BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Transunion has a closed student loan account that is reporting inaccurate information on my credit file. The account that is closed is in the amount of {$2300.00}, this is inaccurate as I have no loans in that amount. When I refi the student loans with XXXX all the loan amount were included does not have the amount Reported by the This accounts is inaccurate and it violates consumer law statute. The statute that was violated is 15 U.S. Code 1681e ( b ) and Transunion is civilly liable under 15 U.S. Code 1681n

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 2019-11-16
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I contacted the debtor on XX/XX/XXXX requesting my signature proving this is my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
They denied me of opportunity to get credit and title 15 subsection title, 1611 faults and misleading deny of my own credit and theyre sharing and reporting bad information about my credit with other bureaus15 USC 6802, 15 USC 6803, 15 USC 6804, and 15 USC 6805

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 2024-01-08
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
It has come to my attention that someone has altered my name associated with my social security number. Per conversations with the social security administration there was activity unauthorized and unknown to me regarding my legal name as associated with my social security number. 
I have reason to believe that I may have been or will be the victim of bank and financial fraud. In particular certain marital assets and trust assets held at SunTrust, XXXX XXXX SunTrust XXXX XXXX XXXX XXXXXXXX XXXX and also XXXX XXXX may be at risk. Such bank branches primarily located in XXXX and/or XXXX, TN. 
I seek your help on how to flag any accounts held in my name or for my benefit. In particular, how to ensue any transfer or removal of my rights to custodial assets. 
I have reason to believe the trust assets involved evade [ $ XXXX ]. As of [ 2014 ] the assets have been a part of a civil dispute. I have not authorized any transfer of assets held in my name or for my benefit. 
Unfortunately, trust officers at the aforementioned banks may be incentivized ( or misled ) to commit fraud. The law firm XXXX XXXX XXXX XXXX  office, at XXXX XXXX XXXXXXXX, has a long history representing the trust and related accounts at issue. 
I seek your help to assure my accounts are held and protected in accordance with all applicable laws and regulations. 
Thank you, 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 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-08-02
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have never received any attempts from XXXX to collect a debt and haven't used them for >2 years. I received a collection notice from Convergent Outsourcing , Inc. stating I had a debt of {$37.00} from XXXX XXXX for recovery of 70 % of the debt, and I could pay 3 different ways, Online/Phone/Mail. I went online to try to pay the debt - they had me enter the account number from the letter, my last 4 of my social security number and my zip code and my last name. The website will not accept my information to " locate my account. '' When I call the phone number to try and pay, half the time they state " please call back during regular business hours '' and the other time they have a recorded message stating " there is not a representative available to take your call, goodbye. '' In short, this seems to be a phishing scam/fraudulent company that is hoping someone will just give in and mail them the check instead of verifying the debt.

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 2020-08-03
Company: Coinbase, Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2020 my Coinbase account was restricted, they asking for my SSN which I dont have, I cant buy nor sell my cryptocurrency, all I want to do at this point is retire my funds transferring the money to my bank account which is in their system, the very same bank account that I used to buy crypto, my  funds are around 4K to 5k dollars as right now, I invested around 3.5 k dollars, all I wan na do is to get my money, they are keeping my funds hostage ( basically they are stealing my money, is this legal? ) I have tax Id number and Ive paid my taxes every year that I had income, I hope they dont get away with this scam letting people like my self opening accounts not requiring ssn to do it and then freeze the account asking for ssn and keeping the money, please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 some issues on my credit file that need addressed I have requested documentation from the following collections agencies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete the above accounts they are not accurate and unverified XXXX FCRA violation.

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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a 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 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Under 15 USC 1681, 15 USC 6801, and 15 USC 6802, XXXX loans should not be on my credit report. These need to be removed from my credit report as there was no authorization, substantiation, written verbal or oral communication for the information to be reported, and is illegal to be on there according to the consumer laws. This information is to be deleted immediately as it is effecting my personal life and credit worthiness, and causing adverse 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 explanation
Consumer complaint received 2021-11-30
Company: OPTUM BANK, INC.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I submitted a Trustee to Trustee form from my new bank to my old HAS bank ( XXXX ) and they they mailed a check to my new XXXX bank ( Optum Financial ) on XXXX. XXXX is showing that the check was cashed on XX/XX/XXXX but Optum has been unable to find my funds and deposit them in my account. 

I contacted Optum in mid-XXXX asking where my XXXX funds were and they told me that it can take 6-8 weeks for a transfer to be completed and to wait until XXXX to see if the funds were deposited. I contacted them the week of XX/XX/XXXX because my funds were still not in my account and they told me that they would launch an inquiry. During this time I received the check number and amount as well as where it was mailed to from XXXX. Optum completed an inquiry and never contacted me to let me know that they could not find the check. I had to follow-up with Optum only to find out that they had closed the inquiry and could not find my funds. I double checked the mailing address, check #, check amount, and check clearing date with XXXX. XXXX was also able to send me a copy of the check. 

I reached back out to Optum on XX/XX/XXXX and told them that the check had been written to Optum Bank XXXX Optum Bank changed to Optum Financial so they are the same institution ) and the CSR so that it was not their problem and they would not launch another inquiry into where the check was because the check was written to the wrong institution, even though I had proof it was mailed to their XXXX XXXX and had been cashed. Their customer service has been wholly unhelpful and has most recently recommended I have a conference call with them and XXXX in order to find out where my money is even though they have clearly been sitting on it for XXXX months. XXXX told me that Optum has a history of cashing all checks they receive and putting them in a holding account until they determine where the funds should go. 

What I can't get over is that a financial institution does not have solid enough records to find a check based on the Financial Institution it was received from, the check number, and the amount the check was cashed for. This has been an altogether frustrating experience and I am still trying to determine where my funds are.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account has been blocked for no reason and I cant access my funds. Its been weeks now and my funds are needed for my familys everyday necessities including rent. This has caused exorbitant XXXX  and inconvenience for my family. 

I have filed complaint with Citibank Executive Response Unit at : XXXX Case Number : XXXX Case XXXX : XXXX Account number : XXXX Account type : personal checking account Account holder Name : 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 2020-08-02
Company: JPMORGAN CHASE & CO.
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:
Hello, This is in reference to a vacation I booked through Chase Travel using my Chase credit card. This is one of my last resorts as Chase has completely failed to assist with the issue at hand and has passed this issue from department to department without a resolution. I booked a hotel in XXXX, XXXX for XX/XX/XXXX for 3 days, the hotel ( XXXX XXXX in XXXX ) was closed during this time due to Covid-19.  Additionally my wife and I were unable to travel due to my wife being an essential worker and the stay at home order sent down by the State of New York where we reside. This issue was first discussed in XXXX which we disputed the charges due to the global pandemic and Chase using the guise as Chase Travel which I believe is actually XXXX has had no engagement with this process except for declining the issue as stating this dispute is not valid even though the hotel was closed and the global pandemic prevented us from traveling. Since the hotel dates have passed the said they could not refund us our money because our trip has passed and they have no record.

We called again and Chase Travel said they can only give us a voucher for the trip. They repeatedly were ambiguous and only acknowledged our trip with our itinerary number after we said we would accept the voucher. Which is in processing now.. 
This is to dispute Travel transactions for a trip booked on XX/XX/XXXX on credit card # xxxx-xxxx-xxxx-xxxx, exp. xx/xx, Name : xxxxxxxxxx This tripped was booked under Chase Travel with understanding that this was a secure and confident booking. Due to Covid-19 my wife ( xxxxxxxx ) and I can not travel due to the virus and events that were planned were cancelled because of these extraordinary circumstances. 
1 ) Transaction # XXXX XXXX Amount {$1100.00} -Date XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE TRIED TO CONTACT XXXX XXXX XXXX XXXX XXXX XXXX THE ENTIRE WEEK DURING WHICH WOULD HAVE BEEN OUT STAY AND THE HOTEL IS CLOSED. THEY CAN NOT PROVIDE SERVICES BOOKED. A REFUND IS UNACCEPTABLE. I EXPECT A FULL REFUND. THE HOTEL HAS BEEN CLOSED FOR SOMETIME NOW AND THEY WILL NOT COMMUNICATE WITH THERE CUSTOMERS. A VOUCHER IS NOT ACCEPTABLE DUE TO TRAVEL ISSUES AND RELIABILITY OF THE HOTEL TO PROVIDE SERVICES. PLEASE ADVISE. 
Sent 6 letters thru my Chase account under secure letters on:XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. Also called over 30 times  between XXXX and XXXX. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: PNC Bank N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
To Whom this may concern, I am writing to file a compliant against PNC Bank. In XX/XX/XXXX we applied to a Debt Management Program and since then have been trying to get our PNC Bank credit card on this program. We have reached out and discussed this with PNC Bank several times, but have been given the run around. They have admitted to our Debt Management Program that they have received our proposals and information several times, but that they are not responding or processing our requests. This is affecting our accounts in a negative manner. We have since gone past due on the accounts and it is negatively affecting our credit score. We have been making payments through our Debt Management Program, but this is not satisfactory for PNC Bank. However they will not give us a direct answer as to why they are not working with our Debt Management Program. Currently they have written us a letter of Default for this account with a payment including fees and charges that would otherwise not be on the account if they had responded to us back in XX/XX/XXXX. The total due now for that account is {$640.00}. They are requiring {$310.00} to be paid by XXXX XXXX. This account is currently closed due to our request. We are asking that the proposal be applied onto our accounts immediately and backdated. Also that our past due balances be removed and that any negatives be removed from our credit report. We greatly appreciate your help in this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company states that they are arbitrator of XXXX XXXX. They state that I opened this payday loan on a bank account in my name. I do not know an information about this. This law group is using abusive and taunting tactics to exploit. I have asked several time to put all of this in writing. Apparently with their arbitrator this is in active court but can not or will not provide further information. I donor have knowledge of this and I am asking for proof of their claim or STOP CALLING and Provoking 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 2021-02-12
Company: Statebridge Company
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Statebridge company calls repeatedly and has reported my debt unpaid for 60 days. 
I paid online in XX/XX/2020, but requested information to pay without incurring a {$5.00} processing fee. 
I was directed to use bill pay. 
I paid {$190.00} on XX/XX/XXXX I paid {$95.00} on XX/XX/XXXX These were processed by bill pay through XXXX XXXX. I have the records on my bank statement. 
Statebridge does not have any way to contact them. They keep customers on indefinite hold and have a fake answering machine service and is impossible to access.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I filed a dispute with Experian successfully yesterday. It was a simple deletion of incorrect previous address. I was notified by email the dispute was resolved and verified it. However when I looked at my score it dropped by 8 points. I have lived at my current address for 10 years and my previous address for 5 years. Nothing on my credit report has changed. All my accounts are current and never a late payment. Nothing changed on XX/XX/XXXX from my previous score update, other than filing the dispute. The other 2 credit reporting bureaus have actually raised my score by 6 points each, in the last week, so the only possible reason for the score and credit worthiness drop was from filing the dispute. It was my understanding this should have no reflection on my score, yet an 8 point drop in one day is horrible and I want it 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 2024-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
My credit card is with bank of America visa, as of recent my credit card balance was reduced from XXXX to XXXX despite making monthly payments. with bank of America ive also had large sums of money go missing from my checking account.

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 2019-01-05
Company: CITIBANK, N.A.
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 XX/XX/XXXX I received a call from Citibank N.A.  asking if I had received my check from the settlement between them and the CFPB. I said I had no idea what they were talking about, they explained it and said they would send another check. I should have my refund before XXXX. 

So I waited until XX/XX/XXXX or very close to that date, and I was online with chat and then made a call and talked with a person about it. She had a very disrespectful attitude and told me that the check was in the mail. I called again XX/XX/XXXX and they told me I had to talk to their 3rd party company, they told me it was mailed XX/XX/XXXX and I should wait for it. I told them that I work for the Postal Service and I know how long mail takes and this sounds like a stall tactic. So today XX/XX/XXXX I am talking to a person who told me that they would cancel the check and it would take 40 days or more to get a new check to me. I have used the same address since XX/XX/XXXX.  So if it was sent I should have had it. 
My problem is this : If I was one day late past the deadline they would charge me a late fee, and put a hit on my credit. For 7 years? or something like that. But they get to use this money and are still using it as for as I can tell, to get interest or be invested however they wish with no penalty or pressure on them at all. Any penalty that they paid to you did not benefit me it just went to you I am sure. 
I also feel that I am talking to people who have no power at all to make it happen. They just give excuses that were provided for them, and just keep delaying the payments.

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