BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-22
Company: Prince Parker & Associates
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX is constantly contacting me at ( XXXX ) -XXXX-XXXX. They will not give me the name they are calling for. Then they said they needed me to verify the last four of the social so I gave them the last four of both my wife and myself. They said " No neither one of those is correct '' They will not give me the name of the original creditor. The last time they called, a few days ago, they said they would take my phone number out of the system. I said, " thats what you told me last time ''. Their response was " Oh no, we will remove your number. On XX/XX/18 at XXXX they left another message on my answering machine. If you call them back the automated system says that the extension number you put in is not valid. I give up, please help. Thanks

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX and Transunion Credit Bureaus to update this suspicious information. I think you have not validated this account 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. 
XXXX XXXX XXXX XXXX : {$5400.00}

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 2019-03-27
Company: Credit Karma, LLC
State: MA
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:
On the Credit Karma website it shows that I have 6 hard inquiries with XXXX. I am angry that Credit Karma enticed me into applying for many credit cards. They say that checking my credit score wont hurt my score but then I was given many credit cards to  apply for. I had no idea that by applying ( on CK website ) for the credit cards on their website ( and now I realize the were just advertisements ). I am angry that this information wasnt available. At the time I applied for many credit cards thinking it wouldnt hurt to see if I qualified. But it did hurt my XXXX score. I feel that I was tricked into applying ( for the advertisements on the Credit Karma website I am asking that all hard inquiries be removed from XXXX because I was tricked into applying on Credit Karma many times for many credit card offers, thinking that I would have no impact on my credit score. Ive noticed that Credit Karma has more information that is more clear about what thing effect a persons credit score. The information was NOT clearly visible and that is why I have many hard inquiries,, because that information was NOT clear t the time I applied to their advertisements for credit cards. Again Im asking hat all hard inquiries be removed from both XXXX and XXXX & all scoring agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX  XXXX has falsely reported information to the credit bureau. After deletion, reported to a different bureau with a different amount and have reaged the account as well. Disgusting! After speaking with them several times and explaining to them that there is no way I have any relation to this, also asking for proof, they have not removed it. They ask questions to try and add legitimacy to false claims. How can they be allowed to falsely report, delete, report again, pad, and reage?

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 2019-02-03
Company: AMERICAN EXPRESS COMPANY
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
I rented a car on XX/XX/2017 for 1 day, returning it on XX/XX/2017. The cost of the rental was {$1500.00} with a deposit of {$2000.00}. After several text messages back and forth, my deposit was refunded to me in full on XX/XX/2017. On XX/XX/2017 a charge for {$7100.00} was charged to me with the comment of " damages ''. I eventually received an invoice from the car rental company showing what the amount was for, which I believe to be fraudulent. American Express originally stated that I acknowledged the damages due to my signature being on the receipt, however the " damages '' line was added in well after the fact, and I never accepted them. 

The invoice that the car rental company provided shows 3 items : parts for a mechanical issue, labor, and loss of use. This was dated XX/XX/2017 ( when I was originally charged the {$7100.00} ). However the receipt they provided to Amex has my signature dated XX/XX/2017 ( the date the vehicle was picked up at my hotel ). It's not possible for the rental company to have determined all of these costs at the hotel and for me to have acknowledged and signed for them. They would have needed a mechanic to do this and I wouldn't have known the final amount until several days later. It's just not possible for them to have seen these issues, known the cost of parts and labor and loss of use while picking the car up at the hotel. I watched him drive the car off in perfect condition.

That said, American Express encouraged me to work with their car rental claim department on this ( my rep 's name was XXXX XXXX ). She was unable to receive any documents from the rental car company and continued to escalate internally within American Express. Amex told the claim department that they agreed that it was fraud but could not do a charge back since too much time had passed, and therefore I am out of luck. You can see my exchanges with the car rental claim department in the attachments as well as my original dispute documents with this charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-22
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to investigate and correct for erroneous reporting in my file and is listed on my credit report 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 2022-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
To Whom It May Concern, On XX/XX/2022, I received a phone call from someone who claimed to be from the utility company XXXX. The person was stating that XXXX would shut down all electrical power to our business if our balance was not paid immediately. The scammer then proceeded to ask me to make a " test run '' payment through XXXX in the amount of {$2400.00}. After this transaction, I quickly realized that this was a fraud and contacted my bank. My bank XXXX Bank of America ) assisted me on that day and stated that they would investigate this case and contact me within 30 days. On XX/XX/2022, I received a statement from the bank stating that they were unable to approve my claim. 
This is deeply saddening turn of events that has affected my personal and business financial stability. Please help me and thank you to all the great people at CFPB.

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 2021-09-15
Company: RGS Financial, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting a call from this number - XXXX. It comes up as spam on my cell phone. I blocked the number on Monday when it came up as spam. Somehow this number even though I have it blocked has called me repeatedly now for three days non stop. I don't know how it is getting through. I looked it up and see it belongs to RGS Financial. I never heard of this place, have never done business with this place, never signed any contracts with this place. Apparently they are scammers when their number comes up as spam. They have been hammering my phone calling with that number since Monday even though it is blocked on my phone. That in it's own right is illegal to do to circumvent the block.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
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. The list of account below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, Account Name : XXXX Account # XXXX, and Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, have 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, no 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 a reasonable cause to believe that the information is 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 2023-04-21
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: Experian Information Solutions Inc.
State: CA
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:
**IMPORTANT** In two previous questions regarding my issue type - I was forced into selecting something or not continue in process. Therefore, TYPE of complaint is INCORRECT. 

In the past week, my credit score dropped XXXX points, yet wonderful things happened to my credit and NO negative events occurred. As a frequent user of the Experian website ( and I have spent literally hours and hours familiarizing myself with all available information on this site ) I could not help but notice the dramatic increase in Experian additional products advertised TO REMEDY THIS DROP IN MY SCORE! Fishy perhaps? To be clear, I have no evidence of wrongdoing on their part. However, and they may claim the increase in advertised remedy for sale was triggered by a drop of XXXX points, what I think might be happening ( and I hope my complaint stimulates increased observance of Experian sales practices ) is they drop my score to increase sales of side products. 

Details : **In the week I am referring to, my open accounts dropped from XXXX to XXXX. 
**The two remaining decreased in amount owed. 
**My total debt dropped from ( these figures are rounded for convenience ) {$30000.00} to slightly under {$15000.00}, or more than half. 
**No negative events occurred during this week or previous weeks. 
**Within the same visit to the Experian website where I saw my decreased credit score that lacks legitimate support, I observed a dramatic increase in sales attempts to sway me into purchasing their other products to remedy my score drop. These products were literally sandwiched between bits of my credit report and data - forcing me to look at products for sale that I can not afford. 

The lack of evidence, such as common reasons to see a score drop, the multiple reasons that can be substantiated and should have INCREASED MY SCORE, along with the observed dramatic increase in force-feeding me their side products- all these combined makes me question how and why and who is responsible for this score drop when several positive events occurred that should have increased my score. 

I want to understand who did this and I want to see tangible reasons for this decrease. I also want an explanation for why I was not issued an increase in score when several positives and no negative events happened this week in question. I write them days ago and all i got back was confirmation of receiving it. I want CFPB to observe my attempt to gain clarity and watch for trends similar to my event.

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 2018-02-22
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hi, I sent a SEPA transfer on XX/XX/XXXX from my bank account to my Coinbase account. The total amount was XXXX. 

On XX/XX/XXXX Coinbase reversed the payment and sent me this email message : " We're unable to process your recent deposit for XXXX EUR sent on XX/XX/2018. 
These funds will be returned back to the sending bank within 1-2 business days. '' Two weeks have passed since then and the money have not reached my bank account yet.

I opened a support case asking for this issue and they answered with an automatic respond. After that, I have sent several mails to Coinbase regarding this issue, but they do not respond anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I am writing this letter to report The XXXX XXXX XXXX XXXX XXXX XXXX XXXX for violating my rights under the Credit Card Accountability Responsibility and Disclosure ( CARD ) Act of 2009. I have paid my account with XXXX XXXX on time since I had this account open since XX/XX/XXXX. In XX/XX/XXXX I was reported 30 Day late on my credit profile due to XXXX XXXX changing my account number without proper notification. The first bill I received for this new account was on XX/XX/XXXX after I was already reported 30 day late in XXXX, this letter also stated that my account number will be changed again for the second time because I never received a new credit card or the new account number to make the payment and my original account number still stated a XXXX balance. On XX/XX/XXXX I received a statement with my original account number that still has a XXXX balance which was stated when I called to make payment in XXXX. On XX/XX/XXXX I received my new account number and new credit card after it was changed twice. How could I as a consumer make a payment on an account number that I have no knowledge about? The XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights under the Credit Card Accountability Responsibility and Disclosure ( CARD ) Act of 2009 by not giving me at least 21 days to pay from the time the bill is mailed because they never sent me a bill with this new account detail until XX/XX/XXXX which they already reported 30 day late in XXXX. Also The XXXX XXXX XXXX is reporting to the credit agencies payment history on an account number that they change so the information that they continue to report to the credit agency are no longer valid because the account number change doesnt match the account number on my credit profile with file the credit agencies.

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 2023-02-27
Company: Experian Information Solutions Inc.
State: TX
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:
There is a Credit Card company name " XXXX XXXX XXXX '' that is reporting a fraudulent account into my credit profile.

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 2022-05-15
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I believe that it was a mistake to close my PayPal account.I am using my PayPal account for my online business. ( XXXX XXXX ) My PayPal account ( XXXX ) has stucked funds in it that I have to withdrawn asap for emergency purposes.And I'm hoping that it will get back my account and able to withdrawn my funds. 
Thank you and Godbless.. 

{$130.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

CHILD SUPPORT ENF AGXXXX XXXX Balance : {$0.00} ; U S DEPT OF EDXXXX XXXX XXXX XXXX {$33000.00} ; U S DEPT OF EDXXXX XXXX Balance : {$38000.00} XXXX XXXX XX/XX/2XXXX XXXX XXXXXXXXXXXX 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 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE INQUIRIES ON MY FILE. THESES INQUIRIES DOES NOT BELONG TO ME, THOSE INQUIRIES WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY 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 explanation
Consumer complaint received 2019-02-03
Company: Opportunity Financial, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was sued by a collection agency named XXXX XXXX for an installment loan I took out with another company named Opportunity Financial LLC. On XX/XX/XXXX we reached a settlement agreement. The agreement stated I would make 3 payments of {$740.00} dollars beginning on XX/XX/XXXX in exchange no judgement would be filled and nothing would be put on my credit report and the debt would be paid in full. On XX/XX/XXXX I made the payment and faxed the signed agreement to XXXX XXXX and was told I did not have to go to court because they would have the judge sign the order and send me a copy. Instead XXXX XXXX took my payment and the signed agreement and still went to court on XX/XX/XXXX and filled a judgement for a higher amount and sent a garnishment on to my place of employment. I contacted XXXX XXXX and was told that a motion to dismiss would be filled. 3 weeks went by and they still did not fill a motion. So I filled a motion with the court to vacate the judgement. XXXX XXXX contacted me on XX/XX/XXXX trying to collect a second payment and threatening me saying if I didn't make the payment they would not dismiss the motion to vacate judgement even though that was the original settlement agreement in the beginning. XXXX XXXX and I made a settlement agreement. I kept my part of the settlement agreement and 2 days later they breached the agreement after taking my money and then threatened me after I filled my motion to get another payment.

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