BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-24
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I have contacted XXXX XXXX four times on four separate dates to fix my credit reporting. I wasnpersonally discharged of the mortgage following my bankruptcy in XXXX all of a sudden, XXXX XXXX began reporting to my credit bureaus again this year, in XXXX and XXXX of XXXX. I am now being declined for a new mortgage because of their inability to properly handle their bankruptcy cases. the reporting needs to be removed immediately or I will file a suit, as I have already reached out to my lawyer.

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 2017-07-24
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: Public record information inaccurate

Complaint:
I have contacted XXXX XXXX four times on four separate dates to fix my credit reporting. I wasnpersonally discharged of the mortgage following my bankruptcy in XXXX all of a sudden, XXXX XXXX began reporting  to my credit bureaus again this year, in XXXX and XXXX of XXXX. I am now being declined for a new mortgage because of their inability to properly handle their bankruptcy cases. the reporting needs to be removed immediately or I will file a suit, as I have already reached out to my lawyer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have mailed Transunion a validation of debt letter and have not received a proper response of pursuant to 15 USC 1692g. I also sent Transunion a letter stating pursuant to 15 USC 1681b that I have given no such consent for Transunion to host the alleged debt on my Credit report.

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 2022-01-25
Company: BANKMOBILE TECHNOLOGIES, INC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am unable to access my account, withdraw funds or have access to 1099-INT paperwork since the bank will not mail it or send it otherwise. I have a XXXX XXXX account offered through XXXX XXXX  XXXX I have switched from XXXX to another mobile provider and my phone number, which I had used to log in, no longer allows me to log into my account. I have called support and they have not been able to help. I called on XXXX XXXX spoke with a CS rep as well as a supervisor. Neither could help me reset my password or get into my account or get my tax documents. I was told I would receive a call on XXXX XXXX to resolve it, but I did not. I want the funds, the tax documents and I want to close this account and be done with 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 2021-07-23
Company: Coinbase, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
1. On XX/XX/XXXX I transferred XXXX XXXX  to Coinbase from Coinbase Pro 2. On XX/XX/XXXX I took out a loan for XXXX using XXXX XXXX  as collateral 3. On XX/XX/XXXX the XXXX was deposited into my bank account ending i and I still had XXXX total XXXX  4. On XX/XX/XXXX I receive emails that my transfer of XXXX was cancelled, it never was and CoinBase stated that this was due to an internal error 5. On XX/XX/XXXX I also receive an automated email stating that XXXX XXXX  equaling XXXX were sold at a XXXX loss for funds recovery. Recovery of what I do not owe them anything outside of the loan which is still has a balance of XXXX and is current. 
6. I now only have XXXX XXXX  and still have a XXXX loan balance. 
7. Thus, my account is short XXXX They admitted that they had issues the night of the XXXX and it caused a problem with the state of my loan. Since then they have not returned over 10 of my emails kindly asking for the status of my missing XXXX. I have no other recourse left but to file complaints as they are not responsive in solving this error or communicating with me regarding when this will be corrected. I have two cases open regarding this matter case # XXXX and # XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-11
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: Reporting company used your report improperly

Complaint:
name of company : XXXX XXXX XXXX address:XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX : {$46000.00} n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Out of the blue, I received a letter 10 months ago from a collection company, XXXX XXXX XXXX XXXX XXXX, NY. The letter was dated XX/XX/XXXX, and it was alerting me that XXXX was collecting a past-due balance of {$350.00} from me on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY. I was baffled and stunned to receive this notice because I had paid my cable bill in total to XXXX XXXX before cancelling service with them in XX/XX/XXXX and returning the cable box and equipment. I never received any further communication from XXXX after paying my bill in total, canceling service because I moved to another residence and returning equipment. Immediately after receiving this notice about a bogus bill in my name, I contacted XXXX XXXX XXXX XXXX and filed a complaint against XXXX XXXX and XXXX XXXX  for trying to collect a bill that was not mine and failing to communicate with me the details of the alleged bill : what were the dates of services, what kind of services, what were the original charges, when did the bill become past-due? In a timely manner, XXXX XXXX sent me a letter notifying me that they will never contact me again or hire any third-party to contact me on the company 's behalf about this bogus past-due claim for {$350.00}. Additionally, I never again heard from XXXX XXXX XXXX. I was satisfied with the responses and considered the matter closed. However, nine months later, I received an annoying letter from IC System, of XXXX XXXX, MN, advising me that they are collecting the same alleged past-due amount of {$350.00} from me on behalf of XXXX XXXX  XXXX for unspecified service charges. Again, this was out of the blue, no earlier letters or phone calls. Further, IC System, reported this bogus past-due allegation in the amount of {$350.00} as an unpaid collection to XXXX credit reporting services, which lowered my near-perfect credit score by XXXX points from a near-perfect XXXX to a paltry XXXX. Immediately, I filed a complaint against IC System, XXXX and XXXX with tXXXX XXXX XXXX XXXX. I am awaiting a XXXX  response. XXXX XXXX is the parent company of XXXX. XXXX should have abided by the decision of XXXX to stop any further actions against me for an alleged debt that they could not confirm as mine and could not specify, qualify or quantify or provide specific details of any kind to me because the charges were not made by me. Instead of ceasing and desisting actions against me based on fraudulent and flawed information, this bogus past-due collection was sold to another collection company to pursue actions against me after I was told by the initial alleged creditor, XXXX XXXX XXXX that all attempts to pursue this bogus collection would be stopped. # # #

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 2020-01-06
Company: EQUIFAX, INC.
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 applied for a mortgage in early XXXX of 2019. Upon doing this, I was told that my information on my credit report from Equifax was wrong. They had my maiden name as my first name, and my first name as my last name. I called them and they told me what documents I needed to send in to fix it & to update my address. I got all of the documents and faxed them in. I was told 7 to 10 business days. After 7 business days, I called to check if anything had been done. Nothing had been. I told them it was for a mortgage and time was of the essence & they said they would put a rush on it. During this phone call I was informed that there was another file in my correct married name, so they would have to merge the accounts. I called back multiple times, getting a different person each time, having to explain the same thing everytime & being told it would be fixed everytime. It was too late to use my equifax credit rating for the mortgage. I wanted to apply for a line of credit. I called again to check and see if any progress had been made. I was told that everything was done, so I called the bank for my line of credit & they did a hard credit check on me. Turns out my files had been merged, but my name was still incorrect, which was the very first reason I needed it fixed. I was denied the line of credit because of incorrect information on my account, and it counted against my otherwise good credit. I called Equifax again, explaining to them, that they had not fixed the issue that I had explained to them so very many times & that they had told me was, indeed, fixed. I was told that another claim to fix it would be submitted, with a rush on it because it was for a line of credit. They told me 3 to 5 business days. I called today for the literal 20th+ time. I was told that only 2 claims were submitted, I was told everytime I called that a claim was submitted, one XX/XX/XXXX and one XX/XX/XXXX, both of which were only to merge my files. Neither one to change my name, which I stated was the issue every single time that I called, which i was told by multiple employees was going to be fixed. Today there were two more claims submitted, so I am told. One to change my name, and one to change my address. I have never been so frustrated and so at  my wits end in my life. I asked multiple employees on multiple occasions why nothing had been done, when I had done everything required by me to fix the issue, and none of them had an answer for me. The service I have received from them has been nothing less than incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 SECTION 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2021-07-24
Company: MAJR Financial Corp
State: MS
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 have been a victim of identity theft a few times with different platforms such as XXXX XXXX XXXX, XXXX visa card, and XXXX. Fraudulent credit line attempts have been made on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello my name is XXXX My problem is with synchrony Bank they financed some living room furniture from XXXX XXXX XXXX, and those from the furniture store sent the broken dirty living room furniture used I have them since XXXX and until now they have not helped me I send to they prove that the living room furniture is in poor condition and they don't want to help me, I sent photos to synchrony Bank and they did not help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
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 opened file # XXXX with XXXX with XXXX XXXX ( representative ) on XXXX XXXX XXXXXXXX. XXXX told me there's nothing he can do but alert the creditors. I told him I already done that, which is why I was calling to see if there's anyway I can dispute the inquires and inaccurate information over the phone. Since, I also can't do it online. He said again, they do not investigate anything, they only request the consumers to wait for a response from the credits. Which I have been doing for 6 months and still haven't heard back. The inquiries are below which are fraudulent which XXXX is refusing to do anything about : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 

I Also requested that he review the document, I mailed to him about XXXX which XXXX is reporting that I was late on XXXX ; XXXX ; XXXX. When I requested payment deferrals and extensions with XXXX, who stated in my contract they do not report those as late to the credit bureaus. XXXX also said they never received my disputes that I did with XXXX, XXXX, and Equifax, which I've done multiple times. So Equifax, XXXX, and XXXX in those disputes validated that XXXX provided information again and they validated that information, However XXXX is claiming in the letter they never received any dispute requests for validation from the credit bureaus. So, these credit bureaus are in violation of FCRA. Considering, they only validated based on old information and did not conduct an investigation as required by FCRA. The credit bureaus did not even respond to my requests that I wanted all info mailed to me. Because they never conducted a thermal investigation as required by law. 

I included all personal verification required to complete an investigation in this complaint. So, the credit bureaus can not say they don't have information to verify me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have contacted XXXX XXXX four times on four separate dates to fix my credit reporting. I wasnpersonally discharged of the mortgage following my bankruptcy in XXXX all of a sudden, XXXX XXXX began reporting to my credit bureaus again this year, in XXXX and XXXX of XXXX. I am now being declined for a new mortgage because of their inability to properly handle their bankruptcy cases. the reporting needs to be removed immediately or I will file a suit, as I have already reached out to my lawyer.

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 2021-07-23
Company: AVANTE
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Avante has placed a collection on my credit profiles claiming that I owe {$1100.00} to XXXX XXXX XXXX. Ive never had services from XXXX  XXXX XXXX. I have reached out to this company 3 times between XXXX andXX/XX/2021 ( I have certified USPS proof of delivery to them in which Im sending via the CFPB portal ) and they have yet to respond. They are unable to verify this because the debt does not belong to me. They are clearly not even attempting to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Revco Management, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Revco Solutions have been calling nonstop every single day regardless of the time. Ive asked them how they got my number but refuse to tell me. Furthermore, theyre sending illegal mail stating I owe a debt. How can I owe someone I dont know? How can pay something in a positive balance? I want the harassment to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-01
Company: Conn's, Inc.
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
This started back XX/XX/2021. 

Tried to keep payments up. Asked to refinance. 

They stated they have sent it, no no they didn't. 

By email or mail. 

Then finally received paperwork XXXX in mail, sent back to an address which wasn't any good. 
XXXX XXXX XXXX XXXX, Tx XXXX. 
In the mean time sent payments is XXXX??. 
Stop sending payments in XXXX and XXXX. Will keep payments in a savings account until. They comply with a reasonable refinance. 

Now, refinance is no good because has gone. 

I am at my ends with this company XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, Tx XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: WELLS FARGO & COMPANY
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: Public record information inaccurate

Complaint:
I have contacted wells Fargo four times on four separate dates to fix my credit reporting. I wasnpersonally discharged of the mortgage following my bankruptcy in XXXX all of a sudden, wells Fargo began reporting to my credit bureaus again this year, in XXXX and XXXX of XXXX. I am now being declined for a new mortgage because of their inability to properly handle their bankruptcy cases. the reporting needs to be removed immediately or I will file a suit, as I have already reached out to my lawyer.

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 2022-01-25
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I have had a credit card with XXXX for the past several years through Comenity Bank. I have paid on this account faithfully every month with very few late payments, if any at all. This past month I started receiving notices that my payment to XXXX was overdue, and they were threatening to suspend my account. I checked my past payments and saw that I was paying on time each month, so I was at a loss as to what they were talking about. Well, to my surprise, it was not Comenity Bank where I have around a {$1700.00} balance at XXXX that I pay on every month. No, this was XXXX calling because they have taken over the servicing for XXXX 's credit card account so that when I charged around {$200.00} at XXXX for my son 's presents, they had set up a new account for my XXXX account so now I owe them {$45.00} for THAT account that I did not even know I had!! XXXX said my balance with XXXX from Comenity Bank should have been moved over to them when they ( XXXX ) took over XXXX 's accounts!! How in the bloody XXXX am I supposed to pay on two separate accounts ( with interest!! ) to two separate banks for what should be one XXXX account!! Comenity will not move the balance over to XXXX so I can just make one XXXX payment a month ; they said I must have missed their e-mails about the change in banks so it is my fault and they will not help. I am infuriated and refuse to accept this! They should have moved it when XXXX took over - e-mails be XXXX. Please help me before I fly out to XXXX and hunt down their President to get things made right! I am very ill, and this is NOT HELPING!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: Coast to Coast Financial Solutions, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account was paid in full.

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 2021-10-03
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:
XXXX, Experian, and XXXX continue to report an unverified Account to my credit report and are in violation for NOT investigating this with the furnisher! XXXX is furnishing information that does NOT belong to me and are in violation of HIPPA laws for releasing personal information that is NOT mine! 

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