BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-15
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
my name is XXXX XXXX i am writing this myself on behalf of myself, any authorization or verification you say you need consider it given.. 

your company is in violation of 15 U.S. Code 1681a ( 2 ) Exclusions ( B ) and in violation of Under truth and lending 15 U.S. Code 1602 ( I ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

By that definition my social security card is a credit device existing for the purpose of obtaining money, property, labor, or services on credit.

And anything that extends from a credit card or similar device according to 15 U.S. Code 1681a ( 2 ) Exclusions ( B ) ; should be excluded from my credit report.

not only that, but since i am the original creditor according to 15 U.S. Code 1692a ( 4 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.

as the original creditor, only i can validate this debt. i do not validate this debt which puts this agency in violation of 15 U.S.C 1692g. since i wasnt notified of this in writing 5 days prior.

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 2019-09-28
Company: Phoenix Financial Services LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, The reason for my dispute is PHOENIX FINANCIAL SERVICES ( XXXX XXXX XXXX XXXX XXXX ) I would like to see proof of claim in writing ... under such section 623,  subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, PHOENIX FINANCIAL SERVICES failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of Pursuant of U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ), I am entitled to demand presentation of the negotiable instrument. That  demand is hereby ordered. I demand that you present for my visual inspection MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE and allonge in XXXX County. This is required to establish your right of enforcement as Holder in Due Course via a chain of assignment as evidenced by the Note or Allonge.  Claiming to be the the holder in due course as a statement is insufficient proof of status and is/will be rejected. A photocopy of the documents is insufficient proof as it does not answer the question of who CURRENTLY is the rightful and lawful holder in Due Course.PHOENIX FINANCIAL SERVICES is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where PHOENIX FINANCIAL SERVICES is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.PHOENIX FINANCIAL SERVICES has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I made a purchased from an independent seller who promotes their business using social media ; but uses the web handle of XXXX XXXX XXXX to sell their products. I made a purchase of two items, totaling to {$190.00} on the other XX/XX/XXXX day of XX/XX/2019. Previously on the website, production time was 11 days, so when i reached out to the company with my first attempt, on the XX/XX/XXXX asking for the status of order, I heard no response, but the selling was active on her social media accounts. I followed up a few days later to request cancellation of my order as it has yet to be sent out on the XX/XX/XXXX, and also have yet to hear a response. 
Following my application for a Merchant Dispute for this charge with TD bank, within the hour I was sent a confirmation that my order was shipped. However it has been 10 days, and the status of the shipment has yet to be updated ; the level was the only thing to be created.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 2023-09-15
Company: EQUIFAX, INC.
State: PA
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 LAST 4 of social : XXXX XXXX XX/XX/2023 Re : Account Number ( XXXX ) I accept no responsibility for ownership of this debt ; I recently viewed some inaccurate information reporting on this repossession account. Since your supposed to remove ANY account that doesn't have the exact information on all 3 credit bureaus. REVIEW this account immediately and REMOVE it from my credit report. Once a vehicle is sold at auction I no longer owe the original debt and the information you have on file is incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The true account type for this account is a Credit Sale Agreement. Please remove this account from my credit file immediately.Please remove this account from my credit file immediately. I look forward to resolving this matter quickly. Send me a new FREE updated credit report via mail within 30 days. you only have 30 days to respond or I will file a complaint! 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18
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: Information belongs to someone else

Complaint:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-12-21
Company: SLM CORPORATION
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Sallie Mae will not stop contacting me about my brother 's debt. I am not a cosigner on his debt or in any way connected to his debt, and my brother never listed me as a contact or provided them with my information at all. This is a brand new phone number so I don't know how they even got it, but they called me to ask that I give them my parents contact information, which they already have correctly on file. They are harassing me and I have no connection to this debt whatsoever. When they called they did not state that their request for my parents contact info was in regards to any sort of debt, and they are required by law to state that their contact is with the express purpose of collecting a debt and that any info received will be used for that purpose. 

They are also calling and harassing my uncle now, and he also has no connection to the debt and my brother never provided his contact information either. Their behavior is harassment and is in violation of my rights as well as that of my brother, uncle, and parents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: BANK OF THE WEST
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Received a pre-approval for a credit card from Bank of the West. Offer expieres XXXX. They are not able to find the pre-approval offer they extended to me and want me to apply. I simply want them to honor the terms of their 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 2023-07-28
Company: CITIBANK, N.A.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Unfortunately you ( Citibank ) havent answered my personal concern. You have an account with the XXXX XXXX XXXX dept, based in XXXX, XXXX, XXXX. They use your service to transfer cash to pay pensioners internationally their necessary pension incomes. You stopped my pension income for political reasons. Because I am resident in XXXX. My Pension dept say they cant pay me because Citibank refuses to pay XXXX  pensioners resident in XXXX. Do you want me and my family to starve, go in debt and as a result deported back to the XXXX away from my dependant family? 

What can you do to resolve this matter? I too am concerned about the loss of life in XXXX and XXXX due to a prolonged battle killing each other and the starvation of those people trying to make a living and prevented from doing so thanks to the decisions of a handful of individuals. that is not the fault of ordinary people in either country.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the XXXX you cause me. My information was impacted by the XXXX data breach and have got into the hands of the wrong person.

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 2019-11-14
Company: Experian Information Solutions Inc.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My FICO score dropped by 29 point and the credit bureau can not give me specific information as to why and will not let me know what calculations they used to determine my score. My score also dropped and keeps dropping with XXXX and XXXXI used the score simulator offered by experian and paid down my card, paid off my auto loan and a few of my creditors actually increased my credit limits but my score still dropped. The credit reporting agencies keep giving me the run around and can not explain or show any real proof as to why me score dropped. Please help me get " factual data '' as to why my score dropped when i am doing the right thing. I need someone to help us consumers whose lives are being ruined by these credit bureaus w/o any explanation. I disputed anything that was potentially incorrect or negative on my reports but " There is no option to dispute my actual credit score or changes to my credit score '' with any of the major credit bureaus. 
I believe the credit bureaus are intentionally lowering scores to " force '' individuals to take out consolidation loans or open new accounts thinking it will increase their credit while the credit bureaus are getting some form of kickbacks. I get emails/ alerts everyday to open new account or sign up for services such as experian Boost and believe I am being penalized for not taking the action they want.

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 2021-12-15
Company: ANI International, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This letter is a formal complaint against ANI International Inc. in regards to excessive and abusive phone calls. They have repeatedly violated my rights as well as the Fair Credit Reporting and the Fair Credit Billing Acts. Despite me telling the representative named XXXX XXXX who claims to be an attorney that this is a private number he insists that he will keep calling me. 

REASONS FOR COMPLAINT : I have never done business with ANI International Inc. 
I never gave out my personal phone number to be contacted by ANI International Inc. 
That being said, I feel as though I am being viciously attacked by this company and my consumer rights are being violated left and right. I'm well aware of other previous complaints against this company. So my question is, where does it stop? And does your commission have any plans to prevent unlawful business practices such as this from happening in the future? 


If there's anything I can send you to support my claim, please do not hesitate to let me know. Thank you in advance for your immediate attention to this very serious matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
after submitting complaint - i have noticed that i was given a XXXX monetary relief - that does not take care of all the other charges still leaving my account negative. this is not right .... overdraft charges of over XXXX and all i get is XXXX relief after banking with wells fargo for over 5 years - and i have tried to make arrangements with bank with no success. several phone calls - and emails and no success.

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 2022-01-14
Company: SYNCHRONY FINANCIAL
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:
A LETTER TO REMOVE ALL INACCURATE INQUIRIES FROM REPORTS WAS SENT TO XXXX, XXXX AND XXXX ON XX/XX/2021.

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 2020-02-11
Company: National Credit Adjusters, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This phone number continues to call me AT WORK from number XXXX about this debt. I've asked them to call me on my personal number, but they continue to call me at work. They are threatening and will not stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-21
Company: ROBINHOOD MARKETS INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I submit a market sell order on ROBINHOOD for XXXX XXXX coins on XX/XX/XXXX at XXXX and the order did not execute until XX/XX/XXXX at XXXX XXXX. One minute after I placed the order, I submitted a cancellation request for the sell order. I never received an email for the cancellation, nor for a confirmation of the original sell order. The cancellation never processed even though it went through on the Robinhood XXXX and my shares were sold at a significant loss. I emailed them and they said they would get back to me, this was on the XXXX. No reply since. I feel robbed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
The end-of-draw period on my XXXX was XXXX, 2021. Wells Fargo and I renegotiated the terms of our relationship resulting in an agreement, the details of which are included in the ALTERNATE PAYMENT OPTION MODIFICATION AGREEMENT which states the following : RLO Principal Amount : XXXX Term RLO Fixed XXXX XXXX Payment Type {$93000.00} 60 months 3.625 % Interest Only. 

Please note that the Payment Type is interest only. Wells Fargo has constantly tried to hit me with fees, charges, and other costs. This is merely the continuation of a years long pattern of illegal, fraudulent, and unwarranted charges and costs ; including, but not limited to, the imposition of unnecessary and fraudulent accounts and fees. This has continued through this entire process and continues now.

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 2023-07-28
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Im in a XXXX  country with one new Citicredit card ( which I wont do again ). I hit my limit which is unusually low from my experience. Citibank advised that I make a payment early using their pay by phone system. I immediately paid early in FULL as they advised. 
Citibank placed a hold on my payment for 7 days due to the large amount and because I paid by phone. The funds have been withdrawn directly from my checking account and I have no access to my credit line. 
I asked them to increase my credit limit, which they declined because I had reached my limit. Which comes first the chicken or the egg? 

I have an XXXX credit score. 
I have no debt, except for this credit card. My homes are paid off. I have a 1 % credit utilization as reported by XXXX. 

I am stuck in a XXXX  country with no access to credit.

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 2021-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
My card number ending in XXXX I signed up with capitol one in XXXX of 2020 because XXXX sent me a letter in the mail promising me a {$150.00} bonus, if I applied for a credit card with them. I had to spend {$500.00} or more in purchases in the first three months. I had asked for an extension because I am taking care of my XXXX XXXX XXXX XXXX  with XXXX XXXX, he is mainly XXXX XXXX XXXX XXXX  had also got this same offer for a {$150.00} dollar bonus and he asked for an extension to get his bonus of {$150.00} as well and he was granted his extension until XX/XX/2020 but I was not. I have made the {$500.00} dollars in purchases just shortly after the 3 month period had ran out. I contacted capitol one regarding this matter but they failed to comply to my matter and they would not grant me this extension and ripped me out of my {$150.00}. I am also XXXX so it takes me longer than others to get things done. I asking as an accommodation for my XXXX under the ADA laws to accept the fact that I spent {$500.00} just shortly after the deadline. I would like capitol one to give me my bonus of {$150.00} dollars. I have proof by statements that I had spent the {$500.00} dollars.

Company response to consumer: Closed with explanation