BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I live on XXXX XXXX and took a direct hit from Hurricane Ian. I called them when I was able to finally get phone service back and they told me they weren't reporting late payments for 90 days due to Ian. I have always and am currently in good standing with them. This is holding up my credit as I'm trying to buy a house. XXXXXXXX XXXX XXXX with XXXXXXXX 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 2022-10-27
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/XXXX IM WRITTING THIS EMAIL BECAUSE CHIME FAILED TO PROVIDE ME WITH PROVISIONAL CREDIT FOR A TRANSACTION THAT WASNT SUPPOSE TO GO THROUGH. 

THE TRANSACTION IS FOR {$160.00} CLAIM XXXX AND I WOULD LIKE TO RE OPEN THIS CASE AND HOPEFULLY BE ABLE TO GIVE MY MONEY AS QUICK AS YOU GUYS SAID NO TO AN UNATHORIZED TRANSACTION. 

That was the email to chime after providing documents that they double posted my account, spoke to the manager at the time and was the worst possible experience Ive had at any bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
VIOLATION OF FDCPA

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 2022-04-29
Company: MRS BPO, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I mailed a cease and desist letter to MRS BPO on XX/XX/2022 not to contact electronically or phone to myself, any family members, neighbors or friends. For about two weeks the calls stopped. For the last four days they have called daily.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
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:
XXXX XXXX  bankruptcy dismissed 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 chapter 13 bankruptcy dismissed. I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-04-18
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Comenity Bank/ LNBryant. I paid my XX/XX/XXXX statement in full before the XX/XX/XXXX due date. Comenity Bank access me a {$2.00} interest fee on a {$0.00} balance for XXXX. Unbeknown to me Comenity Bank generated a bill for {$2.00} that was due on XX/XX/XXXX. Mean while I'm thinking that I closed my account in good standing, they are reporting me 30 days late to XXXX causing my score to decrease from XXXX to XXXX. I contacted Comenity bank who informed of the {$2.00} which I paid. They credited my the {$30.00} late fee but once I requested to speak with a supervisor to closed the account. The supervisor tried to explain to me the closure process which I stated was unnecessary They then proceeded to closed the account while reporting the XXXX that the account was delinquent with me owing them {$14.00}. I file a dispute through XXXX concerning the matter. They just reported back to me on XX/XX/XXXX with a result of account being in good standing but yet still showing 30 day delinquency for XXXX of XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: FL
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 following accounts have violated my rights as a consumer : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXXT Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX 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 : 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 2019-07-10
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have previously asked Tower Loan of XXXX, Ms not to call me at my job and they called and left a message that was taken by my coworker. XXXX left a message to give him a call

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 2023-03-23
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2023 at XXXXXXXX XXXX PST I received an email from " Coinbase Support '' informing me that there had been a suspicious login attempt on my account ( see attached email from " Coinbase Support '' ). Upon receipt of this, I tried to open my coinbase wallet, but was unable to do so as it would not accept my PIN. I then replied to this email at XXXX XXXX  PST ( see attached email from me ) giving the information requested. On XX/XX/2023 at XXXX XXXX PST I received another email from " Coinbase Support '' again informing me of the attempted suspicious login and telling me what to do in order to have my account secured ( see attached email from " Coinbase Support '' ). On XX/XX/2023 I followed the instructions in the email and created a new Coinbase wallet using a recovery key provided in an attachment to the aforementioned email secured by the last six digits of my SSN. Since it had been secured with my SSN, I had no doubt that it originated from Coinbase. I also discovered that, following my corespondence with " Coinbase Support '', I could now unlock my old wallet with my PIN. I then transferred the XXXX assets from my old wallet to the new one at XXXX XXXX PST. By XXXXXXXX XXXX PST, I noted that about half of my XXXX had been transferred out of the new wallet. A couple of minutes later, the remainder of the funds were drained as well leaving a balance of {$0.00}. I sent an email at XXXX XXXX PST to " Coinbase Support '' ( see attached ) asking them to advise me on what was going on asap. I also got on the phone with Coinbase Customer Service and explained the situation to them. They initiated the above case number and said it would be escalated to their security department. While I was on the phone with them, all of the emails from " Coinbase Support '' disappeared from my email account. The following day, I called my email provider and was able to recover the lost emails. I discovered that a spurious filter instruction, " Deliver to trash if 'From ' contains 'coinbase ' '' had been applied to my account. I immediately deleted the filter and changed the password to my email account. On XX/XX/2023 at XXXXXXXX XXXX PST I received yet another email from " Coinbase Support '' ( see attached ) requesting more information in order to aid with the investigation of my case. I called Coinbase Customer Service again to see if this last email was legitimate. I soon learned that it was from the same scammers. I was also advised to forward all of the emails pertaining to this matter to : security @ coinbase.com. I have copies of the blockchain transactions that I was able to download from Coinbase. Please let me know if these or any other data that I might provide that would aid in your investigation of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Incomm Holdings Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
XX/XX/2022 I purchase two {$100.00} prepaid XXXX XXXX and XXXX XXXX XXXX. I was unable to spend them it kept showing no money. available. I phone XXXX on XX/XX/XXXX and reported it. I provided them with the card numbers and I was told the cards had been used to pay XXXX insurance and XXXX. I advised I never used the cards and they were presence the entire time. I was told a fraud investigation would occur and I would be emailed documents in 7-10 days to complete and return. I was provided a claim number. I never received the emails. 
I phoned a second time and spoke with a representative provided my claim number and was advised the same scenario and to look for an email from XXXX. Today no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Their investigation did not fix an error on your report

Complaint:
In XXXX an unauthorized account by the name of XXXX was being reported on my consumer profile. In XXXX XXXX charged the account off and sold the debt, a 1099-C was never issued pursuant to 431 IRS Rule. I disputed this account in XXXX with XXXX and Transunion, unfortunately it was not resolved. Due to this account being fraudulent there is severe misreporting. Transunion is reporting a high balance amount while XXXX reports XXXX as a high balance. The open dates for the account are very different ; Transunion is reporting an open date of XXXX and XXXX is XXXX XX/XX/XXXX. Lastly, Transunion says this account is a " Variety Store '' while XXXX says it's a " Credit Card ''. This account needs to be removed immediately, it's placement on my consumer report has caused grave damages.

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 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX. Agreed to delete their credit line off of my credit report. Since then they have deleted it from XXXX and XXXX, TransUnion is still showing this report. ive mailed certified dispute letters to XXXX XXXX XXXX XXXX, and since I have received a certified letter from their lawyers, stating that they will delete this tradline from all credit report agencies. I have sent a certified letter to TransUnion and disputed this already.

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 2021-03-18
Company: Columbia Collectors Inc
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A prior landlord has attached {$8900.00} on my credit report. I did not owe him anything when I moved out. He has never got a judgement against me for this amount. I went to mediation with the collection agency who was suing me. The case was thrown out due to the prior landlord obviously altering paperwork he submitted. Yet, this invalid debt remains on my credit report, despite me trying numerous times to have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: CITIBANK, N.A.
State: AZ
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. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2023-04-14
Company: EQUIFAX, INC.
State: PR
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 CARDS XXXX XX/XX/2023 XXXX XXXX NA XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: TCF NATIONAL BANK
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I filed a dispute for fraud on XX/XX/XXXX for 2 transactions with XXXX, after some time TCF denied my claim, and then denied my appeal. after I filed a CFPB claim they agreed to help me " recover the funds '' from XXXX. 10 days later I received an e-mail from XXXX that the funds from these transactions had been withdrawn and TCF now had the funds in their possession. However to date I STILL have not had these funds credited to my account, why is TCF holding onto these funds that are rightfully mine?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: Harley Davidson Financial Services Inc
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
After contacting Harley-Davidson Financial Services and later CFPB regarding my issue of applying SCRA benefits ; my benefits still do not reflect on my online billing statement. I had waited for this to update and be resolved by the company, as I was still being charged beyond the 6 % interest rate per the SCRA benefits. 

Now they have reported my account as delinquent, which shows up as " negative '' on my credit report. I have tried resolving this with CFPB reportings, but HDFS continually fails to comply with both SCRA and CPFB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Southern Management Systems Inc.
State: CA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive including the police report with all the information I have pertaining to this situation. Ive sent a copy to all parties involed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
NAME : XXXX ACCOUNT NUMBER : XXXX This account shows late payments on all 3 bureaus & XXXX shows balance of XXXX $ which is incorrect, I'm uploading proof of statement, this account needs to be updated/corrected..never late.. 

NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX shows late payments, I have never been late on making these payments ever.. payment history needs to be corrected!

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 2023-05-23
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
TD Bank send me an email promotion with a special offer of 4.5 % APY if I transferred {$10000.00} of new money. I opened the account and deposited {$10000.00}. 
There are many issues with how they offer this product including making it increadibly difficult to actually get the rate. ( Liking to a checking, which they dont make clear when opening the account, or other ridiculous hurdles ) The rate they are giving me is only 2.96 % and after 3 calls and 1 branch visit and 2 hours of trying to remedy, they say my offer doesnt exist. 

I still have the email as proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intentness to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated as the accuracy and verification of the information. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the XXXX period preceding the date the subsequent report is furnished. Please fix the account : 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 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
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 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 2023-10-17
Company: FIRST CITIZENS BANCSHARES, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
XXXX SC XXXX XXXX XXXX  
Reference num. XXXX
Account from XXXX XXXX XXXX

For the amount of XXXX
I never seen herd of these people or company ever

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Experian Information Solutions 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:
I reviewed my Consumer Reports and noticed that I had late payments or was placed as charged off on several accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts nor they are charged off : 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 2021-06-15
Company: WELLS FARGO & COMPANY
State: AZ
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. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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