BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-22
Company: Choice Recovery, Inc.
State: OH
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:
To whom it may concern CHOICE RECOVERY # XXXX is an account that was legally discharged in a bankruptcy XXXX XXXX XXXX OHIO Docket # XXXX. Please delete this account at once it is an error!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 uploaded a letter to XXXX, XXXX  and Transunion and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the companies verified my accounts. I asked for proof of any files to verify these accounts and if there are not any, please delete these accounts. XXXX, XXXX or Transunion does not have any files to verify these accounts, nor will they delete it.

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 2023-07-08
Company: GOLDMAN SACHS BANK USA
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Home Depot Project Loan card received on XXXX via mail. Called home depot number provided. Card has {$9900.00} charge on it already, per automated system. Got forwarded to GreenSky ( loan holder ). XXXX was contact name at GreenSky. I reported fraud and canceled the account. XXXX sent me an affidavit to fill out to start investigation. 

Also checked XXXX XXXX to report the card as fraud to XXXX. Card shows {$18000.00} dollars spent on that app. 

Also received mail from XXXX XXXX XXXX XXXX XXXX regarding failed credit application. Attempted to call number, but no one in office on a Saturday.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion Hello, I have reviewed a copy of my credit report and it shows the inquiries above are fraudulent and I have a sent a copy of the FTC report to request removal. I have not been successful and I need these removed due to attempting to purchase a home.

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 2021-05-01
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have been trying to log into my CoinBase account for months now. Evey time I try to log in I get 'account is temporarily disabled '. I keep filing support requests with them, and they just close the tickets with no resolution. I have more then $ XXXX dollars in there and I can not get it out. They have no phone support and I have no one to turn to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-04
Company: Credit Card Receivables Fund Incorporated
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/19 I have attempted to obtain information from XXXX XXXX XXXX  about the nature of a debt that they claim I owe. I have asked for an itemized description of the debt and how they calculated the amount that I allegedly owe. The alleged debt is past the statue of limitations, yet they claim they are still charging interest on the debt. XXXX XXXX XXXX  claims that they have no obligation to provide a written explanation that itemizes what I allegedly owe. The amount owed is allegedly $ XXXX.The original creditor is XXXX and the Creditor listed is Unifund CCR , LLC. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 was shocked when I reviewed my credit report and found late payment on XX/XX/XXXX & XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-14
Company: Professional Accounts Service, Inc. (Indiana)
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Was contacted on XXXX XXXX @ XXXX CST &  XXXX XXXX @ XXXX CST. 
Has not given me an amount owed. 

This company has contacted me now twice regarding a debt. I 've spoken to their manager XXXX & asked both times for a validation of the debt. Both times I was spoken to extremely rudely, called a " XXXX XXXX '', told it 's my job to call the original creditor to validate, was told they are in a " process ''. When I asked what this process was, like court? I was told that no, not court, just a process. 
I told them that under law, they have to give me verification of the debt within 5 days. Was then told that I 've owed this debt since XX/XX/XXXX, that I 'm a " XXXX debtor who never paid my bills ''. I informed them that my identity was stolen & that I have never had a credit card with the company they 're " colleting '' for. Was told by first debt collector that they have a copy of my credit report & that I owe everyone. I also told them that the statute of limitations had expired after 5 years ( Missouri law regarding credit card debt ), I have zero clue who the original creditor was, and that I need validation. All this XXXX person does is over talk & try to use scare tactics without giving me any proof what so ever. 
I just called them to inquire about their mailing address & they refused to give it to me & were again, extremely abusive. 

They are also calling my boyfriend 's cell phone ( not my number ) even though I 've told them that was not my number & to stop calling him. 

This company is scamming people & trying to collect on extremely old debts that they 're refusing to verify.

Company response to consumer: Untimely response
Consumer complaint received 2018-04-13
Company: TMX Finance LLC
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I originally had a title loan with XXXX XXXX of XXXX, AL in XX/XX/XXXX. On XX/XX/XXXX, when I made my payment to the store where I originally received the loan, I was told the next month my payment would be due at a different location, XXXX. When I started getting calls, I did not recognize the number and out of 7-10 received between XX/XX/XXXX and XX/XX/XXXX, I was left two messages that simply said " XXXX, please give me a call at XXXX '' with no other identifying information. On XX/XX/XXXX, I called the number back at XXXX, found out who it was, explained that I was leaving to go out of town, that I would be back on XX/XX/XXXX and I would be in as soon as I returned home. On, XX/XX/XXXX, my mother called me to tell me the title place was looking for me, I needed to call them, etc.. I called XXXX again at XXXX, explained I was still out of town, I had already made a payment arrangement, etc. I offered to make the payment while on the phone with my credit card and was told they could only take debit card payments over the phone. On XX/XX/XXXX, I received another phone call around XXXX, again I explained that I was out of town, that I had already spoken to two other people, and ask that they have their manager call me. On XX/XX/XXXX, at XXXX, the store manager XXXX called to tell me I was getting repeated calls because my account was late, her employees weren't authorized to make payment arrangements after an account was 5 days late, she didn't know who I spoke with because their were no notes on my account, I gave her the dates and times of when I had spoken to someone, and she said ( quote ), " okay, well there's no notes on your account so I don't know who you talked to but they can't make payment arrangements over the phone after your account is five days late. '' She proceeded to tell me that she didn't know how XXXX operated but her store didn't work that way, I needed to come in to make sure I understood how they operated, and again, I offered to make the payment over the phone, and she told me she didn't do phone payments at all, but to make sure I didn't break my payment arrangement. I have proof of dates and times when I spoke with their employees and first, they continue to call five times after my initial arrangemnt, they call my reference after my initial arrangement, and the manager basically calls me a liar when I tell who I spoke with and when.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX recently removed an incorrect bankruptcy that is reporting on my credit report. I have sent the paperwork that was sent to me showing that this bankruptcy was incorrect and Equifax still will not remove this incorrect item from my credit report. There is no way that they can verify it as accurate when it is not on my credit report. The company that verifies bankruptcy 's for Equifax is XXXX and there is no way that it can be verified when it is non existent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: United Collection Bureau, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am writing to complain about United Collections Bureau Inc., a debt collector that has been violating the Fair Debt Collection Practices Act ( FDCPA ) by sending me payment request letters after I have already told them to stop contacting me about payments for the debt ( which I have kept a recording of ), and to provide a debt verification letter and to consider the debt in dispute until further notice. 

Despite my request, United Collections Bureau Inc. continued to send me payment request letters. I have kept a recording of all of my conversations with United Collections Bureau Inc., and I have proof that I requested them to stop contacting me. I have also kept the post mark dates on the multiple letters. 

I am requesting that the Consumer Financial Protection Bureau investigate United Collections Bureau Inc. and take appropriate action to protect consumers from this company 's unfair and abusive debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
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:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-03
Company: Experian Information Solutions Inc.
State: TX
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 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX Balance : {$1000.00}, XXXX  XXXX Balance : {$660.00}, XXXX XXXX XXXX Balance : XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1100.00}

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 2022-12-15
Company: Experian Information Solutions 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:
15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

It has been XXXX days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 2019-06-04
Company: ERC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2017 The company is XXXX XXXX They have sent an account that was current to collections also they are requesting money on a cellphone that was returned

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: I.C. System, Inc.
State: AL
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:
Remove any late payments change statue to current due to the cares 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 2023-01-11
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
someone opened a credit card in my name at American Express and XXXX XXXX XXXX in my name fraudulent and I have called American Express and XXXX XXXX XXXX several times and told them I live in XXXX XXXX XXXX XXXX XXXX and to please closed these fraudulent account in my name. They never did and now its showing on my credit file as fraud. I have filed a police report and FTC Report and lawsuit for Senior Abuse with the local XXXX XXXX in XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
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: Investigation took more than 30 days

Complaint:
HAVING A PROBLEM WITH EXPERIAN AND XXXX REMOVING ACCOUNTS THAT I HAVE FURNISHED INFORMATION THAT SHOWS THAT THESE ARE NOT MY 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 non-monetary relief
Consumer complaint received 2020-11-25
Company: AMERICAN EXPRESS COMPANY
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:
On XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX add a hard inquiries on my credit reports per XXXX and XXXX 
On XXXX. XXXX, XXXX AMERICAN EXPRESS add a hard inquiries on my credit reports per XXXX and XXXX 
On XXXX XXXXXXXX XXXX XXXX XXXX XXXX  add a hard inquiry on my credit report per XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Experian Information Solutions 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:
Experian customer service would not help and take care of the negative inquiries reporting to your credit report which are unauthorized and listed below 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 non-monetary relief
Consumer complaint received 2021-04-07
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Midland Credit is the company I was being sued by. I paid off in full in the beginning of XXXX. I received paid in full letter from Midland Credit and was told by representative no forward actions would be taken and they would forward information to the court. After speaking with the company over 3 times court has not received anything from Midland Credit and they have place a judgement against me. 
Please Advise. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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