BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-01
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have a CITI business credit card, and one of the perks is If you spend {$30000.00} annually, you will receive {$99.00} certificate for a companion ticket. 

I have yet to receive my certificate for the 2018 year. I have been trying to get this resolved for over a year now. I have called in multiple times to CITI and request they resend one out because there excuse was always " we issued it, so were not sure why you aren't receiving it. '' Finally, they said they would re issue a new one, and I never received it. and by the time I followed up, they said that it was to much time that has gone by. One time I called in, they tried telling me that I didn't qualify that year. Attached I have submitted my statement for XXXX clearly showing that I well spent over the Minimum of XXXX annually. 

One of the main reasons I have this card is for this reason/ perk. I travel, a lot for business. You would think because I've been a CITI member for so long and spend so much annually that they would just re issue me one.

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 2020-07-01
Company: URS Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX XXXX contact number provided was XXXX from URS Solutions has been harrasing me with calls, threatening to garnish wages, take me to court. He called my place of employment 4 times after i asked him not to call my employer since i can not take personal calls. He failed to provide me a validation letter and bully me to provide payment information right away.

Company response to consumer: Untimely response
Consumer complaint received 2018-10-19
Company: AMERICAN HONDA 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: Account information incorrect

Complaint:
XX/XX/2018 I was involved in a rollover accident as the driver. The vehicle was registered to my husband and I had co-signed on this car loan. We both are seniors and XXXX persons. XXXX is a XXXX yr. old XXXX veteran ( husband ). There was loss of property and I was the only person involved hurt. The insurance company ( XXXX ) spoke with XXXX about this claim. He was informed that the vehicle was totaled and would be paid off. Even though Honda Finance was contacted XX/XX/18 by XXXX and provided payoff information ; we both have been reported late to credit agencies. There was never a late payment on this account before this accident. However, a Honda Financial supervisor later told me there was a legal obligation to report this vehicle payment as late. Despite admitting  knowledge that the insurance was paying the debt off, the severity of this accident and impeccable credit history. During this period I was involved with a mortgage lender and was informed by them of this late payment on my report. I have yet to receive anything from the lender ( Honda ) regarding reporting this matter. I did receive a letter dated XX/XX/18 stating the vehicle was paid off. The fair reporting should reflect our true history, not errors of insurance companies or misinformation provided by these company 's. It appears extremely subjective when my lender informs me, he has seen this type of payoff debt removed for other clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: AR Resources, 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:
On XX/XX/19, I checked my credit report and I called multiple times to AR Recovery. Each time I called they wanted to verify information i am not comfortable with, nor obligated to share with anyone I do not know. I validated my name and address and that this account was on my credit report. I have never received any correspondence from this company, which if they are a collection agency is required. Nor does the credit report list any information to show which account they are referring. I am not paying any balance I do not know, nor would you. 

When i called AR Recovery, I disputed this debt and refused to give out my personal information further than address. This company wont let you go any further and actually hung up on me three consecutive times. I dispute this debt. I do not trust this company to house any information related to me and require that a document showing the validity. I don't know who they are, i don't know which account they are representing, i do not have any outstanding debts. 

The FCRA is pretty clear in its law that requires you validate whichever debt is on my credit report or remove it. You can not just hang up on people because they refuse to verify their SSN. You are required to provide customer service, yet you can not even handle a typical situation. These agents were very rude and hung up on me three times. One collector even advised that " He is the Compliance Manager '', he also seemed to call me a profane name in another language, which i called him out on and then he hung up on me. Either validate the debt or remove it, but you can not just hang up because the conversation isnt going the way you want it to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: Coinbase, Inc.
State: PA
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 could not access my Coinbase account on XX/XX/2020. My XXXX authenticator code did not carry over when I bought a new phone. I locked my account to ensure no-one else could access it. I reached out to support and they responded 6 weeks later via email. I was unable to speak with a real person. Support told me they were going to disable 2 factor authentication so I could access my account but that never happened. They asked me if the issue was solved and I said no. They ignored my response and closed my support ticket.

Then 3 weeks ago I found my XXXX Authenticator code in some of my stored documentation. I was able to successfully authenticate, but since I locked my account, I was asked to verify my identity. I proceeded to upload my license and a picture of my face. The system denied me saying it didn't match their records. The records did not match because I recently moved and have a XXXX license. When I opened the Coinbase account I was living in XXXX and uploaded my XXXX license. I submitted another support ticket three weeks ago and have yet to hear back from them. 

This issue would have been resolved months ago if Coinbase employed real support humans to resolve edge case issues like mine.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: MI
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:
If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation i have sent specific letters to XXXX XXXX XXXX  XXXX experian asking to them to verify all debts, they have wrong dates, wrong information to them as well. These items shall be removed expeditiously XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2021-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Do to the Covid-19 shut down i was out of work at no fault of my own so i was late on my payments but i call all my credit card companies and they said they were going to fix it and we came to an agreement of payments that are being made on time as they are on autopay through my bank. I work for the school district and they all shut down. 
so I feel the last charges on my 2020 payments are not mine. 

thank you very much XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
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:
XXXXXXXX XXXX was opened by someone else do to the XXXX  credit breach it found that it was opened do to the XXXX Credit Breach was deleted by 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 2020-07-01
Company: EQUIFAX, 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:
The name XXXX XXXX XXXX appears on my credit report I called XXXX XXXX and they became XXXX XXXX in XXXX They are aware that this XXXX XXXX XXXX is a fraud and trying to collect debt that does not exist from consumers My credit report says this account was opened on XX/XX/XXXX The amount they say I owe is {$110.00} Please contact me at XXXX and please stop this fraud from happening to me and others. 

Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone stole my information and opened accounts fraudulently while working on opening my business and applied and created all kinds of inquiries in my name ....

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 2020-07-01
Company: SYNCHRONY FINANCIAL
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am filing a complaint against CareCredit /Synchrony Bank . In approximately XXXX, I took out a loan for {$9000.00} for XXXX work. CareCredit indicated as long as I made monthly payments on time, there would be no interest charged. I made final payment in XXXX without ever paying interest. 

Due to a XXXX  emergency, I had to take out another loan for {$2600.00} in XX/XX/XXXX. I again made timely monthly payments so far totalling {$500.00}. I was recently notified by CareCredit/Synchrony Bank that unless I pay my bill in full, I will have to pay interest on the full original amount borrowed. I notified Synchrony Bank that my son had been helping me financially but due to Covid-19, he is now unemployed and can not help me at all. I requested a waiver of the interest and received a letter stating, " Unfortunately, we are unable to accommodate the changes requested to your financing promotion because the terms of the promotion were established at the time of the transaction ''. Payments will be difficult for me. I am a retired XXXX-year-old and live on a fixed income. Is there any course of action I can take?

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 2021-06-09
Company: EQUIFAX, 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:
Dear Credit Bureaus, Attention : Compliance Department- CEO only According to my research, your company may not include in a consumer credit report any adverse, inaccurate, or unverified information without physically verification and valid to be 100 % truthful accurate, timely, complete, current, and compliant to prove now or delete this unverified information immediately. 

XXXX XXXX XXXX XXXX If inaccurate, incomplete, or unverified, I demand deletion. 
XXXX XXXX If inaccurate, incomplete, or unverified, I demand deletion. 

These inaccurate accounts are unjustified. I need immediate deletion of these unverified allegations to meet standards of the FCRA. Any and all of the aspects of alleged account information must be documented to be proven of my responsibility to be adequate and within compliance to properly and fair reporting according to the FCRA. If you are unable to provide me with any copies of verifiable proof justifying the reportability of any derogatory account reporting within 15 days by challenging compliance of the FCRA reporting procedures to be 100 % accurate and complete, then you must delete all accounts of illegal and dishonest procedures bases on the assumption of this misleading information reporting on my credit file. 
Provide physical proof of verification or delete each account permanently. 

Respectfully, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Texas XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity thief. My information was exposed in 2017 through equifax data breach. This information has been confirm on their website and the account were never created by me. The account itself fail to display my full name and dosent fully verify any of my information. I sent multiple request through the credit beau to investigate the information and send me any document that will let me identify the account belong to me. Even though the creditor they can not verify any of the information. I would like to see document or paperwork to know how my information was verified not just the person on the phone stating that it was. I recently got evicted from my building because they change ownership and i can not get approve for a new place to live due to the state of my credit. please resolve this matter immediately.

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 2017-08-01
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On X/XX/2017, I sent a letter to Equifax, XXXX, XXXX to please update my credit report to reflect the following and delete the old information as requested : My full legal name is XXXX XXXX XXXX. Please delete any other derivatives of my name. My current address is XXXX XXXX XXXX XXXX XXXX, Missouri. Please delete the old addresses and update the address with the ones above. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. My current employer is XXXX XXXX. Any other employment names are to be deleted. By the provisions of the Fair Credit Reporting Act, please have these items be removed from my report. Please send an updated copy of my credit report to the below address. According to the act, there shall be no charge for the updated report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Account Number : Current Employer : XXXX  2. The following personal information is incorrect Account Number : Addresses : XXXX XXXX XXXX XXXX md XXXX 3. The following personal information is incorrect Account Number : Addresses : XXXX XXXX XXXX  XXXX XXXX md XXXX 4. The following personal information is incorrect Account Number : Addresses : XXXX XXXX XXXX XXXX nc XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Since XX/XX/2017, I have been attempting to determine how many qualifying payments I have made under PSLF. I have called customer service repeatedly, and they have not been able to give a consistent answer. In XX/XX/XXXX it was 3 payments, and today it is 9. I have not been able to determine exactly why they have not counted the payments. The answer to that question is different every time I call. Today, I spent almost 90 minutes trying to speak to a manager. I was left on hold for over 20 minutes. I was hung up on. Ultimately I was told a manager would call me back. She could not say who. She could not say when.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
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:
The name XXXX XXXX XXXX appears on my credit report I called XXXX XXXX and they became XXXX XXXX in XXXX They are aware that this XXXX XXXX XXXX is a fraud and trying to collect debt that does not exist from consumers My credit report says this account was opened on XX/XX/XXXX The amount they say I owe is {$110.00} Please contact me at XXXX and please stop this fraud from happening to me and others. 

Thank you 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 2018-10-19
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
As previously discussed and unaddressed in complaint # XXXX ... I've given feedback that the complaint was unresponsive and closed without meaningful addressing the issue ... 

The problem with the response : ( a ) I have a protected monetary interest in the money I'm owed and the CFPB stands by, impotent, to protect that interest. 

( b ) If I was a business and had a business bank acct, business address ... etc I would not have had the necessity to file a complaint. 

( c ) If PP cooperates with XXXX, a preferred payment option ... and XXXX allows me a limited opportunity to list and sell items as an individual, why must PP demand I set up a business and then CFPB stand by and allow this transgression. 

( d ) Lastly, and as confirmed in the company response ... if I do not conform to a business requirment that I am not ... My monetary interest will be returned and essentially work in concert to steal from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: DISCOVER BANK
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:
To Whom It May Concern : I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there. 
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: Garcadia Financial LLC
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This car loan was taken out without my permission. I have not idea who took out the loan. Where the car is > found out that this car loan was showing up on my credit. I took out a police report, sent a letter and a copy of the police report to the company. This is not my loan. I have also retained legal counsel to assist me this problem. This company needs to take this loan off my credit reports.

Company response to consumer: Closed with explanation