BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-02
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: Investigation took more than 30 days

Complaint:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2021-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed some fraudulent inquiries on my credit report. I have filed a complaint with the Federal Trade Commission and received an Identity theft Report. I will upload the document along with my Identity as proof. Please remove the inquiries from my credit report.

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 2023-04-19
Company: Credit Systems International, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Credit Systems International has been sending me repeated bills of collections for a XXXX XXXX company for the total of {$1000.00}. On XX/XX/2023, I completed a FTC Identity Theft form which indicated that this was due to identity theft and fraud. There was another utility company, XXXX XXXX XXXX, which XXXX was trying to collect {$310.00}. This was just resolved by XXXX but I want to ensure Credit System knows this is identity theft and clears that off my credit. I have called repeatedly and stated the actions I have already took in proving this is identity fraud. There were also two false addresses from Texas, never lived there or know anyone there, that were being used for the XXXX XXXX and XXXX XXXX. I have been with XXXX & XXXX for 5 years and I have never even heard of these scammer companies. XXXX XXXX are terrible to work with and basically said they dont believe me. I sent them years worth of XXXX & XXXX documents, government documents and the identity fraud application and still are sending me letters stating its not enough information. This has been a terrible nightmare for someone whos identity has been stolen and they make it 100 times harder by not believing the hard evidence. I already told them I will not pay it and keep fighting all the letters they send.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have an account with an stats of closed I tried to have it removed from my credit report under the fact tht the report is closed but was denied and told it the report was accurate. the report was also opened on XXXX XXXX XXXX this was supposed to be removed after 7years of being on my account this company even went as far to update the collection in XX/XX/ regardless of the fact that it's clearly been past seven years and this account has to be removed from my account.

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 2021-01-02
Company: Conn's, 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:
conns appliance is reporting late payments for XXXX2020 and XXXXXXXX  in the amount of {$140.00} for each month i sent conns copies of my bank statement several times and called a dozen times.they pass me to different departments, put me on hold for long periods of time.so i sent copies by mail to each credit bureau they say the information is accurate.how can it be accurate if i sent bank statements showing the money taken out for my payments.also conns shows on my account page im paid one month in advance so how can i be late and paid in advance that makes no since.i am attaching bank statements proving im not late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received mail dated XX/XX/XXXX from Transworld Systems , Inc trying to collect {$1300.00}. Company could not produce any contract I signed for XXXX XXXX. Their company buys debt from others looking for revenue. I received no phone call or letter. Most companies trying to collect debt in Maryland from Delaware and Pennsylvania offices are frauds.

My information was either sold or obtained fraudulently by this Creditor operating in the most discriminatory areas on the XXXX XXXX. I do not owe Transworld Systems, Inc. Someone sold my information without authorization or this company tracking my credit score. I do not have use XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 explanation
Consumer complaint received 2021-01-02
Company: Conduent Incorporated
State: NJ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Today XX/XX/2021 i received my son 's Way2Go prepaid benefit mastercard through mail. 
Unfortunately the {$100.00} balance was to be spent untill XX/XX/XXXX I checked the ballance online and it is {$0.00} today What can i do? 
Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: TMX Finance LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
XXXX  XXXX offer to help me the problem was every time I call or the bank the manager was never available or on another phone call would not return my phone calls or talk to XXXX XXXXXXXX. Some one else answered the phone always some type of drama of trying to get help and they misled me to work with me and XXXX XXXXXXXX XXXX  did try reaching out to the manager it was a no show another person answer the call and mis guided or mis led information to XXXX XXXX XXXX and now the corporation has given me a call XX/XX/2022 telling me that I have to pay XXXX a month. Although the payments went from XXXX to XXXX and the interest rate is 139 %. I try all banks and try to trade it in no one is going to help me anyway the car does not run so I'm stuck and now I'm complaining because I gets phone calls and don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: VA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-02
Company: Experian Information Solutions 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:
experian is useless. I have provided much needed information proving the information they are reporting is inaccurate and not mine. They continue to update and report the same information. 

I have no recourse other than to report them to you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second 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 alleged fraud or extortion 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 2021-01-02
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have made several attempt to resolve since XX/XX/2020 please the attached proof Re : XXXX XXXX needs to be removed it does not belong to me, Please see the provided proof. 

Secu this account shows late payments : This account is paid never, The balance is also incorrect. I am requesting that all information be corrected Please see the attached for further information Equifax dates are follow : Per the USPS 1 ) XX/XX/2020 2 ) XX/XX/2020 3 ) XXXX XXXX, 2020 All as shown above was recived by XXXX XXXX. 


Transunion has declined to update my credit report, I have sent numerous request to them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
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:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX and Equifax have violated my rights to privacy and they are still reporting information that I have asked for them to delete. I have asked them for a ledger or account of where the companies got their information and how they arrived at the so called fact that I owe them. My next step is to file for compensation for me being stressed and the laws that they have violated. I have sent the attached letters several times I have sent my ID, proof of the Identity theft, and my Social Security card and their response is that they have not received them or they don't see them on their side this is wrong on so many levels and they should not be allowed to play these games. Please see letters from them and my response. Please make them adhere to the laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2022-04-08
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2023-10-03
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: Information belongs to someone else

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 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 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 2021-01-02
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Compaint is for coinbase.com Case # XXXX I have an account on coinbase for 3 years. As you are able to check the last three months virtual coins went alltime high. I was trying to verify my mail address as coinbase asks with my bank statement. For no any reason or explaination they freezed my ability to sell or buy and as a result of it I lost over XXXX usd which was very important to me. I want to be honest and tell you that prices went higher than the time I decide to sell but at the time that I decide to sell the price was XXXX usd. When I tried to sell and cashout as I was doing all these three years, a message appears that I was not able to do anything in my account and to contact coinbase. 

I cantacted them 7 times at the last 20 days but no one came back to me. Every time I am receiving back an automate email which says : ''Please accept this email as confirmation of receipt of your complaint. 
We will review your complaint and you will receive a response from the Customer Complaints Officer within 15 business days. If for any reason we require an extension, we will notify you as soon as possible. '' As a result of it I lost savings of this year which as you can understand are very important for my family as a result of covid19 economical situation worldwide, but anyway I lost them without any reason, any fault of mine or anyone to explain me why.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-02
Company: CBC Companies, 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:
I want to report that my identity has been stolen, a number of accounts had appeared in my credit, in the passed i had lost my wallet but although I reported to the police apparently someone is using my identity to open accounts in my name. 
An FTC report has been summited and is attach to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent a cease and desist order! This company that I do not know of continues to send me letters. I think this is my dad 's medical bill but I do not know since we have similar names and he used to live here. 

But this is not my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-02
Company: AVANTE
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have multiple medical debts on my credit score with XX/XX/XXXX and XX/XX/XXXX. I did not give permission for my medical files to be released this is a HIPPA violation and I will be taking legal action if not removed. On top of that I did not receive any notice of debt. 4 collections through Avante, 1 collection with XXXX, 5 collections through XX/XX/XXXX onXX/XX/XXXXXX/XX/XXXX. 1 collection through XXXX on XX/XX/XXXX and 1 collection with XXXX XXXX, 4 collections through XXXX on XX/XX/XXXX I am disputing all of these on legal grounds

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a response from Wells fargo which is unacceptable. I would like to see evidence from my court proceedings 1 ) that states Wells fargo is not liable for my attorney fees.

2 ) XXXX XXXX at Wells fargo found in his research that we'll fargo inadvertently applied my funds on an incorrect loan and never reversed them.

3 ) Wells fargo has not correctly responded to all of my questions.

4 ) Wells fargo has refused to work with me on all of these issues, and will admit no fault 5 ) Wells fargo has refused to report correctly to the CFSB and your organization does not do the appropriate follow up 6 ) I have a letter from Wells fargo which shows me having a XXXX  in escrow, they they're tell me.its something different 7 ) Wells paid my Tennant XXXX XXXX at XXXX XXXX XXXX XXXX XXXX minute XXXX  $ to move out. This was done in XXXX  or XX/XX/2012. This was done under their REO ( real estate owned ) unit. They refuse to admit this

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 2022-12-18
Company: Maximus Education, LLC dba Aidvantage
State: IN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
RE : XXXX Failed to validate alleged debt. Did not follow-up. 

XXXX tracking number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
An unknown entity withdrew funds from my account using ACH. 

On XX/XX/2022, {$49000.00} was removed from my account via ACH. This is the description " XXXX XXXX XXXX { initiator : XXXX XXXX } XXXX '' On XX/XX/2022, {$20000.00} was removed from my account via ACH. This is the description " XXXX XXXX XXXX { initiator : XXXX XXXX } XXXX '' On XX/XX/2022, Fifth Third Bank, restored the {$20000.00}. 

On XX/XX/2022, Fifth Third Bank refused to restore {$49000.00} with no discernable reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: PNC Bank N.A.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Twice PNC Bank has opened a checking debit card account without my authorization. I have never banked with them. Numerous calls have gone unreturned. I have not given them my information or signed any agreement so they should not be opening anything without my consent. Their fraud department has done nothing.

Company response to consumer: Closed with explanation