BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-06
Company: EQUIFAX, 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: Account information incorrect

Complaint:
We leased a car from XXXX in XXXX of XXXX and had it financed through XXXX XXXX. Six months into the lease we paided out the lease. After paying the lease out we still received calls saying that we are behind in our lease payments. We would resolve the problem monthly. XXXX of XXXX we called the dealership and let them know we wanted to lease another car despite the previous problems we had with XXXX. They explained that they were not doing any new leases in Ohio, but there were select number of people that could do another lease term with the car they were already leasing. We said OK, what do we need to do. XXXX at XXXX told me that they had not worked out the details with XXXX yet and to wait until our lease term was up. We waited called daily to find out if they had worked out anything yet. I asked XXXX what we should pay he said just How can debt be veirfied if each credit bureau have conflicting informations Equifax Late 120 XXXX CHARGE OFF XXXX Charge off Date of last payment are incorrect a Accross 3 credit bureaus They are reporting inaccurate info to the 3 credit bureaus. 
Account Type : Installment Installment Installment Account Type - Detail : Auto Lease Auto Loan Collection Bureau Code : Joint Joint Joint Account Status : Derogatory Derogatory Derogatory  Monthly Payment : {$490.00} {$0.00} {$490.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$620.00} {$620.00} {$620.00} No. of Months ( terms ) : 12 12 0 High Credit : {$17000.00} {$17000.00} {$17000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$620.00} {$620.00} {$620.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Late 120 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Collection Account Full termination ; balance owing Unpaid balance reported as a loss by credit grantor. 
Account seriously past due/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
Consumer disputes - reinvestigation in progress Collection account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year 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 CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO The Three Credit Bureaus are involation for not doing a thorough investigation into the matter and allowing said name customer to report fraudulent and unauthorized charges

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I did transfer to XXXX LTC now worth over $ 180K from coinbase to my Ledger wallet, Coinbase time frame is 3 business days, today is the XX/XX/XXXX and trx still showing pending. I tried to contact their support 5 times but of course for scam company no one responds! I think this company does n't have the coins it claims to have on their platform, they use consumer money to make money then who knows if they file bankruptcy and XXXX the consumer in the XXXX! 
Case ID : XXXX Created : XX/XX/XXXX XXXX PSTTransfer ID : XXXX Sent to address : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Canceled an XXXX XXXX XXXX cellular account years ago and XXXX XXXX XXXX never closed the account then when they did they tried to charge me

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 2017-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I keep on getting letters from a company called XXXX XXXX XXXX, in regards a debt I do n't even remember, it most likely be over past 9 years.

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 2020-11-24
Company: Experian Information Solutions 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:
There are several accounts reporting on my Credit Report that does not belong to me. Please assist me in getting these accounts removed from my credit file : XXXX/XXXX - Bal : {$470.00} XXXX CARD - Bal : {$4200.00} XXXX  CARD - Bal : {$0.00} Incorrect Address : XXXX XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX There are also incorrect late status reporting on my credit report. I was never late on the following accounts : XXXX/XXXX - Bal ; {$470.00} XXXX XXXX - {$0.00} XXXX/XXXX - {$3200.00}

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 explanation
Consumer complaint received 2020-09-02
Company: EQUIFAX, INC.
State: VA
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:
Account was sold to another Mortgage company. Account is still showing as open and delinquent which in not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2018 I attempted to temporarily remove an Experian credit freeze so I could get new utility service to my home. I tried to do this on-line but the web-site kept crashing when I submitted the form. So I tried calling... but there is no option for this. It says there is but when you spend 15 minutes on the phone maze it does allow you to do it on the phone - it instructs you to go to the website. I tried the website again and, although this freeze was placed on because I was hacked in the XXXX breach, Experian wants to charge me to remove the freeze. Its online blog says I don't have to pay if I was hacked but I can not remove the freeze unless I pay. Oh, and I tried to cheat my way to a live person and when I got to a place where it said PRESS 1 TO SPEAK TO A REPRESENTATIVE, I was told the wait was more than an hour. I think they have just found a way to make 143 million people pay {$5.00}... that could mean up to {>= $1,000,000} in their pocket.

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 2019-06-07
Company: Social Finance, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I took out a personal loan on XX/XX/2018. Since this time, I have been paying more than my minimum payment. My minimum payment is {$760.00}. I paid {$800.00} all but twice. This allowed me to get ahead and have a lower payment the following month. I only took advantage of this twice, once where I paid {$65.00} less than the total and the other {$15.00} less than the total. This past month I noticed when I paid that it was the full amount. Nowhere did it say that a lower amount was possible. I just had XXXX XXXX XXXX and I was planning on paying less in XX/XX/XXXX, based on some of the bills I figured would be coming my way after XXXX. I called and was passed from one person to a supervisor named XXXX. She said that they had changed things so you could not pay ahead. This change occurred in late XX/XX/XXXX or XX/XX/XXXX. No notice was sent out, they just went ahead and made the change. And according to XXXX, there is nothing I can do about it. So I have been paying extra knowing that I had this upcoming XXXX and I might need a break. But this company decided to change the rules without letting anyone know. I am not sure how they are allowed to do this. I think this is unfair and right now if anyone asked I would definitely not recommend this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I am in the XXXX  and had just moved to Florida in XX/XX/2018. I am ashamed to say thay we were naive to be con into this vacation club/timeshare. 
My wife and I had two credit cards opened in our names while starting this membership that we found out about around 2 weeks later. The day which i believe was XX/XX/2018 we went to a presentation. The manager and sales rep had us fill out paperwork, including a credit application. Now we know at this time, our information was being used to apply for credit cards. This entire process of us starting this membership was expedited due to the time constraints of us having to pick our daughter up from school. When my wife received the cards in XX/XX/XXXX, she called me while I was at a military school in Florida and told me about it. I immediately called the credit card company which should be on their phone records and under my account acquiring about these cards and how to go about disputing the charges. I tried to contact the sales representative and other reps in the company before the cards came and letting them know i wasnt happy with this membership. i have a track of emails dating back a year from me trying to cancel this membership. the only reason the card charges weren't disputed in XX/XX/XXXX was because the membership was still active and we didnt want thia to backfire on our credit. Everytime we would reach out to the company regarding cancelling this membership, they would tell us " we NEVER had anyone cancel and how great the travel opportunities are. We would always ask to speak to the next prrson in the chain of command. after a year and threating to hire a lawyer i was consulting with, they agreed to cancel the contract. We let them keep over {$1000.00} dollars that came from our babk account. Now, they are trying to keep the credit cards money as well. We never verbally told them they could take this money off of the two credit cards they applied us for or we didnt sign a receipt with the credit card information from either card. We were told what our monthly payments would be and that they would come off of my debit card. There were NO services or Supplies rendered for this company to steal and gain a free {$6700.00} dollars in profit from this credit card company.

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 2021-02-25
Company: HYUNDAI CAPITAL AMERICA
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:
I have 25 inquiries from XX/XX/XXXX to XX/XX/XXXX that dont relate to me

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 2017-08-06
Company: Bread Financial Holdings, Inc.
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have an XXXX card issued through Comenity Bank. I told them ( XX/XX/XXXX ) to close my account, which had a XXXX balance and is never used - and I received a confirmation email from them that it had been closed. A few months later ( XX/XX/XXXX ), I received a promotional email encouraging me to use my card. When I logged into my online account, it still shows the card is open with {$2000.00} available credit. I emailed customer service and told them again to close my account. They sent me a letter stating my account had been closed as I requested in XX/XX/XXXX. A month later after getting another promotional email, I told them to close my account. They responded that to resolved the issue I had to call them. On XX/XX/XXXX, I received another promotional email encouraging me to use my card. I logged in again and my account is still active. I emailed customer service again today ( XX/XX/XXXX ) that I wanted my account closed immediately. I should not have to call and argue with an account rep who is going to use a strong-armed sales pitch to get me to keep the card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-06
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX, 2017 XXXX XXXX XXXX, Texas XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on all 3 credit files that is inaccurate. The account in question is listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify theaccuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item is removed for all 3 credit bureaus, I demand the following account be properly verified or removed immediately. Name of Account : Account Number : Provide Physical Proof of Verification : Conns Credit Corp XXXX Unverified Account * NOTE : Please also remove all non-account holding inquiries over 30 days old. Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit report is showing I owe XXXX plus and it should be XXXX. Also being charged back end fees after I went through the COVID forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
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: Information belongs to someone else

Complaint:
EXPERIAN HAS SOME INFORMATION ON MY CREDIT REPORT THAT IS NOT MINE, DOES NOT BELONG TO ME AND IS INACCURATE. 
EXPERIAN IN IN VIOLATION OF THE ( F.C.R.A ) ( HIPPA ) AND ( FTC ) I DID NOT GIVE EXPERIAN CONSENT TO REPORT THESE INACCURATE ITEM ON MY CREDIT REPORT. 
EXPERIAN DID NOT CONTACT ME FOR VALIDATION OR TO CONFIRM ACCURACY OF THESE ITEMS. 

THE FOLLOWING ITEMS ARE INACCURATE AND NOT MINE : NAMES : XXXX XXXX XXXX-NOT MINE SOCIAL : XXXX-NOT MINE. 

ADDRESSES : FL, XXXX XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, FM XXXX-Never lived there XXXX XXXX XXXX XXXX, FL XXXX-XXXX-Never lived there XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, FL XXXX -- Never lived there ACCOUNT THAT ARE NOT MINE : XXXX XXXX  -- NOT MINE XXXX-XXXX XXXX XXXX -- NOT MINE XXXX XXXX/XXXX XXXX -- NOT MINE XXXX-XXXX XXXX XXXX -- NOT MINE XXXX-XXXX XXXX XXXX -- NOT MINE XXXX-XXXX XXXX XXXX -- NOT MINE XXXX-XXXX XXXX XXXX -- NOT MINE INQUIRIES : XXXX XXXX XXXX -- NOT MINE XXXX XXXX  XXXX  -- NOT MINE XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-07
Company: COLLECTION SERVICES OF ATHENS, 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:
The Company Collection Services of Athens GA has an account on my credit report that doesn't belong to me. I have disputed it. It was removed and then it looks like it was reported again. This account does not belong to me and it needs to be blocked. I have provided police reports and more. I need this removed asap. Also, any information provided is not to be used to try to collect an erroneous debt from me. Do not send me anything in the mail or call my telephone number as this debt is not mine. Please remove asap. Thank you.

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 2020-09-03
Company: Experian Information Solutions 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:
It is my understanding that child support is a Judgement handed down from the courts, so i'm trying to figure out why it's being reported on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was behind on my mortgage payments, and in XX/XX/2022 was sendind documents like income taxes to the mortgage company to apply for a loan modification & in XX/XX/XXXX I sufferred XXXX XXXX & get in XXXX XXXXXXXX here in XXXX XXXX, Texas, been in hospital since that date & the mortgage company set up my property for a foreclosure on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.

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 2018-07-15
Company: Bristlecone, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
on or around XX/XX/2017 I started receiving notices from this company XXXX XXXX stating that I had purchased a dog from them for over XXXX dollars at that time I became furious because i had not applied for credit and i have a fraud alert added to my report so before credit was issued they were to contact me. I requested paperwork from the company in regards to the dog all they could provide was a pre printed contract without my signature, I also filed identity theft in regards to this. This company has been very nasty to me and not providing much help. They have been contacted several times by my attorney in reference to this. I was also advised to file and XXXX complaint for crimes that take place over the internet.

Company response to consumer: Untimely response
Consumer complaint received 2019-06-07
Company: DISCOVER BANK
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: Account status incorrect

Complaint:
I've never been late on my discover credit card i've talk several times and was informed Ive never been late but the problem has not been fixed this is hindering me from getting my home.

Company response to consumer: Closed with explanation