BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Back in XX/XX/2012Bank of America put me in XXXX & ive paid them off & ive got a XXXX   report but no information is there. Im trying to figure out when Im going to get out of 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 2022-07-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again... 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent a letter on XX/XX/XXXX to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and delete from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-27
Company: Pinnacle Asset Management, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Contacted XXXX/XXXX/XXXX I did not sign contract with company, I did not sign contract with company. Please remove from credit report.

Company response to consumer: Untimely response
Consumer complaint received 2017-09-07
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a cash out refinance on X/X/17. I stated my home was worth {$200000.00}, but the appraisal came back at {$190000.00}. Originally, the loan amount would have been {$160000.00} and we were going to pay off four credit cards in the amounts of {$9100.00}, {$6500.00}, {$5300.00}, and {$4700.00} and receive {$2900.00} in cash back. After the low appraisal, the amount was changed to {$150000.00} and only three credit cards to be paid off. I spoke to XXXX, loan officer, after the appraisal was received. He stated not to worry because I would be getting an escrow refund for around {$3500.00}. When the redisclosure package was uploaded it showed the three credit cards being paid off and {$5800.00} in cash back. I spoke with XXXX, who said I would get {$5800.00} cash back and then a refund a couple weeks later for escrow in the amount of {$3700.00}. I asked if he was sure ... ..he restated it. When I got a call to set up closing, I asked about the numbers again. The agent on the phone said that I was not getting an escrow refund, because it was used to pay down the amount owed on the home. I called XXXX  again. He told me " not to worry '' and he " did n't know what they were talking about '' and that he was looking at it on his screen. He said he would get it fixed. When I got another call to close, I was told I was getting {$2100.00} cash back and an escrow refund. I called XXXX  again. He emphatically apologized and told me he would get his director to fix this issue. He again stated I would get {$5800.00} cash back and an escrow refund in the amount of {$3700.00}. XXXX called me on X/X/17 and said that he was wrong and apologized. I asked him to make this right and he said that he would have his manager call me. Today, I got a call from the escalation department ( XXXX ). When I explained the issue, and asked to make it right and issue a credit in the amount of {$3700.00}. He said that Quicken was not a used car lot and that a credit in that amount " would not happen ''. I asked to speak with her supervisor and am waiting on a call back. XXXX was very rude and his tone quickly changed when speaking with me. I really doubt that Quicken will go bankrupt if they issue a credit to make this right. I am not in the wrong. I explained everything every step of the way and was mis-led during this process. This is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: DISCOVER BANK
State: TX
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 filed dispute with XXXX on XX/XX/XXXX against XXXX XXXX in the amount of {$2800.00} for flooring installed on XX/XX/XXXX. The company did incorrect install which is clearly defined in an independent Engineering report that they paid for. They re-installed the flooring again incorrectly this year in XXXX, clearly defined in another Engineering report they paid for. I faxed reports and all other documentation supporting my case on XXXX. Discover took 28 days to acknowledge they have documents. I uploaded documents to them on XXXX as well. Discover supervisor XXXX told me today XXXX, unless I have document from XXXX XXXX stating I 'm due a refund or credit they will not be giving me my money back. Well, that is an idiotic statement. A dispute is because a merchant refuses to refund money. I have been given so many different reasons why I wo n't get my money back. It 's all made up lies by Discover. They are not honoring their contract with me, their customer that is clearly defined in their own terms and conditions. I spoke with XXXX XXXX in consumer advocacy executive department today. Got the same runaround from him. He told me he ca n't help unless the case is closed. Does n't a company have certainly legal responsibilities they have to abide by? They should n't be able to get away with this. I 'm told they will close case on XXXX. That 's 3 days. Hardly enogh time to adequately review my case. I was also told they do n't have to do anything because I 've waited over 120 days to complain. No where does my terms and conditions state this. They already made up their minds to not pay. How can your agency help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX XXXX was offering puppies for sale on XXXX. I inquired. She requested {$100.00} be sent to hold the puppy. After doing so thru XXXX, she requested more money. I told her I'd give her the rest in cash. Once i requested the {$100.00} back, she blocked me. I contacted Chase, & they said they had no recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: Tulsa Adjustment Bureau
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Services were on XX/XX/2019 from an imaging location. The single account had 3 claims, all part of the same service/procedure but what TAB did was broke it out I to 3 of their own accounts and then reported each one individually to my credit. When I brought this up and reviewed the original bill and the letter from TAB it was represented as 1 single  account yet they broke it out, essentially multiplying the impact on my credit, and refused to correct or even explain how this occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: Resurgent Capital Services L.P.
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
{$570.00} is the amount that XXXX XXXX XXXX says I owe. No actions on their end was taken and I have not received anything regarding this debt. The debt was placed on my credit unfairly on XX/XX/2016 as I never opened up a bank account with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Experian Information Solutions Inc.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and delete from erroneous reporting in my file are listed on my credit report 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 2022-02-14
Company: CAINE & WEINER COMPANY, INC.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Disputed information several times explaining I am a victim of identity theftand asked to remove this from file credit file. I am asking to validate debt by providing me with PROOF of original signed document I am demanding this Account BE DELETED IMMEDIATELY!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
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:
I like to file a dispute for unidentified fraudulent items on my credit report for the following : USBK COURT XXXX  PENNSYLVANIA XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX I have attached ID Theft Report XXXX with this complaint. Please review.

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 2022-07-14
Company: Experian Information Solutions 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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$67.00}

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 non-monetary relief
Consumer complaint received 2022-02-14
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: AXOS FINANCIAL, INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have multiple problems with Axos bank. The first is that a {$100.00} release from XXXXXXXX gas station was credited to my account on the morning of XX/XX/22, making my available balance {$260.00}. At XXXX pm EST on XX/XX/22 I had a debit card transaction in the amount of {$260.00} hit the account. At which point I logged back into my Axos mobile banking app to check the available balance and it was now {$4.00}. Then at XXXX pm on XX/XX/22 I transferred a {$100.00} into my Axos account giving me a balance of {$100.00}. I used my debit card for a {$24.00} charge and a {$20.00} ATM withdraw, a {$16.00} debit charge and I transferred out {$10.00} twice. Then when I woke up the next day XX/XX/22 at XXXX am XXXX, my available balance was suddenly overdrawn - {$99.00}. When I had a cs rep on the phone line they couldn't explain why. I was told to submit screen shots of my transactions thru their secure message system on their app. which I went and did immediately. But to no avail. Now today XX/XX/22 when I view my transactions it's a total and complete disgrace, XXXX of the transactions list the available balance after the transaction but XXXX of them ( randomly ) don't list my balance at all. Then some of the posted transactions go completely out of date order, like there are a bunch of transactions posted on XX/XX/22 but smack in the middle of them is a posted transaction from XX/XX/22. That's not even possible. And then if you look at each transactions available balance the math is just completely wrong. On XX/XX/22 the last transaction has an available balance of {$60.00} then on XX/XX/22 the first transaction is a debit card charge at XXXX XXXX for {$50.00} but the available balance is negative- {$100.00}. when it should be {$10.00}. These mathematical errors are on multiple transactions ( > 10 of them ). And then there is the simple fact of ; if I try and use my debit card for any thing, a POS an ATM or a transfer and there isn't enough money to cover the amount it will automatically decline the transaction, that's a fact, there is no coverage for overdraft or anything of the such on the account. So Axos is trying to say to me that the debit card transaction of {$260.00} on XX/XX/22 caused the account to be over-drafted by {$94.00}, which is impossible. Even the cs rep I spoke to on XX/XX/22 said to me " you're correct your transaction would be declined if you don't have enough funds in the account to cover it. '' And lastly, as I mentioned in the beginning on XX/XX/22 there was a release of funds from a hold by XXXX for {$100.00} and it was credited to my account in the morning. It was listed as a transaction. But now it's suddenly nowhere to be found anywhere on my account. It just totally disappeared. This is crazy, none of it makes any sense and I don't know what they're doing with my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: Diversified Consultants, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX said that I owe them XXXX dollars, and that is no way possible and diversified has not validated that debt is mine. They has the wrong person i have never ever had a XXXX   account ever in my life. They have the wrong person, and the spelling wrong because this is not my account. So they need to delete this immediately from my account. It just pop up on my account in XX/XX/XXXXsorry they have the wrong XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: EQUIFAX, INC.
State: GA
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 did not consent to, nor benefit from, or authorize any of the following accounts : XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Experian Information Solutions Inc.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
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: Reporting company used your report improperly

Complaint:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I actively XXXX XXXX XXXX on the XXXX XXXX XXXX XXXX  ( XXXX ) run by Coinbase, a US company based in XXXX XXXX. My account was initially funded via a linked XXXX  checking account from which wire payments and ACHs have been initiated and settled without any issues. The following incidentis the first issue I 've experienced with their platform.
On Monday, XX/XX/XXXX, I attempted to link an additional checking account with intent to initiate a wire transfer onXX/XX/XXXXafter the Labor Day holiday. To confirm ownership of linked accounts, Coinbase asks you to confirm small transaction amounts in your account. The credit union that services this additional checking account had shut down its online banking system over the holiday for scheduled maintenance and I was unable to confirm the deposit amounts immediately.
However, from this point forward, I was unable to execute any trades on their XXXX platform or transfer funds ( virtual currency or USD ) in or out of Coinbase or XXXX. I opened a support ticket and went through the suggested steps to fix the problem on my own.
An automated prompt indicated that it may be an issue with identity verification. For example, if the credit union only had my middle initial on the account 's signature card, Coinbase may be unable to verify that with the driver 's license I submitted which has my full middle name. Furthermore, the inability to immediately confirm the deposit amounts may have triggered something in their fraud or compliance process.
After re-uploading my ID verification materials and removing the newly added checking account, my Coinbase and XXXX accounts were still locked down. I currently have around {$10000.00} USD worth of assets in an account on the XXXX platform.
Coinbase/XXXX  support has been unresponsive, with the exception of automated replies ( case # XXXX ). They do not have an option for live chat or telephone support.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Experian Information Solutions Inc.
State: GA
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 did not consent to, nor benefit from, or authorize any of the following accounts : XXXX XXXXXXXX XXXX {$21000.00} XXXX XXXX XXXX {$3000.00}

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