BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-01
Company: Experian Information Solutions Inc.
State: SC
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 pulled and reviewed my credit report and found that several inquiries were added to my credit report with out my knowledge or consent. I have not purchased a vehicle or tried to obtain any type of credit in the last 3 years. Anything reporting during this time is incorrectly added to my credit report. There is also a bankruptcy added to my credit report falsely.

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 2019-04-05
Company: EQUIFAX, 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:
Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX - partial account number XXXX. ( Please see page 12 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The eye of Hurricane Harvey came through here on XXXX XXXX. U.S. Bank holds my mortgage and now also the insurance claim monies awarded by XXXX XXXX XXXX XXXX. U.S. Bank is refusing to release the money so I may continue restoring my house. At their instruction I have submitted endless piles of paper, including reconstruction contracts and even cancelled checks. Their intentions clearly are not honorable. Their representatives on the telephone refuse to disclose their names or transfer my call to a more knowledgeable person. This has now gone on for over three months and we are financially desperate. Matters are at a total impasse. In my opinion this continuing refusal to release funds constitutes theft. Twice I have been promised money if I will just take specified steps. Both times I complied, only to have more indefinite delay placed in my path. The creditability of U.S. Bank is at zero.

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 2019-04-05
Company: EQUIFAX, 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:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on XXXX XXXX XXXXXXXX - partial account number XXXX. ( Please see page 3 and 4 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have an account with CoinBase through which I own one bitcoin. I purchased the bitcoin several years ago for {$370.00}. I have kept the bitcoin in my vault ever since. 

I 've been trying for several months now to move my bitcoin from my vault to my wallet so I might be able to sell it. To move bitcoin from your vault to your wallet you must verify the transfer from two separate email addresses. The transfer verification is n't working for my second email address. I have emailed the support team about this several times - on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX andXX/XX/XXXX. 

I have received one response that was essentially useless and the Company appears to have done nothing to resolve my issue so that I might liquidate my bitcoin. If I were able to sell my bitcoin today ( XX/XX/XXXX ) I would sell XXXX of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
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:
There are several issues regarding the reporting on my credit file on all three of the Bureaus reports. These misreported items have made it impossible for my XXXX XXXX to get a loan to purchase a new building which we are in desperate need of. XXXX has also re-reported old information which affected my score in a very negative way and then it took months to have it removed after I had already paid an attorney to help me remove it the first time. I have no outstanding debt and always pay everything on time yet my credit score is below XXXX. 

In in XXXX of XXXX a charge-off from XXXX XXXX XXXX was reported. It shows as a derogatory mark, this is misreported. In fact The debt to my second mortgage was forgiven and I have documentation to prove that ( see attached ) In XXXX of XXXX a closed Mortgage account was reported. It states that the account was 120 past due. The account was closed with a XXXX balance because the home was sold, however the manner in which it was reported shows it as derogatory. The home was sold in a short sale and I have documentation that shows that I made all of my payments on time as directed by the bank, some payments were stopped during the sale. 

On XXXX XXXX I received an alert from XXXX that there was a change to my credit report. 
To my horror I saw that they had reported an old tax lien and it was back on my credit report. I had actually paid off the IRS and paid a lawyer to help me remove this item from my report it was removed successfully so when I saw that XXXX had put it back on I immediately contacted XXXX. I was not able to get anyone on the phone and disputed the error via the internet.

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 2018-04-02
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I received my annual free credit report from XXXX XXXX, Equifax, and XXXX credit monitoring / reporting service. After obtaining my free annual report. I discovered each credit reporting agency had reported my name incorrectly, address incorrectly, etc. 
I notified each individual reporting agency of the issue. I submitted a dispute on each item I wanted verified and or corrected. I receive my report by mail today from XXXX XXXX. XXXX XXXX never corrected any of the information I submitted a dispute about. 
As a result this will allow individuals with similar names to possibly use my identity. This company also has my address listed as an apartment. I notified them that my residence is not an apartment and I have never lived in an apartment yet, they continue to leave incorrect information on my credit report. I need this matter investigated and corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-07
Company: CITIBANK, N.A.
State: CO
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:
Hello, I submitted a complaint # XXXX. Citi bank just added the charge back onto my card. There was no explanation. I did not use this company or their services as you can see on my history. They almost doubled my charges 3 days before the move so I cancelled the move. 
I would greatly appreciate your assistance with this. 

Thank you, 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 2017-12-01
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: Account information incorrect

Complaint:
There are several issues regarding the reporting on my credit file on all three of the Bureaus reports. These misreported items have made it impossible for my XXXX XXXX to get a loan to purchase a new building which we are in desperate need of. XXXX has also re-reported old information which affected my score in a very negative way and then it took months to have it removed after I had already paid an attorney to help me remove it the first time. I have no outstanding debt and always pay everything on time yet my credit score is below XXXX. 

In in XXXX of XXXX a charge-off from XXXX XXXX XXXX was reported. It shows as a derogatory mark, this is misreported. In fact The debt to my second mortgage was forgiven and I have documentation to prove that ( see attached ) In XXXX of XXXX a closed Mortgage account was reported. It states that the account was 120 past due. The account was closed with a XXXX balance because the home was sold, however the manner in which it was reported shows it as derogatory. The home was sold in a short sale and I have documentation that shows that I made all of my payments on time as directed by the bank, some payments were stopped during the sale. 

On XXXX XXXX I received an alert from XXXX that there was a change to my credit report. 
To my horror I saw that they had reported an old tax lien and it was back on my credit report. I had actually paid off the IRS and paid a lawyer to help me remove this item from my report it was removed successfully so when I saw that XXXX had put it back on I immediately contacted XXXX. I was not able to get anyone on the phone and disputed the error via the internet.

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 2021-07-02
Company: Google Compare Credit Cards Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My granddaughter ( XXXX  ) downloaded a " free '' game ( heypets zro ) from XXXX XXXX  on XX/XX/2021. On XX/XX/2021 I was notified of a pending charge for {$210.00} on my checking account. I immediately notified XXXX  XXXX XXXX that this was not authorized and I didn't make this charge. They canceled my debit card & issued me a temporary refund and opened a claim. 

On XX/XX/XXXX I realized the pending charge was a subscription to heypets zro for the monthly fee of {$210.00}. I canceled the subscription and notified XXXX XXXX. 

On XX/XX/2021 I read an email from XXXX XXXX saying I didn't notify them within the 48hrs and my claim was denied. 

I emailed XXXX XXXX  back on the XXXX of XXXX saying I did notify them within the allotted time frame. I just didn't fill out the correct claim form. I also stated that as soon as I read the email saying I needed to fillout a different claim form I tried to do it immediately. It wouldn't allow me. I also got on XXXX XXXX chat to try and get it canceled with XXXX. He wasn't able to and had me escalate it. Sometime later My XXXX XXXX account showed it was refunded back to me. 

Fast forward to XXXX. My bank takes back their temporary credit saying I had a relationship with XXXX XXXX  so they denied the claim. XXXX XXXX  payment history shows that the {$210.00} is REFUNDED and tells me to contact B of A for my money. B of A says they never received the money. 

I engaged with XXXX chat ( XXXX ) again about not receiving my money. They say that B of A canceled the transaction and I need to contact them for my money several times. 

I have talked to B of A multiple times and they said XXXX received their money and never issued a refund. 

I have the chat from XXXX XXXX  saying the transaction was cancelled and B of A owes me money. I have my transaction history of all transactions for {$210.00} from B of A showing the withdrawal from XXXX and the temporary credit issued and then taken away. I have my XXXX XXXX  account showing a refund for {$210.00}. I also have the emails from XXXX XXXX  about the disputed transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: Kriya Capital, LLC
State: NY
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:
I received numerous phone calls from a number that kept hanging up, to both my home and my cell number. I finally got the person to speak. They are a collection agency, and had the wrong address, and wrong name, and were attempting to collect a debt, which was not mine. They assured me that they would not call again. I then received a notice from XXXX credit report that my credit score went from XXXX to XXXX, and that I had a collection against my account through Credence Resource Management. XXXX filed a Fraud alert and told me to contact the collection agency and the Federal Trade Commission. I did contact the collection agency, and they are sending fraud documents to me. They have an address in XXXX NY that is not mine. My ex-husband 's sister lives in XXXX NY and she has the same first name as I do. When I was married to her brother, we had the exact same name, but that was over 15 years ago. The collection agency stated that the person who they had the collection against used my social security number. I had an almost perfect credit score, and now it's ruined. I take care of my son who has XXXX XXXX. My life is very sad and very busy. This is the last thing I needed. I was told to file a report here as well. In the future, is there a company I can trust to pay for fraud protection? I now trust no one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-12
Company: EQUIFAX, INC.
State: WV
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:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: ERC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX just reported a {$120.00} collection account on my credit report. Prior to the appearance of this account on my file, I did not receive a notice of my right to dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Currently I am paying on a Barclaycard Mastercard that was closed by Barclaycard even though I made my monthly payments. I called and told Barclaycard that I would be late on monthly payments because COVID 19 cut my work hours. I still made the miminum payments they were just a day late I believe in XXXX and XXXX. I told Barclaycard over the phone my payments would be late and since I made my payments every month could the late fees be exused because I paid my monthly minimum payments on time as always. However Barclaycard raised my minimum payments and is reporting my account delinquent to three credit reporting agencies XXXX, XXXX, and XXXX. I want Barclaycard to stop reporting this closed account as delinquent to the three major credit reporting agencies. I have a stellar credit reporting history this delinquent account will tarnish my credit reports and payment credit history. I will still pay the minimum monthly payments that I was paying before Barclaycard recklessly raised the minimum payments starting in 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 2018-04-18
Company: SYNCHRONY FINANCIAL
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
SYNC Lowes has violated 15 USC 1692 by continuing collection activity after cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus

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 2020-12-14
Company: Experian Information Solutions Inc.
State: IL
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:
ve been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!

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 2019-04-05
Company: Security Credit Services, LLC
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i cosigned for my grand daughter years ago and this should not be on my report negatively she is actively paying on it and it is corrected and i was only a cosigner so therefore if her standing is good mine is as well this affecting my life drasticley im XXXX years old and on a fixed income this actually makes my bills higher that i can not afford

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Ive been cosistent with paying my bills on time. Im saying this because I went to XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didnt understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report. XXXX  XXXX {$3300.00} XXXX   XXXX {$2100.00} XXXX XXXX {$21000.00} XXXX XXXX {$310.00} XXXX  XXXX {$28000.00}

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 2018-03-23
Company: Experian Information Solutions Inc.
State: TX
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:
In XX/XX/XXXX ... there was an unauthorized hard inquiry placed on my credit. I am just now seeing it this year.After contacting XXXX XXXX ... the parent company this XX/XX/XXXX ... they've contacted the subsidiary in which ran my credit : XXXX XXXX. They did the research and found that there's no way I authorized my credit to be ran. They've sent the request to all credit bureaus to have the hard inquiry removed ... XXXX ... XXXX ... nor Experian have done such. The inquiry is STILL 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 non-monetary relief
Consumer complaint received 2019-04-05
Company: Braviant Holdings, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I live in Va and submitted a letter via email on XX/XX/XXXX withdrawing ACH authorizations on my Checking account. I call after XX/XX/XXXX and on XX/XX/XXXX to esatablish a payment plan. I was not aware payments would be deducted twice a month. XXXX XXXX would not work out a payment plan with smaller payments.

Company response to consumer: Closed with explanation