BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/XXXX I ordered a credit report from TransUnion for {$19.00}. I thought I was making a one-time purchase of a report, but was instead enrolled in an ongoing monitoring program charging me {$19.00} per month. Since XXXX, I have received several " update '' emails about changes to me credit report, but no bills, statements, or other indications that I had an ongoing subscription with TransUnion. I have therefore been paying {$19.00} per month from XX/XX/XXXX until today XX/XX/XXXX. I called TransUnion to dispute the charge. They refused to refund the ongoing charge, but agreed to terminate the subscription immediately. 

I believe the lack of regular notices about the recurring charge is an underhanded way to keep people inadvertently subscribed to the service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-05
Company: Experian Information Solutions 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 have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2020-11-17
Company: Express Recovery Services, 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/2020, EXPRESS RECOVERY SER add a collection on my credit report per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I did a wire transfer to coinbase on XX/XX/XXXX and my account has not been credited yet. I submitted a ticket through coinbase on XX/XX/XXXX but I have not heard anything back. The case # is XXXX. I have contacted them multiple times and I am getting nowhere. Any help would be appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-06
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Walmart Store Card Payment showing a 'Processed ' 1/4, but last payment not reflected in data and applied to Balance Filing Complaint with Walmart but real problem is Synchrony Bank which have encountered with other retailers they act a card service provider. 

This is very deceiving, misleading and can result in duplicate payments being scheduled and delays being reflected in Balance on account. Money has already been pulled from my financial institution,

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 2021-02-11
Company: Comerica
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
on XXXX i was working out at the park in XXXX Tx and after about an hour i noticed my direct express card was missing. I began asking people at the park if they had happened to see a card and if so that it was mine. Nobody claimed they saw it. i began back tracking and searching for at least 2hours. The card was no where to be found. Once my friend picked me up, XXXX XXXX, he helped me look for it, as well. We were unable to find it. At that time, I immediately called DirectExpress # and reported that my card was lost or stolen. I also phoned XXXX on XXXX and reported it to them as well. I spoke w/XXXX. I spoke w/a XXXX, I spoke w/a XXXX emp # XXXX on XXXX, supposedly a supervisor. I was advised that I would receive a new card in 2 or 3 days, I actually received it the next day by XXXX, charged {$13.00}. I thought everything was fine until I went to the XXXX XXXX in XXXX and the card was declined. I used my old pin # then tried my new pin # both declined. The card that they sent me was the same 16 digit number on my card that was lost or stolen. I was advised in order for me to activate my card i must do it online. Well the policy online said for me to call DirectExpress. The last person I spoke to at DirectExpress was XXXX XXXX and she advised me that she would UNBLOCK my card and I would be able to use it. Well I never ask anyone to BLOCK my card in the first place, I REPORTED IT LOST/STOLEN. I spoke w/this XXXX on XXXX and on XX/XX/XXXX I went to XXXX in XXXX Tx and the card WAS DENIED. I am not happy with the way they have handled this issue. They have lied, given me the runaround. It appears to me that they are not very honest people or else maybe they need more extensive training for their jobs. Whatever the case may be, I certainly hope you will handle it promptly. 

Thank you for your time and attention in this matter and I look forward to hearing from you. You can email me at : XXXX You can leave a message for me at XXXX XXXX XXXX XXXX. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: MJ Altman Companies, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, FL XXXX Attention dispute department : M J ALTMAN COMPANIES I XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not  responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a  notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious M J ALTMAN COMPANIES I XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On XX/XX/2018 I purchased a car. My credit has always been in the high 700 's and low 800 's but at the time I purchased the car my credit rating was XXXX. All of the reports on my credit history was accurate, I have about a 7 % utilization rate, 4.5 year old credit history and except for a payment my son missed years of perfect payments. My income stream has not changed so nothing accounts for the nearly 200 point reduction in my credit. When I called TransUnion I was told to contact the individual company that wrongfully reported credit, however, all of the credit reports were accurate. All of the factors that existed when I had a XXXX  credit rating are still there but my rating was XXXX. Please help.

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 2020-06-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
At the Wells Fargo Bank branch located on XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , CA XXXX on Saturday XX/XX/20 at about XXXX, I went to get cash ( {$120.00} ) from my checking account ( as I have been doing once a week for about the last 15 or 20 years to get cash to use at the gas stations which no longer accept checks ) and the bank personel refused to honor my request. They said they were discriminating against me and refusing to give me MY MONEY because I don't wear a face mask. When I told them that they don't have a right to refuse me MY MONEY, they ( XXXX XXXX ) called the police ( officers XXXX  badge # XXXX and XXXX XXXX badge # XXXX of the XXXX County Sheriff 's Dept. ) to escort me off the premises. Because the bank refused me MY MONEY and used armed force ( the police ) to force me to leave without MY MONEY, the bank has basically committed armed robbery against me. In their act of discrimination against me. The resolution I am seeking is stop them from continuing to try to force people to wear masks which is a violation of everyone 's basic human rights, as a virus can not be transferred thru the air or by touching anything ( a virus is only a protein fragment produced by your own body and is never alive and can not reproduce and is not contagious. You can only get a virus from an animal or from someone elses body by having it injected into your bloodstream ). I also want you to start a class action lawsuit against the bank on behalf of all citizens to seek damages against the bank for their violation of everyone 's basic human rights.

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 2019-01-06
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I was approved for the XXXX XXXX American Express credit card which had a bonus of XXXX reward points with {$5000.00} in purchases within first 3 months. I called up the number of my card and verified that buying Amex gift cards would allow me. So I purchased {$5000.00} gift card. 

The Amex representative in early XXXX again confirmed that I will be receiving XXXX in points within 4-6 weeks and now they are declining and saying I am not eligible for the points! 

Investigation number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
Found the vehicle that I wanted at XXXX XXXX via XXXX XXXX  Called to confirm availability XXXX XX/XX/2021 XXXX. Once it was confirmed available, I did a pre approval through XXXX XXXX. I contacted the dealership shortly after they opened ( XX/XX/2021 ) and was put in touch with a dealer by the name of XXXX. I gave him my pre approval number and I was told that the ball was rolling on the purchase. Even got a call from the finance department telling me to come pick up the vehicle. 15 minutes later, I got a call from XXXX saying it was already sold. 
After that, I got a notification from XXXX XXXX that I had a new credit inquiry from the XXXX XXXX. I found out that they ran my credit even though I was already pre approved through XXXX XXXX. Over the next 2 days, I had 2 more inquiries added to my credit report. Now XXXX wont reply to my text or answer my calls and finance department wouldnt pick up until I called from a different number. When I talked to the finance manager, I asked why my credit was ran after I already had a pre approval and he said that the interest rate that I was given wasnt good for me and that he didnt know anything about me and claimed that XXXX XXXX didnt send any of my info over so they had to run it again. 
The car is still available on XXXX XXXX and their website as of XXXX XX/XX/2021

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 2020-12-14
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX i visited the emergency room XXXX XXXX in XXXX for severe XXXX pain. I was diagnosed and given medication. The billing representative came to tell me how much I would owe, and said I would get a discount of about XXXX dollars if I paid right then and there. I agreed and paid. Months later after getting no notice or mail I start getting phone calls everyday from a debt collector for said XXXX dollars.

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 2021-08-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports and found that someone had used my Identity. 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. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: United Shore Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage in XXXX of 2019. Were not able to close due to multiple factors, one of them Fraud committed on our loan. They have had our escrow deposit since then and do not want to release it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, I filed a complaint with the CFPB case # XXXX concerning fraudulent charges to my XXXX XXXX XXXX card When I pulled a copy of my XXXX and XXXX  Credit reports on XX/XX/XXXX, My best buy balance reported as {$1900.00}, with DATE REPORTED : XX/XX/XXXX But then incredibly and in response to my XX/XX/XXXX complaint of fraudulent charges, XXXX deliberately updated my balance MID-CYCLE to {$6800.00} on XX/XX/XXXX to reflect all the disputed fraud charges. There are only two ways to interpret this. Either XXXX recklessly posted the balance in error or XXXX retaliated to harm me and my family by deliberately posting inaccurate information. My credit score dropped another 16 pts as a result of XXXX actions, my closing for the {$600000.00} mortgage had to be cancelled. With a deadline of XX/XX/XXXX to close or lose my deposit, unless XXXX, XXXX and Equifax update this account to reflect the correct balance of {$1900.00}. I will be suffering more financial harm. 

Facts to support my claim : In a letter dated XX/XX/XXXX, XXXX admits they have not completed their investigation. Proving XXXX deliberately furnished inaccurate information in violation on every dispute regulated policy of the FCRA and State of Michigan laws. ( see attached letter dated XX/XX/XXXX ) this letter is also included in XXXX response to my CFPB case # XXXX ***I am requesting XXXX, Equifax and XXXX  to trigger the EXPEDITED DISPUTE RESOLUTION PROCESS and immediately update the balance of this account back to {$1900.00}. 
With the letter from XXXX admitting the current balance attached and also posted with the CFPB case # XXXX. If this doesnt qualify for an EXPEDITED DISPUTE RESOLUTION, what does? 

Attached : -Unredacted letter from XXXX dated XX/XX/XXXX -Copy of letter from XXXX dated XX/XX/XXXX w/highlights - XX/XX/XXXX Copy of XXXX  report for XXXX account # XXXX xxxxxxxxx XXXX XXXX  XXXX account referenced in letter - XX/XX/XXXX Copy of XXXX report for XXXX account # XXXX xxxxxxxxx XXXX XXXX  XXXX account referenced in letter Balance reported {$1700.00} - XX/XX/XXXX Copy of XXXX report for XXXX account # XXXX xxxxxxxxx XXXX XXXX XXXX account referenced in letter ; balance reported {$1900.00} - XX/XX/XXXX Copy of XXXX   report for XXXX account # XXXX xxxxxxxxx XXXX XXXX XXXX account referenced in letter ; Balance reported {$6800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05
Company: Advanced Resolution Services Inc.
State: NJ
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: Other problem getting your report or credit score

Complaint:
XXXX XXXX XXXX XXXX AM ( XXXX minute ago ) to me I hereby give you official notice that I have been subject to your company 's improper management of my private information, which has been distributed to parties unknown to me, for profit, without my consent or breached by malicious hackers. Being that I have the inalienable right to 100 % control and protect my private information, I am hereby proclaiming that your company no longer has the right to right to use my private information in anyway unless you get consent from me by calling XXXX or emailing me at XXXX. 

YOUR COMPANY NO LONGER HAS THE PERMISION TO PARTICIPATE IN THE FOLLOWING ACTIVITIES WITHOUT CONTACTING ME VIA EMAIL OR PHONE FIRST : 1.Storing and Furnishing my information without my VERBAL/WRITTEN consent without first calling me at XXXX or emailing me at XXXX. 
2.Using, supplying OR updating my information without my VERBAL/WRITTEN consent without first calling me at XXXX or emailing me at XXXX XXXX 
3.Selling my information without paying me first and calling me at XXXX or emailing me at XXXX I demand all on the grounds that all of my information is private and inherently belongs to me with all rights reserved by me, to me and me only. I repeat you must contact me before DOING ANYTHING with my private information at XXXX or emailing me at XXXX XXXX 

Also, I resend/void all consent for you to use my information I any way, rather its written, spoken, or implied, given unknowingly/knowingly, from me. If you claim that your company has such claimed consent, I contest that such was granted unknowing and/or I did not fully understand the terms and I was not issued full/clear/intelligible disclosure of such. Such a method of gaining consent is unscrupulous and fraudulent in nature ; hence I challenge the grounds in which you use to gather such illusive " consent '' from un expecting consumers as myself. 

I demand a report of all information that you have on me and a list of parties who you have furnished such information too without my consent. 

I will not furnish you with an address because I do not have XXXX ; as I am currently XXXX XXXX XXXX. If you try to force me to produce an address to correspond with me or allow access my information, please be advised that such is discrimination against a XXXX XXXX XXXX person, and I will immediately report such. Company policy does not supersede rights and protection laws. My contact information is XXXX or emailing me at XXXX. This is all I have and all you will get. 

Attached is Identification to Verify my Identity : Military ID : Front and Back Passport Social Security Card

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Portfolio Recovery is trying to recover a credit card debit when the Statute of Limitations has expired in Tennessee. Also the debit was discharged in a bankruptcy. I have told the company to stop calling me at least 5 times. I explained them the SOL in TN and the refuse to stop harassing me. Also they are in violation because they are concealing their identity when they call. They have called me more than 20 times that I have documented. All the calls are from different phone numbers that are not listed. This is a violation of the FDCPA. They have even called me from a phone number that is close to my own cell phone number. I do not owe this debt and I am being harassed from this company! I have added only 2 screenshots of comcealed identity phone numbers they are using.

Company response to consumer: Closed with non-monetary relief