BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-16
Company: Federal Adjustment Bureau, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom It may concern I do not believe that I owe this debt or what you say I owe. 
FABCO # XXXX Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Maine ; 5. proof of the last payment made on the account. I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. You can not add interest or fees except those allowed by the original contract or state law. Any attempt to collect this debt without validating it violates the FDCPA. Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau. I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ), then you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
To Whom It May Concern : In XX/XX/XXXX, {$600.00} was taken out of my checking account via Cash app by an unknown person ( fraud ) and made it look like I sent the {$600.00}. I filed a complaint with both Cash app and XXXX  XXXX XXXX. 

I was told via email by Cash app ( XX/XX/XXXX ) they would not be able to refund me the {$600.00} because the unknown person ( fraud ) had deposited the money into their account. 

I was told by XXXX  XXXX XXXX ( XX/XX/XXXX ) they would not be able to refund me the {$600.00} because Cash app provided information stating I use Cash app frequently. 

I know for a fact I did not send {$600.00} to the unknown person ( fraud ) and I do not know the unknown person ( fraud ). 

I want my stolen {$600.00} back in my account because it was fraud, someone did hack into my Cash app account, and I did not send the unknown person {$600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone stole my identity and opened many accounts without my permission or authority.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-09
Company: EQUIFAX, INC.
State: CA
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 became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX XXXX  has tactics that involve illegal and harassing practices. Exempt monies in my back account have been frozen. I dont have paperwork with dates or legal signatures on them. This attorney is trying to take over XXXX XXXX XXXX  of my savings that came from XXXX XXXX benefits social security back pay that I received after years of fighting for.

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 2020-12-19
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I am very concerned about my Coinbase account. I have invested thousands of dollars into Bit Coin plus a sizable amount of cash exists in this account as well. On XX/XX/XXXX I noticed that the amount of cash was incorrect. There was a sizable additional amount of funds. On this date I got a call from my XXXX XXXX XXXX XXXX that an unauthorized amount of approximately {$19000.00}. XXXX was going to be transferred to Coinbase. I made sure not to approve it and to terminate said unauthorized Coinbase transfer. However coinbase actually had reflected that I already had these additional funds in my Coinbase account. I tried to contact CoinBase however they refuse to allow me to speak to a live person. Instead I was made to follow online prompts to disable my account. I received an email confirming my case. XXXX # XXXX. I tried calling a customer service line several times but no one answers and on. A recorded line indicated that if I felt my account has been compromised to press # 1 to disable your account after I did this the phone disconnects. Ive since attempted several calls during the last few days and the same thing always happens. Yesterday XX/XX/17 I was also sent an additional email indicating that : on XX/XX/XXXX my balance had increased due to a {$300.00} buy/sale # XXXX The trouble is, I never attempted any buys on XX/XX/XXXX. Furthermore their online prompts influenced me to disable my account and made me attempt to change my password. Its now Friday XX/XX/XXXX and I have been locked out of my account all week. I have no access and no clarity to see what is going on with the account. I was sent several emails over the week stating that my case was being researched by a specialist and they would get back to me in 4-5 business days. This experience is highly irregular and I have a sizable amount invested with Coinbase. I do not feel comfortable about it and have no idea what is going on or what is going to happen. This is no way to treat a customer who has over {$30000.00} invested with Coinbase especially after I have put my faith and trust in their service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-05
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We signed on for a home mortgage with Citibank in XX/XX/2019. Our mortgage contract specifically allows us to prepay our loan with no penalty. We have 2 complaints 1 ) Citibank transferred our mortgage to XXXX without informing us. XXXX is not allowing us to prepay our mortgage. Weve followed up with XXXX and Citibank multiple times. Citi responded saying XXXX is extremely delayed on email and phone responses. But they are not offering us any options. 
2 ) Citi didnt inform us on our mortgage getting transferred to XXXX. We had an auto/pay option linked to our citi account for our mortgage. XXXX removed our auto-payment option. We were on vacation overseas in XXXX and XXXX and didnt realize any of this had happened. We got a call from XXXX on our mortgage - we thought it was a scam as they asked us for personal information. Our credit score dropped 100 points as XXXX reported our mortgage in default. 

All citi and XXXX say is sorry - they cant do anything.

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 2022-10-04
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 a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
After conducting an Internet search for my name, I discovered that some of my personal information was being used without my permission. My information was acquired by an aggregator website, which advised me to first check the website 's Frequently Asked Questions section and then contact approximately nine separate websites to have it removed. In addition to feeling violated because I value my privacy, I felt humiliated because I had to request that my belongings be removed. I discovered unauthorized fraudulent accounts on my credit report. I would like these accounts to be removed and rectified. Remove all erroneous and fraudulent accounts from my credit report. This has hindered my ability to acquire credit. I am doing everything possible to reclaim my life. Please assist me in deleting all fraudulent accounts. Please let me know if there is anything else that can be done to remove these accounts from my report.

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: Riverwalk Financial Corporation
State: CO
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This company used abusive language on the phone with me. The collection accountant refused to provide employee identification, refused to allow me to speak with a supervisor, refused to provide his last name, and stated, stop playing the victim I am getting really sick of it, as well as I am not your counselor or your therapist and When I told him that he was verbally abusing and threatening me He laughed into the phone and stated he didnt care and that there was nothing I could do about it. This is the fifth person I have spoken to at XXXX who acts completely inappropriate refuses to transfer the call to a supervisor or provide information about the debt. When requesting information on the debt they say that I have to request it in writing which I have done twice and when I tell them that they say try again maybe the third times a charm. I have never been provided proof of the debt, I have never been provided signed Paperwork of the debt, etc. Lastly, we had a payment plan set up but due to the high amount we had to cancel it, now when requesting a payment plan they say that they dont offer payment plans, but then Mr. XXXX blackmailed us stating if we gave them 10 % or {$1100.00} we could get a payment plan going. The last person I spoke to you XXXX Who refused to identify himself, give me his last name, or move me up to a supervisor was the one who was abusive and threatening. I felt extremely vulnerable and was upset extremely mentally after the phone call. He was extremely frightening with his comments in t Who refused to identify himself, give me his last name, or move me up to a supervisor was the one who was abusive and threatening. I felt extremely vulnerable and was upset extremely mentally after the phone call. He was extremely frightening with his comments and tone and my mortgage loan officer was three way called in and was witness to the inappropriate behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2020 I received an alert that I had a new inquiry on my credit report from Sychrony/Amazon I immediately contacted the vendor to dispute this inquiry and the representative stated they did not know how the application was put through being that when she attempted to verify my information she could not because the actual application did not even have my correct social security number. The representative stated she would send an electronic notification to XXXX  to have the inquiry removed but could not provide me with a copy of this notification. I asked for this situation to be expedited which she said she would attempt to accomplish. After numerous calls to both XXXX  and Synchrony Bank/ Amazon . I have yet to receive a resolution to my issue. The last supervisor I spoke with at Synchrony states that a deletion letter was sent to XXXX   and I will receive a copy of it as well in 7-10 days and that time has elapsed already since the inquiry.

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 2020-12-20
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
i check my credit report on XX/XX/20 i come across alt of inquries i have not approve no one to run or check my credit report i have sent a ftc police report to equifax about this matter but i have not got the reponse i been lookinfg for instead i been getting verfield back from equifax i know its my right to dispute fraud on my report as i have done by sending my ftc report to equifax and a leeter from ftc demanding them to block all inquires i have not approve from other lenders here are the lender ran my credit ... 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 ... These areall fruad inquires i did not aprrove no one to run y credit plz remove and stop saying its verfield

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: EQUIFAX, INC.
State: NJ
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 received a link to my XXXX XXXX account. When I looked at my dashboard I see that 4 inquiries were on my report. Only XXXX for my last lease in XX/XX/XXXX was valid. 3 separate inquiries from Equifax Mtg. from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that were not initiated by me and I never saw before. I attempted to call their listed telephone number ( XXXX ) XXXX and he automated system was not helpful and disconnected my call 5 times. 
Frustrated, I looked up your website and seek to have these inquiries flagged and hopefully removed from my report. I have had hard time rebuilding my credit after a prior marriage led me to bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: Experian Information Solutions Inc.
State: PR
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:
Wrong social security number Wrong addresses Wrong phone number Another names inquiry with other name

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 2021-11-09
Company: EQUIFAX, INC.
State: CA
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 became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of ID theft. Beside these items. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
Apparently According to TransUnion I'm required to pay XXXX $ a month to have access to my own Credit Report. I'm tired of these companies charging money for what should be accessible for free. I've logged on multiple times, had to change my password multiple times only to have them tell me I need to pay a fee to access my credit. BS! 

I want to have legal access to my credit report.

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 2020-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 just pulled my most recent credit report and noticed errors reporting on my credit file

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 2019-09-05
Company: Terrill Outsourcing Group
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This One Account has been passed around to 4 different collection companies and it dropped my score just for appearing on my credit report ; it was even a verified debt. I recently sent a email to XXXX with proof that this account has been deleted on XX/XX/2019. XXXX XXXX is responsible for passing this account around twice ( XXXX XXXX XXXX, XXXX & Superlative RM ) after the sent me a letter confirming the account has been deleted any consumer reporting agency. The Original Creditor is XXXX XXXX XXXX XXXX. Superlative also called acting as if this was a different account but amount was the exact same.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: VA
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:
Why did the CFPB close my complaint when nothing has been done about XXXX XXXX XXXX XXXX not responding to me when I sent them a debt validation letter/proof of claim affidavit? Is the CFPB being bribed by XXXX XXXX XXXX XXXX or has the CFPB accepted money from XXXX XXXX XXXX XXXX or do they hold stock in XXXX XXXX XXXX XXXX? Can I get the name ( s ) of the people who are responsible for my complaint being closed when nothing and I repeat nothing has been done about it. What has been done about them not responding to me about my debt validation/verification proof of claim letter? Do I not have a right to dispute directly with them? If not then please notify me that I do Not and please notify me that they ( XXXX XXXX XXXX XXXX ) do not have to respond to my debt validation/verification proof of claim letter that I made under oath. Can you also show me in law where they are allowed to post false /misleading information and not respond to my debt validation/verification proof of claim letter. If what they saying is true where is the affidavit? Have them send me an affidavit stating that they loaned me money and the car was not discharged. That's it, two sentences sworn under oath is all that they have to provide and I will not contact CFPB no more about this matter. All I want is justice and equality under the law. I thought the job of the CFPB was to protect consumers? It seems like the only one being protected is XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/2017 I have tried both online and over the phone to freeze my credit records ( for days ).  In both cases with XXXX and TransUnion the response has been " not available at this time '', " check back later ''. Experts are now advising to freeze your credit files to avoid identity theft. You need to check this out for yourself. Have been successful with XXXX  over the phone, however, their was a {$10.00} charge.

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