BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-20
Company: Winklevoss Exchange LLC
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 status incorrect

Complaint:
XX/XX/2023 - I contacted Gemini Credit Card in regards to my open account. They responded stating that my account was actually closed. However, they never removed themselves off of my credit report. 

XX/XX/2023 - I emailed Gemini Credit Card and asked them to remove themselves off of my credit report immediately since my account was closed. I never heard back. I have contacted them several times since then, and still no response. 

XX/XX/2023 - I dispute the account with the credit bureaus stating " Account Closed '', and during the investigation Gemini responds to XXXX stating that the account is actually active and they reject my dispute to remove the closed account. I contact Gemini Credit Card once again, and AGAIN they state my account is closed. I am vexed at their incompetence and need this matter resolved immediately. Either activate my credit card, or remove yourself from 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 2023-02-04
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My TD Business bank account was closed in XXXX due to their own random suspicions. I was told I'd get a letter in the mail with a cashiers check. It was never received and I've visited the branch multiple times and have been left hanging. 

The name of my business, " XXXX XXXX XXXX ". 
My account was closed with {$22000.00} in it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20
Company: EQUIFAX, 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:
This is the several time 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This Complaint will serve as a follow-up to my previous complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
On about XX/XX/2018, my account on Coinbase and XXXX was locked for no apparent reason - specifically, Coinbase prevented me to do any additional Buys - which automatically locked me out of logging into XXXX where all of my funds are currently stored. After numerous calls and emails, I have not heard back nor got any further explanation except that there must be an error and my case number : # XXXX or # XXXX was being escalated. As of XX/XX/2018 - I have not heard back from them on what progress is being made to release my account back to me so that I may get my funds back into my hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Once again, on XX/XX/19, XXXX  misreported my Toyot Motor Credit account aa a chragevoff/bad debt, despite their [ rior cknowedgeent tht theccount Was properly paid off through Toyotas own gap insurance. Idontundertnd this brazenly bad conduct, This improper information has badly affected my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This debt collector is attempting to collect an alleged debt that is listed under the original creditor on my profile. If this alleged debt has been sold, then XXXX XXXXXXXX XXXX would need to remove their reporting like of credit as duplication of account reporting is inaccurate and a violation of the FCRA. 

I have attached the correspondence from XXXX XXXX, and the reporting of XXXX XXXXXXXX on XXXX, XXXX, & Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
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:
Portfolio Recovery Agency ( PRA ) is violating my rights. I requested validation of the debt. PRA sent  information validating the debt. I disputed the accuracy of the information several times. XX/XX/XXXX PRA submitted information to CFPB that my Date of Last Activity ( DOLA ) is XX/XX/XXXX. PRA sent documentation ( enclosure 1 ). The documentation does not establish the DOLA. The first page from PRA files of the original creditor ( OC ) ( XXXX XXXX ) states that your behind by six payments the due date XX/XX/XXXX minus six payments will place the DOLA XX/XX/XXXX. PRA date of this information was XX/XX/XXXX. ( enclosure 1 ) I made a request to XXXX XXXX. I requested the information transferred and sold to PRA in which included the entire history of payments. The last payment made to XXXX XXXX ( OC ) is XX/XX/XXXX. ( enclosures 2 ) I compared the documentation from PRA and OC. PRA omitted the payment history in which establishes the DOLA. The OC documentation included the DOLA. ( enclosure 1 & 2 ) PRA documentation only show  XX/XX/XXXX and no payment history or the DOLA. The OC documentation shows correct payment history without any omissions. ( enclosure 2 ) PRA is reporting to Equifax false information. Equifax is reporting the date of first delinquency as XX/XX/XXXX. The date of first delinquency according the OC is XX/XX/XXXX. Equifax does not show the date of last payment ( enclosure 3 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: EQUIFAX, INC.
State: NJ
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:
My name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove this fraudulent accounts in my file ASAP : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX  ) XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}, XXXX XXXX XXXXXXXX XXXX XXXX Creditor : NJ XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$120.00}, XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: IQOR US 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: Account information incorrect

Complaint:
Allied Interstate reported a delinquent account from original creditor XXXX XXXX as a debt owed of {$360.00} on XX/XX/XXXX. Account was not on credit report at time settlement payment was made on the same day by myself. Spoke with XXXX XXXX ( identified as supervisor ) to request they remove from credit report. He refused to remove and stated they will update information as paid. I had already paid the settlement amount within timeframe given on letter received by the company which gave me up until XX/XX/XXXX to pay. Company never informed me they will be reporting this again after it was initially previously removed in XXXX. I informed this supervisor that not only did they report false information because account was paid but also they were in violation because according the FCRA I am to be given a 5 day notice before an account is reinserted. Please remove this account from my credit report. He continued to refuse. I also informed him I will be retaining a lawyer if the company continues to refuse to remove false information. 
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 2023-08-09
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I applied for a XXXX XXXX card, run through Comenity Bank, and was approved. I never received the credit card as it shipped to a location I could not receive it at. I called several times when I received an email about a payment being due from an online purchase made by one of their sales associates ( as I did not have a credit card I could use to make the purchase ). I tried to get the card sent to a different address. I offered to verify my identity using my SSN, or any other PII they had on me. They refused to verify my identity, or send the credit card. Without verification, or an actual credit card, I could not access my account, view my bill, or even get my account number. I also was unable to make any purchases. I told them I would not pay a bill that I was not allowed to review, or for a card I was not able to use. I then closed the account. They have now been harassing me non-stop for months on end. It is my understanding, following some light research after this incident, that they are only supposed to call up to 7 times a week. On average, I get around 5-7 phone calls every single day, sometimes more. This is harassment and totally unacceptable. They also block their caller ID, which it seems they are allowed to do, but is still very deceptive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20
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: Personal information incorrect

Complaint:
name is XXXX XXXX XXXX they have so many different names on my account that I would like to get taking off I only want XXXX XXXX XXXX on my credit report no others

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 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15usc 1981 Accounts 1 ) XXXX XXXX XXXX Account 2 ) THE FICO XXXX  XXXX  Account 3 ) TRANS UNION Account 4 ) XXXX Account 5 ) XXXX XXXX XXXX Account 6 ) XXXX XXXX XXXX Has violated my right. 15 usc 1681 section 602 ) State I have a right to privacy. Section ) 604 Consumer reporting agency can not finish a account without my written instructions Also if you read 1681s-2 ( A ) 1 1681c. ( A ) ( 5 )

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 2023-09-07
Company: EQUIFAX, INC.
State: PA
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20
Company: Westlake Services, LLC
State: OK
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
For the past two days Westlake Financial has used an automated dialer calling me after XXXX XXXX multiple times.

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 2020-12-02
Company: CITIBANK, N.A.
State: AR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I opened a Best Buy Credit Card recently thru Citi bank. I received my card on XX/XX/XXXX, on XX/XX/XXXX I set up my account online so I could make payments. The purchase i.made with the card was 18 months no interest with payments. Once I setup my account online it showed a payment due on XX/XX/XXXX or XX/XX/XXXX, I immediately made a payment. I never received a notice saying when a payment was due. I messaged Citi & Best Buy for a explanation. Both blame the other. As of today, Citi has given me a reply that I would receive a explanation within 24-48 hours and another message saying 15 days. I also have ask that since I closed my account does this affect the 18 months finance, will I have to pay the balance in full to avoid interest. It's been a week since I inquired about this. I can't get a reply from Citi, Best Buy still says Citi is responsible. I need this looked into since I get different answers. 
Thanks, 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 2019-03-11
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was approved on XX/XX/18 with my mortgage lender, XXXX XXXX, for an Affordable loan modification to lower my mortgage payment from {$1200.00} to {$1100.00}. I was told that I would have to make 3 trial payments and my payments would become permanent at or around the same amount of the trial payments. I was notified in XXXX that Mr. Cooper/Nationstar would be servicing my loan starting in XXXX, after my final trial payment was made. I was told that they would honor the terms of my modification. I successfully completed my trial payments and anticipated receiving my final approval from Mr. Cooper but what I received was an approval for a modification that would actually raise my mortgage payment to {$1300.00}! This amount was not at or around the amount of my trial payment, nor was it affordable which is what I was approve for by XXXX XXXX. I have spoken to several people with Mr. Cooper who refuse to honor the terms of the modification that I agreed to when I was only 2 months behind and could have reasonably caught up on, now I am in default and in danger of foreclosure unless I accept these unfair terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: Experian Information Solutions 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 information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2023-09-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX, Equifax, XXXX a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.t

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Time Investment Corporation
State: NC
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 reporting act XXXX XXXX XXXX of XXXX XXXX Account XXXX has violated my rights. 

Code 1681 ( 2 ) a, i.has been violated.

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: AL
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:
Hard Inquires Listed Below -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 explanation
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 investigated my credit report, I realized that some of the information was erroneous. The 3 Credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$0.00}.

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 2020-02-26
Company: Fay Servicing, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX sold our loan to Fay Servicing. XXXX XXXX did a loan notification before loan was sold. Fay Servicing states that they dont have loan modification papers from XXXX XXXX and XXXX XXXX states they have sent it to them. We have been paying the modification payment since they took loan over but the statements coming in shows we havent been making payments when they draft the monthly payments from my XXXX  XXXX XXXX checking every month. Then they state they since the modification is now over in which they had no record of the payments will go up XX/XX/XXXX, but said the we are in pre foreclosure at the moment. They also sent XXXX a new modification in the mail for us to sign which makes the loan stretch out to XXXX when we only owe XXXX on the home and will be paid off in 5 years. We have to fight them to accept our payment every month. We need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I believe my information is being used without my consent or might be part of a data breach the following items dont belong to me and I have never had any relationships with these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: EQUIFAX, 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 XXXX XXXX XXXXhas  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 response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: TRANSWORLD SYSTEMS INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company has repeatedly harassed me about a dept Im not liable for. I have no financial obligations to the institution for whom they claim to represent

Company response to consumer: Closed with explanation