BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-15
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:
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 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 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
In accordance with FCRA XXXX XXXX has violated my rights. 

15 U.S.C. 1681section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666B - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2018-05-31
Company: Experian Information Solutions Inc.
State: IL
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:
My account with an a XXXX XXXX XXXX  XXXX was open XX/XX/XXXX. They reported me be in late XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX and my account was never open. My 1st payment wasn't due till the end of XX/XX/XXXX, they also report it we be on late XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which is totaled in 6 months past due. I was never late on these dates

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 2021-12-15
Company: BAM Management US Holdings Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I first contacted Binance.US via email XX/XX/21 because they disabled my account stating I have a returned deposit that was used in a crypto transaction, leaving your account with an unpaid balance I indeed had more than XXXX in my account at that time and also tried to deposit USD into my account but Binance.US had a hold on my account preventing me from doing so. I contacted them via email for 2 months regarding matter but no resolution. I received an email from Binance.US stating that they took the unpaid balance from my wallet but I still have can not access my account. I contacted them again regarding matter and they said I am not in an authorized state. I have not been able to trade or withdraw my money since. When I go to an authorized state I still dont have access to my account, when I try to trade or withdraw my money I get an error message from Binance.US stating account disabled, withdrawals disabled I contacted Binance.US again XX/XX/21 via and the replied with verify your identity I responded backed with a picture of my state drivers license and specific account information. I have not received a response or resolution. I again contacted Binance.US on XX/XX/21 and everyday thereafter stating I need their help withdrawing my money and deleting my account. Binance.US have replied each time stating your ticket have been updated but as of today I still can not trade, withdraw or delete my account. Its like this company is deliberately holding my money hostage and I have no access. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: EQUIFAX, INC.
State: DE
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:
In accordance with FCRA XXXX , has violated my rights. 

15 U.S.C. 1681section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666B - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have had a checking account with Chase for approximately XXXX yrs. I recently received a letter from Chase that stated " upon review We have decided to close your accounts '' and would I please withdraw my funds no later than XX/XX/2021. I keep a decent balance, have never overdrawn, bounced a check or had any issues. I pay my credit balance on time and usually in full. I also have a car loan with Chase and pay that monthly and on time. Calling the 800 number provided on the letter did not help. The call went overseas and the person at the other end could not provide any information as to why my account was being closed. Visiting my local Chase branch where I conduct business was not helpful either. They also could not or would not provide any explanation as to why my account was being closed. My Wife is currently overseas and now will have no access to funds, I'm really not sure what to do so that she doesn't end up stranded. My Social Security check is direct deposited to this Chase account. I've already contacted S.S. and had my payments directed to another bank. However they take time to process the request and I'm going to miss my next months payment. As a retiree this really hurts. I really don't know what I did to warrant this kind of treatment. Chase claims they had to close one of my previous accounts. This was a business account that was closed at my request upon the sale of that business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
This is my third complaint against Bank of America. The first is numbered : XXXX and the second is numbered : XXXX. I am submitting a third complaint because my original issue fails to be addressed appropriately or sufficiently. I have expressed this to the Bank of America XXXX representative, XXXX XXXX XXXX. He called me on XX/XX/XXXX and proceeded to get very argumentative and to deny what he stated to me over the phone, splitting hairs to defend Bank of America and refusing to acknowledge the bank 's lending age discrimination tactics. I then stated to him that these tactics span an entire year. He apparently did n't realize I had a second experience this year with a BofA loan officer. However, I did state this repeatedly in my communications to Bank of America and XXXX XXXX 's lack of knowledge of this information means he is and was not paying attention and not reading my communications I also stated the same information to a XXXX XXXX XXXX who also did not process this information and did not respond to me in a way that indicated he was including the two incidents of age discrimination which I clearly stated to him. This entire debauchery, from the incidents with the two loan officers and the two men, XXXX XXXX and XXXX XXXX, who allegedly investigated my claims, means that no one is taking what I am saying with any weight or seriousness and are not taking the time to pay attention and investigate EVERYTHING. They are leaving certain facts out, I want a new investigation to include the second attempt I made THIS YEAR to refinance, and for which I was refused with a 3-5 minute phone call. I again was advised by XXXX XXXX that there are other programs for which I could have applied but which was not told to me either last year by XXXX XXXX or this year by the second loan officer. That second attempt this year was made on XX/XX/XXXX at approximately XXXX EST.

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 2017-04-21
Company: BB&T CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In  XXXX  I financed a car from   XXXX   XXXX   XXXX   they sold me the car for  XXXX  with a 19 % interest rate, Unfortunate my car was totaled in   XXXX   due to Mother Nature, Hail Damage. I had GAP Insurance as well I was paying additional money to Regional Acceptance my insurance company   XXXX   XXXX   paid them  XXXX  and  XXXX  took the car as well. I have a debt still of  XXXX  and I have no car and making payments. I called to request a principle forgiveness I am not able to purchase another car since I have a not with them. I called to see if they could forgive the balance and they said no. They want  XXXX  after they took my car and they got paid insurance money and they gave me a ridiculous interest rate.

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 2019-12-20
Company: DFC Global Corp.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I received a call from Aspen stating I opened an account and did not pay. After speaking with this company I realized they allowed an account to be opened in my name without verifying income or that the person opening account was me by requesting ID or banking info ... They deposited XXXX into an account at a bank that I do not bank at. 
This company is not verifying to make sure consumers that are opening accounts are legitimate and putting incontinent consumers at risk for identity fraud.. This company would not even tell me what measures they took to verify employment, personal information and bank account on this loan The loan opened under my name of XXXX XXXX is loan no XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
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:
There are items on my credit report that aren't mine that are listed in the report attached.

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 2022-05-01
Company: Recovery Solutions Group, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
This has started XX/XX/2021, I was unware that my identy at this time was stolen until I received a phone call from XXXX XXXX at Recovery Solutions Group , LLC, on XXXX XXXX. 
I was told I took out a loan from XXXX XXXX for XXXX for a food truck. I tried to explain that my identy was stolen, they could come and look at my residence to see I dont own a food truck, they could come and check my laptop for all the information on this but I did not apply for this loan. Not only that but I do not make {$60000.00} a month. I personally bring home {$1000.00} for working in XXXX XXXX XXXX. 
XXXX XXXX did not believe me to the point he was making threats to me over the phone. 
I ended up borrow money from friends, to make them stop threating me as this was causing high stress and XXXX  on me. 
you will notice on the only documentation that I have has dates on it from giving them money. 
What I want from both parties now is to have that moneies returned, so that the people that I borrowed this from can have their money back.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: WAKEFIELD & ASSOCIATES, INC.
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I asked them to validate debt. They shared my information without my signature and broke Hippa Regulations. Notices were sent certified mail and they responded by sending personal information without my signature authorizing them to share my information/personal data. 
Wakefield and Associates XXXX XXXX XXXX XXXX XXXX TN XXXX ph # XXXX. 
I am requesting all the files be removed some are duplicated with new dates same amount ( which is inaccurate information on top of Hippa Violations. A report is being filed w Hippa. 
Acct # XXXX Signature was not provided or authorized by debtor or to collection agency ( I did not sign anything giving them authorization to share my information with credit reporting agencies or any information with third party or any business. I did not authorize creditor or sign a release from Hippa authorizing Wakefield and Associates or Hospital or Emergency Dept to access my medical records ( this is a direct violation and these MUST be removed from my credit reports.. Proof of this debt was not validated nothing on file with my signature given to this creditor or debtor authorizing them to share my information. 
I sent them notice and they failed to validate debt however sent personal information obtaining procedures and personal information without my consent or authorization. These must be removed as it is a direct violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: Experian Information Solutions Inc.
State: NY
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 submitted a dispute to remove fraudulent accounts off of my credit report. I have not been in the country and someone has been using my name, SSN and DOB to open accounts. I submitted to the 3 credit bureaus and there are still fraudulent accounts on 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 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I filed for Bankruptcy on XX/XX/18 and it was discharged the same year, but all the accounts that were included in the bankruptcy are still showing open.

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 2021-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have sent several correspondence to each company and as of today no response has been given. Im starting to feel like a number rather than a person. I noticed these inaccurate recently and I researched how to get these removed and in doing so I found my information was compromised in the XXXX data breach. Now more than ever I fear my information has fallen into the wrong hands. Please assist in helping me get through this.

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 2017-04-17
Company: Nationwide Biweekly Administration, Inc.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was sent information on a company called,  National wide biwee kly administration, inc to help me pay my mortgage faster and in 2 monthly payments instead of  one large one w hich never got to my  XXXX  housing finance mortgage company on time causing me late fees and when I complained they cut me off keeping  3 ful l work checks of mine saying that was there fee for do me that favor. So they stopped completely which I have the letters stating that they are in management changes but I can not get my fee back or other losses.   My account with them is #  XXXX  record number :  XXXX . I want  my 3  checks I paid for for this service which equals to at least {$5000.00} and then the penalties I had sustained for them not getting my mortgage in on time.  Rounded is  about another {$1000.00} not to mention the bad smear on my credit for being late on my mortgage it cost me. I could n't reocer for 1 year and have. It 's now that I 'm catching up. I had people coming out from mortgage company checking on my house and it 's a well kept house. I was very embarrassed. I want this company held accountable for doing this to a bunch of. I am willing to sue this company for pain and suffering a sell as all my lost for at least {$50000.00}. FHA is not the problem it 's  Nationwide biw eekly. I see on your government website that others have complained to case  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: TransferWise Ltd
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
The service provider, TransferWise - charged my account and has not provided funds. It was a transfer from XXXX  debit card to TransferWise to allocate funds into one banking account. As a consumer, I thought it is easier to manage one account vs. two accounts. In essence, I chose TransferWise to utilize a service called " XXXX Account '' that comes with a Debit MasterCard - to carry my funds as they provided lower rates and extra tools when you use their banking services. 

I transferred over {$2000.00} from my XXXX Debit card ( provided by nbkc ) to my TransferWise, they froze my account after my husband, XXXX XXXX XXXX, transferred money back and fourth to each other. We opened these accounts to make our lives easier and not complicated. I had them for 8-9 months without an issue until this point. 

We are not working because of the COVID situation, and they took everything from us!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-20
Company: Receivable Recovery Services, LLC
State: LA
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:
On XX/XX/2019, I sent a validation of debt letter to Receivable Recovery Services, a collection company that now owns a supposed medical account of mine. I do not recognize this account, which is why I sent them a validation of debt letter. According to the FCRA, the collection agency was to provide me with : - what they say the money I owe is for ; - how they calculated what they said I owe ; - copies of any papers showing I agreed to pay what they say I owe ; - a copy of any judgment ( if there is one ) ; - identify the original creditor ; - proof the statute of limitations has not expired ; - proof they are licensed to collect in my state ; - their license numbers and registered agent. 
Not only did they disregard my requests and not provide me with any information, as a collection agency, they blatantly broke the law that is the FCRA. I have attached my original letter and their response. On their response, I highlighted the specific section where they state I asked for validation of debt, but they only provided me with verification which breaks the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
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 am a victim of identity theft. My personal information was used to obtain credit with XXXX XXXX. I found out about this when I began to receive debt collection calls from XXXX XXXX. That prompted me to take a look at my credit report and that's when I noticed that someone had used my personal information to apply for and obtain credit. I also noticed that the criminal had tried to obtain credit at other financial institutions as well. This is the worse thing that I've ever had to deal with. It is extremely dejecting trying to deal with the credit reporting agencies and banks to get this fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15
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:
I have sent address update/remove to the credit bureaus XXXX different times. XXXX, Transunion, and XXXX has yet to update my report with my recent and only address. I've sent sworn affidavit with the correct address. The address XXXX, Transunion, and XXXX continues to report is another persons or family address. 

I have had my personal information stolen within the past year and half to two years ago. I do not want my information being fraudulently used. Please help me with removing these inaccurate addresses and adding my current and only address to my credit profile. I am in fear of Identity theft if this wrong information continues being reported.

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