BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-01
Company: EQUIFAX, INC.
State: IL
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 purchased a ring back in XXXX of XXXX as a gift for my wife. The ring was a special order AND XXXX had a special, 0 % financing so I figured Id use that with an existing XXXX XXXX XXXX card that I had from when I got engaged. When I gave the saleswoman my information at the XXXX store she was able to pull my credit card that way and issue a payment that way ( I had my old card destroyed so this was the best way to get 0 % and not have to open another card ). She updated my information on file to make sure the statements went to the right address and I was in my way. 

When I purchased the ring it had to be made so I wasnt able to get the the ring until mid-XXXX of XXXX so I figured that would be why I didnt receive a statement from the company. However, after a month of not getting anything I decided to check in and noticed on XXXX XXXX that this was flagged as delinquent and resulted in a negative mark on my credit ; this dropped my score nearly 80 points. 

After 4 hours between departments today ( XX/XX/XXXX ) it turns out that XXXX XXXX has been sending my statements to the incorrect address for months and decided to never get in contact with me. It went on to the point that the Post Office informed them that it was the incorrect address but still no effort was made to contact me so that I could pay and be in good standing. It took todays call for me to discover that, the multiple reps apologized and admitted that it was indeed the wrong address and they waived the late fees and took a payment over the phone. However, when I asked them to report the account as current and to get rid of the bad report To the Credit Bureaus they stated that they would not. I have paid my bill and updated my information but it took ME to call THEM to get the issue that was caused on their end to begin with to fix the billing error. Now my credit has been damaged tremendously and Im stuck waiting for them to send me paper statements showing the incorrect address so that I can file a dispute with XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: Midwest Recovery Systems
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: Old information reappears or never goes away

Complaint:
This company Midwest Recovery Systems keeps adding and deleting this account without contacting me or validation of this so called debt. I filed complaints about this company before with the CFPB and the inaccurate account was removed. The complaint numbers are XXXX & XXXX. This account was added in XXXX and disputed and was deleted in XXXX or XXXX of XXXX. I have NEVER done business with Midwest Recovery Systems. I dont have a signed contract nor any contract with Midwest Recovery Systems. I have a right to demand to see the contract between Midwest Recovery Systems and myself. Midwest Recovery Systems has listed this account multiple times with the credit bureaus. I want this INVALIDATED DEBT REMOVED FROM ALL CREDIT REPORTS. Midwest Recovery Systems is NOT LICENSED in the state of TENNESSEE. I would like this unfounded and unvalidated debt removed form my credit report. Per Tennessee Code TFDCPA 62-20-101 and 105 thru 127, Tenn Law emphatically states that " a collection service can not commence or conduct the business of collecting debts in TENNESSEE without being so licensed and bonded as well as maintaining a " location manager '' who in turn is required to be licensed and bonded. in the State of  Tennessee. UNLICENSED ACTIVITY IN THE STATE OF TENNESSEE POTENTIALLY SUBJECTS THE DEBT COLLECTOR TO CIVIL AND CRIMINAL PROSECUTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: EQUIFAX, INC.
State: IA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain  credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 purchased a ring back in XXXX of XXXX as a gift for my wife. The ring was a special order AND XXXX had a special, 0 % financing so I figured Id use that with an existing XXXX XXXX XXXX card that I had from when I got engaged. When I gave the saleswoman my information at the XXXX store she was able to pull my credit card that way and issue a payment that way ( I had my old card destroyed so this was the best way to get 0 % and not have to open another card ). She updated my information on file to make sure the statements went to the right address and I was in my way. 

When I purchased the ring it had to be made so I wasnt able to get the the ring until mid-XXXX of XXXX so I figured that would be why I didnt receive a statement from the company. However, after a month of not getting anything I decided to check in and noticed on XXXX XXXX that this was flagged as delinquent and resulted in a negative mark on my credit ; this dropped my score nearly 80 points. 

After 4 hours between departments today ( XX/XX/XXXX ) it turns out that XXXX XXXX has been sending my statements to the incorrect address for months and decided to never get in contact with me. It went on to the point that the Post Office informed them that it was the incorrect address but still no effort was made to contact me so that I could pay and be in good standing. It took todays call for me to discover that, the multiple reps apologized and admitted that it was indeed the wrong address and they waived the late fees and took a payment over the phone. However, when I asked them to report the account as current and to get rid of the bad report To the Credit Bureaus they stated that they would not. I have paid my bill and updated my information but it took ME to call THEM to get the issue that was caused on their end to begin with to fix the billing error. Now my credit has been damaged tremendously and Im stuck waiting for them to send me paper statements showing the incorrect address so that I can file a dispute with Transunion and 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 2017-10-02
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have made repeated efforts to speak to coinbase about the fact that they wo n't let me withdraw funds. I have been waiting nearly 3 months for a solution for this and they wo n't return any of my messages or emails. I have done everything that all their forums suggest, yet I still ca n't access my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My PNC account was placed on a hold on XXXX XXXX. I called and asked why and no one would answer me and told me to go to a branch. on XX/XX/XXXX I went to a branch of the bank and again no one could assist me with the problem or answer any questions. I then called PNC again on XX/XX/XXXX and could once again get no answers as to why there was a hold on my account and that it could take XXXX or more days to review. PNC is holding my money for ransom without giving me any help or reason for doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Experian Information Solutions Inc.
State: MN
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:
XXXX fixed error of bankruptcy on my credit. Sent me a letter that it was to be removed and stated it sent this information to experian to update. This was on XX/XX/2020. It is now XX/XX/XXXX and experian refused to remove. Stating that they confirmed with XXXX that it is to remain. This is incorrect because XXXX has already removed it from their reporting. Experian has received several letters from myself and XXXX and is also stating they never received the letters. Experian, XXXX XXXX, and XXXX are all over the fair guidelines.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 2023-03-15
Company: Southwest Credit Systems, L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On this date XXXX XXXX  southwest credit systems open a collection. 

{$1800.00} that I own I have never signed any written documents saying that I own this to the collector. 

They are violating my right of the FCRA as a consumer. 

I do not know who they are and I have not written consent from my end. 

Also, they not verified that I own this debit to this alleged company. 

Please have this removed from my all the three credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: Experian Information Solutions Inc.
State: TX
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 belongs to someone else

Complaint:
I sent you a letter on XX/XX/2020, asking for correction of my pervious address listed on my report. I already sent you a valid copy of my driver license and Social Security card as proof. So, you should have it on file. This is my second request for correction as this information. As this information on my report is hurting my financial situation, which is causing me pain and suffering. I will seek legal action if this matter is not corrected. Please see below. 

Please delete XXXX XXXX XXXX XXXX, XXXX, TX XXXX as this is a business of XXXX XXXX and not a personal address. Please see proof enclosed. 

Please delete XXXX XXXX XXXX, XXXX XXXX, La XXXX as this was never my home address. 

Please delete this address from my report. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau

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 2021-01-28
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
I used my American Express XXXX XXXX card to purchase a slide from a company called XXXX XXXX. The slide that was delivered to me was NOT the slide that I was discussing and approved a purchase for with the company representative. He did a bait and switch without my knowledge. American Express has not been able to resolve the issue. 

The company has acknowledged an issue and requested I pay hundreds of dollars in shipping and restocking fees to return a slide that was fraudulently switched on me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-06
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been going back and forth for the last couple of months with several departments and contacts at Synchrony Bank regarding retroactive interest they charged on a zero-interest financing I had for some purchased furniture. 

I received a letter dated XX/XX/XXXX, via the CFPB website concerning case XXXX. This case concerned Synchrony retroactively charging me 30 % interest back to my original purchase date in XX/XX/XXXX. I tried calling the contact number on that letter for many days and there was no answer, and the voicemail box was ( and still is, as of the date of this complaint ) full, as stated in the outgoing message. Instead, I wrote to Synchrony on XX/XX/XXXX explaining that I completed all my payments for my original purchase by the end of XX/XX/XXXX. The promotional period for my interest-free financing ended XX/XX/XXXX. Upon review of the first statement of my purchase in XX/XX/XXXX it specifically states in order not to incur deferred interest charges, I must pay off my Promotional Balance by the Promotional Expiration Date. These are all capitalized terms and thus are very important. No where in this statement or any subsequent statement does it indicate that any late fees ( which I did incur ) are part of the Promotional Balance. As I paid off that Promotional Balance by the Promotional Expiration Date, I would not owe any deferred interest. 

I sent copies of my statements from Synchrony where the above was clearly highlighted. The reply I received on XX/XX/XXXX stating, " ... .Any remaining balance and applicable fees have become part of your regular balance ". This is in direct conflict with the capitalized terms in their statements to me. In fact, they also stated, " ... If you have any questions about the promotional financing, please refer to the promotional summary on your prior statements ''. But that is EXACTLY what I did in my letter dated, XX/XX/XXXX AND I sent copies of those summaries as well highlighting the capitalized terms. It seems as if they have simply ignored my points and given me the same answer to pay up, which I do not agree with.

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 monetary relief
Consumer complaint received 2023-08-06
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
They told me I called for requesting a promotion I never did it. That's how they charge me two interest in the same bill They never wan na show me the recording. Because they supposed to do recording all the time, we talk to them.

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 2020-03-01
Company: Experian Information Solutions Inc.
State: TX
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:
XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX : XXXX To XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Sd XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported.

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. Lastly, Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. 

I have enclosed a snapshot of my credit report showing the reporting. XXXX  reporting high credit as XXXX, Experian reporting high credit as XXXX, and XXXX  reporting high credit as XXXX, you can not report different inaccurate information between credit agencies, delete per violation. Again,  XXXX  reporting credit limit as XXXX, Experian credit limit as XXXX, and XXXX  credit limit as XXXX, but each credit agencies is reporting a past due amount of XXXX, Per law, you can not report a past due balance on an derogatory account, per violation delete this account. In addition, XXXX   reporting last payment as XX/XX/XXXX, but the two-year payment history states current for the months of XX/XX/XXXX & XX/XX/XXXX, which is in violation delete this account. I have enclosed a snapshot of my credit report showing the reporting.

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 2019-09-26
Company: Law Offices of Robert A. Schuerger Co., LPA
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I have never heard of this company until XXXX XXXX yesterday when I received my first voicemail on my personal cell phone from them. Then voicemail said they were from a law office attempting to collect a debt. I can not take personal calls at work, so I decided I would call them when I got off work to see what they wanted. 
They called my place of employment ( where I have only been working for 3 days ) and informed myself colleagues they were trying to collect a debt from me. The caller asked me for my social security number and my date of birth. I told them I would not be giving that over the phone, and that it is not ok to be calling my place of employment and I demanded that they stop and I hung up the phone. 
They called back immediately after I hung up on them and demanded to speak with my boss, and my boss boss about this. That is absurd and I informed them that they would not be getting through to my boss and to stop these calls to my work number, and I hung up on them again. 
They called my work a third time, and spoke with another one of my colleagues asking for my SSN and DOB and asking for my boss phone number. My colleague of course did not give it to them and hung up. 
The caller then somehow found my boss number and left him a voicemail. 
The caller ALSO called my sister and informed her that he was trying to collect a debt and asked how I can be reached. 
All of this occurred within a 45 minute period, and I have never hear of this company until XXXX XXXX yesterday. 
They refuse to tell me what kind of debt they want to collect, or from whom, until I give them my ssn and dob, and they have repeatedly called my place of employment, advertising to colleagues that I have known for 3 days total that they are trying to collect debt from me, even after I demanded that they stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

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

XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} 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 an alleged identity theft, not later than 4 business days after the date of receipt.

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