BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-01
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XXXX, I applied for a mortgage. I was declined because my Transunion score was XXXX. A 186 point DROP that happened on XXXX. This change states on XXXX XXXX that it was due to me paying DOWN the balance on 3 credit cards, which is supposed to be good. It made my XXXX and XXXX scores both go up. Then on XXXX, my Transunion score went up 25 points due to me paying down the balance on 2 other cards. Transunion says scores are generated by computer. I told them there was a glitch of some kind because the only thing that happened between XXXX and XXXX was the decreased balance of the 3 cards. They should not be able to hide behind the fault of a computer.

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 2023-02-08
Company: MRS BPO, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I dont owe this bill I dont even live in XXXX  I live in XXXX XXXX . This is fraud and it needs to be removed immediately

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 contacted credit bureau about 30 days or more late payments on my accounts I was told that the information is correct. 
I contacted XXXX XXXX they have stated that there is no late payments

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 2018-03-31
Company: Riverwalk Financial Corporation
State: OK
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The debt collector XXXX XXXX originally opened the debt collection on XX/XX/XXXX for the amount of {$12000.00}. I don't recall being contacted by XXXX in an attempt to set up a payment plan or explain what this debt was for. On XX/XX/XXXX this debt was given to another company by the name of XXXX XXXX XXXX, I was not informed of this change and I have never spoke with anyone from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I submitted this complaint to update this suspicious information. 3 Credit Bureau must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX Original Creditor : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14
Company: U.S. BANCORP
State: GA
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:
I have attached a copy of letter received on or about XX/XX/XXXX regarding this dispute. I called company on XX/XX/XXXX and requested that they not make the change request referenced in the letter. The representative stated another representative would call me back on XX/XX/XXXX to accomplish this. I called today on XX/XX/XXXX and had a live chat that I have attached a copy of. When the manager attempted to call me back the number was flagged by my phone as spam and sent to my voice mail. When I called the number in the voice mail message I was sent back to regular customer service.

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 2021-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Ive requested three separate times that XXXX, TransUnion, and XXXX investigate and provide proof that some unauthorized inquiries be removed. After three months of waiting they have yet to respond or remove these. *attached support documentation

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 2021-10-05
Company: Professional Debt Mediation, 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:
I originally filed a dispute on XX/XX/XXXX via certified mail to all three credit reporting agencies : XXXX, XXXX and XXXX. I received a letter on XX/XX/XXXX from them stating that the Collection account has been verified as accurate. In my letter I requested for them to send me copies of the documents they used to verify the collection. They have failed to send me any documents. They have continued to report this inaccurate and unverified collection on my credit report. On XX/XX/XXXX I sent a U.S. Postal certified mail receipt to Professional Debt Mediation , Inc. requesting that they send me copies of the documents they used to verify the collection. They have failed to send me any documents. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Update : I called XXXX via phone yesterday XX/XX/XXXX and spoke with a representative that advised me that the collection from Professional Debt Mediation has been removed from my credit report. The representative stated that Professional Debt Mediation contacted them to remove the collection from my credit report. I would like for XXXX and XXXX to remove the collection {$4700.00} from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12
Company: CITIBANK, N.A.
State: NY
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:
After a declined charge attempt for {$3.00} on my citibank mastercard on Thursday XX/XX/XXXX, I went online to look at the status of the account and saw that it had been closed. The account, which I 've had for about 20 years has always been in good standing with on-time monthly payments. The last ( minimum due ) payment was made on Thursday XX/XX/XXXX for {$360.00}. The balance after that payment was {$13000.00}. I called customer service and was automatically routed to the recovery department. After authorizing them to remove a " Cease and Desist '' order to communicate with me, They claim to have received a letter on XX/XX/XXXX ( from a firm that I employ to do all my bookkeeping and tax work ) requesting a " cease and desist '' of all communication between Citibank and me, and to close the account. Inexplicably, the account was closed on XX/XX/XXXX, ( the day following the last payment ) 6 months after this letter is alleged to have arrived The firm in question, XXXX XXXX XXXX has flatly denied ever sending any such letter, reminding me that they are not authorized to speak to Citibank or make any changes to the account. The Citibank rep was not able to produce a copy of the letter or to provide a name of an individual who authored it. They referred me the collection agency Citibank has engaged to work out a payment plan. Again, the account has never been in arrears and timely monthly payments have been made and posted to the account each month. The Citibank rep confirmed the balance on the account is now {$17000.00}. I have not made any charges since the last payment was made. The credit limit on the card is {$17000.00}. I, nor anyone on my behalf ever authorized or requested a cease and desist of communication or that the account be closed. I am in the process of obtaining digital copies of all recent statements and payment activity.

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 2023-03-05
Company: BlueChip Financial
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Ive paid what Ive borrowed. I currently cant pay anything else. The payments arent even to cover the principal only the outrageous interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
see the ftc for the FCRA violations names not mine and accounts attached to the names please remove it : you cant have no creditor how fair is that I owe money to Ghost!!! 


see attachments for proof of all claims : and unknown payment history for accounts paid? why?

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 2020-05-24
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My complain is about my account been blocked. 
I am facing challenges with my bitcoin wallet. 
I accidentally sent bitcoin to a wrong address. 
The company this complain is about coin base. 
The us coinbase are the people involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX  XXXX XXXX  XXXX and I do not have a contract with MIDLAND CREDIT MANAGEM  plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
I discovered Bank of America reported my mortgage account as closed, in a derogatory status and that no payments have been made since XXXX of 2015, all of which is incorrect. Despite multiple calls to BoA and multiple promises that this would be corrected, BoA refuses to correct the information or update my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
The Georgia Goprogram card there is no way of reaching customer service. The number does not give you an option for customer service or to transfer your balance the number is XXXX. The website does not give you an option to transfer your balance either. I would like to transfer my balance to my regular account and close this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: United Collection Bureau, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX, in regards to an overdraft with XXXX XXXX XXXX, XXXX, Kentucky, XXXX, for the amount of {$300.00}, stating that if I pay within 40 days of the initial contact, I could settle for the amount of {$240.00}. I was not able to pay that amount within the time period allotted me, so I had to wait until I received my Tax Refund as my son and I live below poverty guidelines for the State of Kentucky, as I earn low wages. On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX, that my account was credited the {$300.00}, as I was able to pay the debt off for XXXX XXXX XXXX, and did so over the phone, and the letter states that XXXX XXXX notified their client that the debt was in fact settled and paid off. 

Not long after I paid off the debt with XXXX, I began receiving letters from another collection agency, called United Collection Bureau , INC.,  XXXX XXXX XXXX, XXXX, Ohio, XXXX, demanding I pay {$650.00}, and this letter was also sent on behalf of XXXX XXXX XXXX, but I could settle for {$260.00}. I did not owe XXXX XXXX XXXX anymore money, as XXXX XXXX XXXX closed my checking and savings accounts, due to the overdraft, and sending the initial bill of XXXX to XXXX XXXX. I have received three harassing letters from United Collection Bureau. The last letter was on XX/XX/XXXX. 

Recently I began getting harassed by another XXXX XXXX, XXXX : XXXX XXXX XXXX, XXXX XXXX, XXXX, Ohio, XXXX, stating they are reaching out again, on behalf of XXXX XXXX XXXX, to collect the same amount as United Collection Bureau, {$650.00}, and I have been receiving harassing phone calls from XXXX since last week, from two different numbers : XXXX ( XXXX ) XXXX ; XXXX ( XXXX ) XXXX. They call and try to get me to verify my name, and my address, which I refuse to do. 

So, either XXXX XXXX XXXX has a dishonest employee, that sold my information to these collection agencies, or XXXX XXXX has sold my information. It looks like United Collection Bureau and XXXX are the same company, or UCB decided to sell my information to XXXX. I believe this has been a scheme that either began with XXXX XXXX XXXX or XXXX XXXX. 

I am extremely stressed as an older single mother, XXXX as of XX/XX/XXXX, of a XXXX year old son, we don't have a tremendous amount of money. I do have proof in my other bank account, plus the letter from XXXX XXXX that I paid my debt in full to XXXX XXXX XXXX XX/XX/XXXX. 

Thank you, 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 2020-05-23
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I called experian to dispute some items on my report, i stated to XXXX the repersentive that I only want one name one address and one phone number on my credit, XXXX stated that she would not dispute them or remove them that she would change them all to the correct name I stated to XXXX under the credit guidelines I am entitled to have only one name etc ... on my credit if it is correct.

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 2020-09-08
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have reached out to discover already. I got a email once I filed the complaint with u the first time. They said the were going to remove it from my credit report but they never did. And as stated to the credit bureaus. Discover practice unethical measures with reporting negative info on consumers files. I filled a police report & identity theft report with the FTC so this account could be blocked from my credit per section 605B of the FCRA. It gets removed then they come back and says we have identifying info for the account so XXXX puts it back on. However when u ask for proof of yr signature or u applied .They never provide any. & XXXX is letting this happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: WI
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
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: Information belongs to someone else

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. I sent the letters to 3 credit bureaus the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. that means the 3 credit bureaus has NOT complied with the Fair Credit Reporting Act Law. REMOVE OR BLOCK THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
XXXX XXXX XXXX XXXX did a hard inquiry on my credit report When I did not ever applied for 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 2018-09-21
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Experian has failed to provide me with the information the company is using to verify the information that is being reported on my credit report is accurate. Experian has not responded to my request for information pertaining to the validity of the debt they are reporting to creditors on my behalf. Experian has placed a fraud alert on my report that I do not agree with or authorized. I have requested it removed in writing as well as per a telephone call yet the statement remains on my report despite my numerous efforts to have it removed. I have have sent numerous requests over the the past year for this company to provide only accurate information and I have been met with delay after delay and in many instances when I have sent request via mail I have received no response to my request or a response that has nothing to do with my specific request for specific information. Experian has indicated they have investigated the account and re-investigated it but has not provided me with any info on their investigation and has sent me a letter stating they will not re-investigate the information on my report,, but they have NOT sent me anything that supports their decision to have the account information on my report. I have sent the company a certified letter and a copy of the letter obtained directly from the bankruptcy court that indicates they have NOT provided them with the information they are reporting. EXPERIAN has failed to adhere to FCRA guidelines and provide me with the information requested in the time frame allotted per FCRA guidelines established via US government Some of the document numbers that I have sent in are # XXXX EXPERIAN IS ALSO REPORTING A FRAUD STATEMENT THAT i REQUESTED THEM NOT OT DUE THE FACT THAT IT CONTAINS PHONE NUMBERS THAT THE INDIVIDUALS THAT HAVE ACCESS TO MY IDENTITY ARE AWARE OF ... I DO NOT WANT THESE PHONE NUMBERS LISTED ON MY REPORT OR AS PART OF MY CREDIT STATEMENT. THIS IS NOT A STATEMENT FORM ME AND IT IS NOT ACCURATE AND I WANT THIS COMPANY TO CEASE AND DESIST USING THE STATEMENT AND STOP GIVING THE INFORMATION TO OTHER AGENCIES AS WELL.

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