BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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:
The inquiries listed on my credit report do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
Company: WELLS FARGO & COMPANY
State: TN
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 non-monetary relief
Consumer complaint received 2023-07-28
Company: Upgrade, Inc.
State: PA
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:
NOTICE TO CEASE & DESIST UPGRADE INC is actively reporting two accounts to each of my consumer reports with XXXX, XXXX and XXXX that I do not recognize. This is a direct violation of the FCRA - Regulation V and Section 623. UPGRADE INC is also reporting to each of my consumer reports as derogatory accounts with an account type of : OPEN. I do not have any accounts with UPGRADE INC . The payment statuses are being listed as both : COLLECTION/CHARGE OFF - I have not now or ever received a 1099 for any amount of written off alleged debt from UPGRADE INC which in turn would be considered taxable income. Income can not be reported on a consumer report. UPGRADE INC is also reporting : Purchased by another lender or as account sold. That is constructive fraud. How can an account be listed as open, and charged off?! According to the FCRA you have a duty to provide CRAs with accurate information. Pursuant to section 623 ( a ) of the FCRA it is prohibited to report such inaccuracies. 
I demand immediate removal of any and all information regarding : XXXX XXXX These unrecognized accounts are damaging my character and financial reputation, causing emotional distress and preventing me from being able to extend my credit. I do not have any contracts with UPGRADE INC . I demand you to cease and desist from causing me any further emotional, financial and psychological harm. UPGRADE INC is also defaming my character. I also demand you to instruct all credit reporting agencies to permanently cease and desist from reporting any information provided by you. This notice also serves as acceptance of all terms stated herein. Credit reports play an important role for consumers. Specific provisions of the CARES Act, the FCRA, Regulation V, the ECOA, and Regulation B are designed to ensure the fairness and accuracy of these reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Certified Credit Reporting, Inc.
State: OR
Product: Credit reporting 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:
I did not authorize any of these inquiries : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + All Banks XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX  XXXX XXXX 
XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX + Television & Radio XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX + Credit Unions CERTIFIED CREDIT REP Inquiry : XXXX. XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXXXXXX. 
XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + All Banks XXXX Inquiry : XXXX XXXX, XXXX + All Banks ( XXXX ) XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXXXXXX XXXX 
XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXXXXXX - XXXX XXXX  Inquiry : XXXX XXXX, XXXX + All Banks ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX  XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: UMB FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened up a XXXX XXXX account with the following promotion : Open a XXXX XXXX XXXX account and XXXX  account, get {$50.00} once you deposit {$25.00} or more within 7 days. I opened the accounts on XX/XX/2022, funded {$25.00} on the same day. 

Also in the terms and condition : " The cash award will be deposited directly to the XXXX XXXX XXXX account within 10 calendar days after the qualification period. Amounts deposited by XXXX in the form of the cash award will be initially held in the eligible accounts core position. You will be provided information regarding the available core positions for the account type you select during the account opening process. You have the option of selecting a money-market fund sponsored by a XXXX affiliate as your core position. No further investment or trading is required to qualify for the offer. '' As of XX/XX/2022, I still have not received the {$50.00}. I inquired about this by phone on XX/XX/2022, and was told it would post the next day. It did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Credit card airline I have no idea whats this is! Its not mine I never did anything with a card but one

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 2017-07-24
Company: EQUIFAX, INC.
State: MO
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:
When applying for loans ; many times multiple inquiries are made by auto dealerships to secure financing for customers. These inquiries should work like debit card transactions where the inquiries are made and the one that gets to remain on the report is the one that secured the financing. The inquiries stay on a persons bureau for two years and while they minimally affect one 's score ; it can make consumers look desperate for financing when in fact, the merchant was trying to secure the best rate for the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Reliable Credit Association, Inc.
State: OR
Product: Credit reporting 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:
I didnt authorize any or these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: LEXISNEXIS
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: Reporting company used your report improperly

Complaint:
I am writing this complaint to LEXISNEXIS. I sent them a letter regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
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: Their investigation did not fix an error on your report

Complaint:
I contacted my bank, XXXX, starting in XX/XX/2018, on several occasions to resolve the problem of my home mortgage credit history not being reflected on my Transunion and XXXX credit reports. It's only shown on my XXXX report. The bank did confirm that they do, in fact, report monthly to not only those 3 bureaus, but to XXXX as well. XXXX asked me to complete an " Authorization to update credit reporting. '' After calling Transunion on at least 3 occasions, the issue is still unresolved. I've also called XXXX on a couple occasions and have been on hold for literally over an hour on one occasion, and again for apx 40 minutes on another without ever speaking to a rep.

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 2018-02-07
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2017 a wire transfer for XXXX was generated by XXXX XXXX XXXX with destination to Coinbase ( XXXX XXXX XXXX  ). The name on the account in Coinbase was wrong. Coinbase said it would take no more than 10 business days for the wire to be refunded. after the 10 days the XXXX XXXX Customer did not get the XXXX deposited to her account. She proceeded with a attempt to recall the wire. XXXX XXXX has sent a total of 5 notifications to request the wire to be returned. XXXX XXXX XXXX has not responded to them. XXXX XXXX XXXX has acknowledge that they have the money but have not retuned the XXXX. they do not have a well established customer support and all communication is inefficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have been scammed through XXXX XXXX XX/XX/XXXX. I was selling a laptop for a {$1000.00} and a person called XXXX XXXX, in XXXX, approached to me asking for the computer. The purchaser offered {$1000.00} for the laptop plus another {$100.00} for one-day shipping. I accepted the offer, and he/she asked me to provide my PayPal account. I sent a direct link to my PayPal account, so the payment could be made. The buyer then requested my email address to send the payment, stating that the link I provided did not work. I gave my email address. After that, I got an email supposedly from PayPal saying that the payment was made, but it was going to be on hold until I shipped the computer and provided the tracking number and copy of the receipts. I shipped the laptop the same day to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX ), and sent the tracking number ( XXXX ) and the receipts. Then, I got another " PayPal '' email requesting me to wait XX/XX/XXXX hours for the payment to be credited into my PayPal account. On the next day, I received another " PayPal '' email claiming that the payment exceeded the amount of money my PayPal account was allowed to receive, and to upgrade it to a Business account so the payment could be credited into my account. It also said that the purchaser had to pay an extra amount of {$600.00} to reactivate and complete the transaction, and that I would be rewarded with another extra {$100.00} as a compensation fee for holding the funds. After I upgraded my profile and the purchaser supposedly made the extra payment, I received another email alleging that I needed to refund the extra money paid by the buyer in the form of gift cards, and to submit the activation codes and the receipts, before the payment could be credited into my account. I accepted, bought 6 XXXX gift cards, and sent the activation codes with the receipts. Below are the XXXX gift card activation numbers : XXXX XXXX XXXX XXXX XXXX XXXX After that, I received another email requesting me to wait another XX/XX/XXXX hours to check the legitimacy of the gift cards. On the next day, I received another email claiming another problem with my account, saying that the buyer had to pay another extra {$800.00}, and requesting me to make another refund when in reality I have not gotten paid yet, and the buyer reported that he/she already got the laptop. I asked my family members and discovered I was scammed. I have no pending transactions in my PayPal account. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I recently moved from XXXX  to XXXX for work and listed my house for sale. I owe about $ 250K to Chase. It seems the house is worth less and I applied for assistance in XX/XX/XXXX. In the interim we received a qualified offer at $ XXXX. After much aggravation, Chase declined this short sale because my loan is not delinquent. I am no longer able to pay the mortgage and my new rent, and Chase seems more willing to drive me into foreclosure than accept this offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Professional Finance Company, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Professional Finance Company and XXXX XXXX claim I took an ambulance ride in XXXX. I have tried to request records multiple times and proof that it was me and have never had a response from either company. I have left several voicemails, disputed it multiple times with all three credit reporting agencies, most recently in XX/XX/XXXX and XX/XX/XXXX, specifically demanding that they provide documentation that it was me, such as a signed statement, a copy of my ID, or any physical proof that it was me that took the ambulance, while providing the attached FTC ID theft report. I had a similar bill from XXXX XXXX from the same night, assuming that the ambulance was dropped there, however, I can not get any records from XXXX ambulance or Professional Finance Co, but they keep " verifying debt is accurate '' in my disputes to the credit agencies and will not provide any actual proof or documentation of the incident as demanded. The debt from XXXX XXXX was dismissed and removed because they did not have any copy of ID or valid proof that I received the treatment. 

Professional Finance company has never contacted me, has no authorization to report this to credit bureaus, has failed to respond to multiple inquiries and messages left for them for follow up, has not provided accurate proof in multiple disputes covering multiple years, and needs to be penalized for there absolute disregard to the law and Fair Credit Reporting Act Section 609 ( e ) relating to Identity Theft. I have provided my FTC filing for Identity Theft Report and they have still failed to properly furnish information required by law or respond appropriately by the laws and rights given to me. This must be removed from my credit report immediately.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Berlin-Wheeler, Inc. (Kansas)
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have already talked to this company four times and I have already disputed this once and they put it back I have already explained that I have never heard of XXXX XXXX that I have only ever lived in California I got my identity stolen about 2 years ago now and that is around the time this cox account was open they keep trying to tell me that there is nothing they can do I do not believe it is fair for me to pay something that was never mine to begin with as well as be told that I am lieing about where I live

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: CENTRAL BANCOMPANY, INC
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My husband and I have banked with Jefferson Bank of Missouri for years. On XX/XX/XXXX I opened a new checking account at Central Bank of XXXX. After I opened this account, I called Jefferson Bank of Missouri to close that account. They refused at that time, and said they would be able to cancel it on Thursday, XX/XX/XXXX. Their reason for refusal was due to pending items to be paid. They did not close the account as they said, and since then, I have been charged at least {$1400.00} in overdraft, return fees, and maintenance fees. On XX/XX/XXXX Jefferson Bank of Missouri took {$1800.00} from my Central Bank Checking account to cover the excessive fees they charged me over the last 2 months despite my request to close the account. This left me with only {$180.00} to live on. When I called them, they said they would only return fees charged in XXXX because they had been sending me notifications of these charges. I have checked both my husbands and my emails, and mail and there are no notices from Jefferson Bank of Missouri that I can find regarding these fees. 

Had I not opened an account with an affiliated bank of theirs, I believe they would not have left this account open and charged me excessive fees as they have. They did this knowing they could take from my Central Bank account. As of this morning, XX/XX/XXXX my account is still not closed, I have not been reimbursed for any of the fees, and they Still have not closed my Jefferson Bank Checking 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 monetary relief
Consumer complaint received 2020-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am a victim of identity theft, capital one allow someone to open a fraudulent credit card account with my information I been trying to resolve this matter I also reported to the police and also email capital one the police report I called everyday & ask them to do a full investigation an remove the fraudulent credit card loan off my credit report, No Response from the credit company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-27
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 {$9500.00}, {$25000.00}, {$0.00}, {$400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account. 

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

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

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -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 2023-03-15
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
There's things on the credit report that's been on there too long and I have tried to solve the problem and the car leases on there is wrong 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