BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-09
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Hello. In XX/XX/XXXX I signed up for coinbase.com and everything was fine until XXXX of this year ( XXXX ) when they asked me to verify my identity again, which I do and from then on the account under review appears to me and they tell me : " Your account is currently being reviewed and we need some time to verify your information. During this review, you will not be able to use Coinbase. Reviews usually take a few days. Please log in every day or every other day to check your status. " Last week I accessed the app again and in it they ask me again to verify my identity by taking a photo through the mobile device. I've done it repeatedly and it always ends up telling me that the verification failed, that the photo was too blurry, which is not true. It asks me to repeat the process again, I do it and it keeps failing. 

I wrote to the company several times and they always respond by saying : " Thank you for following up with us. 

Our team has received a high number of account review requests. However, we've asked them to expedite their review of your account, and will get to your inquiry as soon as possible. 

We appreciate your patience and understanding. 

Regards, Coinbase Support " The number of this latest incident that I created is : Case # XXXX - Pending verification. 

I have XXXX  ETH blocked since then and I wish I could get it back. 

Thanks for your attention.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-23
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a " XXXX  '' XXXX MasterCard through Synchrony Bank. I had been receiving emails for the past few months stating that since XXXX " XXXX  '' XXXX would be closing, Synchrony would be sending me a Synchrony MasterCard to replace my existing " XXXX '' XXXX MasterCard. The most recent of these was sent on XX/XX/XXXX. I then received a letter in the mail that was dated XX/XX/XXXX that stated they would be closing my account instead of sending the replacement card. I had been using the " XXXX '' XXXX MasterCard and it carried a balance until recently. They were willing to issue me a card while I was carrying a balance, so much so that when I logged onto the website they had already set up the Synchrony MasterCard   account ( XX/XX/XXXX ) with a whole new card number. However, once they received my money and after I had paid off my balance on the card in full, that they close my account ( XX/XX/XXXX). I had no history of late  payments on this card or any other derogatory remarks from the company.

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 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX reported a 30day late payment which was incorrect. 
I disputed this incorrect info with all 3 bureaus and during dispute process with XXXX XXXX XXXX then corrected the info by sending response that the XXXX/2022 payment was not late so 30 days late status was deleted. I then contacted XXXX financial again due to it was corrected on XXXX but not on Transunion XXXX XXXX. 
They proceeded with another investigation and still did not change the Transunion & XXXX status but proceeded to go back to my XXXX report & reported another XXXX late status for the same date of XXXX/2022 that they had previously investigated & corrected!

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 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 is XXXX 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.

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 2021-11-09
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:
My letter below to TransUnion describes the problem I am having with them. They are not critically looking at the merits of the information provided by a collection agency. They are just " checking the boxes ''. 

-- -- TransUnion XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX . 
XXXX, PA XXXX XXXX, TX XXXX XX/XX/XXXX Dear Sir or Madame : I am XXXX XXXX and this in reference to TransUnion file number : XXXX I am writing to request that incorrect derogatory information on my TransUnion credit report be immediately removed from your reporting. 

This is regarding information that was provided to TransUnion by a collection agency named XXXX XXXX XXXX, # XXXX Over the course of the last couple of months I have used your online dispute resolution process twice and your call-in process once. Both have had unsatisfactory results. 

Each time, TransUnion responded to my dispute request by stating, in a form letter, that the information provided by the collection agency, such as my name and address, was accurate. This collection agency apparently did provide some document showing me as a debtor. 

What I really need TransUnion to understand is that : I did NOT enter into a debt arrangement with this collection agency, or the organization they represent. The organization they are representing is a former employer that is attempting to use the credit agency process to claw back compensation paid to me. 

This is NOT a debt issue, if anything it is a contract issue, and the reporting agency should take legal action if they believe they are justified in doing so. TransUnion is not able to pass legal judgement on a contract dispute. 

I need TransUnion to do more than check the boxes here as it is my credit record that is being adversely impacted without justification. 



Regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I contested the following information included on the attached files with TransUnion and up until this day, they still hasn't responded to all the letters I mailed them. I tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. My credit rating and credibility has always been really important to me and I started researching about it and reaching out to people who might have an idea what to do and they referred me to your website. TransUnion has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.

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 2023-06-19
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX reported a 30day late payment which was incorrect. 
I disputed this incorrect info with all 3 bureaus and during dispute process with Equifax XXXX XXXX then corrected the info by sending response that the XXXX/2022 payment was not late so 30 days late status was deleted. I then contacted XXXX XXXX  again due to it was corrected on Equifax but not on XXXX XXXX XXXX. 
They proceeded with another investigation and still did not change the XXXX & XXXX status but proceeded to go back to my Equifax report & reported another 30days late status for the same date of XXXX/2022 that they had previously investigated & corrected!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
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:
I have previously contacted XXXX XXXX XXXX XXXX XXXX XXXX to file a billing error dispute reporting on my credit report. 

XXXX has posted a erroneous late payment on my credit report causing my credit score to drop significantly. 

These errors are INCORRECT on the credit reporting bureaus, and have cost me denials on gaining any type of credit. 
THIS ACCOUNT IS DUE ON THE 1ST OF EVERY MONTH AND WAS PAID BEFORE 30 DAYS LATE! I HAVE ATTACHED MY PAYMENT CONFIRMATION XXXX  has violated my consumer rights! 

15 U.S.C. 1666b CORRECTION OF BILLING ERRORS - A CREDITOR MAY NOT TREAT A CREDIT ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE. 

15 U.S.C. 1681B PERMISSIBLE PURPOSE OF CONSUMER REPORTS- A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: WELLS FARGO & COMPANY
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:
In early XX/XX/XXXX I was contacted by a man who gave the name XXXX XXXX under the phone number XXXX, claiming to be part of the loan company XXXX offering me a low interest rate loan that I qualified for under the new XXXX - XXXX XXXX. Then using my identity he was able to access my Wells Fargo bank account and had unauthorized refunds issued by the bank by making fraudulent claims on multiple creditor accounts. Of note, Wells Fargo has admitted that after hearing the recordings it was definitely not me, nor my phone number. They never asked for a passcode or other security information to verify that it was in fact me. Also of note, the identity theft and fraud through Wells Fargo had been over multiple days and involved more than ten separate transactions ; totaling loss of {$7500.00}. As soon as I became aware of what was going on I immediately notified Wells Fargo, the branch as well as the dispute office. I have written Wells Fargo on this issue over five times and called well over 30 times ending up with the last report being filed in XXXX of XXXX with claim representative XXXX XXXX report number XXXX, contact number XXXX. I was promised a resolution within 10 days and never received any further contact. Beyond the {$7500.00} in losses my credit score dropped over 250 points. Wells Fargo never notified my creditors of my fraud and I have been denied on over 8 separate occasions from opening a checking account. Lastly, Wells Fargo has admitted that they never returned the fraudulent withdrawals from my creditors even though I immediately notified them of the 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 explanation
Consumer complaint received 2018-09-12
Company: CAVALRY INVESTMENTS, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX He capital retail bank states that I opened an account. Which is false I never opened this account. On XX/XX/XXXX the company states said account went into collections. In XX/XX/XXXX this company was sued and settled with you file number XXXX. In XX/XX/XXXX company changed its name from XXXX XXXX XXXX XXXX  to XXXX XXXX. In XX/XX/XXXX cavalry said they acquired this account. On XX/XX/XXXX cavalry states they sent a notice of debt. The notice was never received by me. I was out of the country due to being a armed forces service member. The company states they did not receive a dispute or validation request within 30 days. This is because I was not in the county and never received said notice. If the company sent the notice certified they could have known I never received it.on XX/XX/XXXX the  company states they sent me validation of debt which again was never received and i was again out of the country. I have been disputing this account for years. the company then sent me a validation copies of old bills with just a name and address. An address which I've never lived at and that reflects on my credit report. A name which shows over 189 people with the same name in XXXX FL. I would like a copy of the original application along with a signature page to show this debt is no mine and never has been. The account has already been removed from one credit report just waiting for the others. This is a stressful and unfair way of doing business. If you can not be sure that someone received a notice you should not be able to try and then throw a debt that doesn't belong to them since you never received a dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-19
Company: Bread Financial Holdings, Inc.
State: FL
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'm writing to you after reading over The Cares Act provision and seeking forgiveness based on its policy. 


I noticed that my most recent credit report contains a late payment reported in XX/XX/2023 on ComenityCapital/XXXX XXXX XXXX XXXX. I want you to know that I understand, and have great respect for my financial obligations. Unfortunately, at the time of the incident mentioned above, I, myself and my wife both were shamefully fighting XXXX. Per a call with a rep of XXXX/Burlin and in a great attempt to maintain my financial responsibility, I was under the impression that I qualified for a deferment plan. Nothing mattered more to me than keeping my relationship and credit worthiness intact. So I expressed great concerns about the possible cons of opting into such a program. I was assured on a recorded call that all shall be well as long as I operated within the guidelines, in which I did. Sometime later I was alerted by one of my credit monitoring services that this account was flagged as 30 days late. I immediately called in and satisfied my balance. Aside from this unforeseen and unavoidable circumstance, you will see that I have excellent payment record.This has been really challenging to my credit worthiness and stressing for quite some time now. Because I felt so betrayed by this creditor, it took me a while to use this card again. Now, I ask for your mercy under The Cares Act amendment. I understand that this is only something you can rectify. I am planning on refinancing my home and it has come to my attention that the missed payment on my credit reports is hurting my ability to qualify. In my heart, I know that the missed payment doesn't reflect my solvency. I am humbly asking for you to give me a second chance by making a goodwill adjustment to remove the late payment on XX/XX/2023 from my credit reports. As I understand it, you can do so in just a few minutes of your time. I would greatly it. Thank you for your consideration. Have a blessed day!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: Immediate Credit Recovery
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have been garnished without notification from Immediate Credit Recovery. I notified the company upon the garnishment and informed them that they must notify me within 30 days prior. According to the representative XXXX XXXX, they assumed I received the notifications and therefore to it upon their selves to submit the garnishment. I agreed to set up a rehabilitation plan and updated my information making a small payment but they continue to find differ reasons not to submit while a payment has been made. This process has caused many problems with my finances and Ive tried to work them. But if I had received any notification I would have made arrangements!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX has several erroneous charges reporting to my credit. My insurance and Health Share plan are currently paying these off and I never received a notice for any of these collections before they were added. My Health share advised I should not pay these because they have already been paying for them and there is no reason these should be on my credit report.

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 2023-06-19
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: EQUIFAX, INC.
State: IL
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 XXXX XXXX XXXX would like to submit a complaint against XXXX Credit Reporting Agency and Equifax. After several attempts to solve the bankruptcies on my own with XXXX and Equifax. I am left with no choice to submit a complaint against you. 
I have proven that they are reporting bankruptcies that should not be on my report specifically bankruptcies case number XXXX, XXXX, and XXXX. 
I am submitting as I have with Equifax and XXXX Credit Reporting the following attachments proof of reason why the bankruptcies are being reported illegally and wrong. I have obtained documents from XXXX and United States Bankruptcy Court. I submitted these documents and XXXX and Equifax have still not removed or given a valid reason why they are reporting these bankruptcies cases on my report. Please help. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Experian has added an unwanted lock or security freeze of some kind to my report without my knowledge or consent. I have reached out to Experian several times over the last few months attempting to unlock my credit report and they have offered me little to no solution each time claiming that my report is not locked and they have already resolved the issue. This is not the case because I can not access my report to apply for new credit. I have been trying to apply for an apartment since XXXX but can not get approved because my report is locked!

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 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 has violated my rights XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, US DEPARTMENT OF EDUCATION XXXX. 15 USC 1681 Section 602 A States I have the right to privacy. 15 USC 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 non-monetary relief