BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
accordance with the Fair Credit Reporting act XXXX Account # XXXX and 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 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 explanation
Consumer complaint received 2021-10-06
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On a XX/XX/21 Coinbase announced that they were accepting the AXS token. On XX/XX/21 I transferred XXXX AXS tokens from my coinbase wallet to my coinbase account but the transfer did not go through. I contacted Coinbase about the issue, they said that I sent the old version of AXS and that they dont support that token. For the record both of these AXS tokens have the same ticker, which is AXS and when Coinbase announced they were accepting AXS, they did not explain that they didnt accept the old version of AXS. I will attach a screenshot of this email. Coinbase did not offer me any resolution to the problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-30
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello My name is XXXX XXXX At the end of XX/XX/2023 I had opened a High Yield Savings Account with American Express. all was going fine, My husband did a couple of money transfer from His XXXXXXXX XXXX account to my Amex account. Suddenly On the date XX/XX/2023 I received a letter from Amex stating that my account is getting closed. Then immediately I called Amex to ask how to get my funds back as the account is getting closed. They told me my husband need to call XXXX XXXX from which the money was transferred, and ask them to RECALL that fund. My husband spoke to XXXXXXXX XXXX, initially they tried to help by RECALLING it. Then we spoke to them again and XXXXXXXX XXXX said the RECALL can not work in this case as the account is already closed. Then again we got back to Amex telling what XXXX XXXX  has told us, and they said that's the only way the fund can be transferred back to XXXX XXXX< I also asked them if they can send me a Cheque to my address, they only kept on telling me to ask XXXX XXXX to Recall, now we also told them that the XXXXXXXX XXXX clearly said they can not Recall as the account is closed but Amex said that's the only way, This was XXXX XXXX with whom we spoke last on XX/XX/2023. I have posted this incident on XXXX as well, after which XXXX XXXX came forward to help us but after XXXX weeks of looking into the matter they said they can't do anything as the account got closed. Today XX/XX/2023 I posted on XXXX again after talking to Amex. I m frustrated and just don't know where to go who can help me, this money I kept for XXXX for My son 's education and now it feels like I am never going to get back. PLEASE HELP ME, if you can... 


Thank you so much XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My identity has been compromised since the year XXXX. The thieves used my stolen information to open a credit card with JPMCB. I found out about this situation in XX/XX/XXXX after receiving several credit application denial letters that I was utterly unaware of and didn't authorize. Afterward, after reviewing my credit report is when I become aware of this credit card account along with others that I didn't authorize. This situation is a major inconvenience and has significantly hindered my ability to obtain credit. I've attempted to dispute this account numerous times with no result.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
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 was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

( XXXX  ) XXXX XXXX XXXX Account Number XXXX. ( XXXX, equifax ) XXXX XXXX XXXX Account Number XXXX ( XXXX ) XXXX XXXX XXXX Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any actions.

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 2023-10-04
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 explanation
Consumer complaint received 2023-05-27
Company: Experian Information Solutions Inc.
State: GA
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:
Experian, XXXX, XXXX, are all three-reporting different information on my credit report when it comes to my XXXX  XXXX credit card # XXXX. Experian showing the company took a full right when they did not because I paid half in the settlement, so they did not take a full right off. 
XXXX - Is showing Payment after charging off. 
XXXX Is showing just charge off

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 2022-04-26
Company: Experian Information Solutions Inc.
State: AZ
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Collections XXXXXXXX XXXX- Account # XXXX All these accounts have 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 2023-08-24
Company: Experian Information Solutions Inc.
State: NY
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-05-13
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I applied and was approved for a Citi  XXXX   XXXX   XXXX . On the day I received my card in the mail, I also received a letter from  Citi  stating " We 're concerned about potentially suspicious activity on your ... '' It also states " We tried to call you to verify these transactions, but did n't reach you. '' Obviously the card was never activated and Citi never tried to call me. The letter asks me to call. I contact  Citi  and ask them to close this account. They attempt to verify my identify using my cell phone number, then my land line, and finally my work phone number. The Citi representative states they will call my work phone number, leave a code, and to call them back. I waited a day or two, having never received a call to my work line, and call them back. I go through the same process of attempting to verify my phone numbers and again do not receive a call from them.  Three to four  weeks later, on   XXXX  , I call and again go through the same phone number verification process only this time the Citi representative states that I will receive a call from a supervisor. I have spent roughly 1.5 hours on the phone with Citi representatives trying to close an account I never used. Unacceptable!!!

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 2023-10-04
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXX  reporting fraudulent activity on my account. I never had XXXX XXXX. I was a victim of identity theft and they are constantly reporting fraudulent activity. I asked for proof and they have yet to respond.

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 2022-04-26
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair credit reporting act EXPERIAN has violated my rights. 15 u.s.c 1681 section 602 A. States i have the right to privacy 15 u.sc. 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 

PLEASE SEE DOCUMETS I OBTAIN FROM THE COURTS STATING THAT THEY DID NOT FURNISH ANY BANKRUPTCY ON MY REPORT. 

EXPERIAN HAS YET TO RESPOND CERTIFEID MAIL # XXXX SENT XX/XX/2022 AND DELIVERED XX/XX/2022

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 2023-08-22
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
There is a bankruptcy showing on my credit and it shouldnt be as the credit bureau has no way of verifying this information with the bankruptcy court. The bankruptcy should not be on my credit as this information is not Verifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I sent this letter t o Citibank for a  dispute that a seller and I agreed upon for the service being provided but after more than 1 month of promising valued service, there were no expected results and the seller try to take off without providing service which is a fraud and a crime. So  Citibank " claims '' to  have sent me a notification to my awareness of responding to the situation, however, I  did not receive any emails ( which I normally do receive especially in response to disputes ) ab out the updated case, so they instantly closed the case expecting my response on  XXXX / XXXX /  XXXX   and reversed the transaction to the fraud seller, therefore me losing the case an  d having to pay the Citibank to a fraud seller.
So a chat representative suggested that I send Citibank a personal typed out mail which I did. I will attach the typed out mail that I sent in the attachm  ents below. I did receive their response to my letter and it was just a repetition of " Since no reply was received by this date, the dispute was closed. '' This did not help my case whatsoever with ALL   the evidence I provided to back up my case and that I was not wrong-doing in this situation. Citibank has helped a fraud seller gain and helped me lose. There was no consideration of the evidence that I provided for Citibank to reconsider. It was not my fault that I did not receive ANY emails from them for updated disputed cases.
Please allow Citibank to acknowledge the fact that they are helping frauds who do n't provide services to get away wit  h these cases which make their system very flawed.     Thank your reading.

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 2017-05-12
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We previously filed a complaint, #  XXXX . The servicer responded stating they acknowledged the mistake and were fixing it. It has been 6 months and still has not been resolved. Our client continues to get letters threatening foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I got scammed last year, where in a person claiming to be from Concession Solutions XXXX XXXX XXXX paid XXXX towards my XXXX XXXX bill, and asked me to pay XXXX by Money Order to account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America on XX/XX/2022. The XXXX bill payment was then reversed. I filed a complaint XXXX XXXX XXXX with the US Postal XXXX, XXXX with the XXXX XXXXXXXX Police Department and XXXX XXXX XXXX MO Attorney General at the advice of the Office XXXX XXXX ( XXXX XXXX XXXX Bank of America closed this saying they would work with law enforcement, but not the XXXX who they identified as a compliance/regulatory agency. Communication and screenshots are attached. 
I reached out to Office XXXX XXXX who filed my report multiple times by various means and updated on the response from Bank of America, but there hasn't been any update on this complaint progressing.

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 2023-05-19
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/XXXX - two charges on my XXXX  XXXX XXXX XXXX XXXX XXXX. 
Contacted XXXX right away and they began an investigation. My credit card was than taken over by Comenity Capital Bank. No work from them until XX/XX/XXXX. 
Charges were put back on my card with no explanation. After contacting your agency ( see my original complaint on file ) as well as XXXX, these charges were again put on hold and the interest credited back. My latest bill has interest and fees added-again with no explantion. I have contacted Comenity again as I have with each bill so they know I am not ignoring the charges. I have also been in touch with XXXX corporate office who promised to look into the matter. 

The response you gave is over one month old. If possible, can you ask Comenity for an update on the investigation with XXXX? I have not received any information from either party. 

Thank you for your help, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: FL
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:
IN ACCORDANCE WHIT THR FAIR CREDIT REPORTING ACT : XXXX XXXX XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PROVACY.

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 explanation
Consumer complaint received 2023-10-30
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have a Visa credit card through Truist bank which I have had for well over 20 years starting with SunTrust who was recently acquired by Truist. I had fraudulent charges occur on XXXX & XX/XX/2023 which we reported as fraudulent immediately. I received a email from Truist with a case # XXXX instructing me that these charges would be removed and to make the minimal payment for future charges. We always pay the complete balance owed for monthly receipts charged on the card. I have been told by supervisor XXXX XXXX back in XXXX that her goal deadline was 2 weeks after hearing no reply from her I contacted my local branch manager XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX  reached back out to our business and told us the same thing they are looking into it. I again called a supervisor on XX/XX/2023 XXXX XXXX she explained she was going to escalate the claim and contact me back in 48 hours which never happened. Once again we have reached out to a supervisor XXXX XXXX on the XXXX of this month XXXX to be told yet again that charges were being investigated and she would once again put in another request for escalation for review. The whole time they are doing these supposed reviews I am being charged processing fees and interest fees on the fraudulent charges in question. XXXX did admit that this was not normal practice. Please assist us as we are a XXXX XXXX XXXX business which needs help resolving this. I have full documentation as well as dates and time lines to corroborate any statements listed above Thanks, 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: NM
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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 non-monetary relief
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting 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 XXXXXXXX These accounts are not mine, I do not want them on my credit report, I need them to delete them.

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