BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 a accordance with the fair credit reporting act XXXX  account # listed below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number XXXX XXXX # 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 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report.UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2017-08-18
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I 've been a loyal cardholder with Synchrony bank since XXXX. I currently own a card from Care Credit, Chevron, Jc Penney 's and Lowes. In XX/XX/XXXX I filed a complaint via Consumer Financial Protection Bureau in regards to my Chevron Card because my limit was decreased from {$3000.00} to {$1200.00} which I thought was too low for a customer who has been a cardholder for 13 years. My limit has never been decreased even when my credit score had slightly changed in the past. Evidently, my credit score changed earlier this year which led Synchrony bank to decrease my Chevron Credit Card limit. Furthermore, the reason why I am filing a complaint today is because I feel as though I am being retaliated against from filing a complaint back in XX/XX/XXXX. When I filed the complaint in XX/XX/XXXX I received a response from XXXX XXXX XXXX, Senior Specialist who decreased my limit on the Chevron Card but also turned around and decreased my Credit Limits on my Jc Penney and Care Credit Card some weeks later because I received a letter in the mail. I know that my credit limits were decreased ONLY because I filed a complaint on my Chevron Card in XX/XX/XXXX. I don ; t think that was right, it was very disrespectful and inconsiderate. Remind you, my credit limits were not decreased until after I filed the complaint.

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 2022-07-08
Company: Experian Information Solutions Inc.
State: NC
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 a accordance with the fair credit reporting act XXXX  account # listed below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-07-08
Company: EQUIFAX, INC.
State: VA
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 acct # : XXXX XXXX XXXX XXXX  acct # : XXXX XXXX XXXX XXXX acct # : XXXX 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 2022-02-04
Company: Experian Information Solutions Inc.
State: DC
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 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. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means Experian has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX 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 2018-10-24
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2017-30 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08
Company: Experian Information Solutions Inc.
State: VA
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 XXXXXXXX XXXX acct # : XXXXXXXX XXXX XXXX XXXX acct # : XXXX XXXX XXXX XXXX acct # : XXXX 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 explanation
Consumer complaint received 2022-02-04
Company: JPMORGAN CHASE & CO.
State: NH
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 am being unjustly double charged by Chase credit card. I have tried valiantly to reconcile the matter with Chase credit, to no avail. Here are the facts : 1. On XX/XX/XXXX, I purchased a toy from XXXX XXXX XXXX ( {$51.00} ) as a XXXX gift for my XXXX XXXX XXXX grandson -- -- Item # XXXX : XXXX XXXX XXXX XXXX XXXX I paid Chase credit card for it in the same billing cycle. 

2. XX/XX/XXXX XXXX morning, we discovered the toy was defective. Via certified mail, I promptly returned it to the vendor for credit. 

3. XX/XX/XXXX, Chase granted me a credit for the {$51.00} cent charge. 

4. On XX/XX/XXXX, Chase rescinded its {$51.00} credit to my Chase credit card account AND REBILLED ME FOR THE SAME AMOUNT!!!! 

5. On XX/XX/XXXX, my return of the defective product was finally acknowledged as received by the vendor and the merchant agreed to credit my Chase account : XXXX XXXX  XXXX Thu XX/XX/XXXX XXXX XXXX To : You Hello XXXX, We're writing to inform you that we have received your returned merchandise for order number XXXX. ( Click order number to see all products associated with your order. ) We will promptly issue you a refund via the payment method originally used to place this order. 

If you requested an exchange, the replacement items will be shipped to you as soon as possible. 

For credit/debit card transactions, you should see a reflection on your account within 5-7 business days. If you have any questions, please contact us. 

Sincerely, XXXX XXXX Customer Service 6. However, Chase credit card company has now rebilled the original XX/XX/XXXX XXXX XXXX  {$51.00} charge to my credit card account : XX/XX/XXXX XXXX XXXX - {$51.00} XX/XX/XXXX REBILL XXXX XXXX {$51.00} According to Chase, my current credit card balance is XXXX.. inclusive of the {$51.00} XXXX XXXX charge. My balance should only be {$11.00} I have made several valiant attempts in both expressive modalities, written via email and oral via several telephone conversations with customer service representatives to resolve this thorny and unsettling matterto no avail. The customer service reps only proceed to read me a litany of my past 5 transactions. 
Chase refuses to rectify its egregious error and eradicate the {$51.00} charge from my Chase credit card account. I do not owe it and, as an elderly person on a fixed income, I absolutely can not afford to pay for a defective RETURNED AND ALREADY PAID FOR product. I have sterling credit and seek to maintain it. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX A third party gained access to my Coinbase account. My assets were sold into USD. All transactions on this date were unauthorized. The money was then transferred into XXXX debit cards not in my name to XXXX XXXX XXXXXXXX accounts. This was done with instant transfer not ACH. The amount was {$63000.00}. This happened around XXXX. It only took XXXX minutes for them sell everything and transfer the money into these debit cards. The next morning I had no access to my account so I called up Coinbase to ask what is going on. They informed me there were many transactions the night before i had my account frozen and told them everything done was not by me and freeze any transactions that might be in progress. After i regained access to my account I was able to see that these were not blockchain but USD that was taken off their platform. I made them aware of this many times and asked for the full name and account numbers to where my money was sent. They refused to give me that info, but a couple times they told me the name and bank where it was sent to. After being put on hold and ask for the name and bank again they told me they were not supposed to tell me that. they did nothing to help me out or figure out what happened even when the detective working the case needed that info. They could have contacted the bank it was sent to and at least try to do something but kept telling me all blockchain transactions are final. This is not a blockchain transaction but USD and would not listen. After waiting over 2 months after filing a formal complaint, they told me the same thing, all blockchain transaction are final and can not be reversed. They must be held accountable, what XXXX safeguards where made when these cards were added to my account? Did they follow XXXX guidelines? Did they file CTRs to the IRS? I can not believe that any company in the US would allow that much money to be taken out in such a short period of time, without allot more protection for the account holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Experian Information Solutions Inc.
State: AL
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:
Hi I received my credit file in the mail and there are accounts listed that are showing negative payment history. All accounts should have excellent payment history and I talk pride in that. The credit bureaus have decided to ignore my letters requesting the correction to be made. The accounts XXXX XXXX and XXXX should have show EXCELLENT payment history, there are no late payments made. The XXXX XXXX account is definitely not a account of mine. I have no association to the to company at all nor have I ever.

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 2018-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
From the beginning of my mortgage I have been paying my escrow directly, taxes and home owners insurance I have everything paid up today. Capital one sent me a letter about boring insurance for me ( very expensive ) I sent them a letter with proof of insurance bay fax and by mail. I thought the mistake was fixed, however when I try to make my mortgage payment in XX/XX/XXXX, I see that they have not fixed the problem and instead of charging me {$700.00} they charge me {$1200.00} ( includes escrow )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Experian Information Solutions Inc.
State: TX
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 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 602 A Section 2 : It also 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 explanation
Consumer complaint received 2022-07-08
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:
XXXX and TransUnion is reporting inaccurate information to my credit report for the following account. 

XXXX XXXX XXXX - ACCOUNT # XXXX Inaccurate information : Late Payment ( XX/XX/XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX ) I have contacted both Credit Bureaus with request to " delete inaccurate information ''. The creditors response was they have " verified '' and " updated '' the information. However, according to my credit report, the information was never verified nor updated. 

Please see attached files photo copied ( Screenshots ) from their respected website on XX/XX/XXXX. It will show that the account has not been updated since XX/XX/XXXX. 

The creditors are in violation of my consumer rights under the FCRA 15 U.S.C. 1681 - U.S. Code in which the credit bureaus must report accurate, verified, and complete information. 

This violation includes negligence, willful noncompliance, and defamation inhibiting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i requested a re-investigation of the bankruptcy on my credit report and was told that it was verified through XXXX. XXXX only shows the last XXXX of a social security number. I also verified this through the bankruptcy court, in order to make sure that the information is ie : the correct full social security number, is to request a court order through the Bankruptcy court, which was not done, and that is where the error is. FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available XXXX reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The Bankruptcy Court should be the furnisher of information, not a third party source such as XXXX or 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 2022-07-08
Company: Early Warning Services, LLC
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On XX/XX/2022 I received a text message stating XXXX XXXX XXXX had sent me a payment of XXXX through Zelle, XXXX XXXX owed me this debt and he said he wired it to me but did not say how. I order for me to access these funds ; I had to provide my birthdate, address, phone number, email, and checking account number. 

After I gave all of this information Zelle had no record of the payment and implied they couldnt do anything about it. The sender claims he made the payment, which he would have had to since Zelle had my phone number to text. 

The biggest issue is Zelles parent company is a credit reporting agency. I believe they are fishing for private information from consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After several exhausting attempts to resolve this matter, ARS account resolution is reporting debts that I do not owe. This matter is affecting me emotionally and financially. ARS account resolution has failed to validate this debt directly to me, and only verify it with the credit bureau whenever disputed. ARS account resolution have no signed agreements between me and the stated party that they claim to represent which would make me responsible for this alleged debt. This is my last attempt to resolve this matter, otherwise they leave me no choice but to seek litigation. Final attempt.

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 2022-07-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I tried to apply for a business Credit card and I was denied due to having too many hard inquiries on my credit report. Checking my credit report I noticed I didn't apply for these tradelines that are listed below. 

XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX, XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX LL XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XX/XX/XXXX EXPERIAN BUSINESS CRED XX/XX/XXXX XXXX XXXX XX/XX/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