BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-21
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I disputed the lack of correct reporting of my credit scores with XXXX bureaus with no success. 

Since 2009 I have been asking and make a correction since on my mortgage payment and date of birth with no success. 
You have XXXX bureau with different credits score and critical data on file. 
I submitted a copy of State Driver license, Social security document for a correction with no success. 

Up today, you have XXXX different score with my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: Paypal Holdings, Inc
State: FL
Product: Credit card
Issue: Arbitration

Complaint:
I was a customer of XXXX since XXXX and my account became linked to Paypal credit in XXXX. I called a few time to have my APR lowered and was denied. During this time, my account was in good standing. Recently, I have been undergoing a financial hardship and reached out to all my credit card accounts and was immediately enrolled in hardship programs. Except Paypal credit, they have refused to work with me and only offered me assistance once I am 90 days past due in the meantime my account has incurred late fees and interests and they negatively reported me to the credit bureaus affecting my credit score and adversely affecting my home and auto insurance rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 non-monetary relief
Consumer complaint received 2015-12-07
Company: D2 Management LLC
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
D2 Management called my cell phone number and hung up so I called them back. CSR XXXX answered the phone and said " You owe for a cash advance and its for {$300.00}. '' I proceeded to tell her that I do n't owe it because I paid it off. She rudely responded with " I will put this on your credit and will let the company know you are refusing to pay it. '' Those were not my words. She hung up on me and I proceeded to call back. This time I got XXXX. She looked over my account and said I did not pay it off when in fact I did. I took out this loan in XXXX. In XXXX I paid off all of the advanced places I received a loan from. Making small payments while employed and unemployed. XXXX the let me know that XXXX was going to sue me UNTIL they saw the student loans on my credit report. She proceeded to argue stating that they will do a " hearing '' regarding my account. Its been 9 yrs and there has been no contact nor any letter. XXXX stated XXXX contacted me in XXXX and many phone calls and I hung up on them which is completely UNTRUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person.

This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Please remove the fraud accounts!

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 2022-04-09
Company: Carter-Young, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hospital never sent claim to insurance company. Therefore by the Medicaid law. Im not suppose to be billed for services while on Medicaid

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

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 2016-01-26
Company: LEXISNEXIS
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
LexisNexis XXXX reported to XXXX XXXX XXXX incorrect Indiana XXXX information. Called LexisNexis XXXX and asked how to get a certified XXXX record to them so they could delete the incorrect report they were sending out. I was told I can not provide a certified XXXX record and XXXX and the Indiana XXXX is responsible for correcting the incorrect third party information. The refusal to allow me to provide the certified dmv record is affecting my auto insurance renewal and the incorrect information resulted in a refusal to renew auto insurance effective XXXX/XXXX/16. I spoke with XXXX ID # XXXX on XXXX/XXXX/16 at XXXX XXXX at Lexis Nexis. They are providing information that affects my financial well being and preventing me from obtaining auto insurance. This is a consumer reporting agency - third party - and they are providing incorrect information and will not allow me to dispute the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
today XX/XX/21. I sent XXXX XXXX  ( stellar ) coins from my Coinbase pro account, worth over XXXX dollars at the time of incident, to my regular Coinbase account. The accounts are linked and I send coins/money back and forth all the time and never had an issue. When I sent them today, I did not get a transfer history, confirmation email, zero notification that the coins were sent from one Coinbase account to the other. The coins are gone in both accounts. XXXX  is supposed to be very secure. But this happened in house. Was not trying to send coins off Coinbase. Contacted Coinbase 3 times today via email and theres no live person to answer the phone. I was also locked out of my Coinbase pro account all day.this happens at XXXX XXXX. I finally got back in at XXXX. When I got back in the XXXX coins still appear to be in my XXXX wallet, but my account balance is at XXXX, and the amount the coins are worth are posted on orders. The only way they price of the coins should be posted on orders is if I set up a limit order to sell all XXXX on to the open market. I did not do that. I just was trying to transfer them into my regular Coinbase account.I never had a problem like this and I referred friends and family to Coinbase. I understand Im not the only one who had money disappear from their account today. And def did not lose as much as others. But its principal. I was relying on that money today. And this situation left me with my heart in my mouth. Im really hope Coinbase will help me after reading this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: EQUIFAX, INC.
State: KS
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:
On XX/XX/2020 I sent letters to XXXX, Equifax, and XXXX regarding inaccurate and unknown accounts as well as addresses that are showing up on my consumer report and credit file. I have made all three of these companies aware that my identity was compromised and I was a victim of fraud. I do not understand why these companies continue to ignore my disputes requesting them to delete the inaccurate and unknown accounts and addresses that they continue to report when I have made them aware of these headaches several times now. XXXX sent me an email stating the information was updated and I have never seen any documentation for this account I have demanded them to provide physical proof to verify this information and they have not and can not because there is no proof of these accounts belonging to me at this point I feel taken advantage of Equifax and XXXX did not even have the decency to acknowledge or respond to the disputes and it has been well over 30 days to my knowledge they have not even started an investigation at this point. This is causing financial hardship for my family please delete these inaccurate and unknown accounts as well as addresses immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
On XX/XX/2020 I sent letters to XXXX XXXX and Transunion regarding inaccurate and unknown accounts as well as addresses that are showing up on my consumer report and credit file. I have made all three of these companies aware that my identity was compromised and I was a victim of fraud. I do not understand why these companies continue to ignore my disputes requesting them to delete the inaccurate and unknown accounts and addresses that they continue to report when I have made them aware of these headaches several times now. XXXX sent me an email stating the information was updated and I have never seen any documentation for this account I have demanded them to provide physical proof to verify this information and they have not and can not because there is no proof of these accounts belonging to me at this point I feel taken advantage of XXXX and Transunion did not even have the decency to acknowledge or respond to the disputes and it has been well over 30 days to my knowledge they have not even started an investigation at this point. This is causing financial hardship for my family please delete these inaccurate and unknown accounts as well as addresses immediately.

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 2021-01-08
Company: TD BANK US HOLDING COMPANY
State: VA
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:
I had an account with Nordstrom/TD Bank that was opened in/around XXXX of XXXX. The account was placed in charge-off collection status in XXXX of XXXX. This is ONE account. Yet it is now -- and has for some time -- been inaccurately showing up on my account as having 37 ( THIRTY-SEVEN ) different charge-offs. I don't even know what collection agency has the account at this time, but I do know that ONE account should not be showing as 37 separate charge-offs. This is unquestionably bringing my credit score down, and unnecessarily at that. There is a SINGLE amount owed. I opened ONE account with Nordstrom, NOT 37, regardless of how many different collection agencies this account has fallen into the hands of. This information needs to be updated to ONE ( 1 ) charge-off or removed from my credit report altogether. Because the reflection that I have 37 various charge-offs with Nordstrom is fallacious.

As a resident of VA, I am protected by the federal Fair Debt Collection Practices Act ( FDCPA ), and Nordstrom is engaging in an abusive collection practice by leading me and would-be/future creditors to believe that I have 37 actual charge-offs with them, when in fact, it's ONLY ONE. This is working to prohibit me from being permitted to open future accounts with other creditors and limiting my financial growth This information needs to be updated to only ONE ( 1 ) charge off as opposed to 37, or this account needs to be omitted altogether. I have attempted to reach out to the parties who might be responsible for this, but have gotten no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: EQUIFAX, INC.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The following account is inaccurate and fraudulent. I did not own the following debt. I attached some screenshot of my report saying there are discrepancies in my accounts that the other bureaus do not have any input about the debt, please see attachment. 



XXXX XXXX XXXXXXXX / {$2800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The following account is inaccurate and fraudulent. I did not own the following debt. I attached some screenshot of my report saying there are discrepancies in my accounts that the other bureaus do not have any input about the debt, please see attachment. 



XXXX XXXX XXXX  / XXXX / {$850.00}

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 non-monetary relief
Consumer complaint received 2021-01-08
Company: EQUIFAX, INC.
State: FL
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 agreed to remove the late payment marker for XX/XX/2019 from my credit report from all credit bureaus. Unfortunately Equifax is reporting this negative data incorrectly. I've tried disputing it and still no resolution. I called XXXX XXXX last year regarding this matter and I was promised this was going to be resolved. This error has impacted my credit score tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24
Company: Empowerment Ventures, LLC
State: WA
Product: Prepaid card
Sub-product: Payroll card
Issue: Adding money

Complaint:
I unfortunately have XXXX ongoing issues with Rushcard. The XXXX being that a new card was supposed to be expedited to me on the XXXX of XXXX that was never shipped. On the XXXX I called to inquire the whereabouts of my card only to be informed it had not been processed so a new card was expedited on the XXXX to again arrive in 1-2 business days. As of theXXXX of XXXX, I still have not received my card not can anyone find a tracking number to find out where it is. 

Issue # 2. On the XXXX of XXXX, a deposit in the amount of {$400.00} was sent to Rushcard via my employer. I have called ever day since theXXXX, sometimes XXXX times to follow up only to either be on hold for XXXX hours or have the automated system hang up on me. If I did get connected to a rep, I would hear the scripted apology & please be patient. 

The cost of this issue has me losing my car as well as costing me additional rent costs as I was in the process of moving when this fiasco began. I now will owe my Landlord an additional {$220.00} if I receive my money on the XXXX as I was once again guaranteed. My job had been in jeopardy since Its a requirement to have a car. I work with XXXX I 'm forced to take unpaid time off. 

Ther most embarrassing part is that I have not had any money since theXXXX so I 've been scraping by eating whatever is edible in my home. This has consisted of rice & mash potatoes for a majority of the time. I 've run out of both so now I 'm going hungry or eating crackers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Regarding XXXX Credit Card accounts with XXXX. XXXX I was in contact with XXXX through a third party company to work on a settlement to pay the XXXX accounts. XX/XX/XXXX XXXX sent letters to me indicating they would : 1. No longer attempt to collect the unpaid debt on my accounts AND would be reporting the UNPAID Credit Card balances ( {$27000.00} and {$35000.00} ) XXXX for the XX/XX/XXXX tax year. 2. XXXX would be sending a XXXX to me in the near future of the principal balances. I received XXXX documents and filed with my XX/XX/XXXX tax returns taking the amounts as " income '' per XXXX guidelines. My XXXX also confirmed the XXXX XXXX amounts on the XX/XX/XXXX tax year XXXX transcripts. XXXX is still reporting the all XXXX credit bureaus that the full balance is owed to XXXX on the XXXX credit cards. The result is my credit scores being affected and I am not able to complete a re-finance on my home. I am filing this formal complaint against XXXX as this seems very unfair. The XXXX documents sent to me by XXXX state at the top of the documents " Cancellation of Debt ''. I do not understand how XXXX can send a XXXX to cause me to file the amount on my taxes and PAY TAXES to the IRS and turn around and continue to report these amounts to the XXXX credit bureaus as " Balance Past Due ''. Please help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-15
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I really need someone to assist me because I have been going through this for years with absolutely no assistance. I am a victim of identity theft. I worked at a company where the personnel who gave me my separation papers mistakenly provided me with another person 's information partially with mine as well as provided my information to this other person ; we both have the same first and last name, different middle name. This person used my information to open accounts as well as go to the extent to use my name and social security # when he went to jail. I had thought that this whole debacle had been cleared up on my credit report, but now that I am seeing it again, I know that it has not been. I am including my letters to the bureaus as well as my identification and affidavit. I was not able to obtain a police report. When I went in to the station to file one, the officers laughed at me, stated they " do n't give a XXXX about something that happened in Virginia '' and would n't make a report for me. I do not have the option to file one online, either as my area does not allow for that. 
I 've disputed this with the bureaus in the past and have received no assistance. 
When this person used my information to obtain a vehicle loan, I received a letter from XXXX stating that I had been approved for $ XXXX and that if I did not authorize this, to write them and let them know. I sent a letter certified as well as faxed it, stating that it was NOT me who applied and to NOT send a check. I then received another letter stating that the check had been sent for $ XXXX to the dealership. I did not authorize this, I did not apply for this, I did not obtain this, I do not have the vehicle and i need for this to be blocked and removed from my credit report immediately. This is NOT my account! 
As for the XXXX account, I did not open or authorize this account and I have no knowledge in regards to it. I notified them as well and nothing happened ; this is the same result from the credit bureaus. 
The accounts and inquiries in dispute are listed on the letters that I have attached.

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 2020-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This is regarding my Bank of America Alaska Airlines Business card, acquired on XX/XX/XXXX, and for which I paid an annual fee for. 

Even though I paid the annual fees, Bank of America unilaterally closed my account without any explanation on XX/XX/XXXX, thereby denying me services that I had already paid for. I was never in default, never extended my credit limit, or otherwise breached any terms of the contract. 

Please either reinstate my account, or provide a detailed justification for the closure Also provide a refund of the annual fees given that services paid for are not provided, leading to deceptive and unfair practice.

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 2020-10-14
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Has Chase changed their payment policy since 2017? Are there now holds on payments to prevent thieves from making multiple payments in short period to exceed credit limit? This protects card holders as well as card companies. Chase allowed multiple payments in a very short time by thief who then exceeded credit limit and then blamed me for making the false payments.

Company response to consumer: Closed with explanation