BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX, I have submitted a claim to the Trans Union credit bureau, but did not comply with all the requests. Trans Union arranged several late payments but not in full. I am going to attach in this new claim the evidence where it shows that the monthly payments of the mortgage of my house with the XXXX Loans company have been made in the correct time. I also ask that my name in the information appear as XXXX XXXX XXXX XXXX, the address is XXXX XXXX XXXX XXXX, Florida XXXX, telephone XXXX and as a profession or occupation XXXX XXXXXXXX because it is the degree I did at the university and I work on my own. Finally, I want the free annual report that by law corresponds to me. I am attaching the confirmation of the payments that I made to the XXXX Loans company from XX/XX/XXXX to XXXX that appear as late payments, also the agreement to be from the month of XX/XX/XXXX and continuing in the forbearance program that reduces monthly payments. The payment for the month of XX/XX/XXXX appears with the month of XX/XX/XXXX because they did not remove the payment from my account as they did every month.

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 2020-12-09
Company: Collection Service of Nevada
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX  and collection services of Nevada Have conspired to fraudulently charge me with this collection charge off. XXXX XXXX XXXX  has fraudulently has accounted for billing against me and file collection charges against me. XXXX XXXX XXXX  has no legitimate documents to prove other than written dollar amount that don't comply to the documents of charges that I haven't closed as follows if you look at the charge she it doesn't respond or connect to the handwritten dollar amounts that are on the accounting and billing statements. This is utterly nothing but a fraud set up and I want this taken care of legitimate 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 2020-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 provided a one time consent to pull credit on XX/XX/XXXX to XXXX XXXX. The vehicle was delivered to the primary buyer on XX/XX/XXXX with no problems and the account opened on my credit. 

In XXXX the primary buyer was told that a minimum of 3 references were now required. The buyer was forced to do so under void of contract despite already having possession of the automobile with an open account and another credit inquiry was generated. 

The account was opened on XX/XX/XXXX with the primary buyer taking possession and no need for any further credit inquiries were warranted. The unauthorized inquiry on XX/XX/XXXX is self evident as an unauthorized inquiry since the account was open. 

The sales person who can attest to the single credit pull and sale completion on XX/XX/XXXX is XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, Michigan.

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 2020-05-15
Company: Experian Information Solutions Inc.
State: PA
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: Investigation took more than 30 days

Complaint:
EXPERIAN FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN 30 DAYS. IN ADDITION THEY FAILED TO PROVIDE THE INFORMATION ON FILE CONCERNING THE DISPUTED ITEMS PURSUANT TO SECTION 609 OF THE FAIR CREDIT REPORTING ACT

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 2020-12-09
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to have credit issued to us for escrow overcharges through a modification. This complaint has been filed with you since XXXX to the present in my complaints which provide the documents from us and their responses without any resolution. This complaint was filed with CfPb and ct sate attorney which ocwen settled in XXXX and XXXX which we did not receive any compensation damages since both settlements. An agent from CFPB provided me address to ocwen ombudsman yesterday requesting I call them and ask for my compensated damages. I also sent out to XXXX and ombudsman with the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
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 {$0.00}, {$0.00}, {$0.00}. 
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 onXX/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.

-- OPEN ACCOUNT 1. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -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 2020-09-02
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
There is an old account on my credit report that should no longer be reporting. It is 6 yrs old closed 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 2021-02-23
Company: CITIBANK, N.A.
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX I made A {$1000.00} payment and told the phone rep that the payment is for XXXX and XXXX I am having XXXX and I want to be ok as far as late Problem is citi customer service is in XXXX and XXXX they all have trouble understand English therefore they dont know what to do put u on hold too much lai make fun of laugh and pretend to be a supervisor So XXXX comes I keep getting call 3-4 times a day I call citi to find out what is going on and they told me I am late past due and delinquent Why they took this harsh un necessary action when I didnt do anything wrong After my complaint to executive office XXXX told me the person handling my issue will call me by friday XX/XX/21 And will stop the phone harassment Do to Texas cold No one called me so I called back left. Message phone harassment still going They are recking my credit for no correct reason and if they reck my credits file they will be sewed

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 2020-05-15
Company: Global Lending Services LLC
State: NM
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
At the end of XXXX I called Global Lending Services requesting a forbearance on my XXXX car payment due to the pandemic. I was told to call back three days before my payment was due. I called back three days before my payment was due and was then told to all back once my payment was past due. I called the day after my payment was due and was told I had to call back when my grace period of 10 days ended. I called on XX/XX//20 ( 10 days grace period included ) and I was told my payment was late and that I could not move my XXXX payment to the back of the loan. I was told the only way they would do it was if I made a payment for XXXX then MAYBE they could move XXXX. This company is refusing to help people despite the current pandemic! Theyre taking advantage of the situation and lying to their customers in a time of need.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
I recently sent letters over 60 days ago to the bureaus and they are disregarding a regular consumer dispute. I am beyond stressed and at my wits end. I have been sending letters before this and still they have not sent a response. Please help its having a huge damaging effect on my credit report and score.

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 2018-10-01
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had multiple cards with this XXXX and have always paid my accounts on time. They have closed accounts that were in good standing with no balance like my XXXX XXXX account. They have lowered credit limits on 4 of my credit cards which impacted my credit score tremendously. They are ruining peoples credit and lives. By them closing accounts in good standing and lowering my credit limits after having the accounts 2+ years it has hurt my house buying process. This company needs to be stopped or a lawsuit needs to be filed against them. They do not give you notice of closures or limit decreases until 30+ days after they have done it. My credit has been damaged due to them and their unlawful practices. NOT ONE ACCOUNT WAS OR IS IN BAD STANDING!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: EQUIFAX, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
I recently sent letters over 60 days ago to the bureaus and they are disregarding a regular consumer dispute. I am beyond stressed and at my wits end. I have been sending letters before this and still they have not sent a response. Please help its having a huge damaging effect on my credit report and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I disputed a charge w/Chase Bank. It was a {$400.00} charge from XXXX XXXX XXXX and it was supposed to be refunded after my car rental was over. The charge was made on XX/XX/21. Chase sided with XXXX XXXX XXXX and claimed that XXXX already refunded my money on XX/XX/21. The problem is that there was never any such refund and, even the date they're telling me it was refunded is wrong. How could they refund me a day before the actual charge? I tried to get help from Chase for 5 hours yesterday. I am a XXXX person and I am emotionally fragile. I told them that many times. They openly ridiculed me and one employee even told me that she " can't make [ your ] eyes see ''. I am not XXXX and I could see fine. There was no refund EVER. Chase refused to reinstate my provisional credit and my bank account became overdrawn. I contacted them at least 2 dozen times for help. They refused to not charge me an overdraft fee. A manager in their Executive Offices told me that I had a choice - I could get the credit and have my account closed or I could not get the credit and keep my account. That's extortion. Then, she told me she would give me the credit, but is closing my accounts. They won't tell me why/when/how. I am no longer allowed to seek customer service with Chase. They are discriminating against a XXXX person, they took {$400.00} from me and when I asked for forgiveness on the overdraft fee, they refused.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-27
Company: Experian Information Solutions 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:
THE ACCOUNTS/INQUIRIES LISTED ARE FRAUDULENT SOMEONE USED BY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS I AM VICTIM OF IDENTITY THEFT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: EQUIFAX, 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'M HAVING A VERY HARD TIME WITH THE CREDIT BUREAUS HELPING ME CORRECT ERRORS REPORTING ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Credit report is missing reported debt. 

acocount information is as follows : XXXX XXXX date opened XX/XX/2019 balance {$190000.00} should be reported to Experian and is not being reflected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: CITIBANK, N.A.
State: CA
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:
Citi Bank ( Mastercard ) sent me a letter closing my account stating it was closed due to non-activity. They did not send a warning letter or call to inform me this would take place. I have been a customer with flawless payment history since 1990, 30 years. As a consumer I feel my rights have been violated and action should be placed against Citi Bank. I feel this is due to my age. I tried to call and have the card re-instated, but they would not due so unless I re-applied for a new card are pull my credit. I feel I have done nothing wrong and being treated unfairly. As a result my Credit Score has declined by their actions. I should have been given a warning prior to closing my account. I have received warning letters from other Companies like XXXX XXXX. This tells me this practice of closing accounts without warning is not industry standard. I want this addressed.

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 2020-12-09
Company: Experian Information Solutions Inc.
State: NV
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:
We refinanced our home in XXXX. The new mortgage company paid off {$250000.00} via wire transfer that was completed XX/XX/XXXX. XXXX XXXX reported us 30 days late even though the wire transfer had been confirmed as received before XX/XX/XXXX. 

We hired an credit repair attorney to get the incorrect information corrected and the credit bureaus refused to correct the information as well as did XXXX XXXX. I was told I would need to file a law suit against the bureaus by the credit repair company. 

A few other things are worth noting : 1 ) the credit file is reported incorrectly - reporting XXXX XXXX as currently late with a XXXX balance. 
2 ) I called XXXX and XXXX in XXXX and they customer representatives told me there was no lates on my file in relation to XXXX XXXX, but it shows when my mortgage company pulled my credit file shortly after in my efforts to obtain a new mortgage. 
3 ) I have documentation proving that XXXX XXXX had received the payoff on the XXXX, before the 30 day late marker.

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 2020-12-09
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
XX/XX/20 : Opened Coinbase XXXX ( product division of Coinbase ) account ; verified all information requested including driver 's license & personal picture upload XXXX : Deposited {$70000.00} usd without any issue or indication that any information was lacking XXXX : Deployed deposited funds to purchase XXXX  ( at which point coinbase profited heavily off my transactions XXXX XXXX : Account was frozen without notice ; subsequent attempts to alter my held positions were unavailable as " trading was disabled '' on the account. 

After reaching out to Coinbase I have not received anything but a generic response from the company, despite numerous inquiries, as to why my account was disabled. As a result of not being able to manage and trade my positions, I have incurred {$1700.00} in direct monetary damages as of this submission. 

I have never experienced this type of customer service from a financial institution, much less one that allowed me to deposit significant money then freeze my funds only after they profited from deployment. I would like relief from this situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-27
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Thank you in advance for your help. 
On XX/XX/XXXX, when I attempted to withdraw cash from ATM, I noticed there was {$4000.00} discrepancy in my balance on my Pennsylvania US Bank Reliacard, which was issued to me in XXXX when I applied for Unemployment. 
I immediately called US Bank to report this. I was told there were 2 unauthorized fraudulent transactions of {$2000.00}, electronically transferred from this card to a personal checking account, which was obviously not done by me. I was told a fraud investigation would start immediately. 
I was told the card would be inactivated immediately, and it was. 
A new card was sent to me ( {$15.00} charged to me to have it send overnight ) I activated the new card, which was used just a few times. 
A few days later, I received a letter in the mail from USBankReliacard. It said " Thank you for the change of address. It has been updated in our records '' I have NEVER changed my address. I have been living here since XX/XX/XXXX. When I called them, I was told " Don't worry about that letter, it is computer generated, means nothing ''. 
Shortly thereafter, I went to use my card, and it was declined. I called them again, and was told " A red flag was placed on your new card, the money on the card is on hold '' When I asked why, I was told " due to the address change ''. 
I have been calling them daily, have faxed numerous documents to them several times. These documents include Drivers License, W2, pay stubs, etc. They have received everything they asked for, verified on the phone with me. 
As of this date, XX/XX/XXXX, this money is still on hold. 
Every time I call, I get a different person on the phone, with different instructions, different fax #, different stories. 
I spend countless hours just trying to resolve the hold on the money. They also hang up on me, without even speaking to me, due to the extreme amount of calls they are getting. 
I was told that there are 12,000 cards on hold right now, just in PA, due to the amount of fraud that is going on! 
Please help me as soon as you can. I have no money at all. I am sure there are many, many other people in the same situation. It is very sad. I am unable to pay any bills, such as rent, car payment, car insurance, utilities, etc. 
I do realize the fraud investigation can take up to 45 days. When I talk to Customer Service, I am told that is a separate issue. I was also told that I would receive updates concerning the investigation, and have not received anything.

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