BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-31
Company: CITIBANK, N.A.
State: OH
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX I started getting charges that I didn't make on my CITI CARDS account. I reported them and they were taken off my bill. At that time, I was given a new card with a new account number. 
This year ( XXXX ) I started getting the same kind of charges to the account. Companies that I had never done business with or heard of. I reported them to CITI CARDS and assumed everything was taken care of. When I started getting billed for them again, I made numerous calls to CITI CARDS to no avail. During this time, I destroyed the card and cancelled the account. This week I have made 2 calls ( each lasting more than 45 min ) and have been transferred many times, with each transfer the connection gets worse and worse and more garbled. 
The charges were : XXXX {$37.00} and XXXX  {$37.00}. As of XX/XX/XXXX the total billing is XXXX with additional fees. 
Account information : CITI CARDS XXXX XXXX XXXX XXXX XXXX XXXX Account Num. ending in 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 monetary relief
Consumer complaint received 2022-08-31
Company: Professional Debt Mediation, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive called PDM Debt Mediation after receiving a letter of collections for the amount of {$630.00} XXXX for the company XXXX XXXX XXXX and told them that this bill is in Texas and I in Oregon. Ive never lived in Texas and that this is someone else using my SSN.They said to file a police report and with the FTC so this is what im doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
3 years ago, I bought auto insurance from the XXXX XXXX XXXX XXXX XXXX. I was a member for several years before that 2016. During that policy year, I added my 2 children to my insurance policy, the agent did provide a pricing which made sense for our family. However, after the enrollment XXXX XXXX XXXX  sent us the monthly bill and the payment amount was roughly {$1800.00} per month for 4 of us. That was outrageous in any type of coverage. I immediately contacted my XXXX agent and XXXX  billing to resolve the pricing discrepancy. XXXX  did not provide any solutions to our payment. We did made payment arrangement to keep the coverage while shopping for new carriers or separating our children from our policy to lower the cost. After we have found another carrier, we immediately contacted XXXX   and my agent to cancel the policy so XXXX won't charge us for the 2nd month.

The past 4 months, after reviewing my credit report. I found that XXXX did place both my wife and I on collection for the amount of {$4500.00}. Then XXXX had sold that account XXXX XXXX XXXX in Southern California. I immediately took action by sending in letters to the major credit bureaus and XXXX to dispute the reporting on our credit report history. However, the credit bureaus and XXXX   did not take action to verify our concerns regarding this account. Their action had cause family worries and so many confusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I've identied inquiries on my consumer report as a result of identity theft. These items are not related to any transactions made by me XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-13
Company: Experian Information Solutions Inc.
State: NV
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 have disputed this collection on this XXXX XXXX   XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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 2022-08-31
Company: CMRE Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
CMRE FINANCIAXXXX YOU ARE BREAKING THE LAW! 

This is a warning notice to the alleged wrongdoer of such debt : which you are a debt collector because you are simply attempting to collect a debt. Well multiple alleged debts. I noticed I have been violated pursuant to the FDCPA ( Fair Debt Collection Practices Act ). There is evidence of the use of abusive, deceptive and unfair debt collection practices. 

Until you can provide me with documentation stating that I gave you my authorization and request to release my personal and medical information/records, I demand that you block and cease collections on the following accounts from my consumer report. 

-CMRE FINANCIAL XXXX {$65.00}, {$74.00}, {$74.00}, {$100.00} These violations have caused numerous injuries to my life. Under the Health Insurance Portability Accountability Act of 1996 ( HIPAA ), I reserve the right to private, personal and medical records from all third party reporting agencies and collection agencies. 

According to 15 USC 1692c ( c ) ( 2 ) I am involving my specified remedies as a consumer and I am demanding all of the following : Provide proof of a contract between CMRE FINANCIAL and I Stop all negative reporting scribing to all consumer reporting agencies Remove and block all negative reporting activity XXXX out balance Remove any late payment reports Need a Full audit trail For each violation I would like to be compensated {$1000.00} You are civilly liable. If I dont receive a response that will result in additional violation to the FDCPA. 

This letter is a request for validation and remedy for violations continuing to report this medical debt without properly validating and providing me proof of permission is a validation of the FCRA ( Fair Credit Reporting Act ). 

You have 15 days to respond to this request or this alleged debt will be considered invalid and the demand for removal from reporting to the credit reporting agencies will be required! 

Best regards : Done in good faith. Without prejudice. All natural inalienable rights reserved. 
XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on 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 non-monetary relief
Consumer complaint received 2020-08-03
Company: ALLY FINANCIAL INC.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I contacted Ally Bank regarding a 90-day extension request attached herein. I have previously disputed the late payments reported by ALLY Bank and feel like they are retaliating for my complaints. The value to debt ratio is inverted and the title is prejudiced due to fraud on the part of the selling agency. I have been told by the XXXX XXXX that they can not take the car in on trade, even though XXXX XXXX  XXXX XXXX authorized the vehicle for resale after replacing defective parts. XXXX is now calling the vehicle a lemon and telling me I am just stuck with the auto. I owe {$13000.00} the value is @ {$9000.00}, which is well below value due to the lemon identifier. Further, the XXXX reports prevent the vehicle from being sold. When the vehicle was sold to us, we were provided a fake XXXX Report indicating the airbag recall was the only issue with the car. That is not the case. I took the vehicle to XXXX XXXX in XXXX Georgia who performed all warranty work and on three separate occasions the sales managers contacted me to buy the vehicle due to its condition and maintenance record. When I finally became interested in trading for a new vehicle, it was sprung on me that the vehicle could not be accepted by the dealership. This responsibility falls upon XXXX XXXX   XXXX XXXX. During the interim, Ally Bank should honor the 90-day extension request.

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 2022-08-14
Company: EQUIFAX, INC.
State: OR
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: Investigation took more than 30 days

Complaint:
I received a letter from XXXX dated XXXX. It stated the following :. " if your loan was current at the time of going into forbearance, then each month you are in forbearance, we will report the status of the account to the credit reporting agencies as current. '' Additionally, the letter stated, " We are here to help. We understand late payments stem from a variety of reasons. We strive strive to make every effort to help ease the financial difficulty to help you stay on track with your mortgage payments ''. 
These are all kind, beautiful, supportive words, but they are completely untrue. I missed one payment by accident, and XXXX immediately reported me to the credit agencies. My score went from the XXXX 's to the XXXX 's. This making it impossible for me to buy a house, or a car, or even qualify for a credit card. 
This is what happened. In XXXX of XXXX, I signed up for automatic payment from my checking account to XXXX, so that I would never be late. What I did not realize that the process took 60 days to take effect. When I signed up in early XXXX, I thought the XX/XX/XXXX payment would be automatic. However it did not take effect until the XX/XX/XXXX payment. Thus, the XX/XX/XXXX payment was late. I paid it immediately upon realizing my mistake. XXXX did not care that I made an honest mistake. They reported me to the credit bureau. This happened during the peak of COVID. This seems like drastic and unfair punishment. I am requesting that XXXX does the honorable thing and restore my credit back to normal by removing the " 30 day late. ". Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: D2 Management LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
D2 Management repeatedly calls my phone number and my wife 's phone number using local spoof numbers. They don't identify the company they are calling from until asked several times and they get nasty and rude when identifying the company. 
Neither of us have any debt at all and nothing in collections. The company refuses to send us proof of debt or give us any information over the phone. They literally don't even want to tell us the name of the company until we provide them with the last four of our SSN, which we will not do. I have repeatedly told them that I will not give out my info to someone randomly on the phone. They can identify themselves, use their real phone number and even ask me to confirm what they have after they tell me at least part of what they have but I will not give my information first. 
According to the XXXX  this seems to be what they do to everyone they call. This is a huge red flag for a scam company. 
Their most recent call was XX/XX/2021 from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Experian Information Solutions Inc.
State: NV
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:
In accordance with the Fair Credit Recoding Act. The List of account i have provided below has violated my Federally Protected Consumer Rights to privacy and confidentiality under { 15 USC 1681 } XXXX XXXX XXXX XXXX : Account # XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 
XXXX & XXXX : Acct # XXXX, XXXX has violated my rights. 
XXXX XXXX : ACCOUNT # XXXX, XXXX, XXXX has violated my rights. 

{ 15 U.S.C. 1681 } Section 602 A. States : I have the rights to privacy.

{ 15 U.S.C. 1681 } Section 604 A. Section 2. States : a consumer reporting agency can not furnish a account without my written instructions. 

{ 15 U.S.C. 1681c } ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other " Adverse Items '' of information, other than records of convictions of crimes which antedates the report by more than seven years. 

{ 15 U.S.C. 1681s-2 } ( a ) ( 1 ) States a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2018-08-07
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:
I paid my car loan off to XXXX XXXX XXXX 5 months early, closing my account. This resulted in my FICO scores decreasing by an average of 40 points in Experian, XXXX and XXXX. When I inquired, I was told " When there is a sudden and unexpected change in your payment status, like paying off a loan early, the algorithm reads 'account closed early. ' That's just the way the algorithm works. '' To summarize : I paid my car loan off early, and credit agency 'algorithm ' punishes me with a 40 point FICO   score reduction.

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 2021-04-08
Company: SYNCHRONY FINANCIAL
State: MD
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:
PayPal MasterCard has refused to allow me to use my email address to set up an online account to make payments, view transactions, and receive statements. I have spoken to customer service and other staff and managers with PayPal and have not received a solution. I have to make payments by phone or by mail.

Synchrony Bank is the servicer. PayPal and Synchrony Bank are blaming each other for the system error like children, instead working together to resolve the system glitch or whatever is causing this simple, mechanical issue that seems to be not accessible for 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 2023-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have called capital one several times to try and get the hard inquiry off my report I did not have any knowledge of applying for credit card in the past I only recently applied for one n I got approved I have 5 hard Inquiries that's not mines I even wrote u to ask for them false reports off my XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX need to b removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31
Company: EQUIFAX, INC.
State: NV
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:
In accordance with the XXXX XXXX XXXX XXXX. The List of account i have provided below has violated my Federally Protected Consumer Rights to privacy and confidentiality under { 15 USC 1681 } XXXX XXXX XXXX XXXX : Account # XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 
XXXX & XXXX : Acct # XXXX, XXXX has violated my rights. 
XXXX XXXX : ACCOUNT # XXXX, XXXX, XXXX has violated my rights. 

{ 15 U.S.C. 1681 } Section 602 A. States : I have the rights to privacy.

{ 15 U.S.C. 1681 } Section 604 A. Section 2. States : a consumer reporting agency can not furnish a account without my written instructions. 

{ 15 U.S.C. 1681c } ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other " Adverse Items '' of information, other than records of convictions of crimes which antedates the report by more than seven years.

{ 15 U.S.C. 1681s-2 } ( a ) ( 1 ) States a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
In XX/XX/2017 I created an account at Coinbase.com, with the intention of purchasing some cryptocurrency. I passed my identity verification screening, which included adding my name, address, bank account information, credit card and even uploading my driver 's license to confirm my address and age. I was allowed to make multiple deposits of XXXX, XXXX, XXXX and XXXX dollars. 

I purchased some cryptocurrencies, paying fees each time, then sold them, again, paying coinbase a fee. 

Once the funds for the transactions were released into my coinbase cash account, I went to make a withdrawal of said funds ( total amount in my account is {$1800.00} ), but was told that I would need to " verify my identity '' using their supposed " 3rd party verification service '', which required even more details than were required to fund the account. I went through the steps advised, entered all of my information, including new info ( last 4 of SSN ) but each time the provider said that " verification could not be completed at this time ''. I attempted to complete this procedure over FIFTY times. I emailed coinbase over a dozen times, have direct messaged them on XXXX and yet have gotten no help ( only automated replies, or suggestions to continue changing the information I enter into their verification system, to no avail ), and my funds remain frozen. In a last ditch effort, I went to CLOSE my account, so that I would finally get MY OWN MONEY, but even trying to close an account requires this broken verification. They won't even let me close the account or withdraw my funds!!! This is a significant amount of money, that belongs to ME, and it is criminal and negligant for coinbase to deny it to me, when I have done everything within reason to verify who I am. 

It has been about 3 weeks since this debacle has started, and I am finally desparate enough for outside help ( Hence me contacting you, Consumer Finance Protection ). 

Thank you for your help

Company response to consumer: Closed with explanation