BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Trans Union and XXXX XXXX XXXX failed to validate debt, because Under the laws of the CFPB and KY UCC 9.506 and state RISA and MVISA, I have contacted XXXX XXXX XXXXXXXX myself and have been unable to get them to validate the above referenced debt along with a copy of the required notices by the KY UCC 9.506. 
I have requested information on how the debt was verified by Trans Union along with the supporting documentation that they have I have enclose copies of my requests to Trans Union and XXXX that was sent XXXX XXXX, 2017, asking them to validate my debt, along with proper notices required by KY UCC 9.506. I have also included copy of the original tracking receipt and confirmation of delivery. I was given no response by XXXX to validate the debt or Trans Union

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 2017-12-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Contacted representatives of the company via telephone and emails several times in XX/XX/XXXX and XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane Irma.  However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXX on my credit card accounts. Received a letter from XXXX indicating that Wells Fargo is responsible.

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 2018-03-18
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 have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts In my previous CFPB report to Transunion it was claimed that they had PERMANENTLY BLOCKED the fraudulent information/accounts. 


Sure enough today I see this fraudulent accounts again! The other consumer credit reporting agencies furnished a block once they said they did but Transunion for some reason did not block XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX once they had already told me they permanently blocked them and had closed my complaint with the CFPB as Closed with Non Monetary Relief. 


This is not right at all, they removed the information then told me it would be permanently blocked, then proceeded to continue to report them?. I have spoken to the original credit issuer and they have even sent the account to be deleted! Im not sure whats happening at Transunion but I will be contacting the XXXX XXXX County Attorney Generals office to see if this violates any laws with the FCRA 2009 as im sure it does, just reading what his office told me it is already violating this : Section605B ( a ) requires CRAs to block the reporting of any information that the consumer identifies as information that resulted from an alleged identity theft, within 4 business days Please just do as you said in the previous CFPB report, Im truly just trying to get on from this horrendous time of theft in my life.

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 2019-05-07
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I recently had a loan modification with them and I was a bit iffy about it because I didn't know they would be cutting basically nearly over half my morgage.Wt the the current moment apparently i owe over about {$14000.00} to them out of no where. And i really dont know why and how it got that high.I try every month to make these payments and they now my current situation.i have XXXX kids a wife that cant find a job still at this very moment.And they still could even offer me a long term loan modification because of my situation.My income at work is what goes towards bills that i pay over average amounts of a average family XXXX people in told including me and i have to work hard to try to support them and now this morgage company is now telling me i have to pay a total of {$14000.00} and this is now stressing me out.So please try to find the best way to help me find a way to pay my propertie so i can support the family.At this current moment i mentally dont know what to do.I lean my help to you guys.i dont maybe a new loan modification or something to relief these house payment and i dont want to lose my house.My XXXX bless you guys because my hopes are on you guys.i havent been able to sleep since the news of me owing them over {$10000.00} after a short term loan modification.So please help a poor man out.i dont want to lose every thing at my current situation so please find a way to resolve this issue for 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 2018-05-21
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been a JP Morgan Chase Bank customer for almost 10 years and have Private Client status. On XX/XX/XXXX, a Saturday, I was checking my online account information and discovered that Chase had closed all 4 of my credit cards. I accessed the notes/statements section of my account and there was nothing there to tell me why this had happened. I went to my local Chase branch and the manager tried to help me. She called someone in Chase and was told the organizational component that closed the account was closed until Monday. This left me with an entire weekend of being frustrated. After 4 hours of phone calls on Monday and being passed around to various Chase staffers nobody could tell me what happened. On Thursday, XX/XX/XXXX, I finally received 4 letters for each of the accounts closed. Each letter stated the accounts were closed because of " Number of Credit Card Accounts '' and " Account Not Used as Intended. The letter want on to say this decision was based on negative information in my XXXX  report. I called XXXX  and they said everything was fine. My credit score was XXXX. I know credit cards are a privilege and not a right, and Chase did not have to provide prior notice of closure. However, they lied about XXXX  info and never did tell me why all 4 credit cards were closed. The only specific statement they made was one credit card had too many authorized users. Chase could not cite a specific rule or regulation I violated. This was an arbitrary and capricious treatment of a long time customer who had always paid his credit card bills on time and had several repaid loans with Chase. I used to work for XXXX ... even XXXX gives advance notice of bad news to a taxpayer. The bank 's right to cancel credit cards without notice is a blatant abuse of authority in my case. I was never warned there was an issue with adding authorized users.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18
Company: Convergent Resources, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collection of {$52.00} was placed on my credit report by XXXX XXXX. I contacted XXXX XXXX, the original creditor, who stated I have no current or past due balance with XXXX and they would contact Convergent to remove the entry from my report. This incorrect, negative information is still reporting on my credit reports.

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 2022-08-11
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX I closed my Truist bank account and attempted to collect my {$500.00} bonus for opening said account, Truist did not pay the bonus and that is why they currently have two open complaints regarding that issue. 

Today they finally attempted to reach me, not by email as I've explicitly stated was my preferred method of contact, but rather they decided to call me again .... And during this call Truist Bank proceeded to admit that they actually never closed my account back in XXXX and Truist was trying to charge me fees even though they were refusing to return response to my complaints in which case they could've resolved all issues, instead, today they've created yet another complaint for not closing accounts when asked to. 

XXXX XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX did my account closing and told me he would not be able to close it immediately because they had to wait 24 hours to close accounts but that he would have it closed the next day. 

When XXXX didn't call me then next day I did go into the branch and asked him if the account had closed and why I hadn't received my bonus, he said he would look into it, nobody from Truist every looked into it. 

Now Truist wishes to charge me fees for closing my account when they legally owe me {$500.00} ... .. CFPB, what exactly do you do?

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 2020-06-24
Company: EQUIFAX, 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 went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX {$640.00} XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$930.00} XXXX FIN XXXX {$15000.00} XXXX XXXX {$970.00} XXXX XXXX XXXX {$4200.00} XXXX XXXX {$780.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have been trying to get my annual free credit report from Experian for 2 years. Every time I always got error message : A condition exists that prevents Experian from being able to accept your request at this time. 
Then I ca n't no longer request the annual free credit report from Experian any more for the next year. 

All the other 2 credit bureaus never have this issue.

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 2018-03-18
Company: Continental Finance Company, LLC
State: NY
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:
XXXX XXXX via XXXX XXXX XXXX via XXXX XXXX XXXX CONTINENTAL FINANCE CO

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 2019-05-07
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Multiple disputes have been filed in which they continuously come back as verified, Ive requested the method of verification in which they have not provided. Upon calling today to inquiry about results that had not come in, and file dispute on fraudulent inquires, I was denied that right by the representative, as well as told look at the website, it states how public records are verified. Public records should only be verified by the source, and I have confirmed from the XXXX XXXX bankruptcy court that they do not verify this to any third parties. Meaning credit reporting companies, or the third party companies that they use to verify. Additionally they claimed three collections from XXXX XXXX  was accurately verified, I however received a letter from them stating we can not determine the reason for dispute so theyve listed the dispute as in dispute however XXXX says this was verified? HOW?!? Delete these four items 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 non-monetary relief
Consumer complaint received 2019-05-07
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
- XX/XX/2019 Unauthorized credit card payment of {$7800.00} issued from my XXXX XXXX XXXX account to American Express as below : Electronic File Trace Number : XXXX Remit Account Number : XXXX Payment Date : XX/XX/19 Payment Amount : {$7800.00} Payee Routing Number : XXXX Payee Bank Account Number : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-04
Company: Winklevoss Exchange LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I accidently deposited {$2000.00} when I meant to deposit just {$1000.00}. I accidently double clicked the purchase button. 

As a XXXX XXXX myself, it is common sense when programming buttons, especially that purchase something, that either the second clock is not read or a prompt is brought up asking if the second clock is correct. This is entry level programming stuff and Gemini, as a large exchange, doesn't have this safety functionality? 

To top it off, i immediately I separated the XXXX  into XXXX USD and XXXX XXXX so Gemini could easily send the bank back the extra XXXX, which would have overdrawn that account. 

They took that XXXX and sent it back to the bank immediately. 
I purchased XXXX cryptos that day. 

However, they froze my account afterwards and asked for some identity verification. I have fully submitted everything 3 times and it is 30+ days later and all I ever get is an email saying they will get back to me soon. They still have not. 

Meanwhile the value of my account has plummeted to XXXX XXXX I asked them to switch my funds to XXXX while waiting. They said no. I told them to liquidate my account and send funds back to original bank account, again no. 

I can not access my money for 30+ days and it is impossible to get anyone on the phone. I want my funds returned and to warn everyone. 

DO NOT USE THIS EXCHANGE. HORRIBLE CUSTOMER SERVICE AND YOU WILL NEVER GET TO ACTUALLY SPEAK TO ANYONE. PHONE # IS NOT PUBLISHED ANYWHERE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: EQUIFAX, INC.
State: IA
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:
I checked my credit XX/XX/2019. Found multiple collection accounts listed from a hospital that I have been to. The dates listed were within the last four years that I have been covered by Iowa XXXX. So I went and asked for a statement that shows my history of visits and the billing that took place for the services. There are only 4 balances due. Equifax has 15 individual balances that not only do not match the balances. The dates, account numbers, and actual visits are not correct either. The hospital provided me statement for proof. XXXX and XXXX disputed it immediately. Equifax however is not providing me a way to dispute this. I have called a dozen times and I get no where for a long in. I asked if I could fax the documents, mail the documents, or what can I do to fix this. I keep being told they need to further verify my identity even though I have an account with them. This isnt right or fair. I just need to fix this. I work hard for the little bit I have been blessed with. I'm just trying to protect my future. Please and Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
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: Account status incorrect

Complaint:
I am requesting an updated report on my credit file and dispute results from my recent dispute ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-07
Company: SYNCHRONY FINANCIAL
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
- XX/XX/XXXX Unauthorized credit card payment of {$2300.00} issued from my XXXX XXXX  XXXX account to Synchrony Bank Credit Card as below : Electronic File Trace Number : XXXX Remit Account Number : XXXX Payment Date : XX/XX/XXXX Payment Amount : {$2300.00} Payee Routing Number : XXXX XXXX Bank Account Number : XXXX - XX/XX/XXXX Requested to stop another incoming unauthorized credit card payment from my XXXX XXXX XXXXXXXX account to Synchrony Bank Credit Card 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
Consumer complaint received 2018-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Transunion continues to report an inaccurate account on my report which is in direct violation with FCRA law. They are reporting that I was late on a XXXX XXXX account number XXXX  4.9 years ago however they are not reporting the month date or year on my credit report and they refuse to provide the documentation they are using to report the inaccurate information. I need your assistance in getting this inaccurate account off of my credit report asap. They are reporting that it last updated in XX/XX/2017 buy yet is says payment status is unknown but saying in my summary that I was late. It's contradictory information that they are reporting and it's all wrong. I've also requested they remove the employer reporting for I don't work there and they continue to report the inaccurate information.

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 2019-05-07
Company: U.S. BANCORP
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
CFPB reference number XXXX Have no option to use US Bank NATO Bill pay account from USA Treasury pay.gov with reference company ID There is also a reference DUNS Number for all my VISA Cards

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 2021-09-16
Company: Experian Information Solutions Inc.
State: GA
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:
Experian has reinserted a disputed account back onto my credit report. The account in question is XXXX/XXXX  XXXX . XXXX/XXXX  XXXX has been sued and found liable for targeting and deceitful lending practices in which I was a victim of. XXXX victimized millions of consumers. Consequently, a class action lawsuit was filed and XXXX was forced to pay damages and forgive millions in loans. The fact that the loan was fraudulently/deceitfully established, this adverse account must be removed from my credit report. XXXX and XXXX had promptly removed this account, as they should have. But, for some reason Experian continues to be the most unreliable and negligent credit reporting agency around by continuing to report illicit adverse information. I am currently suing Experian for the inaccurate reporting of a bankruptcy. I will surely bring this issue up doing my court hearing, Further providing evidence of how Experian does not abide by the FCRA guidelines. I have provided all necessary information on the XXXX account in my dispute of the account, so I will not upload again. I will take the files to court.

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