BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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:
After disputing an inaccuracy on my report, and getting a late payment removed in from an error that occurred in 2019, my credit score increased by XXXX points. Then for no apparent reason, XXXX  days later, it went down XXXX points! The Transunion score is now lower by XXXX points compared to XXXX, and XXXX ( who also uses XXXX ) and there are no differences in the reports in terms of payments or debt. Something seems askew with this score, algorithm or scoring model. 
Transunion was the only reporting agency that had this score reduction. I have contacted customer service at Transunion, which was an abysmal experience and of zero help. Please refer this request to a competent individual within your organization who can investigate the issue in detail. I think its reasonable to expect transparency as to how this score is calculated and an explanation as to why a score would drop after having negative information corrected. 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 non-monetary relief
Consumer complaint received 2018-01-01
Company: BARCLAYS BANK DELAWARE
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: Public record information inaccurate

Complaint:
Most accounts are changed off they need to be taking off also all the unclarified why all those hard hits are on my credit I have not done 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 2017-07-13
Company: PRESTIGE FINANCIAL SERVICES INC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX is advising that they are reporting the information that Prestige Financial is reporting to them. Prestige Financial is stating that they are reporting the correct information. The only credit report that is not reporting the Prestige account correctly is XXXX. The other two bureaus are reporting the account correctly. XXXX is reporting that 10 of my payments as no information. This behavior causes my credit score to be lower. XXXX and Prestige are playing the blame game.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: ROBINHOOD MARKETS INC.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Robinhood will not allow me access to my account. I submitted a selfie and a copy of my ID and they refuse to accept it. You can not call anyone at the company unless you do it through the app and you cant get into app until you get a cleared selfie. I feel like they dont want to release my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: Experian Information Solutions Inc.
State: TX
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:
I called Experian in reference to inquiries that I saw on my report that does not belong to me. As a consumer I have been doing due diligence to watch my credit. They said they would help me with the inquiries. I know as a consumer that each inquiries reflects at least 2 to 5 points from your credit. Experian removed my inquiries in the amount of 20 inquiries yet they did not move my score. I find that the credit bureaus are showing discrimination actings towards XXXX Americans. This is blatant truth because my score stayed at XXXX and has not moved since they took the inquiries off my credit. Im am taking this evidence and filing a lawsuit for discrimination to this consumer.

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 2021-09-20
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as 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. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I filed a letter not long ago addressing accounts that I have disputed and that can be seen in my credit file that are erroneous and inaccurate, and I am quite upset that they are still there. I do not verify such accounts, which is a violation of the Fair Credit Reporting Act 's US Code 1681 Accuracy and Fairness in Credit Reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: NRA Group, LLC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In XX/XX/2016, I ordered a prescription from XXXX XXXX -- -who is the only option with XXXX XXXX XXXX XXXX  . 

I never received the prescription. They refused to replace it without my paying for the full cost of the medication which was approximately 3X the cost I could get the same drug locally. Therefore, I stopped using the mail order and now use only local pharmacies. 

XXXX XXXX continues to try and collect for a service that was never provided. They hired a company called " NRA '' who refuses to provide any information until you provide Name, Phone, Address, which personally I don't like to provide " in the blind '' on a cold call. Even when I verified my name, that wasn't enough. 

They were trying to collect a debt from 2016. They couldn't provide a name or contact on whose behalf they were trying to collect. I cold called XXXX -- -and finally convinced them to write-off the amount and notify NRA .

NRA is rude, interrupts, and calls multiple times even though they say they put you on the " do not contact '' list and mark charge as " disputed ''.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. XXXX XXXX ( XXXX ), it is plainly stated that a failure to investigate these items within XXXXdays gives a reason to immediately remove those items from my credit report it has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2021-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This letter is a formal complaint that you are reporting the reporting agency have violated 15 US Code 1681b As a consumer, I never gave the reporting agency written consent to report anything on 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 2018-06-05
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
AD ASTRA RECOVERY SERVIC XX/XX/2015 3 yrs, 1 mo {$300.00} I have already filed complaint a denying the debt. The debtor has refused to provide any details.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My spouse lost his employment on XX/XX/2019, but returned to work in XX/XX/2019. The loss of employment resulted in a loss of net income of approximately {$7000.00}. As a result, we fell behind on our mortgage payments. 

SPS sent us a Notice of Default Right to Cure ( the " Notice '' ) dated XX/XX/2019. The amount required to cure the arrearage as stated on the Notice is : {$8000.00}. 

However, the amount on the Notice does not agree with the amount due as shown on SPS ' monthly billing statements : Statement dated XX/XX/2019 Payment Due Date XX/XX/2019 Payment Amount : {$3400.00} = Regular Monthly Payment XXXX + Past Unpaid Amount of {$2300.00}. 

Statement dated XX/XX/2019 Payment Due Date XX/XX/2019 Payment Amount : {$4500.00} = Regular Monthly Payment XXXX + Past Unpaid Amount of {$3400.00} Statement dated XX/XX/2019 Payment Due Date XX/XX/2019_Payment Amount : {$5600.00} =Regular Monthly Payment XXXX + Past Unpaid Amount of XXXX Thus, the difference between the amount due as shown on the XX/XX/2019 Billing Statement and the Notice of Default : {$2400.00} ( Note : the Notice does include Escrow Payments IAO 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 2019-01-31
Company: Resurgent Capital Services L.P.
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:
XXXX is not providing proof of reported debt for collection account. I have written and sent certified mail 3x to ask for proof of debt in amount of {$480.00}. 

They are erroneously reporting XXXX/XXXX XXXX  collecting {$480.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: Winklevoss Exchange LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I created my Gemini account on XXXX XXXX, it's been over 3 weeks now and my account still says verification is pending I am able to deposit money but not able to withdraw, I even sent a report to Gemini support on XXXX XXXX  it's been a week now and I still haven't got any response. 

The email address I use to sign up on Gemini is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: EQUIFAX, INC.
State: PA
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 XXXX account there are two XXXX  XXXX accounts showing on my credit report when there is only suppose to be one account not a duplicate account Date open XXXX-13 Amount XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10
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: Account status incorrect

Complaint:
I have exhausted myself at all levels trying to get an inaccurate collections off my credit that is causing me denials for loans. To start, I have only 2 open student loans with, XXXX XXXX. However, I have to complaints that needs to be addressed ; First, XXXX which does not have possession of my loan is still being reported in a derogatory manner and the same loan is now with XXXX too. Creditors are seeing a total of 4 loans when there is only 2 because they have different account numbers. 
I request that XXXX remove the negative information thats being reported because again my loans are with XXXX and in good standings and not due until XXXX 2018. 

Second issue is that XXXX XXXX have a status on my report that says, Student loan assigned to government which my lenders views as a negative situation where as Im in financial trouble with the government and this is so misleading. I want that comment removed and my account showing current as it should.

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 2022-02-12
Company: Specialized Collection Systems, Inc.
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:
I have sent several letters to dispute this item and no response. The first letter sent was a Hipp letter on XXXX and no response or removal. I sent a failure to respond XX/XX/21 no response and it is still on my credit report as of now. The amount of the account is XXXX and still not response on this account that should be removed by now after several attempts.

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 2022-02-12
Company: BROKER 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: Account information incorrect

Complaint:
For the dates of XXXX of XXXX, XX/XX/XXXX and XX/XX/XXXX, by court of law it was stated that I was not responsible for house mortgage payments that are reflecting on my credit score. The monthly missed payments were XXXX grand total of XXXX. Upon stating this to the credit company they stated that they cant do anything for me but to report 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 2022-02-12
Company: FORD MOTOR CREDIT CO.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I LEASED A XXXX XXXX XXXX AND IT WAS SOLD TO XXXX XXXX ON XX/XX/XXXX. THEY INITALLY REPORTED THAT THE PAYMENT WAS LATE BUT IT WAS NOT BUT IN REVIEW OF MY CONTRACT, I SEE THAT I WAS CHARGED FOR A WARRANTY. NOT JUST ONE BUT MULTIPLE. I HAVE BEEN ATTEMPTING TO CONTACT FOR FOR A REFUDN BUT HAVE BEEN UNSUCCEFUL. WHAT A HORRIBLE WAY TO TREAT A CUSTOMER AND THEN TO ADD INJUST TO INSULT, THEY SENT A BILL FOR A LATE FEE FOR XXXX AND THE TRUCK WAS SOLD.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: Statebridge Company
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Statebridge has the worst customer service. An employee from Statebridge called me on Sat, XXXX XXXX, 2017. She said she was calling me to inform me that my HOA ( Homeowner 's Association ) billed them {$980.00}, and that they paid the bill. She told me I will be needed to repay them. I asked " What are you talking about?? '' Why would they bill you? What was it for? '' She said she did n't have that information. I said well get someone who does. She said she could n't do that, and that I would have to get the info from my HOA. I told her that this was a ridiculous phone call! I have had nothing but issues with Statebridge since they acquired my mortgage from XXXX, and that I ca n't wait to get refinance with another company!! So I contacted the President of my board. She contacted the Management Company. They do n't know what my mortgage company is talking about!! I called Statebridge on XXXX XXXX, spoke to XXXX. He listened to my issue and said he would call me back once he spoke to the woman who " knew about this issue ''. That was yesterday, I never heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX A ) XXXX XXXX XXXX ( Original Creditor : 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 2018-06-10
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I meant to purchase XXXX BTC on coinbase.com on the morning of XX/XX/XXXX. However, transactions on coinbase will be pending for 1 week and mine will complete on XX/XX/XXXX. Immediately after the transaction, I realized I purchased XXXX.  I immediately took to the support center to find a way to remedy this situation. It is impossible to speak to a human or get help for anything with coinbase.com. I have submitted a support request, but I then proceeded to read horror stories about many months-long support requests online. I am appalled by the level of service this company provides given the amount of money that is exchanged on this website each day. How can a company like this be so negligent when so much is at stake? How is it not possible to cancel a mistaken transaction while it is still pending, and will not take place until XX/XX/XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I am a PNC bank cust. Another PNC bank customer ( XXXX XXXX ) had a listing for a house for rent. He showed me the house and I signed the lease. He requested I pay him with XXXX since we both had the same bank. I had never used XXXX so I visited a branch nearby and the assistant mgr walked me through it. {$1000.00} on XX/XX/2019 for security and pets and {$700.00} on XX/XX/2019 for 1st month rent. Afterwards the guy stopped returning my calls and through the local police I found out he didnt even own the home and it had been sold. I filed a dispute with PNC because this was fraud and a XXXX  violation but they told me since I initiated the two transactions I was at fault and they would not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: CURO Intermediate Holdings
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: Information belongs to someone else

Complaint:
Im going through my credit report and I saw two debt collections from AD ASTRA RECOVERY SERVIC for {$300.00} each one. When I click on details it says its from a loan company called 12 SPEEDY CASH 7 and that the two accounts were opened on XX/XX/2019 and XX/XX/2019. Both of these accounts show that theyre closed, but stayed in collections currently. Ive never opened two accounts with this company before so Id like to report this as fraud because Ive never gotten a loan before and Ive never intended to get a loan before. Id like to get both of these collections removed from my credit report please. I have already contacted this debt collection company and reported these two accounts as fraud and they told me to file this report to get it removed from my credit report. I will attach two pictures of the company that put me in collections twice for two accounts both of the amount of {$300.00} with different opening dates but created in the same year.

Company response to consumer: Closed with explanation