BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-27
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2022, I requested an investigation for some items that did not seem correct on my credit report. I provided specific reasons why the accounts were being challenged along with specific instructions on what should happen to the account in the requested information could not be provided within 30 days according to the FCRA. 

40 days went by and the items still were appearing on my credit report and the method of verification still was not provided. 

On XX/XX/2022, I requested a re-investigation into those same accounts with the same results. Nothing was removed and the method of verification has not been provided. 

It is now, XX/XX/2022, and the accounts in question are still showing on my credit profile and are listed below along with the reason for the investigation. 

This collection account is showing that I owe a balance. Please provide me with the method on how you verified what amount is owed. 
XXXX Account XXXX : XXXX Please provide me with the name of the person/company that is saying I have this collection. 
Account XXXX : XXXX This collection account is showing that I owe a balance. Please provide me with the method on how you verified what amount is owed. 
XXXX XXXX  Account Number : XXXX This collection account is showing that I owe a balance. Please provide me with the method on how you verified what amount is owed. 
XXXX XXXX XXXX XXXX Account Number : XXXX The account above is showing as a repossession with a balance owed. Please provide me your method of how you verified that amount that is still owed. 
XXXXXXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On XX/XX/2022, I requested an investigation for some items that did not seem correct on my credit report. I provided specific reasons why the accounts were being challenged along with specific instructions on what should happen to the account in the requested information could not be provided within 30 days according to the FCRA. 

40 days went by and the items still were appearing on my credit report and the method of verification still was not provided. 

On XX/XX/2022, I requested a re-investigation into those same accounts with the same results. Nothing was removed and the method of verification has not been provided. 

It is now, XX/XX/2022, and the accounts in question are still showing on my credit profile and are listed below along with the reason for the investigation. 

This collection account is showing that I owe a balance. Please provide me with the method on how you verified what amount is owed. 
XXXX Account XXXX : XXXX Please provide me with the name of the person/company that is saying I have this collection. 
Account XXXX : XXXX This collection account is showing that I owe a balance. Please provide me with the method on how you verified what amount is owed. 
XXXX  XXXX  Account Number : XXXX This collection account is showing that I owe a balance. Please provide me with the method on how you verified what amount is owed. 
XXXX XXXX XXXX XXXX Account Number : XXXX The account above is showing as a repossession with a balance owed. Please provide me your method of how you verified that amount that is still owed. 
XXXX XXXX XXXX Account Number : 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 2022-06-07
Company: CAINE & WEINER COMPANY, 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: Their investigation did not fix an error on your report

Complaint:
I contacted XXXX  and paid in full the owed amount of XXXX I then contacted the collection agency that had the account on XX/XX/XXXX and XX/XX/XXXX, to make them aware and I also emailed proof, the collection agency continued to tell me the debt is owed. 
I also paid XXXX XXXX XXXX  in full and asked if my credit can be updated, I submitted a dispute with XXXX  XXXX  and was told that the debt was still not paid, and my XXXX  XXXX card shows paid in full. And the credit report dispute was closed and my credit report was not updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Harley Davidson Financial Services Inc
State: CO
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:
Harley Davidson Financial ran my credit report on the XXXX of XX/XX/2022 without my signature or consent. I was alerted through XXXX and XXXX that they did a hard pull on my credit. I did not authorize or consent to this credit pull.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: EQUIFAX, INC.
State: VA
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:
It has been found out that you are not REMOVING items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX Balance : {$870.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX  XXXX Balance : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX {$900.00} XXXX XXXX XXXX Bankruptcy XXXX XXXX : {$0.00} ; XXXX  XXXX Bankruptcy XXXX XXXX : {$0.00} ; XXXX XXXX  Bankruptcy XXXX XXXX : {$0.00} ; XXXX XXXX  Bankruptcy XXXX XXXX : {$0.00} ; XXXX XXXX  Bankruptcy XXXX LXXXX : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Experian Information Solutions Inc.
State: PA
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:
Hi, my name is XXXX XXXX. I am contacting the bureaus today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and I ask that they be deleted from my report. The items I need removed are listed in the report attached. I have notified the companies that I did not make these charges and that they are fraudulent. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commissions Identity Theft 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 non-monetary relief
Consumer complaint received 2022-06-07
Company: Coinbase, Inc.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Changes in terms from what was offered or advertised

Complaint:
Coinbase offers 4 % rewards on purchases paid out in XXXX XXXX, in 1-5 days, when the payment is complete. I made a payment on XX/XX/XXXX for {$2500.00}. On XX/XX/XXXX the payment was marked complete and displayed {$100.00} as the reward, but the reward never arrived. I have called every single day since XX/XX/XXXX and have been told someone would get back to me in 24-48 hours and that there is no manager or supervisor available. Its been well over 48 hours and no one has contacted me or even attempted to resolve this issue. Every rep I speak tells me something different, they keep trying to transfer me to each other and tell me to call different departments, and none of them have answers or a resolution. They are violating their own terms and conditions and are nearly impossible to get a hold of. Their foreign based customer service is unhelpful and hangs up on me when I ask for a manager. Transactions before and after the one in question and been marked complete and paid out rewards immediately, this is clearly an error on their part or is intentional because it is the maximum reward possible and they dont want to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: JPMORGAN CHASE & CO.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
CHASE AUTO BANK HAS BEEN OVERCHARGING ME IN LATE FEES AND HAS A NUMBER OF MISSING PAYMENTS THAT SHOULD HAVE BEEN CREDITED TO MY ACCOUNT BY NOW. CHASE BANK INCORRECT PLACEMENT OF MY PAYMENTS HAS CAUSED ME TO BE REPORTED LATE TO THE CREDIT AGENCY SEVERAL TIMES. CHASE 'S MISPLACEMENT OF PAYMENTS IS NOW IMPACTING MY LIVELIHOOD AND CAUSING ME TO BE MAJOR DEPRESSED. I have contacted chase several times about the double payments that I make in advance to get rid of the late fees and interest on the loan but chase will find any reason to apply for two payments as one payment even though I advise them of my purpose. of two payments are to pay my car payment in advance as I don't get work every month. For the month of XX/XX/XXXX, I made a payment from my corporate expense account and sent chase a copy of the statement chase informed me because it's not a regular account they could not verify the payment. 
please see the attached statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-29
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX sent a bill for over {$2000.00} with zero explanation, it only says miscellaneous charges. {$88.00} was indicated as the final energy charges. I have requested a full complete itemized receipt of charges including : dates, addresses, energy charges, etc. from 2 collections companies and from XXXX & XXXX themselves, no one will provide this information to me. Over the years I have blindly paid whatever charges XXXX & XXXX arbitrarily alleged that I owed as I needed service and they are the sole energy provider in my area. This time I have chosen to dispute as my bill was not behind nor am I no longer required to utilize their service. The VP from XXXX & XXXX called me last year and promised to provide me with the requested information and I have never heard from them again, until today, when I spoke to XXXX at IC Systems, who also refused to provide me with documentation of debt and refused my request for a manager. I will not be paying this erroneous charge to XXXX & XXXX. I will have this gross error removed from my XXXX, if it means suing XXXX & XXXX is my only option.

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 2022-11-29
Company: Financial Recovery Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a call on XXXX XX/XX/XXXX from an agent from Financial Recovery Services, a debt collector, claiming that I owed {$810.00} for a " XXXX '' account that was charged off in XX/XX/XXXX and now owned by a company called XXXX XXXX XXXX. I stated to the agent that the debt was not mine and stated that I needed a debt verification as the agent could not even tell me what address I was living at during the time this debt or account was supposedly applied for. I have not received any documentation from the company other than a standard debt letter which I am also taking action to dispute ( see attached ) and request all documentation on this account such as completed applications forms or promissory notes, emails and email addresses, addresses, phone numbers, names, SSN # s, etc. It is also suspect that out of the blue, a debt collector would try to collect on debt that is at least XXXX years old ( based on the phone call and letter I received ) as I have never been contacted about this account previously. XXXX XXXX XXXX XXXX reveals very little as I could find any contact information or website for them except that it is a foreign limited liability company and appears to have been incorporated in multiple states throughout the XXXX calendar year. I believe that XXXX XXXX XXXX is running a scam where they may take fraudulent or time barred debt and misrepresent it to debt collectors as " owed '' and debt collectors attempt to collect the debt without confirming the validity of the debt. This an evil practice that preys upon vulnerable people to take what may be the last dollars in their bank account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: American Coradius International LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received a notice from American Coradius International, LLC informing me of a debt collection attempt on a non-existent XXXX credit account. I wrote to the XXXX on XX/XX/XXXX informing them that I had been a victim of identify fraud and that I have never had a credit account with XXXX. On XX/XX/XXXX, I received another collection notice from the same company for a different XXXX account number with a different amount. I again wrote the company telling them that I have never had nor ever will have a " credit '' account with XXXX and that this is fraud. I also verified with XXXX that no such account number even exists and that this is clearly fraudulent and to cease and desist from contacting me. On XX/XX/XXXX, XXXX, I received yet another debt collection notice from XXXX with yet a third/different XXXX account number. Each letter states that if I do not write them back, then it is assumed that the debt is legitimate. They need to stop harassing me into taking my time and money to write and send certified letters telling them these are fraudulent accounts. They need to have better controls in place internally to verify that these are in fact even legitimate XXXX accounts, which they are not according to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Experian Information Solutions Inc.
State: NY
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:
I have been unable to obtain my Experian credit report and credit score from a multitude of sources. I used to have a FICO Score XXXX with Experian of around 800 not long ago ..... 
My XXXX XXXX Score XXXX is close to 800 and my XXXX XXXX Score XXXX is also close to 800 all taken from the Experian website...... I've tried to resolve this issue with Experian and they told me to contact my XXXX  XXXX XXXX  because they are not receiving info from them ... ..I contacted XXXX  XXXX and they told me they send my info to Experian on or around the XXXX of every month ... ..I 've given Experian other bank accounts and cards and still get nothing reported... ..With many hours of research I finally realized that it was Experian preventing me from obtaining and being denied to purchase anything on credit ... ..I then went and checked other consumer complaints only to see that there are over 2000 other complaints that are having the same or similar problems .....

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 2023-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The following has not been removed since I requested. This information is incorrect, and requested the company to remove this late payment, or to report has paid on time. I was not late with these payments. This is unfair to report this information. 

XXXX XXXX XXXX - XXXX XXXX ( reported 30 days late ) XXXX and Transunion ( reported 30 days late ) XXXX XXXX - XXXX XXXX Transunion ( reported 30 days late ) XXXX XXXX  - XXXX XXXX Transunion has multiple inaccurate inquiries that does not belong to me. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-24
Company: CITIBANK, N.A.
State: TX
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:
I purchased a refrigerator at a Best Buy store for {$2100.00} and in the process was offered a Best Buy/Citi credit card. I was told by the sales rep that the card offered 10 % cash back and a 0 % introductory interest rate. I agreed to apply for the card, but, as I was completing the transaction and application, a manager showed up to assist the sales rep and said that actually the card offered 10 % cash back OR a 0 % introductory interest rate. I was a little frustrated but proceeded to open the card and chose 10 % cash back. At no time was I provided a brochure with the terms of the card. 

When the card arrived in the mail, I registered the card online and discovered that the actual rewards were 5 % back in Best Buy reward certificates that could only be used in store or online. Because of my significant purchase, I was expecting {$210.00} in cash rewards but instead received what was actually a {$95.00} Best Buy certificate ( online account indicates that rewards accrue in increments of {$5.00} and I guess the calculation for the points excludes tax, but I am unsure ). 

Misrepresenting terms to customers to sell credit cards is plain wrong. I closed the card but am out the expected cash rewards and have had my credit score impacted.

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 2022-11-29
Company: HW Holding, Inc
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ive called many times to the apartment complex to get answers about the debt. i kept getting wrong numbers that was handling the case. no one in the rental office wanted to assist me in this matter. The name of apartment back then was XXXX XXXX.. the complex now name has been change 3 times since calling about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: EQUIFAX, INC.
State: DE
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:
I accordance with the fair credit reporting act XXXX  account numbers XXXX, XXXX, XXXX, XXXX has violated my rights. 
15 U.S.C. Section 602 A. states I have the right to privacy.

15 U.S.C.1681 Section 604 A Section 21.It also states a consumer reporting agency can not furnish an account without my writen written instructions.

Company response to consumer: Closed with explanation