BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-20
Company: SYNCHRONY FINANCIAL
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I acquired this loan through my XXXX XXXX to pay for their services because insurance refuses to cover it. The Company is called CARECREDIT/SYNCHRONY BANK.  I was set up with a {$70.00} payment once a month due on the XXXX. I have paid consistently but they keep adding late charges. I called to ask why since my due date is the XXXX and I always pay before then.. I was told several times that they didn't know why but would reverse the charge. Today I spoke to them and they said my due date was changed to the XXXX of every month and I am being charged late fees because of their original late fees. I plan to get a different loan and pay it off. I wanted to make sure they don't do this to anyone else.Predatory Lenders!!!!!

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 2020-09-20
Company: Experian Information Solutions 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:
Experian has let an aged bogus medical collection stay on my report as a new collection account and isnt even listing it as Medical.

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 2018-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My wife purchased a washing machine on XX/XX/XXXX for installation in my new home that was under construction. 
When the house was ready we informed the merchant and expected delivery. 
Merchant refused to deliver, stating that my credi card company ( Bank of America ) had not transferred the funds to his bank ( XXXX XX/XX/XXXX ) The sum of money {$420.00} is in dispute. 
My account was debited accordingly.

My wife has made 23 calls to various personnel at B of A. 
She spent a couple of hours with the merchant at his bank trying to trace the alleged BofA transaction. 
XX/XX/XXXX requested written evidence that BofA made the transfer. 
BofA refused to send the documentation. 
We received a letter from BofA dated XX/XX/XXXX stating that our account had been reviewed by the bank and that the charge was no longer being disputed -- totally erroneous. 
Several calls were subsequently made by my wife, and yesterday I personally went to the XXXX Ca branch of BofA to speak to a bank officer- We both had a telephone conversation with a BofA rep from Utah , XXXX XXXX -- very civil and accomodating. 
However he stated that he could not send any written confirmation of the transfer -- he quoted a reference number XXXX that he suggested we give to XXXX XX/XX/XXXX for subsequent investigation of their records. 
This ' '' might '' prove that BofA had sent the funds. 
Having been effectively fobbed off by most of the Bof A personnel whom we called ; Having coordinated things with both the merchant and his bank-to no avail, the situation has become extremely frustrating and unacceptable. 
Therefore we request assistance to resolve it

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 2020-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
In XX/XX/2016 my husband and I were moving from one city to another and we decided to stop at a XXXX store to buy a hammer before arriving at the new apartment. It was around XXXX XXXX. When we got back to the car, the passenger window was forced and my purse with all our documents -including passports, social security cards, and driver licenses were stolen. The police told us that it was common in the area. 

We reported the situation to the credit bureaus but after 6 months some credit cards were opened using our information. A Journey Capital One was opened using my information. I discovered this in the last few months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Capital One is not helping me with my dispute. They continue dropping my claim stating that they don't have sufficient documentation to start the claim. I have provided every single document that they asked me for to prove that I'm entitled to a full refund. They don't want to take the initiative to help me. I tried to resolve my problems several times with the merchant ( XXXX ). They have very poor customer service and they don't want to deal with me. This is why I've opted to go through my credit card company and submit a dispute through them instead. I have all the documentation that I could forward to you in order to validate my claim per your request. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had deposited 4 checks into my TD bank account at the ATM for XXXX XXXX XXXX and for XXXX and TD bank refuses to let me have access to my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: EQUIFAX, INC.
State: NC
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 on XX/XX/XXXX. My first payment of {$120.00} was due on XX/XX/XXXX. I made XXXX payments of {$120.00} each from XX/XX/XXXX to XX/XX/XXXX for a total of {$980.00}. I assumed this was paid off since I no longer heard from them after my last payment was made. They have now sold my account to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX @ XXXX : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX has place a collection account on all three credit bureaus for the amount of {$1400.00}. I have disputed these amounts since I have already paid XXXX. This was a payday loan that I am now aware of as being illegal in North Carolina ; however, the main issue is that they were paid three years ago and they are putting an outrageous balance on my credit report that is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX Opened fraudulently XXXX XXXX XXXX now was handed to Midland Credit Management. 
Open fraudulently on XXXX of 2020 per the last credit report. 
XXXXXXXX XXXX checking account XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Persolve, LLC - Legal - Series 2
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent documentation and letter stating the amount owed on this account and was told I was owed {$76.00} for Acct # XXXX. 

I sent a letter on XX/XX/2021 and XX/XX/2021 to this debt collector request a dispute and documentation that I have signed to prove that i owe this debt. They stated that they had proof that i signed the documentation but never provided with a sign documentation that i owed that debt. 

I requested proof of the authenticity of this account. They stated that they were debt collector and had proof. In addition, I sent a HIPPA letter and stated numerous times for proof of debt from the original debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 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, gave me two letters of release stating the debt wasn't mine XXXX   and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX  XXXX GA XXXX My name is XXXX XXXX XXXX My phone number is 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 explanation
Consumer complaint received 2023-06-13
Company: Paradigm Assets, LLC
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The collection account for JHPDE FINANCE I , LLC debt is beyond the statue of limitation in Illinois and should be removed according to Illinois law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Coinbase, Inc.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have a crypto account with Coinbase pro and I usually use their app to trade or transfer money and check my portfolio but for the last 2 days I can not access my account through their Coinbase pro app on my XXXX. I contacted their support which are very incompetent and do NOT know what they are doing and are NOT capable of fixing my issue. And still till now I can not access my account and I have crypto in it and I have invested a lot of my money with Coinbase pro but they are not helping me access my account and they can not resolve the issue and I do not want to lose all my money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
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:
Good Day, I am XXXX XXXX XXXX and the reason I am reaching out is to complain about TransUnion and for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : 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 HAVE RECIVED MY LETTERS.

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 2021-03-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am requesting an updated report on my credit file and dispute results from my recent dispute ... 

ACCOUNTS XXXX  XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX CO XXXX not mine COLLECTIONS XXXX XXXX XXXX XXXX-XXXX {$1900.00} not mine XXXX XXXX XXXX XXXX-XXXX {$850.00} not mine XXXX XXXX XXXX XXXX-XXXX {$850.00} not mine PUBLIC RECORDS US DIST CT BKPT XXXX not mine US DIST CT BKPT XXXX not mine US DIST CT BKPT XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2021. And now we are in the month of XXXX 2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: FC HoldCo LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
In XXXX of XXXX, my mother and I went to XXXX XXXX XXXX looking for a used car. I just turned XXXX and this was my first vehicle loan. The car already had pre-existing damage on the right front bumper/headlight area which was not noticed at the time of purchase. The reason for my complaint is that I was over charged for the car and the interest is excessive. The XXXX XXXX XXXX for the car today is around $ XXXX {$6200.00}, which means 9 months ago the book value on the XXXX XXXX XXXX XXXX was only around {$9000.00} to XXXX or less, but I was charged {$15000.00}. There was also a NA charge of {$2400.00} undocumented. I do not know what that was for. My complaint is that I have made 9 payments of {$530.00} which totaled {$4800.00} but my payoff amount is {$17000.00}. Very few of my money from my payments are being applied to my loan, so a majority is going to interest which is Total paid of {$18000.00} - XXXX = XXXX but again the payoff is {$17000.00} so {$3900.00} went to interest. I would like my loan cancelled so that I can purchase another vehicle with a more favorable interest rate. I feel as though I was definitely taken advantage of being a first time car buyer.

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 2020-02-10
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 am a victim of identity theft

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 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any 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 2020-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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 I opened an account with Capital One on XX/XX/2019. 

Trying to set up online payments when their system did not send out a bill as it was marked paperless when you set up an automatic payment. 

The bill was missed as I did not get the auto drafting functioning and the paperless billing was selected. 

I called into Capital One and a note was added to my account that the bill was missed and the account was paid in full. 

I requested that Capital One remove the negative payment mark as the account not even 60 Days old when they reported the delinquent payment instead of sending either via eMail of USPS that the account was going to be reported delinquent on my credit. 

I want this removed from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Paypal Holdings, Inc
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone used my maiden name to open up a fraudulent credit card. XXXX XXXX XXXX is trying to collect a debt of XXXX from a fraudulent PayPal account. XX/XX/20XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I received a recent copy of my credit report in XX/XX/2020 Upon looking at the accounts, I've noticed some accounts reporting inaccurately and incorrectly. I disputed the accounts in hopes each of the bureaus, TransUnion, XX/XX/XXXX, and XX/XX/XXXX, do an investigation on the companies and verify the accounts. Since then, I have mailed letters to each of the bureaus and haven't received any responses or results back. I am very upset on how the bureaus conduct themselves and report inaccurate information that disrupt the overall well being of my life.

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 2022-12-06
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX XXXX Account XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  XXXX : # XXXX XXXX XXXX : # XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any 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 2019-09-10
Company: EQUIFAX, INC.
State: IN
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 called in XXXX for my Yearly Free report. I was ignored by this group. I called again in XXXX .. 
My Father received a communication at my address. I am not he. I sent another Request Via USPS in XXXX. 
My Father received a communication again from this group at my address. I am not he. I am being denied my Credit Report AGAIN from this group. 

This is a constant, Annual event.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: Bread Financial Holdings, Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX a hard inquiry into my XXXX credit report was gathered from XXXX. I called XXXX and was told there was nothing they could do to dispute it and I called XXXX and let them know it was not me and they directed me to this website and make a report. 

The following day on XX/XX/XXXX a hard inquiry into my XXXX credit report was gathered from XXXX  Im not familiar with this company and I did not apply for any type of credit over the last few days so all of this was a surprise to me.

Company response to consumer: Closed with non-monetary relief