BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-15
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Hello, since XXXX XXXX Ihave not been able to access to my account From Coinbase has been frozen for ID Verification Issues, and then requests my personal information in a safe link, all documentation has been provided but is almost one month and they have not resolved my problem, they have been continuing not resolving my problem, they dont provide to me a timeline for resolution or any plan to return my funds My number case # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof for the creditor bank account that I didnt pay and was marked late because this is clearly a billing error.

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 2023-06-16
Company: Velocity Portfolio Group
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: Account information incorrect

Complaint:
This strange collection on my credit report I have no relationship with the debt collector and dont owe them a debt. 

They need to prove to me that they are the owner of this alleged debt with a contract or some purchase contract who they are saying they got this alleged debt from. 

If they have bought from another debt collector I want to see the chain of assignments going all the way back to this original creditor. 

If they can not provide any of this, then this is identity theft and defamation of character. 

They are also reporting inaccurate to the credit reporting agencies that do not add up. 

CKS PRIME INVESTMENTS , LLC Account Number XXXX XXXX is reporting the date of the last activity as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX. This is a clear 2-year difference. This is a violation of reporting. Need I remind you this falsely manipulates the statutes of limitation on when this account is supposed to fall off. 

They are breaking the law by reporting inaccurate information to the credit bureaus.

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 2023-06-16
Company: Block, Inc.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/, I received a Cash app debit VISA. My name is on the card. I did not set up this account and do not recognize the Cash app tag. 

I immediately contacted the company to close the account. Cash App informed me even though my name and address was on the account, I could not close it because I could not verify the telephone number on the account. While someone used my name and address to open the account, they provided a different telephone number than mine. 

Cash App will not allow me to close this fraudulent account with my name on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
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:
The credit bureaus are reporting erroreous information on my credit file

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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : # XXXX, # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX It also states a consumer reporting agency can not furnish an account without my written instructions/consent XXXX XXXX XXXX ( a ) ( XXXX ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXXXXXX XXXX. 

XXXX XXXX XXXX XXXX A ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2019-07-09
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I dont have an account a contract with Enhanced Recovery nor XXXX XXXX. They are calling relatives and disclosing my personal information to third parties. This is also on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: Incomm Holdings Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Pawn loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
My doctor note when I when I got back from the hospital, Man, Ive been working XXXX hours a week remember how do you know a working man thats all I do is I return from the hospital and then I get one of my supervisor and I dont know if before, and after that, my XXXX XXXX XXXX and mid Florida XXXX I got XXXX police

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Velocity Portfolio Group
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PLEASE SEE ATTACHMENTS FOR FURTHER DETAILS OF COMPLAINT CKS PRIME INVESTMENTS LLC filed a meritless lawsuit against me without providing any valid proof of a claim or a binding contract with my signature. I have no connection to the alleged debt they sought to collect, and their failure to participate in arbitration led to the court 's dismissal of their lawsuit, the courts also denied their motion for default judgment. Moreover, they damaged my creditworthiness by accessing my consumer credit report for debt collection purposes and damaging my character and reputation as a 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 explanation
Consumer complaint received 2023-06-16
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a bill from you on [ XXXX ] and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from [ XXXX XXXX ], but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: SUNRISE CREDIT SERVICES, INC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a notice from my credit monitoring service that there was negative action on my report ( s ). A company known as Sunrise Credit Service with an address of : Creditor Contact : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, NY XXXX | ( XXXX ) XXXX ( on report ). In the amount of {$350.00} XXXX XXXXXXXX. # XXXX Opened XXXX Reported XXXX I have no known relationship with this company and who gave them permission to place something on this report? IT WAS NOT ME. Under 15 U.S. Code 1692g - Validation of debts, this alleged creditor must furnish proof that I have a contract with them. The name : XXXX XXXX XXXX is a registered trademark with the United States Patent and Trademark Office bearing U.S. TRADEMARK REGISTRATION XXXX ( see attached certificate of Trademark )

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 2023-06-16
Company: Block, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/16 I received notification from XXXX they had processed my refund. I opened by CashApp account and saw my balance reflected the {$100.00} refund. I opened the app again a few minutes later and saw my balance no longer reflected the refund. 

I contacted customer service and explained how my balance had changed in a matter of minutes. That I had seen the refund processed and credited and then it had disappeared. 

Customer service told me I would need to wait 14 days to receive the refund. I asked why, as it clearly had already been in my account. They repeated I needed to wait 14 days. 

Im confused how it is legal to pull a refund back out of my account for 14 days just so CashApp can accrue interest on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've been a victim of Identity theft. I've never been to this XXXXXXXX XXXX XXXX I need this removed from 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 2022-11-29
Company: Experian Information Solutions Inc.
State: MI
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : # XXXX, # XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX A. States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX It also states a consumer reporting agency can not furnish an account without my written instructions/consent XXXX XXXX XXXX ( a ) ( XXXX ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXXXXXX XXXX 

XXXXXXXX XXXX XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2023-06-16
Company: Chime Financial Inc
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I noticed my accounts had been compromised by a thief in another state and {$29000.00} had been stolen from my account, I disputed this case 3 times with accurate evidence and the bank constantly denies the dispute being that their are over XXXX transactions, the bank would finish the dispute before 10 business days without any answers to why theyve made their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
Again, same problems with Bank of America, problem not fixed. Another fraudulent door dash charge. 
I have a POA for my father. 
Took BOA 6 weeks to process POA. 
When my father and I called in, we were told " Why did it take you so long to report this fraud? '' Customer service also refused to issue a new card with new number " due to the POA. '' This was the same POA that they had previously refused to acknowledge. 
Fraudulent charge was only removed after 2 complaints to cfpb. 
Now it's started again. Submitted request to remove fraud charge from card. 
Got letter requesting further documentation. 
BoA has all the documentation. It's in all the complaints to cfpb. 
BoA is very well aware of the fraud and all documentation. 
This issue needs to be dealt with ; fraudulent charge needs to be removed.

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 2022-10-26
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX agreed to settle this account for {$3500.00} in XX/XX/2022. Payment was made on XX/XX/2022 in the amount of {$3500.00} which should have satisfied the account balance and the account should be closed. Instead, XXXX XXXX used those funds to enroll me into a payment plan that i didn't agree upon ( see letter from XX/XX/2022 ). As well, payment was never late on this accounts for the months of XXXX or XX/XX/2022 because settlement agreement was made in XX/XX/2022. I have disputed with the credit bureau to correct the account or have it removed f rom my credit report. According to federal law incorrect information should not be listed on any accounts on my credit report. The credit bureau has failed to conduct a proper investigation when i disputed this directly with them, basically conducting a less than 24 hour " investigation '' by validating the debt with what they have in their computer system, but not actually contacting XXXX XXXX directly. I have also spoken to XXXX XXXX and several agencies state that I must take up the dispute with the credit bureaus directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Global Lending Services LLC
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I mailed them a {$3300.00} check around XX/XX/XXXX to bring my account current and then pay towards my principle balance. Almost a month later they still have not applied the check to my balance and they continue to charge me daily interest on the past due balance that should not be past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23
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:
On XX/XX/2016 an credit card through XXXX XXXX was opened in my name that I had no knowledge of. I was not utilizing my credit during that time frame. I am starting this claim so that this account can be disputed and removed from my credit.

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 2019-07-09
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Only disputed one account which is Synchrony/ Lowes as not my account. As XXXX requested, I sent a request to the creditor Synchrony Bank/ Lowes via 3 certified mail and no response or verification of account from the creditor : XXXX ; XXXX ; and XXXX. Last letter sent creditor refused to sign for letter. XXXX  and XXXX   have deleted account after creditor fail to validate account. Sent new certified letters today to creditor XXXX and 2nd letter XXXX. XXXX. Requesting monetary value of $ XXXX from XXXX for value of reporting account as it is damaging my reputation. Will seek damages from company also.

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 2020-07-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i was victim of identity theft several account were open fraudulent

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 2022-10-26
Company: EQUIFAX, 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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.. I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still an account that need to be UPDATED. The XXXX ans Equifax credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 
XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$480.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I attend XXXX XXXX and have a private loans of XXXX $ that need to be forgiven. I was pushed to get out loans in order to attend the school. Now I have a debt i cant get rid off. The school defraudet me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Dispute start on : XXXX XXXX XXXX EDT but have not had a response on this issue. I have been told someone at Synchrony would get back to me within 7 to 10 business days multiple times. No response as of yet. I have followed up multiple times. 

Issue stems from not receiving billing statements over the past 9 months on paper or electronically. Online statements are not available and have raised this as a concern. I agreed to terms to have electronic statements but those statements are not available online.

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 2022-10-27
Company: BSI Financial Holdings, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2022 - I phoned BSI Financial Services Customer Service to ask them if sending my mortgage payment earlier than the due date would save me any money in interest charges. The BSI agent insisted that I would not save any money, but she kept referring to the 'Grace Period ' which occurs after the due date. I knew that the grace period had nothing to do with what I was asking about. I asked the BSI agent if the mortgage interest was compounded daily, and she responded that the interest is compounded daily. I then asked her how it was possible that if I paid the mortgage 10 or 14 days before the due date that I would not save on compounded daily interest. The BSI agent responded that the mortgage interest will be the same no matter when I pay it.

Again, I asked the agent how paying early did not affect daily compounded interest ; the BSI agent again referred to the Grace Period.

Company response to consumer: Closed with explanation