BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-08
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion 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 2018-01-18
Company: AFNI INC.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I filed a complaint on 2 companies regarding the same issue back in XX/XX/XXXX - First one on XXXX XXXX = Complaint # XXXX & Second on XXXX XXXX Complaint # XXXX. This is now the 4th time. 
Below is the history with XXXX XXXX - In XX/XX/XXXX, this was on my credit report with ( 1 ) XXXX XXXX XXXX for {$530.00} ( 2 accounts {$360.00} & {$160.00} = {$530.00} ) I disputed these with the credit bureaus and it was removed from my credit report. I began looking for a home in early XX/XX/XXXX and ordered my credit reports to find XXXX XXXX had placed these 2 accounts with ( 2 ) XXXX   XXXX XXXX for {$530.00} ( 2 accounts {$360.00} & {$160.00} = {$530.00} ) again I dispute & it is removed. I was a few days from closing on my home in XX/XX/XXXX when I recieved a call from the Mortgage Broker telling me I could not have the loan because a collection was just filed on my report. I was in complete amazement to find that it was XXXX XXXX again, they had placed 1 account for {$530.00} with ( 3 ) XXXX XXXX. I  filed a dispute with the credit bureaus and filed 2 complaints with Consumer FInancial Protection Bureau, 1 on XXXX XXXX = Complaint # XXXX & the result was the CFPB referred complaint to the Federal Trade Commission ( FTC ) on XX/XX/XXXX and on XXXX XXXX Complaint # XXXX & the result was the Company responded on XX/XX/XXXX & was removed from my credit report. On XX/XX/XXXX, I called my bank regarding a car loan & was told no because I had a recent collection. Ordered my credit reports again & now for the 4th time XXXX XXXX has placed that {$530.00} account with ( 4 ) AFNI, INC. 
Each time XXXX XXXX has sent the account to a collection agency, they change the account number & the date opened. This causes a collection to be on my report & shows late payments which has caused me a lot of grief at a minimum. I have attached copies of the previous complaints I filed with your agency, pages from my credit report reflecting the XXXX XXXX account with the different collection agencies over a period of time. 
Please Help Me!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Received phone call XXXX/XXXX/2018 from a rep from XXXX XXXX XXXX stating that my file was in the legal department and the next was to sue me for an unpaid debt. After expressing and providing proof of my lawsuit of me suing XXXX XXXX XXXX that closed my accounts and withheld my wages. I paid payments and this company still decided to send me to collections. This is now preventing me from getting another job. This needs to be put into law that creditors can not put this on your credit when trying to obtain employment. They were also aware of my situation also that i was constructively fired from XXXX XXXX XXXX as well. After making payments even in light of this information they still sent me to collections, again as XXXX my credit should not be affected due to no fault of my own thereby preventing me from getting a job that would help me to pay this off. The next step is 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 2018-01-18
Company: Experian Information Solutions Inc.
State: VA
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:
VOLUNTARY REPO OF A CAR BY XXXX. They falsely state their terms of their loan. They sold the car for {$700.00} and want me to pay almost {$10000.00}. XXXX and XXXX XXXX has deleted from my credit report but it still remains on experian. They are also in violation of the arbitration clause.

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 2018-01-16
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a account Im collections on my credit profile showing ( Capio Parnters and XXXX XXXX XXXX ) not liable for and also keep getting phone calls from but I dont answer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-17
Company: U.S. BANCORP
State: LA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I received a letter from US Bank Relicard Cardholder Services in XX/XX/XXXX stating that they had conducted a review of my account and they needed additional information to verify my identity and if I didn't provide the information my card would be closed and the remaining balance would be returned to the appropriate agency, assuming this was the XXXX  XXXX XXXX. At the time I had received unemployment benefits and lost my card and did not access all of my benefits. I called US Bank upon receiving the letter and provided the necessary information needed. I was told that there was a $ XXXX balance and I would be receiving a new card in 7-10 business days. I never received that card after weeks of waiting. I called then again in XX/XX/XXXX and was told I would receive a card. After waiting for several more weeks without receiving a card, I called then again in XX/XX/XXXX. I was told I would receive a card in 7-10 business days. Throughout this whole process, I received one card ( XX/XX/XXXX ) days after my last call, which I thought was strange because I had just spoken with someone only days before that, but when I activated the card, to my dismay, I learned that there was a XXXX balance on the card. So, I called US Bank again on XX/XX/XXXX, to inquire about the XXXX balance to only be told I need to call the unemployment agency in my state to inquire about the funds. So, I decided to file this complaint after speaking with the agent because I responded to the letter I received from US Bank to handle to matter so I could get the much needed money and it is now 4 months later and nothing has been done.

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 2018-01-18
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
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 had a credit card accounts with SYNCXXXX that got delinquent due to personal issues. When i got back on my feet I settled this account under the agreement that it would be completely removed from my credit reports yet they still remain. I contacted then several times in the past to resolve this with no luck because i did n't get the agreement in writing from the CSR that assisted me and assured me they would remove the account from my credit reports. here are the partial account numbers listed on the credit bureaus 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 2021-02-17
Company: Bread Financial Holdings, Inc.
State: NJ
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: Problem with personal statement of dispute

Complaint:
I called XXXX to discuss a financial hardship and to question a large charge of {$1500.00} on the account. I was told there was nothing they can to do help but will escalate my inquiry and get back to me within 48 hours. Within that timeframe, not only did I not receive a call back regarding my concerns but they reported me late to the credit bureau and my score was dramatically impacted. I request my account be reviewed under the circumstances of my financial loss of significant income.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: CBC Companies, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2020, XXXX XXXX  add a hard inquiry on my credit reports perXXXX, XXXX  and XXXX. 
On XXXX XXXX, 2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
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 information incorrect

Complaint:
XXXX XXXX is reporting wrong information on my credit report. Transunion and XXXX  and XXXX have two different open date when the account begin. How can one account open on two different day.

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 2021-12-08
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I have been locked out of my Coinbase account since XXXX XXXX XXXXXXXX now. I had a security key which was lost and I could not get in my account. I sent Coinbase an email to regain access to my account and they replied with a link to verify my identity. I did all the steps they required and sent all documents like Id, social, and a photo of me taken next to my ID. The issue has still not been resolved I have contacted them several times and all I get is that I have to wait. I have no way of checking on my funds or selling/cashing out any funds. There is no phone number I can contact them through. No one is helping me get I to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-17
Company: Netspend Corporation
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I have numerous accounts with netspend prepaid I have two accounts that were opened while I was married not joint accounts I have a savings account accumulated since 2017 I have tried to access these two older accounts but was either hung up on or put on hold for more than 30 minutes in this time I need to have all finances that I have given I am divorced with a new XXXX year old 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 2019-02-07
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I went to the dispute resolution center to file a claim about a transaction from a fraud merchant. I was sold a product with no box that was defective and full price. The merchant scammed me which is appalling considering it was a business in XXXX XXXX airport. My credit union did little to nothing to investigate the company or the dispute and simply said they could not help me any further which is untrue and very complacent for an establishment that I trust my money with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-17
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
I have been an American Express card member since XXXX  - My card was cancelled recently and their explanation was review of credit report. They did not take my payment history nor usage into consideration - just my score. With the pandemic, shopping has been limited, but that did not matter. i have used my card 3 times so far, to shop online, but that did not weigh with them either. 
i am horrified that they cancelled my good standing account for with this as reason. since i have never made late payments nor had any problem with my account. Credit scores dip and soar ... they fluctuate, but Amex does not care. I am truly horrified at this treatment after all the years I was a loyal good standing customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: I.C. System, Inc.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I received an alert from XXXX XXXX  stating that there was a collection on my credit report from XXXX XXXX with the original creditor being XXXX and an amount of {$320.00}. I immediately contacted XXXX XXXX to let them know that I did not open this account and that it was a result of identity theft. I was given a phone number and account number and was told that this number was ported out to XXXX XXXX. I was told that if I wanted this account cleared up that I will have to file a police report and identity theft affidavit and send it to XXXX. The police report was filed on XX/XX/XXXX with the XXXX police dept and XXXX Mississippi however I have not been able to get a copy of the report because I no longer live there the reason that I filed it with them is because I was told by the representatives at XXXX that one of the accounts was opened up in XXXX Mississippi and that they had no knowledge of where the XXXX account was opened at power XXXX XXXX. I have not been able to get in touch with anybody at the XXXX fraud department. Whenever I call their number all I get is an automated machine and there 's no option to connect with the live representative. however it had a billing address in XXXX, IA. At this point I 'm not sure exactly where the XXXX account was opened that I just know that I have no knowledge of it and I never authorized anyone to open this account and my name and the police have been notified. When I contact the XXXX to let them know that I did not authorize the number poor they stated to me that there was an account open there in my name also but the representatives they 're closed it and stated I have no liability for that account because it was a fraudulent account. However I have not been able to come with a resolution with XXXX XXXX or XXXX I have sent them letters asking for validation of debt or to see a to see a contract that was signed with my signature on it and they could not provide me with that they also stated to me that they could not do anything about the fraudulent account that I would have to go through XXXX to get it cleared up even though XXXX is not the one that 's reporting on my credit report it is XXXX XXXX. I 'm requesting that this fraudulent account be removed from my credit report immediately

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 2018-01-18
Company: Experian Information Solutions Inc.
State: DE
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:
While this company servicing my loan was still XXXX XXXX, the monthly payments were very high and they were not willing to work with me to lower the payments and make them more affordable. I entered into an agreement with them where once they adjusted my monthly payment, and they were made on time for 6 months, that all negative information related to the account would be removed. Once thee account carried over to XXXX the same terms were to apply. To ensure that there were no problems considering the reputation of these companies, I enrolled in auto pay. The payment have been made with a hitch for a quite a while however, the company has not honored their commitment. Furthermore they are still reporting late payment although I am enrolled in auto pay and have proof that the payments were made. I am in the middle of trying to purchase a home, and the XXXX XXXX/XXXX question continued to come up with all perspective lenders. It is becoming very frustrating and costly. They continually misreport, and have basically harmed me in every way listed in the lawsuit filed by CFPB.

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 2021-12-08
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX at around XXXX I received a fraud alert text from Citibank asking me if Id attempted 2 transactions with XXXX, each over {$2000.00}. I immediately replied NO. I then went to check my account online and saw 3 pending charges, the 2 I just mentioned and a small charge for {$.00} which is how fraud usually occurs by initially trying to deduct a small amount first. I immediately called Citi Fraud department. I was put on hold for over an hour and then finally spoke with someone who barely spoke XXXX. They told me that since the charges were pending they would not go through since they were unauthorized. Nonetheless on XX/XX/XXXX, the charges were posted against my account! Citi was completely negligent in allowing this. I called the fraud department again. I was put on an hour hold again. When I finally got through I was told by the agent that they would be opening an investigation and that I could not get my money back until that was completed. They said theyd be sending me forms by mail to fill out attesting that these charges were not mine nor made by anyone using my card. My card was in my wallet at the time I got the initial text so I knew that was not the case. Days go by, I receive not one shred of paper regarding a so-called investigation. I call the fraud department again. They transfer me to the dispute department. They tell me that within 10 business days I should get a provisional credit pending the investigation?! A few days later I do in fact get a credit back in my account for one of the 2 unauthorized transactions. However, not a word about the second one and still no mail from Citibank regarding any investigation. I call every day asking for the status. Im given 10 answers by 10 different people. I repeat my story over and over again from the start as if they have no record of any of it. It is XX/XX/XXXX today and Im still out over {$2000.00} due to Citibanks complete incompetence and lack of following my instructions that these were UNAUTHORIZED transactions. I am at a loss as to what to do next. Citibank is not taking care of this under any time line. It is illegal to take money from my account without my permission. Yet that is exactly what they have done.

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: EQUIFAX, INC.
State: DE
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:
While this company servicing my loan was still XXXX XXXX, the monthly payments were very high and they were not willing to work with me to lower the payments and make them more affordable. I entered into an agreement with them where once they adjusted my monthly payment, and they were made on time for 6 months, that all negative information related to the account would be removed. Once thee account carried over to XXXX the same terms were to apply. To ensure that there were no problems considering the reputation of these companies, I enrolled in auto pay. The payment have been made with a hitch for a quite a while however, the company has not honored their commitment. Furthermore they are still reporting late payment although I am enrolled in auto pay and have proof that the payments were made. I am in the middle of trying to purchase a home, and the XXXX XXXX/XXXX question continued to come up with all perspective lenders. It is becoming very frustrating and costly. They continually misreport, and have basically harmed me in every way listed in the lawsuit filed by CFPB.

Company response to consumer: Closed with non-monetary relief