BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-26
Company: CITIBANK, N.A.
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:
SEARS/CBNA i opened a Sears CC at XXXX XXXX XXXX, the store clerk entered a wrong address into his computer for my home of record. i went to the XXXX store 3 times to find out why i was not receiving any correspondence or bills. the Store manager said they had no info and to just wait as new accounts took time. they had no info in system so could not tell me what to pay or take my payment and guarantee it would be accounted for to my account properly. 

I was given a number to call, but since i did not have an account number i could not get through computer screening system, after many attempts i finally got through to a person but by then my Credit report showed delinquent. i was able to give them proper address and pay off amount ; their internal system showed all mail sent to me was RTS. 

phone rep said to file appeal through credit reporting agencies which i have done many times with no change. 

most calls were dialed on work phone but i have a snipet of one that was dialed from my phone XX/XX/2018 trying to connect with a Rep

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 2020-05-30
Company: Exeter Finance Corp.
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:
Re : Unauthorized credit inquiry I am writing to request the removal of an unauthorized credit inquiry on my XXXX, XXXX  and XXXX credit Report. 

My latest credit report shows a hard inquiry from your company. Ive had a security freeze and fraud alert on my credit file since 2007. According to the FCRA data furnishers are responsible for reporting accurate credit information. The FCRA also states a potential creditor must adhere to FCRA fraud protection guidelines. 

As a consumer I have done my due diligence to seal my credit file. Utilizing the credit freeze feature and fraud alert feature. Your company is in violation of the Fair Credit Reporting Act. My credit file was accessed illegally by your company. My credit file clearly states a company must contact me via phone to ask identifying questions. 

Your company allowed someone to gain access to my credit file to apply for credit I did not authorize. Please remove unauthorized inquires from my credit file. I would appreciate a copy of my credit file once this issue is resolved. 


Unauthorized account information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: Experian Information Solutions Inc.
State: FL
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:
Pursuant to 15 USC 1681, Experian have violated the laws of the FCRA ( Fair Credit Reporting Act ) They is in violation of 15 USC 1681 a.d.2.b, because they are reporting authorizations and approvals of specific extensions of credit directly and indirectly of me the issuer of my credit cards. 

Pursuant to 15 usc 1681a.1, The banking system is dependent upon my consumer report being fair and accurate and Experian is allowing inaccuracies to be furnished on my consumer report and it have caused me to lose confidence in the banking system and as a result I will no longer be extending my credit to anyone, nor will I allow experian to furnish a report on my behalf as a result. 

Pursuant to 15 usc 1681a.2 The FCRA has developed an elaborate mechanism for investigating and evaluating my credits general reputation as a consumer. 

Pursuant to 15 usc 1681a.3, Experian have assumed a vitral role that was not given to them on my behalf, because of they assumption my life have been negatively affected, this has caused me XXXX XXXX XXXX XXXX, XXXX and XXXX, I have been unable to get certain jobs and unable to get a place to live in my name because of their assumptions. 

Pursuant to 15 usc 1681a.4, Experian have failed to exercise their responsibilities of fairness or impartiality, they also practice disrespect to my rights to privacy as a consumer, Additionally, Experian was not apart of any transactions that is alleged on my consumer report and pursuant to 15 usc 1681b Experian are not adopting reasonable procedures. 

Experian have violated 15 usc 1681a.d.2.a.i, by reporting information solely as to transactions and experiences allegedly between me and any person. 

Additionally, Experian have been unfair in reporting the wrong and incorrect information without consulting with me the consumer, they have no proof any transactions took place. 

Experian have also been unfair because they allow alleged transactions to be reported while only hearing one side of the story. 

Additionally, Experian infringed upon my rights to privacy by having a conversation regarding me the consumer with a third party without my consent, and now reporting it to continue ruining my reputation. 

I never gave Experian consent to create a consumer report and generate a XXXX XXXX on my name and social security number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-07
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am writing to report unexplainable fees charged on my XXXX XXXX XXXX XXXX credit card. It is my financial habit to pay off any charges incurred on my XXXX credit card within the allotted time to avoid interest charges for current purchases. On my XXXX 2017 XXXX 's account statement, I received a fees charged for the amount of {$2.00} on an account for which I had a zero balance. I took action and contacted customer service to inquiry about the fees charged on XXXX XXXX, 2017 @ XXXX XXXX However, no one could explain what the fees were for or why the fees were incurred in the first place. They agreed to waive the fees but I had to pay the unexplained {$2.00} prior to the XX/XX/XXXX statement due date to avoid incurring interest at 29.9 %, and a late fee on the unexplainable {$2.00} fees charge on an account that has a XXXX ( XXXX ) balance. I took action to protect my good credit reputation and paid the illegal fees charges of {$2.00} in XX/XX/XXXX. Please note something fraudulent is happening with the XXXX 's account. Because the illegal fee amount is small, perhaps the company is hoping it 's customer 's will overlook it. Yet, if unexplained fee of {$2.00} by the number of customers who have a XXXX 's account, the fraudulent charges could bring in a hefty sum.

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 2022-01-18
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I deposited {$50000.00}, XX/XX/XXXX I transferred {$50000.00} to coinbase pro to purchase bitcoin. I purchased XXXX bitcoin for {$50000.00} and then on XX/XX/XXXX deposited {$25000.00} and bought XXXX Ethereum, and XXXX cosmo coins for {$1500.00}. In total I sent {$75000.00} to coinbase to purchase crypto currency. Immediately after the {$25000.00} purchase they froze my account and wouldn't let me buy or sell or withdraw my crypto currency. I attempted to sell multiple times while the market appreciated by 20 % only to receive a message that says " sells disabled ''. The message on the coinbase app says " unable to buy and sell, contact customer service ''. I've contacted customer service several times through email and phone calls and when they do respond, which is rare, they tell me my " account is under review ''. I submitted a formal complaint and received a message 10 days later that said they need an additional 20 days to review my complaint. Meanwhile the market has decreased significantly and I've missed out on {$15000.00} of gains and my value is worth {$62000.00} so I've lost {$13000.00} already in one month all because they prevented me from selling or withdrawing my money. On XX/XX/XXXX i deposited {$10.00} to see if they would let me buy crypto still, they let me buy so their own messaging on the app is contradicting. They will take my money but won't let me take it back. How can my account really be frozen if that is the case? This is theft and fraud and I demand financial compensation for my damages and lost opportunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX Late closed 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 explanation
Consumer complaint received 2017-07-28
Company: BBVA FINANCIAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I recently traveled on XXXX XXXX line I had to travel for a funeral well the plans changed and I had to stay a bit longer then expected and well I had contacted XXXX and they said it would not be a problem and I would have to only pay a {$20.00} fee for me that was not an issue well I go to the bus station like they ask me and well they told me it whould costs me around {$86.00} for this so I payed it the bus station said oh just call XXXX they will refund your old ticket for changing ticket so I called XXXX and got absolutely no ware and the customer service line was very rude so I thought I will make a claim though my bank and they bank give me a response that I have to take it up with XXXX and XXXX is now telling me to take it up with my bank I need a resolution to this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I went to dispute my credit report, there was many discrepencies post on XXXX XXXX site bothe with transunion and XXXX. I disputed some items on transunion side of credit karma then went to post disputes on XXXX  site and it blocked me from doing so saying my wifi dropped..it did not drop at all just a blocking tactic.im using the same wifi to send this message to you minutes later after attempting to dispute the incorrect aligations on my reports..the dicrepencies has made my hard work keeping a high score impossible..these action against me has dropped my score over 42 points just on these recent discrepancies and 10 points the first time in 2 weeks..these discrepencies were added to my account before the next 21day credit reporting scheduale..these credit repoting companies tied to XXXX XXXX  pretty much change your score if it gets any kind derogatory information in a blink of an eye and any good information is applied in 30 days..these practices are very unfair to the comsumer and are life changing everything you do is based on your credit report, loan rates, housing, mortgages, applying for credit, so on and so on.I have no wau of sending documats to show these credit number drop because I'm using credit karma site to report this and do not want to loose this report doing so..NOTE .the CFCB system will not take my ssi number reporting..NOTE I WOULD LIKE THIS REPORT TO GO TO XXXX XXXX TO.THERE ARE NOT LISTED UNDER YOU SYSTEMS LIST OF CORPORATIONS LIST.thank you 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 2018-01-07
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, I submitted a withdraw request from Coinbase. After fees, I should have received {$7800.00}. Coinbase claimed to have processed the wire on XX/XX/XXXX. Coinbase also claimed I would receive the wire transfer on XX/XX/XXXX. There was no mention of delays at the time of withdraw. 

On XX/XX/XXXX, Coinbase changed the process date of this transaction from XX/XX/XXXX to XX/XX/XXXX. I have requested information showing that the wire has been initiated so that my bank can confirm. I have not received the withdraw or a response from Coinbase indicating that they finally processed the wire transfer. The withdraw is now 18 days ( 10 business days ) late of the time ( XX/XX/XXXX ) I was told it would arrive.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am filing this complaint because I believe that I am a victim of the practices outlined and admitted to by Chase Bank USA NA in the settlement of XX/XX/XXXX. OnXX/XX/XXXX Chase Bank USA NA assigned a judgment it obtained against me to XXXX XXXX. Chase sold this Judgement in a large bundle for 1.02 ( one and two one hundredths ) ( % ) percent of the Judgment Balance of the Accounts which are the basis for the Judgments then being sold. ( It should be noted the XXXX did not file its corporation papers with the state of Florida until XX/XX/XXXX. ) XXXX in turn assigned this judgment and many others to XXXX XXXX XXXX on XX/XX/XXXX. As a consumer with limited understanding of the law I was unaware that Chase had assigned its Judgement toXX/XX/XXXX or that XXXX had then assigned the Judgement to XXXX XXXX XXXX. On XX/XX/XXXX unbeknownst to me XXXX XXXX XXXX started new collection efforts under Chase Bank USA NAs original court case. I believe the assignments being used to pursue collection efforts are fraudulent and believe that the settlement Chase Bank USA NA agreed to was designed to protect and prohibit consumers from further damage stemming from there admitted illegal collection practices. On XX/XX/XXXX Chase Bank NA USA executed a garnishment on my bank account. Unfortunately XXXX XXXX XXXX has now received a garnishment on my bank account leaving me with very limited means to receive legal assistance. My questions to the CFPB is why is Chase and the companies it sold these accounts to still able to proceed with collection efforts?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I am a victim of identity theft. My XXXX XXXX XXXX XXXX credit account # : XXXX is lost/stolen and has over {$22000.00} in fraudulent charges/transactions that arent my charges. My XXXX XXXX/XXXX XXXX XXXX XXXX XXXX credit card account has {$500.00} in fraudulent charges/transactions. The {$500.00} is fraudulent charges/transactions and arent my charges.

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 2018-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX placed a collection on my XXXX XXXX credit report and Transunion credit report on XXXX XXXX, 2017 stating that I owe a balance of {$2200.00} I never signed a contract with this company to agree to pay any debit 's owed. Therefor I am not responsible for any debits owed to this company

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 2022-01-18
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was compromised. As a result I have been a victim of ID theft. There was vehicle purchased totally on line, delivered to an address in a state I don't live in nor have never lived in. It did not match my Drivers license or any info given to this online lender. They are the ones who told me this on the phone. They have taken possession of the vehicle, sold it at auction and have reported this on my credit bureau with XXXX XXXX. I have submitted all the required Information they requested to have this removed and they still havent done anything other than try to collect on an account they know they should never have opened none of the information matched me or my credit file. AS a result they are XXXX me all over. I am in the process of obtaining my first home loan. The mortgage company can not give ma a loan even with PERFECT credit expect for this one open charge off. I have told them this and nothing is being done.

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 2021-03-06
Company: Applied Data Finance, LLC
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
This company stopped applying any percentage of my monthly payments to my principle balance, all of these payments ( 8 months worth ) went all to interest payments. the first 3 months of this loan went as agreed, then the principle payments stopped. The last 3 payments I have made have had them resuming principle payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: CITIBANK, N.A.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Within the past 6 months I submitted an online application to Citibank for a personal loan in the amount of {$30000.00}. I received a letter from Citibank denying the consumer transaction. This letter was a false and misleading denial of my credit. At this time I am requesting a listing of all the factors that were involved in this consumer transaction. Under 15 USC 1611 this was a criminal liability for a willful and knowing violation of my consumer transaction rights.

I would like the underwriter to address this matter in an expedient manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: Experian Information Solutions Inc.
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:
The reason I am writing to you is to inform you of this company failure to remove fraudulent accounts from my report even after being informed of them. I provided this company detailed letter indicating what accounts were fraudulent, I even attached my FTC report indicating that am a victim of identity fraud. 
But until now, this company is still reporting these fraudulent accounts. Yet another time, Below is the fraudulent accounts that I need to be removed from : XXXX ACC # XXXX- Status Updated XX/XX/XXXX XXXX ACC # XXXX Status Updated XX/XX/XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX I am attaching the FTC report I sent to this  company as proof that I am a victim of identity theft.

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 2021-07-17
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
2006 we [ my wife and me ] refinance our mortgage with XXXX  lending company we get a loan of {$48.00} thru home equity credit line, our payment went too high, we filed bankruptcy to avoid foreclose, after 15 years a new company send me a charge to pay this amount [ now is more [ double ] even this XXXX  is not here anymore they make a mess with my mortgage. we still paying our first mortgage only depending from our social security checks.we are broke and we can't pay this money this people is claiming to us we need legal aid or someone to talk to them [ we only speak XXXX  ] we can't understand what they want. I'm XXXX and my wife XXXX any help well be appreciate. thanks i,

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