BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-01
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:
XXXX XXXX XXXX XXXX. Amount : {$38000.00}. XX/XX/2022. The information they are reporting on my credit report is inaccurate. I reached out to the company and requested a copy of the contract and any consent forms with my signature but to no avail. 


In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 an account without my written instructions.

15 U.S.C 1692 Section 805 ( a ) States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 U.S.C 1692 Section 805 ( a ) Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

15 U.S.C 1692 ( g ) section 809 states a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector.

15 U.S.C 1681 ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S.C 1666 ( b ) states billing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
The US Bank issued the Fidelity 2 % Cashback card in a " bait and switch '' scam. I opened an account 2 years ago, paying the full amount every month. In XXXX XXXX, I bought $ XXXX of e-gift cards for my family members with receipts and emails showing recipients are my family members. I paid the full credit amount as usual. They waited until I paid off my credit card and closed my account and not giving me any option to redeem my points which I have accumulated over the years, with XXXX dollars ' worth. 

I called XXXX and talked to an agent and then supervisor on XX/XX/XXXX XXXX PST. They refused to discuss the nature of any of the transactions and insisting that it is within their power to stop giving me a line of credit any time they seem fit and that they have the final say in this decision.

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 2021-01-19
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My chase bank account was closed on XX/XX/2020 and till this moment Im yet to receive my money in the account {$4500.00}, they said the account was closed due to suspension activities, all my effort to talk to them on phone and in branch as yield nothing, they threatened with FBI investigation I dont know why cause all my money in the account was either from my XXXX account or XXXX  which is from friend family and business. Please I need you to look into this as its taking forever and no one will tell me when Im getting my money back, I XXXX XXXX XXXX XXXX and Im not getting any income all my money was in the said CHASE BANK ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 XXXX XXXX and I am submitting this XXXX Complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX  to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

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 2021-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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 2020-09-24
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Synchrony Mastercard through Sam 's Club XX/XX/2020 XXXX XXXX/ Business Card XXXX XXXX Fraudulent charges for XXXX XXXX in XXXX , Hi. For {$730.00} and finance/late fee add up to {$370.00} as of todays date. Plus no credit for a returned laptop 3 days after purchase in the amount of {$640.00}, No credit adjustment has been made. 
I called the card immediately upon receipt, and put in a fraud claim, I was assured that it would be taken care of, and they suggested I cancel my card and get a new card with a different number. I did, and Synchrony applied the old charges to the new card. I called again, they put me on hold several times, and assured me again that adjustments to my account would be made. The bill arrives again, and no changes or credits have been made. I should have a XXXX balance. This was my 10th call. 
I called again today, with no results, and hung up on after being on hold for an hour. 
The fraud department, even when I asked for a supervisor, was not willing to help. I got the same answer, that they would have to Investigate. Synchrony bill collectors, are now calling twice a day, harassing me for payment.

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 monetary relief
Consumer complaint received 2024-01-11
Company: Continental Finance Company, LLC
State: GA
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:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA XXXX entitled to XXXX dollars per violation and clearly they violated my rights.

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 2023-03-01
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
From XXXX through XXXX I lost over {$90.00} using Trading platform called Coinbase. 
I downloaded on my XXXX via XXXX XXXX and followed all the directions. 
It mostly happened during converting my crypto. 
I couldnt convert my crypto in many occasions, and that repeated over that period of months, it must happened over a dozen times. 
I reached Coinbase support in various times. 
Coinbase support denied any wrongdoing and said that It was because of price changes. 
I just dont believe it, because in various occasions for example, during trading XXXX must tried a dozen times over and over and still got the same email about not be able to convert. 
I also have other issues with Coinbase trading platform performances.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-19
Company: Duvera Billing Services, LLC
State: NV
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:
Utilized small loan service Duvera to assist purchasing a puppy with an understanding I would have until XX/XX/2020 to satisfy the amount due. Duvera assigned the loan to XXXX. XXXX applied an appalling amount of interest to the loan. In my constant calls they were unwilling the allow me to satisfy the account so that they could continue to charge insane and illegal amount of interest daily. Once I finally had satisfied the account, they continue to report me as having a monthly payment and balance due. I have called and again they are unwilling to assist by updating their reporting to the bureaus. I am requesting all interest refunded, and credit reporting updated to reflect as paid in full/satisfied. This reporting continues to negatively impact on my ability to receive credit. This company is engaged in continual predatory lending practices, and are acting maliciously against me. They need to be closed down! Where are consumer protections?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: DISCOVER BANK
State: IL
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:
I have been a victim of identity theft for years. My wallet was stolen from the airport back in XXXX. As a result accounts were fraudulently opened in my name. I have made several attempts to both the credit bureaus and company. 

XXXX XXXX $ XXXX Discover {$6500.00} XXXX XXXX. Amount unknown. 

Also back in XXXX I had a roommate for college with XXXX XXXX. The company keeps selling the account and putting it back on my credit report as it has already reached the statue of limitations. I should not be responsible for this. 
Account : XXXX  Please help me to get these items removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act Account Number XXXX in the amount of {$400.00} 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 states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Experian Information Solutions Inc.
State: NV
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 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 2019-04-09
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: Their investigation did not fix an error on your report

Complaint:
There are repeated disputes sent to Experian concerning XXXX of XXXX and XXXX accounts. There is also an open bbb complaint that has not been responded to as well. I received a generic mail response on today stating I need to state why I believe information is inaccurate or incomplete. My bbb complaint, as well as all of the other disputes clearly state that the reason for the dispute is the information on these accounts is being partially reported containing unknown data and does not list a complete and accurate history of the account and if 100 % complete history could not be verified to delete the accounts. The portions of the account history is being listed as unknown which was stated in every dispute however Experian refuses to correct the data and provide known data for the unknown portion of the account to bring the accounts to 100 % accuracy. There were a total of 11 accounts. 2 of which were deleted having been disputed for the same reason. However there is a constant run around concerning the remaining 9 accounts with the same problem. The method of their verification was requested. They refuse to provide information on whom they spoke to and the method that was used to verify the data and correct this unknown data information ( which obviously isnt verified because a portion of the all of these accounts is still listed as unknown ) and how they went about verifying the data so that I can follow up with the exact individual of whom provided them with this information. Also all unauthorized inquires were requested to be removed. The only authorized inquiries would be from XXXX XXXX, XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX. Supporting documents contAining my signature authorizing such inquiries is requested that gives them a right to report such inquiries. They were also requested to remove incorrect address information. I live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX. Any other address listed is incorrect. A total of 8 disputes were sent via mail and online and a bbb complaint has been submitted dating back to XX/XX/19 up until now. Also I am only disputing XXXX XXXX XXXX and all XXXX accounts however disputes are being opened by Experian for things that I have not requested Re-investigation for. Reporting accounts in an incomplete form is against FCRA and unknown account information must be corrected. The reason for dispute has been stated several times, However either they do not respond to letters or they ask for information to be provided which they have already been made aware of in the dispute.

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: USCB Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have not supplied proof under the doctrine of estoppel silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

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 2022-10-12
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/2022, XXXX XXXX, Branch XXXX at PNC Bank refused to dispense funds from my checking account after I provided my valid government issued identification and debit card. He insisted that I come in the branch to complete paperwork. I am XXXX and have mobility difficulty that I am overcoming. XXXX asserted that even if I came into the branch, no one was available to help me indefinetly. I was effectively denied service. Please help me get my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have three accounts with XXXX  ( XXXX XXXX ) that have not been accurately reported since XXXX of 2022. I have disputed this information with the credit bureaus and have yet to receive a response. It is showing I still have balances on these accounts impacting my score negatively. Today I have attempted to send a message and I keep getting an error saying there was a " glitch '' that my message couldn't be sent. One of the accounts has been closed since XX/XX/XXXX and they have not updated my report to reflect this either. XXXX also refuses to answer there phone lines it seems as I have waited hours multiple times to have this resolved.

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 2021-01-19
Company: JSZ Financial Co., Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The land lord and property manager got angry when I decided not to renew my lease because the house was in extremely poor living conditions. I paid the final XXXX that rent and moved out early due to relocation for woek. After that I received an alert that I owed a debt ofa little over XXXX. This has effected me and my family o have a XXXX and XXXX XXXX XXXX and it's impossible to secure a lease for a good price with this fraudulent debt on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation