BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-23
Company: Experian Information Solutions 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 reviewed a current copy of my credit report and show inaccuarte accounts listed to my report. I also filed an FTC report with XXXX  and information was deleted and/or blocked and I show that creditors information was reinserted back to my report inaccuratly and or direct viloation for 15 USC 1681 ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Due to non-compliance from creditors and non-reciept of written notice which is beyond 5 business due to the reinsertion. I request to have all account listed attahced to FTC report deleted or blocked permanetly.

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 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2021-08-15
Company: Blackhawk Network Holdings Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I want to file a complaint with your office about gift card fraud and identity theft, where I lost {$160.00} after register my card online. 

I brought the gift card from XXXX for {$200.00} and received it on XX/XX/2021. I register at XXXX that was back on the card ; after entering the web address, it directed me to XXXX, and later found it was a fake website and stole my money on XX/XX/2021. 

I called the number XXXX on the back of the card on XX/XX/2021, and the customer service representative said that I end up going to a fake website after I enter the actual website on the back of the card. I was unable to login into the website site, I have enclosed a copy of the transaction history that company sent me via email. 


I only use the card at XXXX on XX/XX/2021 and XXXX  on XX/XX/2021 is when I notice that just {$3.00} was on it. 



My account number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-16
Company: Professional Placement Services, LLC
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is the 2nd time I have had to file a complaint through cfpd against XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WI. Since XXXX we have been in the middle of MANDATED MEDICAL MALPRACTICE MEDIATION. During which time XXXX submitted thousands of dollars of so called medical debt after I filed a complaint for medical malpractice with XXXX XXXX. I PAID THAT DEBT. Please refer to XXXX case # XXXX, XXXX XXXX, 2019 for prior co, plaint and evidence of XXXX XXXX XXXX XXXX SUBMITTING PAID MEDICAL DEBT TO MULTIPLE COLLECTIONS AGENCIES IN AN ATTEMPT TO INTIMIDATE ME FROM PURSUING MALPRACTICE CHARGES. 
Again, this is ALL paid debt. 
This is MULTIPLE attempts of : -FRAUD -HARRASSMENT -INTIMIDATION -RETALIATION -VIOLATION OF RIGHTS -VIOLATIONS OF ETHICS THIS COMPLAINT IS AGIANST THE FOLLOWING HOSPITAL, THE COLLECTION COMPANIES, and THE HOSPITALS LAWYERS THAT KNEW OF THIS AND ALLOWED IT TO CONTINUE TO HAPPEN. THAT CONTINUE TO ENGAGE IN CRIMINAL BEHAVIORS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , WI XXXX -XXXX, XXXX, XXXX, XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX -XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , WI XXXX -XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, WI XXXX or ( XXXX ) XXXX -XXXX  XXXX XXXX XXXX XXXX XXXX, MI XXXX or ( XXXX ) XXXX ALL the above named companies have been engaged in criminal activity against my person, physically, financially, and emotionally. 

This type of business is ethically and lawfully violating. I hereby request a FULL SCALE INVESTIGATION of the practices of the above named companies IMMEDIATELY. 
I will be also be filing complaints with the safety dept, state bar, ag, and governor.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: OLD NATIONAL BANCORP
State: WI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Setting up online banking or requesting account info over the phone requires me to provide my full social security number. Old National bank personnel are very adamant about the quality of their security protocols, but they don't seem to understand that their practice of requiring full SSNs to even get in to their system presents an unnecessary security risk to customers. The fact that the Social Security Administration itself, along with the NSA, Dep't of Homeland Security , Dep't of Defense, and many others including banks, have been hacked rendering these assurances moot, It is unnecessary to provide a full SSN to verify someone's ID. Old National is the only institution I deal with that requires this. All others require only the last XXXX digits of the XXXX to verify XXXX XXXX XXXX from another. 

Old National exposes its customers to abuse and corruption by creating an avoidable opportunity for data miners, scammers, and other nefarious actors to poach important personal information.

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 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 

1 ) XXXXXXXX XXXX XXXX, XX/XX/XXXX, account # XXXX. 
2 ) XXXX XXXX, closed XX/XX/XXXX, account # XXXX 3 ) XXXX XXXX, XX/XX/XXXX, account # XXXX 4 ) XXXX XXXX XXXX, XX/XX/XXXX, account # XXXX 5 ) XXXX, XX/XX/XXXX, account # XXXX XXXX ) XXXX  XXXX, XX/XX/XXXX, account # XXXX 7 ) XXXX XXXXXXXX, XX/XX/XXXX, account # XXXX 8 ) XXXX  XXXX, account # XXXX 9 ) XXXX, account # XXXX 10 ) XXXX XXXX XXXXXXXX, closed XX/XX/XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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 2023-03-17
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:
On XX/XX/2023, I sent three dispute letters to all three bureaus asking them to validate my debt about an item on my credit report. Transunion sent me back a letter on XX/XX/XXXX, letting me know they want to help me ensure my report is accurate. On XX/XX/XXXX, XXXX sent me a letter stating that the investigation results would be removed. And XXXX never returned anything from when I sent out the letter 30 business days ago. To my understanding, I've been told that inaccurate information on a consumer 's credit report must be removed if it is not 100 % substantiated. This affects my chance of getting my dream car and relocating to housing.

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 2021-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Contacting the TransUnion XXXX requesting a complete payment history with this account. Despite the multiple previous requests. Below are the accounts that are reported, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXXX Balance {$0.00} XXXX XXXX C XXXXX Balance {$0.00}

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 explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL XXXX STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number : 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 2021-11-24
Company: EQUIFAX, INC.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Equifax Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

Below are the lists of the erroneous accounts reporting on my credit report : ( Original Creditor : XXXX PUBLIC UTILITIES ) XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX CREDIT SVC ( Original Creditor XXXX XXXX XXXX ) XXXX CREDIT SVC ( Original Creditor : XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: Coinbase, Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
My name is XXXX XXXX. I need your help with my coinbase account. Coinbase froze my account and refused to unfreeze it. I filed a complaint with their office over a month and half ago however, today they sent me an email advising me that the case has been closed. After I checked my account I found out that the freeze is still there and Im still not able to use my account. At this point, I dont really care to have this account. All I want is my money that I invested back. I invested over {$1000.00} on this account and I want that back. 
Please help me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-29
Company: Experian Information Solutions Inc.
State: WA
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:
On XX/XX/XXXX, I discovered that a collection account was posted by XXXX XXXX XXXX ( XXXX ) to my Experian consumer credit report ( Enclosure XXXX ). The report indicated that the amount owed was {$140.00}, and that the original creditor is XXXX. To date, I have yet to receive a letter from XXXX regarding this collection account. However, based on the information ( amount and original creditor ) provided by XXXX to XXXX and Experian on XX/XX/XXXX, this debt is not mine. The amount and original creditor are the same as those submitted by XXXX XXXX XXXX ( XXXX ) to the three credit bureaus in XXXX. Together, the XXXX credit reports indicated that the last payment made to the XXXX account was XX/XX/XXXX ; that the date of first delinquency was XX/XX/XXXX ; that there was an account review inquiry to XXXX by XXXX on XX/XX/XXXX ; and that the collection account was opened on XX/XX/XXXX ( see attached supporting documentation ). While I previously had an account with XXXX, that account was closed in XXXX of XXXX. That account was also in good standing at the time of closure. All fees had been paid as the account was set on credit card autopay, including a close-out payment of {$18.00} on XX/XX/XXXX, and all equipment returned ( see attached supporting documentation ). Since closing my XXXX account in XXXX, I have not opened another account with XXXX, and am not the person who made the XX/XX/XXXX payment to the XXXX account in collection. On XX/XX/XXXX, I submitted a dispute regarding the collection account referenced above to Experian via certified mail ( see attached supporting documentation ). I also filed a complaint with CFPB on XX/XX/XXXX ( Complaint ID XXXX ), which ultimately resulted in removal of that collection account. 

As a XXXX XXXX XXXX XXXX XXXX in Oregon, this matter is distracting my attention and time from serving Oregonians. I would, therefore, greatly appreciate the CFPBs assistance in resolving this matter expeditiously.

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 2019-05-04
Company: Revenue Assurance Professionals LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I XXXX XXXX THIS IS MY MEDICAL DEBT BUT MY INSURANCE PAID THIS OUT AND IT DONT SUPPOSE TO BE ON MY CREDIT REPORT AT ALL AND IT NEED TO BE REMOVED IMMEDIATELY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX, XXXX XXXX CT, XXXX MI XXXX Phone : ( XXXX ) XXXX I was called on the phone by XXXX and they immediately asked me to verify personal information. I was unwilling to provide to a random phone call. I also identified that I was sure I knew why they were calling because of the collection notice I received. I told them I responded to the initial letter for a collection of {$1300.00} was not correct. 

On XX/XX/XXXX, I sent them via this website : file : XXXX : XXXX % XXXX % XXXX % XXXX % XXXX % XXXX - the following message : I received a phone call today asking me to verify my information over the phone. I am unwilling to do this. Regarding my account that they called about today - I wrote a letter of dispute and sent it to you on the XXXX of XXXX. I have 30 days to respond as listed in the letter I received on the XXXX of XXXX. I dispute the callers comment that I refused to reply. It is not appreciated and I am documenting this reply. 

Further on XX/XX/XXXX ( still within the 30 days and using the same website sent this message ) : I previously wrote you on XX/XX/XXXX to report that I disputed the collections that you contacted me about. You have since sent me nothing but the overall bill, that does not equal the amount you are stating you are collecting. I need to understand how you came up with the amount outstanding, as I have cancelled checks and account statements that do not show the amount you are seeking is correct. Please provide me an accounting of how you came up with the amount in collections. 

To date, I have never received anything from this company other than an " original '' hospital bill with the amount owed that didn't represent the claim. In the interim, I had continued to pay the hospital directly until this was resolved. 

Randomly, they we call me to harass me, even when I indicated to them that I would deal with them in writing. No communications have come to me since the initial request. 

Unfortunately, I don't remember the dates of two other phone calls, but both were harassing in nature. The first revolved around me telling them to acknowledge both the mailed letter I sent in dispute and the web based dispute letter ( referenced above ). They refused to do both. The second revolved around me telling them to provide a valid claim and a proper amount and that any monies paid had to go to them. I told them I had a payment agreement with the hospital and was paying down the amount owed monthly ( sometimes twice ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I submitted several disputes because of XXXX XXXX that are not mine and they haven't mailed proof of the original documents if these were in fact my debts. This makes me question all inaccuracies. The disputes that I submitted were updated in one day. They didn't DELETE ANYTHING THAT WAS INACCURATE AT ALL!! They are violating my rights as a consumer. There are not even full account numbers. ( XXXX ) reads as follows ... ... ..Receivables XXXX XXXX XXXX AND XXXXXXXX XXXX XXXXXXXX XXXX I never entered into any agreement with them ... .I demand that these Collections be removed! They don't even have full account numbers. 

( XXXX ) reads as follows ... ... account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never entered into an agreement with them either and they never provided proof. These all violate my consumer rights and are reporting inaccurately I demand that they be removed. 

( TransUnion ) Doesn't report accurately either for XXXXXXXX XXXX XXXXXXXX. There is no account number at all! These all violate my rights as a consumer ....

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