BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-22
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: Old information reappears or never goes away

Complaint:
I called TransUnion I was victim of there Inquiry Issue and customer service would not take care of it. 

XXXXXXXX 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 explanation
Consumer complaint received 2018-09-22
Company: LCO Financial Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I was approved for a {$400.00} installment loan on or about XX/XX/18. The money was transferred to my bank and received on XX/XX/18. 

I have made XXXX payments of {$100.00} towards the loan, totaling {$760.00}. The last payment made on XX/XX/18. 

On XX/XX/18, I called for the pay-off amount and the supervisor I spoke with stated I owe {$360.00} ish dollars. 

On XX/XX/18, I logged into the website, my account balance is {$360.00} and is considered " past due. '' Based on the verbal conversation on XX/XX/18, the supervisor revoked ach authorization and placed the account in collections status. 

I have never received documents in the mail and/or email from this company, just the {$400.00} debit to my account. 

They operate using unfair and deceptive or abusive acts and practices. Ridiculous interest. Please conduct a review.

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 2023-02-22
Company: GOLDMAN SACHS BANK USA
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Marcus by Goldman Sachs froze my account in XXXX, and after I spend hours on the phone while they verified my other accounts and identity, they then closed my account on the XXXX of XXXX. I was told during that phone call that they would be sending all of my money back to me. Almost a month later, I have received not a XXXX. I owe them absolutely nothing. I would like my money returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: Bread Financial Holdings, Inc.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Keeps calling asking for someone whom I have never heard of. I have asked multiple times to stop calling and told them repeatedly they have the wrong number. Last call XX/XX/19 at XXXX XXXX  central time. This is 2 times today I have spoken to them. The are calling to collect payment from a XXXX XXXX   whom Im not associated with in the amount of XXXX. The system keeps " glitching '' when I ask to be removed from the call list.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-22
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I responded to a XXXX ad to buy 3 XXXX concert tickets on XX/XX/22, the day of the concert. After some text message correspondence the seller and I agreed on 3 tickets for {$320.00}. I agreed to make the payment via XXXX and to receive the tickets through our XXXX account. The seller called me to walk me through transferring the money from my XXXX account to his, he seemed pleasant and helpful. He was on the phone with me until I confirmed the funds were transferred and he had me email him a screen shot that the transaction was completed. The minute he got the email confirmation from me he hung up and ignored my calls and emails. I called him from a different phone number and he answered but hung up as soon as I told him who I was. I called XXXX XXXX within 5 minutes of making the payment and they advised there was nothing they could do. I then called the local sheriff and they sent an officer to take my report. The officer said there was nothing they could do. I cant believe XXXX XXXX would allow this type of service to be used through their banking sites. XXXX has no protection for consumers and makes it easy for scammers to take advantage. I trusted my bank and I feel violated because XXXX XXXX offered the XXXX service directly from their app.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
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: Account status incorrect

Complaint:
The credit bureaus show late payments on my credit report from several creditors between the dates of XX/XX/XXXX and XX/XX/XXXX. I was serving on XXXX XXXX at that time, yet no matter who I contact ( at the credit reporting agency or the creditor ) none of these organizations have respected my rights under the SCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I joined Coinbase in XX/XX/XXXX. Things were going fine until my Coinbase accout XXXX was hacked. I had coinbase place a freeze on that account immediately butbthe hackers had already stolen my funds. I also had a second account XXXX which I believed may have also been hacked. I found out two days later that was not the case and to please reopen my XXXXXXXX XXXX XXXX account for trading and transferring my fund into my attached bank accounts. As I stated the theft took place in XX/XX/XXXX. By the middle of XXXX I still had heard no response to my requests to open. Finally at the end of XXXX I was told that I was able to use my XXXXXXXX XXXX XXXX account. All was well until I received a notification of suspicious activity in my account and my account was again unable to place buys or deposits. I was told this should take 24/48 hours to investigate and return my account. Once again I was placed on a cycle on neverending unanswered emails until I finally got so frustrated I typed a letter to the privacy/disputes department. I received an email from XXXX who had gone through all my documents and agreed this had gone on long enough and he was personally going to make sure my account was escalated to the proper authorities for an explanation of what was going on in my account. Finally on XX/XX/XXXX I received an email from Coinbase support that they had reviewed my account and were reinstating it. I made two {$50.00} transactions of bitcoin and ethereum, paid for them with my XXXX debit card and everything seemed fine. The next day I attempted to make another small trade and my account once again had been closed to buys or deposits. When I emailed for an explanation I was told my account was not eligible for a review at this time and Coinbase could provide me with no further explanations. I sent a second letter to the privacy/disputes department on XXXX XXXX and have had no response to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: CURO Intermediate Holdings
State: PA
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:
Went onto XXXX XXXX and noticed an account that was not mine and addresses that don't belong to me. I have tried to dispute this numerous times because it is not my debt to collect. This collector started from speedy cash and as you can see I live in Pennsylvania and speedy cash is not offered in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony bank appears to have close all of my credit lines for no apparent reason. XXXX on my last count this probably tanking my credit score in the near future. I pay all of my bills on time and always will. But one thing I will never do is get a line of credit through them and will let my family know.

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 2021-07-06
Company: COMMERCE BANK
State: NJ
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've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Hello, I submitted a written request by mail for Experieran, XXXX, and XXXX credit Bureaus to send me copies of the documents that the company has used to verify the accuracy of the account as a public record. I have been dealing with XXXX, XXXX, and Experieran over a year, and they have not looked into my credit report. I have sent muiltiple verification and follow up letters, and it comes back verified that the three credit Bureaus have not sent in any verifying documents to show where the information is involving the Bankruptcy. I received a letter back from Experian on XX/XX/18 stating that they previously processed the dispute, and verified its accuracy without sending me any verifying documents back. On my first follow up letter I sent off to Experieran, I stated " Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature '' " Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report '' As I've stated above, the Experian credit Bureau did not provide me with any verifying documentations.

My credit is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error on all three reporting Credit Bureaus, XXXX, Experian, and XXXX. Thanks so much for looking into this important matter.

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 2021-09-02
Company: EQUIFAX, INC.
State: NJ
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:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - truth and lending act. as well as some inaccurate information from my credit report. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
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:
My XXXX lease is reporting inaccurate late payments for XXXX and XX/XX/2019 to all the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 disputed inaccurate information that's on my credit report my XXXX XXXX XXXX opening date says XX/XX/XXXX on my TransUnion and XX/XX/XXXX how can my information be verified and it's reporting two different information my payment history on TransUnion and XXXX is not accurate with each other and it's not all listed date last active on TransUnion is XX/XX/XXXX and XXXX it's XX/XX/XXXX violation of the fcra needs to be removed immediately My XXXX XXXX XXXX has inaccurate information date open for TransUnion is XX/XX/XXXX date for XXXX is XX/XX/XXXX Last active for TransUnion is XX/XX/XXXX XXXX is XX/XX/XXXX there's no payment history in TransUnion how can it be verifed from XXXX  XXXX showing different information needs to be deleted immediately violation of the fcra Both TransUnion and XXXX stated that everything was accurate and verified how can I be accurate and verified when they are reporting two different things

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 2018-02-16
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX ( XXXX XXXX XXXX Credit Card ). On XX/XX/XXXX, I paid credit card off in full. Credit card company charged me {$1.00} the following month. I did not get statements b/c I am paperless. Needless to say, I paid the balance off in XX/XX/XXXX and in XX/XX/XXXX, I never thought I would get a {$1.00} charge which then turned into {$67.00} in XX/XX/XXXX, due to being charged {$1.00} per month then incurring a late fee each month I did not pay the {$1.00}. When I called the CSR was not helpful, she claimed they have a rolling fee, and I told her I was not familiar with that term. She then transferred me and I was left on hold for 23 minutes. I have several credit cards and when paid off in full, the balance is zero until I use the card again. I am still not sure what the {$1.00} fee is for and I had to pay the {$67.00} and most likely my credit has been impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My husband paid the total amount for the services on the day of my XXXX. We never agreed nor expected more bills to show up in the mail box.

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 2018-09-22
Company: DISCOVER BANK
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 information incorrect

Complaint:
After going thru hardship due to identity theft and deceptive practices as reported to the Federal Trade Commission and my local police attached. I contacted Discover bank to pay my standing debt off as good faith. I've spoke to a representative regarding payment in return for deletion of negative rating on the 3 credit reporting bureaus. which was agree so on XX/XX/XXXX i paid full balance owed. however i undergone Double Enrichment because as stated by Discover Bank on my account I've made payment after charge off / collection settled. also discover has failed to report accurate balance i ask for verification of all bills, a physical signed agreement contract baring my signature and proof of my photo I.D . although in good faith to clear my name and credit reputation the bill has been in fact paid in full by me all I've asked Discover financial is to deleted this negative mark from my credit as agreed when payment was given. even after I've tried multiple time to write good will letter explaining my hardship due to identity theft yet nothing has been resolved. I was told by the Federal Trade Commission to submit proof to all potential affected creditors a copy as proof i was in fact a victim of Identity Theft and Deceptive practices. i think that its unfair that Discover Financial can hold a honest XXXX, XXXX Veteran, Father, citizen and Consumer back from achieving good credit rating to purchase a home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have a capital one account, I have received a deposit for selling my car over 5 months ago and bank hold my funds said, if there is no charge back they will close my account and send my money, I still didnt receive my check neither they closed my account. I talked to them and they told me in 3 months we will send it but nobody sends anything everytime I call they ignore it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10
Company: Financial Data Systems
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My complaint is against Financial Data System. They keep reappearing on my Credit report and I do not owe any hospital bills. I have been XXXX since XX/2017 and also receive XXXX. I have never received validation of any debt and nothing that was signed off from original creditor. I do n't know if this was billed incorrectly, but I have XXXX and all my bills are covered. This company find a way to keep popping up on my credit report after being removed several times which is illegal. Once a collection has been removed off your credit report it is illegal for all credit bureau to allow them to be put back on. XXXX cover all my doctor visits, lab and any other test. I do not owe this bill it needs to be sent to 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 2019-11-26
Company: SYNCHRONY FINANCIAL
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 status incorrect

Complaint:
I have an approved fraud claim from Synchrony Credit dated XX/XX/2019. This account was originally a Paypal Credit account but after they merged with synchrony and transferred all the data on accounts on XX/XX/2019 they claim to have lost my approved fraud claim and started negatively reporting the account as delinquent in XX/XX/2019. The account has an approved fraud claim and an approved paypal buyer protection claim, both claims have the end result of me not being liable for the purchase. Ive tried to contact paypal/synchrony and they refuse to fix the information. The paypal buyer protection claim was approved on XX/XX/2019 and this information was given to me by an employee named XXXX with employee ID # XXXX on my XX/XX/XXXX phone call with synchrony bank.

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 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
This inquiry on my credit isn't valid- inquiry is was made XX/XX/2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Okay, over the past several months I have been corresponding with " XXXX Credit Reporting Bureau '', Trying to get them to delete a Bankruptcy charge off my report.

This company is a Third Party that sell information to other credit reporting Bureau which is against the law. I have copies of all three different Credit reporting agency Last credit reports. One XXXX Reporting Act shows a correction vs the other two.

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