BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-08
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Good Morning..my dears, At Consumer Financial Protection Bureau.. greeting , On or around XXXX XXXX, I faxed my judgement file case # XXXX from [ US.Bank, XXXX XXXX, XXXX  ] To : Attention : Garnishment Department at US.bank. 
After 5 months returned back to me uncollected the Bank Altered and committed Fraud changed my judgement file case number I went back and I faxed back and so far, I haven't heard from them again.

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 2023-11-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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 not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2022-06-05
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

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

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

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 2022-06-05
Company: CHARLES SCHWAB CORPORATION, THE
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
NSF charged by Schwab for closed account on XXXX through XXXX. 

Schwab has victimized this client for the last time and will cover all costs associated for their decision to close all accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: EQUIFAX, INC.
State: MD
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:
XXXX XXXX continues to report inaccurate balances on my credit report. I have disputed this inaccurate information to all three credit bureaus when my current balance was inaccurately posted at $ XXXX, I have never had a loan with the company in that amount. My loan amount with XXXX was $ XXXX with a lower current balance. I have been making timely payments on this account since its origination. Now, XXXX has again reported an inaccurate current balance of $ XXXX on my credit report which has again negatively affected my credit score. The correct current balance that XXXX has failed to accurately report to all three credit bureaus for the last few months is {$220000.00}. These inaccurate reports to the credit bureaus has consistently resulted in decreases in my credit score without any full recovery once any form of adjustment was made. Its beginning to feel like fraudulent and targeted inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XXXX XXXX, 2022 Bank of America obtained a copy of my XXXX credit report with a hard pull. 

There is an extended XXXX years fraud alert on my credit report. The extended fraud alert on my credit report includes a phone number for potential creditors to contact me to verify the legitimacy of credit requests. 

Bank of America did not call me regarding its inquiry into my credit report. Bank of America did not reach out by mail to verify that I had either made any request for credit of any type or provided authorization to access my credit file. 

I do not currently, nor did I at the time of this incident, have any type of credit, banking, or loan account with Bank of America. 

Not only did Bank of America have no clear cause or reason to access my credit file without my permission, but it failed to act appropriately, reasonably, or responsibly when it dishonored the extended fraud alert on my credit report by making no effort to verify that I had authorized its hard pull.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-31
Company: Netspend Corporation
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XXXX XXXX NetSpend made a debit charge without my permission in the amount of XXXX. I deposited XXXX on XX/XX/XXXX at XXXX XXXX NetSpend claims falsely that I had an old account that was in a negative balance status. NetSpend transfered the {$96.00} from my current account to the old account they said was in negative balance status. My issue is NetSpend is a pre-paid service, meaning you put money on the NetSpend card to use it.. without that you can not use the card. So how could I have a negative balance status? NetSpend never gives money.. you must put money on the NetSpend card to use it.. NetSpend stole my money by lying saying I had a negative balance status so without my permission NetSpend made a debit on XXXX XXXX a transfer to another old account I had with NetSpend. I owed nothing to NetSpend whatsoever.. like I said NetSpend is a Pre Paid debit card.. you must put your own money on the card in order to use it. On XX/XX/XXXX I put XXXX of my own money on my NetSpend card. NetSpend had no right taking my money!!

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 2022-06-05
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items 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 explanation
Consumer complaint received 2019-08-05
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I Have been under a chapter XXXX that was discharged on XX/XX/XXXX. The HELOC loan I have was with XXXX XXXX XXXX. I got a letter from them dated XX/XX/XXXX saying that they have sold my HELOC loan to Specialized Loan Servicing LLC and that they are taking over the loan on XXXX.I am suppose to close on my refinance on XX/XX/XXXX. I have contacted Specialized Loan Servicing daily for the past week and they can not provide a payoff amount yet and are now telling me that instead of XXXX which they originally said they could, now they are saying XX/XX/XXXX!! I also have not received a welcome package from them yet telling me where to send my payment due on XX/XX/XXXX if I end up having to make it, although XXXX XXXX XXXX did say I could get it to them and they would forward it to them. I am concerned about that because of all the bad reviews I see on SLS LLC, as far as them posting payments on time and then charging late charges on those payments that were indeed paid on time. I just want to be able to close my refinance on XX/XX/XXXX as we have planned and am hoping you can urge them to get my payoff amount sent to our loan officer. I can not believe they can't look up that information and get it done for 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 2023-10-02
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX, MI XX/XX/2023 XXXX XXXX XXXX City , State, Zip RE : FAILURE TO RESPOND TO DELTETION/CORRECTION LETTER To Whom It May Concern : On XX/XX/2023, I sent a letter requesting that you reinvestigate or delete disputed items from my credit report as well as place temporarily remove these items from my report during the investigation period. As of this date, you have failed to respond to my request. A copy of my original letter is attached for your review. 
The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. 
I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. Otherwise, I will contact the Federal Trade Commission and advise them of your apparent disregard for consumer protection laws. 
If you have any questions or need additional information, please contact me at the address noted below. 

Thank you. 

Sincerely, 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 2021-11-03
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I sent $ XXXX worth of shiba to the address I have for coinbase. They said they can't retrieve the funds because it's not supported.. If it'snot supported whhy would they accept the transaction. Now I have lost my money and they wouldn't issue a refund. Here is the transaction. 

https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Experian Information Solutions 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:
Fraudulent accounts and inquiries Appearing on credit report. 



Inquiries 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 explanation
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX and Experian continues to report the wrong negative information, I have called numerous times, I called in XXXX to request to speak with a Supervisor, I was told that one would call me back, It's XXXX and Im still waiting, I have disputed items and they continue to report that I am behind, when I am not late or have any missed payments recently but they continue to report late payments Experian continue to report that my Mortage is late, which it has not been late

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 2022-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items 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 2023-10-02
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX XXXX am verifying that I, XXXX XXXX XXXX XXXX mailing out this information. In doing so, this plus my XXXX and XXXX is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the XXXXredit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2023-04-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
hey im XXXX XXXX XXXX yrs old very much need help tried to talk to chase an they said the claims the department filed to close it but the reason is my phone got stolen an couple apps you can just get into phone was already unlocked an the couple apps the person who stole my phone went on happened to use it so i called the claims to get it back was not me i had to call from a new number had to end up ordering new phone if you can please help i love chase alot dont use know other bank besides chase i had to end up getting new phone was no way of me tracking it because it would be off at times an after they did the transactions i didnt do they reset the phone so i couldnt use find my iphone

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: TN
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 have made several attempts with the credit reporting agencies on the fraudulent accounts and inquiries listed on my consumer report. I have no business with the accounts nor have I signed anything or consented to any.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: NC
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: Global Lending Services LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have request PROOF OF CONTRACT to substantiate a claim that I owed the amount {$3300.00}. to XXXX XXXX XXXX. The XXXX nor the collection agency provide me with a CERTIFIED copy of an authenticated original contract with my signature, Specically Naming XXXX XXXX XXXX as an entity entitled to enforce a commercial claim against me. The Reporting Agency send me onXX/XX/XXXX and updated account Investigation Results as Verified as accurate. But their answer is just a computer generated document with a copy signature that is not mine. They failure to Validate the account and to send me a notarized document that will demonstrate that the " investigation '' was conducted properly.

The same happen with a XXXX   case charging me with a {$580.00} as of XX/XX/XXXX. Moreover, they have reporting in my credit report a Global Lending Services, for the amount of {$8600.00} in this case I filed a dispute letter that the collection agency fail to informed me about why they failure to follow New Jersey repossessing Law, and failure to Validate the account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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