BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-27
Company: Experian Information Solutions Inc.
State: NC
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:
During the XXXX XXXXXXXX XXXX I made arrangements with the below accounts to make partial payments. I made partial payments and they still reported the accounts late which according to the XXXX - XXXX XXXX. XXXX ( F ) if accommodations were made between the covered period, the account is to be reported as current. 

XXXXXXXX XXXX XXXX XXXXXXXX Showing XXXX late payments which I actually made partial payments. 
XXXX XXXXXXXX XXXX XXXXXXXX. XXXX Showing XXXX late payments which I actually made partial payments. 


AlsoXXXX XXXX Account XXXX is reporting a debt that I do not owe. I have never been transported by the XXXX company they are collecting for. I sent them a certified letter asking for verification and received no response. See the attached letter.

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 2023-04-10
Company: Experian Information Solutions Inc.
State: MD
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:
In XX/XX/2023 an account with XXXX appeared on my credit report with Experian showing a balance from XX/XX/2023. This account was paid off the same month it was reported however there has been no update to the information. Reached out to Experian on 3 separate occasions providing supporting documentation of the balance reflecting {$0.00} and the dates the account was paid off. Experian keeps reporting there is no change in the account as the merchant stated the information is current which is incorrect. The documentation provided shows the account was paid off and the account has not been updated in two months.

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 2022-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
During the Covid 19 Pandemic, I made arrangements with the below accounts to make partial payments. I made partial payments and they still reported the accounts late which according to the 623 - 15 U.S.C. 1681s-2 ( F ) if accommodations were made between the covered period, the account is to be reported as current. 

XXXX Account XXXX. XXXX Showing XXXX late payments which I actually made partial payments. 
XXXX XXXX Account XXXX. XXXX Showing XXXX late payments which I actually made partial payments. 


Also, XXXX  Account XXXX is reporting a debt that I do not owe. I have never been transported by the EMS company they are collecting for. I sent them a certified letter asking for verification and received no response. See the attached letter.

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 2022-03-14
Company: Experian Information Solutions Inc.
State: GA
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:
To Whom It May Concern : I reviewed a copy of my credit report and [ XXXX XXXX XXXX ] ran an unauthorized credit inquiry on me on [ XX/XX/XXXX ]. 
XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604One XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX as well as a violation of my rights to privacy. Please contact [ company ] and investigate such occurrence. 
I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly.

If you have any questions or need additional information, please contact me at address listed below. 
Thank you. 
Sincerely,

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 2018-04-11
Company: CITIBANK, N.A.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
This is our 2nd complaint on this file with CFPB. The initial complaint was not resolved, however it was closed out by CitiMortgage. Our current complaint is that CitiMortgage countered the buyer on our short sale on XX/XX/XXXX. Our buyer agreed to the counter offer on XX/XX/XXXX and we submitted the necessary documentation to CitiMortgage at that time. I then had to send numerous follow-ups to get a confirmation of receipt. After my 3rd request placed on XX/XX/XXXX our negotiator confirmed receipt and indicated she would work our file that day. On XX/XX/XXXX the negotiator indicated she was waiting on an internal document that pertained to the value to proceed and that it should be back " in about a week ''. On XX/XX/XXXX I was contacted by XXXX XXXX advising me she is the new contact on my file. On XX/XX/XXXXI hadn't received an update and asked for a status. I inquired how CitiMortgage could counter the buyer 's offer if they were waiting on an internal document that pertained to the value. My e-mail was rejected and it was then that I learned the file had been assigned to a new negotiator XXXX. I messaged him inquiring the same and although he responded it still doesn't make sense that a form pertaining to the value that is important enough to delay our file isn't on hand - yet they can counter the buyer 's offer. He indicated that the form that the previous negotiator ordered doesn't apply to our area of the country so he would order something else. I sent a follow-up on XX/XX/XXXX and was advised that there is no timeframe in which the document he has since requested will be provided. As of today our file still hasn't been approved - we are nearing 30 days from when the buyer accepted the counter offer.

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 2023-11-13
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
To Whom It May Concern, I hope this letter finds you well. I am writing to bring to your attention a VERY serious issue that I have been facing with the www.coinbase.com. In this year of XXXX ( please see attached as evidences ), I wired transferred money of {$25000.00} from my personal bank XXXX XXXX XXXX  to www.coinbase.com with the help of the scammer. I transferred my virtual money from www.coinbase.com to XXXX to invest which is a SCAMMING PLATFORM operating in the United States of America. But when I was about to withdraw all my money with profit this XXXX of 2023, I had been asked by the investment web site to pay about {$200000.00} some sort of fees which I do not have at all before I can get them back. I got a feeling that I got scammed big time! Then, I contacted the SEC telling me thru email ( please see attached proof ) that the www.doexoll.com was not legally operated in the United States of America. Unfortunately, this resulted in a significant financial loss for me! The www.coinbase.com here in America did not protect the Americans with this scam web site and allowed or lured American residents like me to transfer money and invest to the illegal web site. The www.coinbase.com MUST NOT ALLOW to engage with the the illegal web site at all that will lure Americans to put their money to. This is TOTALLY UNACCEPTABLE! I demand the www.coinbase.com to INVESTIGATE and take this case very seriously. If not, I will reach out with the local media and cable news for them to do a live investigation about this!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Experian Information Solutions Inc.
State: CA
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:
DID NOT AUTHORIZE THIS INQUIRY ON XXXX XXXX -- XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXXXXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

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 2018-05-18
Company: Alliance One, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Was contacted by Alliance One on XX/XX/18 and was told I owe XXXX $XXXX. Subsequently I received an email from XXXX confirming a payment of $XXXX. Alliance misrepresented the amount owed and collected on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Specialized Loan Servicing Holdings LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made my very first payment and set up the payment along with auto pay on XX/XX/XXXX. I finished setting everything up online and questioned whether I did everything correctly or not. After I completed everything I called the company to ensure that I had set everything up correctly. I spoke to an agent named, XXXX. He looked and said everything looked good as far as my payment and the amount I wanted to pay. The amount was supposed to be {$1500.00}. The next day a grand total of {$4700.00} was drafted from my account! I immediately called back to see what could be done to correct this issue. I was promised a refund minus what I owed ( {$1500.00} ). I explained that I needed my funds as soon as possible due to the need to pay other bills! They stated that there is no way to expedite my refund and that any costs I incur as a result of this issue would be mine to bear. They also processed my refund incorrectly and only intended to refund me in the amount {$1500.00} despite being charged {$3100.00} over what I intended to pay ( {$1500.00} ). Today, I spoke to a XXXX who was not only rude, but refused me his XXXX. The response I was given was unacceptable! They said that they did not care that I was filing this complaint or about any other measures I would take for resolving this matter.

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 2019-04-03
Company: BARCLAYS BANK DELAWARE
State: TX
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:
To whom it concerns : Ref : Account # XXXX have a major concern because I paid off my acct on XX/XX/2019 I then called to close my account on XX/XX/2019. Barclays rep then told me that my account was at a zero balance and closed. as of XX/XX/2019 i never received anymore statements until the day i called on XX/XX/19 LATER the credit agencies alerted me that i was past due 60 days. i then called and i was told that an investigation would be formed in order to see if Barclay rep mislead me, i was glad that someone was going to look into this huge mistake in order to fix my credit bureau that has taken XXXX decades to perfect. I called again to make sure that this investigation would indeed occur then received a call from Supervisor ( # LASEM ) she had me on the phone for over an hour informing me that no investigation would occur and that i had to right this letter. ( # LASEM ) offered no help with my situation appears that this was done in spite of me paying my account. i have been a great customer to barclays and i sincerely beleive that this is a violation of .The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer 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 2022-08-15
Company: Experian Information Solutions Inc.
State: AR
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 would like to state that XXXX, Experian, and XXXX is in violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave XXXX, Experian, or XXXX written consent to report anything on my consumer report. No consent is identity theft. I would like to state pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing XXXX, Experian, and XXXX these inaccuracies to be furnished on my consumer report, it may cause me to lose confidence in the banking system. If XXXX, Experian, or XXXX wants to continue to do business with me, they should delete these inaccuracies off my consumer 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 explanation
Consumer complaint received 2022-04-06
Company: EQUIFAX, INC.
State: MS
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:
n accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: JPMORGAN CHASE & CO.
State: KY
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:
I called to find out why I have not received my new card after expiration date. 

I was told my account was closed for 12 consecutive months of inactivity. 

I told them I just charged a total of {$970.00} for the months of XXXX and XXXX and the card is now paid off. 

Card I have was valid through XX/XX/2018. 

They said it is an auto generated account closing process and they will do nothing other than tell me to re-apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I consolidated my loans with Fed Loan Servicing back in 2012. The way they handled payments while my loan is in deferment is deceptive and unfair. I made a large principal payment to my loan and specifically requested the payment go to my unsubsidized loan, as I am in deferment and my subsidized loan is not accruing interest. Instead of Fed Loan honoring my request, they ignored it. I made the payment on XX/XX/XXXX. I emailed and called, and after much persistence they finally reapplied my payment on XX/XX/XXXX. Since I am knowledgeable about how loans work and how accrued interest is charged, I understand how deceptive this company is. Many others who have student loans do not know this nuances, and Fed Loan Servicing goes out of its way to scam unsuspecting college students. If a student is in deferment, all payments should go to the unsubsidized loan. They would have to refund consumers millions, so I know that no change will occur, and the CFPB will do nothing to help people who actually need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Repossession
Sub-issue: Deficiency balance after repossession

Complaint:
This a formal complaint that there is inaccurate and incomplete credit information. I am distressed that that the information included in my credit report profile, and have failed to maintain reasonable procedures the operations to assure, maximum possible accuracy in the credit reports that are published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore needs to be re-investigated. I respectfully request to provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from my credit report as soon as possible : Agency/XXXX XXXX XXXXXXXX The item listed is entirely inaccurate and incomplete, and as such represents a very serious error in the reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes. FCRA 15 USC 1681

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 2018-12-18
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XX/XX/2018 Letter to XXXX XXXX, XXXX XXXX XXXX - My client, XXXX XXXX, called me and told me to call XXXX XXXX at XXXX XXXX XXXX x XXXX. My client said Why is a Collection Agency calling you at my business? GOOD QUESTION! 

XXXX Do you know that calling my client is a violation of Collection Agency Ethics? Please give my Invoice to your boss and have him/her/they process it as soon as possible. 

In XX/XX/2018, I wrote to XXXX XXXX XXXX, Chairman and CEO, American Express Company and XXXX XXXX XXXX, CEO, Delta Airlines instructing them to cancel my Delta Sky Miles American Express account after 50 years as a customer. I never received a response. 

Account XXXX is a FRAUDULENT account. I never opened an account ending in XXXX. My recurring payment to XXXX was transferred to the FRAUDULENT account, which messed up my XXXX account and will cause XXXX to lose my business. My Credit Score has gone from XXXX to XXXX, all because of the FRAUDULENT activity of your client, AMERICAN EXPRESS. 

Enclosed find INVOICE XXXX XXXX XXXX, INVOICE XXXX Mr. XXXX XXXX XXXX and INVOICE XXXX XXXX XXXX XXXX. 

Thank you for your assistance in this matter, XXXX. I am sorry to see you caught in the middle. I am sure you want to treat me fairly. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
DELETE XXXX  XXXX in accordance with the Fair Credit Reporting act 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 XXXX XXXX I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I felt obligated because of the card sent in the mail which i didnt request but I still got it and then they wouldnt put it on credit protection during COVID because of a loss of job & loss of grandma.. I had to move because she died and then they closed their store!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting 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 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 2022-04-06
Company: ENOVA INTERNATIONAL, INC.
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
To Whom it may concern, I have tried to work with Net Credit and its customer service representatives over the phone, but I have not received acceptable results. In addition, I have read my contract, but the contract is not defined. For example, nothing in the agreement states interest rates or what percentage of my payments are going back to my principal balance because the contract hides the facts of the line of credit payment facts from consumers. 


Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation