BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Accounts are still open/in use and not fraud. If it was submitted to be it was by mistake. Company will contact for update soon XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX account is to be still Open This was not apart of the fraud on my account they just bunched it in. Please change the status with the bueros and make my card usable asap. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX account is still Open This was not apart of the fraud on my account they just bunched it in. Please change the status with the bueros and make my card usable asap. 

Letter with copy of Social and ID were sent XX/XX/2022 with info to all companies/bueros

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Experian Information Solutions 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:
contacted XXXX Experian and XXXX to remove these fruadulent accounts and inquires and they have affected my mortgage buying process.i have provided A notarized identity theft report and they have chose to still not remove these accounts and negative inquires. 

I demand these fraudulent inquires and accounts be removed within the next 7 business days.

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 2021-07-25
Company: EQUIFAX, 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: Account status incorrect

Complaint:
In XXXX Academic year, I was XXXX XXXX XXXX XXXX with proof of transcripts from XXXX XXXX college and XXXX XXXX college. wherefore the the 90/120 Days delinquency should be remove as matter of law under Federal Truth In credit billing act with foreberance in place as a protection and suspension of payments. 

The statute of limitations for reporting XXXX and XXXX 90/120 days late has also expired. Must all be delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After reviewing my credit report in XXXX i came across this inquiry that was unrecognized. I reached out to the company itself with no success and when I took it to the credit bureau I did not get a response. 

I have no recollection of this company or why they would need to pull my credit as I have a very limited credit profile and am normally on top of things like this. 

XXXX XXXX : XXXX XXXX XXXX Date : XX/XX/XXXX Transunion first letter was sent and received at the end of XX/XX/XXXX and second letter was XX/XX/XXXX. 

They sent a second later validating and once I requested further information in XXXX I heard NOTHING back until after XXXX ( see attached ) and all sent was a document accusing me of using a credit repair company. 

XXXX XXXX XXXX sent XX/XX/XXXX- they asked for verifiable ID without investigation results, mind you I sent BOTH my ID and utility bill, a verifiable copy at that to them the first and second time. On XX/XX/XXXX I sent the second letter returning the information they were looking for and did not hear anything back until XX/XX/XXXX asking for ID again ( see attached ). 


At this point, my rights as a consumer to fair and accurate credit reporting is being violated IN THREE WAYS and this is absolutely ridiculous over ONE inquiry!!!!

1- 15 U.S. Code 1692g ( b ) - Validation of debts- WAS NOT DONE IN 30 DAYS 2- 15 u.s.c 1681I Paragraph 5 - ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; 3-15 U.S. Code 1681b - Permissible purposes of consumer reports

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 2023-10-11
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Coinbase locked my account over a year ago to verify my identity. They requested some documents that I provided. From paystubs for past 3 years from different employees ( even previous ones ) to my tax documents etc... I have been collaborating with them for for a long time now and provided everything they asked for and answered every question. Every time they send a e new email with new requests. I asked them multiple times to ask all questions and request at once since everytime it takes more than a month for them to review my responses and come up with new questions! I have called their customer service too and no resolution. I am not able to do anything with my account for more than a year. And now it has come to the point that they ask one question at a time in an email after a month of their last one! They are just dragging the process for no reason.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-02
Company: Bread Financial Holdings, Inc.
State: RI
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have an Ulta rewards credit card. I have not used the card since XX/XX/. I made a purchase XX/XX/. I decided to look into my past purchases to see everything i order and the shipping status and noticed there were 5 transactions On XX/XX/XXXX  that I did not make. XXXX of these transactions were cancelled, however, someone made an actual transaction with my ulta credit card and picked up the Item in store. I looked at my credit card transactions and there was the purchase on my statement. I called the number on the back of the card 3 times, tried to get ahold of a real person to talk to but the automated robot would not transfer me. I reported the fraud to XXXX XXXX. I then called the ulta number again and decided to cancel the card and account. The robot said a new account was opened and ill receive a new card soon, but that doesnt help with the charges made from the person who stole my credit card information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-03-17
Company: Bread Financial Holdings, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
The Smile Generation division of Comenity Capital Bank has repeatedly assessed late fees to my account for payments that were processed thru my bank a week in advance of the due date. They have twice processed the payments they received well before the due date on the day FOLLOWING in order to assess late fees and collect additional interest. 
Additionally they prevent the customer from setting up more than ONE payment at a time on their own site and black out the ability to PREPAY several month 's payments in advance, even though the same processor allows multiple payments to be processed for XXXX XXXX XXXX for which Comenity Bank is also the processor. 
This is a bait and switch where none of these limitations and additional fees are explained at the time I was solicited by my XXXX   to obtain the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
In XXXX Academic year, I was XXXX XXXX XXXX XXXX with proof of transcripts from XXXX XXXX college and XXXX XXXX college. wherefore the the 90/120 Days delinquency should be remove as matter of law under Federal Truth In credit billing act with foreberance in place as a protection and suspension of payments. 

The statute of limitations for reporting XXXX and XXXX 90/120 days late has also expired. Must all be delete immediately.

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 2022-06-17
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Good Day, I am a XXXX  military on XXXX  in US. 
Chese Bank mishandle my funds and withdraw a " Federal Interest '' on regular basis.

I am not a subject of US taxation.

I know it all and deliberately continue withdraw money from my account without my consent. I went to the bank branch and fill out all paperwork ( Form 5 ) instead of Form 9 they insisted me to fill. Form 9 is not applicable to me, but the Bank still sent me requests to fill it out even I have nothing to admit for it. 
The Branch Banker assisted said me he does not know how to resolve " Federal Interest '' withdrawals and advised to contact IRS. IRS is unreachable by any means. Nevertheless, I have nothing to do with the IRS at this point, and the Chase Bank does not respect my rights, nor conduct due diligence in his business.

I tried several times escalate the matter over the phone, and XXXX refer me to Branch. Branch does not what to do. Secure Messages I sent coming back with the same response : to call them. So it is closed circuit, where illegal activities are ongoing. They support each other and does not resolve a simple matter even when all types of documents are provided and all forms are submitted.

They does not want to dispute transaction as they telling me they have no power on these withdrawals.

I request to refund all and any amounts withdrawn from my account by Chase Bank at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-05-03
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
U.S. Bank run a {$500.00} welcome bonus for opening new checking account by XXXX XX/XX/XXXX and have qualified direct deposit of {$6000.00} during the first 60 days. Here is the detail of the promotion https : XXXX But after I fulfilled my requirements on direct deposit, I have not seen my bonus to be credited. When I contacted CS through Live agent chat, the XXXX agent refuse to credit my bonus. I was told that even though I met all requirements of apply promo code and direct deposit amount, their system showed that the account was opened on XXXX XX/XX/XXXX. This is not verified as I completed all the step to open my account and received U.S. Bank 's notification email mentioning that the checking account number was ready and deposit transaction was successful all on XXXX XX/XX/XXXX. These emails was attached with this complaint. 
I was not convinced by what they said, because I got the email from U.S.Bank about successful account opening on XXXX XX/XX/XXXX not on XXXX XX/XX/XXXX. If the code was expired, it should have notified me right on when I applied it. But everything went through as they still it the promo code attaching to my profile currently. The date of XXXX XX/XX/XXXX they are seeing on the system could be the date of first deposit showing up, but it should not be the account opening date.

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 2023-04-26
Company: Experian Information Solutions Inc.
State: ME
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:
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 XX/XX/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 2021-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Filed out a FTC Report, For inquires That don't belong to me.

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 2023-05-03
Company: EQUIFAX, 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:
To whom it may concern, I recently just paid for a copy of my credit reports. upon looking at all of my reports. I noticed that all the three credit bureaus do not match. From the best of my knowledge, all the information reporting with these bureaus should match if they were properly verified as they have continued to state. Also, I'm aware that a collection/charge offs is by default a closed account. 
XXXX XXXX XXXX ACCOUNT NUMBERXXXX IS REPORTING ON XXXX AS CLOSED YET ON EQUIFAX AS XXXXPEN. AND ANOTHER MAJOR DISCREPENCY IS THAT ON EQUIFAX, THE DATE OF THE ACCOUNT BIENG OPENED VS THE DATE ON THE LAST ACTIVITY. THIS IS A HUGE INACCURACY. 
XXXX XXXX, ACCOUNT NUMBER:XXXX  THIS PARTICURLAR ACCOUNT REPORTS INACCURACIES ON THE LAST DATE OF ACTIVITIES ON ALL XXXX BUREAUS. AND ALSO, IT REPORTS DIFFERENT PAYMENT DATES ON THE CREDIT BUREAUS. I ALSO NOTICED THE HIGH BALANCE AMOUNT IS DIFFERENT IN ALL THREE CREDIT BUREAUS. I HAVE ATTACHECHED A COPY OF MY REPORT AS EVIDENCE. 
XXXX XXXX, ACCOUNT NUMBER:XXXX. 
THIS ACCOUNT REPORTS CLOSED ON XXXX REPORTS OPEN OF EQUIFAX. THIS IS A HUGE DESCREPENCY. THE HIGH BALANCE REPORTS ON XXXX AS {$5600.00} WHILE IT REPORTS ON EQUIFAX AS {$0.00}. THIS ACCOUNTS LAST DAY OF ACTIVITY DOES NOT MATCH BETWEEN EQUIFAX AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Mr. Cooper Group Inc.
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have tried to have my existing lender correct the property taxes on my house to the correct property taxes with my XXXX ( XXXX ). I faxed the letter from the tax assessors office to Mr. Cooper ( my lender ) on XX/XX/2022 @ XXXX XXXX. I have called a number of times and Mr. Cooper refuses to lower my property taxes to the correct amount with my exemption for being XXXX. Now I am getting documents from Mr. Cooper telling me my mortgage payment is going up because I now have an escrow shortage because they are collecting and paying out the wrong ( higher ) tax amount. The old taxes are {$3100.00} and the new ( lower ) taxes are {$2300.00} with the XXXX exemption.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-02-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I have a mortgage account for my property in XXXX XXXX with XXXXXXXX XXXX XXXX and have opened an Escrow Account with them. In XX/XX/XXXX, I closed my Escrow Account and the Customer Support at XXXX XXXX said they will return the remaining balance to me via a check, which amounts to {$9400.00}. XXXX XXXX have confirmed that the check have been mailed out since XX/XX/XXXX. On Monday XX/XX/XXXX, I called XXXX they informed me that my check was cashed to a JP Morgan Chase Bank Account. I never received the check hence I did not endorse it and cashed it in. 

XXXX XXXX said that someone may have stolen my mail, forged my endorsement and cashed my check to a Chase account. Chase was at fault for letting the fraudster to cash my check with forged signature. XXXX XXXX sent me a copies of the cashed check mentioned above. I took the check and went to a Chase Bank branch to inform them of this scam that has happened and to let them know that a scammer has an account at Chase bank and that they processed stolen property with a fraudulent endorsement. The Chase rep apologized, confirmed that indeed the fraudster 's account is processing the check, but said nothing they could do to cancel the check till XXXX XXXX filed a dispute. 

After a lot of effort working with XXXX XXXX, on XX/XX/XXXX, XXXX XXXX sent me a letter confirmed that they have filed a dispute with Chase, but the investigation might take after 9 months due to expected delay from Chase.

In my view, Chase allowed the fraudster to cash the check, did not block it timely, now they are taking a very long time ( 9 months ) for this simple investigation ( matching my signature with the fraudster or directly call the fraudster to confront them should be sufficient ). I went to the Chase branch with this information and call the customer service line multiple times explaining the situation, but got no help and these reps said there were nothing they can do to help. 

Another problem I faced with Chase is that since this is not happening with my own Chase account, but the unpermitted check cash-in the fraudster 's Chase account. Everybody I talked at Chase ( either from call center or at the branch ) refused to help, I have to repeat this nightmare each time I talked to a new person trying to get help, spending countless of hours. 

I need this money to be refunded as soon as possible. I can not imagine why a bank will let someone cash a check in my name without my approval and refuse to address the problem timely. This is straight illegal. 

Please look at the uploaded document for police report, fraudulent check with fake signature, and letter from XXXX XXXX

Company response to consumer: Closed with explanation