BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-04
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/XXXX I wrote a complaint about the this company and the misleading data on my credit report due to them. I am now preparing to file a lawsuit due to purposely and intentionally furnishing inaccurate and false data on my credit. They responded on XX/XX/XXXX that I am a victim of fraud yet with no resolve so I will seek 1 % of the gross revenue and {$1000.00} per violation. ACCOUNT NAME XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above STATUS Company responded there may be potential fraud involved on XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
Company: SUNRISE CREDIT SERVICES, INC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received alerts from several " credit monitoring services '' regarding a new item that had appeared on my credit report. This was something saying " Collection/Charge-off '' from a company called Sunrise Credit Services. It allegedly had to do with an account with XXXX XXXX XXXX. 

I had had a cell phone account with XXXX XXXX XXXX at some time in the past, but I closed it almost exactly a year ago, and even successfully transferred the phone number to another carrier. 

There was some matter of an outstanding balance, matching the allegedly " delinquent '' amount. However, on XX/XX/XXXX, after communication with the XXXX XXXX XXXX, I received a letter saying that this would be refunded to me, which in fact that amount in question did, shortly thereafter, appear in my bank account : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Hello XXXX XXXX, I am with the XXXX XXXX XXXX Office of the President. We have received your complaint, investigated it, and provided the relief you requested. 

This will be available to you within 3-5 business days. 

If you have any questions, contact me at the telephone number below. Please reference our file number XXXX when calling. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
p ( XXXX ) XXXX | XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - As such, I think we can agree that I did not nor do not owe any outstanding amount to XXXX XXXX XXXX, and I certainly do not owe a cent to whatever " Sunrise Credit Services '' purports to be. 

Please instruct that firm to leave me alone in every respect. 

Thank 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 explanation
Consumer complaint received 2021-11-23
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My Chase Sapphire XXXX was compromised ( twice in about a XXXX month period ). I received an email flagging a transaction and confirmed that the transaction was fraudulent. When I looked at my account, I discovered additional unauthorized charges and that, as part of the compromise, XXXX points were fraudulently redeemed from my account. 
When I spoke to a Chase rep on XX/XX/XXXX, I was told that the points would be restored in XXXX to XXXX that all charges would be removed. The charges were removed but the points have not been restored. I also requested a new card which I have still not received. 

I would like assistance is having my points restored, and in canceling this card, and receiving a refund of my annual fee. Chase apparently has a security issue that they do not care to remedy, and their customer service is unresponsive, and either untruthful or incompetent. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: U.S. BANCORP
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I went thru the forbearance program and I wasn't offered any solutions to make payments only option I was given was a short sale. I received a letter to pay full past due balance and I never can speak to anyone about tbs and I made it clear I was it trying to sale my home then the letter I received stated I made XXXX gross a month which is not correct. I have been with US Bank for XXXX years

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 2021-11-23
Company: EQUIFAX, INC.
State: MI
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:
XXXX NEVER reports payments I've made to any credit bureau and they refuse to update the principal balance which has been decreasing with my payments that I'm making. All XXXX credit bureaus refuse to help. XXXX is enough. I will get a lawyer if the CFPB doesn't so their job and XXXX continues to XXXX over borrowers and not report properly under XXXX XXXX. They also have NEVER provided me any kind of statement there is only XXXX in my account they have no other statements except for XXXX month I have contacted the XXXX XXXX I have contacted the XXXX XXXX XXXX I have contacted you here I have contacted the XXXX XXXX XXXX and I can not get any of my statements. I never know how much interest they are charging me how it is being applied my payments and how they are being applied I show nothing I get no statements. This is not legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX NEVER reports payments I've made to any credit bureau and they refuse to update the principal balance which has been decreasing with my payments that I'm making. All XXXX credit bureaus refuse to help. Enough is enough. I will get a lawyer if the CFPB doesn't so their job and XXXX continues to XXXX over borrowers and not report properly under XXXX XXXX. They also have NEVER provided me any kind of statement there is only XXXX in my account they have no other statements except for XXXX month I have contacted the XXXX XXXX I have contacted the XXXX XXXX XXXX I have contacted you here I have contacted the XXXX XXXX XXXX and I can not get any of my statements. I never know how much interest they are charging me how it is being applied my payments and how they are being applied I show nothing I get no statements. This is not legal.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have realized that there are multiple credit inquiries on my credit report all three and a XXXX   credit card that I did not apply for. I disputed the inquiries and go a same old letter stating the inquiries are factual. There is no way these are factual unless these companies can provide a signed documentation with my signature on it which they do not have. Internet fraud is one of the hottest situations today. These companies need to go back to applying for credit in the store where faces can be seen. XXXX aka firestone do not have a signed credit application on file. Anybody can create a online account if they have your information. I will be putting a security freeze on my credit. These are the unauthorized inquiries : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX BANK NA Inquiry : XX/XX/XXXX Contractors ( XXXX ) XXXX XXXX XXXX BANK NA Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX BANK NA XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX CARD Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX BANK XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX BANK Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX CO DUAL CARD Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX BANK XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX DC Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX These inquiries and XXXX is ruining my credit tremendously. I do not even own a vehicle so I would not have a reason to apply for a XXXX card.

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 2021-05-04
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
Back in XXXX I moved. I put notification in with The Texas Workforce Commission as well as with USBank Reliacard. After receiving my unemployment payment thru the TWC, I went to make my usual ATM withdraw to a late water bill before disconnection occurred and my card declined. After contacting US bank I was informed that I needed to verify my identity with the bank because of my address change. 
I have provided all required documents needed and required to verify myself. I have sent info to USBank via text message link, website & sent by Fax. I was informed it would take XXXX days for verification to occur and i would hear something by that time. It has been over 4weeks. My water was disconnected and is still disconnected. My account is still " Frozen '', they haven't released my unemployment payment and will not share any information with 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 2023-10-31
Company: EQUIFAX, INC.
State: NY
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:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX Balance : {$6000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Today I called the phone number on the back of the JCPenny 's card which directed me to Synchrony Bank. It then asked me for the last 4 digits of my social. When I got through to a person after waiting 45 minutes the woman in turn said I can't take your payment and that I needed to call JCPenny 's Customer service. So I decided to call the customer service number directly. It appears that Synchrony closed my account without my knowledge even though I have been paying on this card on time every month. Its like they deliberately trying to get me to pay fees. I couldn't pay my payment which is due today because the number I called back for Synchrony said they closed at XXXX XXXX XXXX. This bank is so unfair and unjust to the consumer who is just trying to keep the credit right. This credit system is all A GAME FOR POOR PEOPLE TO PAY FEES AND HUGE INTEREST RATES.

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 2021-11-23
Company: Central Portfolio Control Inc.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was contacted via text message to my personal cell phone number by a bill collector and told to call them. 
They addressed me by my first name and provided a number to call them but neglected to include in the body of the text message a simple and reasonable way to opt out of further communication with them. 

I believe that this is a very clear violation of FDCPA section 1006.6e. Because they broke FDCPA law I would be well within my rights to file a law suit against them. 

I have never heard of this company and have never done business with them either. If they insist that they purchased a debt that was in my name then they need to provide an official Purchase Agreement as poof rather than sending bills to my house. If they believe that some sort of bill of sale is verification they are wrong. The only official and legal verification that would hold up in a court of law is the actual, original Purchase Agreement. A bill of sale is a small portion of a larger document and thusly invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
My Transunion has multiple inquiries I did not authorize. XXXX bank offered me an increase on my credit card but did not inform me of a hard inquiry on XX/XX/XXXX. I did not authorize that. I also did not authorize the following inquiries from XX/XX/XXXX : XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX? ). 

XXXX XXXX  is the bank I had financed my vehicle through and I did not authorize any other inquiries. Please remove expeditiously

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 2023-08-30
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear Sir or Madam : PLEASE HAVE THE FOLLOWING ( 2 ) ACCOUNTS DELETED WITH THE INQUIRIES LISTED BELOW. I NOTICED THAT ( XXXX XXXX XXXX WAS REPORTED TO MY CREDIT AND THESE ARE HER ACCOUNTS ALSO. THE XXXX XXXX  WAS DELETE ASAP. PLEASE DELETE THE OTHER 2. 

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  I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply. 


Sincerely, [ XXXX XXXX ] Enclosures : [ List what you are enclosing ] Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: TX
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 took a look on my credit report and these inquiries unauthorized and fraudulently reporting on my credit report ( XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: Coinbase, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Re ; XXXX XXXX. 
On XX/XX/21 my order for XXXX coins was filled by Coinbase Trade ID # XXXX. 
Fill price was XXXX each coin, for a total of {$930.00} USD, which has since been removed from my account at Coinbase. 
On XX/XX/21 Coinbase removed/blocked access of my XXXX coins of XXXX. 
My XXXX  coins and my {$930.00} USD are " Missing '' from my account. 
And by missing, I mean they are being withheld from me by Coinbase. There is NO monetary reflection of this transaction in my Coinbase account. 
I do have proof of this transaction in the form of a screenshot of my orders in my Coinbase Account. 
In short, Coinbase has taken, removed, stole ( without my consent ) my XXXX coins and or {$930.00}. 
This action taken by Coinbase is criminal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-23
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am a federally protected consumer, submitting this complaint on my own behalf ; expressed on XX/XX/2021 ; I contacted THE LAW OFFICES OF XXXX. XXXX XXXX XXXX XXXX, XXXX ATTORNEYS AT LAW on or about XX/XX/2021 requesting remaining documents to validate and verify dunning response on or about XX/XX/2021. 

It has been greater than 30 days since I sent notice of dispute, demanding proof of claim and I have yet to receive documents providing proof of claim of referenced account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-23
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX of XXXX, I contacted Transworld services to work out an agreement, and a monthly payment plan. My intention to set up a payment plan was to ensure that my security clearance would not be revoked, and that I could gain employment with the Department of Defense upon evidence of this agreement with Transworld Collection agency. 
When I explained my intention to a the Transworld representative, to have my clearance approved for an excellent job opportunity I was in route to gain, the representative became erratic and annoyed. Specifically, after I answered her question " How much do you plan to make at the new job? ". After answering her questions and attempting to retrieve proof of agreement, she rudely refused to work with me. I also requested to speak with her manager, and again she refused in a a short and aggressive tone. After being refused, and talked over, to move forward with any request for assistance, I ended the conversation and called my Federal employer. This act from the Transworld representative cost me employment with a good paying job, and an opportunity to pay off debt I intended to respectfully pay. I haven't heard from or attempted to call them since. To this day, I have continued my pursuit to employment, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX, XXXX. I finally gained partial employment with the XXXX XXXX. I received an opportunity to attend military training and get paid full-time for XXXX  months. During this time, Transworld has collected over {$7400.00}, sometimes about half my pay and more. This debt was calculated as fully paid on my Leave and Earning Statements ( LES ), unfortunately Transworld Collection Agency started a new debt and intends to collect another more than {$1400.00} ( as stated by the representative XXXX ) without notice, under the same debt name. This appeared as a random additional debt owed to the same Debtor. They have not provided any documentation, or notice, or proof displaying an accurate calculation for their debt collection actions. They have forced automatic deductions, to deduct more than 50 % of my paycheck at times. I find it disturbing that this is legal, especially when forced upon military personal. I will be pursing further legal council with my military legal advisors ( XXXX ) once I arrive to my new duty station. 

XX/XX/XXXX. I called today to get an explanation, and I received no accurate information as to how my debt is calculated. The representative continued to say " your LES will not reflect the correct amount due ''. If this is true, why and how am I paying debts that have no accurate reflection of the final due amount and how can the government keep track of this. The representative also did not provide a total amount due, and therefore left me to believe that they can charge anything to my XXXX paycheck without an accurate reflection of how much I owe. Please assist.

Company response to consumer: Closed with explanation