BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXX/XXXX/XXXX I mailed dispute letters to each credit bureau and it is now XXXX/XXXX/XXXX and I still have not received any responses from any of the credit reporting agencies. It has been well over 30 days and a response is required. This is a direct violation of my rights and has impacted my XXXX XXXX negatively.

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 2017-10-06
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Firstpoint Collections is trying to collect on medical debts that were a result of medical fraud/identity theft. I have disputed the debt with credit bureaus but Firstpoint continues to verify when all they can really do is validate. the debt ca n't be properly validated because it 's a result of fraud. I have sent the necessary paperwork and have submitted the original police report but still no resolve. I 'm filing this complaint as non compliance under the FDCPA and FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Resurgent Capital Services L.P.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a letter from XXXX XXXX XXXX Address : PO box XXXX XXXX, IL XXXX. Account reference no XXXX. I confirm over the phone my the last XXXX digits of my SSN are correct ; my last name is incorrect ; I advised the agent that is no my legal name announced that I am a FRAUD VICTIM., and I have an EXTENDED ALERT on all my credit files. Also advised that this account was opened fraudulent over 19 years ago, XX/XX/2002 ; at the time, I was a minor. The agent told me I do not care what you are describing how you will pay for this amount you own, or We will be a force to pursue legal action against you. After requesting to speak to a manager or supervisor, the supervisor hangs up the phone after insulting me. I contacted this creditor several times and was placed on hold, and I was told several times ( " DO WHATEVER YOU LIKE WE DONT CARE '' ) I notified this collector that I would be filing a complaint with FDCPA, and they hang up the phone again for the fifth time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I sent money thru my cash app to someone but it was the wrong person I asked them for the money back and tried to make a dispute with cash app and they told me they couldn't do anything

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
For the past 4 months, I ; ve been trying to access my Coinbase account without any success. Coinbase states authentication problem, but after a dozen of email, they still have failed to provide any meaningful support and to dateI still dont have access to my account. This I suspect is a fraudulent company, but I still need to deal with them since the retain funding of my crypocurency account. I am kindly requesting your assistance in this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-29
Company: SYNCHRONY FINANCIAL
State: CA
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:
Greetings, Today I had an inquiry on my report that negatively affects my score from a company that I've never dealt with and have NOT authorized them to review my file. I reached out to XXXX XXXX but they said I needed to reach out to SYNCB, however, I have no clue who they are and have no idea how to contact them. Please help me remove this from my file. Thank you. 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 2017-07-28
Company: Experian Information Solutions Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is showing up on my Experian credit report as an unpaid collection. The amount is {$50.00}. I have know that this debt is not mine as I have several listed on my Experian report. I need XXXX XXXX to remove it from my Experian report. Someone has used my social security number at a hospital and that why this collection is showing negative and a collection on my credit report.

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 2017-10-25
Company: CITIBANK, N.A.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Husband and I Have a 20 year fixed note and we took out the loan in XXXX and the maturity date is approaching which is XXXX within 4 months to be paid off and we received a statement from Citimortgage saying that we owe XXXX which looks like a balloon payment and its not, it is a fixed 20 year note. 


I spoke with Citimortgage on XXXX/XXXX/XXXX yesterday and the representative that I spoke with said they took out more interest than principal and I asked to speak to his manager and he put her on the phone and she said to me so the explanation he provided to me was not to my satisfactory and I said no and i would contact the COB and CFPB and she said she noted my account with that information as they were no help to me. He also said if we did n't have the {$15000.00} to pay this loan in full in XXXX that we would be directed to a special department who would arrange for payments which will look like it is in a default status and my husband and I have great credit ratings in the 700 score range and that would hurt our credit. Please investigate this as I believe all these years our account has not been handled properly and they applied more interest than what was suppose to be applied?

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 2020-04-25
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: Information belongs to someone else

Complaint:
XXXX  XXXX XXXX XXXX Account Opened XX/XX/XXXX Balanced Owed {$1600.00} Account Number # XXXX XXXX  XXXX Account Opened XX/XX/XXXX Balanced Owed {$430.00} Account # XXXX These accounts do not belong to me, and I have tried to dispute them. 


These inquires below do not belong to me either XX/XX/XXXX XXXX  XXXX  XXXX XXXX   XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/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 2021-05-14
Company: Crossroads Systems Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/2021 I received my docusign loan documents. XXXX XXXX is the platform that I used to request the loan. I was told I would be funded in 7-10 working days its been 34 days. I created several funding inquirie tickets, I called ( XXXX ) XXXX, I spoke with the receptionist. She told me 24-48 hours someone would reach out to me. They have the funds and XXXX XXXX is the CFO on the promissory note. My SBA Loan # is XXXX. I signed documents before people that signed on XXXX or later and they are receiving their funds. Its like they just forgot about disbursing my loan that been approved by the SBA and sent to Capital Plus Financial.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Experian Information Solutions Inc.
State: SD
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:
Unable to contact Experian, they do not have disputes online for the false address issue. 
They corrected one false address and more popped up! 

XXXX XXXX XXXX XXXX XXXX, SD XXXX Not my address, never lived there, Exwife 's address! 

XXXX XXXX XXXX XXXX, SD XXXX Fake address, don't know where it came from never had this address suspect fraud by Experian! 

Experian needs to join the 21st century and update there system, not everyone can sit on the phone for an hour to correct their credit information!

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 2020-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been trying to access the XXXX website for a week and it is not available for my country, Puerto Rico. Every time I try to access I get the following message : XXXX XXXX XXXX The XXXX website is not currently available at your location. Visit XXXX or www.consumerfinance.gov/learnmore/ to learn how you can request your free U.S. credit report by mail. 

Why can't I access the web? By mail it takes a long time and I have the right to access it like other countries. 
I am a XXXX XXXX and I refer clients to use the access and they have not been able to do so either. 

Thank you for you assistance.

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 2017-10-25
Company: VIRTUOSO SOURCING GROUP, LLC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX/XXXX/XXXX I received a call on my cellphone from area XXXX same area code as my mothers doctor. Return call to find out it was from XXXXXXXX XXXX. They are in XXXX, Colorado. Why not be honest and use the correct calling area, Customer rep told me they handle XXXX XXXX  accounts. That this account was with them since XXXX/XXXX/XXXX at or about XXXX/XXXX/XXXX they reported this to credit bureau. No letter XXXX just threw on report. 
I told her how could they have account when only letter came from a company called XXXX. That they replied with a cease collection on this account. ( enclosed copy Look at the dates! 
I am asking remove negative from credit report. They do dot want to get involve in this horror with XXXXXXXX XXXX 
Just for your information XXXXXXXX XXXX offer me {$150.00}. I refused ( This was a 2 year contract- They fail in so many ways not your problem. Also refused to register mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: EQUIFAX, 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 applied for mortgage loan ( XXXX XXXX ) and I consent for my credit to be run only once. But I check my credit report and the company ran my credit four times on different dates, which I did not consent to and did not receive any notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: TRANSWORLD SYSTEMS INC
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi, upon checking my credit files I saw I have a collection account with Transworld Systems Inc and it said the original creditor was XXXX XXXX, I reached out to all 3 credit bureaus ( certifiedd returned receipt ) and asked them for any documents they have on my file with this company, they sent me a letter saying that this account was verified as accurate by the collection company and to reached Transworld Sysytems Inc if I wanted more information. On XX/XX/2019 I sent them a certified letter asking them for any documents or bearing my signature or any contract to see if someone stole my identity or what because I have not NEVER in my life opened any account whatsoever with XXXX XXXX or this company, they have not answered any letter and keep on reporting this negative account to the credit bureaus damaging my credit file. I want to buy a home in the coming months and when I went to check my file this is what I found, now I have to litigate this knowing I have never opened any type of utility service with them or any company before. They never sent me any letter NEVER saying that I had a collection account with them nor to dispute this on 3o days, nothing at all. I want this deleted from all my credit files please. attached is the letter that i sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: Experian Information Solutions Inc.
State: MN
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:
My name is XXXX XXXX and I was a victim of identity theft and since XXXX someone has been using my social security number to open up accounts I told Experian, XXXX  and XXXX  about this but they still choose to report false accounts my credit file Experian is the Ring leader of bad information XXXX XXXX XXXX was open by someone else XXXX  my account and it has been closed with I only used the XXXX  XXXX for direct deposit that's it and that's all XXXX  was not my bank just a direct deposit services XXXX  has my birthday wrong ... And when I was sick with XXXX XXXX XXXX was when XXXX closed my direct deposit account my information on these credit platforms are totally false and they refuse to take the bogus info off my file I'm XXXX  XXXX survivor and Experian and XXXX XXXX false report

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 2022-04-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX i have been contacting and disputing Equifax Inc since XX/XX/2021 about a late payment that reporting inaccurate, the company did not conduct a reasonable investigation into the matter account name : XXXX ACCOUNT # XXXX Equifax Inc still reporting a late payment on credit report since XX/XX/2021 that wasn't corrected. According to the Fair Credit Reporting Act. 15 U.S. Code 1681c-1 ( a ) ( 3 ) ( 4 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.your role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, and notifying them of the dispute and disclosing all relevant information regarding consumer dispute. When you contact the furnisher or vendor, you ask that they verify all of the information regarding the item disputed and report back within 30 days of the date that consumer received request. To help resolve the dispute, you Equifax Inc. shall review all relevant documents submitted with the dispute and will forward them to the furnisher if you are unable to resolve the issue. Equifax Inc shall review and consider the furnishers or vendors response to determine whether to accept it, reject it, or follow up for additional information. If, after processing, you find that the disputed information is inaccurate, incomplete or can not be verified, we then delete or modify that information, as appropriate. If we do not receive a response from the furnisher or the vendor within the required period, we update the item as you have requested or delete the information, and send you the results. Equifax Inc able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendor. After you complete the processing, as a Consumer reporting agency see ; 15 u.s code 1681i ( a ) ( 1 ) ( A ) you shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) im attaching all supporting documents such as bank statements to support my calm " XX/XX/2021 '', '' '', '' XXXX Transaction - XXXX XXXX XXXX XXXX  XXXX '', '' XXXX '', '' '' " XX/XX/2021 '', '' '', '' XXXX Transaction - XXXX XXXX XXXX XXXX  XXXX '', '' XXXX '', '' '' " XX/XX/2021 '', '' '', '' XXXX Transaction - XXXX XXXX XXXX XXXX XXXX '', '' XXXX '', '' '' " XX/XX/2021 ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There are current unverified accounts on my credit report. I have contacted the company with in XX/XX/2019 listing the unverified accounts. They responded with that the accounts have been verified. They did not send me the requested contract from the lender nor did they show me what information they used to verify these accounts. I sent a second letter attached below and got a will not reinvestigate as a response. This letter only was requesting a copy of the original documentation, which is required under section 609, used to verify the accounts and to delete all accounts which can not be verified. These unverified accounts are causing me stress and inhibiting my ability to obtain personal 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 2021-05-14
Company: Finance System of Richmond, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Finance System of Richmond received my letter disputing certain items listed on my credit report over thirty ( 30 ) days ago. The items were inaccurate and incomplete. I even attached a copy of the original letter they received via certified mail. they still have never sent me any information regarding this alleged debt, which I have disputed ( which is a violation of 15 USC 1681 s-2 ) Under the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( B ) & ( a ) ( 2 ) ( B ) a data furnishers compliance is required. Pursuant to 15 U.S.C. 1681I ( 5 ) ( A ), they have thirty ( 30 ) days from receipt of a letter to respond to a request for verification of the erroneous items. The thirty ( 30 ) days has now expired, and I have not heard from them. Therefore, it must be that the information on my report was either inaccurate, or it could not be verified. In either case, according to the provisions of 15 U.S.C. Section 1681i ( a ), the items must be deleted immediately. Pursuant to 15 U.SC. 1681i ( d ) of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation