BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-03
Company: SYNCHRONY FINANCIAL
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I transferred {$95000.00} to Synchrony Bank account on XX/XX/22. I was not aware that the account was closed prior to sending the money. Synchrony has not returned the money to the account from which the money was transferred as of XX/XX/22 and claims to have no record of any transaction. Synchrony Bank has effectively stolen {$95000.00} from me. I reported this theft to both my bank and the XXXX State Attorney General 's office so far. Next week I will report to the FBI and local law enforcement. If necessary, I will hire a lawyer and sue Synchrony Bank for all the money plus legal fees.

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 2021-04-16
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On multiple occasions I contacted Procollect and sent receipts of payments made to the original creditor and Procollect said they will not honor those payments. I sent the contact information of the original creditor and they still will not resolve this matter. 

The amount in question was {$1100.00}. As a result we have been denied a mortgage and credit cards. 

This has been going on since XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
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:
Credit and personal information stolen in the equifax data breach announced XX/XX/2017 due to gross negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: EQUIFAX, INC.
State: NJ
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:
After checking my credit report today I notice a bunch of unauthorized Inquries. 

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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
There was one large transaction on XX/XX/2021 at XXXX XXXX totalling XXXX AUD. 
I wrote two dispute letters to Coinbase Company, and both were denied without a clear explanation. 

Their response is, well, not very good, in that it is based on just blatantly incorrect understanding of what I have to say. What amazes me is just how difficult it has been to find soundness in it. Their analysis, for instance, doesn't engage with the actual history of my account and a significant portion of related data that may contradict their position has been conveniently ignored. 

I have great respect for rational and honest discussion but no respect for misrepresentation. I detest the lies and distortions associated with their administration. They have failed to exercise due diligence and duty of care to substantiate their claims. 

This complex issue has caused substantial harm to me, and if not appropriately addressed, will continue to cause substantial harm to others, we must therefore conduct an in-depth and comprehensive review of all the contributing factors that have led to an outcome as horrendous as the one described herein.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery attempts to collect a debt that I have no knowledge of. From previous contact with the collector, the address provided on a letter that was supposedly sent to me has never been a resident of mine. Case File XXXX In The Matter of Portfolio Recovery vs CFPB there is lack of documentation and no Lawful verification was done. Therefore, the information is not sufficient to form an opinion as to the truth or accuracy of Portfolio Recovery ' s claim. I request Portfolio Recovery to produce the original signed contract between the original company and I. Also produce a copy of any modifications to those terms agreed to SPECIFICALLY by myself. Please provide proof that Portfolio Recovery owns this debt and a contract showing an agreement between myself and the collecting company. Whereas no relationship exists between Portfolio Recovery and I and whereas I never signed a contract or agreement with Portfolio Recovery, I cite Lack of Privity. The referenced account should be removed from my credit report immediately. The collecting company continues to violate my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I transferred {$1000.00} via the bbt ( truist ) app. When I attempted to reverse the transaction bbt refused to assist despite the transaction pending in the checking account. I trusted that the transaction would be serviced by bbt not no assistance offered. I chose this form of payment for its security and because bbt 's name is on it and I trusted their security. 


I have been a bbt customer for over 20 years with checking, mortgage, and credit card lines but they still refuse to assist. Avoid truist at all costs, no customer service and loyalty is punished.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: EQUIFAX, INC.
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:
XXXX ( CLOSED ) OPENED ( XXXX XXXX ) Acct # XXXX Acct # XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX & ACCT # 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 XXXX XXXX  XXXX  XXXX ( CLOSED ) OPENED ( XXXX XXXX ) Acct # XXXX In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX  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 XXXX  XXXX  XXXX  ( CLOSED ) OPENED ( XXXX XXXX ) THIS ACCOUNT DOES'NT BELONG TO ME/NEITHER I KNOW ABOUT THIS ACCT # XXXX In accordance with the Fair Credit Reporting act XXXX  XXXX  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 XXXX XXXX XXXX  ( CLOSED ) OPENED ( XXXX XXXX ) ACCT # XXXX In accordance with the Fair Credit Reporting act XXXX  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 THIS ACCOUNT DOES'NT BELONG TO ME NEITHER HAVE I AUTHORIZED IT XXXX XXXX XXXX XXXX  OPENED XXXX XXXX XXXX ) ACCT # XXXX THIS ACCOUNT DOES'NT BELONG TO ME NEITHER HAVE I AUTHORIZED IT In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account XXXX XXXX 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 XXXX  XXXX OPENED ( XXXX XXXX ) ACCT # XXXX ACCT # XXXX THIS ACCOUNT DOESN'T BELONG TO ME PLEASE REMOVE IT In accordance with the Fair Credit Reporting act XXXX  Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX ( CLOSED ) OPENED ( XXXX XXXX ) Acct # XXXX Acct # XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX & ACCT # 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 US DEPARTMENT OF ED ( CLOSED ) OPENED ( XXXX XXXX ) Acct # XXXX In accordance with the Fair Credit Reporting act US DEPARTMENT OF ED 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 XXXX  XXXX  XXXX  ( CLOSED ) OPENED ( XXXX XXXX ) THIS ACCOUNT DOES'NT BELONG TO ME/NEITHER I KNOW ABOUT THIS ACCT # XXXX In accordance with the Fair Credit Reporting act XXXX  XXXX  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 XXXX XXXX XXXX ( CLOSED ) OPENED ( XXXX XXXX ) ACCT # XXXX In accordance with the Fair Credit Reporting act XXXX 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 THIS ACCOUNT DOES'NT BELONG TO ME NEITHER HAVE I AUTHORIZED IT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ACCT # XXXX THIS ACCOUNT DOES'NT BELONG TO ME NEITHER HAVE I AUTHORIZED IT In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account XXXX XXXX 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 XXXX  XXXX OPENED ( XXXX XXXX ) ACCT # XXXX ACCT # XXXX THIS ACCOUNT DOESN'T BELONG TO ME PLEASE REMOVE IT In accordance with the Fair Credit Reporting act XXXX  Account # 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 2017-08-24
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On or around XXXX XXXX, 2017 I opened a checking account with US BANK in XXXX, Ohio. 
I made a few small deposits into the account totaling around {$730.00}. 

I made a transfer of funds to another bank and was billed by mistake from XXXX. 

I then noticed US BANK reordered cleared transactions aka stacking to intentionally overdraft the account multiple times for the same charges. 

After much debate I cleared the charges with the account manager who made it seem like she was doing me a real favor eliminating {$72.00} in overdraft fees which I should not have received. 

A few days later XXXX XXXX mistakenly charged me twice for the same meal. 

As a result the Algorithm reorganized and reprocessed nearly 8 charges with 8 over draft fees of {$32.00} each for a total of {$250.00} SO FAR. 

I was made aware by a teller that I would be charged an ADDITIONAL {$25.00} fee for each overdraft fee or {$200.00} bringing the total to {$450.00}. 

The charges that were reorganized were processed from largest to smallest to create the greatest over draft fees. 

So a {$8.00} trip to XXXX XXXX now costs {$65.00}. 

This is my second attempt at using US BANK. Years ago they used a similar tactic to over draft my account, then sold my identity to an identity thief posing as a debt collector AND ANOTHER identity thief posing as a XXXX employee. 

This is a very sad and pathetic attempt from a business to make money. 

I would happily use this service if it were honest, however it is clear this is a complete money grab scam. 

I used the funds in the account to open a secured credit card with US BANK, which I will now be canceling. 

I plan to write US BANK executives, Attorney General, FBI, SEC and other regulating authorities. 

AGAIN THIS IS JUST PATHETIC!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion and XXXX are reporting unauthorized inquiries on my credit report. I did not give authorization for XXXX XXXX XXXXXXXX, XXXXXXXX XXXX or XXXX to gain access/pull my credit report. As a result, inquiries are listed. There are no open accounts listed on my credit report with these creditors and therefore, the inquiries should be removed immediately. This is my second request for XXXX to remove XXXXXXXX XXXX  and XXXX. I've made several phone calls to attempt to have this matter resolved, but XXXX is still reporting inaccurate information. I am a victim of identity theft ; someone stole my social security number and has been trying to open up fraudulent accounts, which is resulting in unauthorized inquiries.

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 2022-09-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian has been by far the worst to work with of all the credit bureaus. I had potential fraud on my account and was able to start a credit freeze with all three bureaus. About 3 months later, I requested the fraud alerts be removed and XXXX and XXXX each took about XXXX XXXX to complete that task but I have had to call Experian about XXXX times and their automated system will not let you get to a person account representative. When I reach a business account representative, they advise they cant help. On one call about 2 months back I asked to escalate my issue to a personal account representative or supervisor and was told " no one was available and I would get a call back '' I requested to wait and they repeated " no one was available '' at that point I insisted I wait because I wasn't confident I would get a call back and the business representative hung up on me. I also never received a call back from that supervisor. I tried going through the automated system system and it says I do not have a hold on my account but multiple outside parties trying to pull my credit advise differently. I tried to go to the website and I get an error message directing me to call. When I call that number, its the same automated system where you can not get to a representative. Im just trying to unfreeze my credit!! please help. 

**Note- this was previously submitted and I was just directed back to the website that didnt work and to call the number where its only automated. This is the root of the issue. I need someone to look at this as there is a system error on the experian side that the website and phone are reporting different 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 non-monetary relief
Consumer complaint received 2017-08-24
Company: EQUIFAX, 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:
My issue is with XXXX XXXX who was formerly XXXX in the XXXX XXXX XXXX. The conversion occurred in XXXX XXXX which is when my problem began. With XXXX, we paid {$77.00} monthly for cable and internet. Our payments were always on time, and we never had an issue with their billing practices. XXXX unbundled our services, and began charging us {$120.00} a month. We called every month when we received our statement, and attempted to have this resolved. We were told to not pay until this billing issue is resolved, and they never charged a past due fee. I also told them every month to cancel our service, but they never did. They refused to help us. We also knew we were not the only people having these issues due to the local news reporting that the attorney general of Florida were keeping record of the issues with the conversion. We stopped receiving statements from XXXX in XXXX of XXXX. We have not received any phone call, letter or statement from XXXX stating we owed any amount since we had long since returned the equipment. In XXXX of XXXX, I checked my credit report and they just reported this as a deliquency of 120 or more days in XXXX XXXX. This is unfair, deceptive and illegal to never notify us of a debt owed. Also the debt XXXX is stating we owe is completely incorrect. I demand this be removed from my credit report and to have to this updated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
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:
Since XX/XX/XXXX, I have been dealing with the credit bureaus to remove accounts fraudulently reporting to my credit reports. XXXX and XXXX removed the accounts immediately. As they should! However, Transunion removed 1 out of 5... I sent them a second letter on XX/XX/XXXX. They sent me a letter claiming I was working with a third party company. I am not. They are sending me a letter to deter me and try stall and not work on my file. This is not ok and in violation of my consumer rights. They sent me this letter, and left no dispute remarks on the fraudulent accounts. They did not send any documentation on how they can prove I am working with a so-called third party, and they never verified the information as accurate. These are all violations.

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 2017-08-01
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a XXXX XXXX on XXXX XX/XX/XXXX. I got the injury treated by XXXX XXXX XXXX XXXX XXXX. When the bill came in for {$93.00} in XX/XX/XXXX I paid it right away. Since XX/XX/XXXX though, this company called Credit System International has been reporting this debt as delinquent. They never sent an initial letter saying that I owed a debt or received any communication from them whatsoever. I 'm trying to buy a house so I hope this does n't affect the credit decision. If it does, as this is the 3rd time I attempt to get this removed, I will sue them for breach of the Texas Debt Collection Act for lack of disclosure and initial letter, and under the Deceptive Trade Practices Act for deceptive practices for actual damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: IN
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. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2022-09-03
Company: Credit Karma, LLC
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have an account with Credit Karma, who after logging into my account, showed me the credit cards that I would be approved for, based upon my credit score. When I applied for the cards, I was declined, and the hard inquiry hit lowered my credit score. 

This happened several times, over a long period of time.

Company response to consumer: Closed with explanation