BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
When recently discovering that my personal information was compromised during the XXXX hack, I was trying to freeze my credit score to prevent any attacks on my personal credit rating. XXXX has offered a fee waiver on freezing my account as of this time, but other unions such as Trans Union are charging to put this freeze into place. And I assume all three companies are going to charge anytime I will need to unfreeze to apply for any type of loan or credit. I find this unacceptable that these institutions are profiting off if consumers trying to protect the only thing that will let them buy a home, or a car, or even get a student loan. Currently, trans Union is even hiding credit freeze information on their website in favor of advertising their own for profit credit monitoring services. So not only are hackers benefiting from getting my personal info, but the people in charge of it, whose negligence put me and millions of other US citizens at risk are profiting.

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 2022-02-03
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX  XXXX / XXXX / {$1600.00} XXXX XXXX XXXX / XXXX / {$15000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Checking account closed with no prior warning. Bank has my address, phone number. I received my monthly bank statements. No attempt to contact me concerning issues with the account. Bank claims that identification was never verified. 
Took almost 2 months to receive my money back from the bank. I was forced to visit a branch to finally get a resolution. Now bank has the audacity to send an IRS Form 1099-INT for {$150.00} in interest. This interest was received as bonus for opening a new checking account. But the bonus was reversed and was not given.

Called Huntington but just get bounced around from office to office.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
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: Information belongs to someone else

Complaint:
Experian fail to follow Federal Law by not notifyin In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days. in which i was not notify. that this account from XXXX  was recent deleted from y credit report and now XXXX XXXX XXXX pleace this same account back on my credit report ... .i was not notify.

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 2018-01-04
Company: Coinbase, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Submitted ACH withdraw of XXXX USD from coinbase.com on XXXX XXXX, was given a receive date of XXXX XXXX. Coinbase shows the the withdraw has been completed to my bank account but funds have not been credited. Contacted my bank and they have no evidence of an ACH transfer to my account. Contacted Coinbase through email and phone with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: JPMORGAN CHASE & CO.
State: NV
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:
On XX/XX/XXXX I contacted what I thought was XXXX computer support. The website had XXXX 's trademark and looked completely legit. Upon reaching a tech, " XXXX XXXX '' I was told that my XXXX account had been hacked and I had to follow the steps he told me to do in order to close the accounts that had been open in my name. I did what he told me and was assured this would resolve the problem, My compalint was honored by XXXX and they refunded {$6900.00}. However, through my XXXX XXXX adnadditional XXXX was transferred and i was duped into opening an account with XXXX to buy bitcoin as I was told this was XXXX of the accounts opened illegally in my name. I put in a claim to Chase and this particular claim # XXXX was denied even though at the time of the claim, they credited my account. On XX/XX/XXXX I was informed they denied it and would be debiting my account by {$540.00} on XX/XX/XXXX. I made a police report and a report to the FTC at the time of the scam which I have attached. At this time, I haven't heard about the XXXX other charges in the amount of {$510.00} yet. I actually have the texts from the " so called '' XXXX techs who scammed me with employee numbers etc. The phony website was removed that day. I went down that rabbit hole.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: Experian Information Solutions Inc.
State: GA
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:
Someone keeps applying for car loans in my name which has destroyed my credit. I have filed a police report and I have asked the credit bureau to delete all of these inquiries from my report. I havent applied for anything in almost 2 years besides my bank accounts and 2 credit cards. It is against the law to have inaccurate and unauthorized items on my report and I can file a lawsuit if not corrected. Please, PLEASE remove promply this should not take 30 days to correct.

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 2017-09-17
Company: Experian Information Solutions Inc.
State: TX
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 write this on Sunday XX/XX/XXXX several days after the announcement of the XXXX data breech. I have tried without success for the past week to register either a credit report freeze or a 90 day fraud alert with Experian because of the XXXX data breech. During the entire week of XX/XX/XXXX - XX/XX/XXXX the Experian web site has locked out the ability of consumers to submit either a freeze or a fraud alert. Their page locks into a page " loading '' condition which never actual loads in the page for a consumer to submit a request. 

I understand the uniqueness of the XXXX breech and the enormous load it likely put on the credit agencies systems. But XXXX and XXXX have been up and running for days at this point while Experian remains inaccessible. 

I have been diligent over the years in protecting all of my data. The fact that one of the agencies has had a catastrophic failure and that one of their associates has " locked '' out consumers needs to be investigated.

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 2017-07-26
Company: Credit Plus Inc
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Just refinanced home IN XXXX 2017. Other companies keep on calling to refinance with them. Checked my credit report on XXXX XXXX, 2017 without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Someone keeps applying for car loans in my name which has destroyed my credit. I have filed a police report and I have asked the credit bureau to delete all of these inquiries from my report. I havent applied for anything in almost 2 years besides my bank accounts and 2 credit cards. It is against the law to have inaccurate and unauthorized items on my report and I can file a lawsuit if not corrected. Please, PLEASE remove promply this should not take 30 days to correct.

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 2022-02-03
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
To whom it may concern I am of sound mind and competent to handle my own legal affairs. 
I am THE CREDITOR and given the right by god himself 15 usc 1635 i have the right of rescission of any and all contracts, anything undisclosed within the contract violates the contract, without proper understanding and full disclosure and a meeting of the minds. 

REMEDY REQUESTED : In short I am requesting that this account be deleted due to the fact that I rescinded my signature from any and all contracts with your company and 15 USC6802 gives me the right to opt out of any reporting. 
Anything after the acceptance of this letter is going to be considered 15USC 1602 ( p ) unauthorized use and i will be charging {$300.00} a day for the use of my private intellectual property ( My NAME and SS # ). 
If no remedy is provided then you accept the consideration i gave you to pay me {$300.00} a day and you stand in agreement that I will pursue action in small claims court for remaining balance. 
Time is of the essence : you have 30 days to remove and or pay damages for defamation, malicious negligence and these are going to be considered your agreement to pay me liquidated damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
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: Information belongs to someone else

Complaint:
There are several major errors in regards to the information reported to my credit. Also, I was a victim of identity theft and someone stole my identity and used it to open multiple accounts using my information. After trying for the past 3 months to have these fraudulent accounts removed Experian has done nothing in helping and has not removed a single account. I sent them a letter with all of my personal information as well as a detailed list of the accounts that did not belong to me and they have failed to uphold there legal obligation to remove these accounts that do not belong to me. I did plenty of research online and read the entire Fair Credit Reporting Act and submitted all the proper documents, proof of identification and residence, as well as an official police report and they still have not acknowledged my letters and the fact that the accounts listed on my report do not belong to me. 

Here is the list of accounts that Experian are reporting to my credit report that were not authorized to be open by me and are the result of someone stealing my identity and using my information to open. 

1 ) XXXX XXXX Account # XXXX 2 ) XXXX XXXX Account # XXXX  3 ) XXXX XXXX Account # XXXX 4 ) XXXX XXXX  Account # XXXX 5 ) XXXX XXXX Account # XXXX 6 ) XXXX Account # XXXX  7 ) XXXX Account # XXXX  8 ) XXXX XXXX Account # 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 2019-05-03
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In the summer of 2018 I asked XXXX for a skip a payment option. It was approved but for some reason seems to have caused some confusion on my loan. After that request XXXX reported a 30 day late payment in the month of XXXX to XXXX. XXXX also reported a 30 day late to XXXX for the month of XXXX but marked the month of XXXX ok on XXXX. Same applies to XXXX, XXXX reported a 30 day late to XXXX  but marked XXXX as ok on XXXX. So the company has reported inconsistent information during the time that I was approved for a skip a payment. This 30 day late keeps fluctuating between XXXX & XXXX between reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
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: Information belongs to someone else

Complaint:
Good afternoon, I am very upset due to the fact that I've been calling and calling the credit bureaus regarding my identity was stolen resulting fraudulent account on my credit report. I recently pull my credit report and notice a few accounts on my report due to fraud. I called the companies regarding this and they told me I need to report it and then reach out to the 3 credit bureau. immediately I went to the FTC website and submit an identity theft report. Also, every time I called the credit bureau it seems like I am going through a maze. It's almost impossible to speak to a live rep that's in the right department. I have attached the FTC report below with my driver 's license. I am asking that these accounts be removed from my credit report because it is affecting my credit.

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 2018-01-06
Company: ALLY FINANCIAL INC.
State: OK
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 contacted Ally Fin. by phone to report they had not reported my car loan as paid in full to credit bureau. They said they would followup. I contacted them in XX/XX/XXXX. Info on credit report still not showing car loan paid in full. They sent me a letter dated XXXXXX/XX/XXXX showing loan paid in full but have not reported that to credit bureau.

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 2019-07-30
Company: iQuantified Management Services, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was illegally balance billed by an XXXX ( XXXX XXXX XXXX of XXXX XXXX XXXX for an emergency XXXX  XXXX XXXX done in the emergency room at XXXX XXXX Hospital on XX/XX/XXXX. He was paid by my HMO but balance billed me for more . California 's Knox Keene act prohibits this and sets settling it between the doctor and HMO insurer. I sent a letter to the doctors billing department quoting the California law and its subsequent California Supreme Court ruling in support of it. 

I received a phone call from IQMS ( iQualified management services in Colorado ) on XX/XX/XXXX advising that it had been turned over to them collections. I advised the individual I spoke with that this was an illegal billing. She hung up and sent me a collection demand. I sent a detailed letter to them on XX/XX/XXXX describing the situation and the relevant law, and told them to cease and desist all communications with me. On XX/XX/XXXX, I received a letter from IQMS with a bunch of gobbledegoop billing stuff irrelevant to my dispute, violating the federal Fair Debt Collection Practices Act ( FDCPA ) since I had asked them to desist in calling, letter writing or any other contact. Included was a copy of my XX/XX/XXXX letter stating a cease and desist. 

The Knox Keene act specifically states that ER doctors must accept the HMO patient and if they dispute it, its between the provider and insurer and NOT the patient. 

Some of the goop I got back from IQMS claims that this is a " coinsurance amount ''. I had already exceeded my out of pocket maximum with my insurer prior to XXXX XXXX bill to me, so there can be no " co-insurance '' charged to me directly. 

I also had two contacts with XXXX XXXX, both of which told me it was not legal for them to make this collection and XXXX XXXX sent the doctor a letter advising him of such, which he ignored. 

If you XXXX XXXX XXXX XXXX you will see nothing but one star reviews regarding incorrect billing and practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am a single woman with no kids and I live alone. I purchased a couple of TV 's on line through Best Buy website. Both Tv 's were delivered. I went out of town 2 days later for work because I travel for my business and I also had to go out of town to check on my family who was in the hospital at the time suffering from XXXX XXXX. upon my return I scheduled to have the Tv installed over my fireplace on XXXX XXXX. Before finishing the installation by putting the TV on the wall, the installer notice a chip on the bottom corner. I have attached a copy of the picture that was taken at the time it was on the wall. I called Best Buy to inform them of the problem, they referred me to XXXX and when I spoke with them they said the TV was in good working condition when it left there warehouse and the responsibility falls onto Best Buy since it was delivered. Neither company was taking responsibility for the damage tv. I took the Tv to the local Best Buy store in XXXX on XXXX XXXX. I spoke with the Store Manager XXXX XXXX and he noticed the damage on the box and mentioned that it was a common problem. If you see a damage on the box is where the damage on the TV will occur. So he sent the TV to the XXXX XXXX to see if they would fix it and told me that I would still be responsible for paying for the cost. I told him at that time if there is a cost to fix I would n't pay it because it is not my fault the tv was damaged. I asked if he had another tv like the one I had for purchase. I purchased another tv the same day before leaving because I needed the installation person to complete his job so he could get paid for services. On XXXX XXXX I received an email stating that the tv could be fixed XXXX didnt have the part and the XXXX XXXX could n't fix it. They stated there was nothing else they could do nor could they refund me for the damaged tv. I later dispute the transaction with my credit card and the credit card company was told by best buy that they have a 15 day return policy and I was past that time frame. Now my best buy credit card would n't refund me nor would they cover the warranty like most credit companies when using major credit cards. Now I am stuck with paying for a tv that I no longer have in my home and ca n't use and this is unfair to me as a consumer to have to still pay for merchandise that I did n't damage --

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 2022-10-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
There was a fruad for XXXX $ and bank is not putting it back already 2 weeks the result was that They did jot find enough evidence about it. I am a current XXXX  and i dont know what to do in this situation

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 2019-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I filled out the form on XXXX once for the past two days, XXXX and Transunion have not provided my credit report, citing " a condition exists '', and " we are experiencing technical difficulties '', respectively. XXXX worked just fine. No further details that I can use to troubleshoot the issue are shown.

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