BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-24
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am writing today in hopes to gain your help. At the present time I am working on going over my credit, paying down my balances, and working toward greater credit worthiness. You play a very important role in this procedure. I am asking about the account number referenced in this complaint. 
I see you have reported me 30 days late to the credit bureaus ( XXXX, XXXX and XXXX  ) on XX/XX/2018 and I am submitting this in order to get this remark pulled back. I had believe I had made all my payments on time, the only thing I could imagine, is that my statement didn't get to me in time.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Reporting 3 different dates account open stating account is accurate when its clearly inaccurate. XXXX reports date open XXXX. Transunion reports date open XXXX. XXXX states date open XXXX. How can these all be verified as accurate on the same account and all the open dates are different? All CRAs are clearly reporting inaccurate information and have not removed this inaccurate account 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
Consumer complaint received 2023-08-07
Company: Synovus Bank
State: OH
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:
Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681 e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
XX/XX/2021 my phone started to receive text messages stating my login code. I then received a message from XXXX  stating thank you for being a new customer. Soon after I found out that my Coinbase account was being hacked. I find out that the $ XXXX invested was removed and I now owe the company {$5000.00} and I have no balance. 

This was due to a sim-swapping hacker and I can not get Coinbase to inform me of multiple transactions or return my investment. 

Thank you. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
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:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX  XXXX XXXX and 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 non-monetary relief
Consumer complaint received 2022-09-23
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I got a credit report and saw where Midland Credit Collections has sent reports to the three credit bureaus especially XXXX sometimes twice daily for at least 12 months or so. I just happened to have fraud on a company trying to secure {$18000.00} for computers. It was rejected and I received a letter informing me about this. This prompted me to ask for free credit reports. On the reports, I saw where my score was lowered to poor because Midland Credit Collections would send in inquiries twice a day for at least maybe 2 yrs more or less. I only noticed it when there was fraud on my account. Also, my info is on the dark web, whatever that is and my info has been exposed on several data breaches. Being a senior, I didnt know what was going on. But I do know my credit score has been impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: STERLING JEWELERS, INC.
State: IA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/XXXX, I went into Jared 's Galleria of Jewelry, and was interested in purchasing something. During this visit, the salesperson wanted to run a credit check to make sure I would be eligible for financing. They told me that they would run a soft pull of my credit just to see if I qualified for financing. At no point did they mention a line of store credit, or tell me that I would receive a card. 

A couple weeks later, I receive a card from Jared in the mail, that I never activated. I then got a notification from my Credit company that another credit account was opened for me with a XXXX balance. I called the Company and they claimed I should have been told about line of credit, but I was not. They also falso claimed that if I don't use the credit card within 60 days or so, it would automatically closed. Which I confirmed with the bank that issues the cards, that it wouldn't be going anywhere unless I cancelled it. I got a hold of the card issuer and they cancelled the card for me immediately, noting that it was an unsolicited line of credit. I just want to make it known this company is pushing this line of credit on their customers.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: Prince Parker & Associates
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
received multiple phone calls on phone # XXXX from phone # XXXX. They are leaving voicemails for me to contact them immediately on my wife 's phone. They are disclosing that they are a debt collector in the voicemails. I called them today to find out what the call was about. I advised 'Ms. XXXX ' that no one ever disclosed that they were a debt collector in any of the voicemails and that they were left on a phone that was for XXXX XXXX and not XXXX XXXX. XXXX clearly states " XXXX XXXX '' and therefore they were in violation leaving a voicemail for me on someone else 's number. I advised her that I would be contacting an attorney and her response was " Is you attorney going to pay your bill? '' I said " Excuse me? You ca n't say that to a consumer '' and her response was " I can say whatever I want ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-24
Company: Marlette Funding, LLC
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
In late XXXX or early XXXX of 2018 I applied for an unsecured personal loan through www.bestegg.com. I requested and was approved for {$15000.00} and my originator is set at XXXX XXXX XXXX. I was sent an email that had the fees and was surprised by the cost to do the loan. I live in the state of Kansas and it is my understanding the origination fee for Kansas residents is 2 % up to {$100.00}. I would like the fees associated with my loan to be reviewed by the CFPB to see if there was any wrong doing in the fees charged for a Kansas resident. I would also like a copy of my TIL and Promissory Note for my records. These documents were never sent to me and are not available through the customer online portal website of XXXX 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
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:
XX/XX/20 I submitted Identity Theft documents to Equifax, XXXX  & XXXX  about several fraudulent applications and accounts in my name. There are still mutltiple fraud accounts which remain on my Equifax & XXXX  report even though I have notified them of Identity Theft in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: WESTERN UNION COMPANY, THE
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
Back in XXXX I purchased a money order from XXXX 's and XXXX Georgia and mailed it to XXXX and my money order never made it so I called Western Union and they told me what to do in order to get a refund so I got a {$15.00} money order and sent in my form for refund from Western Union Western Union then sent me a check that was uncashable after going to XXXX and XXXX XXXX which the check is a XXXX XXXX check but XXXX XXXX said the check is bad so then I called Western Union again and they gave me another check which the second check number is XXXX I went today to both XXXX and XXXX XXXX again and they have indicated that it is a bad check so if I am having this problem I'm sure several people are having this problem and this is a big issue for a company like Western Union to provide bad checks to customers I have been without my money since XXXX because Western Union keeps sending me that checks the check amount is for {$75.00} and that {$75.00} I do not have in my pocket as a XXXX person as a XXXX survivor I can not go pick up medicine because I do not have my {$75.00} to pay for it and that is not okay this needs to be addressed and Western Union needs to have this address I want my money as I should have it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: Experian Information Solutions Inc.
State: GA
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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2022-05-23
Company: EQUIFAX, INC.
State: CA
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:
There are numerous inquiries on my file that I do not recognize nor have I applied for credit with those companies. I reached out to the credit reporting company to oy be ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Radius Global Solutions LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company is reporting i owe ; incorrect balance. Have insurance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 hereby file this complaint as the servicer of my student loans is once again destroying my overall credit rating without provocation. As you can see from the several postings on all of my credit reports, the problem is very simple to understand. XXXX XXXX XXXX   has the worse history in dealing with the public. My payment history would show a perfect payment history, then suddenly in XXXX of XX/XX/XXXX they would report all four student loans as an immediate 90-days late, then 120-days late for two months, then back to paid on time. Then once again starting in XXXX  of XX/XX/XXXX they would report all loans as 90-days late, all the way up to 180-days late, then a paid on time rating. Now starting in XXXX  XX/XX/XXXX they once again report all loans as 90-days late up to 120-days late, then back to paid on time. At no time is there ever a 30-days late or 60-days late. XXXX XXXX XXXX is destroying my credit history, even though I make my payments on time every month. XXXX XXXX XXXX has a contractual agreement with all three credit bureaus. That agreement, called a subscriber agreement, is very clear that the credit reporting entity must abide by the rules and report properly. This is not the case in this matter. XXXX XXXX XXXX is not only destroying my credit, but at the same time they are violating my rights under the Fair Credit Reporting Act. This practice is nationwide where XXXX XXXX XXXX has no concern for the general public. I need this to come to an end, and I need the late payment history deleted completely. I have once again filed a hard copy complaint to XXXX XXXX XXXX, but I anticipate that they will do nothing to clear my payment history. I will follow through with complaints with the Office of Attorney General, XXXX of Massachusetts next. I need my payment history fixed immediately!!!

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 2017-09-29
Company: KEYCORP
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XXXX XXXX 2017 I faxed an ACH Change Transfer Authorization to Debit Account form to the KeyBank NA loan service center to change the date of the automatic payment transfer out of my KeyBank checking account. Request - change date of transfer to the XXXX of each month. 
- On XXXX XXXX I faxed a an ACH DELETE Transfer Authorization to Debit Account form to the loan service center to stop all automatic payment transfers out of my key checking account. 
-Yesterday XXXX/XXXX/17 two payments were deducted from my key checking account for the same loan payment. No payments should have been deducted. My account balance was {$120.00}. It is now negative XXXX {$590.00}. ) Not only did the bank transfer funds that were in my account without my authorization, but I now can not access any funds to meet my day to day needs, including a direct deposit child support payment that went into this account yesterday, XXXX/XXXX/17. 
- I spoke with KeyLoan service center employee XXXX ( emp # XXXX / ref # XXXX ) t : XXXX and she confirmed that the key loan service center processed the first form XXXX XXXX XXXX 2017 ) form on XXXX XXXX 2017, after they received and processed the XXXX XXXX 2017 request to stop automatic transfers, resulting on XXXX/XXXX/17 in two payments being automatically deducted from my key checking account - neither were authorized by me. First an automatic transfer of XXXX and a second transfer " curtailment of XXXX. '' XXXX agreed to refund one payment and reverse any NSF fees, but refused to return both payments to my account. Both payments should be returned - neither payment was authorized by me. See attached screen shot of unauthorized payment transfers. Thank you for your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2019-04-24
Company: Rocket Mortgage, LLC
State: CA
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 was contacted by Quicken Loans to see if I am interested in their refinance product. They did not ask my permission nor clearly communicated to me that they are pulling my credit report. After we get off the phone, I get a notice on email that my credit was pulled by them. It is not permissible to pull someone credit without their permission when I dont have existing business with them and did not request a credit transaction or business from them. My credit was not AUTHORIZED to be pulled on XX/XX/19 by XXXX XXXX from Quicken loans. It seems XXXX XXXX the quicken loan agent is not even licensed in State of California where I live. 
Their junior client relationships team states that since I have disclosed my SSN to them as lender it makes it permissible for them to pull my credit without my consent. And when I asked them to email me this statement they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
HARD INQUIRIES NOT AUTHORIZED BY ME 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 non-monetary relief
Consumer complaint received 2023-04-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This credit card provider is charging cash advance interest on purchases made with the credit card when payments have been made immediately on the account to cover the purchase balance for purchases made by the consumer that are without grace period. Credit card company is applying the payment the consumer made for purchases that has no grace because of the existing balance transfer of 0 % APR, while carrying over a balance of the purchases made on an interest of 27.74 % interest to charge false interest. Meanwhile, the balance of the 0 % APR balance transfer is always been paid as the minimum payment provided on the monthly statement as additional payment to the payment of the purchases. This same credit card company representative had informed me in XX/XX/XXXX correspondence ( see attached ) that if I pay the total purchase amount plus the minimum payment in a billing period, I would not be charged any interest on the purchase, thus ensuring that the balance on the account remains on the 0 % APR balance from the balance transfer due on a much later date. On XX/XX/XXXX statement I was charged {$4.00} on a purchase balance which I had paid off immediately after making the purchase. When I wrote to them about that interest charge, it was refunded. On XX/XX/XXXX, they got bolder and charged me {$11.00} on the same issue, after I had informed them that they should desist from that false interest rate because I paid in full the purchases made immediately, but they rather chose to apply the payment I made for the purchases to the balance of the 0 % APR balance transfer and charged me 27.74 % on the purchase balance I had made full payment for. I reached out to them to refund the interest of {$11.00}, and to correct their fradulent system but they refused. On my XX/XX/XXXX statement, they have gone even worse to now charge me {$62.00} interest on the same issue by fraudulently channeling payments the consumer made towards purchases that has no grace period to the balance of a balance transfer of 0 % APR and charging 27.74 % in the form of cash advance on the balance of the purchases made with the intention to steal from the consumer. The reason why they are doing this and how they come up with the amount the amount that is the purchase balance that is carried over in the statement balance they are unable to explain. Instead of admitting the error and fradulent attempt of their system, they have continued in this financial discrepancy.

Company response to consumer: Closed with explanation