BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-15
Company: EQUIFAX, INC.
State: OR
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:
Issue with : Equifax only Date : Ongoing Problem : Equifax has not updated my credit score or credit report since 2012. My Equifax credit score is 90 points lower than the other two major credit bureaus. I can not dispute or ask Equifax to update my credit report because their website stonewalls me, claiming I give them incorrect contact information. The same information works correctly with the other credit bureaus. 

Detail : When I attempt to access my credit report with Equifax, they tell me that my contact information doesn't match their records. This leads to an infinite loop : I try to update my contact information, and that yields an error message because my information doesn't match their records. 

My credit monitoring service shows that Equifax 's records for me stopped in 2012. 

I've tried using my contact information from 2012. That doesn't match their records. 

I've tried having them send a contact information update form via. post. Some weeks later, a letter from Equifax arrived. The letter states that they can not provide an information update form by post because my information doesn't match their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
As the pandemic was unfolding, the need to extra cash was heightened. 

I have seen offers before from Barclay 's for balance transfers. This offer, I should have read more closely, a FEE and 15+ % interest. 

While others are providing some type of help, I believe this was predatory and this company has clearly taken advantage of a world pandemic to increase their bottom line.

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 2017-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 purchased a car in XXXX/2017 the car dealer sent my information to over a XXXX  financial institutions. each inquiry on that day was counted as a single inquiry and lowed my FICO score significantly. this was reported to each of the 3 credit reporting agencies. 
I reviewed my file and noticed the same thing happened a couple other times.

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 2020-05-11
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
EXPERIAN HAS REFUSE TO INVESTIGATE AND REMOVE THESE FRAUDULENT ITEMS AND YET TO PRESENT PROOF THAT THESE ACCOUNTS AND ITEMS BELONG TO ME I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-04-28
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My credit report includes this account that does not belong to 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 2019-10-09
Company: EQUIFAX, INC.
State: GA
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 noticed on XX/XX/XXXX that hard inquiries have been made on my credit report from XXXX XXXX that I did not make. I had 2 inquiries on Equifax and 2 inquiries on XXXX. 
I contacted Equifax on XX/XX/XXXX via phone and they informed me they could not do anything unless I contacted the companies which initiated the credit being pulled. I did not call XXXX on XX/XX/XXXX because their costumer service department was closed. 

Per Equifax request, On XX/XX/XXXX, I contacted XXXX XXXX GA which was one of the hard inquiries on my credit report and I explained to XXXX that I did not reach out to them to obtain new services that my credit report was showing occurred on XX/XX/XXXX. 
They reported that they would begin an investigation and reach on to me on XX/XX/XXXX. I then reached out to the second company, XXXX, that also initiated a Hard inquiry on my Equifax credit report. XXXX then asked me to reach out to XXXX XXXX of XXXX GA as that is where the request to pull credit had come from. After talking to the employee, he pulled up the file that was flagged as fraudulent and deleted it. XXXX also asked me to submit a dispute letter to them about the credit inquiry. 

I then moved on to my XXXX inquiries and decided to call the companies first since it seemed that the credit bureaus wanted me to resolve it with the companies. The first was XXXX XXXX XXXX XXXX XXXX and when I called them, there was no information the account and therefore could not give me any information that I could turn over to XXXX . I moved on to the second one which was XXXX ( XXXX XXXX XXXX ) and was connected to their department. They said there was nothing they could do and encouraged me to call XXXX and XXXX XXXX, where the inquiry had came from. I called XXXX XXXX and they said they had an inquiry online and that the bank denied it. The representative encouraged me to reach out to XXXX. 

I reached out to XXXX and all I got was basically " Sorry, we can't help you unless you get letters from all these companies saying that it is inaccurate. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Experian Information Solutions 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:
Prior to XXXX, XXXX I had a credit score of XXXX with Experian, my score fell XXXX points after I filed disputes in XXXX, when I checked my credit report I discovered that Experian re-calculated my score with old information that had been verified by the creditors as correct, there were no positive or negative new information added or subtracted. I filed disputes for six accounts each was previously closed showing charged off, in the body of the report a few of them also said " paid off or paid as agreed '' but the status was still showing charged off! One of the most egregious of these was one where they're showing an account with XXXX XXXX as 60 days late but that was for an account that was paid in full and closed in XX/XX/XXXX, It reflects on another open account I have with XXXX XXXX that's never been late since XXXX, XXXX! The way they calculate their scores are inherently wrong because when they inquire a creditor to update a dispute and the information doesn't change from what was originally on the report they should not recalculate the score as new information ... this is why my score dropped, due to my disputing closed accounts! A debtor has the right to inquire about the status of an account without being penalized twice for the same information only Experian does this! It is a form of double jeopardy. They claim that they are calculating the updated information but this should only be noted as recent activity not wholly, recalculated. If the information sought doesn't change from the creditor neither should my score be impacted due to my inquiry. Further, I was recently damaged by the sudden drop of my Experian Score from acceptable to not acceptable, I would've qualified for a refinanced loan for my car but they erroneously dropped my down causing me to be declined!

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 2020-06-23
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Summary of my complaint : I believe my first time use of MoneyGram service was in mid XXXX and had no problems with their service.. I had established a relationship with a XXXX  lady in XX/XX/XXXX and I visited her in XX/XX/XXXX and she visited me in the US in XX/XX/XXXX We are both XXXX y.o. adults. As I planned another a second trip to XXXX in late XXXX, and was planning to stay 3 months, I knew I would need a larger sum of money to live on. I went to my local Walmart, as I did before, and asked to wire, I believe, about XXXX or XXXX XXXX dollars to my female friend so it would be there when I arrived. When she went to receive the money I had wired, they refused to release it. The MG office in XXXX told her I would have to contact their Minnesota office for an explanation. I contacted their office and was told they blocked the transaction because they didn't feel comfortable with an American man sending the money to a XXXX  lady. Needless to say, I was disgusted for them making an unwarranted decision, without any history of fraud on my part, or hers! I ended up having my brother wire the money to me when I arrived. I have attempted to wire money using MG 5 or 6 times since, and regardless of the amount, they have all been rejected. Why? I ask. In one call to their office in Minnesota, I was told it was a computer issue that he couldn't change, but it would probably go away if I didn't try wiring for a couple weeks. That didn't work either! Essentially, I have been " black balled '' from wiring money to this lady, for no legitimate reason! They have absolutely no evidence of fraudulent abuse from me, or her. Whenever their computer system identifies me sending money to her, the transaction gets blocked! I have every right to file this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
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: Information belongs to someone else

Complaint:
After reviewing my credit profile I saw there were discrepancies listed that were not authorized by me or made by me. This is negatively impacting my credit score.

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 2021-10-18
Company: JPMORGAN CHASE & CO.
State: KY
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:
Reviewed my report and found on the inquiry section a inquiry not made by me. Contacted both XXXX  and chase bank services. Chase agrees I have never applied for any of their services and said they notified XXXX  and that XXXX denied that it appeared on my report. I ask for a letter confirming that and they stated they couldnt send me anything to acknowledge this. Hung up called XXXX who then tells me they need a letter from chase. I keep getting the run around. It was put on my report on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: Diversified Consultants, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I must be provided with a bill which reflects the proper amount from the original creditor, XXXX. As stated, on page 4 of the XXXX bill, I am to receive a credit upon return of the equipment. I have an invoice for XXXX XXXX equipment returned to XXXX  which was provided to the collection agency contracted by XXXX. The serial numbers on the XXXX  bill & equipment return invoice are identical & verifies that the debt is on my credit report is incorrect. I originally contested this debt on XX/XX/2018. In XXXX of 2018, I disputed the debt with XXXX, I was informed by XXXX that XXXX  must remove the negative information. XXXX has not removed the information, as yet. Various collection agencies have seemed to completely ignore the invoices from XXXX showing the return of the equipment. My attempts to contact XXXX  for for assistance are unsuccessful because it is a closed account & I am connected to the collection agency that is handling XXXX XXXX accounts, which is why I am contacting the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 5 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract. Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I'm having financial hardship and I called to see If I could settle both of my debt accounts but the problem is that I'm being put to be handled on the Spanish department over the phone and I don't Speak Spanish that much to be honest, I'm guessing that they put me there because of my name which I understand the confusion but I'm not so fluent with Spanish to be honest, I understand the mistake that they made by placing me on the Spanish Department but when my husband was speaking with them he asked to be transferred to a domestic representative for some reason they keep trying to change the topic and not do our request by bringing something else up and trying to avoid our requests, at one point we had to tell the consumer service agent to take us to a local representative three times after she kept saying that she will transfer us to the Spanish department and so she tried which made my husband mad because we had been trying to contact with them for about an hour and we felt like they did not tried to cooperate with us and where just giving us excuses, that made us not want to deal with them no more, and even if they were to speak English I would not feel comfortable speaking with them. 

Also when we first called to a domestic representative we were told that my file had a Spanish code on it so only the Spanish department could access my file which is the main problem of this complain, We where also told by the Spanish representatives that that code had been already taken off but when we call a domestic representative for some reason they say that the code is still there and because of that they can't access our file and help us and I feel that they're trying to keep us on the Spanish department for some reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-18
Company: EQUIFAX, INC.
State: MO
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 a letter regarding inaccurate info and unknown things being on my credit report to Equifax 60 days ago.I have not received as response yet and seems as if my disputes being ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: Winklevoss Exchange LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2021 my digital asset account with Gemini Trust Company LLC, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX, NY XXXX was frozen during a withdrawal transaction. I have reached out to them but no one answers the phone. I have sent emails but no one replies other than an automated bot system. The value of the digital asset at the time of the attempted withdrawal was {$640.00} USD and now has dropped in value. As a result of Gemini exchange placing a freeze on my account for no apparent reason I have lost gains. Upon further research this is an increasingly known problem with this exchange and it is becoming worse. The XXXX  has a plethora of other complaints regarding this company. Do not under any circumstances do business with this crypto exchange.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: Experian Information Solutions Inc.
State: IL
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 contacted the third-party XXXX XXXX. Regarding Experian confirmation on my dispute of the accuracies of bankruptcy XXXX, Experian is reporting on my credit file as Accurate Remain. XXXX XXXX could not and did not confirm all the information that Experian claimed to be apart of bankruptcy 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 2017-11-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX reported to the credit bureaus that my XX/XX/XXXX payment was 30 days late and this and untrue and fraudulent. My XX/XX/XXXX payment was paid on XX/XX/XXXX due to health issues with my husband. 27 days does not equal 30 days late. Since then I have paid my mortgage ahead of time to prevent missed payment when life circumstances arise. Select Portfolio states that XX/XX/XXXX was reported late to the credit bureaus because I was late in XX/XX/XXXX this is vengeful and fraudulent. I sent Select Portfolio several payments since XX/XX/XXXX that were well over my monthly, mortgage obligation. I do not understand how I can have a 30 day late when I usually pay more than what is owed. I will like the 30 day late removed from my credit report for XX/XX/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 2017-11-14
Company: CITIBANK, N.A.
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXXXXXX XXXX XXXX XXXXXXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX Account XXXX Has sent me a demand letter for a debt they purchased from Citi Bank ( South Dekota ) NA from XXXX XXXX XXXX.The credit card was issued XX/XX/XXXX and last used in XX/XX/XXXX. This debt was discharged in US Bankruptcy Court in XX/XX/XXXX also California State law statue is 4 years on debt collection I demand XXXX XXXX XXXX XXXX. cease and desist any and all collections of {$510.00} from me Thank You 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 2017-12-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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:
On XX/XX/XXXX I received a letter from Portfolio. The letter states that I owe XXXX XXXX {$900.00}. Account # XXXX. I filed a dispute in XX/XX/XXXX regarding this matter. This issue is dead ... I do n't remember this bill, and if I did { XX/XX/XXXX} it is out of the statue of limitation in the state of CA. I do n't want their error on my credit report. On XX/XX/XXXX there was an soft inquiry ran by Portfolio. They were running XXXX or XXXX soft inquiries a month for years. Please leave me the XXXX along. No more calling from different phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
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: Information belongs to someone else

Complaint:
I have no knowledge of the following account XXXX XXXX XXXX XX/XX/2017. Please investigate to insure there is no fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
the wonderful folks at Jefferson Capital Systems have purchased rights to collect debt against XXXX XXXX ( NOT XXXX XXXX ). and yet they hit my credit report will the debts of a different person. 

they called dozens of times, would not say what it was about, and last XX/XX/XXXX when going through mail I noticed there was a collections letter from them for XXXX XXXX ( NOT XXXX XXXX ) and yet they put that garbage on XXXX XXXX XXXX credit report & then proceeded to harass XXXX XXXX endlessly over it. 

here is URL of image of scan of debt collection letter which clearly shows they have the wrong name XXXX XXXX XXXX

Company response to consumer: Closed with explanation