BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-21
Company: Bread Financial Holdings, 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: Account status incorrect

Complaint:
This complaint is to address the misinformation on my credit report regarding my account with XXXX XXXX XXXXComenity Bank which states my account is in derogatory status when that is incorrect. 

I entered a payment agreement with XXXX XXXXComenity Bank when they sent my account to collections with XXXX XXXX XXXX XXXX XXXX ) to settle the account for {$820.00}. The payments were made in the following installments : {$100.00} on XX/XX/XXXX, {$180.00} on XX/XX/XXXX, {$180.00} on XX/XX/XXXX, {$180.00} on XX/XX/XXXX, and {$180.00} on XX/XX/XXXX. The original account number is XXXX. 

I called XXXX XXXX XXXX at XXXX on XX/XX/XXXX at XXXX PST to confront this account and confirm that this account would be placed in PAID status and not derogatory, and this was confirmed by the sales rep on the phone named XXXX XXXX XXXX It is XX/XX/XXXX, and this account is still wrongfully marked as derogatory on my credit report despite me abiding to the agreed upon payment arrangement. 

The company 's response to my prior complaint is that they do not have an arrangement on file when I have recorded the specifics of our arrangement and made notes ( please see above explanation ) and I can also provide proof of payment via my bank transactions on those dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: Experian Information Solutions 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:
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 non-monetary relief
Consumer complaint received 2021-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I am a victim of identity theft.. someone has a credit card in my name... Someone received an auto loan under my name .. they tried to open a bank account.. I have a XXXX XXXX in New Jersey and I have never been there

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 2021-09-06
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Requested validation from debt collector and was not provided a response within the allotted time.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Coin base Closure Email- https : XXXX Closing too many accounts error-https : XXXX Unable to send BTC error- https : XXXX XXXX have used Coinbase for a few years now. About 7months ago, i made a transaction of over XXXX from an external wallet into coinbase. BAD IDEA!! After a few days going by i then checked the funds and tried to send a portion elsewhere. OH NO! It said sending and selling was XXXX ....!! I thought, maybe its a little issue, and coinbase would sort the issue. There was NO phone number to ring, support is useless. I waited 7days+ everytime for a response from a bot saying case closed. XXXX XXXX!! 7months down the line and me constantly putting in tickets, they decide to close my coinbase account.. No idea why, But they have closed it. I got another email stating to follow the instructions ; log in and withdraw to an external wallet. ( account has to be XXXX before closure ). I put in another wallet ID, do my authenticator.. and it says again, sending XXXX?! i keep trying and then it says " You are closing too many accounts, please try again later. " There is no hope with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: MoneyLion Inc.
State: LA
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:
MONEYLION- Account Was Opened ( XX/XX/2020 XXXX And Was Closed ( XX/XX/2020 XXXX Loan Amount {$1000.00} Amount paid back By ( XX/XX/2020 XXXX {$1600.00} Credit Report says MONEYLION- Account opened ( XX/XX/2020 XXXX and still open. 
Balance {$1100.00} Highest Balance {$1000.00} Monthly payment Amount {$3000.00} Term 12 Months. 

This Is Absolutely Incorrect, there isn't a loan company in the entire world that would require 12 months of {$3000.00} per Monthly payment on a loan of {$1000.00} dollars. If This Were A true statement that would be {$36000.00} dollars After 12 months of payments for a {$1000.00} dollar loan. 
Its Impossible For That To Be Correct And It Is An Error And Incorrect. 
My Credit score was Affected So Badly From This Incorrect Error And My credit score Has Dropped Due To This Issue. 
My MONEYLION loan Was Paid Back In 10 days And It Wasn't A 12 Month term it was a payday loan. After Paying back The Loan When I Received My Pay-Check My Account Was Closed And All Was Paid And In good standing. 

Now After My credit score dropped XXXX points from the Error. If The Report Was Real That Would have made the {$1000.00} dollar loan have an interest of 3,900 % interest on {$1000.00} dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: EQUIFAX, INC.
State: MD
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : {$2800.00} XXXX XXXX XXXX XXXX : {$2800.00} XX/XX/XXXXOriginal Creditor : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$960.00} XXXXXX/XX/XXXXXXXX XXXX : {$2800.00} XX/XX/XXXX ( Original Creditor : XXXXXX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: BOEING EMPLOYEES CREDIT UNION
State: RI
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 applied and was approved for membership with BECU in XXXX. This was my tenth time applying ( my   partner has an Acct and we wanted to make them joint ) - and after sending in all the required documents and funding the account from my XXXX XXXX checking my checking and savings accounts were opened. 

I decided to apply for a credit card and was approved. However when the credit card came I could not activate it. After NUMEROUS calls to BECU I was informed that I didnt pass their fraud screening test and that all my accounts were closed and to throw away the credit and debit cards. ( Mind you they hard pulled my credit report and XXXX AND my debit card still works - but supposedly Im not a member ). 

The problem now is that they are reporting this credit card to all the credit bureaus as an open active account when in fact they claim this was never opened. 

I would like them to at least remove this account from my reports as it is fraud in their eyes anyways. Of course in their responses they never mention the credit card because they know it is still reporting but how could that be?!?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Re : Account Number To whom it may concern : I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records i am unable to find any documentations of any contractual relationship between name of company and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim against me. In the event you continue your collection without any proof of contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract you must cease and dismissed any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney without providing proof of contract, he will be immediately reported to the state bar association and professional liability found for code of ethics violations. I have attached a letter in the file section along with photos of the inaccurate accounts that you have been reporting for many years and up to date. I will be following up within the next couple days to week to solve this matter immediately. 

Sincerely 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 2023-10-19
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was a victim of theft. I filed police reports and contacted chime. I sent paperwork showing that I filed charges and even paperwork showing I was in a rehabilitation center and couldn't have possibly used the funds. I even sent letters to cancel my account which was ignored during my rehabilitation stay. I asked what we could do to get my money back. Chime continued to deny and close my case. 
I wasn't given explanation or what I could or should do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On receview of my credit report, I noticed unfamiliar companies requesting copies of my credit report. 
These companies are : XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX/ XXXX XXXX XX/XX/XXXX Equifax Mortgage   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian is reporting incorrectly a charge-off in the amount of {$7700.00} on the XXXX XXXX XXXX account number XXXX. ( Please see page 5 attached from my credit report. ) This vehicle was in a car accident and was deemed a XXXX XXXX and the insurance company XXXX XXXX   the remaining balance due and therefore there is no outstanding balance to report and/or charge off. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this, however I have not been successful.

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 2022-02-04
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:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of a new loan transaction and this error is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. Please delete this fraudulent account from my credit report. I am submitting this dispute for myself and not anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Affirm Holdings, Inc
State: NC
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'm XXXX XXXX, and I need your help getting in touch with this company. To find out who had created an account in my name and why, I made an effort to get in touch with them. I regret that my credit score is now being affected by this serious problem. Since it also breaches data privacy, I don't let anybody to use my name, birthday, or any other information. Instead of me, they need to find the person who established the account in my name and provide them the information. Please help me in fixing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: Lending Club Corp
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I took a personal loan in the amount of {$15.00}, XXXX from the Lending Club in XX/XX/2020. Sometime towards the end of XX/XX/2020, I called a Customer Service agent of the company to obtain a pay off demand good through to XX/XX/2020 to be emailed to me. By XX/XX/2020, I had not received my requested pay off so I called the Customer Service agent again and requested to pay off my loan as of that date. I was quoted {$15.00}, XXXX if I was to pay my loan off by ACH. I agreed and authorized an ACH withdrawal in the amount of {$15.00}, XXXX from my checking account. 
After that date, I did not receive any correspondence to verify that my loan is paid off. In XX/XX/2020, I began to receive correspondence that I've have missed payment for XX/XX/2020. I called the customer service and was told that there has been a mix up and that I should disregard the letter. At that time, I requested a satisfaction letter but to no avail. In XXXX, I again, received a default notice letter and called again and was told that my matter is being escalated to upper management because I was quoted a wrong pay off on the date I paid of my loan which was not my fault. 
At the time of writing this letter, I am still receiving default letter and a derogatory information has been reported to the credit repositories.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
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:
This is my 5th time disputing inaccuracies in my credit report and hope this time something is done about it. See letters attached

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 2018-04-07
Company: ClearOne Advantage, LLC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I enrolled in a debit settlement program with Clear One Advantage / XXXX XXXX XXXX. When agreeing to the program, they could settle two accounts for me for a monthly payment of {$580.00}. That was it. They do all the work. Sounds good to me, so I proceeded. After several months of monthly withdraws from my bank account, Clear One Advantage contacts me and said they a settlement on one of my accounts. In order to get the settlement I need to pay an additional {$310.00} a month for two years growing my monthly payment to {$900.00}. Definitely not what I signed up for but they are sure good at talking you into it. I then received an email from a settlement agent. I expressed my concerns of the added monthly payment and she state you do not need to pay that added monthly amount. I reiterated 5 times via email and said if I have to pay that extra amount I don't agree. She said you are good, no added money needed. 20 days later she calls and said I made a mistake. You do need to make that extra monthly payment. I said I don't agree and am not paying it. XX/XX/XXXX, there was the extra {$310.00} pulled from my bank. I emailed my displeasure, and asked to withdraw from the program and multiple requests of a full refund. They respond with I am owed {$10.00}. I paid thousands.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-21
Company: Grain Technology, Inc.
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Ive been trying to reach them for over 2 months, they have no customer service number and 10 emails have gone unanswered. I cant login to change my bank account for payments so late fees keep piling up and the balance keeps growing plus interest. Im tired of being ignored, Im trying to rebuild by credit and they dont care.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result 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 non-monetary relief
Consumer complaint received 2017-12-18
Company: EQUIFAX, 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:
Re : Account Number To whom it may concern : I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records i am unable to find any documentations of any contractual relationship between name of company and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim against me. In the event you continue your collection without any proof of contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract you must cease and dismissed any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney without providing proof of contract, he will be immediately reported to the state bar association and professional liability found for code of ethics violations. I have attached a letter in the file section along with photos of the inaccurate accounts that you have been reporting for many years and up to date. I will be following up within the next couple days to week to solve this matter immediately. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation