BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-31
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:
Back in XX/XX/2021, I submitted a request for proof of this bankruptcy on my credit report to all third party agencies.And they were not able to supply proof as to how they retained such information so XXXX XXXX Deleted it from their Database and sent me proof that it was deleted. I sent that proof to all three major credit bureaus that as of XX/XX/2021 it has been removed from they place they claimed they got it their information from so why are they still reporting this lie? XXXX told me and gave me a number for XXXX XXXX to call them and said thats the only way it would be removed from my credit. XXXX XXXX said we dont call credit companies.I want to know how are they investigating something that is no longer in the database? And E Oscar is not a legitimate companyI need this bankruptcy removed for it is defaming my name and credit just remove this obscenity from my credit report all three credit companies it was an error so just remove it from my report instead of making like your disputing it with a real company because again E Oscar is not legit.XXXX removed for. Third party agencies and I never gave no one permission to put nothing on my credit report no how so why be so nasty and trying to defame with this.

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 2017-08-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This was many of the credit cards that were opened without my consent. I was a victim of Identity theft and it 's been a huge problem trying to get everything settled. I called many times and even visited branches for XXXX XXXX, XXXX, and XXXX XXXX to inform them that whatever was opened was not with my consent. Instead of them helping me out and checking what my options were I was told 'They must of got a hold of the information somehow '' and was asked " Are you sure you did n't give out your information? '' I have never opened up any credit cards to avoid this exact reason. Instead of helping me out, I was basically talked down and to ask around if my family members were the one 's that opened up the accounts. Around that time I just turned XXXX years old, I was in school and had no time to open up any credit cards. I need go get this resolved. This company has 4 accounts open. All of which I have attempted to resolve this issue with the companies without any success. I advised them that this was all Identity Theft. XXXX XXXX : {$990.00} XXXX XXXX : {$620.00} XXXX : {$340.00} XXXX  XXXX : {$220.00} Total : {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Hey my name is XXXX XXXX XXXX : I am writing because i have disputed inaccurate information on my credit report with the credit bureaus and they STILL will not remove it from credit report. I understand that they have to remove it if it is inccorrect. Will you please view my file and the information so that it can be corrected. 

XXXX XXXX please remove this because there are two seperate credit limits ( {$1900.00} {$0.00} ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) : please remove this because the balance is INCORRECT XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX THIS IS NOT MY ACCOUNT XXXX   XXXX XXXX please remove this because the date of last activity is inaccorect

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 2021-01-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I made a deposit of {$10000.00} casher 's check XXXX XXXX it did not post until the XXXX and then I proceeded to pay off my credit card. The first problem was they wanted to put the casher 's check on hold until after the XXXX XXXX  so I could pay interest on this twice. They reluctantly took the payment for the credit card. {$6600.00}. Then they double payed the card out of my checking account. This put my account over the limit and cause non sufficient funds penalties. Now my account is frozen and they said the would contact me at their convivence. And then I could ask to have the overcharges reversed and the extra interest with it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: EQUIFAX, INC.
State: FL
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: Problem getting your free annual credit report

Complaint:
I need a copy of my credit report. I have been trying to get it after I was denied credit based on the information Equifax reported. This was last year and still no luck. I have sent all the supporting documents as per their request but no reply from the company. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: Experian Information Solutions Inc.
State: AL
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:
There are a number of inquiries on my credit report from companies I have no knowledge of. I have reached out to the creditors as well as the credit bureau in regards to removing the unauthorized inquiries and I have received no help in resolving the issue. I have a complete list of the inquires that I do not recognize or believe to be mine.

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 2021-07-06
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX and Experian are reporting accounts that were included in a bankruptcy, as " derogatory '', this is a direct violation of FCRA. I sent a dispute letter in XXXX and have not received any response m not even that an investigation has begun. Ive attached copies of all accounts reporting derogatory, including the letter sent. 
Here are the accounts that are inaccurate 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 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 2021-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX, TransUnion and XXXX are reporting accounts that were included in a bankruptcy, as " derogatory '', this is a direct violation of FCRA. I sent a dispute letter in XXXX and have not received any response m not even that an investigation has begun. Ive attached copies of all accounts reporting derogatory, including the letter sent. 
Here are the accounts that are inaccurate : 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 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 2020-08-27
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer 's disputes. Iv'e been given the run a round and need this to be solved. I'm deeply stressed because this is effecting me heavily and as a single father to a XXXX XXXX, I am trying to better my future but this is holding it up. I have been sending letters before this and still no response.

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 2021-07-06
Company: SYNCHRONY FINANCIAL
State: MI
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 respectfully request that the company offices provide me with competent evidence that I have any legal obligation to pay 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 explanation
Consumer complaint received 2018-02-16
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I attempted to pay my monthly mortgage payment of {$1800.00} to SLS by phone today, XX/XX/2018, and the automated service rejected my account number on 5 different calls from me. I then called every number I could find and I got the same recording stating that " our office is closed for a company meeting. Please call back in 30 minutes '' on each different line! I kept trying throughout the afternoon and NEVER got through! 
I have paid my mortgage on time for 13 years and I'm very concerned about this! Today is Friday so that means I can't get through to SLS until Monday, putting me in the penalty zone for late payment.

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 2022-10-05
Company: WELLS FARGO & COMPANY
State: NY
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:
We had our mortgage with Wells and were looking to refinance to a lower rate and 15-year Mortgage. Wells could not match the rate from another provider, so we left. About 2 or 3 weeks ago we received a call from a person from Wells mortgage office, or so they said asking about us refinancing. We said we already did. next thing i know there is a hard inquiry on my credit report form Wells. I never authorized or applied. I am disputing it. But was wondering why Wells would do that.

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 2018-02-16
Company: FIRST NATIONAL BANK OF OMAHA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Re : erroneous item FIRST NATIONAL BANK # XXXX reported by First National Bank to all three credit bureaus. I have repeatedly disputed and requested verification and validation of this inaccurate debt for over two years now. First Natl Bank has responded only with improper verification form letters that provide no backup documentation or proof of this debt being mine. To properly validate a debt by law, a copy of the original contract signed by and obligating me to the debt must be provided to myself. First National Bank has negligently and willfully failed to validate this debt, and is in violation of sections 611 ( a ), 616, and 617 of the FCRA, 15 U.S.C. 1681i ( a ), 1681n, 1681o, subject to a {$1000.00} fine for each instance.

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 2021-07-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good morning, Im writing this letter to figure out how a debt collector can some how open an account that shows up on my credit report for an account that has been closed for years, like 4-5 years. Now Ive tried to dispute it, but says it meets FRCA I have no idea what this means. How can a debt collector just come and make up an account without support. I havent used or even signed up for a XXXX XXXX XXXX since 2016, I currently have no accounts with this company. If I call Portfolio Recovery they then state I recognize that Im referring to the debt and acknowledge it, say what!?! If I call I acknowledge the debt is true, how do I request proof of the account if by calling Im saying it is true.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I would like to dispute the following. 

Address XXXX XXXX XXXX XXXX OH XXXX. I do not recognize this address. 
XXXX XXXX XXXX  Account XXXX I never paid this account late. 
XXXX XXXX XXXX Account XXXX I never paid this account late. 
XXXX Account XXXX I never paid this account late. 
XXXX/XXXX  Account XXXX I never paid this account 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 explanation
Consumer complaint received 2021-07-06
Company: BARCLAYS BANK DELAWARE
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2020-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
The only problem I have had is with XXXX Credit. 

XX/XX/XXXX I signed up for a card at the store - never received the card or any statement from XXXX. After a few weeks I contacted XXXX and the resent card and I subsequently finally received a statement showing late fee. I complained to XXXX and they removed the late fee but never removed the credit report of a late fee.XXXX remains the only adverse account on my report. My credit score dropped 45 points in XXXX as a result. 

I filed a complaint with Trans Union on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In all cases investigation showed Trans union simply accepted XXXX XXXX version disclaiming any responsibility. 

I had a previous issue with XXXX website regarding the failure of their alert system in the billing website. After having that card for 15 years I cancelled the card and did not re-apply until XXXX, XXXX. I have now cancelled the most recent card from XXXX as well. 

I have a significant net worth and have no issues with any other lender but 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 2021-07-06
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Case # XXXX - Complaint # XXXX Hello XXXX, Thanks for filing a Formal Complaint with Coinbase.

The Disputes Team is currently looking into your Complaint and we require some more time to fully investigate and respond to you. Please allow up to 20 business days to fully investigate your complaint and provide you with a Resolution Notice. 
Thanks for your patience, we will provide you with a response as soon as possible. 
Coinbase Support Thank you XXXX Coinbase sent me a email on XX/XX/2021 regarding my unauthorized transaction {$3000.00} wire transfer on XX/XX/2021. Over a month! I havent receive any response from Coinbase.com I was scammed from avatrade platform, stealing money though Coinbase account. They illegally without permission transfer my money from my Coinbase account to another platform! On XX/XX/XXXX, I did report to my Bank, law enforcement and FBI, FTC, FCPB, news station ... I have all the case number can provide if necessary. I think cionbase has a big loophole that allows crooks to use cionbase to steal money and hack into user account transfer money to another platform. I hope Coinbase to stop that and improve security system and return my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
I have written he MO bankruptcy courts about why the credit report agencies are reporting my bankruptcies. I have sent a letter to all three credit bureaus by certified mailed and they recived them on XX/XX/2018. to remove these public records of banrupticies, they have not responded nor removed them from my credit report. I want them removed immediately it is my right.

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 2018-02-16
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
delete the debt, they violated debt collection laws

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 2021-01-05
Company: Experian Information Solutions 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:
I HAVE A FRAUDULENT ACCOUNT REPORTING ON MY CREDIT REPORT FROM XXXX XXXX XXXX. I DON'T RECOGNIZE THIS COMPANY AND I HAVEN'T DONE NAY BUSINESS WITH 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 explanation
Consumer complaint received 2020-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
SOMEONE HAS OPEN SEVERAL ACCOUNTS USING MY SOCIAL SECURITY NUMBER AND ID NUMBER I DID NOT OPEN THESE ACCOUNTS THE ACCOUNTS ARE FRAUD AND I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX XXXX. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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