BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-02
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Id like to draw public attention to the underhand banking practice by Citibank regarding their Citi Flex Loan Offer. For the past 6 years I have been with this bank as a credit card holder, currently carrying a line of credit for XXXX. I use this card for everyday purchases which is paid in full when due ( sometimes earlier ). They kept bombarding me with a Citi Flex loan offer where they would convert a portion of the line of credit at a fixed APR with a fixed monthly payment. A family member had $ XXXX XXXX  XXXX 14.99 % so on XX/XX/XXXX I accepted this offer for $ XXXX 8.99 % to help her since she lost her job during the pandemic. 

Based on follow-up phone calls, I understood that the remaining line of credit ( XXXX ) was available for use in the usual manner but at prevailing APR ( 19.99 % ) on unpaid balances that exist after due date. That was a non- issue since my balance is always paid in full. 

Everything seemed to be flowing well until my XX/XX/XXXX statement revealed more interest accrual than expected and upon closer examination I discovered that Citi was applying my payments for everyday purchases to my flex loan with the lower APR of 8.99 % advancing this loan to pay-off at lightening speed. Essentially, they created an opportunity to charge me interest at 19.99 % which is a direct contradiction to their terms and agreement as highlighted below : " We apply any amount you pay above your Minimum Payment Due first to the balance with the highest APR, then to the balance with the next highest APR, and so on. As a result, if the APR for a Citi Flex Plan balance is higher than the APR of other balances on your Account, we will apply the amount above the Minimum Payment Due first to that Citi Flex Plan balance, and then, after that Citi Flex Plan balance has been paid in full, to the other balances. This will cause you to pay off that Citi Flex Plan balance before the end of its repayment period and may result in an amount remaining due on your next billing statement for the other balance, increasing your Adjusted New Balance on your next billing statement. '' I called them out on this egregious practice and interest on standard purchase of {$47.00} for that billing cycle was reversed ; however, the account still shows a balance for standard purchases so this continues to accrue at 19.99 %, much to their advantage. To date Im charged almost {$100.00} more in interest than I agreed to. I have called at least 6 times, also mailed and faxed letter asking them to fix this ( mailed on XX/XX/XXXX and subsequently faxed on XX/XX/XXXX ) ; to no avail not even the courtesy of a response. This is criminal behavior and must be exposed.

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 2021-11-10
Company: EQUIFAX, 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 status incorrect

Complaint:
I finance a XXXX XXXX XXXX with XXXX as the finance company. I had the vehicle for almost 2 years and never had a missed payment. My suv was recently totaled loss on XX/XX/XXXX. The insurance company of the other driver accepted liability and issued a payment to XXXX of XXXX. In the meantime as XXXX was waiting to receive payment from the Insurance Company I continued to make my payments because I did not want to ruin my credit. I called XXXX weekly to see if they received payment to avoid any issues because I would have continued to pay if has too. They had told me they received payment and to call back in a week. I was still able to check the account and when I did it showed that the check was posted and that I had a balance due of XXXX. I called and they said it was a mistake and to disregard they will fix it. 
The insurance company issued XXXX a check on XX/XX/XXXX paying more than what I owed on the suv leaving XXXX  to issue me a payment from the account having an overpayment of {$140.00}. 
On XXXX I received a credit alert from XXXX  that I have a paid/closed account with a 30 day late payment. This hurt my credit very bad. On XXXX is when I received my alerts from XXXX and equifax showing the same thing. I called XXXX to speak with someone who told me that they will fix the error and it can take up to 90 days. I am not understanding why I have to wait almost three months for a mistake made on their behalf. I am in the process of buying a house and now I have this huge problem that I didnt create. My scores drop 40-51 points from each bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Experian Information Solutions Inc.
State: NJ
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:
There are some accounts on my report I do not recognize

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 2019-02-08
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Reference ID : XXXX My account was limited in XX/XX/2018 and I was advised funds will be released in 180 days. I can not withdraw funds {$420.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-08
Company: U.S. BANCORP
State: AR
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
US bank reliacard is unlawfully holding my daughters child support saying they need proof that I changed my address when in fact you have to show Id at child support office to do so. I have sent my DL and by their own admission and they made the mistake as to why it was sent and still have not released my childs money during a pandemic

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-10
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:
XXXX XXXX XXXX has not received written permission to report information regarding transactions or experiences against my consumer report. 

Reporting late payments and alleged loan amounts constitute transactions and experiences. I did not give my written consent. 

I am disputing the reporting of these late payments and utilization by the credit reporting agencies per 15 USC 1681 ( a ) A consumer report does not contain any transactions or experiences between the consumer and the person making the 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 2020-12-21
Company: AMERICAN HONDA FINANCE CORP
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
The loan was paid off XX/XX/2020 and acknowledged by the company, who indicated that the title would be forwarded to me within 2-3 weeks. As of this date I have not received the document and am unable to speak with anyone since being put on unlimited hold when calling their phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt has been paid and is scheduled to be removed from my credit report in XX/XX/XXXX 2017. I am requesting that it be removed from all three major credit bureaus immediately as this negative account is hindering me from obtaining credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-02
Company: EQUIFAX, INC.
State: WI
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: AmeriCollect
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I DID NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THEREFORE THE REPORTING OF THIS ACCOUNT IS INACCURATE AND INCORRECT. I HAVE REACH OUT THIS COMPANY SEVERAL TIMES TO NO AVAIL. THEREFORE THEY ARE IN VOLATION OF 'THE FAIR DEBT COLECTION PRACTICE ACT '.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022, my Chase Bank debit card was stolen along with my phone and drivers license. They withdrew money from two of my accounts at two different Chase ATMs for a total of {$4000.00}. They withdrew {$1000.00} from one account and {$3000.00} from my second account. They were able to withdraw from both accounts because my debit card is linked to both accounts and they can pull up my balance for both. The transactions online have the ATM addresses on them. I called Chase to freeze my account and to open a dispute for the fraudulent charges. Chase froze and locked my account that day. I also filed a police report with the local police department and a detective is on my case. On XX/XX/2022, Chase sent temporary credit for my first account for {$1000.00}. On XXXX XXXX, Chase finished their investigation and agreed it was a fraudulent charge and let me keep the credit. On XX/XX/2022, Chase sent temporary credit for my second account for {$3000.00}. On XX/XX/2022, Chase closed the investigation and said the charges were authorized and they are taking the {$3000.00} back on or after XX/XX/2022.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-13
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I submitted a previous complaint about this case with the number XXXX. I added a copy of the pdf down below. I got an answer as to why my PayPal account was banned just now. I feel like I need to explain further in detail as it still makes absolutely no sense to ban me for that without even a warning in the first place. 


First : Every transaction I had on there was legitimate. Let 's leave that out of the equation. So stop using preventing suspicious activity as an excuse. 
Second : I returned back to XXXX after finishing college at the end of the last year, but I still used PayPal from time to time for purchases and sending/receiving money to/from friends. And also, I will go back to the US in a few months for graduate school. I need this account to pay and receive money and I need the money that's frozen on there right now. Third : I don't understand why I can not use my PayPal to pay stuff while being temporarily outside of the US. Nothing 's changed besides my physical location. Most importantly, I got no warning prior to this ban as well and did not know that you can not even use your account outside the US. 

Please review this ban and give me a reasonable solution. Otherwise, I would dispute this nonsense over and over if I have to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: Coinbase, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
i deposited nearly {$40.00} into coinbase, tried 6 different times to submit an identity document so i could pull my money back out after deciding it was too sketchy, after getting my identity document finally approved after two months, i cant pull my money out of my account due to buggy websites, site delays, constant maintenance, and over all terrible costumer service. ive done a lot of research and seen many other people experiencing the same problems

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA.

These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 explanation
Consumer complaint received 2020-04-25
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least, they have not to be authenticated as per my requirements as you are damaging my character, creditworthiness, and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: MARINER FINANCE, LLC
State: IN
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:
Account name 1 -MARINER FINANCE 2XXXX XXXX 3 - XXXX XXXX  In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: EQUIFAX, INC.
State: VI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
For the past several months ( around XX/XX/XXXX ) I have been trying to get my credit report from Equifax due to the fact they continue to report incorrect information. They have accounts I have never seen and accounts from XXXX that are paid in good standing, and I no longer have. 
I am a XXXX XXXXXXXX veteran and I applied for a line of credit. I was turned down because Equifax is reporting incorrect information. I made several attempts for several months now to no avail. I am married for 15 years and all my lines of credit are in my maiden and married name ( it is hyphenated ), they only have my maiden name listed on my account. I went on to their site to print my report and was told it ( Report Blocked for Promotional Purposes ). I called and was told it would have to be mailed, this will take way too long. I need to fix the issue immediately. 
I am way beyond stressed by Equifax and the other reporting companies, everyone is using Covid as an excuse to do what they want. I would like help to rectify this situation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I was approved for a $ XXXX loan back in XX/XX/XXXX. I have been making regular payments to day and have experienced another hardship so went back to apply for an additional $ XXXX loan. When I realized I only needed about {$2500.00} or less, I notified One Main and told them. 

The CSR informed me that I had been approved for the $ XXXX loan however, I would need to use my XXXX as collateral. I told the CSR I did not want to do that and he told me that they could not give me the loan. I then inquired about receiving way less than that amount and was informed that my car would have to be used as collateral. 

I asked the CSR, XXXX, what credit report was used to approving my $ XXXX loan previously. XXXX told me that they pull from all three ( 3 ). I asked him what was different between the two ( 2 ) reports pulled in a matter of months. He stumbled and said that 2 things popped up. Well, that makes no sense as the items that " popped up '' were on my report since XX/XX/XXXX or sooner so you had to see it when you gave me the $ XXXX loan. 

I asked for a copy of the credit reports and was denied review of them but One Main wants to use my credit report as the foundation for requesting a collateral loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: National Credit Adjusters, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested validation of this debt in writing over 30 days ago and have not received any response. I would like to report them and have this debt removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I XXXX XXXX called Coinbase in regards to a problem on XX/XX/2021. I was assigned a specialist. XX/XX/2021 my coins started disappearing. I emailed the company over 200 emails because there is no way to talk to a live operator. No reply. No help. Despite begging to stop those transactions. They are mine. Im being robbed. 

I filed a Police Report, I filed with the fbi, I filed with the ftc. I am not getting any help. How can a US company have no customer service and help their customers after pleading for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: BARCLAYS BANK DELAWARE
State: CA
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, and I am sending this request myself to address the inaccuracies on my Credit Reports. The information you provided is different from other bureaus. This account, BARCLAYS BANK DELAWARE, is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Also, please reinvestigate the whole information especially the date last active, payment status, account type, and payment history. Lets correct this immediately. The Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

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 2020-01-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
There is an account From XXXX that is reporting on my credit report that does not belong to me and it is affecting my credit score i tried to have it disputed with the bureau but it been more then 45 days and it is still reporting on my credit report

Company response to consumer: Closed with non-monetary relief