BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-03
Company: Winklevoss Exchange LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I have been using the exchange gemini for YEARS now and today i randomly when to log in and it says that my account is frozen and they have deactivated it. For no reason or warning i have over XXXX USD in my wallet in that exchange and now they are restricting me from selling or withdrawing. I just want. To be able to use my account freely. I do not understand why they would do this to any account never mind such a large account randomly.. this is a terrible company i dont know what good they get out of this unless they are trying to steal my funds. I submitted the following info they asked me to Your entire face - Your ID that was used to register with Gemini. This was either a passport or Drivers License. 
- A hand-written note that states the current date and says [ XXXX ] underneath

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: Affirm Holdings, Inc
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have never taken out a loan for Affirm Inc for {$1100.00}. The XXXX loan accounts numbers are XXXX and XXXX. The two amounts were {$350.00} and {$790.00} for the loan Affirm said that I take out for Home Advisor. I have no relationship with Home Advisor and yet I am made to pay for a loan that I did not make or have no knowledge of. 
I would like for XXXX to remove this loan and late payment on my account since it is hurting my credit score. The dates that my account was open was XX/XX/2021 and XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: CITIBANK, N.A.
State: CA
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:
My latest credit report ( XX/XX/XXXX ) indicates a hard inquiry by " XXXX '' ( XX/XX/XXXX ) and " XXXX '' ( XX/XX/XXXX ). It is my understanding this is XXXX XXXX and its affiliated companies and Citibank and its affiliated companies. 

For the record, I have not done business with any of these companies. I have not made a request for credit with any of your companies. I do not understand why these businesses would place a hard inquiry on my credit report. 

I would certainly be interested in an explanation by the Banks or businesses that placed this hard inquiry ; otherwise, I request that this hard inquiry be removed. 

I have mailed out similar complaint directly to the company.

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 2018-01-12
Company: CURO Intermediate Holdings
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Theres a company that conrinues to call my work telling my boss details about me going to court..the last time i was contacted by them i did believe i seriously owed this debt because they kept calling my number threatming to call mt boss if i dident pay..i told them if i owe why do you have to call my boss just send me paperwork and they said we have to let them know who they hired someone who doesnt pay so out of embarrassement i gave them my debit bamk information and they took XXXX from me and XXXX after that i had to borrow the XXXX cus i dident have it right away..well in XX/XX/XXXX i was calling them to change the date of the XX/XX/XXXX payment because of XX/XX/XXXX and for 4 days straight all throughout the days i called.they never answered..so i called my bank to ask if they knew if this company that was withdrawning payments was ligit. If they were really collection company..they asked me for the number and so when they called it they never answered them either and they opened up a investigation that it was fraud..i then looked up the company 's name that was on my bank statement like when they took the money and there were so many complaints of people that they were withdrawing money from those people almost like my incidents. My bank told me to go immediately to the branch to close my account and that they would issue me a new account because it was fraud..so i did. Well during the time when the payment was to post from them out of my acct. My bank was already closed and they called me once that week but never left a message and the week after as well again no message. Well we are now in XX/XX/XXXX week and they called my work They told my boss that he needed to take the call seriously because i owed a debt and i was going to court. My boss told the person calling that this was a business and that any correspondence needs to be sent to human resources in XXXX and not to him or to the business.if i really owe this debt should n't they send me something in writing what debt i owe and the actual name of the collection dept with their phone number? Do they have the right to call my boss to give details of a dept i owe..i want the details in writing and my bank told me no to give my debit card to a collection unless i have something in front of me in writing..please help me I need them to stop calling my boss.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 was a victim of identity theft. My identity was used to open LIST THE ACCOUNTS HERE. I have no knowledge of these accounts and did not authorize these accounts. This has extremely affected my XXXX XXXX and my ability to get approved.

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 2019-07-16
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a letter dated XX/XX/19 from paypal credit c/o synchrony bank addressed to me states you have issued me a credit card i did not apply for. I called them and wanted the account canceled but unless i gave my social security number the operator refused to help me this is FRAUD on my name. I felt my name address date of birth should have been enough information for them to take my complaint. This credit card is already on my credit report as {$250.00} limit

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 2018-01-23
Company: EQUIFAX, INC.
State: CO
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 ave had continuous problems with Equifax that are unbelievable. 

I can not submit disputes online because they do not have accurate personal information for me on file. Disputing by mail takes significantly longer, and all my disputes come back with INCORRECT information. XXXX and XXXX  are correctly reporting these accounts. I have no idea where Equifax is getting their information. I submitted disputes on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I received a notice today that my dispute results were ready. When I tried to view them I could not get them pulled up because the website will not accept my address. I finally obtained them by accessing my credit report through a third party. The updates were with information that was even more out dated than the original dispute. 

I contacted equifax twice on XX/XX/XXXX. The first associate kept telling me I dont have an equifax credit report. The second associate told me all she could do is file disputes again and that would take 30 days. I have waited long enough for this company to get it right. I should not have to go wait another month. The f you can not report courage information then you should not be in the credit reporting business. 



The following accounts are not reported correctly. 

XXXX XXXX XXXX XXXX XXXX Account is closed Balance is {$0.00} Equifax is reporting balance of over {$1100.00} XXXX XXXX Account is closed, payments have NEVER been late. The balance is {$0.00} Equifax is reporting a balance Over {$2000.00} XXXX XXXX XXXX This account balance is {$240.00} Equifax is reporting over {$500.00} XXXX XXXX This account is closed with a {$0.00} balance Equifax s reporting open collection with balance over {$300.00} XXXX XXXX XXXX This account is closed with a {$0.00} balance Equifax is reporting open collection with balance of {$390.00} The following hard inquiries were not performed by me and should be removed IMMEDIATELY. I have placed a freeze on my account and expect that Equifax will not furnish my credit information to any one else without my authorization : XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXXXX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX  It is the duty of equifax to uphold the highest standards for accuracy and verification when reporting information that has a financial impact on a person. Due to the negligence and lack of diligence on the part of Equifax, I have spent countless hours calling representatives, filling out disputes, and filing complaints just to get them to do their job properly. This is having a devastating impact on my Financial health and my ability to provide for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: LDF Holdings, LLC
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I was approved at : XXXX : XXXX A person named " XXXX XXXX '' called me and we went over some details. I was approved ( per 2 emails she sent me from " XXXX '' ), she then asked for me to visit a site to do a 'bank verification '. Afterwards, I signed and agreed to a contract allowing me to pay off the {$500.00} loan whenevr I wanted ( so I could avoid as much interest as possible, I know what I am signing up for with this, but am in a bad spot ).

Afterwards she said she would call in 15 minutes with the bank transfer verification, but instead I received a 'Denied '' email.

I don't mind getting denied, but I already signed a contract and provided personal information about my bank and paystub.

A company like this should have their approval/denial up front, before sensitive information is shared.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
There is a bankruptcy being reported on all 3 credit bureaus. I reached out to all agencies and was told that this information was furnished and verified to be accurate by paid source XXXX I reached out to XXXX XXXX who responded saying that this was not true, and this information was not furnished nor is this on my XXXX XXXX report. I reached back out to all agencies on conference calls with XXXX XXXX and was told that they would need proof from XXXX XXXX. I have submitted my XXXX  XXXX report and was told that was not sufficient. XXXX XXXX even asked agencies to validate when said information was furnished and was told that they were not at liberty to answer. I have also asked agencies to provide me documents to support the validity of this reporting and was told they have no such document. I am demanding that these agencies provide me document to support this reporting or remove this reporting as the said furnisher has provided document showing this information is not reported on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On the XXXX of XXXX, 2020, at XXXX, I spoke with a Citi Bank credit card Supervisor- ID number either XXXX or XXXX, named XXXX. The topic of the call regarded my Citi bank double Cash personal Credit card, which carried a XXXX Balance. The card had closed down. It was brought to my attention that I had not made any purchases with the credit for 24 months. I received an email notification stating Action being required on XX/XX/XXXX. The email also mentioned that my account had been closed for the same reason ( dormant activity ). Within my online banking there Within the statement/documents section was only 1 Letter of closure was sent to me on the XXXX, stating the account was closed. XXXX said a letter was sent on XXXX 2020, by mail, informing me that the account had been closed. XXXX confirmed that zero letters were sent to me prior to the letter she claims was sent out XX/XX/2020. XXXX also mentioned the there was no timeframe to call back If I wanted to submit to reinstate my account to be reopened. Of course that meant running my credit again, which I shared no interest for. My consumer rights within the Citi bank policy grant me 2 letters of revert which state 2 letters will be sent to the customer, asking them to revert, if they wish, the account will remain open, to take action revert PRIOR to card closure. I was never sent a letter to revert in the mail. My address was current and clearly I never received and alerts of letters within my online banking nor any emails about the reverting of my account prior to closure. 
XXXX stated, she could not comment on the policies, when I read my rights, which were written by Citi Bank, to her. 

Here what I have an issue with : Error 1 ) they gave me 5 days from the XXXX, to address the account was closed on the ( 1st notification on the XXXX by email ) Error 2 ) I never received the 2 notification Letters prior to closing ( rule # 7 in document attached ) Error 3 ) XXXX stated I have any time to call back to reinstate which is false according to Citi Bank rules of 30 days. 

My credit score was negatively impacted once the Citi Bank with perfect payment history of 3 years, was closed.

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 2018-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
cra violation names wrong inaccurate information on reports sent the po report and id theft gov information no knowledge of accounts XXXX  breach has cost me tons of money taking more than 30 days violation of my rights

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 2018-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Transunion seems to have had a computer glitch that caused all of the inquires on my credit report to be deleted, and my credit score increased. The very next week, all of the inquires were reinserted with additional inquiries i do n't recognize to my credit report without prior written notification in direct violation of Sec 611 of the Fair Reporting Credit Act. I am requesting that the reinserted inquires be permanently removed from my credit report. I have reached out to TransUnion and was told I need to create a Police report and fax it to their Consumer Department. I do n't understand why I would need to provide a Police Report to an internal error they had. My credit score Fluctuated from a XXXX to XXXX up and down. I need this corrected ASAP. 

XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Police Inquiry # 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 2018-01-23
Company: Cooling & Winter LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/17 I sent a letter certified mail # ( XXXX ) for Validation of debt. 
I requested that Cooling and Winter all from below. 

Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

Winter and Cooling have not complied to this request in its entirely.

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 2021-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On XX/XX/XXXX I contacted Transunion regarding the billing error on my account with XXXX XXXX, XXXX XXXX credit card, XXXX XXXX XXXX, XXXX XXXX and XXXX. Pursuant to 15 usc 1666a ( a ) collection activity includes furnishing any information on this subject matter to any consumer reports there should be no publication or advertising of any kind until the dispute is resolved.

Pursuant to 15 usc 1692 I invoked my remedy to cease all communication and collection activity on this alleged account. Transunion continues to furnish this innacurate alleged information. 

I also stated that I so do believe I am a victim of aggravated identity theft under title 18 us code 1028a on multiple occasions XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX has knowingly used without lawful authority a means of my identification in order to compromise my financial reputation. I also demanded a certified copy of the ORIGINAL certificate of indebtedness in order to verify XXXX, XXXX XXXX, XXXX  XXXX and XXXX XXXX is in fact the holder in due course there is in fact a proof of claim of this debt. Without this I can not verify and there can not be any valid claims of alleged debts in the name of my principal obligor. 

On XX/XX/XXXX I called Transunion to resolve the matter of innacurate information reporting and to let them know the above accounts were In billing error notice, I was hung up on by an agent which is defined as abusive practices pursuant to 15 usc 1692. The supervisor also explained to me that they would continue to furnish this information due to their protocol. When I explained to her that this was against the law according to 15 usc 1681b she ignored me and stated it would continue to report. This has caused me XXXX XXXX due to my credit being damaged due to their negligence.

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 2018-01-23
Company: National Credit Systems,Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collection # XXXX was started by National Credit Systems , Inc. for an amount of {$5300.00}. This debt was for the apartment lease of my estranged adult son. I did not sign or cosign a lease. I called the landlord, XXXX ( XXXX XXXX XXXX ), and they were very apologetic. There was no cosigner agreement on file or any attempt to use my social security number or personal information fraudulently. They wrote an apology on XX/XX/XXXX and provided a release from National Credit Systems on National Credit Systems ' letterhead. 

Everything appeared to be fine until a derogatory report/collection action appeared on my XXXX credit report in XXXX of last year. I immediately disputed the report with both National Credit Systems and XXXX. National Credit Systems claims that I was removed from their collection and multiple XXXX representatives ( at least 4 ) have said that it would be removed from my credit report after 48 hours. It has not been removed and has affected my ability to obtain a credit card even with a XXXX FICO and otherwise blemish free credit history. 

Here is the fax cover letter I sent to XXXX : Ive attached two documents in support of clearing the collection action on my credit report with confirmation # XXXX. The debt is not mine. I did not sign or cosign a lease with The XXXX XXXX or ever live in their apartments. The XXXX XXXX started a collection action with National Credit Systems , IncXXXX and National Credit Systems erroneously tied my name to the collection action. They do not have my social security number, a signed lease, or a cosigner agreement on file. 

1. The XXXX XXXX wrote an email apologizing for the error and confusion. They instructed National Credit Systems to remove my name from the account and collection action. Ive attached that email sent XX/XX/XXXX. 

2. National Credit Systems complied and sent a retraction to me and The XXXX XXXX on their letterhead, dated XX/XX/XXXX, removing my name from the account and stating that they would no longer pursue me for the recovery of the account. They also stated that any derogatory credit listing would be removed promptly. Ive attached a copy of their letter. Several voicemails over several days have simply gone unanswered by National Credit Systems.

Please immediately remove the National Credit Systems , Inc. collection listing from my report. 

Thank You,

Company response to consumer: Closed with explanation