BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-16
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I tried to talk to company and explain its not my debt in XXXX or XXXX when it appears on my XXXX XXXX  report. Even XXXX  XXXX  ( XXXX XXXX and XXXX ) disputed at that time. I am not Sure how it appear on XXXX  after I sign up for it month ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: DISCOVER BANK
State: CO
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:
I applied for a Discover It credit card in XXXX XXXX 2017. I was approved but for a very low credit limit of {$1000.00} a month ( the average credit limit for the Discover It card is {$3000.00} ). I have an Excellent credit score, long history of credit use and very little debt. I requested that my credit limit be increased. When I asked a manager why I was approved for such a low credit limit, they replied that they do not consider joint credit when determining credit limits. I explained that my credit cards are joint cards with my spouse because we are married and all of our accounts are joint. They replied that they would not consider any of those accounts or credit cards because they are jointly held because they do not know if I am just free-riding on my spouses credit. They said that I would need to build an individual credit history apart from my spouse. I explained that this discriminates against married couples. They replied that this was their company policy, and there is nothing that they can do to change it. In a country where the Supreme Court recently established that marriage is a right under XXXX, I was stunned that a company would discriminate against married couples and would force married couples to separate their finances in order to get credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I leased a XXXX XXXX 3 to 4 months ago from XXXX XXXX XXXX. I told them I needed my lease payment due date changed from the XX/XX/XXXX of the month to the end of the month they said no probllem just contact XXXX XXXX they will change it. I called them and requested it be changed they never did it. I called again following month told them to please change it they didnt, I called again a 3rd time and told them to change it and they said they would but didnt now they claim they cant change it due to some requirements I was never made aware of

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The credit card company has an obligation as Trustee of the account to file all of the IRS Tax forms related to the account in order to follow all of the XXXX -General Accounting Accepted Practices. I am asking for receipts of those filings. Also it has been established by an Act of Congress, abolishing debt peonage according to public laws attached to the documents below. PUBLIC LAW -Thirty Ninth Congress Sess II Ch 187, 188 1867 Pg. 546. March 2 1867, CHAP XXXVIL. 
This company contacted XXXX, XXXX XXXX a private citizen concerning a debt that was purchased from another company. There is no wet ink signature contract with this company. There are deceptive practices occuring.

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 2019-06-25
Company: Experian Information Solutions 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:
i obtained my credit report from experian and seen inaccurate information with companies i had no dealings with. upon my further investigation these companies claims i owe money to them for services i have no knowledge of. this company refuses to furnish me anything validating and verifying that this debts belongs to me. experian fails to provide me with proof of their investigation methods according to the facta and fdcpa laws this is hurting my credit rating and my livelihood and ability to provide for me and my family. my XXXX kids and myself.

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 2020-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I initiated an investigation with this company to dispute unknown and inaccurate items on my credit report. Until this day, XX/XX/2020, which is over 60 days later, I still have not received a response. This company feels that they can get away with ignoring me since they  think I have no recourse but I am writing to you ( CFPB ) to help me with this situation and ensure they are adhering to the law. Section 611 ( a ) of the FCRA, clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been MORE than 60 days these items should be deleted right away. I require these accounts be deleted immediately or I will file a lawsuit due to the damage this situation has caused. My information was also impacted by the XXXX data breach and may 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 explanation
Consumer complaint received 2019-08-06
Company: Coinbase, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear CFPB I am an XXXX XXXX from XXXX who came to the United States to achieve a XXXX  XXXX as my initial plan. Now I am XXXX fXXXX at XXXX University, MD. 

I made my first payment for Bitcoin at Coinbase on XX/XX/XXXX and then around 30 more payments until the last payment on XX/XX/XXXX. I also bought Ethereum and Litecoin. 

I have verified my account with Coinbase such as uploading my driver license, connect with my bank account at XXXX  XXXX XXXX. At this time, I can fully control my account like send, withdraw, sell to USD. 

Importantly, my strategy is that I am a holder who buys and stores for a very long time like 5 years later, so I do not trade, buy and sell frequently. I just buy and hold. I do not check my account frequently. 

Then when the price of Bitcoin goes uptrend from XXXX to around XXXX this year in XXXX, I go check my account and Coinbase block me from fully control it. I can not withdraw, send to my hard wallet, software wallet as well. Coinbase asks me to verify my account again with Social Security Number ( SSN ). However, at the first time when I buy Bitcoin on Coinbase, Coinbase does not require me to have SSN or ITIN. At this time, I still can transfer my cryptocurrencies and fully control my account. 

I am just an XXXX XXXX who does not work, I just XXXX in the U.S for XXXX. So that I dont allow to have SSN or ITIN because I do not have the income to pay for the tax. I just buy it and hold for a very long time. I also have proof of document for my ineligibility to have an SSN from SSN Administration. 

Now Coinbase blocks me from using my coins. I believe in Coinbase and happy to pay a fee every time I bought coins as a loyal customer. This is very not fair for me if all my cryptocurrency being blocked from using which is bought from my own money. 

In addition, Coinbase did not send me any warning to my email or phone number that they change the policy for international students or customer who does not have SSN or ITIN so I can withdraw before they change it. 

I only have a valid driver license, XXXX XXXX for XXXX  XXXX, XXXX University  student id card, valid XXXX, valid XXXX and bank account from XXXX  XXXX XXXX. 

Thank you CFPB admin for concerning my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: ERC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Last Reported XXXX XXXX, 2017 Collection Agency ERC Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XXXX XXXX, 2017 Closed Date -- Responsibility Individual Balance {$2000.00} High Balance {$2000.00} Remarks Placed for collection

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Closed account in 2008 never removed from credit history shows I have larger debt than I do. Fifth third bank XXXX balance shows current. Account closed Please help repair this I called fifth third 4 times and sent emails to XXXX XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
Company: CITIBANK, N.A.
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: Their investigation did not fix an error on your report

Complaint:
On the Citibank account it was closed by creditor in XX/XX/XXXX and the creditor was still reporting on time in XX/XX/XXXX then starting reporting late payments after that. This account should not have been still reporting anything after the account was closed by creditor. Some months it was reporting inaccurate and misleading information. On XXXX it was reporting 30 days late and on XXXX and XXXX on time in the same month of XXXX. Please have this account removed from all 3 of my credit reports as this account is falsely reporting inaccuracies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Sometimes an issues just don't fit neatly into the boxes.  My student loan company reported something in error which I disputed and it was removed.  My credit score dropped to 500+ during this time from the mid/upper 600.  The error was removed in early XX/XX/XXXXso I figured once the credit score was updated in XX/XX/XXXX it would correct itself. I just checked the score after the XX/XX/XXXX update and it only increased 3 points. Why am I continuing to be punished for the error of the report which was promptly disputed and removed?  Why haven't the credit bureas fixed my credit score?  There's not even a way that I can dispute the 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 2022-03-07
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: Information belongs to someone else

Complaint:
They're are these Hard Inquiries on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX EQUIFAX MORTGAGE SERVICES XXXX XXXX XXXX XXXX  XXXX XXXX These are all wrong , and I wasn't made aware of till now and it Is affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have paid down all my credit cards on XX/XX/XXXX and my credit card companies have sent an update to Transunion, XXXX, and XXXX   but they have still not posted the update to their reports - I have called each one and have asked them to update but they make me go through the process of doing a dispute rather than just publishing the new information. I need them to update it as I have to raise my score as much as possible to get a mortgage. I have even had the credit companies send letter to them - attached are copies of the letters

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 2018-09-18
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They called another phone line at my job asking for me on XX/XX/18 and I told the caller this was my workplace and to stop calling. Today, on XX/XX/18 the same caller called the other coworkers number asking for me. I work for XXXX XXXX and can not keep having them call my place of employment especially on a phone line that is not mine!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is my second complaint to the CFPB regarding Synchrony. The problem has not been resolved and continues. The first complaint was closed because it said the company responded. In actuality, the only response I got was that they were looking into it. No resolution. Here is the problem that continues : I have a Paypal issued credit card through Synchrony Bank. I have had the card longer than the 6 month trial period, so when I make a payment through their website, the user agreement states it will be applied within 2 business days. Synchrony does not apply my payments -- they state they are " large payments '' ( {$2000.00} ) and therefore subject to holds. This is not in the user agreement. The user agreement states the following for online payments : " Your Payment will be credited to your Card Account on the day when you make it, but may not be displayed on your Card Account for up to 48 hours. Subject to our receipt of funds from your payment, your available credit will be updated within two business days of the Payment Date. '' Every time I make a payment in the {$2000.00} range, they continue to hold that payment for what can be a week or more, not applying it to my balance. This is a business credit card, and I need my funds to run my business. I have to continuously call to get the funds released. They do not seem to have any right or permission to NOT apply these payments within 2 business days. I am requesting the CFPB contact Synchrony Bank to let them know they are breaking their user agreement and to stop putting holds on payments. Also, my credit limit is {$3500.00}, so making a {$2000.00} payment should not be suspicious or a large amount that has to be held. They are using my funds to for interest income. This is in their financial interests, not mine, and breaks their user agreement.

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 2019-05-12
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
In XX/XX/2019 a company named National Credit Systems from XXXX, GA contacted me in XXXX XXXX, TX by letter and email. They stated that I owe them XXXX dollars for the owner of XXXX XXXX in XXXX XXXX, TX. They have continued to gain these monies by sending threatening lawsuit letters to me and my relatives. I have asked them in XX/XX/2019 to send me verification of this debt and they have not or refused to. Being that this company is located in another state I do not know how to validate or dispute this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I called XXXX an explained that I was affected by XXXX as a flood victim and to please do a coutesy late removal for the XXXX XXXX late payment. The amount owed was {$7.00}. She stated there was nothing they could do for me and that the late fee would stay on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I called Discover card customer service about an old credit card debt from about 10 years ago. They referred me to XXXX XXXX XXXX and provided the phone number. I contacted XXXX XXXX XXXX and requested written information on the debt, including payoff. They requested that I fax a signed statement that I was not being represented by an attorney before they would speak to me. I complied. I called again and requested the written information about my debt. They said they would have it to me by the end of the week. They did not. I called again XXXX, they said they would have it to me by XXXX. They did not. I called again and was told they would have it to me by XXXX. They did not. I called again the following XXXX and could never get a person on the line. I called again XXXX and could not get a person on the line. I called Discover card. The Discover Card representative attempted to contact XXXX XXXX XXXX as well, and was unable to reach anyone after a very long hold. So, ultimately, after more than 2 weeks and a multitude of phone calls and requests, I still have no written statement of my debt. In the meantime, there is a lien on my home, and interest continues to build daily ( as I was informed ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
i obtained a copy of my credit report and seen erroneous information. so i proceeded to challenge the validity of the information. i have not received any information of investigations from the credit bureaus or the collection agencys reporting these debts. they are not abiding by the law and this kind of behavior is unacceptable. i can not obtain a job or take care of myself or my family because of the false and misleading information placed upon my credit report.

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 2020-09-25
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I purchased a phone from XXXX  and paid with paypal. I returned the phone and pay pal did not refund the money to me. They asked me " copy of the receipt that details my credit ''. I wrote to them and asked them what they mean because I don't have a credit, that is positive amount of money being deposited from my account. It does not exist because my credit was not given back to me, or my money was not refunded back to me. They just denied and closed my case. This is {$170.00} of my money. 

case XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
There are numerous accounts listed on my credit report along with inquiries that I did not authorize or initiate. This was a result of an error or malpractice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Have tried multiple times ( at least a dozen ) and on multiple days from XXXX XXXX - XXXX ( missed the XXXX since we were dealing w XXXX XXXX ) both by email and by phone to put a security freeze on my account with Equifax. Ive put in my personal information at least 10 times both online and on the phone system and after doing that either get no response, cut off or a message that says a security freeze can not be completed at this time. 

This is unacceptable when they have had a security breach. 


Mailing my social security number, copies of my identification and credit card number is NOT an acceptable solution as that is even less secure than Equifax 's system. Unbelievably this is what is suggested. Why would anyone do it that way?????

Company response to consumer: Closed with explanation