BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-25
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
EQUIFAX is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( XXXX ) prospectus, ( c ) Federal Reserve form FR XXXX balance sheet ( s ), ( d ) Federal Reserve form FR XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from EQUIFAX in accordance with XXXX in accordance with basel XXXX accord and XXXX conventions. I also asked them to present these documents from the following vendors/creditors : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX and they have failed to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25
Company: The CMI Group, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTENTION ( CREDIT MANAGEMENT XXXX XXXX ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$280.00} does not belong to me. This account was fraudulently opened through this company ( CREDIT MANAGEMENT XXXX XXXX ) in XXXX of 2020 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN OR ACCOUNT ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My application for a credit card was rejected because my " identity can't be verified '' by Experian. I went online to check my Experian report and they said the same. I'm OK with XXXX and XXXX, but can't get Experian to even recognize who I am, meanwhile, the credit card application is in limbo. I tried to resolve this online and by phone with no good results. 

I'm a little concerned that I might have been hacked or have some unknown breach that prevents Experian from recognizing me. 

HELP!

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 2018-03-09
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I had to send euros to a specific bank account to verify an account, this was so I could withdraw my money from the Coinbase account.

Its now been over two weeks with little to no response from them and the account is verified. They state it will take one or two business days. Its been 14 and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I called multiple times today and in the past in reference to synchrony Bank with the CareCredit account card. They miss apply payments whenever there are standard charges they apply them to the promotional balance instead of the standard charges and then charge you interest. They refuse to reverse the interest charges. No other credit card company does this. They day you have to specifically call to get the payments applied to the standard purchases in order to avoid interest.

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 2016-12-19
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I want to file a complaint against Seterus Inc. XXXX was suppose to take the check that I sent in for my Escrow Account for {$500.00} back in XX/XX/XXXX, which they applied as a partial payment, though I sent in my normal payment for XXXX, XXXX, and XXXX of XXXX. Since they were not willing to apply to my escrow account, nor return the money to me, we discussed that this partial payment would be reversed and applied to my principal balance, which I agreed to. Then I get a letter from her responding to me that no, they did not do as we discussed, instead she took the payment I had sent in for my XX/XX/XXXX payment and reversed it instead. Then she went on to reverse all of my payments for XXXX, which should not have been affected and then put my account in Suspense. I have been denied refinancing of my loan with another bank as Seterus Inc has reported to the Credit Reporting Companies that I have been 180 day delinquent on my loan. I have never been late, nor missed a payment and now I have been denied refinancing because they have falsely reported to the credit bureau 's regarding that I 'm delinquent. I have my canceled checks to prove this. This is ruining my lively hood and my credit worthiness. I would like to know how can they continue to get away with running people lives like this? How do I get this corrected? Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
Hello, I successfully filed for chapter XXXX bankruptcy on XX/XX/2020. I did It is now XX/XX/XXXX and I am still receiving derogatory remarks on my credit report from credit companies stating that " You have one or more accounts showing missed payments or derogatory indicators. '' and " You have a serious delinquency or derogatory indicator. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Experian Information Solutions Inc.
State: MD
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personally-identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personally-identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2021-01-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Hello Equifax : I was lucky to get a copy of my and XXXX XXXX credit reports through a mail request. Equifax has never mailed out to me a credit report. I am respectfully requesting my Equifax credit report, even if I need to pay for one. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
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: Investigation took more than 30 days

Complaint:
I have mailed, faxed, uploaded, and called all three Bureaus. XXXX said I wasnt me and they refused to investigate! 

This letter shall serve as formal notice of my intent to file a complaint with the CFPB, due to your blatant and objectionable disregard of the law.As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute as well as my follow-up letter. To date you have not done your duty as mandated by law. Your Non-Compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.

Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), you may be liable for your willful noncompliance.

For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago :

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 2021-11-25
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 status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XXXX XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account. Kindly remove it on my account. 
XXXX  XXXX Date opened XX/XX/XXXX Balance : - Late Close XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance - Late Close XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance - Late Close XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance - Late Close XXXX XXXX XXXX ( XXXX ENABLER ) XXXX Date opened XX/XX/XXXX Balance : {$380.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
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: Account status incorrect

Complaint:
XXXX XXXX I had notice a collection from XXXX XXXX and XXXX XXXX was removed from my credit file. My credit score had increased thats why I noticed. Also the credit files of other people on that account had noticed as well that it was removed. 
Beginning of XXXX I had noticed it was reinserted without notifying me within the 5 day period of the collection being reinserted. I had tried to dispute it on my XXXX XXXX file I wasnt able to write why it needed to be deleted from the credit file. So this leads me to make a complaint out. I would like the collection deleted off the credit file due to them not following proper protocol. 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 2021-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
I set up the paper bill from BOFA 's app, but never receive any paper bill from bank of america. because of no receiving paper statement, I miss one payment in XX/XX/2020. Bofa 's app has a bug, even you have set up the bill statement to be mail, you will not receive any bill statement. I contacted Bofa, and they told me they have no error, and never investigate their application. by the way, bofa cancel my credit card even if my credit card has {$0.00} balance in this difficult pandemic time.

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 2016-04-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XX/XX/XXXX I purchased a truck ( joint account ) from XXXX XXXX now XXXX. I purchased this vehicle for someone so it was never my primary truck. he never made good on it so the payments was always late. as far I can know, there has n't been any activity on this acct since XX/XX/XXXX. I 've ask both the CB and XXXX to provide me with a payment history so that we can correct and update the DOFD ( date of first delinquency ) to determine when the negative reporting would be removed. that date keeps changing, first it as XX/XX/XXXX, now its XX/XX/XXXX. XXXX reported that I made a payment on XX/XX/XXXX. I asked them to verify that payment, because they could n't they removed it but added other dates to assumed that I had activity on this account. XX/XX/XXXX they sold the acct to XXXX and they reported before I ever received mail of who they was. they are also reporting with the same info as XXXX as if this is a new account. im making a complaint to because I believe they are Re-aging my account to continue making negative reporting. as of today the DOFD ( date of first delinquency ) is XX/XX/XXXX which on the statement I provided to them is there maturity date. also they added a major delinquency date as of XX/XX/XXXX. not sure what that is but all this negative reporting has caused my report to look like I 've opened up a new acct and decreased my credit score again.. I would like for them to correct those dates and any points that have been removed be added back. I have worked hard to rebuild my credit In other areas and this has affected it again. I know that re-aging is illegal. the PDF file is the CB investigation and a statement from Santander of the late payments and the XX/XX/XXXX is there maturity date and not the DOFD ( date of first delinquency )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
I have my credit frozen with XXXX and Equifax. I havesubmitted all information they have requested to unfreeze mycredit per their website. I have lost my XXXX digit pin numberthey require which is why I have to send everything in themail they request as proof of identity. I receive nothing backsaying why they have not unfroze my credit and thereforeI ca n't get a loan currently. You ca n't talk to anyone on thephone because they just direct you to the website with theinstructions to follow to send everthing snail mail to get itunfroze. Help on this matter would be greatly appreciated as Ido n't know what else to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: EQUIFAX, INC.
State: VA
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:
I set up the paper bill from XXXX 's app, but never receive any paper bill from XXXX  XXXX XXXX. because of no receiving paper statement, I miss one payment in XX/XX/2020. XXXX 's app has a bug, even you have set up the bill statement to be mail, you will not receive any bill statement. I contacted XXXX, and they told me they have no error, and never investigate their application. by the way, XXXX cancel my credit card even if my credit card has {$0.00} balance in this difficult pandemic time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
I have a problem with my " CLUE '' report from LexisNexis. LexisNexis was reporting wrong information, I disputed it with LexisNexis and XXXX, but could not talk to XXXX as I was not a policy holder and nobody would return my calls. My disputes started on XX/XX/2020 when I sent my dispute to both LexisNexis & XXXX. After disputing information that was missing on claims, XXXX changed the details of the claims to wrong information. For instance : Many claims had no birthday, drivers license, or other identifying information. After my XXXX dispute, XXXX filled in the information with wrong info, info that wasn't mine and continues to 'verify ' it, even though it is not accurate. 

I sent another letter to LexisNexis on XX/XX/2020 telling them still, that my file must have been confused with someone else 's, and the information is wrong. They have never replied. I also asked for a copy of my consumer report on the same day, which was never sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have spoken to Equifax numerous times in regards to 3 Hard inquiries conducted by " Equifax Mortgage '' on numerous dates. I have spoken to numerous representatives and faxed a letter from Equifax Mortgage ( see attached ) and they state will look into and remove but still has not removed the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I am trying to refinance my home. 
Equifax will not provide restore. 
Because XXXX has lost/stolenWhich is their policy. I took daughter of card. 
Equifax wants it removed or explained! Bank says there isNo need because it does effect my score. 
HELP. Yesterday Equifax said I had a dispute against XXXX. XXXXThere was none. The other reporting agencies did not show. 
If I lose financing Who will help me for Equifax nonsenseRequests?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: Santander Consumer USA Holdings Inc.
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My used vehicle loan is with Santander Consumer USA. I noticed that even though I have been making payments towards my loan, the balance never seemed to decrease. I will admit that the interest is pretty high due to my credit score and they did provide me with payment assistance in the past however, upon a review of my transaction history not XXXX XXXX has been applied towards my principal balance since XX/XX/XXXX. Surely this is an unethical practice of business. If my calculations are correct, I've paid roughly {$8600.00} since XX/XX/XXXX and not XXXX cent has gone towards the principal balance. I contacted Santander on XX/XX/XXXX requesting an audit of my account. I was advised today that they emailed me my transaction history, which I had already obtained through their online account portal. So their response was useless. This company has a record of taking advantage of their customers and illegal business practices. They prey on the vulnerable. Your assistance and investigation into this matter is very much appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I reached out to the bureaus months ago in regards to improper reporting on my credit profile. I still have not received any results or paperwork in regards to the dispute.

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