BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I sent TransUnion a letter disputing and laying out multiple errors in my credit file pertaining to a credit card account with XXXX XXXX  with an account number of XXXX. The account showed an incorrect balance of {$5500.00}, a past due amount of {$5500.00}, a payment amount of {$0.00}, and a date of last payment of XX/XX/XXXX. In addition, the account failed to note any previous disputes I had made, which is a violation of my rights. In my dispute letter, I included a settlement agreement with XXXX and cancelled checks showing I met the requirements and satisfied the full account balance. I received a response from TransUnion on or about XX/XX/XXXX that said a change was made to the XXXX account ; however, none of the items I disputed showed any changes. The account still showed a balance and past due amount of {$5500.00}, despite the fact I sent them proof showing that to be false. The account did not show any notation of my recent dispute or that it was settled.

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 2018-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 received a lot of information on my credit thats not mines .XXXX  XXXX, 3 XXXX XXXX accounts, 2 XXXX XXXX, 2 XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX . Several inquiries. I have no bad information on my credit. inquiries, 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 XXXX, XXXX, XXXX XXXX   XXXX,   XXXX several times, XXXX, I have like 100 inquiries. I dont apply for 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 2020-05-17
Company: EQUIFAX, INC.
State: VT
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:
Some time in XX/XX/2020 I placed a call to XXXX inquiring about an education loan that was showing up on my credit report. I gave XXXX my information and they were unable to locate an account. The representative was able to locate an account when I gave my social security number but nothing else matched. I was told I would receive paperwork in the mail and to fill it out and send it back. On XX/XX/XXXX, I sent back to XXXX the completed form, with copies of supporting documentation such as my social security card, my driver 's license, etc. 

I heard back from XXXX on XX/XX/XXXX asking for a copy of my high school diploma. I got in touch with my high school and all they were able to do is provide me with a copy of my transcript. Being as that I graduated high school 16 years ago, my high school is unable to re-issue a diploma. Further more, it is not something that they make in-house and would have to find the business that they worked with 16 years ago to produce another diploma. They assured me it was a certified copy and that it should serve whatever purpose I needed it for. I sent a copy of the diploma to XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter that XXXX was unable to verify my claim of identity theft and that the loans were mine. The reasons they gave were that I requested deferments/forbearance/consolidation/forgiveness, and submitted correspondence acknowledging responsibility for the loan. 

On XX/XX/XXXX, I responded requesting evidence and documentation of these requests for deferments/forbearance/consolidation/forgiveness, and copies of any and all correspondence I have submitted that acknowledged my responsibility, and payment history, dates and and amounts of any and all payments made on the loan. I also requested description of the procedure XXXX used to determine thevalidity, accuracy and completeness of the student loan such as the school name, address, name of person contacted, and telephone number. 

On XX/XX/XXXX, XXXX sent a letter stating that they were unable to confirm my claim of identity theft/forgery for the following reasons : requesting deferments/forbearance/consolidation, not receiving requested documentation to substantiate claim, and that I expressed interest in enrolling in alternate repayment programs. 

I need help. It seems like XXXX is looking at me as a person with a genuine and legitimate concern. I only receive form letters saying the same thing over and over. I have sent everything they have requested but there is no acknowledgement of these documents. The loan does not belong to me and I need help just getting them to listen and look at all the evidence I have provided. I was not even in US during the times XXXX said these loans were borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have never received any verification of debt. They appear on my Credit Reports, However never contacted me, never sent me any letters as to who they are and why they are on my credit reports. I contacted this company and their response was that I owed them {$570.00} from an account from 2013. I do not recall owing on any account from 2013. Their response was very vague and not informative at all. I even tried to pay in full as long as they would delete this from my credit report and they told me that, that was impossible to do. They are basically holding my credit scoring in a horrible situation as this is my only negative account. Meanwhile they will not provide me with any verification on this so called account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX  XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: Coinbase, Inc.
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
1 week ago I was locked out of my COINBASE account that is holding {$4000.00} of my money and I have emailed 6 times left 5 messages and tweeted to their support. I 've gotten no responses at all and have found numerous others dealing with the same problems. There is no support and out money is being literally stolen in front of us. This is fraud beyond fraud and some have been waiting months to get into the a account. Also, to email support, you have to sign into the account which you ca n't when locked out. The support number only tells you to email which the posted they do not respond to. This business should not even be running. It 's a XXXX XXXX based company doing this!! I want resolution asap!!!
Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
Hard Inquiry was done on my credit without my permission and without a reason to do so. The hard inquiry that was placed by XXXX XXXX XXXX was placed without my knowledge, as well as, XXXX XXXX XXXX did not get my permission to do this. I had an account with XXXX XXXX XXXX in the past with a total balance of {$1900.00} that was included in my Chapter XXXX Bankruptcy filing. This account was never updated with Transunion to be closed out and confirmed to be included in my Chapter XXXX I realized. I reached out to XXXX XXXX XXXX to address this issue on XX/XX/2020, and at this time the collections department manager informed me he was behind and would get it corrected as soon as possible. Fast forward to XX/XX/2020, I once again checked my credit report and this account was still reporting incorrect with the outstanding balance and as a bad debt. I reached back out to XXXX XXXX XXXX and they requested proof of this on how it was being reported to Transunion ( I provided them proof on XX/XX/2020 ). They confirmed and agreed and said they would get this corrected once again as soon as possible. Fast forward again to XX/XX/2020, I rechecked my credit report and noticed it still had not been changed. I reached out to XXXX XXXX XXXX once again informing them on this and received a notification from Transunion, that XXXX XXXX XXXX placed a hard inquiry on my consumer credit report for an unknown reason. I reached out to XXXX XXXX, the collections manager at  XXXX XXXX XXXX to inform him that I see he had placed the hard inquiry. His response was I had to see how it was reporting. I reminded him that back in XXXX, I sent him proof of how it was reporting and showing on my credit report. At this time, Mr. XXXX informed me they finally realized they were not going into the correct system to get this request processed ( AUD was placed through E Oscar a few days later and he informed me they would request the  hard inquiry be removed as well if they could ). I reached out to the President of the bank and requested that this hard inquiry be removed since I did not give permission to do so and requested a letter of deletion be sent to me on XX/XX/2020 and I have yet to hear back from anyone at XXXX XXXX XXXX or receive the letter of deletion. My XXXX XXXX XXXX collection account was changed and is currently reporting correctly now.

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 2019-08-11
Company: Experian Information Solutions Inc.
State: NJ
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 disputed against my XXXX account 3 times and every time I have furnished papers stating I paid the amount in full. I am still getting paid less than balance. I want the entire account information deleted.

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 2019-08-11
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: Their investigation did not fix an error on your report

Complaint:
Experian continues to allow erroneous and inaccurate information on my credit report regarding a XXXX XXXX account. There are numerous issues with this account. Experian has allowed the re-aging of the account to show a later delinquency than the original delinquency. Two attempts to dispute the item were met with no real investigation and claims the item was verified with the latest attempt occurring on XX/XX/2019. XXXX is providing inconsistent and inaccurate reporting through the three credit bureaus. If the information being furnished is accurate why is the reporting different between each bureau? Furthermore a charge-off is a one time event so why is it being reported every month as a new charge-off? A charged-off account is written off and should also not have a past due balance. Please refer to the attachment for all the inaccuracies.

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 2020-10-20
Company: Conduent Incorporated
State: VA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I have tried to contact my Virginia child support eppicard because my card was hacked and used over seas by someone in XXXX and XXXX and every time I call them they put me on hold for 40-80 minutes and no one answered & Ive called 14 times in 3 days or when I try to call someone picks up and hangs up on me ...! & its foreign transactions & I need help getting my funds back but no chance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX owner. I have banked with Chase for 8 years. No warning, no letters, my account was closed and my money in the account frozen ... and my recurring and website batches went into this account ... on The Friday of XXXX XXXX weekend ... during Covid 19 lockdowns ... with XXXX kids in the house and staff not able to get paid. Thats not just mean ... that is disturbing and life altering. 

Im horrified that this was legal, violation is an understatement. How can they do this? I have no rights to my business money during a pandemic? 

Not customer service or branch locations are willing to talk to me and/or give me so much as a reason. 

Nobody will help? What do I do? Chase bank representatives has reached out to me. 

XXXX XXXX XXXX owner

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
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 belongs to someone else

Complaint:
I check my credit somewhat infrequently. Today I was trying to apply for new credit cards to help with my month to month expenditures. I have been using this XXXX   website for a few years now. I saw that my credit score had been very different. I have 2 different scores. I froze my credit on 2 of the 3 major credit reporting agencies. The one I had difficulty with was XXXX. XXXX has a car loan that does not belong to me, a wrong last name, wrong address, and wrong mobile number. I have received student loans, and financial aid with my Social security and my name. I have my original social and know that my information is correct. But all of a sudden there are loans that should not be there. I tried to get the information fixed. Like how maybe it was an improper merge? However the person lives in the same city and not too far from me, from what the address of the individual who is not me has on my credit report. I can't log into one of the credit reporting agency websites because it asks me about loans and locations I never applied for. I need help desperately please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: CITIBANK, N.A.
State: SC
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:
I am the victim of a fraudster who billed my card for goods and then failed to deliver them. I reported the fraud to the credit card issuer, which made a conditional reversal on or about XX/XX/2020. The fraudster subsequently misrepresented to the credit card issuer that he had -- in fact -- delivered the goods. The credit card issuer reversed the conditional credit on XX/XX/2020 and closed the case. 

I called the credit card issuer on at least three occasions to inform them that the fraudster was also a liar, but was unable to get the credit card issuer to reverse the charge. The credit card issuer misrepresented to me that I would receive a letter in the mail. I never received such a letter. After considerable searching, I discovered a copy of the letter that was allegedly mailed to me on the credit card issuer 's website. I immediately completed the fraud affidavit on XX/XX/2020 and returned it to the credit card issuer. I also mailed a letter to the CEO of the credit card issuer 's parent informing him of the problem and cautioning him that I would file a complete with the CFPB unless the issue was resolved by XX/XX/XXXX. The issue wasn't resolved, and here is my complaint.

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 monetary relief
Consumer complaint received 2020-09-02
Company: Experian Information Solutions Inc.
State: MD
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:
Experian, XXXX and XXXX has allowed XXXX XXXX to report inconsistencies, inaccurate information and duplications. I have disputed this information several times, and it has been fraudulently verified. The validity of debt does not allow for false reporting of dates and amounts. It is defamation to report false information including dates, amounts, and duplicated debt to make it appear that debt is newer, older, or to attempt to collect more money.

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 2020-09-02
Company: EQUIFAX, INC.
State: MD
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, Equifax and XXXX has allowed XXXX XXXX to report inconsistencies, inaccurate information and duplications. I have disputed this information several times, and it has been fraudulently verified. The validity of debt does not allow for false reporting of dates and amounts. It is defamation to report false information including dates, amounts, and duplicated debt to make it appear that debt is newer, older, or to attempt to collect more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Hello, I had a credit card with Capital One. I lost my card ending in XXXX. I paid off all of the balance owed. I requested to get XXXX balance rewards points which is equal to {$40.00}. They said that I need to have the actual card at my possession. On or about XX/XX/2019 I asked capital One to send me a new card. On XX/XX/XXXX Capital One ( Phone number : XXXX ) sent me a letter ( case number : XXXX ), saying that my account was closed and the Rewards Points were forfeitured. 
I have no problem for the closure of my account but Capital One still owes me my deserved/ earned rewards points. To earn those point I paid $ $ $ interest payment to Capital One, for many months. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Between XX/XX/XXXX thru XX/XX/XXXX, I have been disputing an inaccurate account with Experian which has multiple errors. The account in question is with XXXX XXXX XXXX in the amount of {$19000.00}. 

Experian continues to report the derogatory data they alleged as verified by XXXX XXXX XXXX even though I have pointed out these errors. 
Some of these errors appear to be unlawful violations and/or non-compliance with the guidelines of the FCRA. 
A ) .Reporting a balance/past due amount of {$19000.00} on a closed charged off account which has been " sold/transferred. '' B. ) Charge Off amount {$28000.00} inconsistent with Past due amount reported C. ) Late Payments or Activity reported on a " Closed '' account after original Closed and/or Charge-off date D. ) '' Date of Last payment '' XX/XX/XXXX reported inaccurate ; not found in payment history E. ) '' Late payments '' reported inaccurate on XX/XX/XXXX and XX/XX/XXXX F. ) '' Date of Status '' never changed ; Evidence of Failure to do a " reasonable '' Independent investigation *See Additional documentation attached

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