BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-16
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX is improperly and impermissibly reporting an account to the Equifax, XXXX  and XXXX  consumer as a " paid repossession '' when this is not the case. Moreover, the account has been reported twice to each of the agencies and has an inaccurate payment history - some with delinquencies reporting as late as XXXX, 2020. Complaints to the creditor and the credit reporting agencies have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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  IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 4th ATTEMPT WRITING XXXX  ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

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 2020-05-24
Company: Exeter Finance Corp.
State: LA
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 have filed a dispute in regards with the incorrect items on my credit report. Its been well over 30 days & i haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I generated credit report by XXXX on XX/XX/XXXX and was surprised to see XXXX XXXX/Synchrony account/ XXXX XXXX XXXX and the charge. 
Detailed scenario is as follows '' I had visited XXXX XXXX XXXX, XXXX XXXX, CT on XX/XX/XXXX and purchased few items. On payment counter, I submitted my personal information along with my social security number to apply for XXXX XXXX   credit card. As per the executive at the payment counter, my credit card application could not be processed. Hence I had to swipe Discover credit card which I had that time. 

Apparently XXXX XXXX charged me {$37.00} to XXXX XXXX credit card instead of Discover credit card. When I tried to check my discover purchase history, I was unable to find the XXXX XXXX transaction. Also verified with Discover customer care that the transaction was not completed and hence can not be located. 

I am not agreeing to the disputed charges as the XXXX XXXX XXXX have not issued me any card till date. Also, I have never received any kind of communication. Not an email, letter notification or even a phone call, for the pending charges neither from XXXX XXXX nor from XXXX. 

I have approached myself to XXXX XXXX, XXXX XXXX  & then XXXX for clearing this pending amount appearing on credit report where I raised a dispute with XXXX. 

I received a letter from XXXX on XX/XX/XXXX stating " We have already responded to previous dispute same as the present dispute and the matter is closed from our side ''. I have attached all the communications from XXXX till date where they are not giving me proper response for the queries I raised. 

Could you please investigate this issue and help me to resolve this without penalty charges as this issue happened due to carelessness of XXXX XXXXXXXX XXXX. 

Appreciate your help, 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 non-monetary relief
Consumer complaint received 2017-08-05
Company: DISCOVER BANK
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
The company charges a {$39.00} late fee. My monthly payment before the late fee is {$170.00}. When they add the late fee, on their website my account shows a minimum payment due of {$210.00}. I was late making my XX/XX/XXXX payment. I made a payment of {$210.00} on XXXX XXXX, 2017. I was late making my XX/XX/XXXX payment. I made a payment of {$210.00} on XXXX XXXX, 2017. My account now shows a balance due of {$78.00} for XX/XX/XXXX. I called the company today XX/XX/XXXX and was told that they do n't apply my payment to the late fee until after my next payment is made. Well that is not acceptable and apparently not true. If that were the case, they would have applied my {$39.00} payment for the late fee charged in XX/XX/XXXX when they posted my payment for XX/XX/XXXX. This is not the first time I 've had billing issues with this company and I 'm sick of it. If I make my payments per my loan agreement and pay my late charges, my account should be brought current.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-11
Company: Seterus, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My house and everything i owned was lost due to hurricane Sandy. 
I am in the process of rebuilding my home and i have had to rent a place while my home gets rebuilt. 
I qualified and recieved a Certification of Eligibility Sandy-Impacted Forbearance Certification and presented this along with documented evidance that my home was being rebuilt and was denied by Seterus my mortgage provider. I am ccurrently renting another place while i rebuild and would like to have this forebearance honored by my mortgage provide Seterus which will help enable me to complete the rebuilding of my home while renting a place to live. 
any advise or assistance would be greatly appreciated. 
Please advise. 
XXXX XXXX cell - XXXX XXXX XXXX. 
Thanks in advance. 
Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 4th ATTEMPT WRITING XXXX  ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

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 2018-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America decided to closed my account and they said at their discretion they had the authority to do so. When I applied to re-open an account today, they denied me and I called and told me the absolute same thing. I think it has something to do with race. I had an incident at a Bank of America location on XXXX XXXX XXXX XXXX, IL. against an employee who wouldn't cash my working check due to the fact that they made out my check as XXXX  instead of XXXX. Any of bank of America I went to, they never refused to cash my check. I notified the bank of America customer service department but did not get a response. This employee was unprofessional and always discriminated against me by saying " you again '', " I told you that you need to go elsewhere '' etc. This location does not like XXXX  people like myself.

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 2018-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 2019-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.

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 2021-02-08
Company: EQUIFAX, INC.
State: MD
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 believe the year was XXXX XXXX XXXX accounts have been reported as fraud and they refuse to take them off. 

XXXX XXXX has butchered my score by at least 80 points over the past 3 years by reporting me as 30 and 60 days late in XXXX. 
The credit reporting agencies refuse to remove it. I have proof of payment directly from my account to credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX a collector for original creditor XXXX has recently updated/verified a collection account, account no. XXXX and done so wrongfully.The inaccurate negative information is appearing on XXXX, experian and XXXX credit bureaus. 
When I originally received the service and phone I was satisfied.Shortly thereafter the screen broke so I contacted XXXX and XXXX replaced the phone with a refurbished phone for XXXX dollars.The refurbished phone worked for awhile but there was a problem with the charging port.I struggled with the phone for about a month until the phone was dead and wouldnt take a charge.I didnt want to pay another XXXX dollars to trade this phone and risk getting another defective one so I abandoned the acct and moved to another carrier.I was being billed heavily as I had added my girlfiend to this account which did not function properly due to the two defective phones.The phone service was only good in the beginning and the service deteriorated with the defects on the original phone and replaced phone.The carrier XXXX could not provide good adequate service due to defective phones and the charges to me are unfair and wrongful due to the poor service received.

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 2018-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Transunion Rep XXXX refuse to assist, I have been a victim of their Inquiry issue with the following inquires they are reporting the following inquiries I requested proof such as a signed document baring my signature she refused. Inquiries are as follows check into c DATE XX/XX/XXXX XXXX DATE XX/XX/XXXX XXXX DATE XX/XX/XXXX XXXX   XXXX DATE XX/XX/XXXX XXXX XXXX DATE XX/XX/XXXX XXXX XXXX DATE XX/XX/XXXX INFORMATIVE DATE XX/XX/XXXX XX/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 2021-02-08
Company: EQUIFAX, INC.
State: SC
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 XXXX XXXX am a victim of identity theft and fraud. XXXX  IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING XXXX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 XXXX XXXX am a victim of identity theft and fraud. XXXX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING XXXX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

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 2021-02-08
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: Chime Financial Inc
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
$ ends up missing from account. I live broke off of my mother. It's what she send me. I used to have more XXXX The money I had/have disappears from my accounts. I constantly have password issues. I'm convinced that my electronics are hacked however apart of this process is hacking into web platforms, i.e. Chime Bank. Just the other day I logged into Chime and got two different platforms. I look at my account statements and they never reveal where my money has gone. I write emails and send chat messages the money is never recovered and my account statements never show money going in or out of the account and points with higher balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: National Credit Systems,Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX  and XXXX XXXX XXXX  for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: Experian Information Solutions Inc.
State: NV
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  XXXX XXXX XXXX  XXXX XXXX bankruptcy XXXX all ftc violations needs to be removed

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 2018-02-20
Company: Experian Information Solutions Inc.
State: NM
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, Experian and XXXX XXXX are ignoring my requests to investigate, verify and remove accounts from my credit report that do not belong 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 2021-02-08
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I submitted case # XXXX to CoinBase during the week of XX/XX/XXXX due to my funds being locked into a digital vault that I can not access due to a secondary authentication email that I did not provide to XXXX and can not change. 

I have received no response from the company. 

The image with the XXXX address is not my email and Coinbase has failed to help me resolve this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-08
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: Account information incorrect

Complaint:
i have tried many times times to correct these issues with Transunion and XXXX many times, i have sent them letters on XX/XX/2021 to dispute this inaccurate information that they are reporting on my credit report and i have not heard from them concerning this matter.I will send this information to my attorney if not responded.i have attached copies of the letter below

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