BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XX/XX/2020 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to XXXX, Transition, and XXXX. 


I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard from these companies.

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 2023-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Fraudulent Accounts and Inquries appearing on 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 non-monetary relief
Consumer complaint received 2021-11-29
Company: EQUIFAX, 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:
I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( XXXX ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( XXXX ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: CBC Credit Services, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX or XXXX XXXX XXXX contacts me multiple times a week about a medical debt. I have made payment s as often as I could and eventually pay th bill off. I gav cask d repeatedly to only contact me via mail. So inst ad they contacts my parents house. The man that calls is rude and hateful. I get st least five calls a week. I want it to stop!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Experian Information Solutions Inc.
State: AR
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:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the reporting of inquiries that I have attached to the complaint.

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 2018-03-14
Company: Credit Management Services, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
RECEIVED COURT SUMMONS FROM XXXX XXXX XXXX REGARDING ALLEGED DEBT, NOT VERIFIED FROM XXXX XXXX XXXX, SUMMONS LETTER WAS SENT TO PLACE WE HAVE NOT LIVED AT FOR OVER 3 YEARS NOT TO XXXX XXXX WHERE WE RECEIVE MAIL

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX if 2018 I was admitted into the hospital and diagnosed with XXXX XXXX XXXX. I was on life support twice and XXXX XXXX XXXX XXXX XXXX XXXX. While the company may have sent out letters I did not receive them due to being hospitalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
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: Their investigation did not fix an error on your report

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNKNOWN ACCOUNT XXXX UNKNOWN ACCOUNT XXXX UNKNOWN ACCOUNT XXXX UNKNOWN ACCOUNT XXXX XXXX XXXX UNAUTHORIZED INQUIRIES PLEASE DELETE!!! 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-03-29
Company: Coinbase, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Coinbase suspended my Coinbase Debit card ( ending XXXX ) claiming that the card terms were violated. I used this card solely to pay bills in XXXX and XXXX XXXX banks, and that is not in violation of the card terms. I contacted the Coinbase support and they said they can not unsuspend/reactivate the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX Account ending in XXXX was paid in full over a year ago. 

The available credit should show {$7000.00} and amount of debt {$0.00}. 

I have disputed this several times with XXXX, XXXX and TransUnion and these inept companies fail to correct the issue even though I have disputed with them multiple times. 

This is negatively affecting my score. They have surpassed the 45 day investigation period under FCRA since they have continue to report incorrectly. 

Below is what they show : Account info Account name XXXX XXXX XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX2017 Status Open/Never late. 
Status updated XX/XX/XXXX2020 Balance {$2300.00} Balance updated XX/XX/XXXX Recent payment $ 180 Monthly payment {$0.00} Credit limit {$7000.00} Highest balance {$7000.00} Terms NA

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 2019-06-12
Company: BlueChip Financial
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Applied for a payday loan, with a 460 % interest rate. I received {$800.00} and have paid back {$840.00}. Due to the additional monies, felt already taken advantage of, have fallen short on my home. Please help The interest rate is not in line with the State of Colorado Attorneys Office and was told that this interest rate was illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: CITIBANK, N.A.
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: Old information reappears or never goes away

Complaint:
I have been going back and forth with the credit bureaus about an account reporting on my credit report. It is for CITI Bank Credit Cards. I PAID FOR A DELETION and they are still reflecting on all 3 reports. They have it displayed as a Chargeoff/Collection/Settled for less than owed and that is not fair because I paid them to delete it off my credit reports entirely. They are reporting unfairly and incorrectly and it is an error they are reporting at all. I also want to submit a complaint against XXXX XXXX because they are reporting a late payment for 5 years ago in XX/XX/XXXX and they will not give me proof to verify this and do not respond to my written communication. Lastly, my last complaint I would like to submit is against XXXX  because XXXX is reporting 2 " XXXX  XXXX XXXX '' inquiries in XX/XX/XXXX without my permission! XXXX  won't provide me with any information regarding these inquiries and I would like to report 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 2020-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was aware of this fraud account on my credit XXXX of 2019. I am not aware of where it came from or who used my information. Since XX/XX/ 2019, I have been trying to get this account removed off of my credit.

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 2020-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
back in may I experienced financial difficulties due to covid 19. I reached out to Capital one and they deferred two payments and told me I would not have to pay again until XXXX. But ever since XXXX i have received threatening calls, emails and when I look online it says my payment is missed etc. I was told and it is documented that late fees would be removed there would not be a past due or due amount for XXXX, XXXX, and that I would have a minimum due again in XXXX. But the website says something different. I reached out to customer support and they were not of any help. I don't need this to reflect or impact me negatively.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-09
Company: Experian Information Solutions 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Date opened : XX/XX/2021 Balance : {$4100.00} ; XXXX XXXX XXXX XXXX Date opened : XX/XX/2021 Balance : {$520.00} ; XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX  ) Balance : {$620.00} ; XXXX XXXX XXXX Opened : XXXX XXXX, XXXX  Balance : {$710.00} ; XXXX XXXX XXXX  Inquiry XXXX XXXX XXXX, XXXX  ; XXXXXXXX XXXX XXXX Inquired on 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 explanation
Consumer complaint received 2018-03-16
Company: Ocwen Financial Corporation
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I am XXXX XXXX. My property at XXXX XXXX XXXX, XXXX XXXX, Arkansas is being attempted, to be foreclosed on by Ocwen Loan Servicing, LLC.  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, FL XXXX. The alleged account number is XXXX, I own this property outright and is in my possession. There is not anything owed on it. I was given an IRS XXXX form for settlement in 2016 ( see attached ). Ocwen XXXX XXXX, XXXX. is harassing me by calls, letters, and statements, etc ( see attached ). for approximately 2 years on paying a debt which does not exist. Also, Ocwen Loan Servicing LLC.has not released any property liens. I request they release these liens because property is paid off ( no balance remaining ). My contact number is XXXX XXXX XXXX please send all correspondence to XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, Arkansas XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
American Express Platinum card had an introductory offer of spend {$5000.00} and get XX/XX/XXXX points.

I signed up for this offer and the credit card was approved. When applying or after my application was approved, even after having called the customer support team, I was told that my points were on its way and usually I have to wait it out for 3 - 4 months. ( I spoke to 3 to 4 representative who told me to keep on spending with the card ) 7 months into opening the account, today, I was told that the offer is no longer valid and they would not honor the promotion that was promised to me in XXXX, 2018. The companies, representatives lied to my face and are now denying the offer. 

This is not a correct business practice as I was cheated into spending more with the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
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:
DELETE THESE FOLLOWING INQUIRIES .... 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

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 2020-09-15
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Re : Account number XXXX This letter is sent in response to [ a  letter/phone call ] I received on [ XXXX ]. I am requesting that you provide verification of this debt. 

Please send the following information : The name and address of the original creditor, the account number, and the amount owed. 

Verification that there is a valid basis for claiming I am required to pay the current amount owed. 

Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 

Please also note whether this debt is within the statute of limitations and how that was determined. 

Please verify original contract with my signature Also verify original creditor account number Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: Remitly, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Remitly XXXX XX/XX/XXXX, send by app to XXXX XXXX US {$100.00} I never arrive. 
On day XXXX  call to cancel that transaction. 
On the XXXX and XXXX call to inquire about the cancellation and the return of my money. They do not explain anything On XX/XX/XXXX, they take from my checking account the amount of USXXXX without authorization. 
They do not explain the why of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/20 sent certified letter XXXX to Caine and Weiner requesting deletion for the account they are reporting with XXXX. I have never received any documentation to support that any such debt is owed. Additionally, this account reflects that it is over the 7 year statute reporting period and can no longer be legally reported. 
it is unknown if Caine & Weiner even had the legal authority of such alleged account. furthermore I currently have insurance with XXXX so no old debt would be outstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: Receivables Management Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On or about XX/XX/XXXX, I noticed on my 3 credit reports that a debt that was included in a bankruptcy CH XXXX ) was being reported on the 3 bureaus. I reached out to the company Receivables Management concerning this, asking for them to validation this was indeed my debt and requiring them to provide me competent evidence bearing my signature showing that I have or ( ever had ) some contractual obligation to pay them. They responded by sending me a copy of a bill, with out my signature or any evidence linking this to me. I watched my credit reports to see if per Federal and State Laws they commented that this account was in dispute within 30 days of them being notified ( they did not ). I then sent them another letter advising them of this on XX/XX/XXXX and again on XX/XX/XXXX no response as of this date,

Company response to consumer: Closed with explanation