BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-07
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 XXXX XXXX  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 non-monetary relief
Consumer complaint received 2024-01-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I opened the account and a week and a half later they closed it because I found some laws Title 15 Sub-section title 1611 faults and misleading denial of my own credit .that states that you can not deny one person of their own credit, and they close my account because of that. The arbitration agreement states.15 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 2024-01-10
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
My father needed to cash his check at the US bank location inside of the XXXX 's at Address : XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX. I was being helped by the manager XXXX XXXX. He asked if we had an account, and we let him know we did not. He asked if we have an account. We told him we did not but his pension through the roofers local allows him to have his checks cashed with no fee and no need for an account. We have been coming to this location and cashed checks before. He again asked if we had an account or wanted one. He said he can not find my father on the system. He started asking for my fathers ' social security number. I told them we will not provide that and he said he has to have that to cash his check. I said that didnt sound true and he should never be asking a senior for his ssn. I told them this was unacceptable and it took a lot to get him ready to go all the way down to the store and not get assistance after doing this for almost the last year with hardly any issues. This is the second time coming to this branch and getting harrassed and mishandled to just get a check cashed with out any fees and having to open a bank account. This branch continues to ask for unneeded info and try and get us to sign up for an account when we do not want to. Since we do not, they make it extremely hard on numerous occasions to cash my fathers pension check. Something needs to be done about this branch and the manager XXXX XXXX. I call the corporate number XXXX to complain. I asked to file a complaint and was not a customer. They placed us on hold for 10 minutes. They got back on and said " we need to pull up a form so you can file your complaint and it will be a few more minutes. ' '' I got placed on hold for another 10 minutes ( 20 mins total ). The agent got on the line and said we need to have someone contact you back. This is 100 % no one cares, no one is going to help and there is nothing anyone is going to do about it. I want action taken as this service all around was pitiful.

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 2024-01-10
Company: COLUMBIA BANKING SYSTEM, INC.
State: OR
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 a deposit had cleared and was available by the Treasury dept for back pay for XXXX benefits. Amount was XXXX. The bank felt there was a mistake and restricted my entire account. I attempted to transfer online to another institution it processed the bank manager stopped it. The ATM declined my request to withdraw and the bank refused to allow me to withdraw from my account. They said they wanted proof that the money was mine and not fraud or a mistake made by the Treasury. On XX/XX/XXXX I returned with proof from the social security office confirming that the deposit was for me. The account was then released to withdraw. But because they discriminated against me by believing that someone like me could not have that amount of money. They have always been rude and shaming. They had no reason to question that deposit directly made from the government and then to withhold not only the amount of the deposit but froze my entire 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 2021-03-04
Company: Coinbase, Inc.
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am unable to access my funds after almost 3 months, I have sent more than 20 messages and tried to contact through different social networks, but no response. I can't use my savings and have lost money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-15
Company: KEYCORP
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2021 I received a notice of late payment identifying a mortgage amount with which I was unfamiliar. The notice indicated I was late on a payment of {$5200.00}. My monthly mortgage payment up to that point was {$4500.00}. The change was apparently due to an increase in my mortgage escrow. I never received notice of the change. As such, my regular payment was made but it Key identified it as late because was short. When I called, on XX/XX/XXXX, I realized this and asked the agent to advise me as to how much I needed to pay to make up for any shortage. He told me i needed to pay {$680.00}. I paid it. 

Evidently, the indication from KeyBank to pay {$680.00} was incorrect. Unbeknownst to me, I also owed for XXXX as the escrow had increased for that month as well. The agent failed to indicate all amounts due at the time and I only paid one payment of {$680.00}, despite the fact that two such payments were due. In addition, the agent failed to apply the payment so it evidently sat in my account as an unapplied payment. When I independently checked my credit I noticed a late payment identified by KeyBank to the credit reporting bureaus. I called and asked for that reporting to be corrected as being in error, however, was told that would not be done. 

This is infuriating. In addition to contacting the CFPB, I will be reaching my state 's attorney general 's consumer complaint department. Please rectify the erroneous reporting to the credit bureaus immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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
Consumer complaint received 2023-10-31
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit 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:
I filed multiple disputes with my credit card company Apple in the amounts of : {$40.00} on XXXX won in my favor {$25.00} on XXXX won in my favor {$25.00} on XXXX won in my favor All these amounts were unauthorized and I am happy with the above amounts won in my favor. I am however filing this complaint because my credit card was on file with this company " XXXX '', so " XXXX '' fraudulently billed my Apple credit card in the amount of {$500.00} on XXXX for filing a chargeback with my credit card company Apple. I closed out my credit card with Apple immediately, and filed a dispute against this {$500.00} amount.XXXX tried to charge me an additional {$500.00} on XXXX but my Apple card had already been closed out. 
Today XXXX I get a response back from Apple saying XXXX won the chargeback against me for this " Dispute Fee ''. How can this be though when the 3 above only charges were wiped away because they were won in my favor. So this makes it where I never did any business with " XXXX ''. You can not charge me a chargeback fee, when I never did any business with this company " XXXX ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-25
Company: Experian Information Solutions Inc.
State: MT
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:
On XX/XX/2018 I was ordering online a mattress pad from XXXX 's online when a pop up asked if I wanted to apply for a XXXX 's card. I had unlocked my credit to apply for a XXXX 's ( which went smoothly ) and a XXXX 's card from XX/XX/2018 to XX/XX/2018 to do so.I was told by experian that it would be good to place a fraud alert since I was removing my credit freeze for 3 months. So I said that would be fine even tho I have never had any fraud. I applied for the XXXX 's on the pop up on XX/XX/2018. I could not see anywhere on the pop up that the application had gone in. On XX/XX/2018 I called the XXXX, XXXX number and asked if they had received the online application. The representative said just give me your information and I will put it in and they will contact you. I then received a letter from XXXX, s XX/XX/2018 saying declined unable to verify identity information. They had used experian. On XX/XX/2018 a letter from XXXX, s again saying declined because I was recently declined.They had used experian. I called XXXX 's to explain the above situation of 2 applications. The representative had no answer for me on what to do. On XX/XX/2018 I received a 3rd letter from XXXX 's saying I was declined because unable to verify credit reference due to security alert. ( which experian had recommended ) and they had used experian. I called experian for my credit report and it was fine.They had no answers for me. I would like to know why I could not get a supervisor at XXXX 's or Experian to look into this and help the consumer ( me ) .I understand XXXX 's is not obligated to issue credit to anyone.This is however a very frustrating to me since I trusted both Experian and XXXX , s.

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: Experian Information Solutions Inc.
State: MO
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:
Experian closed this with non-monetary relief, PUT MY PAYMENT HISTORY BACK

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 2023-11-02
Company: Nelnet, Inc.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My student loan payment is due today, XX/XX/23 with Nelnet after recently being tansferred from Great Lakes. I logged in online to make the payment and the website informed me that the payment would not be made until XX/XX/23 because it was roughly XXXX XXXX  EST ... apparently the cut off is XXXX XXXX  EST. 
I then called to see if I could make the payment via phone, but there is a XXXX Minute wait time to speak with someone. I made the payment via their IVR/Automated system . The system told me the payment would be in effect for XX/XX/23. the email confirmation states the payment effective date will be XX/XX/23. I do not yest know if this will be considered a late payment as I am still on hold ( XXXX Minutes ) trying to speak with someone. How can a loan servicer be allowed to have XXXX Minute wait times? Secondly, there is no information found online regarding if this payment will be considered late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Consumer Portfolio Services, Inc.
State: OH
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, Consumer Portfolio Services account # XXXX, has violated my rights. Between XX/XX/2023 and XX/XX/2023, my Consumer Portfolio Services account was reported as 30 days late. I have not made a late payment.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: United Collection Bureau, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern, I received a mailer correspondence regarding an alleged debt from United Collection Bureau XX/XX/23 dated XX/XX/23, I do not know who this alleged creditor is. I have never done any business with United Collection Bureau to owe any alleged debt. I do not know anything regarding this alleged account nor any alleged debt owed to this United collection bureau. I dispute the validity of this alleged debt and have attached a formal request for validation, and cease and desist correspondence if this alleged debt can not be validated for verification. Remove my information from United Collection Bureau system, I do not consent or authorize this shared creditor to have any of my personal/ private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, INC.
State: MD
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:
After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The negative items which I have been disputing still appear on my credit report. These are clearly a violation to the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which are being posted on my report. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX  XXXX Balance Owed : {$380.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Experian Information Solutions 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:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, SC XXXX XX/XX/2023 XXXX XXXX  XXXX XXXX XXXX, NV XXXX XX/XX/2023 XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX {$5000.00} XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX : {$770.00} XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX  XXXX Balance : {$8200.00} XXXX XX/XX/2023

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 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and Inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX  - XXXX - Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction As a consumer by law this account must be deleted immediately - under 18 U.S.C XXXX 
1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately XXXX - XXXX - Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction As a consumer by law this account must be deleted immediately - under 18 U.S.C . 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately XXXX XXXX - XXXX - Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction As a consumer by law this account must be deleted immediately - under 18 U.S.C . 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately XXXXXXXX XXXX - XXXX - Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction As a consumer by law this account must be deleted immediately - under 18 U.S.C .

1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately XXXX - XX/XX/XXXX - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit report XXXX - XX/XX/XXXX - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit report XXXX XXXX XXXX XX/XX/XXXX - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief