BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-15
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX UNIVERSITY Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXXXXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
State: PA
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 XXXX # XXXX, has violated my rights under. 

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

15 u.s. code 1692b harassment or abuse

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/XXXX Re : XXXX XXXX XXXX ;XX/XX/XXXXXXXX XXXX On XX/XX/XXXX, I sent my notarizes affidavit, on XX/XX/XXXX, I sent my certified letter with return receipt. You have been non compliant and YOU BROKE THE LAW AND IS IN VIOLATION OF THE FOLLOWING SUBSECTIONS 15 U.S.Code 1681 OF THE FCRA, Before I proceed I would like to make it clear to your company, and those in positions of authority at your company that congress makes it clear that the banking system is dependent Upon my consumer reports being fair, and accurate to me, pursuant to 15 U.S.Code 1681 ( a ) ( 1 ).

Pursuant to 15 U.S.Code 1681 ( a ) ( 2 ) congress made it clear that you are an elaborate mechanism with no real standing, or authority.

Pursuant to 15 U.S.Code 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, and those around me causing me severe hardship, mental anguish, and XXXX, I have been unable to get a job and extend new credit because of you assuming this role. 

Pursuant to 15 U.S.Code 1681 ( a ) ( 4 ) You were unfair in reporting this erroneous information without first consulting with me the consumer : You have no proof that this transaction even took, place you were also impartial because you allowed information to be reported while only hearing one side of the story.

You have been reporting inaccurate information under FALSE PRETENSES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been a victim of identify theft and I have reported the problem with local police, FTC AND CFPB I did notice some incorrect addresses and employer information that needs to be removed as soon as possible because it is incorrect. I have reached out to the companies already and got no help I have attached my Florida driver licenses which has my correct address. The employer information is incorrect as well and needs to be removed I am monitoring my credit daily sense my ex boyfriend use my information to obtain fraud accounts in my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: IL
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:
I have not received verification of my inquiry and according to the FCRA ( Fair Credit Report Act ) legally these unverified and unauthorized items must be removed! 

XXXX XXXX XXXX  XX/XX/2022 inquiry XXXX XXXX XXXX XXXX XXXX inquiry Experian- XXXX XXXX XX/XX/2022 inquiry 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 2021-10-07
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: Account information incorrect

Complaint:
I have contacted Transunion several times about correcting an error on my credit report concerning a loan that I had with XXXX. I paid this loan off on XX/XX/XXXX. Both XXXX and XXXX show the loan has being paid in full. Transunion refuses to correct this. I have contacted them with the help of an attorney in XX/XX/XXXX/XX/XX/XXXX and they still have not updated the balance to reflect as {$0.00}. I submitted to them the letter showing the loan being paid in full. This is extremely frustrating. I would like my credit report updated immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called to unfreeze my report. I was asked for my full social security number and I refused. I gave them the last 4 digits and they were able to complete the process. There was no reason to ask for my full social security number if the last 4 digits gets them to my file. This is a dangerous procedure.

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 2021-02-02
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Credit card company continues to decrease my credit limit while I'm not using my cards but paying them down. I'm 100 % on time with all of my creditors. I made a larger payment on both of my citi bank cards and a couple days later my limit was decreased for the 2nd time. This is unfair to decrease individuals who are being responsible and not using their credit. It makes it look like one has maxed out their cards when they haven't. It's covid19 and people are struggling but decreasing ones limit damages their credit score. I still have my job and making on-time payments. I do not want this to damage my good credit.

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 2019-11-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft, and have filed a complaint with the Federal Trade Commission. I am disputing a collection item placed on my credit report XX/XX/2019, with a company known as XXXX   This item was removed from my credit report back in XX/XX/2019, and has been placed back on my credit report to Equifax, XXXX  & XXXX XXXX. 
I have never had any business dealings with a collection agency known as XXXX XXXX, nor have I signed any documents or agreements with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On or about XXXX XXXX, 2017, my account to both BUY and SELL cryptocurrency was blocked ( restricted ) on Coinbase. I have no ability to sell any of my virtual currency - of which I own over {$120000.00}. I can not buy more. They are holding my money XXXX, not allowing me to access the cryptocurrency  and sell when the market drops. I have sent emails every day, sometimes twice a day. At first they ignored me. Then I started sending XXXX messages to their support team and executives. They sent me a note from a customer support rep scolding me for being impatient and saying they were working on it. On XX/XX/XXXX I got a message saying my account had been unblocked. TOTAL LIE - I am still completely blocked. This is obviously illegal and a scam. I have over {$120000.00} sitting with this company that I can not access. They ignore all requests for help, have no phone support and when I did finally reach down their corporate office phone, all you get is a voicemail or an automatic hang-up. A company that goes to great lengths to make sure no one can contact them is a scam. These people hold millions of dollars in consumer funds and have thousands and thousands of angry customer complaints all over the internet. They need to be CLOSED DOWN.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
Hello, This complaint is against Bank of America credit card claim department regarding {$120.00} charge dispute. 

I did online shopping from XXXX XXXX on XX/XX/2019 and was waiting for tracking number for 15 days. Then i tried to click on there email to track packaging website was not working and it seems to be fraud.

I called bank on XX/XX/2019 to file dispute and they credited me on XX/XX/2019. I checked my app on XX/XX/2019 and saw charge of {$120.00} and i called them and asked about that charge and they said dispute claim is denied as they recevied reply from merchant that they have delivered me product and they are waiting for my return receipt. 

I told agent i didn't recevied package forget about return. There website is not working and i dont have tracking number to track package neither any form of contact info to reach out merchant. 

Agent told me that they have mailed be denial letter and also letter to file again. I told i didn't recevied that and i dont access my online baking as i do my banking from mobile app and they dont have any message center in app due to that i didn't recevied any notification to process further. Agent guide me and reset my password to do online banking to check letter. She guide to to print letter fill out info and fax them with reference documents with that. 

Very next day on XXXX i called them again before faxing and then agent said i dont have to send anything now as they were investigating more on this as they have request more info from merchant like tracking number and other info but they didn't recevied and waiting on that. 

I called them on XXXX  & XX/XX/XXXX to take follow up and they said to wait as they were still reviewing. Then i called them on XXXX to check status they said they denied as i didn't send them required documents under there guidelines and i told agent they said not to send any more and she started arguing me on that. 

I told agent to check recording of my call with them and noted they provided and she admitted that its there agents fault for misguiding me but now she can not do anything and i have to bear that loss. 

I have been calling them over a month and talking to them over a hour every time. 

Please ask them there recordings that i talk to agents on XX/XX/XXXX, XXXX & XXXX,XX/XX/XXXX,XXXX & XXXX. Also noted there agent have taken. 

Do ask investigation report towards that merchant! 

Please help me to get my {$120.00} back or to put new claim again. 

Thanks and Regards, 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 monetary relief
Consumer complaint received 2021-01-29
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Application ID # XXXX, application date XX/XX/2021 at Costco Wholesale. Application was made when I joined Costco for the Citibank 's Costco Anywhere Visa. I was provided the mentioned application ID number and I received a letter about 10 days later after the application where is stated they were unable to approve my application because they couldn't verify some information on my application. The letter did not tell me what information and did not offer any possible way to resolve this or assist me on how to resolve this. I called their toll free number on XX/XX/2021 at around XXXX EST. I spoke with a representative by the name of XXXX who transferred me to the application department. I only received a recording that asked for my social security number and only told me a letter was already sent to me explaining the status of my application.

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 2018-03-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chase closed my checking and saving account and now I do not have access to my online account. ( I still have two credit card accounts and they are still open. ) Chase also does not return my fund, which is XXXX dollar.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: AmeriCollect
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2019. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company Phoenix financial services has a debt of {$300.00} repotting on my credit profile I have sent a letter to this collector asking that they send me validation bearing my signature, because I dont remember obtaining any services from this institution, and I have not received anything, also they reported this on my credit file before ever contacting me ... please remove this information ASAP ..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: U.S. BANCORP
State: NV
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My husband and I have a HELOC with US Bank. When we used it early last year, I set up an automatic payment through my online banking at another bank to pay {$500.00} a month, even though the amount of our payment was less than {$100.00}. In XXXX, 2021, I had major surgery and was in the hospital for 4 days and on pain meds for a while thereafter, so I was not paying a lot of attention to my finances. For some reason ( probably my fault ) the automatic payments stopped in XXXX, so I missed my XXXX payment. I realized it when I received my bill from US Bank on XX/XX/XXXX so I immediately reinstated my $ 500 monthly payments and paid the bill that day. ( I paid {$500.00} even though I only owed {$100.00}. ) On XX/XX/XXXX, I received a notice from the bank that my ability to draw on my line was suspended due to non-payment. ( The letter was dated XX/XX/XXXX, so it is entirely possible they had not received my payment. ) The issues I have are : ( 1 ) I attempted to call the bank in XXXX when I realized I missed a payment to explain what happened. I also attempted to call when I received the suspension notice. Each time I tried to call, I received a message " We are currently unable to take your call- please call back. '' There was NEVER any opportunity to leave a message or speak to a live person. 
( 2 ) At no point did I receive any notice from the bank that a payment was past due, even though they clearly have my address, phone number, and email address. Had I been notified, I would have paid the amount due immediately. I take exception to this treatment : never at any time have I ever missed a payment and I have always paid much more than the minimum amount. I am furious that the bank never afforded me the courtesy of reaching out to remind me that a payment was due or that I missed a payment, knowing that I am and always have been a good and reliable customer who has always paid on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-21
Company: EQUIFAX, INC.
State: AL
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 have contacted all the credit agencies and sent them certified validation of debt letters twice in the last 5 months and they have not provided nor delete the account XXXX XXXX XXXX from my report, i have never had an account with that company, i have never signed or received any services from this place, this information needs to be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I 'm trying to use this app that allows me to take out money and be deposited in my account. But it takes so long to update my transactions it takes like 2 days in order to receive it and get the money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX, XXXX, Transunion XXXX XXXX company {$450.00} XXXX XXXX A collection account can not have a past do Balance. I never had a payment arrangement on this fraudulent account. This is a violation of the FCRA .Please delete this account from my credit report. Debtors creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and Say its mines. According to the FCRA XXXX has violated my rights as Consumer and Im requesting legal action to remove this account 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