BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-17
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are 2 accounts showing and it's not mine. Please remove 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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX Account # 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 2019-09-11
Company: Franklin Credit Management Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Submitted an application to Franklin Credit Management Corporation in XXXX. We received a denial letter on XX/XX/XXXX denying our application for not having enough income. We had 30 days to do an appeal. On XX/XX/XXXX we submitted pay stubs ( new employer for XXXX XXXX my wife ), one profit and loss statement XXXX XX/XX/XXXX, and room rent. On XX/XX/XXXX we received another letter denying our appeal request because of the income. The income on the letter is not right. XXXX XXXX the account representative was absolutely rude and accused us of trying to manipulate the file. That is a big accusation from this person. We are trying to save our house. How dare can he accuse us of such a thing. XXXX XXXX was evil.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian has verified my correct name address and personal information. 
My name is only XXXX XXXX XXXX and my address is XXXX  XXXX XXXX XXXX LA XXXX. 
They have refused on all accounts to remove this inaccurate information from my consumer report after over 15 calls plus letters. 
They have on my Consumer report that I'm also Known as XXXX XXXX and I also live at XXXX XXXX XXXX XXXX XXXX LA XXXX. 
They also have me also known as XXXX XXXX and XXXX XXXX at XXXX XXXX XXXX XXXX LA 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 2023-02-25
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
EQUIFAX refused to update my account with XXXX XXXX. I sent them a 1099 c form and told Equifax the debt has been canceled by XXXX XXXX. They forgave the debt. While I still have to pay taxes to the IRS on this debt, I no longer owe XXXX XXXX. 

I submitted the documents to Equifax on XXXX that XXXX XXXX sent that clearly says THIS DEBT IS CANCELED. 

Equifax said they did an investigation and contact XXXX XXXX  who claimed nothing changed and did not change it to a XXXX balance. XXXX. 

If XXXX told them that I still owe them then the 1099. c form is fraud. I uploaded the 1099 c form to all 3 credit reporting agencies, XXXX Exquifax and XXXX XXXX. 

The only one who agree to the change was XXXX XXXX. While they did not remove the it off their credit report, at lease XXXX XXXX honestly looked at the 1099 C form from XXXX Bank and agreed I no longer owe this debt per XXXX XXXX. In turn, XXXX XXXX rightfully shows a XXXX balance owing to XXXX, while in XXXX and Equifax. deny I don't owe and left the balance unchanged. 

XXXX and Equifax told me to contact the XXXX and ask them for proof. I did contact them after I recieved the 1099 c form and the agent said I do not owe XXXX  it was forgiven, it was canceled as stated on the 1099 c form. The only reporting agency who is reading it correctly and making the proper changes is XXXX XXXX. 

Leaving me with an outstanding balance to XXXX by XXXX and Equifax is misleading to consumers who check my credit and kinda fraudulent and unfair

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted TransUnion several times via phone online, and via first class mailings on many occasions in regard to an account that was placed in my name that did not belong to me and that I did not authorize, and I am not familiar with. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have numerous accounts that does not belong to me reporting inaccurately. I have disputed and reached out to XXXX   several times and they say the same thing over and over. The companies either need to send proof or validation or it needs to be removed. These accounts do not belong to me. I've done the FTC Identity theft report ( XXXX ), I've called Transunion and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was taking care of it only to find out she had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following accounts are what is being reported : ( XXXX XXXX ) # XXXX account number. I also want the following unauthorized inquiries from XXXX, XXXX removed. I have even sent copies from XXXX  & XXXX  showing that they deleted items that TransUnion keeps saying verified. How can they all be using the same information, but some bureaus are correcting items & the other is saying verified which is totally incorrect.

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 2020-01-24
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been attempting to pay off an old debt that is marked as charged off on my credit report. This is relating to an old department store credit card for Macys. It is my understanding that the credit is through CITI Bank and when calling general customer service I was directed to XXXX and XXXX. Any time calling these numbers and reach an agent I am told I am being transferred to the Macys recovery line. When transferred I have been on hold for over an hour and have not been able to reach an agent to discuss or pay off the debt owed. This has happened on multiple occasions most recently I attempted to reach by phone on XX/XX/2020. I attempted to escalate the situation and speak with a supervisor but all agents at these numbers insist that no one else can help me and that they do not have a direct number to call the Macys recovery area, they can only transfer my call to a queue. The last time I attempted to call on XX/XX/2020 I demanded to not be transferred to this Macys recovery black hole where no one answers as it is completely unreasonable to wait over an hour and still not have an agent to speak to. The agent transferred me anyways - did not care at all about my problems or concerns and disregarded my request to speak with his supervisor. Is this normal for CITI customer service to not have steps to escalate phone calls and do the complete opposite of the customers request? This is unacceptable to treat customers this way - just pass them into this black hole queue and to not transfer my call to a supervisor when requested. I have also sent an email to the citi executive email box, on XX/XX/2020, and have not received a reply or phone call regarding my issue. I do know the email was received as I did receive an auto response email I just want to try and pay you the money I owe you - can someone please call me to discuss this? Or can I please get a phone number that is not a black hole of holding?

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 2018-02-09
Company: Credit Management Services, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Management Services contacted me regarding a hospital bill in XXXX XXXX XXXX Kansas which I have never been a client at or used services at, asked for verification of debt, the collection agency sent me the name & address of the hospital as " proof '' of the debt & said they considered that verification of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 2022-07-05
Company: Block, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Cash app charged me fees I was unaware of as well as it was explained via chat that I am XXXX and what the funds were used for and the fees are completely excessive in cost, I tried to get the fees reimbursed as a one-time courtesy and they refused which is in my opinion unethical unprofessional and quote frankly under the circumstances of the chat unprofessional. There have been no fees reimbursed through the remainder of the account!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I refinanced my loan and Loancare received the funds for the refinance on XX/XX/XXXX. Loancare appeared to charge {$920.00} for 16 days of interest in XXXX. This interest per day rate of {$57.00} was higher than the interest per day for the previous months, XXXX 's interest per day rate was {$20.00}, XXXX 's was {$20.00}, and XXXX 's would have been {$19.00}. I asked them to clarify why the interest per day rate was higher for the 16 days XX/XX/XXXX but they told me to call their XXXX number instead of providing an answer. The reason I sent in the complaint was so that they could investigate it and get back to me with the explanation. The telephone representative likely won't know why i was charged more interest in the final period before the refinance of the loan. I tried doing a web search to see if this is typical but didn't find anything.

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 2022-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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've asked XXXX and Transunion to VERIFY and VALIDATE the information reported on the Bankruptcy on my report for a year now. WHEN and IF they respond to my request they are keep sending me the same respond " We VERIFIED the account as ACCURATE with the reporting AGENCY XXXX or XXXX XXXX company. 

I also received a letter from TRANSUNION saying we verified the XXXX as ACCURATE and if you need more details CONTACT the COURT. 

I contacted the COURT and they sent me a letter that they DO NOT REPORT or SEND any INFORMATION about the PUBLIC RECORD to ANY BUREAU!! so WHERE and HOW did XXXX and the other bureaus VERIFIED and VALIDATED the information if there is NO REPORTING to any of them or any of then have a way to get the information??? 

IT IS A COMPLETE VIOLATION of reporting according to the FCRA!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-09
Company: Coinbase, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, I sent XXXX Ethereum [ {$5000.00} at the time ] to a smart contract from my Coinbase account, which failed, resulting in the money being sent back to my coinbase account. However, the wallet which it was sent back to belongs to Coinbase, and Coinbase has yet to place the funds back into my account. To date, XXXX has not sent me my funds back. The transaction Id was XXXX [ viewable at XXXX XXXX XXXX   ] The funds were sent back to XXXX XXXX XXXX where they still sit to this day. 

I have been unable to get Coinbase to rectify this matter. It should take about 3-5 minutes total for them to move the funds from this wallet to mine. It is unacceptable for this delay in time regardless of how " overwhelmed '' they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : 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 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 non-monetary relief
Consumer complaint received 2022-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
I signed up for the Transunion Credit Reporting and thought it was free. I used it for a couple days then decided it was no longer needed. Now, I've been making payments on my credit card for months and didn't understand why my balance wasn't really changing. I looked to see if there were any other charges besides interest and there were. I tried logging into my account but when I get to the security question it will not let me pick one to answer. I've called them over the past week and sat on hold every time for hours at a time.

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 2018-12-21
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2023-07-19
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Account was charged off by XXXX XXXX XXXX  while under XXXX XXXX. Alleged debt is incorrect as there are fees that are applied that contradicts the program agreement. True known amount of any outstanding balances are unknown. This account has unauthorized charges, inaccurate account fee ( XXXX ) and was under dispute and protection at the time the account was sold to the alleged account buyer LVNV Funding LLC. 

I DO NOT OWE WHAT THEY ARE ATTEMPTING TO COLLECT. LEGAL DEBT OWNERSHIP DOCUMENTS HAS NOT BEEN PROVIDED. LEGAL CHARGE OFF DOCUMENTATION FROM ORIGINAL ACCOUNT OWNER HAS NOT BEEN PROVIDED. LEGAL DEBT BUYER OWNERSHIP NOT PROVIDED. 

I WILL NOT BE BULLIED INTO PAYING AN ACCOUNT THAT IS INACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: EQUIFAX, INC.
State: LA
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 sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: FREEDOM FINANCIAL NETWORK
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I applied for personal loan to consolidate some credit cards into one payment, freedom debt relief contacted me at the end of XXXX beginning XXXX. Stated they would give me a loan, after denying multiple times when asked if they were a debt consolidation, all I would have to do is change my billing address so freedom financial would get my statements, I would have automatic drafts come out of my account to them and they would pay my credit cards. Wasnt until I received an email from a credit card company stating I was delinquent that I called the company they stated then they have the credit card companies settle before they make payments.. destroyed my credit score and after that freedom financial offered me a ridiculously high interest rate loan to pay off the even higher accounts since my credit was so low I couldnt get a loan from anyone else. They never explained that I paid fees that I could claim so I didnt have to pay the full amount of taxes when I received 1099Cs so I ended up on top of everything paying {$3000.00} in taxes also

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was a victim of identity theft back in XXXX  where my social security number was compromised and resulted in someone falsifying my tax reporting. I have been battling multiple accounts and items that I have had no knowledge of or relationship to speak to the debt accumulated. This is hurdling me in many areas of my life, and I have tried multiply times to dispute these claims, but no resolution has been made that will allow me to move forward with my life from this point forward.

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