BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Problem with personal statement of dispute

Complaint:
XXXXXXXX XXXX XXXX XXXX XXXX was fraud and needs to be removed from all my credit reports. 
XXXX XXXX XXXX was part of my fraud case and needs to be removed from all my accounts

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 2023-05-26
Company: JPMORGAN CHASE & CO.
State: PA
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:
On XX/XX/2022 I used my credit card to make a deposit for handy work for my house for {$1000.00} on my Chase Marriott Reward Card. I received a fraud alert from Chase Marriott that they did not process the charge. I was instructed to have the vendor resubmit the charge if it was not fraud. Although they instructed me to resubmit the charge, the charge went through three times. I immediately called them to reverse the two charges, which they did on the same day. After Chase did their investigation, they claimed that two of the charges were legitimate and posted back the second charge. The summary is that I was charged three times for {$1000.00} and they only credited {$1000.00}. Therefore I have been over charged by {$1000.00}. The vendor used XXXX and claims that they never received the second or third payment. They rebilled the {$1000.00} on XXXX XXXX. I called Chase to complain, and they instructed me to appeal. On XX/XX/XXXX I faxed them a letter documenting what occurred. On XX/XX/XXXX I received a letter from Chase stating my charge was valid. They ignored all the documentation I sent them in regard to the triple charge, only one reversal. I called them and they instructed me to appeal. On XX/XX/XXXX, I faxed them a second letter to open the dispute. I carefully documented what happened and gave them a copy of their fraud alert which started the whole over charging. On XX/XX/XXXX, I received a letter stating that the charge of {$1000.00} was valid. I just don't understand if you see three charges on the same day for the same amount and you dispute two of them, why they would not reverse two charges. I am looking for relief here as {$1000.00} is not an insignificant amount of money and I am a victim here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-14
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Submitted a dispute and Transition did not take the proper steps to investigate and instead sent a stall letter stating that it did not appear that I properly authorized third party sent to them despite being provided with accurate information from myself only.

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 2022-12-06
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:
These accounts were listed on my credit report as late and they were never late. These accounts are current and up to date. This is hurting my credit. This is a violation of the fair credit report act section 1681b. 

XXXX XXXX BNK Date opened XX/XX/XXXX {$630.00} Listed as 30 days late. 

XXXX XXXX BNK Date opened XX/XX/XXXX {$360.00} Listed as 60 days late. 

XXXX XXXX Date opened XX/XX/XXXX {$870.00} Listed as late 60 days. 

These accounts were never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: EQUIFAX, INC.
State: NC
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:
Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, HAS HAVE BEEN USED FOR FRAUDULENT USE OF MY IDENTITY. PLEASE REMOVE THIS ADDRESS PERMANENTLY FROM MY REPORT. CURRENTLY SOMEONE IN FLORDIA IS OPENEING ACCOUNTS IN MY NAME FROM THIS ADDRESS. I REACH OUT AND ITS NOT REMOVED BY BUREAUS BECAUSEE OF PAST CLOSED ACCOUNTS THEY HAVE OPENED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: SANTANDER HOLDINGS USA, INC.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been on a mortgage forbearance program with Santander Bank during covid. In XX/XX/2022 I submitted all my paper work for a mortgage modification. I received a letter in the mail acknowledging my modification submission from Santander Bank. Now I've been waiting for my modification package in the mail so I could sign, submit and resume my mortgage payments, but they've yet to send me my modification package. I've called them several times and all I get is, their working on it. No one seems to know what's going on and I'm very worried.

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 2022-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
After reviewing my TransUnion credit report side by side with XXXX XXXX XXXX I've multiple inconsistencies and inaccuracies with the TransUnion reporting. I am demanding TransUnion remove this account immediately. 

Pursuant to : 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I also believe TransUnion is guilty of [ 15 U.S.C. 1681n ] Willful Noncompliance

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 2023-05-26
Company: Coinbase, Inc.
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I met a girl online and we started chatting using XXXX. During conversation the topic of investment had come up. Since I have been interested in investments for some time I told her I was interested. She had me download the Coinbase and Coinbase Wallet apps. I directly wired the following amounts to Coinbase on the following dates from my bank account at XXXX XXXX XXXX : XXXX  - {$500.00}, XXXX  - {$2000.00}, XX/XX/ - {$2500.00}, XXXX - {$75000.00}, XX/XX/ - {$15000.00}. I also had a little bit of money on my XXXX app that I transferred over to Coinbase on the following date for this amount : XXXX XXXX {$490.00}. At the beginning on XX/XX/ when I had little money to invest, XXXX helped show me how and I made a little money. I insisted to make a withdraw of funds to prove it was legit and I transferred {$8.00} from Coinbase to XXXX after moving the money from the XXXX XXXX back to the Coinbase app. XXXX helped with all of this. Once all the other money was in there, I made a little more money, but according to XXXX, I was out of time unless I got to {$150000.00} in capital. She took it upon herself to lend me the funds to get to the {$150000.00}. She transferred straight to the XXXX XXXX account the amount of {$44000.00}. After this, I made transactions on the following dates : XXXX XXXX XXXX XXXX XXXX. My account balance on XXXX XXXX now stands at {$380000.00}. It shows that I have profited {$240000.00} in total revenue. On Wednesday, XX/XX/, I was instructed by XXXX to ask Customer Service on website what I would owe in taxes. Customer Service gave me the amount of {$49000.00} that I would need to deposit to the Coinbase XXXX as a Pre-tax payment in order to withdraw my money and that I only have 7 business to do so, now that I have asked for my fund, even though I really didnt. Customer Service has insisted that this process can not be reversed. I have talked with a contact at XXXXXXXX XXXX  here in XXXX, KS and he used his resources to do some fact checking and it is definitely a scam. Would love to hear from someone soon. Thanks. I also have the entire conversation dialogue with XXXX XXXX on XXXX she used snapshots when teaching me how to do all these transactions between Coinbase and Coinbase Wallet apps.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: The Best Service Co.,Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a debt collection that's reporting on my credit for a company that I did not authorize nor grant permission. The account was originally opened on XX/XX/2018 for a creditor that I have no knowledge of by the name of " XXXX XXXX '' in the amount of {$2500.00}

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 explanation
Consumer complaint received 2017-12-01
Company: Debt Recovery Solutions, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notification today that a collection was added to my credit report in the amount of {$520.00}. I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports. That is a violation of my rights and I want this alleged debt removed from my credit reports immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: EQUIFAX, INC.
State: GA
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 requested to update the inaccurate information which another credit reporting agency found to be inaccurate and had already corrected. Due to your lack of response, or responses that I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the accounts, which you have failed to provide proper verification and that another bureau has found to be inaccurate. You have 30 days to CORRECT the accounts listed below : XXXX XXXX XXXX XXXX Balance : {$4200.00}, XXXX XXXX XXXX Balance : {$29000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27
Company: CITIBANK, N.A.
State: WA
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:
I originally opened a Citi financial card ending in XXXX with XXXX XXXX approximate date was XX/XX/XXXX I used the card for a few things and paid a minimum payment auto draft which was required for getting the card. 
At some point I realized that fraudulent charges were occurring so I called Citi financial to block the card and send me copies of paper statements, the statements. Then I realized an imposter had received a new card and number, and the entire time my auto draft was in place. I must admit I have been mentally challenged this past few years and I was not paying attention to my accounts. 
I have called several time to customer service and they dont recognize my account? but they keep calling me daily asking me for payment. 
I stopped auto draft that I did not realize was still going through after I stopped the original card someone else opened the new account ending in XXXX Please allow me to send the 3 inch stack of paper statements that were mailed to me XX/XX/XXXX I believe the Citi financial, XXXX XXXX are the culprits, also there was security breach I also was subjected to with my mortgage company XX/XX/XXXX I was issued 1 year of free credit report/alerts, there were too many to count. 
I would appreciate a call to discuss my most urgent need to recover my identity with Citi financial bank, again just today I spoke with a fraud specialist that would not tell me his last name, address my last payment over the phone was made XX/XX/XXXX. I really wasnt thinking correctly until recently Im waking back up now, please help, thanks

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 2022-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, AND XXXX HAS VIOLATED MY RIGHTS. 

* 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

* 15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

ALSO I HAVE POINTED OUT TO THE CREDIT BUREAUS THAT THERE WERE INACCURACIES IN THE REPORTINGS. DIFFERENT OPENING DATES, ACCOUNT SHOWING ON JUST ONE BUREAU AND NOT THE OTHERS, DIFF OPENING DATES, DIFFERENT DATE OF LAST PAYMENTS. ALSO I HAVE GAVE THE CREDIT BUREAUS SINCE XX/XX/2022 UP UNTIL NOW TO CORRECT THE INCORRECT REPORTING ALONG WITH THE HIPPA VIOLATION ACT.

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 2022-10-01
Company: Experian Information Solutions Inc.
State: FL
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:
My personal credit report # XXXX with Experian XXXX XXXX Includes a fraudulent account with XXXX XXXX XXXX XXXX Acct # XXXX ). I have contacted them in reference to removing this item because it was fraudulent. My personal information was found in a data breach with XXXX so i believe this item to be associated with that I have included the FTC Report # XXXX. The FTC report attached contains a written statement in compliance with the FCRA 605 ( b ) guidelines. I have also attached a copy of my drivers license and social security card in accordance with the same statute. Also in this complaint I have also attached a picture of the fraudulent debt for verification purposes. I would like to get this issue resolved because I have tried dealing with Experian over the phone and by online dispute to no avail. 
Thank you. 
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 explanation
Consumer complaint received 2023-05-27
Company: U.S. BANCORP
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:
Hello, someone is using my personal information to open credit accounts online. I viewed my credit report and it shows a list of " Hard Inquiries '' that I have no knowledge of. Iam a victim of identity theft, please help me. 

XXXX. XXXX. DATE : XXXX XXXX. XXXX XXXX XXXXDATE : XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  The laws listed below according to the " FCRA '' Fair Credit Reporting Act, is what the creditors and credit reporting agencies/bureaus are in willful violation of. 

1. 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 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.

2. 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.

3. 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

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 2023-05-27
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
In XXXX and XXXX I was back and forth due to school campus closing, I remember my whole wallet being taken by an ex friend of mine I reported all my things stolen and had to get new everything. I have went into bank of American showed my Identification and everything and one person told me to pay a fee in order to reopen my account one which card was stolen I had the wallet case so my stuff was on the back of my phone and my code was my birthday this girl did me so wrong stole my things and now I am suffering for it thats not fair to me

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