BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
I originally filed bankruptcy in XXXX under chapter XXXX and discharged under chapter XXXX in XXXX. Bankruptcy law stipulates you can only file chapter XXXX in Wisconsin once every 8 years. Credit reporting is showing I filed and twice in the same year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Made a car rental reservation [ Rental Agreement # XXXX, XX/XX/XXXX pick up in XXXX, XXXX ] directly with XXXX at the XXXX website ( i.e. NOT a 3rd party website ). Contract showed price of XXXX euros. At time of pick-up, I noted the charges detailed on my rental agreement were incorrect and I questioned it, and was told, " that is just a hold on your credit card in case you don't return the car on-time, full fuel tank, or other misc. charges. It will " wash out '' when you return the car ''. 

When I returned the car, the check-in statement showed XXXX euros -- an overcharge of XXXX euros. I've provided detailed info several times to Citibank. They've provided several responses from XXXX -- none of which makes sense. I can not identify all of the XXXX euro overcharge, but the main item is XXXX euros for " liability insurance ''. My XXXX rental profile clearly states that I decline any XXXX insurance, including liability [ my credit card provides this coverage at no cost ]. Even more confusing, a document provided BY XXXX to CITIBANK and forwarded to me today is a document that I signed at the time of rental stating : " Acknowledgement of Liability : I have decided NOT to purchase Collision Damage Waiver, Theft Protection or Damage Excess Reduction. I am aware that I am liable for ALL damage to the rental vehicle. I acknowledge that XXXX offered me cover but I have declined ''. Next to both of these statements is a " block '' where I had to place my initials. 

Another block further states : " My liability is for the FULL Value of the vehicle and related costs. '' This section required that I sign my full signature. 

So, XXXX themselves have provided information that proves I declined this add-on cost. It seems that Citibank simply forwarded the documents to me XXXX from XXXX XXXX without even bothering to read them. 

Regardless, how can any company think they can legitimately DOUBLE the cost of a reservation/contract with a customer with unsupported charges!??! 

A further irritation with Citibank is that they provide 4-6 weeks for the company XXXX XXXX XXXX to respond, but allowed me only 10 days to rebut. The most recent letter, although dated XXXX was not received until XX/XX/XXXX, and requires my reply by XX/XX/XXXX. U S Postal Service from XXXX XXXX SD to XXXX GA is 3 days ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
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 am a victim of identity theft. I have contacted TransUnion several times explaining this situation and submitting the requested documents as proof. I have an extended fraud alert on my reports as well. The following accounts should be deleted and blocked from my credit because they are fraud accounts XXXX XXXX XXXX, XXXX/XXXX  XXXX, XXXX/XXXX, XXXX/XXXX  XXXX, XXXX XXXX  XXXX XXXX. My name has been alerted the only name I have been known by is XXXX XXXX, which I have provided my ID & social security card several times with this information. I have also asked that the inquiry XXXX/XXXX be deleted this is not something I requested and is also a results of someone attempting to open more fraud accounts in using my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-05-23
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Balances showing {$200.00} and some dollars. Was report by XXXX XXXX however when I spoke to them they said that I was still in good standings and did not owe them anything that I'm on pay-as-you-go with a payment of XXXX amount. 
I would like this removed from my credit due to damages that it's done to it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Company: Southwest Credit Systems, L.P.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is absurd, Ive sent a letter to XXXX requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and or other supporting documentation. They provided me with billing statements which does not prove that I am obligated to pay them anything. A bill is NOT validation of an account, Im devastated that They have reported delinquent information to the credit bureaus without being able to properly VALIDATE this information. I feel violated, Im requesting this account to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2018 i was offered a settlement offer in exchange for a pay for deletion. The debt was paid. Fair collection & outsourcing was removed from my XXXX   report. Yet it is still showing on my XXXX and XXXX as i owe them.

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 2020-11-15
Company: WELLS FARGO & COMPANY
State: KY
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-03-25
Company: Winklevoss Exchange LLC
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
so I signed up through XXXX XXXX XXXX i did research on who owned the company and all that looks very promising seen positive reviews right? well, its been about XXXX months now, they let you sign up start the verifying process and even though you send all the proper documentation it allows you to deposit money but not withdraw it, you cant even move your assets out of the site without being verified. I've sent emails and even tried reaching out on XXXX and to the best of my knowledge nobody in this boat has had any success with it. I'm at my last straw. there is nothing worse than feeling the constraints of your financial opportunities being blocked without response. I get that they might be busy, but there really isn't any excuse for it, the easy answer is hire more people and the cheap solution is letting your customers know they are working on it, not some computer generated copy and pasted response. I've even tried calling their phone number but there is literally no customer service on the other end its just a voice recording making you feel even more isolated. 

so no email response no phone response no social platform response I've started thinking the XXXX brothers have decided trying to take companies from people was to hard and its much easier to just steal investor money. 


Gemini Trust Company , LLC XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX ; - Call Customer Support at XXXX ( XXXX ) XXXX ( toll-free in the USA )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: EQUIFAX, 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 had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. The accounts that are not mine which should be deleted.I had very good credit, limited debt, and paid most or all of my accounts on time. I have always been very responsible about my credit. The fact that numerous accounts are suddenly on my credit, opened at the same time period and which are all in default, should make it obvious that these accounts are not mine and never were.I believe that personal info was used by some one else to open this account. I am a victim of identity theft. Federal law requires you to respond within 30 days, yet you have failed to respond. Failures by credit reporting agencies to comply with these federal regulations are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445, you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
The account is closed and I have tried to pay it off, but XXXX 's will not let you talk to anyone and keeps reporting the account. Then they said it's with a third party collection company that is unidentifiable and they will not give any contact info. The credit bureaus keeps letting them verify info and the said info is not correct. They are ruining 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 explanation
Consumer complaint received 2020-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Poor investigation. XXXX did a timely investigation and found that these accounts did not belong to me and removed the information from my credit report. The accounts are as follows : 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 2018-07-02
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had hurricane damage to my home and received money from my insurance company to make the repairs. Flagstar has held these funds unnecessarily and repeatedly failed to answer my questions or to follow up with me on concerns that I have raised. The main contact I have been dealing with is XXXX XXXX XXXX, who takes weeks after my continued emails to respond to me. I am having to drain my own bank account to pay the roofing contractor to make the repairs, which is entirely unnecessary.

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 2018-02-14
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, South Carolina is a Predatory Lender. I purchased used car a XXXX XXXX XXXX for {$9000.00} with cash payment down of {$2000.00} making the financing by XXXX XXXX XXXX for {$7000.00}. 

Due to Financial Difficulties I did a Voluntary Surrender of the car back to XXXX XXXX XXXX on XX/XX/XXXX. 

XXXX XXXX XXXX took a {$7000.00} car and sold it for {$2000.00} at an Auction and billed me for the balance of {$5000.00} now on this date of XX/XX/XXXX the {$5000.00} balance has grown to {$5900.00}. 

I want an Investigation Into the Criminal Fraudulent Activities of XXXX XXXX XXXX in trying to Collect Double what the car was financed. 

Selling a {$7000.00} car for {$2000.00} was a giveaway and XXXX XXXX XXXX didnt try to collect the Market XXXX XXXX Value of the Car. 

Waiting for your reply. XXXX XXXX XXXX should not be In business. Right at this point they are in the Business of Predatory Lending and Cheating their Customers. 

Any resale of a repossessed vehicle must be conducted in a commercially reasonable manner. Your creditor doesnt have to get the highest possible price for the vehicle or even a good price. But a resale price that is below fair market value may indicate that the sale was not commercially reasonable. Commercially reasonable may depend on the standard sales practices in your area. A creditors failure to resell your car in a commercially reasonable manner may give you a claim against that creditor for damages or a defense against a deficiency judgment

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 2020-06-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of idenity theft.

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 2018-02-21
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX is listed on my credit report and the company did not disclose proper information regarding amount owed and bill break down to explain debt. I never received anything in the mail informing me of debt prior to it being posted to my credit file. I do not acknowledge or accept the debt as listed and denounce any ownership of the debt. I believe this is a result of identity theft because my identity was stolen and inaccurate information exists on my credit report. Company failed to provide sufficient, factual information to prove this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was recently contacted back in XX/XX/XXXX by a debt collection agency by the name of XXXX. The male representative was very adamant and convincing that this was my debt. He went on to tell me that failure to comply and make payments would result in me being sued and having my check garnished. I immediately got frightened. I'm a XXXX XXXX and live off my tips so the thought of my check being garnished had me alarmed especially when I just XXXX XXXX. The representative went on to say that I had a credit card through Bank of America and I owed them over {$1400.00}. Me not aware of what was being reported on my credit report at the time and not taking the time to realize that I never applied for a Bank of America credit card, I agreed to make a monthly payment every month towards the balance. I have currently still been making monthly payments up until last month. Just recently I contacted Bank of America something I should have been done and discovered that this account was a charged off account and that it was open in XX/XX/XXXX. I  am a victim of identity theft. I spoke with a representative from Bank of America and she informed me that there was no balance owed on this credit card account and that they did not sell this account to any debt collector agency. She said this account was past the 7 year mark and that I shouldn't had been making any payments. She said that there were no second or third party companies involved nor did they sell my account to a debt collection agency.

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 2021-07-18
Company: JPMORGAN CHASE & CO.
State: NJ
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 account is from a business account not my personal account. The company was severely impacted by covid 19 and has not been able to revive. This should not be reflected on my personal credit as I have struggled to maintain a respectable credit history and find it unjust that they would tarnish my personal credit because my business was so badly impacted by Covid 19 that it was unable to pay this credit card. I ask that this be removed from my personal credit history as it's a business account and should reflect solely on that. This was a hard situation to go through as a business and going further to try and attack me personally is simply unjust and unnecessary. No one was prepared for the impact Covid 19 took on our world why go the extra mile to make this that much worse is beyond me.. I ask that you please help me in this situation. Thank you in advance for your understanding and help. 

Kind Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-25
Company: USCB Corporation
State: MT
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I ATTENDED XXXX XXXX XXXX FOR A WHILE THEN COULD NOT CONTINUE DUE TO HEALTH REASONS. THEY ARE TRYING TO COLLECT ON SERVICES NEVER RECIVED

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 2020-06-29
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am contacting you again because I filed a complaint about Experian on XX/XX/20 complaint XXXX explaining that accounts for XXXX XXXX, Division of Child Support, XXXX, and XXXX XXXX were not my accounts. All these accounts are FRAUD accounts and need to be deleted and BLOCKED from my Report. I did not open these accounts and have not received anything form these companies. I was told that the investigation would take 30 days but I have allowed well over that period of time & they are still reporting these accounts as of XX/XX/20. I am asking again that these accounts be deleted from 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 explanation