BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-12
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Outrageous service fees for recent financial records. {$5.00} for each statement for a total of more than {$180.00}. I need financial records for my father 's rep payee account and trust account. I supervised both accounts while he had XXXX XXXX. After he died Golden 1 automatically terminated both accounts before I could download the full records. I went into the local Golden 1 office. They printed only the most very recent financial records for me. When I requested all the financial documents going back to mid 2016 they told me they will charge me {$5.00} for each and every month! It is Outrageous that they turn simple access to relatively recent financial records into a gross profit making scheme. {$5.00} for the first month is one thing, but {$5.00} for each and every month is just plain thievery. These people are crooks. A {$180.00} for me is a big deal because I am XXXX and living on a fixed income.

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 2018-02-07
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have credit inquiries on my credit report from XXXX dated XXXX XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX that I did not authorize.

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 2022-08-10
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX INFORMATION SERVICES LLC XXXX : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX Re : Consumer direct dispute of inaccurate/incomplete item of information in consumer file To EQUIFAX INFORMATION SERVICES LLC, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My Social Security # is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My DOB iXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The item of information below that you report is inaccurate and I request that it be deleted : Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses. Please delete these outdated addresses and update with the one above. 

My only Phone number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My only Email : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all Information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Given the nature of all the inaccurate item of information, it is clear this may be a mixed file scenario. 

Mail me a copy of the complete consumer file that you have on me after you act on this dispute. 

If verified, I request a description of the procedure used to determine the accuracy or completeness. 

I have enclosed a copy of my [ Drivers license and a utility bill as proof of my identify and mailing address. 

Be advised, the above and enclosed are sufficient information for you to legally act on my dispute. Any delay tactics or needless requests for information will not avoid your legal obligations to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Continuous willful violation of my consumer rights. Failed to present original creditor.

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 2018-02-02
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Coinbase took {$2500.00} deposit that was made to purchase electronic currency. After they cleared the withdrawal from my bank they locked my account and have kept the funds. It has been over 6 months and they have not given me my {$2500.00} usd or the equivalent in electronic currency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: CITIBANK, N.A.
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
on XX/XX/XXXX18 too my dog to be treated for XXXX dr did XXXX XXXX on him and said he found nothing wrong with him. So I took my dog to a other vet clinic and that dr prescribed him XXXX I disputed with Citi bank two times and last dispute they told me if I got a letter signed by his last vet dr who took care of my dog he put him in XXXX. They told me if I send them letter signed by his last dr they would give me credit and they lied. I still have the charge in my account and that is why I contacted cfpb I hope you understand my situation and please help me I feel is not fair to pay XXXX when that dr didnt even take care of my dog all he did is test and said theres nothing wrong with him. so why did last d prescribed him with XXXX if there was nothing wrong with him. This the reason of my dispute I refuse to pay this merchant for his bad incompetence services. and he also send me a letter stating to never put foo in his clinic I feel that is like a threat and very unprofessinal. Thank you hope you understand 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 2019-07-12
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have a American Express Bluebird prepaid card for a couple years now. I use it ifor everything I recently I been on vacation this last week and two days before I was headed home I try to use my card and it got declined so I called the company right away and they told me that somebody was able to get on to my account to change my information and get a new card sent to different address. I've been on the phone with the company for 3 days and I told them that all my money that I had went on to that card it was {$1500.00} I told them that I I was stranded thousands of miles away from my house that I need to get home I rented a car it was on that card my rent my way to get home everything they told me I'd have to wait till the XXXX to get it done I don't understand it's my money I need it right now didn't make a purchase or order a new card I thought they had the protection against that but I guess not I'm down in out an have tried everything and am getting no where with American Express. I have no other money I'm stranded with my son. There's got to be something that could be done??

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: MO
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 applied for a car and I received hard inquiries from other places. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have paid a good portion of my loans down and asked repeatedly for a change in the amount due as my income has dipped a bit. They have been unreasonable and are harassing me constantly, even when I still make the very high payments. If I try to pay a little less, my entire family receives phone calls asking for my whereabouts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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:
so I logged in to Capital one website on XX/XX/XXXX the due date on my account I made the payment on Monday for some reason It did not go through all the way so I got a late fee. I called customer service to tell them what happened and none of them would waive my late fee for me I have sent emails to Mr XXXX and a bunch of excecutives and have heard absutoley nothing I even tried to call the contract I had in the corp offices from last time and he docent work there anymore. This is not the `1st time I had a problem with there website. I have talked to a manager named XXXX who's employee number is XXXX XXXX who does not think my late fee issue is warranted to send into customer relations and she won't help me and docent think my issue is important enough to send the coreperate office at all she is very rude and act she was god and I could not talk to anyone above her and she made me really upset.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-15
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: Was not notified of investigation status or results

Complaint:
On XX/XX/18 I sent a notarized written request through certified mail for an unverified account that was showing on my credit report with XXXX XXXX through Transunion XXXX. In this request I asked that they either send me ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA -or- to promptly delete all information which can not be verified> I was sent a response dated XX/XX/18 saying VERIFIED AS ACCURATE. ON XX/XX/18 I sent another request and this time asking who verified it? On XX/XX/18 I received the same response ( VERIFIED AS ACCURATE ) ON XX/XX/18 I sent a NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 provided that they are unable to verify the account or promptly remove it to XXXX  XXXX and yet again received a VERIFIED AS ACCURATE letter again on XX/XX/18. On XX/XX/18 I sent a certified letter directly to XXXX XXXX asking that they validate money I allegedly owed, how said debt was calculated, copies of any paperwork that showed I agreed to pay debt, provide a verification or copy of judgement if applicable, Identify original creditor, prove statute of limitations has not expired, etc ... I never received anything back from them. On XX/XX/18 I sent out another letter to XXXX XXXX stating that I had given them 30 days to resolve this matter and would extend for another 15 days otherwise I was filing suit against them for monetary damages. I sent a letter to XXXX XXXXXXXX stating that because this was a clear case of unverified debt that I would also file suit and report 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 2019-07-12
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
This is a student loan that my wife took from XXXX while attending college in XX/XX/XXXX. When we got divorced in XX/XX/XXXX the divorce decree states that she is solely responsible for any and all student line debt. She has since filed bankruptcy and XXXX tells me, when I call them, that she included this loan in her bankruptcy. It shows as a charge off on my credit report so it needs to be removed.

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 2021-08-17
Company: CITIBANK, N.A.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My account was referred for closure because a check I deposited on the mobile app was deemed fraudulent, Citibank realized they made a mistake and contacted me apologizing and restored access back to my account and rescinded it. When they referred it for closure they placed all my funds in a subledger and its now been almost a month since they did this. Ive contacted them many times and they keep telling me they are adding the funds back to my account in 24-48 hrs and never do. I need my money back because I have bills to pay. They arent being helpful at all and are just holding my money from me from their mistake

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$5700.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 


-- OTHER ACCOUNT 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2018-02-02
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Good Evening, my issue is with XXXX XXXX XXXX XXXX XXXX Ive gotten several letters from the company stating that they need to hear from me or they will pursue legal action. After doing some research i noticed on their website it states that they actively seek XXXX XXXX military members and will seize all collections towards them. Ive contacted that company multiple times and always get directed to a number that always goes to email. They always tell me to just leave a message and they will return my call. This issue has been recently come up in a background check for my security clearance but i get no response from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: Commonwealth Financial Systems, Inc.
State: GA
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 began disputing the Commonwealth Financial entry on that is reflected on my credit report in XX/XX/. I retrieved a copy of my credit report on XX/XX/XXXX and noticed that they had placed an entry on my reports that was inaccurate, unverifiable and erroneous. The bureaus responded by stating the account was verified. To that end, I submitted a letter to Commonwealth as recent as XX/XX/XXXX. This letter was sent certified with a return receipt. To date, I have not received any correspondence from this company. 

This baffles me as to how the credit bureaus were able to verify the information yet the company has not responded to my request? Further, Commonwealth placed this entry on my report without sending me a dunning letter informing me that they were attempting to collect a debt. Hence, did not allow me the opportunity to dispute the validity of their claim. Further violating my consumer rights. Too, I have never did any business with this company, never heard of them, nor have I signed any contracts with them. 

DELETE THIS ERRONEOUS, UNVERIFIABLE, INACCURATE ENTRY FROM MY CREDIT REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Duvera Billing Services, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
In need of a transmission repair for my pick up I went to the local Transmission shop and could not afford transmission salesman referred me to try to get this loan through XXXX XXXXXXXX  or duvera billing. After making payments for almost 18 months after at what the company told me would have me paid off at 24 months I checked the principal balance and it was more than the initial loan amount. Then after calling someone I was informed there was 133 % interest compounded daily essentially making it impossible to ever pay the loan off if you dont have XXXX in hand. This company is taking advantages of mid to lower class individuals. Second too this scam but no lesser evil XXXX XXXX XXXX XXXXXXXX XXXX did the repair on the transmission with a limited warranty of 18 months within less then 6 the seals blew on my way to work with all my tools in truck leaving me stuck in the rain having to rent a vehicle to fulfill contracts that were scheduled and had to pay for the tow as well and any hard parts according to them. To this day that transmission has not been right and they know it not to mention cutting exhaust hangers and leaving them in welded back. These people should be disgraced.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: Kriya Capital, LLC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I got a bundle with XXXX XXXX XXXX as of today 's date they never gave me my military discount nor any discount for having multiple services as they advised they were going to do when I signed up I gave them a copy of military id card and advised them on numerous occasions that I did not get the discount for having cell phone home phone internet I am still waiting on the correction to my bill. XXXX XXXX XXXX advised they were working on it but after several months not one discount had appeared on the bill as agreed when I got the services.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: Big Picture Loans, LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
In XX/XX/2018 I opened a loan for {$720.00} online. It wasn't until I started receiving emails with the next payment due date that I noticed the principal never went down. I waited to look into it because I assumed it was an interest before principal issues and thought it would begin to show a change after a few payments. I tried to call and speak to someone and they can never seem to hear me or just hang up. I have since sent an email and the response is automated and states they will get in touch with me in the order that it was received. I haven't missed a payment but after looking at loan agreement I see that I am paying 698 % interest. Is this legal? I have already paid the original XXXX $ back almost 3 times now. By the end of the loan, I will have paid well over 3000 . Is there anything I can do since I signed the electronic document?

Company response to consumer: Closed with explanation