BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-29
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: Problem with personal statement of dispute

Complaint:
MY DESPUTES CAME BACK VERIFIED FOR BEING ACCURATE FOR XXXX, ACCOUNT XXXX 1.DATE OPEN IS ININACCURATE. 2.TERMS ARE INACCURATE. 3.HIGH CREDIT IS INACCURATE. 4.LAST REPORTED IS INACCURATE. 5.DATE OF LAST ACTIVITY IS INACCURATE. 5. DATE OF LAST PAYMENTIS INACCURATE. 6.PAYMENT HISTORY IS INACCURATE. THESE ARE THE THINGS I SEE THATS INACCURATE ON MY XXXX, EXPERIAN, AN XXXX CREDIT REPORT WICH IS GROUNDS FOR REMOVAL. AND THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C. 1681 SECTION 602 A.STATES I HAVE THE RIGHT TO PRIVACY. AND UNDER 15 U.S.C. 1681 SECTION 604 A. STATES A COMSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITH OUT MY WRITIN INSTRUCTIONS.15 U.S.C . 1681c. ( a ) ( 5 ) SECTION STATES NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES 15 U.S.C. 1681s- ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTINGAGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS ACCURATE.

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 2022-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 reached out to XXXX XXXX. In the form of an affidavit on XX/XX/2022 via XXXX XXXX Mail and it was signed for by a XXXX XXXX I received a postcard in the mail on XX/XX/2022 stating my name was not in there system check with the XXXX XXXX XXXX. Upon receiving this information I drafted another letter and mailed it out to XXXX XXXX as a Notice of Default on XX/XX/2022, and it was signed for by a XXXX. I called XXXX on XXXX XXXX to inquire about the notice that was recieved and XXXX XXXX stated they did not receive anything from me even though it was signed for by someone in their back office. On XX/XX/2022, XXXX recieved a second Notice of Default which was signed for by the same individual. I called XXXX on XX/XX/2022 upon noticing I have not got a notification of my documents being put on file. XXXX XXXX stated to me again that they have not received any documents from. 
XXXX XXXX unfair practices and becoming detrimental to my everyday life. 
In accordance with the Fair Credit Reporting Act has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my expressed written consent. I did not authorize XXXX XXXX to furnish any inquiry on my Consumer Credit Report. 
ALL RIGHTS RESERVED WITHOUT PREJUDICE 1-308

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 2015-09-14
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I started received mail a few weeks ago intended for different parties. I have no credit relationship with the other parties. I checked the credit report from Experian and under " Personal Information '', it lists a " known by '' name as XXXX. This is not my name and has never been my name. I have birth certificate as prove and official Department of State documentation. I attached XXXX documents which include credit report, and the mailings I received from institutions that use Credit Agencies. The names are those of my parents ( however, I can not conclusively state it is not a coincidence that the XXXX names on the envelopes are my parents who live on the other end of the country ) and have no association with this residence, nor do we have credit or business relationship.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-05
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I 'm filing this complaint because Experian Has ignored my request to provide me with documentation that their company has on file that were used to verify the accounts I disputed. Under section 611 ( 5 ) ( A ) under the FCRA, they are required to promptly deleteall info that can not be verified. Please resolve this matter. 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 2017-09-06
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I use Coin base to transfer my big coin 's and for some reason they made my bitcoin vault negative XXXX $ and they need to reset it to XXXX I can not withdraw any of my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
In XXXX XXXX I was served at my home for a medical debt that belongs to my daughter when she was a minor which was XXXX, she is now currently serving in the XXXX XXXX. This paperwork of debt owed from CMRE was the first I had heard of this. When speaking with the representative the address they had stated they served me at was an address that I have not lived in since XXXX. Is this where my statements were going? I have told this company the amount to pay is to high. It has jumped from {$1700.00} to over {$3700.00} with what they claim are attorney fees. I have asked numerous times for an itemzed statement of what I am paying for and have now been told it is not mandatory and that I should be getting that through the courts. She did say she would send me one as a one time thing ( WHAT??!?! ) Is it hard to provide this? I have never heard os such a thing. I am on a payment arrangement in the amount of $ XXXX for THREE years ... yes THREE. Its a payment arrangement they set me up for to default. I ask can I pay online ( no ), I need to call in and speak to one of them to make sure the payment clears. I have asked if can be auto-drafted ( also no ). So you want me to remember to call you every month for three years??? No this is them setting me up to default and garnish my wages. I was also told on XX/XX/XXXX, when I called and made a payment that if I did not sign the papers from the attorney of this arrangement that they would consider it not an arrangement and would begin judgement and I should receive them in three days. This is an absolute set up for default and I am about to file a suit on them. They 're saying if I dont sign the paper after I already called and made an arrangement and made payment that they will start a judgement?!!?! Here it is XX/XX/XXXX, and no papers have been sent to me. I am a single mother and have told them this is not feasible. I can not afford for fee 's on top of fees to be added. I was not notified prior to this. I am in a nightmare. Please help, they are refusing to help me. I need fee 's removed and an arrangement I can afford for exactly what I owe. Please please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: U.S. BANCORP
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello US BANK you keep my ending balance XXXX $ for over 2 months, and I tired to ask your customer service, but no one has any idea about my account information. Please inform me when you will release my money.

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 2022-09-16
Company: Paypal Holdings, Inc
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Venmo has held my money for 3 years now and still won't release it to me or let me transf er it out to my own bank I have reached out to them many times I get the same answer XXXX and it been 3 years please help me get my money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
submit dispute about correcting name and current address on XX/XX/20 delivered by certified mail delivered on XX/XX/20. Received report back with deleted addresses, until this day addresses that are not deliverable to me by XXXX. are still on my profile. 

Sent a dispute letter on XX/XX/20 received certified mail on XX/XX/20 and still have not heard back from XXXX. And XX/XX/20. 

XXXX, Trans Union was sent the same information on XX/XX/20, XX/XX/20 as well. 

Addresses were still being put on my credit report that was not mine even after I told them I never stayed at the addresses. I was also unable to verify my identity on the phone due to the wrong information in my credit profile.

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 2016-08-17
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Issue: Transaction issue

Complaint:
We contacted Barclay Card with XXXX XXXX XXXX over XXXX charges to XXXX with a billing dispute. XXXX never credited the account on their end and then proceeded to charge us twice. When I contacted them to put in a dispute they told me it would be taken care of and not to pay it. About a month and half later I woke up to discover they had put back the charges to XXXX. They advised me that they have no dispute rights because the dispute was not completed properly or entered properly into their system and XXXX sent them documents. I requested those documents on XXXX XXXX and still as of the date of this complaint have received nothing. Repeated calls to them have garnered no help except that they would look into it which they never did. They are refusing correct their representatives error and process the dispute that I requested just telling me that it is a one time deal. 

In addition I submitted a payment to them in XXXX for the amount of interest bearing balance as I have some items on a no interest promotion. They did not apply it to the interest bearing amount instead to the promotion and their response was that they always go to the promotion first. I thought they had to apply this to the most expensive interest portion first. 
Some of the items were never even placed on promotion instead on lower interest rate. They have also refused to correct this.

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 2016-01-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have multiple accounts on my credit report that are reporting incorrectly. They were opened fraudulently with my social security number, my name ( wrong middle name ) and an ID from Pennsylvania with the wrong address and a photo that is not mine. None of the companies agree that this debt is not mine and most of the fraudulent files are reporting to all XXXX credit reporting agencies.

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 2022-05-29
Company: SYNCHRONY FINANCIAL
State: WV
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 became delinquent in this credit card in XXXX of XXXX, which is the same month that I was laid off of work due to having a fever. I didnt return to work until XXXX, and my Unemployment benefits didnt hit my account until around XXXX, which all went towards catching everything else up. The credit card was turned into collections in XXXX of XXXX, at which point I had set the money aside so I paid the entire balance off, however when I did this, I asked that they remove the derogatory remarks from my credit report if I paid them the whole balance. They said they would, however they never did and I made no progress at getting them to so I gave up. However yesterday XX/XX/XXXX Synchrony bank added remarks to the account that decreased my XXXX credit score by almost XXXX points. I called them and asked why this was and they stated because I had filed a dispute saying that I was delinquent on that card due to unemployment as a direct result of the natural disaster/pandemic that was covid 19, so they changed the status of the account from paid back to charge off. In addition to that, they told me that XXXX was to blame for the credit score decrease and that I needed to talk to them, so I called XXXX, who confirmed what I already knew. Which is that they just place what the companies report to them on our credit files. I found this to be extremely odd as I have paid the entire balance of the card, but because I filed a report that they didnt like they literally ruin my credit. I have worked so hard to get it up to around XXXX from what they did to me the first time and now they drop me back down to XXXX as retaliation. This has to be against the FCRA, and its unacceptable. Please help me, I am trying to get my life on track and without credit, its impossible. Synchrony/American Eagle bank is a dishonest corporation and I hope to see something done about them. Synchrony/XXXX  XXXX  are supposedly sending me a letter stating that the balance was paid in full by me, but were reluctant to say it was paid by me because they know they are at fault here.

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 2020-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
i recently pull a copy of my credit report i want to inform you that i have unauthorize inquiries on my credit report and i need all them to be remove 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 2022-05-29
Company: Experian Information Solutions Inc.
State: TN
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/XXXX I contacted Experian about the following negative accounts XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$4100.00} ), XXXX ( Date Opened XX/XX/XXXX, Balance : {$7400.00} ), XXXX XXXXXXXX ( Date Opened : XX/XX/XXXX, Balance : {$2900.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1100.00} ), XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1200.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$340.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2800.00} ), XXXX ( XXXX, Date Opened : XX/XX/XXXX, Credit Limit : {$750.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2016-07-26
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card
Issue: Bankruptcy

Complaint:
I obtained a Care Credit card in 2007 at the vet when my pet was XXXX. The interest rate was supposed to be reasonable and I had a small income that should 've covered the payments. Later on I had my own urgent health issues that were n't covered by medicaid. I lost my job and my financial aid ran out. Someone I knew took my XXXX card and used it without my knowledge. I was homeless and my ex threatened me to keep me from applying for child support. I explained my situation to the Care Credit representatives but their only response was to raise my interest rate to 29.9 %. I made payments on the debt but the amount owed only increased. My credit was ruined and I was forced to file bankruptcy because after 8 years, the Care credit was still on my credit reports several times.

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 2016-08-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I started the process to Bankruptcy but I never went to court to complete the process. I did not go to court either times because I did n't want to go thru with the process. It appears twice on my credit report and I would like it removed as it is showing public record and it is affecting my credit score.

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 2022-09-16
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 According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. After multiple disputes Equifax XXXX and XXXX Credit bureaus are currently still reporting XXXX XXXX - XXXX an inaccurate account on my report such as multiple inaccurate names and addresses that are not mine, account status shows Last reported date is inaccurate, Date of Last Activity is inaccurate, Date of Last Payment is inaccurate missing data and a Collection/Charge-off reporting a balance. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. Equifax, XXXX and XXXX are not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion. 

Under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: Associated Credit Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have asked Assocaited Credit Services to respond, yet they do not respond. I have asked them to provide verification and validation and yet they do not respond. See attached supporting documentation. I replied to their initial letter and it has now been 30 days and they have failed to validate. I do not think they have the original contract between the original creditor and I because the debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: EQUIFAX, INC.
State: TN
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/XXXX, I contacted Equifax about the following negative accounts XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$4100.00} ), XXXX ( Date Opened XX/XX/XXXX, Balance : {$7400.00} ), XXXX  XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1100.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1200.00} ), XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} ), XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Credit Limit : {$750.00} XXXX, XXXX  XXXX ( XXXX, XX/XX/XXXX Credit Limit : {$500.00} ), XXXX  XXXX  ( XXXX, Date Opened : XX/XX/XXXX Balance : {$960.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: EQUIFAX, INC.
State: NC
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 XXXX Account # XXXX ), ( XXXX/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 2020-10-04
Company: URS Holding, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Alltran sent me a debt collection notice yet I do not owe the debt. I have asked them to provide both verification and validation ( attached letter ) and not response has been received which leads me to believe that they do not have any supporting documentation in the form of a original agreement.

Company response to consumer: Closed with explanation