BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-10
Company: Experian Information Solutions Inc.
State: IN
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 recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see iterns ; that aren't mine. I got in contact with the police and FTC. I don't understand what's going on but these items are not mine and they all need to be deleted from my credit report XXXX, XXXX  ( acnt # XXXX, ) XXXX  ( accnt : # XXXX ), XXXX XXXX  XXXX ( accnt #  XXXX ), XXXX XXXX XXXX ( accnt XXXX ), and these inquiries are not mine either XXXX   XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX , XXXX XXXX. Please help me.

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 2021-06-11
Company: MRS BPO, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Called Company, Disclosed to them I had disputed this account once before when it was with XXXX XXXX XXXX XXXX, first reported in XXXX of XXXX in the amount of {$320.00}, disputed in XXXX of XXXX, XXXX XXXX XXXX XXXX could not provide the required information in order to validate the account, which I had disputed. 

Later XXXX  sold the account to MRS Associates, in the amount of {$320.00}. This is the same debt with the original Debtor of XXXX. I am in the process of buying a home and this is detrimental to the home buying process already in contract to close in XXXX. 

I contacted MRS Associates about this account on XX/XX/XXXX when I contacted them I provided them with my personal details and the last 3 addresses in which I lived at. The lady on the phone said none of the accounts associated with my First and Last Name matched any addresses I lived at in the last 3 years. I instructed her that this means they are reporting an account on my credit that is not valid and it needed to be removed. She stated " there is nothing I can do on this end without an account number ''. I provided this individual with my full SSN to verify any debts. She could not verify that the debt was valid to me and had no evidence. This is the second time I have disputed the same debt with a different debt collector for the same company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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, account numbers : XXXX Deptofed/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX dept of education/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX All Have violated my rights 15 U.S.C section 1681 section 602 A States : I have the right to privacy 15 U.S.C section 1681 section 604 A section 2 : It also reports a Consumer reporting agency Can not furnish a account without my written permission

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 2018-01-02
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I filed an complaint against this company in XXXX XXXX. The company agreed to cancel the referenced account and remove it from my credit. It has been reapplied to my credit report again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-29
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: Investigation took more than 30 days

Complaint:
Please see the attached information. XXXX XXXX along with XXXX XXXX XXXX are attempting to collect on a debt for two student loans without the proper acceptance of a loan and promissory note.The documents provided by XXXX XXXX to validate the debt do not include a signature by myself or the cosigner, instead this signature is typed in electronically and I have never agreed to the terms and conditions of the loans in question or any other loan with this company.Please see the supporting documents and please make XXXX XXXX adhere to fair debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX SENT ME A LETTER COUPLE OF MONTHS AGO. THEY WERE REPRESTING SYNCHRONY BANK SAYING I OWED XXXX DOLLARS FOR XXXX XXXX XXXX  NOW I RECEIVE A LETTER THAT I OWE XXXX OFFERING ME A 10 % DISCOUNT. THE AMOUNT HAS TRIPLED. THIS IS A SCAM OR PREDETORY COLLECTION PRACTICES. 
THEY HAD A CLASS ACTION LAWSUIT IN XXXX AND ANOTHER IN 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 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-04-07
Company: Skrill USA, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My account transactions were stopped until I verified my identity by pictures of i.d and then a face recognition scan. All 3 times it came back right away it didn't work. So I tried calling support which can't get through too at all. Then tried logging into my account and it says response error and I can't do anything on the Skrill website now at all! And I have money in that account I need.. I am unable to access my account completely now and am more then frustrated. I verified my identity now give me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I applied for my mortgage refinance and they noticed that there is a credit freeze on my credit report with Experian. I have been trying to reach Experian for 8 days now. Everytime I try to call them, the phone calls disconnect and do not connect to a live person. There is an option to unfreeze credit report online, but it fails saying that my information does not match and/or my pin is not valid. I tried generating pin. The standard form that prompts us asks us only for SSN, Date of Birth and Address. It comes back that my information is not correct and that I need to send a letter in mail with a state issued ID/DL, Utilitiy Bill/Bank Statement etc., I tried unfreezing without a pin and still fails validation. For a large credit reporting beareau, I am extremely disappointed that there is no one to help. I mailed two letters. One regualr and one via priority mail. I have delivery confirmation that they recieved letter on Tuesday XX/XX/21 in the afternoon. There is absolutely no response from Experian till now. I am not able to refinance my loan. I was able to access my credit report from the website but lending organizations are not able to. Please Please Please Please Please help me. 

My USPS tracking # 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 2021-10-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I made a transfer from XXXX  XXXX XXXX in amount of {$350000.00} to Chase bank. The chase bank account was provided by a fraudsters and this is a fraudulent cryptocurrency transaction being made. When I transferred, I didn't know the platform is a scam. The customer service request me to add buying power by transferring money to this account. After the deposit was made it unable me to withdrawal. This is a complete fraud. Chase needs to be responsible to revise my transaction and XXXX  XXXX XXXX needs to investigate this matter for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I filed bankruptcy on XXXX/XXXX/XXXX. It does not show on Equifax. It does show on XXXX and XXXX as it should but now Equifax. My attorney told me I was eligible for a discharge on XXXX/XXXX/XXXX which is today so I would think that it should have been on Equifax by now. I contacted Equifax back early XXXX and they told me there 's nothing they can do. 

Also, I noticed that shortly after I filed bankruptcy, I noticed I had a hard inquiry on my Equifax credit report only. I NEVER reached out to XXXX to purchase anything so they never ran my credit. I called Equifax and they again told me they ca n't do anything about it. I escalated it with XXXX and they said it would be taken off but it has not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2019-10-10
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2019 I redeemed 7250 points for three gift cards through US Bank FlexPerks Rewards Program. I received an order id number and confirmation e-mail from US Bank of my transaction. The XXXX Id XXXX. I never received the gift cards and I contacted US Bank Reward Card Services approximately 3 weeks later to find out the status of the gift cards. I was advised by the customer service rep that the cards were sent out. She also informed that she would start an investigation as to why I did not receive the cards. I then received a letter from Cardmember Services dated XX/XX/2019 that stated that US Bank would not reissue the cards, because the credit card account was closed. 

As I am a long time account holder with US Bank, and I frequent the branch on a regular basis, I went to the local branch on XX/XX/2019 and asked employee XXXX XXXX to look into the matter for me. She made calls to the Reward department and was advised by supervisor that they were unable to issue the cards because it was 30 days since the account was closed. 

She advised them that when the order was made the points were in the account and eligible for redemption and that the cards should be re-issued. The employee at the Reward Center refused. The branch employee also stated that she has encountered similar problems with the Reward Center in the past. 

Today, XX/XX/2019 I called the Reward center directly and spoke to supervisor XXXX and he also refused to issue the gift cards. 

It is unfair of US Bank reward department to refuse to issue the gift cards that I am entitled to. I earned the points using their credit card, and redeemed the points that were available to me in my active credit card account on XX/XX/2019. I subsequently closed the credit card account some time after I redeemed the points because I did not want to continue to pay the high annual fee on the credit card.. The points were available to me and the gift cards should be re-issued.

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 2021-08-19
Company: Netspend Corporation
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
This pre-pay Brinks MasterCard arrived in my mail without me EVER signing up or requesting the card. They did not just send a sign up but the actual physical card! In addition all phone numbers only lead to an automated system so I cant file a complaint with the company nor can I identify how they got my information, what information they have and how they are using/selling it

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 2021-06-10
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have a Coinbase Wallet but the altcoin ( Dogecoin ) that I have owned since 2018 has went missing. There is no phone number to contact the company only an Email address. I have contacted the company on several occasions only to get a reply that the case is being reviewed. I first contacted the company via email XX/XX/XXXX. I have contact the company at least 9 times and I have attached their last email response. The remedy that I am looking for is for my coins to be returned which is XXXX coins at time my coins went missing the value for them was over {$7000.00} us dollars which I would like to receive the value of these coins at the time of disappearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX XXXXXXXX XXXX of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXXDate of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2019, I tried to transfer my available Membership Rewards from American Express to my XXXX XXXX account, but the transfer failed since American Express stated that they are reviewing my purchases to see if they meet qualifying criteria. But for all the purchases, I have already paid for all of my balances on all of my credit cards and charge cards and have not missed a single payment before. This has been the third time this year such an issue happened to me. The last time, also happened in this year, took more than three months to resolve the same problem, which resulted in major changes of my travel plan and my schedule. Contacting American Express customer service was not helpful at all since they obviously don't have much access to what is going on for such matter. I have been a loyal American Express customer for years, and I do not understand why such stupid problem has happened to me multiple times in the same year. I have recently received multiple mailer offers from other competitive banks with great card benefits and sign up bonuses. If this can not be resolved in a week, I will seriously reconsider using American Express products in my future purchases and my continuation of paying for such high annual fees for my cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: EQUIFAX, INC.
State: NC
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:
Hello, I have submitted disputes to the consumer reporting agencies and I haven't received any updated information pertaining to my investigation on the consumer reporting agency 's side of things I have given them the proper amount of time-based on law which is 30 days and I have also given them extra time to correspond back to me on the results and I haven't received anything back from them in the mail as of today XX/XX/2022. I first made contact with them on XX/XX/2022 and nothing has transpired since then. The company was Equifax. The total process now has been 34 days and counting and I haven't received anything from the consumer reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: Experian Information Solutions Inc.
State: TN
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 recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure a how this happened. I need this Items deleted from my credit report. I have already gotten a police report and FTC. XXXX, XXXX, 'XXXX , XXXX  XXXX. There are also some inquiries that 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 2019-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure a how this happened. I need this Items deleted from my credit report. I have already gotten a police report and FTC. XXXX, XXXX, 'XXXX XXXX XXXX XXXX. There are also some inquiries that 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 explanation
Consumer complaint received 2022-03-15
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Hi my name is XXXX XXXX XXXX. I am filing this complaint completely for my self. I have not received any assistance in filing this complaint. My consumer report has violations that have caused me and my family harm. XXXX  [ Account # XXXX ] is in direct violation of 15 USC 168s-2 ( a ) ( 1 ) ( E ) ( ii ). {$2500.00} and {$3600.00} of this loan have competed the rehabilitation process. Delete now.

Company response to consumer: Closed with explanation