BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-08
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:
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 Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. I'D REALLY APPRECIATE IT IF YOU UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX UNIVERSITY XXXX  ) XXXX XXXX BANK XXXX XXXX BANK 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 2019-05-07
Company: ENCORE CAPITAL GROUP INC.
State: TX
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 have sent 2 letters to this company to Validate this debt and they have not provided any real proof. All they have provided me was a statement with an account number with no name and no signed contract to prove this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Submitted an online dispute with TransUnion on an account that has been paid in full. However, TransUnion states that the account has been verified at {$470.00} ( XXXX XXXX ). If the account was actually verified, it would show that it was paid off. I also have attempted to do a reinvestigation multiple times with supporting documentation but their web site freezes up and won't allow me to access the web page to do so.

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 2019-04-29
Company: Resurgent Capital Services L.P.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted the following company in XX/XX/2019 through a certified letter explaining that i have never done business with them but they would not cooperate with me, instead they insisted that the debt was mines. I have also contacted the credit bureaus repeatedly and they have refused to give me the results of there investigation. LVNV Funding in the amount of {$1800.00} that is on my XXXX and my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have been approved for Citi Platinum Select World Elite Master Card on XX/XX/XXXX with credit line of {$13000.00} and XXXX miles bonus from XXXX XXXX ( after making {$3000.00} purchase within first 3 month ). 
Promotion is eligible for people who didn't have account for 24 months. 
Because I had accounts with Citi Bank previously, I called the bank on XX/XX/XXXX to check when my last account was closed, so I would know when to apply for a new card. 
I was told that my last card was closed in XX/XX/XXXX. I verified that information few times, explaining to the agent that I need to be sure about that in order to get bonus miles etc. Assuming that it has been 24 months since the last card was closed, I applied for Citi Platinum Select World Elite Master Card on XX/XX/XXXXstatement if using Platinum Elite Master Card. I called the bank and was told that my last account was closed in XX/XX/XXXX, and I am not eligible for XXXX bonus miles, {$200.00} statement credit and any other benefits offered!!!! 
I have been waited for almost 2 years being aware of the Citi Bank policy, and could have been waited for another 2 months!!!! I called the bank prior to applying for, XX/XX/XXXX and was approved. 
I went to pay for my ticket on XXXX and there is a message about {$200.00} card the card and was misinformed by the agent!!!! 
Citi bank should fixed that mess and award my XXXX points and {$200.00} statement 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 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 I sent a letter to transunion about items furnished on my credit report w/o my consent. These items are damaging me as a consumer! I can not succeed in the things as a consumer that I wish such as purchasing a home because of these damaging items on my report. It has been over 30 days and I have yet to receive a 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 non-monetary relief
Consumer complaint received 2022-03-08
Company: REGIONS FINANCIAL CORPORATION
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:
On XX/XX/XXXX, I paid my Regions Bank credit card payment in the amount of {$62.00}. Last week on XX/XX/XXXX, I was notified my XXXX payment as not received and my account was delinquent over 31 days. Immediately, I contacted the proper personnel within Regions Bank in regards to this discrepancy. I provided my XXXX bank statement showing my payment for {$62.00} being made on XX/XX/XXXX. On XX/XX/XXXX, I contacted the CEO of Regions Bank and several personnel under him regarding this matter. The collections department contacted me on XX/XX/XXXX, and they have been giving me a very hard time! I have explained the situation to them and they refused to remove this discrepancy from my credit report. Today, XX/XX/XXXX, XXXX XXXX stated, the bank statements I provided her was not sufficient enough to remove the negative remark from my credit profile. She further stated, Regions bank never received my payment nor did I make payment in XXXX. This is really embarrassing!! XXXX XXXX called my last week making false allegations in regards to my account as well. I even went further to ask for her contact information ; however, she lied and stated, I do not have a direct number to contact me back at. Again, that was another lie she told because, she gave me her number last year when they lost my loan payment I made in XX/XX/XXXX. I am in the process of purchasing my first home and they is really affecting me. I am very stressed out and Regions does not care. I have had my credit card account for over 7 years and I have never missed a payment nor have I been late. I have offered to pay the account in full long as they remove the negative remark and they will not budge. This is not the first time Regions Bank has lost or misplaced my payment and reported it wrongfully to the credit bureaus!! The representative XXXX XXXX and XXXX XXXX told me not to contact the corporate office anymore regarding my complaint because they will not make them change their minds in regards to removing this negative remark from my credit profile. Can you please assist 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 2017-11-07
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 information incorrect

Complaint:
This allegation of having a charge off on my credit report IS DEFICIENT of CERTIFICATED PHYSICAL PROOF of being adequately and fully COMPLIANT to all mandates and laws as related to my state, the FCRA and METRO 2 data  formatted reporting standards. 

Also, how can they report different information to all three credit bureaus? The high credit, credit limit, date last reported, date last active and date of late payment are all different. 

You MUST annul Today, even NOW as you are NOT authorized to retain much less report any information or aspects of adverse data that is NOT TESTIMONIAL in its 100 % TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, of proven documented OWNERSHIP of mine, or of proven documented RESPONSIBILITY of mine. DEMONSTRATE confirmation of all data, dates, balances, calculations, identities, audits to include the requisite 426-character P6 statements and all of its trailing segments, the minimal five portioned personal identifiers, all 386 pieces to confirmation to collect, and every aspect of the alpha-/ numeric-/ and or alphanumeric source codes. RETURN or retain OBLIGATORY compliance with your federally defined timely deletion of any and all adverse notations that are deficient of physical evidence of proper reporting.

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 2022-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a BOA mortgage and was approved in XXXX. The bank had several significant delays due to their own backlog that our loan did not close until the end of XXXX. The bank promised me a refund of my appraisal fee due to their delay. I never received the refund so I contacted the bank in XXXX. They assured me it would be paid. Its now XXXX and I have never received the refund. I've asked where the refund was sent ( if it was sent to a credit card as I don't have any indication on any card that it was refunded ). The people I worked with at the bank have ignored my emails and won't even respond. My loan number was XXXX under the name of XXXX XXXX XXXX. The amount owed is XXXX. The commit case was XXXX. XXXX XXXX confirmed that the payment would be processed on XX/XX/XXXX. I still haven't received the payment. I again contacted her twice and no response. I have also contacted XXXX XXXX and XXXX XXXX who have also not responded to my multiple emails asking for a status.

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 2018-01-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I placed a stop payment ONLINE with Chase Bank. The check number is # XXXX and the amount was {$130.00} I placed the stop payment XX/XX/17 and paid the {$25.00} fee. 

Chase changed the check number on the account to # XXXX so they could get around the stop payment. My bank statement says they cashed check # XXXX, but the check returned to me still say # XXXX. I dont understand how that can be, and CHASE refuses to give me an explanation. First they blame the other bank, then they say I did not contact them soon enough. 

Now they say the reason why they cashed the check is because I had a XXXX amount for the check amount when I filed the stop payment online. However, it is impossible to do a stop-payment online at CHASE without a check amount. THey are lying to me and committing fraud in covering it up. I am stunned!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-15
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:
I have called Experian consumer relations to notify them of an account with XXXX XXXX XXXX that is on my credit report by error. I have disputed the account with Experian but everytime I speak to someone on the phone, it sounds like someone out of the country and not someone who can handle my concern. I have tried to explain to the Experian representatives on more than one occasion that they need to obtain the agreements from XXXX XXXX XXXX regarding this account so that they can find the discrepancies and know why it is on my credit report when it should n't be. I tried calling XXXX XXXX XXXX myself but I have not been able to have them help me because this account has information that does not match mine. Experian continues to report this account 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 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX 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. KINDLY UPDATE OR REMOVE THIS ACCOUNT FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX - Collection

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 2022-08-12
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 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 Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : 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 2019-06-26
Company: EQUIFAX, INC.
State: TN
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 tried multiple times to have fraudulent information removed. It has been to no avail. I have submitted the identity theft affidavit and an APPROVED police report and the bureau refuses to follow the FCRA. I fee like they are trying to make the call that the police report isn't accurate when that his not what they are required to do by law. The police authorities deemed is valid and APPROVED it therefore the bureaus needs to comply with the FCRA instead of blatantly break the FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
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: Information belongs to someone else

Complaint:
THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LIKE THEM TO BE REMOVED OFF MY CREDIT FILE

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 2018-01-15
Company: Coinbase, Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Coinbase transaction placed and was promised on XXXX XXXX XXXX. Bank checking account was charged the transaction amount and fee. Funds were to be available XXXX XXXX XXXX inside of coinbase. Money is still out of my account and the purchase is still not in my wallet. I filed 2 support tickets under two different categories over the last month. XXXX response from company. I have all documents to support this claim and will provide as needed. 
I have tried to contact customer support but the phone system does not handle financial issues that are sensitive. Support tickets have received zero response. I have reached out to all moderators on their reddit page, also no response. 

XXXX XXXX - {$1000.00} removed from my account. 
XXXX XXXX - Estimated delivery date of purchase to Coinbase. 
XXXX XXXX - Unrelated to dispute I receive an annual e mail from Coinbase in regards to privacy contract and dispute resolution. 
XXXX XXXX - Based off information in Coinbase email I run a report that shows this transaction as COMPLETED. Which it is not. 
XXXX XXXX - Support tickets filed and every available alternative to contact exhausted. Was told multiple support tickets by the same person would slow down their response. 
XXXX XXXX XXXX - Still no contact in regards to dispute. No support ticket showing up in my cases under my support settings inside of XXXX. 
Still says pending inside of coinbase. 
Please advise on what approach would be best.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LIKE THEM TO BE REMOVED OFF MY CREDIT FILE

Company response to consumer: Closed with explanation