BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-05
Company: SYNCHRONY FINANCIAL
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have 2 Sams Card/Synchrony Accounts and I have a letter stating that on XX/XX/XXXX they tried to contact me wanting me to register for electronic statements and I refused on XX/XX/XXXX I get email from both accounts saying its overdue I am a XXXX  and old fashioned and like my Statements mailed to me both accounts were past due as of XX/XX/XXXX I have never been late in fact always early one account ends in # XXXX and # XXXX Issuer is Synchrony Bank XXXX XXXX XXXX XXXX Florida XXXX I paid bill over phone as soon as I got email also I tried to pay 2 times in XXXX XXXX  XXXX  XXXX Ar XXXX and was told they could not process payments there I was upset and when I tried to go online it would not take payment I feel I am being victimized because they charge late fees I am on a very limited budget. I paid and {$72.00} XXXX  and {$71.00} on account the operator said it was not his department or power to erase late fee This is about the XXXX credit card company that pulled same stunt Another Synchrony Bank Care credit card XXXX XXXX XXXX XXXX Fl XXXX I have not used for long time and I used it and got bill sent to old address and it was forwarded in person the day it was due account # ends in XXXX XXXX XXXX when I made payment they updated address it was never done but all my accounts at Synchrony changed? again late fee I need help Thank you 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 2023-02-14
Company: FISERV INC.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I sent a cashiers check ( {$20000.00} ) from my bank ( XXXX XXXX ) on XXXX XXXX investments for investing in son '' s account ( XXXX XXXX XXXX XXXX XXXX The office closed and they returned the chech to me non negotiated XXXX. The Bank farmed out the check to XXXX XXXX XXXX XXXX ( later bought out by " Fiserv '' XXXX Fiserv XXXX XXXX Wi. XXXX. 
Who has my money? should it not have been sent to the state? if so, which state?

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 2021-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am begging for help with TransUnion they have placed a fraud account on my credit report for US DEPT OF EDUCATION. I have explained a million times that I have never been to college or taken a loan in my name for education for my self or anyone else. I previously submitted a police report and an identity theft report. I called to follow up they told me they never got it but some of the accounts that was included on that report they deleted. I called back to follow up again the Rep said he could not look back in the files at old information even if this account was included. They have made this an entire nightmare. I have been trying to get this account that someone else opened off my credit but it seems as a punishment someone will not " READ & UNDERSTAND '' THIS A FRAD ACCOUNT OPENED IN MY NAME. Each time I contact CFPB Transunion responds that this matter must be investigated which they never do please look at all the complaint and have them delete 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 explanation
Consumer complaint received 2017-10-22
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Bankruptcy reporting on credit file should not be reporting, I supressed all public records from being viewed on my credit file. The Credit Bureaus received public records information from XXXX XXXX. I opted out from reporting. This information. Should to be verified once disputed.

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 2022-12-19
Company: Kirschbaum, Nanney, Keenan & Griffin, P.A.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Kirshbaum, Nanney, Keenan & Griffin, P.A made an unauthorized pull of my credit report fraudulently stating I applied for Installment or Bank account credit with Kirshbaum, Nanney, Keenan & Griffin, P.A. The firm claims that XXXX told them to use the coding that pulled my report in this manner in their response to my initial complaint of this manner. I am demanding to be given the Name, Address and date of the employee at XXXX that instructed Kirshbaum, Nanney, Keenan & Griffin, P.A to pull my credit in this manner and if they had creditor authority in this matter why they pulled my credit report as if I applied for credit with them when I never gave them authority to do so or applied for credit with them?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-07
Company: WELLS FARGO & COMPANY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I recently planned to purchase a home. when looking at my credit to my surprise I have a Student Loan with Wells Fargo! I have called XXXX times and requested a fraud package to be sent to me. they finally told me they can not sent a fraud package because they no longer " service '' student loan. they said they will investigate and get back to me. 
when they call me back, they have the wrong address, phone number and even name for me. then they tell me that they called my school and the school told them yes its my loan. the school in question is a community college and somehow community college required a XXXX student loan. 
they are not providing me with any proof or showing me where the money went and where I signed I requested to see a proof and my case representative said they cant provide me with anything. 
THIS IS NOT MY LOAN! this is stopping me from purchasing a home and I need to resolve it. 
please help me because Wells Fargo is not willing to help me at all. 
Thank you 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 2022-04-30
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: Account information incorrect

Complaint:
I obtained this secure card to improve my credit, but XXXXXXXX XXXX XXXX XXXX XXXX did nothing but destroy my credit. They incorrectly reported my balance as {$700.00} when my balance was XXXX. 

I spoke with a representative and a supervisor on XX/XX/2022, and they acknowledged that my account was paid in full, but there was nothing they could do to correct their mistake on my credit score because they would only report once a month.

They told me I had to send a letter regarding incorrect past reporting on three different credit bureaus, and it would take time for them to review and correct.

Inaccurate payment history information prevents me from obtaining the credit I'm trying to apply for because it lowers my credit score. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2021-12-07
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Charge Off : XXXX XXXX- - Balance {$110.00} -Date Opened : XX/XX/XXXX XXXX  XXXX XXXX  XXXX - XXXX {$0.00} -DatXXXX Opened : XX/XX/XXXXXXXX XXXX XXXX- Balance {$0.00} XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX- Balance {$0.00} XXXX Opened : XX/XX/XXXX XXXX XXXX - Balance {$0.00} XXXX Opened XXXX XX/XX/XXXX Late Close : XXXX XXXX XXXX  - XXXX {$0.00} XXXX Opened XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2021, I transferred XXXX USD via Wise. I entered a number incorrectly in the recipient account number. When I wanted to cancel the transaction, I couldn't. I sent an e-mail to Wise. They said they would fix it in 10 days. But two weeks later, my money has not been refunded and they said the money was sent to the wrong recipient account and they couldn't fix the problem. Although the name and routing number of the recipient I sent were incompatible. Wise wanted me to make the transfer and take this mistake on me. I need you to assist. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
HI kohls/capitalone ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX  XXXX XXXX XXXX Balance : {$58.00} XXXX XXXX Balance : {$380.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX*Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2023-02-14
Company: EQUIFAX, INC.
State: UT
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 XXXX XXXX am making this complaint please do not close it down. Please submit it to the credit bureaus. I noticed some accounts on my credit that do not belong to me. I want them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
I have bought and sold cryptocurrencies through Coinbase for over a year. I often noticed that the portfolio total value that they reported for a given moment, was often {$2000.00} below what their own prices were listed at. I complained three times and their response was always the same -- '' After reviewing your case, we've alerted a specialist to address your issue properly. We're currently receiving a high number of requests so reviews may take longer than usual. We understand the importance of this issue, and our team is working hard to get to your case. We will update you as soon as we can. '' Each time, months passed and they never got back to me. On XX/XX/2021, I sold the three cryptocurrencies that I owned, and after they sent me an e-mail receipt that included the deductions for their commissions, the total amount I received from Coinbase was over {$2000.00} less than what the cryptos were selling for at that moment, and they did not change considerably during the rest of that day. I have the details of what I sold on XX/XX/2021, how much the coins were worth at that moment, and how much I received from Coinbase. Obviously, the fact that each time I contacted Coinbase they admitted that they were receiving a " high number of requests '' is a good indicator that many others were also complaining about their shady dealings. XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 disputed this account 3 times since XX/XX/XXXX and they keep telling me it is verified and. And have failed to show me what they have on file to verify it when I can't even get the creditor to respond to me about it

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 2021-06-15
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: Account information incorrect

Complaint:
I sent a dispute to the consumer credit reporting agencies pointing out to them that i was Never late on any house payments. 

I have pointed out the METRO2 violations which are their industry standards I received a response back from XXXX  and Transunion that the information is accurate which UNTRUE. 

I never received any communications from XXXX XXXX XXXX. They are required to send me a written notice under RESPA if there is any delinquencies, which NEVER HAPPENED. 

if I was late I want to see proof which the lender can not provide to me. 

This is violating my consumer rights and preventing me from having access to low interest rates for a new home and vehicle. 

This company XXXX XXXX XXXX, XXXX  and Transunion MUST correct these purported late payments at this point no matter what at this company due to their gross negligence.

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 2017-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
The Company this complaint is against is conducting a Foreclosure Sale for Bank of America with fraudulent documents that were filed by their Foreclosure Attorney which is listed on your records for the address of XXXX XXXX XXXX, XXXX, NC XXXX. The Note filed on the above date is fraudulent in more ways than one, first off the Lender listed on the Note is fictitious and does not exist as noted by the stamp on the second page of the Note which I have included the details of the stamp in my uploaded documents. This Lender America 's Wholesale Lender was not licensed in the State of North Carolina or any of the other 49 states in the United States of America. The same Lender is also listed on the Deed of Trust which was filed on the same date as noted above and is also fraudulent as the Note and Deed of Trust have to stay together. The most fraudulent part of this fraud is that the Note filed on the above date is not the Note that I signed at the closing on XXXX XXXX, 2002. So a Fraudulent Note nullifies the Deed of Trust and makes this entire Foreclosure sale fraudulent and null and void. I would never would have signed a Note which stated on the second page by a stamp that the Lender was fictitious. And by the Lender being fictitious it is not Legal and therefore could not underwrite or fund a loan. Bank of America 's name does not appear as the Lender on either the Note or the Deed of Trust so they have no legal interest in this property or the right to Foreclosure on it. Any further action on your part regarding this foreclosure sale will be fraud on your part and if you have already sold any other properties for Bank of America or any other Bank with the Lender on the Note and Deed of Trust as America 's Wholesale Lender you could be subject to fraud charges and lawsuits once this matter becomes public knowledge. Please read over all the uploaded documents and you will see that these documents are fraudulent. I already have filed a complaint with another agency and they have determined the uploaded documents are fraudulent and they have removed my name as being not responsible for this Debt.

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 2017-10-24
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
There is an XXXX XXXX account. I asked the account to be verified and sent verification letters to the Bureau. XXXX XXXX was not able to verify the account. I checked my credit report this morning and XXXX reinserted the account back onto my credit report. I did n't receive any notification that this account was added back. According to my rights I have to be notified in a XXXX day period. When I asked for the account to be verified, XXXX was n't able to prove verification. That burden of proof is on them, not me. This account was taken care of XXXX  months ago. If you look at my credit file you 'll see this account was removed. This is misrepresenting my credit worthiness and my process of having a home loan. The last thing I want to do is file legal action. I am completely in my right to do so. I would just like to have this account deleted. Thank you!

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