BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-12
Company: MARINER FINANCE, LLC
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:
this company is claiming i opened an account i never done business with them and never authorized anyone to open any account i never been or shopped with XXXX   like they claim i filed a police report and here it is if they dont remove it this time my next step is to take them to court

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 2019-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The following accounts are reporting to my credit report in error. They must be removed immediately as they are the result of identity theft. I already filed a complaint with the FTC and local authorities. 

1 ) XXXX XXXX XXXX for {$490.00} opened XX/XX/XXXX 2 ) XXXX for {$4600.00} opened XX/XX/XXXX 3 ) XXXX XXXX XXXX for {$490.00} opened XX/XX/XXXX 4 ) XXXX XXXX for {$100.00} opened XX/XX/XXXX XXXX ) XXXX XXXX XXXX with {$0.00} Balance Opened XX/XX/XXXX 6 ) XXXX XXXX for {$520.00} Opened XX/XX/XXXX 7 ) XXXX XXXX XXXX for {$100.00} Opened XX/XX/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 2018-01-14
Company: EQUIFAX, INC.
State: CA
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 Reported a late payment to my credit report back in XXXX 2016.  The account was never late and when I contacted them about the error, they started that my payment amount had gone up by a few dollars but they never notified me of the changes because my payment amount had been the same for eights years and they cashed the check that was sent in as it was every month This caused my credit score to drop and it has been very stressful trying to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 Reported a late payment to my credit report back in XXXX 2016.  The account was never late and when I contacted them about the error, they started that my payment amount had gone up by a few dollars but they never notified me of the changes because my payment amount had been the same for eights years and they cashed the check that was sent in as it was every month This caused my credit score to drop and it has been very stressful trying to get this matter resolved.

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 2018-01-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Hi I tried to contact Equifax, XXXX and XXXX. I noticed I have a lot of Hard inquire who DO NOT HAVE written or verbal permission I demanded they remove it and I 've tried three times all they keep forcing me to do is contact the companies and then the companies require I call the credit bureaus. I need them to REMOVE ALL HARD inquires I also spoke to someone they said they 'll remove it all for me but they failed to do this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: EQUIFAX, INC.
State: CA
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:
questions on the equifax site asked to verify my identity when completed the site tells me it can not confirm my identity. I have called them and confirmed but nothing was fixed i am under the impression that a credit card or loan was taken out in my name that i did not authorize. Is there anything that the CFPB can do for me in this case?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: REGIONS FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
I filed a chapter XXXX XXXX. My bankruptcy has currently been completed as of XX/XX/XXXX. Doing the bankruptcy I didnt include my mortgage. I paid it outside of the bankruptcy. Regions Mortgage and Bank will not report accurate information on my first and second. The bank says its the credit company and the credit comapny says its the bank.

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 2018-01-14
Company: CITIBANK, N.A.
State: CA
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:
CITIMORTGAGE Reported a late payment to my credit report back in XXXX 2016.  The account was never late and when I contacted them about the error, they started that my payment amount had gone up by a few dollars but they never notified me of the changes because my payment amount had been the same for eights years and they cashed the check that was sent in as it was every month This caused my credit score to drop and it has been very stressful trying to get this matter resolved.

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 2018-01-14
Company: Experian Information Solutions Inc.
State: CA
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 XXXX Reported a late payment for my mortgage back in XXXX 2015. This account has never been late and they have refused to correct the error. I 've been very patient with this matter but i 'm tired of them ignoring to fix the problem and it has affected my credit score in a negative way.

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 2018-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX Reported a late payment for my mortgage back in XXXX 2015. This account has never been late and they have refused to correct the error. I 've been very patient with this matter but i 'm tired of them ignoring to fix the problem and it has affected my credit score in a negative way.

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 2019-07-22
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:
There are two accounts on my credit report that do not belong to me. I was incarcerated during the time these accounts were open so they are identity theft. I complained with local authorities and the FTC. These 2 items must be removed immediately! 

1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$0.00} Balance 2. XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$11000.00}

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 2018-04-03
Company: Coinbase, Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I created a Coinbase account in late 2017. My identity was " verified '' by them on numerous occasions. Despite this, I can not access my funds because Coinbase continues to say that I need to verify my identity. I have congratulatory emails from them stating that my identity has indeed been successfully verified. I've sent multiple emails to their support team only to get back an auto response telling me to keep trying to verify my identity. On their own site it even shows that my identity has been successfully verified. I'll attach a screenshot. At this point I just want to close my account and get my money back but I can't even do that. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: EQUIFAX, INC.
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:
I recently conducted a review of my credit report, and I noticed that your agency showed ten ( 10 ) credit inquiries that I find problematic. 

XXXX made the first inquiry in question on XX/XX/2018, XX/XX/2018, and XX/XX/2018, and I have no recollection of doing any business with XXXX. 

I contacted XXXX and asked them to act to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would follow my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, to make sure this gets done. 

XXXX XXXX made the second inquiry in question on XX/XX/2018, and XX/XX/2018, and I have no recollection of doing any business with XXXX XXXX 

XXXX made the third inquiry in question on XX/XX/2018, and XX/XX/2018, and I have no recollection of doing any business with XXXX. 

XXXX XXXX made the fourth inquiry in question on XX/XX/2018, and I have no recollection of doing any business with XXXX XXXX. 

The fifth inquiry in question was made by XXXX on XX/XX/2018, and I have no recollection of doing any business with XXXX. 

XXXX XXXX made the sixth inquiry in question on XX/XX/XXXX, and I have no recollection of doing any business with by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: Consumer Portfolio Services, Inc.
State: GA
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 already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2019-04-05
Company: EQUIFAX, 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 information reporting on equifax is not my accounts. Ive tried numerous times disputing these accounts. I hope you can assist me in resolving the issues with my report at equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-14
Company: AFNI INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My husbands parents in a different state received a collection notice for {$110.00} for him from AFNI, Inc. The problem is, our account from our internet provider ( for which the collection notice is referring to ) is paid and in good standing. I called our internet provider and they said our account is fine. The collection notice had the wrong P.O. Box, the wrong phone number, and the wrong last four digits of the zip code-they were all different from the information on the real collection agencies website. This is a huge issue and an attempt to steal my husbands identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My name is XXXX XXXX SS XXXX DOB XXXX XXXX XXXX XXXX XXXX OH XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My I have attached my bank SS Card and DL for proof of ID

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
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 fraud alerts or security freezes

Complaint:
My name is XXXX XXXX SS XXXX DOB XXXX XXXX XXXX XXXX XXXX OH XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My I have attached my bank SS Card and DL for proof of ID

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 2019-07-22
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My name is XXXX XXXX SS XXXX DOB XXXX XXXX XXXX XXXX XXXX OH XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My I have attached my bank SS Card and DL for proof of ID

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 2017-11-27
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: Information belongs to someone else

Complaint:
I have been trying to have incorrect information Collection companies/debts that are fraudulent and are not mine Incorrect statements that do not match my true history removed Over 31 inquiries that have impacted my score d/t another using my name etc .... 
Fraudulently -- - I have sent Info for removal XX/XX/XXXX XX/XX/XXXX And XX/XX/XXXX That should have been enough time to remove incorrect items And return my correct credit bureau scores -- - I  sent letter from XXXX XXXX XXXX For information related to crimes against me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I have a loan with REGIONS BANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and ( REGIONS BANK ) with no successful resolution. XXXX   and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.

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 2019-07-22
Company: Southwest Credit Systems, L.P.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I tried to contact this collection company, Southwest Credit in reference to XXXX XXXX XXXX asking them to send Verifiable Proof ( Original Consumer Contract with my signature on it ) stating the debt of {XXXX} is mine. They have failed to verify this account which has hurt my ability to obtain credit. This collection company has sent several collection letters but no sign agreement. This acct doesn't belong to me. Under the FCRA, unvertified accounts must be deleted if the company is unable to provide me a copy of vertifiable proof and this company is refusing to do so. Please assist in having this account removed from my XXXX, XXXX and XXXX  report permantently.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I opened a XXXX 's credit card account on XX/XX/XXXX for the purchase of a mattress. 
On XX/XX/XXXX, I had not yet received a statement or physical credit card in the mail. XXXX 's does not allow online management of your credit account without inputting the credit card number online. Without the card, I was unable to do this. 
On XX/XX/XXXX I called XXXX 's and made a {$250.00} payment and informed them that I had not yet received the card. I was told that day that a new card would be issued. 
On XX/XX/XXXX I received a letter reflecting that they company had wrongly applied the recent payment to the wrong account. That letter references an account number ending in XXXX. 
The following day I received a statement in the mail from XXXX 's that shows an account number ending in XXXX, and that does not reflect the payment. 
On XX/XX/XXXX I called XXXX XXXX credit services. I was told that they have record of the {$250.00} payment and that no payment is due at this time. I re-stated the fact that I am unable to manage my account online because I still have not received the physical credit card in the mail. I was told that the credit cards are delayed because of bad weather in XXXX. 
My problems to be resolved are as follows : 1 ) The account has been open for nearly 2 full months and I have yet to receive the credit card.

2 ) I do not know what my appropriate account number is.

3 ) I am unable to manage the account online and ensure that payments are being applied appropriately, as the online account requires the input of the credit card information, which I have not received.

4 ) I do not have any written evidence provided from XXXX 's reflecting the {$250.00} payment that was made on XX/XX/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 2021-03-09
Company: Credit Management Control, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.

Company response to consumer: Closed with explanation