BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-05
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please remove the negativity immediately. 
XXXX XXXX PL XXXX XXXX, NY XXXX. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$16000.00}, {$14000.00}, {$8300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
As of XX/XX/2021 I was locked out of my coinbase account due to a supposed suspicious activity. The last thing I did was place an order for about {$500.00} worth of Cardano. Within 2 days I attempted to change my password to regain access to my account. The password change seemed to work but I was still unable to access the account through my phone or the web portal. 

I have continuously received phone calls from people with XXXX accents who are claiming to be Coinbase support. They seem to have some way they can see what's happening in my account and know my name, but when I ask them what the process is for removing the security block they hang up on me. 

I've sent emails to coinbase support, coinbase security, and have filed a formal complaint with them. The last response I got from anyone was XX/XX/XXXX. They've been completely negligent with access to my funds as there has been no resolution to my problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-22
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: Their investigation did not fix an error on your report

Complaint:
I asked Experian and XXXX to provide me the Date of First Delinquency with the original creditor because it was not provided and for Experian and XXXX to please provide this requested information and In the event that they can not verify the details and/ or provide the requested information, kindly remove these damaging accounts from my credit report. If you can verify the information you have listed as accurate, please provide the name of the person supplying this date as well as the manner in which it was provided in order that I may pursue additional remedies. Experian and XXXX  just updated or modified the information and did not provide me with the requested information. Experian and XXXX  are in violation of the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) and for knowing violations of the Act. 
Experian and XXXX failed to provide me the requested documents and in violation of the Fair Credit Reporting Act Section 621 ( a ) ( 2 )  and for knowing violations of the 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 2017-09-28
Company: EQUIFAX, INC.
State: TX
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 sent a investigation request to Equifax and XXXX XXXX on XX/XX/XXXX. Well over 30 days have passed, and I still do n't have a response back from either.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: Experian Information Solutions Inc.
State: NY
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: Other problem getting your report or credit score

Complaint:
I am unable to view and or dispute anything online through Experian. They wont let me do anything unless if i mail them and pay them or wait on hold for hours on end

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 2022-08-15
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 previously started looking into the report that included false information, and after reading your response, I saw that the report still contained false information despite having a confirmed status. Please validate this account 's status and payment history for me. I think the information being reported by this account is false. I always make my payments on time, so I never had a late payment on this account. I keep my own accounting records for payments, and the one you have does not line up with what I have. I ask that this account be thoroughly investigated and updated for proper and legal accuracy. Please fix the following account : XXXX XXXX XXXX XXXX : {$650.00}

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 2022-04-28
Company: Bread Financial 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I filed Chapter XXXX bankruptcy in XX/XX/XXXX. The case is still ongoing, due to be discharged in XX/XX/XXXX. The case is XXXX. I keep getting harrassing phone calls threatening to sue me, ( I saved one of the voice mails ) and emails detailing how they are going to sue me and I am liable for attorney costs, and giving an amount. Even though I have repeatedly told them these debts are included in the bankruptcy, and even copied my attorney on the emails, they still keep contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: Convergent Resources, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX mailed check for balance listed on credit report : {$310.00} Called several times to check the receipt of the payment. Contacted attorney for cashed check proof it was emailed to me. XX/XX/XXXX emailed proof of cashed check to XXXX XXXX to # XXXX XX/XX/XXXX sent an email to XXXX as directed with all proofs that I had previously submitted.
To this day I have heard nothing, and my credit file continues to show that I owe on this account.

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 2022-03-28
Company: CITIBANK, N.A.
State: OH
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I was issued a {$100.00} conditional payment credit since I had mailed in a money order but CitiCards never received it, so I made a payment of {$120.00} on XX/XX/XXXX towards the {$110.00} Statement Balance for XXXX. 

When the XXXX Statement generated, I had a Statement balance of {$41.00} due to the conditional {$100.00} credit, but then I paid a total of {$140.00} on XX/XX/XXXX, which would have covered the {$100.00} conditional payment credit. 

On XX/XX/XXXX, Citi reversed the {$100.00} conditional payment which shows on the XXXX Statement, but I feel it is an accounting/journaling error which is not reflecting the {$100.00} payment made on XX/XX/XXXX, and I feel that my XXXX Statement should only have been {$30.00}. 

I have spoken to several Representatives at Citi and informed them that it may be a journaling/accounting entry error which may have to be resolved on the back end but haven't been able to get anywhere,

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 2020-02-24
Company: EQUIFAX, 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:
SOMEONES BEEN USING MY PERSONAL INFORMATION APPLYING FOR CREDIT AND USING MY NAME FOR MEDICAL PURPOSES I CONTACTED XXXX XXXX, XXXX  AND EQUIFAX TO UPDATE MY PROFILE THEY HAVE YET TO DO SO ... ATTACH IS MY REPORT ON ALL INQUIRES AND FRAUDULENT ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have tried numerous of time to settle this fraud issue with Citibank about my checking and savings account and XXXX XXXX, whose phone number is XXXX failed to contact me to resolve the issue. He did not look into this fraud activity nor did he call me back to discuss the solution Citibank was willing to do about my account. I filed police reports in regards to this matter and still have not heard nothing from the bank. I am tired of the run around I receive from this institution and demand he be fired and my account becomes unblocked for daily use. This account has been blocked for over six months now in regards to this issue.

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 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  XXXX Account XXXX, XXXX  Account XXXX, XXXX XXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2020-02-24
Company: STERLING JEWELERS, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Kay Jewelers is reporting an installment account on my credit reports with XXXX, XXXX, and XXXX  that are erroneous. I have sent many dispute letters to Kay Jewelers as well as the credit bureaus but I have not received the validation necessary to report this account on my credit reports. 

KAY JEWELERS 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 2021-06-13
Company: Upgrade, Inc.
State: NC
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am XXXX years old and had many visas. Upgrade Visa is by far the worst I have ever dealt with. About 3 months ago There were discrepancies in billing @ {$230.00} was not deducted from my Visa after 45min.wait for customer service, and a letter They did reimburse me finally. Now I have a credit from XXXX XXXX Rental. Not showing where it was credited. Also, on the attached copies you will notice something called update Exported Disbursement???? Customer service did not know what this is and nether do the amount of credit was {$490.00} shows as a post payment but does not show that it was a credit from XXXX highlighted in yellow. Customer service insisted that I did receive my credit ( sorry I have 0 Confidence in ability. My question am I just a victim of circumstance or are they dishonest with many others. What needs to be done here a full-blown investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I do not owe the Minnesota Department Child Support Division of XXXX County. 
I spoke with the Child Support Officer : XXXX XXXX at lenghth. Also, she gave me proof of ths that the case is closed and there are no arrears. My child mother also got a copy and supported the decsion as well. This is not accurate, therefore this should be remove. Please honor the Fereral Trade Commission guildlines.

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 2020-02-24
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
US Bank has closed my credit card without notice. The credit card in question is the US Bank XXXX XXXX which comes annual fee of {$400.00} and US Bank Rewards awarded for spending. I had paid the full annual fee in XX/XX/XXXX and thus only had the card until XX/XX/XXXX. US Bank did not provide any reason for closure and informed me that their Terms and Conditions allows the closure without further notice. Respectfully, I agree that closure is stated in the Terms and Conditions, but I do not agree that the company has chosen not to reimburse my 'annual ' fee when I do not get 'annual ' benefits from the card. 

In addition, US Bank confiscated the XXXX US Bank Rewards Points. They have not provided any means for withdrawing the leftover points and are is unwilling to credit those points. Since I did not choose to close my credit card, I want to formally request my XXXX points = {$8.00} cent, and the {$400.00} annual fee that was not reimbursed upon closure. 

If US Bank chooses not to reimburse the required fees, I will be proceeding with this issue in small claims court.

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 2021-06-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Hello, Im here to follow up with my last complaint that I made towards my credit report having some inaccuracies. I stated to the credit bureaus that a public record ( bankruptcy ) was showing inaccuracies on it, and they need to delete for not following the FCRA Guidelines towards compliance on having accurate data across all 3 bureaus.

I will attach my new report that I pulled today to show that after disputing serval times with them, I still come back with the same inaccurate data.

Here are the following sections I've disputed with them on inaccurate data : -Inaccurate court name across all the bureaus -Inaccurate Fillind dates -Inaccurate Reference #

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 2021-06-13
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: Public record information inaccurate

Complaint:
Hello, Im here to follow up with my last complaint that I made towards my credit report having some inaccuracies. I stated to the credit bureaus that a public record ( bankruptcy ) was showing inaccuracies on it, and they need to delete for not following the FCRA Guidelines towards compliance on having accurate data across all 3 bureaus.

I will attach my new report that I pulled today to show that after disputing serval times with them, I still come back with the same inaccurate data.

Here are the following sections I've disputed with them on inaccurate data : -Inaccurate court name across all the bureaus -Inaccurate Fillind dates -Inaccurate Reference #

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 2022-04-28
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  XXXX Account XXXX, XXXX Account XXXX, XXXX XXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt in question was for medical services performed over a year prior. The insurance company says debt is not owed. Debt collector advised me to just pay so it goes away and was extremely insulting on my own understanding of the facts and circumstances. Would not accept an electronic signature on a release form or speak to the debtor in person.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: EQUIFAX, INC.
State: LA
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:
Dear Sir/Madam XXXXXXXX XXXX acct # XXXX I filed a dispute with all three credit bureau, XXXX , Equifax and XXXX on XX/XX/XXXX, all three bureau said the debt was verified by the original creditor. However, I sent a certified letter on XX/XX/XXXX with a return receipt asking the original creditor XXXXXXXX XXXX to investigate the account listed above. I did not receive a response. I have attached a copy of letter I sent to XXXX XXXX, copy of my credit report from all three bureaus showing the inaccuracies which is circled on all credit three reports and copy of the return receipt. How can this account be verified when each credit bureau is reporting this account differently? 
Thanks for your time and consideration in this matter.

Company response to consumer: Closed with explanation