closed and received an automatic reply stating that they are not accepting support tickets on verifications at the moment due to a substantial backlog. The end result is that I remain unable to withdraw the funds from the sale of my cryptocurrency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: FIRST ADVANTAGE CORPORATION
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The time frame is 7 year and it says I have a XXXX from XXXX I was XXXX in XXXX and both of those date are very hard to find in the description it goes in to detail of XXXX times and XXXX thats not accurate..in the last year it has stopped me from getting a good job 3 times now also my address of where I lived are no where close to being accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
State: NC
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: Problem with personal statement of dispute

Complaint:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-02
Company: Coinbase, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I am filing a complaint against COINBASE INC because me and XXXX other customers had their account hacked. My entire wallet ( about XXXX ETH Coins ) was drained due to this hack and it was not my fault. Coinbase should be liable for this as it is required that 2 factor authentication to access my account. Somehow these hackers were able to bypass Coinbase 's 2 factor authentication and send funds from my wallet. Again when sending funds another 2 factor authentication is required and the hackers were still able to bypass that. For the record I was not hacked, Coinbase was hacked and they stole the money from their end not mine. Because it was stolen in this manner Coinbase should be totally liable for this, it was their system that was exploited which resulted in XXXX customer hacks. Me and ALL XXXX customers deserve to reimbursed in full of the total assets that were stolen from our wallets. An attached transaction summary from Coinbase detailing the attack is attached to this email. If this is not resolved in the next 30 business days I will be contacting my attorney and filing a lawsuit against Coinbase for the damages I incurred due to their flawed system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I went to the Chase bank on XX/XX/2020 in XXXX XXXX Florida to deposit some of my wedding money in the inside ATM. It was about 5,000.. We quickly filed a claim with the bank. A month later they send us a notice stating they could not find any money in the ATM that we deposited. Chase has stated there is nothing they can do..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Date : XXXX thru XXXX I have been a Chase customer for over 20 years. Back when it was Washington Mutual and even before then, when it was XXXX XXXX XXXX in the XXXX 's. I'm writing this complaint today to inform you that Chase has closed all my personal & XXXX accounts and also my daughter 's high school account WITHOUT ANY VALID REASON. I was never negative, received NSF fees and had daily transactions on all my accounts. They froze my accounts, had me on hold for 1-3 hours for 2-3 days and they simply said it was a " business decision. '' What  kind of professional answer is that??? I was livid and couldn't understand why. They continued holding on to my funds until they received a letter from the XXXX. A non existing letter because the XXXX doesn't provide personal letters. You might think that is the reason why they closed my account, right? Nope, that's just the reason why they held my funds. I wasn't able to operate any money transactions and the local branch was no help with all their limitations due to the pandemic. They made me wait outside while there were 3 available bankers available. I only know they were available because I can see there empty seats for 2 hours while I was in 100 degree weather. They basically did not want to help and could care less about their customer. A long term loyal one. Needless to say, after 5 hours on the phone with them ( including hold time ) & 6 hours at the branch, I was able to get my funds back. It was one of the most challenging tasks I've ever had to do. I will promise you this, I WILL NEVER BANK WITH CHASE AGAIN nor will I recommend this financial institution to any human being. They really went far & beyond to make sure I stay in the dark and never find out WHY they closed my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
State: NY
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'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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
XXXX XXXX debited my account on XX/XX/XXXX for the amount of {$140.00}. Also, XXXX XXXX XXXX debited my account on XX/XX/XXXX for the amount of {$85.00}. These are both unauthorized transactions. I sent a XXXX XXXX XXXX to Initiate Electronic Funds Transactions to each lender on XX/XX/XXXX. 

I called Bank of America 's dispute phone number at ( XXXX ) XXXX. Each Customer Service Representative that I spoke with denied my request to dispute the transactions on my debit card. Each CSR insisted that I contact the merchant first. The thing is I've already tried contacting the merchant. 

According to the CFPB, QUESTION 7 : If a consumer provides notice to a financial institution about an unauthorized electronic fund transfer ( EFT ), can the financial institution require that the consumer first contact the merchant about the potential unauthorized EFT before the financial institution initiates its error resolution investigation? 
ANSWER ( XXXX XX/XX/XXXX ) : No. A financial institution must begin its investigation promptly upon receipt of an oral or written notice of error and may not delay initiating or completing an investigation pending receipt of information from the consumer. See Comments 11 ( b ) ( 1 ) -2 and 11 ( c ) -2. For example, in XXXX XXXX, the Bureau found that the practice of requiring a consumer to contact the merchant before initiating an error resolution investigation was a violation of Regulation EXXXX Similarly, the Fall XXXX edition of Supervisory Highlights discussed instances where examiners found that one or more financial institutions had instructed consumers to contact the merchant instead of promptly initiating an error investigation.

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 2021-04-09
Company: Atlanticus Services Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I stopped paying my Aspire credit card due to the loss of wages resulting from the pandemic. I was starting to somewhat recover and decided to contact the credit card company and they agreed that they would lower my minimum due ( Orig. $ XXXX, after pandemic $ 235+ ) I was shocked that they were expecting me to pay that much considering the circumstances. I called and spoke with a gentleman who assured me that my minimum would go back to normal in 24 hours. I checked my account and nothing changed. I didn't think anything since I was told to be patient. I starting making payments - what I was able to which was $ XXXX. sometimes more. My minimum payment due keeps increasing and the fees keep piling up. Instead o my account balance going down, it keeps getting higher. The credit card company will not help. I've called several times and they keep hanging up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Conn's, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I recieved a adverse action via email from CONNS XXXX INCXXXX @ XXXX PM. I am the natural person, consumer, original creditor I can not be denied my own extention of own credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Home depot commercial account we talked to citi Bank and home depot because of covid 19 relief they told us to make XXXX every 60 days payment til we catch up our account wouldnt close nor would it be restricted tbey lied to us also thats our second payment the picture now they have closed account and put in collections

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 2021-02-08
Company: National Credit Adjusters, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
I pulled my credit report from XXXX XXXX and XXXX XXXX and an unauthorized entry from National Credit Adjuster collecting on behalf of, XXXX XXXX in the amount of {$1200.00}. I have contacted the company via certified mail for verification and validation bearing my signature of this account that was signed and delivered on XX/XX/2020. National Credit Adjusters has yet to send supporting documents bearing my signature. I attempted to contact the company again via certified mail that was signed and delivered on XX/XX/2020 and no response. Due to the lack of communication, I then contacting XXXX XXXX  and XXXX XXXX regarding this account and they have yet to provide any validation and verification bearing my signature regarding this unauthorized account. XXXX XXXX, XXXX XXXX did not honor my request of validation ; yet the credit file under my social security number has been marked as verified. This entry must be DELETED from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I set up an automatic payment from my XXXX loan due to the XXXX Virus and all banks being closed to inside customers they did not take my payments out of my XXXX ACCOUNT for 4 months instead placing me as delinquent and the report caused my limit to be dropped on my VISA to {$500.00}. I have paid all monies owed and would like my credit card amount to be restored to {$30000.00}

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 explanation
Consumer complaint received 2021-09-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello I an entering this under noncompliance of the Section 809 of the Fair Debt Collection Practices Act. I have contacted PORTFOLIO RECOVERY ASSOCIATES and requested original singed & dated contracted. They have been unbale to provide since XXXX of 2020, their letter stat 's they have received original documentation from said original lender however when asked they never have it. They have also falsely reported this information to the credit agencies

Company response to consumer: Closed with explanation