BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-06
Company: Experian Information Solutions Inc.
State: MD
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 mailed ( certified mail ) a letter to Experian credit bureau inquiring about negative information reported by " US BKPT CT PA XXXX '' in the file that they maintain under my Social Security number. I challenged the inaccuracy of this information and requested that within 30 days that they provide me with copies of any documentation associated with this supposed account, bearing my signature as well as information about their method of verification. They received and signed for the letter on XX/XX/2020. They did not indicate on my credit report that this item was in dispute, still, as of XX/XX/2020. They mailed me a response stating that they " verified '' the information via XXXX XXXX. I mailed them another letter in turn on XX/XX/2020 to dispute this information. I included with the letter also a copy of a statement from XXXX XXXX declaring that I do not exist in their database as well as a copy of a letter from the clerk of courts stating that they do not verify public records to credit bureaus. This letter was received and signed for on XX/XX/2020. I received a reply from them dated XX/XX/2020, which was simply another copy of the credit report stating that the information is " verified as accurate by XXXX XXXX. '' Again, I mailed them a copy of the statement from XXXX XXXX that I do not even exist in XXXX XXXX ' database, so how can they possibly verify this supposed bankruptcy via XXXX XXXX. This is an inaccuracy in reporting and per FCRA, this information must be removed from my report immediately. In addition, they broke the law by not indicating on my consumer credit report that I am actively disputing this item. I have attached several documents for review and proof. I have attached two letters that I drafted to Experian, as well as their responses. I have attached the letter I received from XXXX XXXX. I have also attached a copy of my credit report dated XX/XX/2020 which clearly shows that they have not noted that I am disputing this item on my report. 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 2017-05-22
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: Personal information incorrect

Complaint:
On    XXXX   XXXX    , 2017 I n oticed that my credir report dropped a significant amount. This was due to an error that   XXXX   XXXX   made. They erroneously reported that I was using between  12 and 29 % o f my credit for the month of  XXXX . On    XXXX   XXXX    , 2017 S upervisor at   XXXX   XXXX    XXXX  stated she would message the  XXXX  reporting agencies,  XXXX , Transunion and   XXXX   of the mistake. The mistake has not been corrected and needs to be corrected immediately as it has an impact on my va loan that is currently being processed. I have attached  2 scr een shots of my credit report. The correct  one and t he one that took a hit uneccessarily. Please fix this error ASAP.

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 2020-04-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I set up a paid service with Experian about 2 years ago. Recently I discovered I dont use this and the price is too high. I was sold on the ability to close my credit report when XXXX got hacked. 

There is no way to reset a password my email. There is no way to close my account via email. 

There are no people to help from the phone number. The auto prompt does not work. 

Since, I have tried to close my account 50 times. When I call in, they ask for ALL my information first, before im disconnected. This means entering my address and social security number over and over and over. I have entered every address that I have had in the past 3 years. I NEED SOME WAY TO CANCEL ALL PAID SERVICES. 

I want to cancel my Experian account. This is deliberate exploitation. PLEASE 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 2022-09-12
Company: Credit Karma, LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I was told that I had great approval odds and that I should apply for a loan to consolidate my credit card debt. It gave me an APR on my loan for 18.49 % but when I applied for a loan and got approved my APR was 26 %. Credit Karma deceived me and thinking that I had great approval odds for a low interest rate loan and that was false. The loan company is called XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: Viking Client Services
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My cell phone is registered on the do not call list. I received a call from someone who asked for a relative. I told him he was calling a cell phone and it was not the number of the relative. He told me my number was listed as an alternate contact number, which it is not. He asked if I could get in contact with the relative and I told him I have no communication with the relative and hung up. He did not identify himself or his company name. However, I looked up the phone number on the Internet to find out what the call may have been about.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This complaint is against XXXX located in XXXX, TX. I was living there for 2 years. XX/XX/XXXX-XX/XX/XXXX. Few weeks after I moved out I received a phone call regarding debt collection of {$110.00}. The collector was IQ data international. I disputed the amount and I did not want to pay them a penny. The did harm my credit score, so after few month I decided to pay the just so they can close and remove the debt collection from my credit report. The promise the will, which they never did even though I paid them in full. The debt on my credit report showing under XXXX and that 's who I should come after. I was not suppose to pay at all, but even after I paid that they keep harming my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Fidelity National Information Services, Inc. (FNIS)
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 is incorrect

Complaint:
I am in chex systems due to some information being reported to Chex systems by. No one can tell me why I am being reported because the account is paid in full. They have never given an explanation of why my account was closed or anything. Now I can't open a bank account when the account is paid in full. My bank is out of state because I moved and now can not open a bank account here and no one know why.

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 2020-04-06
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Recently I suspected that my identity has been stolen due to the amount of notifications I received about inquiries that I have no knowledge about. I also am aware that my information was exposed I about 2 different data breaches. XXXX data breaches, and XXXX Data Breach. The breaches put my information at risk and resulted in fraudulent accounts being opened in my name.

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 2016-12-05
Company: Ad Astra Recovery Services Inc
State: TX
Product: Payday loan
Issue: Can't contact lender

Complaint:
I contacted ad Astra initially to verify the debt via certified mail. They did not give me any paperwork stating that the debt was verified as mine and the collection went on my credit report without verification. Months later the money I owed was automatically withdrawn from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
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:
I sent off a certified letter to Investigate my account on XX/XX/XXXX & they have not responded back via a proper letter. Neither was proper investigation done. They instead allowed the collector to send me a collection notice. Here is my tracking # XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX 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 explanation
Consumer complaint received 2015-06-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Select Portfolio Servicing ( SPS ) is refusing to apply payments me and my husband made when we individually filed bankruptcy. Attached are XXXX payment abstracts from the Bankruptcy Trustee for me and my husband. Please note, not only was XXXX paid but also XXXX XXXX. I was not able to find either of these payments posted or applied to my account on the summary provided by SPS. Therefore, SPS has engaged in coercive and deceptive collection practices by falsely claiming that certain amounts are due, misapplying my mortgage payments, improper calculation of interest, and has failed to credit payments properly which are in clear violation of the Federal Real Estate Settlement Procedures Act ( RESPA ). Also, note other payments were not sent because XXXX/XXXX rejected them but kept XXXX and held it in suspense as documented on the summary provided by SPS. 

As a result of refusing to accept and accurately apply payments, they are attempting to foreclose on our property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX  XXXX XXXX refuses to update its credit reporting. I have reached out multiple times with no proper answer/resolution. They keep reporting 180-days late payments on my credit report every month. They also re-aged the account by falsy reporting that I have made a payment in XX/XX/XXXX. I have not made any payments to XXXX XXXX  XXXX XXXX in XXXX, XXXX, XXXX I have bank statements to prove it. They are also reporting to the credit Buearuaes that the loan was opened on XX/XX/XXXX, with a 72-month term. Based on that information the account would be long gone, charged-off & definitely off my credit report. They also have violated the UCC 9-616. Please help me stop this law-breaking company from further damaging my good name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
About a year ago I obtained a capital one XXXX and used it to start building my credit. Over the period of having this card I experienced, on multiple occasions. My payment being declined, despite having more than enough money to cover the payment, the payment wouldn't go through, or some other erroneous reason would be given on why the payment wasn't processed. However once having customer service on the phone, the payment went through fine ( using the exact same bank account. ) Despite this. My credit score was on the rise. Even going over 600 and encroaching XXXX. The last incident of no payment resulted in the company canceling my card. They stated that the reason was due to issues making payments. The same week they canceled my card, they also sent me a congratulatory email, praising my own time payment history. This felt criminal what this company was doing, and borderline harassment. Since the issue of the last payment not going through and my plan being canceled. My credit score dropped almost XXXX points. I want an official complaint made and if this doesn't work, I will seek private representation. I worked very hard to build my credit... I have struggled in life and finally gotten on the right path but what this company has single handedly done to negatively effect my credit and subsequently, my life, is extremely demoralizing. I really hope some one sees this and takes this seriously. They were in the wrong, I called them out for it. And they retaliated in what feels like a direct attempt to ruin my credit... I have proof..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25
Company: Alliance One, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went to the emergency room ( XXXX Hospital, operated by XXXX XXXX XXXX ) in XXXX 2015. As prompted, I offered my credit card information to the financial team, and they began billing me monthly, in the amount of {$510.00} dollars. 

I have statements from XXXX indicating every XXXX of these automatic billings, on time, and without any issue. 

However, I have recently received collections notices from a collections agency named " AllianceOne '' which claim to be on behalf of " XXXX XXXX XXXX XXXX ''. This is unexpected, as XXXX XXXX XXXX is still billing me, as expected, for {$510.00} per month. 

I have officially disputed the validity of the debt with AllianceOne, but have received no indication from them of the validity or proof of the debt. I have contacted XXXX XXXX XXXX multiple times ( over phone and email ) and have left messages with their human resources and their financial departments, but have received no response, email or otherwise. 

I received XXXX additional letters from AllianceOne this week indicating a different debt amount, and still no indication that they have received my dispute of debt ( sent approximately the first week of XXXX 2015 ). 

I am concerned that this may be a fraudulent collections attempt, as I am still being charged as expected on the XXXX-month billing cycle for treatment through XXXX XXXX XXXX, and have not been delinquent on any payments. 

Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, I was alerted to one fraudulent transaction on my card. I immediately blocked it and called to verify my identity. The bank then allowed nearly $ XXXX in additional fraudulent charges and a false payment on the account despite my validating identity, that the card was in my possession, etc. 

They even allowed someone to make a fraudulent payment which was reversed. 

It has seriously impacted my credit and the fraud team can't explain it and are saying it will take several more weeks and no explanation as to the error in their process. At one point they wanted me to mail documents when they couldn't secure the digital version!

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 2020-04-06
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX  XXXX XXXX refuses to update its credit reporting. I have reached out multiple times with no proper answer/resolution. They keep reporting 180-days late payments on my credit report every month. They also re-aged the account by falsy reporting that I have made a payment in XX/XX/XXXX. I have not made any payments to XXXX XXXX  XXXX XXXX in XXXX, XXXX, XXXX I have bank statements to prove it. They are also reporting to the credit Buearuaes that the loan was opened on XX/XX/XXXX, with a 72-month term. Based on that information the account would be long gone, charged-off & definitely off my credit report. They also have violated the UCC 9-616. Please help me stop this law-breaking company from further damaging my good name.

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 2022-09-12
Company: SYNCHRONY FINANCIAL
State: FL
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:
in my credit report shows an address in TN that is not mine ( I never live at that address ) and also a collection that i have no idea who it belongs to. I disputed but the credit agencies won't remove it from my account. I never live at the address it shows in a state that i never lived in. they are charging me {$2900.00}

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 2015-09-16
Company: Reliant Capital Solutions, LLC
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was looked up on XXXX by one of their agents ( XXXX XXXX ) and then I was called at my NEW PLACE of employment! He said I was his Academic Advisor and he needed to talk to me .... This is false.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-06
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 status incorrect

Complaint:
I have been under a {$0.00} IDR repayment plan on my student loans serviced by XXXX for 3 years. XXXX has inconsistently reported my repayment history under these payment plans, which has had a negative impact on my credit scores. 

Some months XXXX will report my {$0.00} payment as on time, while in other months the {$0.00} payment goes unreported entirely. 

XXXX reports all three loans as active every month, so the total number of reported active months continues to accrue. However, when the bureaus divide the number of monthly payments XXXX reportes as on time by the total number of months reported under the loans ( which includes months where XXXX reports no payment information ) the resulting on time payment calculation is misleadingly low.

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 2021-10-29
Company: Coinbase, Inc.
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Transferred XXXX XXXX from Coinbase to Coinbase XXXX on XX/XX/XXXX, XXXX the transfer went through fine however I placed a limit sell order to sell XXXX XXXX XXXX at a limit price of XXXX which would have been {$8300.00} USD- but the order didnt show up until 5 hours later on the Coinbase pro app - also the funds are stuck in limbo and Coinbase support refuses to fix - I want my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-06
Company: Certegy Holdings, LLC
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
DEAR CONSUMER PROTECTION BUREAU SO IM SUBMITTED WRITTEN EMAIL ABOUT IM HAVING PROBLEM ISSUES WITH AND BUSINESS COMPANY GOES BY THE FIRM NAME OF CERTEGY PAYMENT SOLUTIONS LLC SO ASLO I CAN PROVIDE MORE IMFORMATION ABOUT THIS TYPE OF BUSINESS SO THIS BUSINESS PROVIDE CONSUMER REPORT REGUARDING FINANCIAL DATA FROM BANKS CHECK CASHING MERCHANT RETAILS STORE LOCATION LIKE XXXX XXXX XXXX CHECK CASHING SERVICES SO THE MAIN PROBLEM ISSUES IM HAVING WITH CERTEGY PAYMENT SOLUTIONS LLC SO THIS BUSINESS AGENCY PROVIDE CONSUMER FINANCIAL DATA TRANSACTION REGUARDING DECLINE CHECK CASHING FEES SERVICES SO I WAS RECENT TRIED TO CASH AND CHECK AT XXXX RETAIL STORE LOCATION IN MY LOCAL AREA SO THE CHECK ENCLOSE WAS ISSUE FROM UNITED STATES POSTAL SERVICES CHECK DATE ISSUE XX/XX/2020 CHECK AMOUNT {$31.00} CENTS BANK NAME LOGO ISSUES CHECK XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DE XXXX ZIPCODE CHECK ENCLOSE WAS MAIL FROM UNITED STATES POSTAL SERVICES LOCATION XXXX MN XXXX ZIPCODE CHECK VOID AFTER ONE YEAR TREASURER SIGNATURE XXXX XXXX SO I HAVE BEEN HAVING SOME DELAY PROBLEM ISSUE WITH THIS BUSINESS CORRECTION MY CONSUMER CREDIT REPORTING FILES IN THERE COMPUTER SYSTEMS SO EVERYTIME I TRIED TO CASH CHECK AT XXXX STORE LOCATION CERTEGY PAYMENT SOLUTIONS LLC ALLWAYS DENIED CHECK FOR WHAT REASON I CURRENT DONT 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