BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under XXXX XXXX Code XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2016-02-24
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I have a power of attorney in which my power of attorney sent the legal document as well as the cease and desist. They were working on a settlement agreement in which was going to be a 12 month payment plan however they stated that I had to set up an auto pay in which i do not have the capability of doing. So then XXXX XXXX got involved and now refuses to speak with my power of attorney stating the document which was notarized was not valid. Refuses to even tell me why and has tried to call me knowing there is a cease and desist on file. Then even when i called she now refuses to agree to the settlement that i could afford.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
XXXX XXXX XXXX keeps reporting on a debt thats 8 yrs old and threatens to take me to court to sue me for that debt. The statue of limitations has passed, I 've disputed the debt, it was removed and then they reported it again and now it 's back on my credit reports.

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 2015-12-08
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was notified by a credit alert system that Progressive Management Systems had reported on my credit report, a collection account that does not belong to me. They ilegally reported this collection under my name and social security on the understanding that this account belongs to my daughter, and adult XXXX yrs old, living on another city. The Progressive Manager XXXX XXXX was caustic and agressive. I told him that was in the middle of a financial transaction that was being jeopardized. They blatantly and flagrantly damaged my credit unjustified, and ilegally. This account was reported and damaged my perfect credit and reputation thus damaging my reputation, morale and financial credibility.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: Google Compare Credit Cards Inc.
State: WA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
NOT ABLE TO ACESS REFUNDS FROM FTC RULING AGAINST GOOGLE DUE TO FUNDS SENT TO CLOSED ACCOUNT. 
I have over {$700.00} in refunds from the FTCs ruling against google for unauthorized in app purchases. According to the ruling if the original funding source is not accessible or closed google is to send a check for the amount of the refunds. Google has failed to do this and sent the refunds to XXXX google play accounts that have been " permanently closed '' according to them, for over a year now. I have been emailing the Google play support team and the wallet support team trying to get a check issued to me for over a month now and keep being told that there working on it.. This is unacceptable

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, 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, the following accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681c ( a ) ( 5 ), 15 USC 1681 ( b ) ( a ) ( 2 ), 15 USC 1681s-2, ,15 USC 1681 section 602 ( A ) ,15 USC 1681 604 ( 2 ) : XXXX ( no account number available ) XXXX XXXX XXXX XXXX ( no account number available )

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 2022-10-18
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, and XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 120 days later I have not received a response yet. I feel like Im been taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days gives reason to immediately remove those items from my credit report it has been over 120 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I was involved in a scam through XXXX marketplace. The buyer said they would purchase the item for {$350.00} ( listing price ) and send money through Zelle. The buyer then sent the money but nothing was received. I received an email from Zelle stating that I was to send {$400.00} to the buyer in order to prove validity and receive the payment. I was then asked to send {$500.00} for a certificate that would prove the transaction. This is when I knew it was a scam but I had already sent the money. The Zelle email address is a fraud account as is the XXXX XXXX buyer. I attempted to dispute the charge with XXXX and Zelle but they stated that they are unable to dispute the charge. This is beyond frustrating and a solution is needed. I will attach the emails and transaction screenshots.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
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: Was not notified of investigation status or results

Complaint:
This was not sent in error, I am XXXX XXXX a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit repoRT and. Unauthorized use of my credit report I demand deletion of the items and information plus I will be seeking monetary compensation.

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 2017-01-05
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Payoff process

Complaint:
On XX/XX/XXXX I received a letter from XXXX, Client Liaison from Citibank. He called me in XX/XX/XXXX asking me questions re : the closed checking account plus ending in XXXX.The payments to this account with the account number written on them were applied to the closed credit card account. He was interrogating me asking redundant questions saying the accounts were separate and why did I collapse both accounts in my complaint. Yet he " never '' addressed my question as to how the checking account payments were applied to the credit card. 

In his letter XXXX reiterated a statement by another client lisison a XXXX, " the account number written in the memo field is not bank information that we use to apply payment and it 's only purpose is that of a " memo '' for the clients use ''. This statement is insane! As all of us are aware consumers either have a carbon copy of the written check or a check register to record who the check was written to. 

I have attached a XX/XX/XXXX letter from Citi disputing XXXX and XXXX ludicrous statement. As I stated previously Citi is retaliating against me for involving my former Congressmen 's office ( now Senator ) to help me.

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 2016-11-19
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Billing disputes

Complaint:
In XXXX I made a purchase at home depot on my Home depot credit card issued by Citibank. 
I never received a statement for paymen2. IN XXXX I received an email saying my account was past due with a charge of {$60.00}. I knew I had not made a purchase of {$60.00} so I pulled up my account online. It only stated a past due amount of {$60.00} was due. After several days of trying to find what the charge was for, I found the original charge of {$26.00}. By then I had received another email past due notice of {$90.00}. I tried calling citibank but only got an automated system. Finialy I received a call from Citibank. I told them that I wanted to dispute the charge and was given an address to sent request too. By this time I had received an email past due of {$100.00}. Have not heard from my written request.

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 2022-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, 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 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

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 2022-06-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, 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, the following accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681c ( a ) ( 5 ), 15 USC 1681 ( b ) ( a ) ( 2 ), 15 USC 1681s-2, ,15 USC 1681 section 602 ( A ) ,15 USC 1681 604 ( 2 ) : XXXX ( no account number available ) XXXX XXXXXXXX Bank NA ( no account number available )

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 2022-06-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, 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, the following accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681c ( a ) ( 5 ), 15 USC 1681 ( b ) ( a ) ( 2 ), 15 USC 1681s-2, ,15 USC 1681 section 602 ( A ) ,15 USC 1681 604 ( 2 ) : XXXX ( no account number available ) XXXX XXXX XXXX  NA ( no account number available )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Experian Information Solutions 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/2022.

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 2022-10-18
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Consumer Financial Protection Bureau ( CFPB XXXX XXXX XXXX  XXXX. XXXX, IA XXXX XX/XX/XXXX This is to complain against the Coinbase URGENCY : HIGH IMPORTANCE : HIGH [ WITHOUT PREJUDICE ] I wish to practice my right as a customer of Coinbase to use your organizations service, seeking a formal, impartial investigation to amicably settle my dispute ( Ref : XXXX ) with Coinbase. 
To clear up the myriad of letters and correspondences I have hitherto sent to Coinbase respecting my complaint, I believe it will substantially strengthen both my case and your understanding, by taking a deeper look at the happenings of my case and analyzing the relevant facts objectively and comprehensively. 
It is crucial to note that I have been manipulated, socially engineered, and coerced to engage these fraudulent criminals. Much to my embarrassment, I recognize that I am the victim of an investment scam. 

General Obligation : Commencing on or about XX/XX/XXXX, I fell victim to a multi-layered scam operation run by XXXX XXXX  which involved me making deposits for a total amount of XXXX USD from my Coinbase account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: Amsher Collection Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was charged by XXXX for an account I never had. After many phone calls and going by the store none of the associates could help me because they did not know why I was charged or for what. I requested the collection agency send me proof of this account such as an agreement and an itemized bill showing what the charges were for but they sent a bill that showed a break down of {$0.00} charge per item with a grand total of {$200.00}. In fact I have another bill showing a {$0.00} balance during the same period that they are trying to collect from. I know these charges are bogus and I figured that they would figure it out as well when they " investigated '' the charges but apparently that is not the case. It is obvious they have not investigated anything or they would have not pursued further. They or XXXX have not been able tell me exactly what the charges are for yet continue to harass me over a debt that simply doesnt exist. I am about to seek legal presentation for this issue as it appears I am dealing with a fraudulent company with poor practices and every organization I contact about this leaves it to the bill collector to investigate their own case rather then step in and see what these companies are doing. If someone really investigates these charges, they will see that I am being fraudulently charged and that this so called account never existed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: Self Financial Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Pursuant to 15 U.S. Code 1666b - Timing of payments, I, XXXX XXXX, federally protected consumer, am aware Self Lender is in violation. I am demanding Self Lender to update my account with no late payments, no negative information reporting to consumer reporting agencies on my behalf and demanding all positive reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: TRANSWORLD SYSTEMS INC
State: IN
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I never received notice that I owed this debt. I found out when I went to urgent care and they told me that I had a balance that was sent to collections two years ago. I then came home and looked at my credit report on XXXX XXXX and saw that it just showed up this month, it has n't been on any previous credit reports. The amount that I was told was owed was also different from the amount shown on my credit report. Urgent care had my correct phone number and address in their system so there is no reason that I should n't have received a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23
Company: Bay Equity LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I 'm purchasing and brand new home in XXXX XXXX and applied for mortgage loan from Bay Equity Home Loans since the end of XXXX 2016 and we received email and the package congratulation for the loan approval in XXXX 2016. It was supposed to close escrow in the week of XXXX but it did n't happen because at that time they then start asking for more and more proof of our sources and the time lengh that where my partner lived before.. Every time they ask, I provide it to them right away, NO delay but I never heard an update few days or week later then I contacted them, and every time I contacted them, they ask for more and more. I had documents sent over from XXXX and they said they need interperetor to translate and I still did n't hear nothing until 10 days later they still said that they still looking for interpretor then next day afternoon XXXX contacted me and told me to cantact some lady to pay {$250.00} for translation but that lady 's company do n't take credit card, the lady asked to to transfer the fee into her coworker that has the same bank with me to avoid the transfer fee for me, she said. I took care whatever I need to take care but until now they still telling me maybe next week, tomorrow. I took their words and assumed as it, I ordered appliance, furnitures and kept on reschedule so many time due to delaying on the loan at the point that delivery companies wo n't let me reschedule anymore

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: Experian Information Solutions 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:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2022-06-05
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:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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