BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-01
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: Investigation took more than 30 days

Complaint:
I have an entry on my credit file which doesn't belong to me with Equifax for a closed account with a high credit of {$2600.00}, opened on XX/XX/XXXX being reported by Dept of Ed/XXXX  ( account number XXXX ) on XX/XX/XXXX. I sent a dispute letter on XX/XX/XXXX challenging the accuracy, compliance and reportability of this entry. Equifax and Dept of Ed/XXXX has failed to provide me with copies of any documentation associated with this account, bearing my signature within the 30 days allotted to complete an investigation plus the extended 15-day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
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 got many inquiries from unknown company to how up on my credit report and I would like them to be deleted asap! 

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 2023-03-06
Company: Mr. Cooper Group Inc.
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I sent checks to mr.cooper, because they turned off the auto pay on the account. They cashed my checks, but didn't apply the funds to my account. I have called numerous times with people telling me they don't know what I'm talking about. I have sent emails with pictures of the checks, but have got no response from them. At this point I don't know what to do. They are taking my money, but saying I'm not making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX, 2019 I sent a certified letter to Transunion, XXXX and XXXX  informing them that there were 2 accounts on my reports listed by XXXX XXXX. Neither of these accounts are mine. I have called the original creditor and the info wasnt a match for me. I have never lived where they had these 2 accounts. These accounts need to be removed as they have kept me from getting a car loan. I have called the credit reporting companies and get the run around I have been sending letters for 5 months.

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 2021-02-02
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Please provide with proper validation on this accounts and who owns it .cause ima XXXX it send all responses in writing thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: Unifin Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company calls me every day. They're normal tactic is simply to hang up after I answer the phone, but occasionally they ask me to verify very personal information : last 4 of my SS #, date of birth, and others. They refuse to identify themselves or provide any information about their company unless you verify this personal info. They have even begun calling my wife 's mobile phone number. 

I have asked them on numerous occasions to stop calling me. Usually at that point, they hang up on me, but they have in the past agreed to stop calling me. They have not stopped calling me. 

Today, ( XX/XX/2018 ) I called them back ( after they hung up on me ), and I was assured by a " XXXX '' that they would not call me again. She would not provide her last name or her date of birth or the last 4 digits of her SS # for some reason. XXXX told me the name of her company was Unifin , Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: ORG GC GP Buyer, LLC
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX HAS SOLD THIS FRAUDULENT DEBT TO XXXX   XXXX/XXXX XXXX ETC.. AND ARE ALL REPORTING ON MY CREDIT REPORTS. CEASE AND DESIST COLLECTION EFFORTS..AND CEASE COMMUNICATIONS WITH MY DAD AND FAMILY MEMEBERS.ALL PARTIES TO BE SUED IN CLASS ACTION SHOULD THEY FAIL TO PAID ME {$27000.00} IN DAMAGES..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/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 2020-07-23
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National credit system Inc, XXXX  XX/XX/XXXX amount {$10000.00} I have reached out to the company XX/XX/XXXX and disputed XXXXwith XXXX  they closed the dispute without providing accurate documentation proving I was the owner of that debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Capital One denied a claim for the amount of {$67.00} when the transaction is invalid! I never received the item there was no signature so there was no proof that maybe there was something wrong with the courier. Thankfully I closed the account, so I do not owe capital one any money and I don't care if they try to collect! I am on XXXX XXXX XXXX and I am judgment-proof!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with The United States Bankruptcy Court and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Sent one month ago to no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: CITIBANK, N.A.
State: IL
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:
Back in XXXX I had some fraud on my stolen card at the time I owed XXXX the part that was mine they told me to pay so I did they told me what was left the XXXX they would put in fraud shut the card and issue a new one. The whole time I thought everything was in control on the new card if I purchased something I would pay everything but the XXXX I get a call several months later with a bill over XXXX because they have been reporting my card late and charged late charges. Talked to a XXXX first she said she would clear everything never did. I talked to a XXXX he took off all late charges but never fixed the XXXX and then said I had to resend for the 5 th time what I dispute I called him back 12 times no one calls back. I am on a automatic call from 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 2020-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
credit reporting agencies refuse to properly report accurate credit history and they are very aware of it FICO 8 CODES FOR EQUATION OF SCORE ARE MISSING GOING BACK OVER 15 YEARS OF CREDIT HISTORY NOW IT SHOWS INSUFFICIENT CREDIT HISTORY. 

ON ALL THREE BUREAUS AND TRANSUNION HAS NOT RESPONDED WITH UPDATES EITHER

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

Complaint:
Coinbase does not offer 1099 forms to report mandatory cryptocurrency transactions to the IRS. I'm not an accountant, so calculating gains and losses is almost impossible for me. Coinbase is forcing their customers to pay money to a third party to have the gains and losses calculated. I shouldn't have to pay for a company to calculate my gains and losses.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: PMAB,LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I called PMAB LLC to ask for verification on an alleged debt they claim i owe. The first representive was very rude said she been there five years and said this is what she does. I asked if the calls were being recorded she said always. The fact you will allow ride people to adress consumers in that manner is baffling. You would not want consumers calling you on that tone. I asked how did you verify the account was mine. She said because we have an itemized statement saying so. Excuse me? Just an itemized statement? That's how you verify an account belongs to somebody? So i was transfered to a supervisor by the name of XXXX XXXX and she said said the same thing. They just collect a debt. Well if you are collection a debt, you should have contact info for the company you are collecting for. She said they don't have that. Then how exactly are you verifying the information given to you? Sounds like fraud The representive already said she had multiple XXXX XXXX in her files. Well how are you 100 % sure it's mines?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: EQUIFAX, INC.
State: IL
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: Problem with personal statement of dispute

Complaint:
I contact company under FDCPA requesting copy of credit appl and loan or repayment agreement. They continue to fail to produce these documents yet they also refuse to remove the illegal debt form credit agency 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: Siwell Inc
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Dear Sirs, I was offered forbearance for the Months of XXXX, XXXX and XXXX and since XXXX I have been emailing them asking to receive information so I can resume payments without penalties. Capital Mortgage Services of Texas was going to send me a contract at the end of the Forbearance period instead I received on XX/XX/XXXX ( Statement Date ) a Total amount of XXXX ( ( 3 months worth of payments ) plus accrued late charges and total fees and charges. 
This people are using indecent malpractice business strategies to take advantage of their customers hardships due to COvid-19. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
On XXXX XXXX I prepaid for a rental at XXXX XXXX for {$140.00} & I wasnt aware that I did not have my debit card on me. I called USAA for assistance and the Representative carelessly closes both of my Debit cards and she was only to do one. A few months later USAA took $ XXXXp from my account and when I called to find out why this happens it was told to me that I waa supposed to do a Dispute for this amount by XXXX and because I didnt think I'd needed to do it because of a fault of their Representative I'd expressed this but nonetheless I'd submitted a Dispute. For weeks I did not receive feedback on the refunded amount and again I wrote another Dispute letter and speaking to the CEO assistant of the matter which again no action was taken. 
On XXXX XXXX I'd received a phone call from another CEO assistants and was told that the second Dispute letter was " not good enough '' & I should explain further to which I should be refunded my money. Again i wrote another Dispute letter and i have it here uploaded. Today i get a message from my bank messaged to tell me that the Dispute letter was not sufficient enough as I'd explained thoroughly that my payment was prepaid via app and I called the Accounting office to see about the {$140.00} and the Accountant responded to me since I'd prepaid from the app she was not able to see the payment only when I'd arrived to pay for the rental in full. 
It's been over a month and this bank USAA isnt holding themselves in full responsibility of the action of their Representatives fault. And I need some help in getting this resolved so I can my funds rightfully back to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts. Please remove them.

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 2023-01-03
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 reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : 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 2018-05-12
Company: Independent Recovery Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX i went to see XXXX XXXX for XXXX to have XXXXXXXX  removed from my XXXX i signed a formed that stated he would except what ever my insuraance paid him on XX/XX/XXXX i had the XXXX  the dr was paid several times by my insurance XXXX and XXXX XXXX XXXX after further investigation the insurance discovered he was over inflating the bills and not license to do XXXX under XXXX XXXX in his office as there was no safety net in place if something went wrong and refused to pay the dr any more claims. 1 year later XX/XX/XXXX i get a notice from a collection agency INDEPENDENT RECOVERY RESOURCES i then reached out to the company and explained that in these bills there are no payments attached for service and do they really believe a XXXX XXXX cost XXXX and {$240000.00} I went on to explain that my XXXX  was so XXXX that i had to have another XXXX two more times and XXXX XXXX XXXX off my XXXX XXXX   from the mess XXXX XXXX did. There are bills dated for days that i did not see him and bills dated long after I moved out the state of XXXX XXXX i was living in XXXX from XX/XX/XXXX till present I would like to have this case investigated for fraud there are multiple items listed on the same date on 2 differents as 2 different things,

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 2021-02-02
Company: KEYCORP
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I received a promotion to open an account at Key Bank. I opened the account and I was told that if I used the debit card monthly or received ACH deposits the account would be free. I never received my debit card and could not use it to waive the monthly fee. But I did get monthly ACH deposits but was charged a $ XXXX  monthly fee three times, once in XX/XX/2020, XX/XX/2020 and XX/XX/2020. The monthly fee charges stopped in XX/XX/2020. I have contacted Key Bank and they said they will send another debit card. They have not reversed the three $ XXXX  monthly fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
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: Was not notified of investigation status or results

Complaint:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: AmeriCollect
State: MO
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:
The following accounts are not mines and they stopping me from buying a home for my family. I'm respectfully requesting that the following accounts be blocked from my credit report, The accounts are ... Americollect ( XX/XX/XXXX ), and XXXX XXXX XXXX XXXX ( XX/XX/XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
American Express has decreased my credit limit without proper notice. The name/type of credit card has also been changed without notification. ( from XXXX to XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: Experian Information Solutions 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 information incorrect

Complaint:
I have tried to settle this matter with bureaus ... they would not remove, so I contacted creditor ...

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