BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-15
Company: Experian Information Solutions 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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : Late/Open XXXX  XXXX Balance : {$10000.00} XXXX  XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$4800.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$2600.00} XXXXT XXXX Balance : {$790.00} XXXX XXXX Balance : {$11000.00} XXXX XXXXXXXX Balance : {$7100.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX : {$20000.00} DEPTEDNELNET XXXX Balance : {$6300.00} XXXX XXXX Balance : {$7900.00} Late/Closed XXXX  XXXX Balance : {$0.00} XXXX FIN XXXX Balance : {$0.00} ChargeOff XXXX  XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$910.00} CB INDIGO XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$300.00} Collection XXXX XXXX IN XXXX Balance : {$600.00} XXXX XXXX  XXXX Balance : {$1100.00} XXXX REC XXXX Balance : {$120.00} XXXX XXXX, XXXX XXXX XXXX : {$69.00} XXXX XXXX  XXXX Balance : {$1600.00} XXXXXXXX XXXX XXXX Balance : {$790.00}

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 non-monetary relief
Consumer complaint received 2022-10-03
Company: Frost-Arnett Company
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on XX/XX/2002 XXXX XXXX XXXX my XXXX XXXX XXXX in the amount of {$140.00} without authorization for services provided to an adult child by a medical provider. 

They called repeatedly and asserted I owed medical bills for an adult child asserting that they were a minor when they were not. I asked for them to provide proof of age when the services were rendered and in the collection calls they could not. They refused. 

I did not convey my XXXX XXXX XXXX number to them or authorize payment on XX/XX/2002 in the amount of XXXX. Yet it was charged to my XXXX XXXX. ( which requires documentation of the services, which XXXX XXXX asserted I owed were provided to a minor child. ) In effect it has rendered my XXXX XXXX inactive, per federal rules regarding the use of the card. A dispute has been filed with the Benefit Administrator. Again, I can not provide an itemized statement for a service I did not receive or approve for payment. Collection companies should not be able to use financial card information provided to a medical provider with your consent to pay for a debt you did not incur. The addition of carrying your adult child on your insurance should not result in this behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XX/XX/XXXX Inquiry : XX/XX/2021 XX/XX/XXXX Inquiry : XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: Convergent Resources, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello I wanted to filed a complaint Against Convergent Outsourcing XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, wa, XXXX. I wanted to start off to say that this was not the original creditor of my debt. In XXXXXX/XX/XXXXthis debt went into collections. I hired a credit repair company and the debt of {$1000.00} came off my credit because of inaccuracies in regards to the debts amount being inaccurate. In XX/XX/XXXXConvergent outsourcing buys the debt and starts to send me letters in regards to the debt. I told them verbally that the amount of the debt they are asking is incorrect. I only made 1 verbal contact with the company. Last year Convergent outsourcing started to report the debt to my credit. There are two problems here # 1. Convergent outsourcing started to re-report the old debt with the incorrect balance. # 2 in efforts to collect this debt they also reported a bogus delinquency date to make it look as though this debt was new. I disputed and disputed and they are still making claims that this debt is valid. When I asked for them to provide paperwork on the debt showing that I owed {$1000.00} they sent me a letter with supporting documentation totaling {$150.00}. I wrote them a letter to report the correct information to my credit and still I receive no valid information. I think that Convergent outsourcing is buying old debt account and placing them on peoples credit like they are new accounts in order to allow them 7 years to collect even though they are purchasing  accounts that are 4 years old. At the time they put the debt on my credit it was 4 years old and they reported as new. Please look into this company. 

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 explanation
Consumer complaint received 2021-09-17
Company: Experian Information Solutions Inc.
State: MI
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 debt was paid in a settlement back in XXXX. The agreed upon amount was XXXX, which were to be made in 4 payments, which they were, would in fact settle this account. I noticed on my credit report that in the fact the opposite was reported. The account is being reported as a balance of XXXX still being owed which shot my utilization through the roof and lowered my score 76 points!!! 76 points!! I am in the process of closing on my home and this has not barred me from doing 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 non-monetary relief
Consumer complaint received 2022-01-09
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
American Express dispute team created a FAKE transaction on my card in XX/XX/XXXX, then added this fake transaction to my XX/XX/XXXX statement even though I already have the transaction there on XX/XX/XXXX ( there is 1 charge on that day that is real, then I disputed it and they gave me the dispute credit and said I won dispute, but then went into my account and literally created a FAKE line item transaction for a duplicate charge and put it into my XX/XX/XXXX statement so it would cancel out dispute winnings ). Is this even legal? They are doing fraud to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: WELLS FARGO & COMPANY
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Confusing or missing disclosures

Complaint:
On XXXX XXXX I submitted for a cash back return on my credit card from Wells Fargo, their Go Far Rewards program. The check was subsequently misplaced and never cashed. After receiving a letter from Wells Fargo noticing the check had not been deposited yet I called their Go Far Rewards program where I was informed that due to their terms and conditions I would not be able to receive a new check and that they would return the outstanding {$50.00} to the bank for themselves. I spoke with both a frontline and executive customer service representative to know avail.

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 2021-09-15
Company: CIT BANK, NATIONAL ASSOCIATION
State: MO
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
In XXXX I paid {$270000.00} for my house. We put 20 % down - In 2020 I sold it for {$350000.00}. XX/XX/XXXX the lender ( XXXX XXXX ) submitted a {$250000.00} payoff and I took {$200000.00} cash to the next closing on a {$210000.00} house. We owe {$45000.00}. The payoff came from XX/XX/XXXXThe funds were returned to the title company twice- without a release of the only mortgage on the property. Even after payoff I had to contact FDIC to finally get the lien released. XX/XX/XXXX XXXX released the lien AND transferred it to XXXX XXXX the same day. The loan originated at XXXX XXXX which became XXXX XXXX XXXX who sold it to one West Bank who transferred to XXXX who sold to XXXX XXXX. Meanwhile I made {$640000.00} in payments including a second mortgage paid off in XXXX. The total interest reported to the iRS was {$240000.00} since XXXX. There was XXXX escrow surplus and we got {$83000.00} at closing I have previously supplied cfpb with 1 ) bank statements that verify the payments. 2 ) tax returns verify the interest. 3 ) settlement statements verify the closing figures.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There is an account on my credit that is only reporting with TransUnion - XXXX XXXX # XXXX showing included in a bankruptcy. I have never filed bankruptcy. These bankruptcy comments are preventing me from closing on my home this month, XX/XX/XXXX. I have contacted Transunion but all they can do is place my account in dispute and I can not get an update from them. I have also asked in the past that this be resolved in XX/XX/XXXX but nothing was ever completed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Westlake Services, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
WESTLAKE SERVICE INC is reporting that on XX/XX/2018 & XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Called XXXX XXXX 2018 to close account since I have paid {$2500.00} + financed fees of $ 4000+. Interest 135 %. They lower interest and monthly still owe {$6000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
TransUnion needs to fix the issues about the inaccurate information for the account and the unauthorized inquiry reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiry and account that I am disputing : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$510.00} XXXX XXXX XXXX XXXX XXXX  XX/XX/2021

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 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX {$0.00}

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 non-monetary relief
Consumer complaint received 2018-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Paid accounts, refinanced student loans shows as " closed accounts '' As I know closed accounts may negatively affect my credit health, so I am fighting to defend my reputation, I want TransUnion, XXXX, XXXX to DELETE all the paid and refinanced accounts to keep my reputation clean because I am serious about taking care 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 2021-10-25
Company: EQUIFAX, 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:
I sent letters to Equifax, XXXX and XXXX in XX/XX/2021 and I did not receive any written responses to my dispute letters. So, I resent the letters in XX/XX/2021 for no response to my initial letters. Still NO RESPONSE. I sent another batch of letters in XX/XX/2021. And again, NO RESPONSE. At this point I'm frustrated and disappointed that they have failed to conduct a proper investigation concerning the inaccuracies on my credit report. I've given them more than enough time to investigate and respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have several hard inquiries on my credit report that I do not recognize : - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX - XXXX XXXX ( yes a second time )

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 2020-05-18
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving multiple calls from US Bank, trying to collect on the credit card I have with them. I have told them my situation ( and I have even made a payment within the last month ) and they let me know that they were going to work with me and that the calls would cease for a limited time. Yet, I received five phone calls today alone from them. This has to stop.

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 2019-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Take note that I did not sign up for an account with these original creditors.. XXXX 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 ( Original Creditor : XXXX XXXX ) XXXX, I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without contacting me first ... I requested bureaus to validate this information and provide me with copies of any documents associated with this account bearing my signature but they were unable to supply it. CFPB step up and remove 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 ( Original Creditor : 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 explanation
Consumer complaint received 2017-12-27
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I made two transfers to my Coinbase account on the XXXX of XXXX. The first one for XXXX ( XXXX GMT ) and the second one two hours later for XXXX. The second one was credited on my account within a couple of hours, the first one has still not been credited. I have sent them about 10 emails regarding the issue with no response at all. These were sent from a XXXX bank account, but were sent as an international ( SEPA ) transfer to their bank in XXXX. I did at one stage see on their main page that they were experiencing some delaying in crediting payments in those days but everything pending would be settled by the XXXX of XXXX - which it clearly has n't. I have no way of getting through to them other than the unanswered emails. Called my bank ( XXXX ) today and they said the money was received - the company is apparently registered in the XXXX. 

Uploaded bank statement shows the two international transfers on the XXXX XXXX number for deposit XXXX Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: Harvard Collections, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Notifications about debt were not being sent to the correct address. They were apparently sent to a previous address that I no longer live at, therefore, I did not know a debt collector was trying to reach out to me. I found this out by trying to get approved for a mortgage loan to buy a house, and i could not due to these collection debts. 


Harvard collection : ( medical ) opened : XX/XX/XXXX reported:XX/XX/XXXX balance : {$42.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 was in the process of buying a Home when I pull my credit report I found account that were not accurate. I have no account with XXXX XXXX XXXX there is some type of mix up or issue. The US. DEPT EDUCATION ACCOUNT ( XXXX ) is in good standing this account is listed wrong error please delete. XXXX XXXX ACCOUNT ( XXXX ) this account is duplicate error please delete account. These account have not been verified accurate please delete. These 3 accounts are in dispute with the original creditor error please delete accounts. 
All of these accounts which you DECLINED. I sent info for XXXX or agent of XXXX, TRANS UNION, XXXX a reasonable investigation of my dispute, since it was never done please investigate this account thoroughly. If you had investigated it completely, no e-Oscar system no thank you, you would have known, that not only I have never been late on this account ; but that I am not sure if some of these account are even mine - though your company claims to have " verified '' this. XXXX vs.TransUnion, XXXX vs. XXXX XXXX XXXX XXXX, and XXXX vs. XXXX, XXXX, XXXX XXXX, the courts ruled each and every time that the CRA could n't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable.

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