BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-25
Company: Winklevoss Exchange LLC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Gemini app i purchased doge coin XXXX dollars and lost XXXX tried to withdrawal the rest its been 8 business days no answer from emails the number they have is not the number for the company belongs to an individual i have exhausted all resources they provide for contact still no anwer and on XXXX  they had atleast 400 complains about the same thing dont know what else to do

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Theres an account reported by XXXX XXXX XXXX. I have been going back and forth with this agency. But I wont even get into that right now. I went through the automated system and answered a series of questions verifying my info. The automated system Then give me information about dispute. I wanted to speak to a live person. So I selected an option to speak to a live rep. I was once again asked a series of question which I answered and was locked out of my account. I looked online and saw that other consumers have had a hard time reach anyone please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Due to covid I was unable to pay off balance before promotional period of XX/XX/2020. Balance remaining was XXXX now its back to XXXX and 28.99 percent interest rates. I would have paid off with taxes but was unable to file due to covid. I have never missed or been late on a single payment in 24 months. It would have been great if I could just gotten an extension on promotion due to covid for 90 days so that I could have paid the balance with taxes

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I was in the process of refinancing my home. I alerted my lender and XXXX-XXXX  XXXX of the impending re-fi and was told that as long as payment was received before midnight on XX/XX/XXXX, that there would be NO adverse late payment reporting to the 3 Credit Agencies. I have documentation that XXXX XXXX received the payment and total loan payoff on XX/XX/XXXX. 
I submitted all of the documentation to all 3 Credit Reporting Agencies. Only XXXX  removed the late payment ( in error ) from my credit report. Equifax and XXXX XXXX were both contacted and also received the same information that XXXX   received. They are still showing a late payment on my credit report after communicating with me in XXXX, XXXX that the late payment would be removed from my credit report. 
It still hasn't been removed by either XXXX XXXX or Equifax. 
Could you please help me resolve this issue with these 2 credit reporting agencies, as I have never had a late payment and they refuse to help me. 
Sincerely, XXXX XXXX XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
When funds were low and deposit was pending they charged my savings account the fee. Then started it couldnt be over 4 hours at a {$0.00} on the account before you got a late fee.

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 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Per my rights as a consumer under FCRA and Section 15 USC 1681 I did not give permissible purpose nor did I give my written consent for the accounts to be published on my report. I also did not give written consent for my accounts to be sold to a third party, under 15 USC 1681 and as a consumer per federal law the accounts listed have violated my rights and must be removed. The accounts to be removed are as follows ; 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 non-monetary relief
Consumer complaint received 2023-06-12
Company: GOLDEN 1 CREDIT UNION, THE
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:
THIS ACCOUNT IS NOT RELATED TO ME THE GOLDEN 1 CREDIT UNION

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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX violated the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, BUT THEY WILL GET AWAY WITH IT? 
Just this morning, Monday, XX/XX/XXXX, I found out through XXXX XXXX XXXX  free credit reporting service called XXXX XXXX, that Trans Union not only does not show anymore my 2 accounts with XXXX XXXX  as negative and derogatory accounts, BUT THAT THOSE 2 ACCOUNTS WERE ELIMINATED FROM THE TRANS UNION CREDIT REPORT AS IF IT NEVER HAPPENED? THIS DOES NOT SOLVE MY PROBLEM EITHER : ALL MY EFFORTS STEP BY STEP TO FULLY UPDATE AND PAY THIS 2 ACCOUNTS WITH XXXX WERE SIMPLY ERASED AS IF IT NEVER HAPPENED? I PAID AS AGREED A CERTIFIED PAYMENT AGREEMENT DIRECTLY WITH THIS BANK NEVER TO A COLLECTION AGENCY TO THE ORIGINAL ACCOUNT NUMBER AT THEIR OWN BRANCHES IN CASH, THERE ARE 2 LETTERS CERTIFYING THE BEGINING AND THE END OF THE CERTIFIED AGREEMENT BOTH FROM XXXX, A COLLECTION AGENCY LETTER RECOGNIZING THIS AGREEMENT INFORMING XXXX WAS GOING TO REPURCHASE THIS ACCOUNT AND RECOGNIZING I WAS PAYING DIRECTLY TO XXXX, AND ALSO, THERE IS A XXXX LOAN I FULLY UPDATED DIRECTLY WITH XXXX STEP BY STEP UNTL 34 REGULAR MONTHLY PAYMENTS AFTER IT WAS UPDATED ON XX/XX/XXXX THE SAME BANK SANTANDER PROHIBITED ME TO CONTINUE TO PAY IT? RETURNING MY LAST PAYMENT JUST TO KEEP REPORTING IT WAS A LOSS AND FAILED TO PAY WITHOUT NEVER UPDATING THE CREDIT REPORTS? ALL MY EFFORTS ARE GOING TO BE THROWN TO THE TRASH? XXXX OR THEIR NEW PARTNER XXXX XXXX DECIDED THIS SOLVES EVERYTHING? 

THAT IS NOT TRUE : DURING ALL THOSE YEARS OF INCORRECT AMD NOT PRECISE CREDIT REPORTING BY XXXX, SPONSORED NOW BY XXXX XXXX, MY CREDIT REPORT WAS SHOWING FALSE DELINQUENCIES FOR THIS 2 ACCOUNTS, I WAS CONSISTENTLY DENIED UNFAIRLY EVEN FOR SMALL LOANS UNLESS AT A TOO HIGH INTEREST RATE FOR AFFECTED CREDIT, HAD TO ACCEPT 2 MASTER CARDS FROM XXXX XXXX XXXX  AT A TOO HIGH INTEREST RATE OF 36 % THAT EVEN TODAY 5 YEARS AFTER WAS UNABLE TO CLOSE WITH A NEW SMALL LOAN JUST TO CLOSE THIS 2 CARDS WITH NO MONEY LEFT FOR ANYTHING ELSE? ALL THE NEEDS WERE NOT COVERED, HAD TO APPLY WITH MY MOTHER AS CO DEBTOR SEVERAL TIMES AND EVEN WAS DENIED WITH HER LAST TIME AT A PRE APPROVAL FROM XXXX XXXX XXXX FOR THIS PURPOSE?

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 2020-07-27
Company: Paypal Holdings, Inc
State: DC
Product: Credit card or prepaid card
Sub-product: Gift 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/XXXX made a {$170.00} digital gift card purchase from pay pal to make a {$160.00} XXXX   purchase from XXXX XXXX  an online sale of XXXX XXXX. on XX/XX/XXXX i contact XXXX XXXX only to find out that pay pal did not process the digital gift card at which point i demand a refund which paypal refused stating no refund on gift card i purchase this card for the sole purpose of a transaction with XXXX XXXX since its pay pals negligent in processing the transaction. digital gift order # XXXX Amount {$170.00} case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Dispute number XXXX : If the culmination of systematic payments and insurance checks pay the 75 month account off many months before it was due, why is there still a year 's worth of late payments on my record? The monthly payments of {$110.00} were slightly over what was requested every month. Both the primary insurance and the GAP insurance had to make their payments before I started making mine. The GAP insurance payed late, plus I had a dispute with them. Once I started making my payments, they were slightly over the amount requested, on time, and resulted in paying off the contract many months before it was originally due. The report of late payments is inaccurate and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: KY
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:
Credit reporting Agency claims an account was opened on XX/XX/XXXX with a freeze in place on credit report. Report states the account was first delinquent on XX/XX/XXXX. Disputed it on XXXX, report does not show that I disputed either credit reporting agencies, on XX/XX/XXXX got an email stating that I requested the dispute be canceled which I did not. All 3 credit reporting agencies say they investigated, verified, and got results in one day on XX/XX/XXXX over a 3 day weekend holiday which the business was closed, which they should be able to delete this in 3 days. No inquiries is reported from either agencies. They got the verification letter I sent on XXXX asking the reporting agency to verify this account was opened on XX/XX/XXXX in writing and over the phone or Delete. Last checked my credit report it still shows the same account with inaccurate info. The reporting agency has different addresses for this business. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
When I reviewed my credit report once again, I discovered that some of the information was still erroneous. The 3 credit bureaus must validate these accounts, It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report Here are the aforementioned accounts : XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$18000.00} XXXX XXXXXXXX Balance : {$22000.00} XXXX XXXX Balance : {$870.00} XXXX XXXX XXXXXXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX FIN XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$300.00} XXXX XXXX Balance : {$870.00}

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 2020-07-27
Company: TRANSWORLD SYSTEMS INC
State: MT
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This complaint is in regards to inaccurate credit reporting from XX/XX/XXXX to the date of this complaint. The debt which is the matter of this dispute is a credit card debt with the XXXX XXXX XXXX ( XXXX XXXX XXXX ). 

On or around XX/XX/XXXX, I contacted Transworld Systems , Inc. ( TSI ), a debt collection agency to which the XXXX XXXX XXXX had assigned my credit card debt, to pay off my debt in a lump sum. I was told that my current balance was {$2500.00}, which I paid over the phone during the conversation ( copy of the check attached for reference ). In mid-XX/XX/XXXX, I contacted TSI regarding inaccurate credit reporting because my credit report showed a {$40.00} balance and the debt showed as " past due account in collections. '' TSI 's customer service representative assured me that the information would be fixed to reflect accurate reporting showing a XXXX  balance and that the account was paid in full. On or around XX/XX/XXXX, I contacted TSI again with the same concern because the account was still showing as {$40.00} past due in collections. This time, the collections agent told me that the {$40.00} was, in fact, a credit for " overpayment '' and that I should receive a check from the XXXX XXXX XXXX for {$40.00}. On or around XX/XX/XXXX, I received a check from the XXXX XXXX XXXX for {$39.00} ( attached for reference ) ; however, the account still shows as past due {$40.00} with a collections agency. On XX/XX/XXXX, I contacted the XXXX XXXX XXXX, the collections agent repeatedly ignored my concerns regarding the inaccurate credit reporting. My main concern in this matter is not the {$40.00} but rather the eight months of inaccurate credit reporting in violation of both the FDCPA and the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: TRANSUNION INTERMEDIATE 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: Investigation took more than 30 days

Complaint:
I was in the process of refinancing my home. I alerted my lender and XXXX-XXXX  XXXX of the impending re-fi and was told that as long as payment was received before midnight on XX/XX/XXXX, that there would be NO adverse late payment reporting to the 3 Credit Agencies. I have documentation that XXXX XXXX received the payment and total loan payoff on XX/XX/XXXX. 
I submitted all of the documentation to all 3 Credit Reporting Agencies. Only XXXX  removed the late payment ( in error ) from my credit report. XXXX  and Trans Union were both contacted and also received the same information that XXXX   received. They are still showing a late payment on my credit report after communicating with me in XXXX, XXXX that the late payment would be removed from my credit report. 
It still hasn't been removed by either Trans Union or XXXX. 
Could you please help me resolve this issue with these 2 credit reporting agencies, as I have never had a late payment and they refuse to help me. 
Sincerely, XXXX XXXX XXXX or 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 2020-11-25
Company: EQUIFAX, 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:
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on Equifax for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2022, XXXX XXXX XXXX XXXX OH XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$980.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1100.00}, XXXX ( XXXX : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$330.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$620.00}, XXXX XXXX Balance : {$110.00}, XXXX XX/XX/2022, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-05-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX are reporting 7 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax,XX/XX/XXXX and XX/XX/XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I, the consumer, disputed this debt in XXXX of 2020 with XXXX , XXXX. After an investigation, the credit bureau concluded that this account is an error and sent notification to Cavalry Portfolio Services to cease reporting and trying to collect the erroneous account information. Despite notification per the FCRA and removal of the errors by XXXX , XXXX, Cavalry Portfolio Services , LLC has continued to report the erroneous information, attempted to collect, and has continued to operate in violation of the Fair Credit Reporting Act, 611.5Ai.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-18
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Please Please Help Me Copies enclosed. 
Barclays Bank Delaware extremely stressful going on. 
Numerous Numerous call ( hang ups mostly ) record on cell phone. 
Rep no knowledge of banking procedure As you will see they credited the {$790.00} check to husband account on XX/XX/XXXX On XX/XX/XXXX they transfer to my account ( we both have accounts ) Now my accounts shows {$310.00} Credit ) Why would they apply this to my account when I did not owe {$790.00}? Why Awful banking right there. 
On my husband account they are saying payment due-his due date is XXXX/XXXX/XXXX I paid XXXX on XXXX/XXXX/XXXX so how is a payment Past Due! Come on Barclays Charged interest on XXXX/XXXX/XXXX {$14.00} I have been with this credit some years never this much game playing! 
They are reporting negative information on credit report 30 day late I have never complain about what I felt unfair or unethical with there procedures However, I would now like to see Barclays Bank Treat me as a rel customer. 
Apply the {$310.00} credit to the account they took from.Also remove any negative information from husband report. 
As can see Barclays all people are human. 
Barclay this was very costly for us! Could not purchase home Due to trying desparley to bring down debt ratio. 
Your failure to apply money in time. 
Barclay please do the right thing and correct this error. 
Thanks

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