BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 been taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me XXXX XXXX, this is called defamation of character. I can't get a job. I can't apply for credit. I can't even get a sba loan or anything like that due to the pandemic under this crisis you have hurt my ability to obtain credit. I want all negative items removed or deleted from my credit report because you are in direct violation of the FCRA.

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 2022-01-17
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Consumer Protection Financial Bureau From : XXXX XXXX Hello, my name is XXXX XXXX a New Jersey Resident. About a month ago, I met a girl on what app and we developed a friendship. After time she told me she invests and encouraged me to invest in cryptocurrency. First, I had to get both the coinbase app and the coinbase wallet app. I then was influenced to wire XXXX dollars and trade with her guidance .Unexpectedly we made a profit and I was now caught up. Next I invested via coinbase wallet trading XXXX XXXX more ( XXXX ). Profit again, so thus with no caution invested another XXXX thinking it was safe. ( XX/XX/21 ) Again, I traded with her and I made more profit. 
The bank associated with coinbase is : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX CA XXXXThe scammer contacts me every day and evening and we go over trades and have small talk. I had mentioned early on that I needed at least my principle by the first week and XXXX and she agreed to it. Well, last night we tried to withdraw funds but I was informed I have to pay an exchange tax of XXXX in order for coinbase wallet to let me withdraw funds. I was told to wire the XXXX to coinbase first, and once the tax is paid I can retrieve the funds of XXXX dollars. 
At this point, I dont have the XXXX to retrieve the funds, and if I could get a loan, not sure if I want to send another dime, since everyone I talk to thins this is a scam. And I keep her thinking I have more money so I can maintain contact if anyone really can trace/locate the source.This has been going on since XX/XX/XXXX and my last contact was today.Rigth now, XXXX  ( fake or mirror site ) is holding my funds threatening to freeze them for one to three years/ https : www.coinegg.vip ( this is the website ) XXXX XXXX is her numbers ( if real ) NOW CHANGED TO XXXX and XXXX XXXX XXXX XXXX Please assist. This is an illegal scam, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX I HAVE CONTACTED FBI, SEC, LOCAL POLICE, AARP AND OTHERS. 
I am still in daily contact with the scammer daily and she tries to get me to pay the takes or else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX sent me a letter to settle my account ending in XXXX for {$790.00}. In XX/XX/2022, I contacted the company and remitted payment for this account to settle it. XXXX representative said that the account would be reported as settled for less than the amount due and I would receive a cancellation of debt. 

This account is inaccurately showing up on my credit report as still having a balance. I contacted the company today and was met with rude customer service. The representative told me to contact the credit bureaus to resolve my issue which is violating my rights under consumer protection laws and FCRA. The account is adversely impacting my credit due to the deceit and fraud from the representatives.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-01
Company: Experian Information Solutions Inc.
State: VA
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:
credit reporting agency will not update my XXXX  XXXX XXXX card as paid off

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 2020-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 REVIEWED MY CREDIT REPORT AND FOUND SOME NEGATIVE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ABSOLUTELY NO IDEA AS TO HOW MY PERSONAL INFORMATION WAS OBTAINED BY WHOMEVER THE INDIVIDUAL IS WHO HAVE DONE THIS DAMAGE TO MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. THIS SITUATION IS BEYOND MY CONTROL AND I AM TRYING THE BEST WAY THAT I CAN TO GET IT RESOLVED. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE NEGATIVE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO 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 explanation
Consumer complaint received 2019-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have disputed with TransUnion over 15 times about a negative XXXX XXXX dealer services that's on my credit report in every dispute I requested a reading sign contract with my signature on they have failed to produce the original signed contract I don't understand why they keep violating my rights under there Fair credit reporting act I want this account deleted ASAP do to them violating my rights and the Fair reporting act

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 2018-01-08
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
On Saturday, XX/XX/XXXX, I received a summons to appear in court along with my XXXX year old son. ( See attachment ) I am XXXX years old and retired and my wife is XXXX years old and also retired. My sole source of income is my XXXX pension and a reduced pension from Social Security, reduced because of the Windfall Elimination Provision ( WEP ) This summons that I received involves a student loan that my son took out when he was a student @ XXXX XXXX University and I co-signed the loan application. That was back in XXXX and the lender at that time was XXXX XXXX XXXX My son had been paying on this loan in the amount of {$150.00} per month until XXXX XXXX XXXX XXXX informed him that his payments would double to over {$300.00} per month and they refused to work with him to lower the monthly payments. Since that time, my son was injured at his workplace on XXXX XXXX, XXXX and has been unable to work. He has already had one XXXX XXXX and needs a second XXXX. His sole source of income is XXXX XXXX through his employers insurance company and is 50 % of what his full time pay had been. 
Meanwhile, XXXX XXXX XXXX. either sold his loan to XXXX, XXXX XXXX XXXX or retained them to sue both me and my son for the outstanding balance, which they claim is {$11000.00}. I do n't feel that either me or my son are being treated fairly by either the lending institution or XXXX, XXXX XXXX XXXX in taking us to court considering the overall circumstances. From what I have been able to learn about XXXX, XXXX XXXX XXXX, they appear to be a predatory collection agency who routinely take people to court to attempt to collect debts that they are not entitled to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 discovered the following inconsistencies in my Personal Information, and I would like to have all of the false and misleading information removed from my credit report. These inaccuracies have harmed my creditworthiness and limited my ability to obtain fresh credit, and I have been contesting them for a long period. 
I've made a list of the details on my personal information that is falsely reported and that must be removed immediately. 
Name : I do not have any other names or aliases required, and I do not want any other names or aliases to be kept or disclosed. 
Address : I do not have any additional current addresses, and I do not want other addresses to be kept or disclosed. 
Birthday : I do not have any other dates of birth that are required, and I do not want any other dates of birth to be kept or disclosed. 
Employers : I do not work for these employers listed and I don't want them to be kept or reported.

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 2019-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 paid a prior debt with XXXX XXXX to a collection agency. My paid a settlement to clear the account after a horrible car accident which left me horribly XXXX. The account was settled in XXXX. Debt appeared on my credit report in XXXX. Called XXXX  XXXX/XXXX XXXX and collector refused to give him name, told me a lawyer was trying to sue me and refused to give me information to send my paid letter. XXXX complaint filed in XX/XX/XXXX. Company claimed they would look into the issue and call me. They never contacted me whatsoever. I have mailed 4 copies of my paid letter to XXXX XXXX billing dispute address in Ohio. I have disputed multiple times with reporting agencies. The debt I paid HAS NOT ONCE BEEN UPDATED TO SHOW PAID SETTLEMENT AND HAS NOT BEEN REMOVED. I feel I am being SCAMMED.

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 2018-01-07
Company: EQUIFAX, INC.
State: VA
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:
To whom it may concern, I try to access a free credit report through this website that advertise that I would be able to obtain my credit score without any cost : XXXX I feel that the credit reporting agencies deceive the user in that once you submit your information and then click to see the credit score Im prompted by their system in that I must pay in order to purchase my free report? I feel this is very unfair and is deceiving. 

Furthermore, the site is so complex and unclear that it is not possible to view the simple task of showing the credit score. 

Thank you for your help! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To whom it may concern : My name is XXXX XXXX ATTENTION CFPB : The Consumer Financial Protection Bureau is a 21st century agency that implements and enforces Federal consumer financial law and ensures that markets for consumer financial products are fair, transparent, and competitive. 


Incomplete and Inaccurate information being reported by XXXX XXXX EXPERIAN : Sometimes when your car is repossessed the original creditor sells the car for less than the amount remaining on your loan which is called the deficiency. The CRA 's are reporting this information as " accurate ''. This is NOT in fact " accurate '' information if XXXX failed to do the following : XXXX failed to comply with UCC : Under the laws of the State of California UCC 9.506 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

XXXX DID NOT provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 

The company also did not comply within 14 day from receipt of notice of the alleged claim which is now considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA and shall be removed. 

I also reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies.

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 2017-07-28
Company: Real Time Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The dept is past the statue of limitations. The Collection Agency Real-Time Collections and the original creditor XXXX XXXX XXXX has the incorrect date of delinquent and payment default. I 've contacted all parties ( in writing ) in XXXX and XXXX.. most recently on XXXX including the Credit Bureaus XXXX and XXXX  with the correct date of payment default which is XXXX. No one will acknowledge or provide me with proof, just keeps stating the dates on file are correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
XXXX states that I still owe a debt - and still shows a derogatory status on my credit report when in fact they issued me a XXXX that I filed with my 2016 tax return which was then considered as income to me and I had to pay taxes on it. They have already written the debt off as a profit and loss and I have already paid taxes on whats considered income because of the XXXX. 

I have tried to resolve this matter directly with XXXX, Transunion, XXXX & XXXX. No one will remove this inaccurate information form my credit report.

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 2022-01-17
Company: World Omni Financial Corp.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Toyota has been reporting this charge off/Repossession on my Credit report since XX/XX/XXXX. 

I have sent Toyota several letters for verification of Debt. Last one sent on XX/XX/XXXX. The response I received stated there is no account found with the information given or my account has been found Frivolous. 

Toyota has Re-Aged this account Toyota states this Account was opened on XX/XX/XXXX Toyota states this Account was Charged off on XX/XX/XXXX, Payment history reported by Toyota to XXXX XXXX as of XX/XX/XXXX XXXX reported Charge Off as of XX/XX/XXXX to XXXX XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX to XX/XX/XXXX, XX/XX/XXXX Last payment date : XX/XX/XXXX Payment history reported by Toyota to XXXX Toyota states this Account was opened on XX/XX/XXXX Last activity : XX/XX/XXXX Dated Reported XX/XX/XXXX Last Payment XX/XX/XXXX High Balance {$23000.00} Payment history reported by Toyota to XXXX Toyota states this Account was opened on XX/XX/XXXX Last activity : None Dated Reported XX/XX/XXXX Last Payment XX/XX/XXXX High Balance {$7000.00} Toyota has continued to re-Age this account and report Major Inaccuracies. 
I am requesting that this account be deleted from my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-01
Company: Experian Information Solutions 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:
I recently sent a letter to Experian. I am attaching a copy of the letter I sent to Experian. In the letter, I asked them to investigate inaccurate accounts on my credit report. They were supposed to respond with the results within thirty days, but they have not.

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 2018-01-07
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
HHGregg sold a defective, incomplete XXXX dishwasher. Id tried my best to resolve this issue to no avail. As a consumer, I cooperated and made every possible effort with the store where I bought this appliance. Then, HHGregg when bankruptcy. 
Since then, they first ignored my complaint with the XXXX Consumer Service Department ; later they have tried to shield themselves with the 30 days returning policy technicality, which is absolutely unfounded as explained in the chronology enclosed. 
I am XXXX years old, XXXX since 2003 and within my limitations and income- I have jealously complied and protected my credit. Even with this same bank SYNCHRONY, I have several other credit cards and never a single issue. 
I need your assistance in this matter. I want to avoid expending {$170.00} in filing a Small Claim Court. I  lived on a strict limited income of a XXXX check from my retirement. 
Your support in highly appreciated!

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 monetary relief
Consumer complaint received 2019-05-01
Company: Experian Information Solutions Inc.
State: VA
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:
credit reporting agency has not removed the TWO unauthorized inquiries from my credit report FROM 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 2019-09-20
Company: BARCLAYS BANK DELAWARE
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 tried to get a visa rewards card and was told my credit score was not good. I want to know what creditor has brought my credit score down. I never had any trouble in the past getting a credit card.

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 2019-09-20
Company: CITIBANK, N.A.
State: NY
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: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/2019. I disputed 2 charges on my XXXX credit card. 
( 1 ) {$1300.00} & ( 1 ) XXXX. 

A conditional credit was issued to my card on XX/XX/2019 ( see statement # 1 attached ) on XX/XX/2019 the conditional credit was reversed by CITI bank after merchant responded. ( see statement # 2 attached ) I contacted Citi bank again, very frustrated was not happy with the way Citi bank handles my case. 

I submitted document to Citi my resort reservation was cancelled. Since it was booked thru third party. XXXX  ( third party ) does not want to refund the money. 
Where the contract clearly reads administrative fee are non refundable. I agreed to pay the administrative fee only. ( see attached ) XXXX XX/XX/XXXX, Citi bank debit/ charge my card again for ( 1 ) of the conditional credit that was already reversed.

I have made several phone calls. I still waiting for Citi bank to credit my card back for {$1300.00} for duplicate charge for conditional credit ( see statement # 3 ). I need help resolving this.

I am also attaching 2 screens shots showing ( 1 ) of the charges was settled in the merchant favor ( 1 ) of the charges was settled in my favor 3rd duplicate charge I need the credit back to my card

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