BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-24
Company: SYNCHRONY FINANCIAL
State: FL
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:
XXXX XXXX, XXXX : Purchased a riding lawn mower from Lowes XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Purchase price : {$1700.00} *****At first use, the mower was defective : Cutting blade shift lever did not work. Mower was unusable. 
*****Reported problem to Lowes . Sales representative asked that I obtain repair locally. This was declined. Lowes was asked to replace the mower. 
*****Reported the problem to the credit card company and asked for guidance. Card company directed me to file a formal dispute. This was done, and an adjustment was made to my account XX/XX/XXXX, for the purchase price of {$1700.00}. 
*****On or about XX/XX/XXXX, Lowes delivered a replacement mower. 
*****At some time during XXXX, XXXX, I noticed that the charge for the replacement mower had not re-appeared on my credit card statement. 
XXXX***I went in person to Lowes and reported to an assistant manager that the replacement mower had not been charged to my credit card account. 
*****The assistant manager was grateful for my honesty in reporting this fact, and agreed to give me a discounted price of {$1300.00}. I called the credit card company and authorized this discounted price to be charged to my account. This was done XX/XX/XXXX. 
*****However, on the prior day, XX/XX/XXXX, my credit card account was re-billed by Lowes for the original price of the mower : {$1700.00}. 
*****Since that time, numerous appeals have been made to both Lowes , and the card company to correct this problem. Phone calls and memos have been sent to the assistant manager and manager of Lowes, as well as to Lowes Customer Relations Department in XXXX, NC. Calls have not been returned, and written memos have not been responded to as of this date. 
*****Numerous pieces of correspondence have been sent, as well as phone calls made to the Dispute Resolution section of the credit card company, Synchrony Master Card, XXXX XXXX FL XXXX The last appeal to the card company was dated XX/XX/XXXX. That appeal has apparently been ignored. 
*****I have never denied that payment is due for the mower - -either {$1700.00}, or XXXX. I will not, however, be responsible for making both payments. As it is now, I am being held accountable for both charges. 
*****I can not be sure who should clear up this problem, the credit card company or Lowes ; but I think it should be the credit card company. All I know right now is that my requests for help have been ignored by both.

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 2022-11-29
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On the date of XX/XX/XXXX i sent out a dispute letter for XXXX XXXX XXXX with the amount of {$6800.00}. 

I sent off the XXXX letter to XXXX that there was inaccurate information reported and i would like if they followed The Fair Credit Report and removed the item from my credit report On the date of XX/XX/XXXX XXXX sent out a dispute letter for Fair collections & outscoring for the amount of {$2300.00}. 

I sent out the section XXXX letter to the bureau expressing the inaccurate information that has been reported. i would also like if they removed this item from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
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. 

15 U.S.C Section 602A, states I have the right to privacy.

15 U.S.C Section 604A Sec.2, states a consumer reporting agency can not furnish an 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 2023-12-13
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I was notified via email that Citi credit card account has been compromised and a few unauthorized users were added to my account without my knowledge as a result multiple unauthorized charges were made. I called Citi fraud prevention and requested to open an investigation and to close my account. Citi refused to do it and issued another card that was hacked immediately. When I called the fraud department, my XXXX account that had my Citi card had unauthorized ppl added and they made multiple charges. I currently can't use my XXXX account because of the pending unauthorized charges that Citi never resolved. I called Citi and spoke to the fraud department more than 10 times with a request to close the hacked account and up to today, the account is still opened. Citi opened another account that was hacked immediately. I also received a card to my home address with someone else 's name that I did not recognize or authorize to use my card. When I kept requesting to close all my accounts with the Citi the answer is that they can't do it and I need to wait 3-5 business days. As a result, my XXXX, best buy, XXXX and XXXX accounts were hacked and unauthorized charges were made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-20
Company: HYUNDAI CAPITAL AMERICA
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:
Account # XXXX 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 an account without my written instructions. 15 USC 166B : A creditor may not treat a payme
nt account under an open end consumer credit plan as a late for any purpose 15USC 1662 : For purpose of this section, the term billing error means ( 1 ) reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to the person who as actual implied, or apparent authority to use consumer open end credit plan.

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 2022-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
This company is reporting inccuate information on my credit profile. They have failed to resolved the issue and remove this inaccurate informtion. They have also failed to provide me with the requested information as to how they verified these items therefore this company in not in compliance with FCRA laws.

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 2023-09-27
Company: LEXISNEXIS
State: PA
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX SSN : XXXX DOB : XX/XX/XXXX RE : Inaccurate Information NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I have recently been informed that there is negative information reported by Pennsylvania Eastern Bankruptcy Court in the le you maintain under my Social Security number. Upon ordering a copy of my Lexis Nexis consumeXXXX report, I see an entry from this court listing with Reference # XXXX led on XX/XX/XXXX The entry with Reference # XXXX led on XX/XX/XXXX with this court appears to be inaccurate. 


I AM FORMALLY REQUESTING AND EXERCISING MY RIGHT TO PRIVACY OF MY INFORMATION. 

XXXX. Congressional ndings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following ndings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I request verication and validation of this information with the Pennsylvania Eastern Bankruptcy Court and provide me with copies of any documentation associated with this account granting you authorization to obtain and furthermore report this information, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately DELETED from the Lexis Nexis consumer report and consumer le that you maintain under my Social Security Number.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I PROVIDED NO SUCH WRITTEN INSTRUCTION TO LEXIS NEXIS TO OBTAIN OR FURNISH THIS REFERENCED ACCOUNT WITH THE PENNSYLVANIA EASTERN BANKRUPTCY COURT. I REQUEST A DELETION OF THIS ABOVE-MENTIONED ACCOUNT IMMEDIATELY FROM MY CONSUMER REPORT. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 Account XXXX XXXX Account number 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 2022-06-21
Company: LEXISNEXIS
State: AZ
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:
YOU BROKE THE LAW XXXX  Pursuant to 15USC 1681 ( A ) ( 1 ). The banking system is dependent upon being fair and accurate. After taking a look at my consumer report, I realized that my report was inaccurate, and this inaccurate report is unfair to me because I was never notified when this inaccurate information was furnished, and I was never notified during your companys initial investigation that you were going to report this information pursuant to 15USC 1681 ( A ) ( 1 ). 
This grave error has undermined my confidence in your companys procedure, and as a result of this I will no longer be extending credit, and if this information is not removed, I no longer want my information reported in your companys database. 
Pursuant to 15USC 1681 ( A ) ( 2 ) Your company is a powerless elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversely affected my credit worthiness.

Pursuant to 15USC 1681 ( A ) ( 3 ) Your company assumed this role. You were not given expressed permission by me, the consumer, or a competent court of jurisdiction. So, not only did you fail in the initial investigation of this information, but you also assumed this role and assumed this information was valid, which is a violation of my consumer rights. 
Pursuant to 15USC 1681 ( A ) ( 4 ) You did not insure that this information is accurate and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached and this violated my rights to privacy. ( See attached documents ).

Pursuant to 15USC 1681A ( D ) ( 2 ) ( A ) ( i ) Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate, whether or not it factually took place, can be categorized as a transaction that took place between the consumer and the person making the report. Which means it should not be included in my consumer report, and in fact is a violation of my consumer rights Pursuant to 15USC 1681A ( D ) ( 2 ) ( A ) ( iii ) In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact a violation.

Pursuant to 15USC 1681 ( A ) ( B ) Any authorization of a specific extension of credit of a credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit card as defined under 15USC 1602 ( i ) ( See attached documents ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi, I reported fraudulent activity on my account on XXXX XXXX. I realized that money was missing when I paid my car payment on XXXX XXXX and they were saying they didnt receive the money. I also received a notification from my bank ( Wells Fargo ) that my bank account was XXXX and something dollars. Im someone who uses my XXXX wallet and rarely my physical cards. I realized my cards from both of my banks were missing on the XXXX but I didnt think they were stolen until I seen fraudulent checks being imputed in the account and money being moved out of the account and even somebody using a fake check from somewhere no where near where I was because XXXX sent me a bank statement. After getting These weird notifications I contacted wells and let them know my situation where I closed my account and opened a new one and also ordered new card and went through each charge saying what I authorized and didnt authorize. Theres even a withdrawal from an atm that I never made. They say they were investigating but if they truly were investigating, then i wouldnt have been denied. Where are the cameras from people using the atm? Where are all the devices used to get into my account which yes someone was in my account XXXX  money around to unknown contacts. If They really researched They Would Know that I am a victim of fraud. I am a XXXX XXXX XXXX and full time worker who works hard for her money. I feel like because Im not a store getting robbed, my money doesnt matter, its not insured, whereas I am a person who lost a great deal of money and almost lost my car because it couldve got towed. If I am a loyal customer, banking with you, why would you guys deny me without thoroughly researching. I filed a police report. This whole thing is unprofessional. I ordered my card two weeks ago and the banker I was on the phone with never sent it out so now Im waiting another 7 days. This is such an inconvenience. The police officers who were working my case even said you can see clear as day that the fees Im disputing are fraudulent. They attach the pictures of the checks that are being cashed and everything! I get nothing and some random person is walking around with my hard worked hard earned money? No! I need them to do their job! Please! I followed Your steps, did everything I was told, issued a fraud alert, opened a bank, changed usernames and passwords, its your turn

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 2022-09-20
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have been having issues with the business practices of Chase Bank for the last 3 years. Most recently a mortgage payment was returned. I did not receive any notice and the entire transaction is not listed on any statements. I made an in branch appointment only to be called by the branch manager prior to see exactly what I was needed an in person visit for. And again when I entered the building. The employee I was to meet was unavailable so I was assisted with another employee who was in fact able to verify the payment was returned but could not give explanation as to why I did not receive notice. My account balance changes sometimes XXXX times daily, I now screenshot the morning balance and closing balance due to how my checking account gets handled, for instance payments or checks have incurred NSF fees for being posted XXXX with payments credited to account minutes later. Some payments post mid day and incurred fees not even having account negative for XXXX. When asked for refund of fees, I am told I have surpassed the allotted refund policy even with this technicality. 
I have also had the unfortunate tasks of filing an FTC ID Theft complaint, due to having medical ID theft of my deceased mother with my contact information in XXXX. Most recently I have had to dispute a background check XX/XX/XXXX that lists I use an aliases. I completely blame the actions, biased nature, and total negligence of Chase Bank who intentionally gave personal information to conflicted officials. Without proper authorization. I was able to confirm through county records and social media that there is direct relation to the officials and perpetrator using personal information that Chase was responsible for. The fact that the XXXX employees who collaborated in the release of information that was incorrect is totally baffling to me. Receiving calls from a bank with threatening tones telling you to stop calling on accounts you hold and wanting information that now will not confirm or deny is unsatisfactory. Chase Bank Id like you to explain. And please use the same protocol you have not afforded me, put it all in writing and apply all of State and Federal regulations for your actions and or lack thereof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: Experian Information Solutions Inc.
State: FL
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:
My name is XXXX XXXX and I have a few concerns Based on : 15 U.S. Code 1681 3 ( a ) ( b ) ( c ) Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; XXXX XXXX Original creditor : XXXX XXXX XXXX  Account number:XXXX Date opened : XX/XX/XXXX Account type : Collection XXXX. XXXX Original creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX. 
Account number XXXX Date opened : XX/XX/XXXX Account type : Collection Please delete these items as soon as possible! 
Also XXXX has stated that they dont have any information furnished to my credit report and if this is the case then these are not my accounts. 

XXXXXXXX XXXX  XXXX Account number XXXX XXXX Account number XXXX XXXX/DEPT OF ED Account number:XXXX balanceXXXX XXXXXXXX Account number : XXXX XXXX I need more clarity as the reports with the three credit bureaus does not make sense.

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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
Consumer complaint received 2022-04-24
Company: Coinbase, Inc.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On or about XX/XX/2021, my Coinbase/CoinbasePro account was compromised during an attempted transaction. Coinbase/CoinbasePro is an online platform for the purchase, sale, and trading of crypto currencies. On that particular day my intention was to purchase a crypto currency. XXXX were propagated with the intended coin purchase, a request for a 'market ' buy, and a value for US dollars in my account for this purchase. I entered {$10000.00} USD and selcted 'buy. ' There was never any record of the transaction. My cash balance was immediately debited {$10000.00} USD!!! I never saw a 'transaction ID ' or any record whatsoever from the attemtpted transaction.

During the past year I have written to Coinbase support 14 times asking for assistance and all I get in responce are computer generated letters asking repeatedly for details which never existed ( order #, transaction #, etc. ). Coinbase robbed me of {$10000.00} USD.

Company response to consumer: Closed with explanation