BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Account passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

I recognize your quick regard for BLOCK or REMOVE these ADDRESSES, NAME, ACCOUNT and reaction inside 4 work days : 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 2019-11-03
Company: Bread Financial Holdings, Inc.
State: UT
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:
There was a collection account placed on my XXXX credit report on XX/XX/19 with a balance of {$1800.00} by XXXX XXXX XXXX. The original creditor is listed as Comenity Capital Bank whom I have NEVER heard of. It is listed that the account was opened in XX/XX/2019. I have not opened or applied for any credit accounts in the past year. This is not my account and I do not owe this company any money. I have never received any written or verbal notice of this account either prior to or after it was placed in collection therefore this has been my first and only opportunity to dispute this. I was part of the XXXX data breach as well as a XXXX XXXX XXXX XXXX data breach. I have disputed this directly with XXXX as well as attempted to dispute it with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report.

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the fu
rnisher ( s ) of that information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19
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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Account passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.

I recognize your quick regard for BLOCK or REMOVE these ADDRESSES, NAME, ACCOUNT and reaction inside 4 work days : XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2017-09-01
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
To whom it may concern, My name is XXXX XXXX XXXX and I lived at the Village in XXXX XXXX XXXX XXXX, an XXXX XXXX Apartment complex. We moved out on XXXX XXXX XXXX from the village and we " accumulated '' {$930.00} worth in move out fees ( Attached to this email is the balance sheet ). I have tried in multiple occasions to contact them and XXXX XXXX and I have had the run around for a while. I used services such as the XXXX, XXXX XXXX XXXX XXXX ( Complaint ID : XXXX # XXXX ) and other bureaus to seek mediation and they have still been negligent to handle our problems. The Village has in multiple times tried to collect the debt from my roommates XXXX XXXX XXXX and XXXX XXXX XXXX with out notifying me even sending letter with only their names and not mine. I have reached out to them thru different dep and was able to get help in the matters. On XXXX XXXX was the last time I emailed the Assistant Manager at XXXX XXXX and requesting her to please escalate my concerns to her Manager since I have been requesting information and she has not been addressing my requests. The dispute is pictures they are providing showing that our carpet was above normal wear and tear and are charging us for the full replacement of the apt carpet and the decon of the cement because they are stating that the stains were so bad that the cement was damaged. After requesting images of the cement, the dimensions of the stains ( since we could not make out the size of the " stains '' thru the pictures ), the carpet ID # on any paper work that we signed ( since they provided a picture with the ID # on it but our paper work does not reflect that ID or anything of that matter ) I never received an email from XXXX XXXX or XXXX company since I did CC them on the email and no one responded back. On XXXX XXXX XXXX my roommate XXXX XXXX received a letter from XXXX XXXX XXXX XXXX stating that XXXX XXXXXXXX sent the expenditures to them for collections. I do not understand why XXXX company keeps doing such things if they have been negligent to respond to me and I never received a letter XXXX XXXX and XXXX still live with me in a different address ) nor did XXXX. I contacted XXXX and discussed the matters and they stated that they did not have our addresses yet they had Isabels and we all have our letters from the Post office when we requested the address change and we provided that address to 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 2022-07-19
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I opened a Victoria Secret XX/XX/XXXX and a New York and Company credit card account ( opened XX/XX/XXXX ) In XXXX of XXXX, a late fee was reported on my account on both credit cards for being late. I have never been late and I asked for these late payments to be removed from my credit reporting even though the accounts have been paid in full and closed. 

I have tried to dispute this from my XXXX, as well as sent a letters to both companies and lastly a letter to Comenity Bank but I have not been successful. My XXXX and XXXX shows I have never been late on this account, and I made that clear in my letter to XXXX as well as the company. I have not received any results from the letters I sent to the company over 60 days ago. My credit is important to me and I do not feel I should have to suffer from wrong reporting. I have sent multiple letters regarding this matter. This account has been closed since XX/XX/XXXX and paid in full. I take pride in making sure my accounts are made on time and I expect accurate reporting. This report is still affecting my credit and I would like both accounts be resolved as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2022 a money transfer in the amount of {$320.00} was made from my PayPal account and sent to a private person In Error. The error was made when a telephone number was inadvertently transposed during the transaction. My account has been carrying this incorrect balance since that time. Attempts to get the balance corrected and debit the recipient of the transfer has thus far been unsuccessful. I have made telephone calls to PayPal and sent certified mail to Synchrony Bank ( PayPal banker ) and to the Office of the Comptroller of the Currency. That office has assigned Case # XXXX to the matter and has informed me that they have forwarded my certified letter providing all of the details to you. Their letter to me is dated XX/XX/2022. I look forward to resolving this matter so that I may receive my funds returned. The person is not a merchant, vendor or to my knowledge engaged in any kind of a business and I did not receive any goods or services from that person. Further the transaction was not a gift.

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 2019-11-03
Company: CORELOGIC INC
State: NV
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:
CoreLogic is reporting rental history that belongs to my father XXXX XXXX XXXX for an address on XXXX in XXXX XXXX, Nevada under my name XXXX XXXX XXXX. Ive been attempting to get their records updated by sending them the court records and the Property Managers even sent a letter stating the same but CoreLogic refuses to remove the information from their tenant report on me and its resulted in me being denied a place to live twice as well as over {$300.00} in application fees.

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 2017-09-01
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX XXXX gave me extremely high rates on my XXXX loans from XXXX. When I graduated in XXXX, I asked them if it was possible to lower my rates. I was told I could only put them into forebearance, and was never alerted to any income-driven repayment plans. 

This was done via multiple phone calls in XXXX. I want to document this, as there is an outstanding lawsuit against XXXX XXXX Navient XXXX and I was a victim of their unfair practices, resulting in thousands of dollars of additional interest and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2022-07-19
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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
XXXX XXXX ran my report 3 times in short period without my knowledge or permission. I never signed any agreement ( written or verbal ). I think this is fraud. I will not except no on this. I will message as many times needed until it's removed. I own my house deed and all. I can prove this. There is no need for me to apply for a home loan when I own one out  right

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: U.S. BANCORP
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:
I am disputing a transaction with the XXXX issued by USBank ( " XXXX XXXX '' ). 

I have paid {$XXXX} from this card via XXXX to a tour operator based in XXXX. The services provided by the tour operator did not match the description that was provided by the company sales representative. I have documentation to prove this. 

I have brought a dispute with the credit card company ( USBank ). However, USBank refuses to consider the documentation I provided, repeatedly promised to reopen or escalate the case, but did not do this. Essentially, my dispute is being dragged to slow death. I am given runarounds and statements that the bank " ca n't do anything ''. 

The charge was onXX/XX/XXXX, {$XXXX} to XXXX. 

To reiterate, I was sold a service and what was provided did not match the description by far.

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 2022-09-01
Company: Experian Information Solutions 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:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX To whom it may concern Delete this account because : 1. It was illegally re-aged. On my XX/XX/XXXX report it shows XX/XX/XXXX, and on my XX/XX/XXXX report, it now shows XX/XX/XXXX in the dola. *see attached document * XXXX. Account number is different *see attached document* XXXX. The amount is different *see attached document* This is damaging my credit because they are allowing this company to report illegal, inaccurate and incomplete information on my credit report. 

Thanks 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 2022-07-19
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian Credit Bureau for some reason continues to update an account that was included in a XXXX XXXX Bankruptcy on XX/XX/XXXX. The account is called XXXX ( XXXX  ) XXXX Throughout the years, my Experian report showed this lender having various " status dates '', and even every so often a new derogatory payment history indicator. All on an account included in the Bankruptcy & closed in XX/XX/XXXX. One year Experian would have a new XXXX date, then another date, and now a new date of XX/XX/XXXX for a status date and also again making a negative payment history remark for XX/XX/XXXX. Note : No other accounts that were included in the BK, have a status date past the Bankruptcy file date. Every other account included in the BK, says XX/XX/XXXX. Also no other Credit Reporting Agency has the new dates and continued derogatory payment history for this lender. Seriously, Experian has changed up this lender info yearly, even way after the BK, and whenever I submit court docs, it's like a monopoly of what Experian will change & report. I can attach XXXX XXXX Bankruptcy Schedule from XXXX. The newest entry from Experian now says " included in Bankruptcy in XX/XX/XXXX ''!!! Five years off from XX/XX/XXXX being the date of the account being included in BK.After talking with my BK attorney, we see contempt of the law, but are trying to get Experian to cooperate. Because this has gone on for years of continued wrong information, we request the report to be corrected or for the XXXX ( XXXX XXXX  XXXX to be removed totally. Thank you

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 2020-06-22
Company: Experian Information Solutions Inc.
State: UT
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:
Experian should not be reporting a current balance of {$10000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account should be reporting a {$0.00} balance. XXXX is reporting correctly. This is a violation of the Fair Debt Report Act. A credit report needs to reflect accurate information. This false reporting of repossession with a balance due is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to update this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Coinbase, Inc.
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Hello. On XX/XX/2022 I purchased XXXX US Dollar Coin ( " USDC '' ) on Coinbase, funding the purchase from my XXXX XXXX checking account. The transaction went through ( reference number XXXX ) at XXXX the same day ( see screenshot # 1 ). I intended to use the USDC to fund my Coinbase debit card for a purchase coming up in a few days, but when I logged back in a few days later I noticed a second, unauthorized transaction in my USDC wallet history. Specifically, a transaction with the name " Spent USD Coin ( authorization ) Using Coinbase Card '' appears as having been completed at XXXX pm on XX/XX/2022 ( see screenshots # 2 and # 3 ). I did not initiate any transaction using my coinbase card on XX/XX/2022, and in fact this transaction does not appear at all in my coinbase card transaction history ( see screenshot # 4 ). The latest transaction in my coinbase card history took place on XX/XX/2022, and I can find no other record of this supposed " authorization '' transaction anywhere in my account. 

I have contacted Coinbase three times ( two by email and one by phone ), and after indicating they opened investigations, Coinbase has now told me twice that I contacted the wrong department, and the Coinbase funding team can not see coinbase card transactions, and the Coinbase card team can not see funding transactions. See Coinbase Case # 's XXXX, XXXX, and XXXX. In my latest email, I requested this matter be escalated to a supervisor who could view both sides of the account, as based on the unauthroized transaction 's name, it appears to involve the coinbase card ( even if there is no record of it in the card 's history ). 

To sum up, I am missing XXXX USDC ( worth {$2400.00} ), due to an apparently automatic transaction to authorize the coinbase card, that is not reflected in Coinbase 's record-keeping of the card 's transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-15
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is an attempt to collect a debt that I don't owe. I was only XXXX and did not apply for this credit. Please have this account removed from my credit report. 

Thank you.

Company response to consumer: Closed with non-monetary relief