BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-09
Company: Foris DAX, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
I invest in Crypto.com. 
I bought a coin named Loopring ( LRC ) The value of the coin moved up and to XXXX $ Then I decided to sell XXXX of my total coins. 
When I finish the transaction Crypto.com only paid for the transaction XXXX per coin. 
This is a big discrepancy. 
I contacted them, and show them a screenshot of their own chart. 
They say that what is shown in the charts is only for reference in their app. 
I also told them I double checked with other exchanges, and I use trading view at the time of the transaction. 
And all of these point out to the my expected price.

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 2023-07-14
Company: CITIBANK, N.A.
State: OR
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:
I can not get CitiBank to properly apply my payment that I made on a XXXX % advance. I have made several attempts to rectify the problem with CitiBank and have previously made a claim. They did make an adjustment but failed to handle it properly as my 0 % advance is now being charged at 18.74 %. This should show as completly paid on XX/XX/XXXX. I was instructed by CitiBank to pay it XXXX day after the expiration date so that it would then trigger moving to a higher interest rate and my payment would then be applied toward that higher rate. I did as instructed and paid additional. I have fought with them ever since as they ended up applying the payment to an advance that was at .99 %. After my last complaint they did make an adjustment but for whatever reason, only showed a portion of that original transfer as being paid and as of my last statement they are still showing that I owe {$2600.00} at 18.74 %. I have another 0 % transfer expiring on XX/XX/XXXX but they have made it impossible to pay it down. According to their policy, any additional payments are first applied to the higher the amount with the higher interest rate. So, even though I have already paid the one that expired in XXXX, they did not put the entire payment toward it and are now charging me interest. Even though I pay additional monies in an attempt to pay down the XX/XX/XXXX transfer, those payments do not go against that amount. I am at my wits end and do not know how to get someone to fix this. They have admitted to me several times that it is their error and their system did not trigger moving the first advance into the higher interest rate and then having my full payments applied against that amount. Surely this has to be illegal. What else can I possibly do to have this rectified??? PLEASE SEE MY PREVIOUS CLAIM 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 2023-05-26
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have 3 unauthorized Inquiries on my credit report I need them to be remove from my credit Credit report I dispute them with EQUIFAX they refuse to take action, theses 3 inquiries is fraudulent I need them to remove from my credit report as soon as possible the creditors name are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01
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: Was not notified of investigation status or results

Complaint:
I sent a letter on XX/XX/22 requesting to be removed as an authorized user from an account. I have yet to receive a response. Also, the authorized user account still remains on our credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-15
Company: CITIBANK, N.A.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
Recieved an alert from citi for fraud on card XXXX. Spoke to agent provided amounts that were fraudulent. Fraud amounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX subtotal of {$690.00} Followed up w citi on XXXX at XXXX agents name was XXXX XXXX from the security team. 

issue # 1 - Provessional credit was not provided for the XXXX as per Reg E Unauthorized Transfers regulatory obligation. Although it appears that they are following the 45 day investigation service level agreement under reg e. 

issue # 2 - Agent proceeded to tell me that I was not required to pay the subtotal amount however, that was never communicated to me on XX/XX/XXXX when i reported the fraud. 

I believe citi is not following reg e correctly. They should have issued me the provisional credit while they conducted their investigation especially given that the fraud was correctly identified by the bank 's platform and subsquently alerted me to the concern.

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 2020-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XXXX XXXX, XXXX I was the victim of identity theft. I followed all the necessary reporting steps, including reporting it to the 3 credit reporting agencies. I contacted the companies that were involved in either granting credit in my name to the thieves or who had reported and inquiry into my credit. This week, I became aware that TransUnion had not removed the initial fraudulent inquiries off of my report, and had allowed another inquiry on XX/XX/XXXX ( even though I had put a freeze on my credit and had fraud alerts on my account ). I contacted TransUnion and they said that I had to contact the companies that received the credit requests. I contact the first creditor ( creditor # 1 ) and they assured me that they had, in fact, sent documentation to TransUnion in XXXX of XXXX letting them know that the credit application was fraudulent. They agreed to send it again. The second creditor ( creditor # 2 ) no longer had the application in their records, so they were unable to send any documentation regarding the XX/XX/XXXX credit inquiry. I then called Trans Union again, the first person I spoke with told me that they could see that creditor # 1 communicated with them, but that she needed to forward me to the fraud dept. She forwarded me, and that person also told me that they had notes from XX/XX/XXXX about receiving communication from the creditor # 1, but that she would need to forward me to a supervisor. I was then forwarded to a man who introduced himself as XXXX and identified himself as a supervisor. After explaining the situation, he said that they showed no communication from creditor # 1. I told him that two other TransUnion reps had told me that there was communication. He said that there was none. I told him that I had already been told that there were notes in my file stating that creditor # 1 had communicated with TransUnion on XX/XX/XXXX. He said " that is incorrect and those employees will be disciplined ''. After that, he was short with me and minimally helpful. I asked how it was possible that the other two reporting agencies had removed the fraudulent information from my credit report promptly and had not allowed any other credit inquiries, but TransUnion had done neither of these things? He had no answer for me. I asked why I wasn't informed of the credit inquiry in XXXX of XXXX, and he said that because they had not updated my phone number ( I've had the same phone number for over 25 years! ). I gave them my phone number and my husband 's phone 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 explanation
Consumer complaint received 2023-06-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
DELETE ALL FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC XXXX  XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I am trying to buy a house and illegal information and identity theft is damaging to my character and livelihood. Agencies used my ss # and other information for fraudulent purposes in unknown years. Credit agencies listed inaccurate information on my credit report, per 15 USC 1681, et seq. Isnt it true HJR-192 prohibits payment of debt and substitutes, in its place, evidence of discharge of an obligation -- thereby not only subverting, but totally bypassing the " absolute prohibition '' so carefully engineered into the US Constitution? There is, now, nothing for this Article to operate on, just as there is nothing for Common Law to operate on. Perpetual debt, bills, notes, cheques, and credits fall within a different authority than contemplated by Article I, Section 10, Clause 1 -- and that authority belongs exclusively to the Law of Admiralty and Maritime. Obviously, if we can not pay our debts at law, we are also benefiting from limited liability under the Limited Liability Act when we use this credit -- and that is marine insurance. 

Agencies have willfully failed to delete my disputed information. Said information is not valid proof for a reasonable determination which complies with the FCRA. Because of that fact, I DO NOT BELIEVE YOUR AGENCY PERFORMED AN ACCURATE INVESTIGATION. Mismatched data supplied to ALL XXXX  credit bureaus is negative and inaccurate information. Agencies failure to investigate properly is an intentional and / or negligent FCRA violation. Alleged debts herein were written off from a 1099 C ( 26 U.S.C. 6050 ( P ), the purchaser and original creditor accepted the dispute, and no proof of an accurate investigation was provided. Pursuant to 15 U.S.C. 1681 2 2 ( A ) companies violate the law regarding the responsibilities of furnishers of information to consumer reporting agencies. Also, 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, it is a violation of privacy. Per US CODE 15 U.S.C. 1681 B 2 ( a ) no entity can list information in my consumer report without my written permission. Per U.S. CODE 1028 ( a ) information furnished without my written permission is 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 explanation
Consumer complaint received 2021-01-24
Company: Financial Data Systems
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2015, I was in my XXXX  year of college when I was XXXX XXXX  and taken to the hospital. Most of my time there was a blur as I was very injured and drunk, but an advocate from the local XXXX crisis center as well as my mother were with me. I was given a XXXX kit but told that I wouldnt have to pay for anything because care for XXXX XXXX  victims is covered by the DOJ. 

In the years that followed I never once received any sort of bill from this visit or a notification to on that anyone was attempting to collect a debt. I only learned of the collection when, at age XXXX, I tried to apply for my first credit card and saw the collection already on my credit report. 

I attempted to contact the owner of the debt, XXXX XXXX XXXX at XXXX more than once to dispute this debt and to ask for proof of services rendered. I was never given any and told that I would have to get it from the hospital. When I contact the hospital I was told that since they sold the debt to a collection agency they too dont have any record of it. 

This debt has been negatively impacting my financial health for years without my knowledge, and to date nobody can even offer proof that I owe it, other than to say that my name is associated with the account. 

I am being constantly hurt and reminded of the worst day of my life by this predatory debt and am seeking recourse and want to find a way to permanently solve this very distressing situation.

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 2020-07-16
Company: SYNCHRONY FINANCIAL
State: CA
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:
I Purchased a new furnace and AC unit from XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX CA XXXX on XX/XX/XXXX in the amount of {$13000.00}. 
I was not advised that the loan that XXXX promoted through Synchrony Bank ( XXXX ) was a " Deferred Interest Bomb loan. " They encouraged me to use this loan, when I had plenty of alternatives via credit unions with low interest. I trusted their recommendation. They did not disclose to me any of the exorbitant rates or deferred interest penalties. Assume they just wanted to sell me the merchandise without concern for the bank 's known unscrupulous methods. I now see this bank has that track record. 
At the end of the recent loan period, they just added {$6800.00} to the original balance. This is almost 50 percent of the cost of the original furnace/AC. 
Yesterday, I paid off the residual balance to Synchrony Bank ( principal only - not the interest ). The interest rate they are charging is 26.99 percent. Also, they calculate the interest going back to the beginning of loan period - and charge that rate on the entire beginning balance. 
I learned about this yesterday, I was paying the monthly amounts electronically. Since I chose to avoid monthly statements, I was paying all amounts electronically. 
Note : If they had sent me a balloon payment balance of what was left, I would have realized it and paid it immediately. This is extremely deceptive. They deliberately keep the customer in the dark. This also occurred just when the COVID lockdown started in California. 
I received no warnings or alerts of the end of the 18 month period. 
Note : This ending period of the loan fell squarely into the first month of COVID XXXX - XX/XX/XXXX. 
I had recently lost a family member. I have perfect credit and carry no credit card debt. 
I also never saw any warnings or alerts - As soon as I noticed the balance changed ( it jumped up considerably ), I tried to reach the bank, but I could NOT reach the bank ( assumed due to COVID ) I continued to try to reach the bank. I tried using the chat tool, and that also was not working. 
I would be OK paying a reasonable amount of interest, but almost XXXX is deplorable. 
I would prefer to settle fairly with the bank and avoid litigation.

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 2023-05-27
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
I am looking over my credit report, and my credit age is being reported as only being XXXX months old. I have an account with XXXX XXXX XXXX, that is now closed, but that I had open for nearly XXXX years! With 100 % payment history at that, and I opened that account in XXXX. Screenshots will be attached. Misinformation on my report is hurting my score and leading me to many denials. Please fix this Im sure there is no way my credit age is XXXX  months old!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-28
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Paid my target credit card bill on XX/XX/2019. The total was {$40.00} and I paid the entire amount over the phone with a target customer service rep. Its now XX/XX/2019 and target is still claiming i need to pay the bill, plus their interest fees. I spoke with target customer service again and explained that I paid the bill over a month ago via the phone with a target rep, and target is claiming that phone payments sometimes get lost in their " control system. '' ( I have no idea what that means ). I even called target again and did a three way call with my bank. My bank verified to them that the funds were withdrawn from my account and sent to target, and that it posted on my account on XX/XX/2019. Target doesnt care and are simply demanding more money. Total scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2021-09-02
Company: EQUIFAX, INC.
State: TN
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Essential Lending Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a loan from Wise Loans in XXXX. Unfortunately, I ultimately allowed the loan to default. I received a call yesterday ( XX/XX/XXXX ) from a company called XXXX who claimed they represented Wise Loans and said Wise Loans wanted to take me to court. Unfortunately, they called me at XXXX and caught me completely off guard so before I could do any research, I reached a settlement, made a payment plan and paid them {$190.00} yesterday. 

I have attached the payment plan and a voice recording of the voicemail that was left to this complaint. There is no address underneath the company logo and the statement " this is ____ this is a debt collector attempting to collect a debt " was not stated. The phone number and extension of " XXXX XXXX '', whom I spoke with, is XXXX XXXX. 

I googled the company XXXX and the number they called me on and I could not find anything. In fact, there are similar complaints : ( XXXX XXXX   XXXX ). I contacted Wise Loans and asked if they could confirm that they were represented by the arbitrator XXXX and they directed me to XXXX XXXX XXXX. I called XXXX XXXX XXXX and gave me the name and phone number of the company who now owns my debt, XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief