BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On XX/XX/XXXX, I discovered credit item XXXX XXXX account number XXXX had been re-inserted into my credit file. I disputed the tradeline with TransUnion and on XX/XX/XXXX, the tradeline came back Verified as Accurate. Per the FCRA, TransUnion is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. As evidenced by my report dated XX/XX/XXXX, the Date Closed states XX/XX/XXXX and the estimated removal date states XX/XX/XXXX. As evidenced by my report dated XX/XX/XXXX, the XXXX XXXX tradeline is no longer listed. Now according to my report dated XX/XX/XXXX, the tradeline is listed with a Date Closed of XX/XX/XXXX and estimated removal date of XX/XX/XXXX. This item has resurfaced after the FCRA reporting period has expired so this item must be deleted.

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 2022-03-28
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On Monday, XX/XX/2022 my SIM card was fraudulently ported to a new device at a XXXX store in XXXX, IL resulting in approx. $ XXXX being transferred from a Coin Base investment account within about 45 minutes. Here is how it happened : At XXXX on XX/XX/2022 I received a text stating there was a request to access my account at a XXXX store in XXXX IL XXXX Once I saw the text around XXXX I attempted to check email and call my wife but realized my phone was no longer working. The only number I was able to call was XXXX customer service. When I called XXXX I was told my SIM card had been ported to a new device and I needed to go into a XXXX store because without access to my phone the call center employee on the phone was unable to verify my identity and help me. Eventually authorization was given and I was able to get the SIM card moved back to my device. 
In the meantime, a total of $ XXXX from withdrawn from a coin base investment account. 

Once I was able to long into XXXX mail again I saw I had email from Coin Base notifying me my password had been changed. When I logged into coin base I saw that at XXXX nearly $ XXXX had been withdrawn from the account. A series of 450 transactions of {$50.00} each had been processed by Coin Base between XXXX and XXXX. 

I am appalled at the lack of account monitoring in place at Coin Base. A total of 450 transactions at {$50.00} each were processed in a matter of minutes without a freeze on the account. This was clearly suspicious activity and the account should have been frozen. Even a minimum level of account monitoring should have flagged this activity and put a stop to it. Coin base refuses to engage in a conversation about the theft and has clearly indicated they will not be doing anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened a basic checking account at PNC Bank on XX/XX/2016. Starting in XXXX this year, they began charging me a monthly maintenance fee of {$25.00} without any prior notice. According to the account opening documents at that time, I should not be required to pay any account maintenance fees as long as I maintain a minimum balance of {$500.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: I.C. System, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received mail saying I owed {$630.00} from a bill through XXXX XXXX  for an account that I never opened that I.C System, Inc was trying to collect from me. I have never dealt with XXXX and never opened an account with them. I've never even dealt with any other phone service other than 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 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I expect expedited removal of the Fraud Alert on 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 non-monetary relief
Consumer complaint received 2023-01-19
Company: JPMORGAN CHASE & CO.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
On XX/XX/2022, I went to XXXX, WA branch of Chase bank to wire transfer money to XXXX. I wanted to send my sister XXXX XXXX yen, thus I asked bank agent is there any fee incur her to receive. He found out that XXXX XXXX yen would be charged, so I added XXXX. XXXX XXXX XXXX equaled {$430.00} at the day 's rate. I also paid {$50.00} transfer fee. At the end I paid Total {$480.00}. I let my sister know I sent her XXXX plus receiving fee of XXXX so she wouldn't have to pay any fee. 
However my sister only received only XXXX XXXX yen. She asked her XXXX XXXX the reason, Bank told her that they received only XXXX, the document showed XXXX was already taken as fee. XXXX XXXX said they charged fee of XXXX yen for my sister to receive. I also called the bank and talked directly several time. They explained money arrived Chase Japan and go through one other bank before come to their bank, however none of them charge fee. So XXXX has to be taken at Chase. I received copy of the documents from XXXX and emailed them to Chase agent. I went to Chase XXXX 4 times to discuss and called XXXX to dispute, but they do nothing, Chase had been insisting that the document indicate they sent XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: EQUIFAX, 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:
This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were 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, AL XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX XXXX Balance {$840.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX Balance $ {$1200.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX Inquiry : XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
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: Information belongs to someone else

Complaint:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX ; XXXX XXXX XXXX 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 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 2021-05-22
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home at XXXX XXXX XXXX XXXX XXXX in XXXX XXXX FL XXXX in XXXX and refinanced it spring of XXXX. The mortgage has been sold to a new servicer, Flagstar Bank. The current loan # XXXX was for {$370000.00} and I owe {$360000.00}. The last appraisal came in at {$400000.00}, but current valuations and comp 's are above {$450000.00}. As such, I contacted Flagstar to ask about removing PMI of about {$100.00} per month. They responded 4 weeks later in a letter stating that they would not consider the cancellation of PMI based on current value of the property, only through documented proof of property improvements. Doesn't this stipulation violate the Fair Lending Act? Can a lender arbitrarily force the customer to keep PMI even when the value of the home has risen significantly? Do I have any legal recourse, as this was not documented in the loan paperwork when I refinanced last year.

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 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Your records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00} ; XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$130.00}.

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 2020-03-22
Company: EQUIFAX, INC.
State: IL
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 sent it a dispute letter on XX/XX/2020 filing a complaint on inaccurate information reporting on my credit report to all three bureaus. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract. Under federal law, they have thirty days to complete the investigation and I received no reply. 

On XX/XX/2020, I sent a letter as a formal notice of my intent to file a complaint with the FTC reminding them that Under federal law, they have 30 days to complete the investigation, yet they have failed to respond. 

This is a violation of my rights and I am not able to move forward with my life with these inaccuracies on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: CA
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account/items information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, Discharged XXXX : Bankruptcy Reference Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: EQUIFAX, 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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 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 2023-04-24
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 Date opened 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 Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX Opened : XXXX XXXX XXXX1 Balance : {$500.00} XXXX XXXX XXXX XXXX XXXX Opened : XXXX XXXX XXXX Balance : {$1100.00} 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 2022-08-12
Company: EQUIFAX, INC.
State: TX
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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions 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 hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX XXXX XXXX Account XXXX It's showing that I've had five late payments. But here 's the thing, I've never been late on my payments for this account. 

Consumer Reporting Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up. 

I'd be really grateful if you could check into this for me. Could you send me copies of the statements where it shows these late payments? If it turns out there's no proof of my payments being late, then it's only fair that these be updated to show that I've paid on time - because I did. 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.

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 2023-04-24
Company: Experian Information Solutions 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 am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2022-02-18
Company: SUNRISE CREDIT SERVICES, INC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Upon checking my credit file I noticed a collection from Sunrise Credit on my report stating I owed XXXX XXXX I have never heard of this company nor done business with the company. Not to mention have never received any communication about the so called debt. I need this removed immediately off of my report and for this company to stop reporting to any and all agencies pertaining to this alleged debt that I do not owe.

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 2023-02-21
Company: Resurgent Capital Services L.P.
State: AR
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:
The open dates for are not accurate and the account numbers are invalid. Asterisks, never represents or corresponds to approproate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: NJ
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 contacted Equifax Inc. via United States Postal Service to investigate and validate accounts that were placed on my credit report. 

These letters were sent on : Wednesday, XX/XX/2022 Monday, XX/XX/2022 Please note that I did not receive a response from Equifax Inc. within the 30 day period of each of those letters. However, on XX/XX/2022, I received a letter from Equifax Inc. requesting that I forward them 2 forms of items to idenify myself. 

I forwarded them a copy of my social security card and NJ driver 's license on Thursday, XX/XX/2022 and have not heard back from Equifax Inc. to date.

Company response to consumer: Closed with explanation