BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: FL
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$770.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$900.00} ; XXXXXXXX XXXX  XXXX XXXX Balance Owed : {$960.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1600.00} ; XXXX XXXX XXXX Balance Owed : {$960.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2400.00} ; XXXX XXXXXXXX Balance Owed : {$560.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$950.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$560.00} ; XXXX ( XXXX XXXX : XXXX XXXX ) XXXX Balance Owed : {$560.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXXXX/XX/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 2023-11-03
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Waypoint Resource Group, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX says we still owe {$50.00} from XXXX. 

In XXXX we rec 'd a collection notice from XXXX, stating if we paid {$32.00} of the XXXX they would resolve the account. I paid that amount on XX/XX/XXXX. 

This week ( XX/XX/XXXX ) we rec 'd a collection notice from Waypoint Resource Group saying that we still owe the XXXX from XXXX. The person I spoke to said she's talked with other customers who have a similar issue. I asked to appeal, saying I've already paid what was owed. She said that several XXXX account debts from XXXX have resurfaced.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
Recently I contacted Capital One ( CO ) for a retailers, XXXX ( XXXX ) failure to credit my account XXXX after months of promising to do so. ( I had returned items within 7 days, following XXXX instructions to the letter. ) CO did remove the charges only to replace charges back on within a couple of weeks. When I called to inquire, CO, informed me, XXXX stated that had not recieved items ( which were 5 sanitizers ) and I would need to show proof that I had returned. I let them know, this was the 1st I had heard of this, since XXXX had not answered any of my emails. However, I did send a copy of the XXXX label showing date, address, time & DELIVERED seal to both CO & to XXXX. 

As weeks went by and nothing happened, I called CO and was now being told the proof they requested was not sufficient and they now needed to speak with someone at XXXX ( even though they took no initiative to contact anyone at XXXX ). I t found this to be absurd and requested a supervisior. I spoke with 2, and was told the same ridiculous thing. 

I sent an email to the CEO office making him aware of situation and how disappointed I was to know that someone could be out of hundreds or even thousands of dollars based on an employees incompetency and offering PROOF is not sufficent for CO. 

In the mean time I did recieve an email from XXXX letting me know they did have their merchandise and I would be recieving my refund. 

The same day I got the email, a person, from the ceo 's office called and basically said too bad for me, I wouldn't be getting my money back. That is not verbatim, nonetheless, she could not have been having a very good day as she wasn't good at faking being very nice, I didn't let her bother too bad because I had an email stating otherwise. 

I sent in additional information and uploaded more documents a few weeks ago and no one at CO has had the courtesy or decency to even respond I have recieved several email from XXXX and I have gotten quite ugly with them. Now I find out it is CO blocking them! 

I Pay CO. I Pay ontime. I Pay above and beyond. 

This is DISTURBING! The treatment I'm recieving is unacceptable. 

XXXX has their merchandise back! CO has MY MONEY!! I have Nothing but stress compliments of CAPITAL ONE!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-21
Company: Senex Services Corp.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Around XX/XX/XXXX I asked for verification for Senex Services reporting on my credit. First of all it took more than 30 days for the credit bureaus to even respond to me. When I contacted them they told me that they verified the information with Senex services and that they were within the law to report what they had on my credit bureau. Well Senex Services sends me a letter that is in violation of my XXXX rights and its illegal for the credit bureaus to even be reporting Senex Services on my file.If in fact the attached is what was sent to ALL 3 credit bereaus..XXXX, XXXX andcXXXX. I demand that Senex Services removes this from all three credit bureaus immediately.my medical information was NOT TO BE shared with a 3rd party nor these 3 credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: PRESTIGE FINANCIAL SERVICES INC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date  opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. 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
Consumer complaint received 2022-12-10
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Applied/Approved and opened the Bread XXXX XXXX XXXX the beginning of XX/XX/2022. {$3000.00} limit. 

Received card about a week later and activated. Didn't try to use it for another week or so. 

Tried to book a room online for a trip and was denied. Thought maybe I entered info wrong so I tried to add it to my XXXX wallet and pay that way. Denied. 

I called Bread/Comenity who had me verify all of my information and then told me they couldn't tell me why. They told me they weren't allowed to because of fraud and that I needed to EMAIL them a copy of my drivers license, social security card and utility statement. I told them that was suspicious and they said they would just send me a letter in the mail about it. 

No letter arrived so I called back and they said they would send another letter. This was the case through XXXX, and now in XXXX I am contacting the CFPB. 

I can still log into the account online and it shows the XXXX as available credit. 

The haven't reported the account to any Credit bureau, they also haven't reported any of my other Comenity card history since XXXX. There is a whole thread of people on the credit forum that are having to dispute their reports just to get them to report. 

If they didn't want to give me the account that is fine, but don't issue the account then lie about fraud after the fact. I am tired of waiting on hold for them to try and get me to send them unsecure emails with my SS in it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have tried to dispute a cable bill with TransUnion because it has been paid XX/XX/XXXX. TransUnion has yet to remove this balance. I have tried disputing XX/XX/XXXX and XX/XX/XXXX and both times they claim they have accurate information. I have contacted XXXX XXXX the original creditor and they have indeed confirmed it was paid and sent me the receipt and bill. I also disputed with XXXX and they HAVE removed 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 2018-01-16
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I sent Coinbase Inc. a wire in the amount of {$20000.00} from my business account to my personal account at Coinbase. After a few days the funds were still not in my account. I contacted Coinbase and they stated on XX/XX/XXXX that {$20000.00} would be reversed back due to my personal account name not matching my business. They stated it would take at 7 to 10 business days to process the reversal as of XX/XX/XXXX. 

I followed up well after 10 business days on XX/XX/XXXX, and Coinbase stated that they have a specialist addressing it and will follow up with me as soon as possible. 
I contacted Coinbase on XX/XX/XXXX due to lack of response. 

They still have not responded to me as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: FL
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 

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

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 2022-12-10
Company: EQUIFAX, INC.
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: STERLING JEWELERS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I booked a flight on XXXX through chase ultimate rewards using points. The flight was on XX/XX/2022. XXXX cancelled the flight XXXX XXXX XXXX XXXX XXXX Chase said they would refund my flight due to XXXX cancelling because of the XXXX XXXX XXXXt XXXX Chase said they would refund me in a statement credit of {$1300.00}. And that I would have it by XX/XX/XXXX at the latest. This date was not met. Then I was told it would come as points instead of a statement credit, but was never provided an amount of points. 

I confirmed with Chase that they received {$670.00} from XXXX, but they have not provided an equivalent refund of points, despite saying for weeks that they would do so, having admitted the error or their part. They have been holding this refund up for months now with no concern for my financial well being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-06
Company: SYNCHRONY FINANCIAL
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Roughly 16 months ago I settled an account with XXXX XXXX XXXX XXXX for roughly 75 % of my balance that was owed at the time. The account had since been deleted from my credit report and Ive been working on stabilizing my credit to buy a new home. Randomly at the start of XXXX I had an alert for a drop in my credit score ( a BIG drop! Not good when house hunting!! ). I checked and it was due to TWO new reports of collections from XXXX. I immediately called the company when I realized it was the account I had previously settled. They were claiming that I still owed the remaining balance etc despite having documents stating the account was settled / closed. I was given the run around for 2 weeks, being told to call back tomorrow and not to dispute anything yet on the credit report because it could delay things. Finally I disputed it because the company was NOT helping me and kept pushing it off like it was nothing. The dispute went through but the collection is still showing on my report because it was reported TWICE and only one was removed. My credit has remained significantly LOWER despite having one of the collections removed, causing trouble with getting mortgage rates that Ive been working so hard for! Terrible terrible TERRIBLE and useless customer service / managers.

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 2020-01-06
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. 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
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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

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 2022-12-10
Company: Kriya Capital, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX {$1500.00} from XXXX XXXX XXXX XXXX XXXX NEVER received any notification of this amount or account. NEVER had an account with XXXX XXXX during this time period. 
When I called and asked the Credence Resource Management Representative, and also spoke with a Supervisor, would not mail documents to my address. 
I asked where they were located, and he responded : " XXXX, offshore ... '' I also asked repeatedly if this was a scam, and they did not respond. I only gave my name and zip code, then they hung up on me.

Company response to consumer: Closed with non-monetary relief