BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-29
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello, These are the inquiries as shown below which was never acknowledged or approved by me but I see them outstanding on my Credit Report. I have reported to the respective credit bureaus to remove them as they are not acknowledged but there is no action or feedback from their end. Please help in removing these inquiries as I have have never provided any consent for any of them. Thanks, 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 XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 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 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 non-monetary relief
Consumer complaint received 2017-07-17
Company: AMERICAN EXPRESS COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Hello, My name is   XXXX   XXXX   and I applied for an American Express Gold Delta credit card on   XXXX    XXXX  2017. I signed up under a 40,000 welcome miles offer including a {$50.00} statement credit after on e Delta Purchase.  The terms of the offer stipulated that I make {$1000.00} of purchases in the first 3 months to receive the 40k miles. I also needed to make a Delta purchase within the first 3 months of any amount to receive the {$50.00} statement credit. I applied for the card in  XXXX  knowing that in  XXXX  I wanted to take a trip to DC with my husband while he was there on a work trip. I met the minimum spend requirement on  XX/XX/XXXX . This was well within the first three months of being approved of the card. The terms and conditions of the card and offer state that the bonus miles would be posted within 6-8 weeks. It is now  XX/XX/XXXX  more than 8 weeks after meeting the spend requirement. I have reached out to American Express numerous times with no concrete answers. I am told that there is a ticket that was opened  XX/XX/XXXX  in the back office for investigation ; however, I get no expected date of resolution and I get no recourse on how to book my trip. On top of that I also made a Delta purchase that posted on  XX/XX/XXXX and I did not receive my {$50.00} statement credit. I really just want to get the miles and statement credit that were agreed to by both myself and American Express when I signed up for the card and American Express issued me the card. The customer service provided in the online chat feature and through the customer service number have provided no useful information on resolution steps or timeframe for resolution. Please help.
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V/r,   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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  Account XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 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 2023-10-09
Company: Resurgent Capital Services L.P.
State: NY
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:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I Was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : The reporting of these accounts ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS. - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Early Warning Services, LLC
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX Was getting money from XXXX, but got scamed!! Figured safe thru bank. 
Was told to send extra because I didnt have a business account., got smart finally told him no he was scamming me, but he already took money. Called bank ASAP, had to wait for it to post but they still wouldnt give it back, told me to call Zelle but to no avail, called 4 days now, drops call, been on for 2 hours at a time!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: Selene Holdings LLC
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I live at XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. My name is XXXX XXXX. Ive been living here for 16 years. The loan was originated with XXXX XXXX XXXXXXXX. I feel behind or I try to file bankruptcy but it got dismissed in XXXX. I did not complete the bankruptcy, so I was still behind then XXXX XXXX XXXX was supposed to have sent the loan to Celine finance so all of the year and something they sent the one there I was trying to modification with them. I never could get through to Celine finance that supposed to be house in Texas so now theyre trying to foreclose they found paperwork in XXXX XXXX XXXX XXXX XXXX, XXXX. I need some assistance. Im trying not to lose my home, but it doesnt seem like theyre trying to work with me. Theyre trying to say that Im behind 54 payments with Celine finance. They only have had the account for a year and a half. If you could please help me I would greatly appreciate it. My phone number XXXX thank you. I have also contacted Americans with XXXX act. XXXX on XXXX. Ive been on XXXX for at least 10 years. I also work jobs to compensate for my income.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing this complaint because Capio Partner LLC has ignored my request to provided me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've been sending them letters via mail for several months now but credit reporting agencies are not responding nor providing any resolution to this ongoing issues concerning these invalid and misleading accounts they have published on my credit files. I just need these entries to be removed immediately, as these are not mine : 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 non-monetary relief
Consumer complaint received 2023-04-30
Company: CCF Intermediate Holdings LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
The Truth in Lending was not followed by the Company, when asked if my final settlement pay ment I was informed that my Installment Loan, had turned into a Payday Loan and was due in the amount of {$1400.00}. I am not able to sustain this amount of money at One time. They were not concerned that I am A XXXX, XXXX years of Age.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: GVA Holdings, LLC
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
This company is imposing an apr way over the legal limit The cap is 36 % and they are imposing an over 700 % apr on our loan Making it impossible to get paid gave us a   XXXX   dollar lone witch exceeds that cap Wanted to find out if they were really licensed but i could not obtain the information?
Hoping you could help me out with that info?
If the company is not legal then i want my account closed and their operation investigated This is the first action I 've taken on this please advise Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: EQUIFAX, 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:
Equifax in violation of my cra showing a late payment never late with XXXX trans has fixed it but Equifax has not

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is XXXX of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX. Please delete this account ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Equifax Following hard inquiries is shwoing on my equifax report. I have contacted the Equifax to let them know that I never approved of this inquiries and should be immediately removed. But there is no feedback or action from Equifax. As a result, i have to knock on CFPB door for swift action and justice. Will appreciate if EQUIFAX is been instructed to remove this unsolicited inquiries asap. The names of the merchants and dates of inquires are provided below. Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to file a formal complaint regarding a collection account labeled " XXXX XXXX, XXXX XXXX and XXXX. XXXX, XXXX XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. 

To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. 

The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX  that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.

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 2023-08-16
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-22
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: REGIONS FINANCIAL CORPORATION
State: OH
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 fell behind on my loan and could no longer make payments. The company EnerBank USA then filed paperwork with XXXX & XXXX and a settlement was reached and paid off XXXX XXXX. The company has yet to change the account to paid off in settlement and Im also seeing the balance increase on credit reports through XXXX. The loan has been close, settlement reached and paid off to the agreements with the lawyer they chose. Also have a letter from their lawyer stating the terms have been followed and paid in full.

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 2023-04-29
Company: Experian Information Solutions Inc.
State: DE
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 sent copies of my credit report from Experian to Experian and on this website and I don't see how this error is still not corrected. I have 1 collection account named XXXX XXXX XXXX on my credit report and it is still not deleted off. Experian keeps verifying the information when it is inaccurate.. I have provided copies of my credit report showing they deleted the item off my credit report and then put it back on. This is by law ILLEGAL. I am asking you Experian one last time to remove this inaccurate account off my credit report before I sue Experian for violating the fair debt reporting practice act for not reporting accurate information on my credit file. Im going to provide you with the credit report again showing you removed the item off my report and then put it back on. Please remove immediately or I will take further action.

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 2021-09-22
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
Coinbase have a very, very clear ( I will attach screenshots ) point where it says " Fee : {$0.00} '', however they still charge an INSANE fee : for me each such transaction ( converting from one cryptocurrency to another ) was approximately 5.5 % of my total balance, meaning that after 7 " fee free '' transactions I ended up losing around 40 % of my entire portfolio.

Attached are three images : my balance BEFORE the transaction, the FEE they say they won't charge ( clearly states : Fee {$0.00} ) and my balance RIGHT AFTER the transaction, showing {$6000.00} less. This happened several times. 

My ticket number with them is # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
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: Investigation took more than 30 days

Complaint:
TransUnion Consumer Solutions XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX  Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX  Account Number : XXXX Reason : I don't recognize this account Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file.

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 2018-07-27
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:
I am providing information that the State Bankruptcy Court does not report to any of the 3 Credit Bureaus. However, TransUnion, XXXX  and XXXX all are reporting these State Bankruptcy Court proceedings, on all 3 of my credit reports. I am requesting that these State Bankruptcy Court Reportings be IMMEDIATELY REMOVED, from my TransUnion, XXXX  and XXXX  Credit Reports.

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 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
i recived a copy of credit report and i noticed one account on my credit file that not mine i never applied for and needs removed from my account listed the account XXXX  XXXX, XX/XX/2023 {$430.00} ( XXXX ) XXXX can you please remove all the enquiries

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 2021-06-14
Company: CCS Financial Services, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted both CCS Collections and XXXX and neither would take the blame for the mistake but both did admit it was a mistake. They passed me back and forth to each other and did nothing to correct this. This debt is for someone else and debt collection agencies continue to put his debts on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation