BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Hello. I have been disputing 2 accounts on my credit report since the beginning to 2020. I have sent multiple letters indicating the inaccuracies on my credit report. I have called the bureaus about my investigation and I was told on XX/XX/XXXX by XXXX that they do not have any of my information on file and that the last thing they have was something I submitted in XX/XX/2020. I sent a letter in XXXX of this year. The continue to report inaccurate information on my credit file.

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 2017-12-21
Company: U.S. BANCORP
State: GA
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:
I did not make these charges. I 've never heard of these companies. 


XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX {$1200.00}

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 2019-08-09
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call all time any hr ect

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 2020-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5400.00}, {$19000.00}, {$25000.00}, {$9700.00}, {$27000.00}, {$0.00}, {$4300.00}, {$3900.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, XXXX XXXX, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account. 

4. XXXX/XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9700.00} -This is not my account. 


-- AUTO ACCOUNTS 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$27000.00} -This is not my account. 

6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL LOAN 7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 


-- OTHER ACCOUNT 8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my 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 2021-01-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I tried to reach out to all 3 credit reporting bureaus with no success.

Due to Covid-19 my only source of income other than my Social Security are my EDD payments. Unfortunately my EDD account has been flagged and suspended until I can re-verify my identity which I can not due because my driver 's lic. and passport have expired and they are the only 2 ways to start the verification process. I have applied for a new lic. which can take up to 6 weeks to receive. 

Consequently I have not been able to pay many of my bills on time or in full. This has dramatically effected my credit scores. I am hoping that there is a way to intercede on my behalf to remove negative comments until my EDD payments resume.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Multiple accounts that are incorrect are reporting on my credit reports US DEPT ED XXXX US DEPT ED XXXX USDOE/XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX USDOE/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX US DEPT ED XXXX US DEPT ED XXXX USDOE/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-16
Company: Experian Information Solutions Inc.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$22000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my 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 2017-12-21
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit 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 applied for a XXXX XXXX credit card through Synchrony Bank for {$35000.00} and was charged {$33000.00} for " project management and labor '' that a XXXX 's employee signed on my behalf without my authorization. I have a copy of the receipt. XXXX 's executive team has been contacted numerous times over the past four months requesting an accounting for the charge despite the fact that their employee 's may have violated the Fair Credit Reporting Act, The Equal Credit Opportunity Act, the Fair Debt Collection Practices Act and Electronic Fund Transfer Act. I am prepared to provide evidence of the this claim to CFPB, the FDIC and the Federal Reserve Bank. I have reported this claim to Synchrony Bank and XXXX 's as well as the three major credit bureaus. I am requesting all interest charges for the referenced account be reversed and credit to my account as well as all principal paid until the dispute is resolved. Going forward I will play all monthly payment in an escrow account until the dispute is 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 2020-05-26
Company: CITIBANK, N.A.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am disputing the lates on these accounts because they are inaccurate and not proven. Please do a deep investigation on them and have them removed from my report because they are really affecting my scores.

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 2019-08-09
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I initiated a transaction for a few hundred dollars on the end of Wells Fargo. The payment posted but The payment later disappeared off of my account. The payment was not pending, it was completed. Wells Fargo initiated a three way call with my other bank, XXXX XXXX to ensure the funds were posted and completed. XXXX XXXX confirmed this and provided a trace number, quoting it may be stuck with the federal reserves. Wells Fargo is telling me that the removal of funds is illegal on their part and they would work diligently to fix it. They have been extremely helpful but partly I feel as though this is done because they understand they are in the wrong. It was later confirmed that the funds were showing in their back office but for some reason it was not posted as fund received even though XXXX XXXX confirmed funds were sent. They escalated the issue because it may be a  system error. I have heard of illegal wellsfargo activity in the past and I just wanted to know my options or at least whistle blow when I notice illegal activity. I believe light should be shed on this issue. It has been three business days. I posted the amount that was taken from my XXXX XXXX. His also caused overdrafts in my Wells Fargo accoun

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 2020-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
After filing a CFPB complaint against Transunion for ignoring the request for the method of verification I have received Transunions computer-generated response stating that Transunion they did not send the method of verification because in Transunions opinion, they believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on Transunions part to not send the method of verification, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2020 by certified mail that I questioned the accuracy of a few items on my credit reports. You were advised by me on XX/XX/2020 by certified mail that I wanted the method of verification. Those requests was written by me and mailed by XXXX a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Additionally there is no law that states a consumer can not use a third party, so using that as your excuse is a moot point. As a matter of fact, Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so outrageous. 

I reserve the right to sue your credit bureau for violations of the FCRA and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process further. 

Please take notice that this complaint was filed on XX/XX/2020 and is formal notice to you that I am requesting that you continue forward with my original request and send the method of verification The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Also I therefore legally and lawfully refuse your form letter. I am outraged at your accusation and I have fully researched my rights in regard to my credit file. I look forward to your expediting my original request immediately. 

The next step for me after this is to file a law suit for violation of the FCRA

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 2019-08-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
USAA MORTGAGE Approved our refinance loan of {$180000.00} and sent our " Final Disclosure '' on XX/XX/XXXX for an XX/XX/XXXX Consummation Date. 

We've already paid all property taxes and insurance through XX/XX/XXXX. 

On XX/XX/XXXX, at the time of signing- the Notary placed NEW " Final Disclosure '' on top of our Loan Documents changing the terms of the XX/XX/XXXX " Final Disclosure '' and forcing our hand in accepting the inclusion of escrowed insurance and tax payments. 

According to CFPB, it's against the law to give this less than 3 days notice before signing. We were coerced and this will negatively affect our finances moving forward, putting us at higher risk while also causing us to lose the benefit of controlling our own monies and using our credit to our best interest. 

USAA could not give any clear answers as to why they did this at the last minute as we were in the process for almost 2 months, nor would they offer any reconciliation. 

USAA then spent our valuable time having us continue to email and call them to re-hash the scenario to different representatives, also putting us on hold at 20-30 minute increments and eventually offered " hope '' that the servicer could adjust off the escrow. When we asked if having escrow taken off has ever happened, they said " No. '' We will lose the ability to make interest on the monthly payments to escrow and we will lose the ability to pay-down the principal during the year because of USAA 's incompetence with this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I completed a identity theft report with the FTC and XXXX, Experian, and XXXX are still reporting the alleged account. Below is the law all ( 3 ) credit reporting agencies are in violation.

15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency

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 2017-12-21
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Hello thanks for read this! 
Have a technical trouble to accss to my account on coinbase. 
Explains the reason. 
Recently I change my contry of Living, I am travelling in XXXX for couple of months and I will Come back to my home in XXXX. I was living in XXXX for 1 years and of course had a phone number XXXX. 
Because I close this account ( phone number ) I cant  have access to my account because they send my a code for change my password. I didnt want to XXXX this password but I wouldnt access to my account on my computer ( dont know why because on my phone this password was working ). 
I decide to change this password to have complet access to my wallet in both system. 
I dont receveit the code so I need to change of phone number on the website and my account but doing this i Need to verify my account. 
That there have trouble too because they cant verify my passport and a selfi of Me ( maybe because in my account its not XXXX for the contry of residence ) but I can change this of course because of the password I cant  have acces to my account. 
I try to call them few time nobody answers, I try to send some email for explain the situation but they send my a links for verify my account. 
I invest more than 1000 $ in and now I dont know what going on.

All this happening 2 last week ago. 
I open a request but nobody send me nothing. 
I have the felling to have lost this money!! 
I have my passport and all What I need to get access to my account its frustrating. 
I Hope you can give me a way to done something and get back this money. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Coinbase Inc., advertised that a deposit made from a linked XXXX XXXX account via ACH transfer would be available in seconds. It has been 8 days since my {$1000.00} deposit has been withdrawn from my checking account, but it never confirmed by Coinbase. Coinbase simply stole {$1000.00} from me. Coinbase app and website crashes frequently and I 'm locked out of my account most of the time. I believe, coinbase is engaged in fraud and deceptive busines. All attempts to reach coinbase representatives were unsuccessful. The company did not respond to email, phone or webform requests for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: EQUIFAX, INC.
State: TX
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 moved to XXXXXXXX XXXX XXXXXXXX Tx, Because of a bad family situation. My personal items have not been sent to me. My dl /sscard /Id were all misplaced. I have not been able to get new replacements yet. I pulled my credit report and i found alot of information that does not belong to me. I never authorized these accounts .There is incorrect addresses, medical sccounts, utility accounts andmore XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXXr acct # XXXX XXXX XXXX ACCT # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
Called Trans union for victim of inquiry issue on XXXX XXXX. Customer service would not help me take off inquiries they had took off prior. Try to take off XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX mortgage 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