BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
1. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX This letter is a formal complaint that you report inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be removed immediately. It has been over 60 days and has caused me great hardship, 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting Congress makes the following findings : ( 1 ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to ensure that consumer reporting agencies I ask that these items be removed from my credit profile at once.

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 2023-11-27
Company: Designed Receivable Solutions, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt collector engaged in abusive deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: FinCo Services Inc DBA Current
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Company Closed my account and hasn't dispersed the funds left in the account I have waited over a month to receive the check they apparently sent but have refused to provide a tracking number for and have given me 3 different answers as to when it should arrive stating 14 days to next week to it arrived on the XXXX with no proof of delivery I have spoken with everyone in the household and no one has seen a check from them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, 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've tried several times to fix this issue and to no avail, nothing happens. I will disclose the last letter that was sent 11 days ago to the credit bureaus because the letter that was sent in XXXX as well as my cfpb complaint fell on deaf ears. Also, please be aware that I am the one writing this letter. There is no 3rd party involved. All information provided herein under the penalty of perjury is true and accurate to the best of ability and knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2023 I sent in a letter to Equifax asking them to reinvestigate some inaccurate information I found on my report. I asked them to provide me with verifiable proof of these inaccurate accounts, and if they couldnt to Delete the accounts. To this date I have not received a reply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18
Company: EQUIFAX, INC.
State: NY
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:
XXXX  contiunes to report proved fraud on my credit report. the company reporting it will not assist, I have FTC fraud reports, police reports and my local law inforcement ( police/DA ) are investigating this fraud. the loan company has provided conflicting and false information and states the 'loan is verified ' yet will not explain how it was verifed. XXXX has been giving me the run around for months saying just send police report and we will fix it, send ftc report, etc I have done all of this 5 times since XXXX yet it is still being falsely reported. This account in question is not mine, nor was it ever mine and the company that says it is mine has yet to produce any evidence showing it is mine... it needs to be removed from me credit file ASAP this is absurd, please HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, My complaint is in regards to XXXX XXXX, this is the second time Ive had an issue with them. See prior complaint. I received a message from XXXX ( Equifax ) that my credit score had tanked tremendously. I checked my report and it was XXXX XXXX that reported me 30 days late. My account was paid off in XXXX of XXXX, therefore I didnt have a balance. I received a text text message that said I had a balance of XXXX cents and that it was late. Mind you, I paid off my account in XXXX of XXXX to a XXXX balance. I called XXXX with the number provided on their website several time, no answer. I sent messages via XXXX, no response and I emailed for the last couple of days and still no answer. I also noticed they deducted XXXX out of my bank account. This is insane. I really need assistance with getting my credit update to never late, as I have never been late and this account was paid off in XXXX. This company should be shut down for their fraudulent activities. They are ruining consumers lives with the way they handle their past customers and Im sure current ones as well. Please assist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: ENCORE CAPITAL GROUP INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On approximately XXXX XXXX while reviewing my credit union credit report I found that there was a collection debt payment had been put on my credit report, in the amount of XXXX  XXXX 'm a victim of identity theft and have been working with the three major credit reporting companies to rectify and to restore my credit which to my surprise I've had some success but with this collection agency after writing a few letters the inaccurate information remains even after in my letters I gave them my correct address. But as of today, I have not received any response. I SAY ONCE AGAIN I'M A VICTIM OF IDENITITY THEFT AND THIS IS NOT MY DEBT!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: CA
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 XXXX 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 2021-05-22
Company: Klarna AB
State: IN
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:
Dear CFPB, Hello! I hope you & your family are well. I need to file a complaint against XXXX. A while back, I purchased items from XXXX. Ive tried countless times to contact them. I never received any responses to my emails or physical letters I sent them through our US postal services.

I have printed out the order numbers, item numbers, dates, prices, & descriptions of items. I havent been able to get anything resolved & settled. There were items that I never received, wrong items, & damaged items in some of my packages. I followed their return policy process & protocol, but never received my refunds. 

Also, Ive been hacked ( 3 ) times. I was forced to cancel & void out ( 3 ) separate debit cards. Ive let XXXX know Ive had to cancel & void out ( 3 ) separate debit cards. There is no way the refunds could be put back on those debit cards as the payment methods because they no longer exist. I just want to get my refunds I shouldve received at that time.

My request is for them to send a check in my name with the amount of my refunds added together & sent to me through our US postal services. Id like each item listed with the refund amount next to it. I used to buy from them on a regular basis, but I havent purchased anything since this last time Ive tried to resolve & settle things with them. 

I look forward to hearing from you very soon. I appreciate your time & attention to this matter. 

Respectfully Yours Order Date : XX/XX/XXXX Order # ( XXXX ) Shipment ID : ( XXXX ) These are the dates of the physical letters I sent out to them ... just let me know if youd like me to forward them to you ... 

XXXX & KlarnaLetter of Complaints XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
My daughter applied for a XXXX XXXX XXXX  from XXXX XXXX. She went to their site to see if she would prequalify for a card without any impact to her credit bureau score. The pre-qualify said she didn't qualify so she used me as a co-signer, again using the prequalify on-line application. We were both denied, end of story. Unfortunately XXXX XXXX  reported the denied application to all 3 credit bureaus as a declined loan, thus lowering my score between 3-9 points. This was supposed to be a prequalify, not an actual application.

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 2023-03-28
Company: EQUIFAX, INC.
State: NJ
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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 Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-04-03
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
To whom it may concern, I am writing you today as an aggrieved man. I applied for a secured DISCOVER card XX/XX/21 after seeing an advertisement on XXXX XXXX website. I was checking my credit scores and the ad popped saying I had a high chance of approval rating. I applied and got approved. I gave DISCOVER permission to debit my checking account for {$200.00} dollars as a deposit. DISCOVER withdrew the {$200.00}. I was contacted shortly after from DISCOVERS verification department. 

The representative wanted to verify I am who I say I am. I answered all the representatives questions and was verified. The representative advised me my secured DISCOVER card should arrive in a few days. I was then sent an email from DISCOVER card asking me to complete IRS consent form XXXX. I obliged and completed the form. Fast forward to XX/XX/21. I receive an email from DISCOVER card saying they closed my account effective immediately. DISCOVER is now claiming they could not verify personal information. 

I thought I was already verified multiple times. Didnt DISCOVERs representative advise me I was approved and verified? Didnt the representative advise me that my DISCOVERY card would arrive in a few days? What about my credit score? How is this going to affect my credit score? DISCOVER is also advising me they wont refund my {$200.00} deposit unless requested. Well, I am formally, requesting they refund my {$200.00} deposit post haste. Either by a deposit back into my checking account or if by check in overnight mail. 

I also request that the check be mailed to XXXX XXXXXXXX XXXX XXXXXXXX NJ XXXX. We have had mail stolen at my XXXX XXXX XXXX XXXX XXXX PA XXXX address. DISCOVER owes me a remedy for operating with bad business practices and truly in bad faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: Coinbase, Inc.
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
My name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX Idaho XXXX. In XXXXXXXX XXXX XXXX  I met a person on XXXX dating, named " XXXX ''. She asked if we could use an app called XXXX and we started Communicating there. She was talking normally for a few daysand then started talking about crypto  investing. I wanted to delete her after that but I ignored the red flag and played along. She was working on me and trying to get me into crypto trading in higher amounts for greater returns. I was still very skeptical but knew the platforms were safe and secure as long as I didn't give her my account log in information nor my send or receive codes, which I never did. She eventually talked me into wiring an initial transfer of money to Coinbase, which is a secure crypto  currency exchange. I knew this and was not worried about transferring my money there. The initial wire transfer was ( XXXX $ ) on XXXX of XXXXXXXX XXXX. She increased the money that I put in there by {$700.00} in only XXXX minutes or so of trading and allayed my concerns of being scammed as I had control of this money when it was in my coinbase account and my coinbase wallet. At the end of the trading day, she guided me through depositing the money into a bitcoin IRA account she led me through the creation of. ( It wasn't known at this time but that IRA platform was fraudulent. ) There were two deposits I made by wire into my coinbase account and those dates were First date of Transaction XX/XX/2022 and Last date of XXXX XX/XX/2022. The total amount of money deposited was $ XXXX then started asking for more and more money to invest in Crypto, and she had already proven herself on smaller amounts ( or so I thought ). I also believed the IRA account was legitimate still so I transferred a total of {$27000.00}. In order to trade it she convinced me that I should end and initiate trading from my fraudulent bitcoin IRA account. After my final deposit I realized that I had been scammed as I tried to reach customer service from the XXXX IRA website and never received a reply. The evidence attached is from my detectives who have traced the funds and helped me file claims to recover the funds from the XXXX different exchanges that ended up receiving the transfers from her account ( see attached XXXX XXXX XXXX ). I will also provide this information on a thumbdrive, per our conversation, and drop it off with the local FBI office for your use in this case when you request it. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. Block the items that are reported in my file Here are the aforementioned items : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXXXX/XX/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 2021-04-05
Company: ZenResolve, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX at XXXX AZ time, I was contacted by email stating ZenResolve was a third party debt collection agency and that I have an outstanding balance to XXXX in the amount of {$1000.00}. I have never heard of XXXX before, so I started the verification process. On XX/XX/XXXX XXXX AZ I sent off an email disputing this debt because I have never done business with a company called XXXX and the email was returned to me. Later that evening, I mailed off a letter to ZenResolve by the USPS disputing this debt and asking for verification under the Fair Debt Collection Practice Act. I did not mail this certified. I never received any verification of this debt. Then on XX/XX/XXXX at XXXX AZ, I was contacted by email again by the agency. I sent off a certified letter to ZenResolve explaining that I sent off a letter on XX/XX/XXXX requesting verification of this debt and it was never done. I haven't received anything. I do have the tracking of the certified letter from XX/XX/XXXX to show it was delivered to the front desk. In the letter, I asked them to cease collection efforts or I will report them, so here I am. Today, XXXX at XXXX I got another email from this company. ZenResolve is not providing verification of this debt. I have never done business with this company XXXX before. ZenResolve is now violating my rights under the Fair Debt Collection Practice Act.

Company response to consumer: Closed with explanation