BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$260.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have had my Delta American Express Card for a few years and they refuse my request for an increase every time I have not had any negative activity on this card I have made all payments and kept them in good standing, They use a bankruptcy from 8 years ago as one of their reasons which makes no sense because why give me the card in the first place

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
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 XXXX XX/XX/, I transferred {$11000.00} into Coinbase account. I have had account with coinbase for longtime. But this time, though, they promise access to funds with in 5 days, they made me wait until XXXX XXXX XXXX. 

Today, I tried to access the funds and transfer it, my account got locked. The instruction was to contact support. Called the phone number and there was no response. Then I used chat to contact the customer service. 

The rep that came on named, XXXX, spent not much time in understanding and resolving the issue. He came back and messaged saying it will take another 6 DAYS to resolve the issue. 

I told him I can not wait that long and need access to the account and funds urgently. His response was it will take 6 days and there is nothing that can be done. 

Coinbase is routinely causing issues to customers it seems. On line search shows many complaints and frustration that we can get nothing done thru " customer support and there is no way to escalate the issue either. 

They said, if the issue was not resolved, then we can launch a compliant. I submitted the complaint and the automated response I got was, it will take them 45 DAYS, to reply.!!! 

I have already been delayed and now this. This is extremely distressing and they are playing games to hold on to my money illegally. This is unacceptable. 

They need to provide access to my account and funds asap. It should not take them 6 working days to get this done. I don't know if Coinbase is genuine anymore and scared that I may lose money. 

As you see in the attachment enclosed, they just list the complaint and do not show any other information that was exchanged. Everything with this company is suspicious and they are really taking customers for granted once they have access to our money. 

PLEASE HELP ASAP. THANK YOU VERY MUCH.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: Prosper Marketplace, Inc.
State: DE
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 signed up for autopsy when I applied for the card. every month since my payment of {$30.00} has come out on the XXXX of the month and my bill closes on the XXXX this month my payment wasnt withdrawn and when my bill closed it shows that I now owe {$73.00} on XXXX first I made an extra payment last month but that should not have affected my min due or auto pay. I called today and nobody gave me a clear answer as to why autopay wasnt deducted or why my XXXX payment is now {$73.00}.

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 2017-10-19
Company: Tribal Lending Enterprise, Inc.
State: IN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Repeatable calling me after written cease and desist

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 2023-08-03
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I paid for a Hilton gift card issued by American Express. American Express had a promotion where the gift card could be purchased at a slightly discounted price. I have verified that the card contains {$100.00}. 

I attempted to use the gift card for a stay at the Hilton XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The only way to attempt to use the card is at checkout upon leaving the property. There is no way to pay with the gift card upon booking or arriving at the hotel. 

The front desk was unable to process the my gift card upon checkout. She apparently attempted this in different ways and for different amounts. All were declined. I had to pay for the stay entirely with a credit card. I rarely stay at Hilton 's and it may be years before I have an opportunity to attempt to use the card for payment again. 

Upon returning home and researching the issue, I found numerous examples posted online where American Express knows about this and has not fixed the issue. You're basically playing the lottery with these cards, hoping that the gift card will be accepted. See XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: NAVY FEDERAL CREDIT UNION
State: NJ
Product: Credit 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 applied for a Navy Federal credit card to execute several balance transfers. The promotion they sent me featured and introductory APR of XXXX % on purchases for the first twelve months and no balance transfer fee. After my requested balance transfers were executed, I learned that I would be charged an APR of XXXX  % on the balance transfers I requested. This was not disclosed in any of their marketing material. They mention there's no balance transfer fee, but don't disclose the fact that transferred balances will be subject to the XXXX  % APR.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: EQUIFAX, INC.
State: TN
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 writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: SANTANDER HOLDINGS USA, INC.
State: DC
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:
My dad put a car in my name using a loan from Santander Consumers and a settlement letter was sent to my home regarding this and said I must pay XXXX immediately. I explained to the consumers that I had nothing to do with it. I even told them that the information they had had wasnt even have the correct information on the mailing envelops so I never even saw or took the letters seriously ( BOTH MY NAME AND ADDRESS APT NUMBER WAS MISSING ). I even reached out to my dad who I asked to please get this vehicle out of my name and he stopped responding to me. XX/XX/XXXX I paid Santander Consumers after explaining to them as well that I was not involved in this but Ill do what I can just to get this stuff off my credit. I never in my life had a vehicle or even know how to or what to do to purchase one.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: Fidelity National Information Services, Inc. (FNIS)
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: Personal information incorrect

Complaint:
XXXX XXXX CONSUMER REPORT XXXX IS NOT CORRECT AND THEY STOPPED ME FROM OPENING A BANK 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 2022-09-04
Company: DISCOVER BANK
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a savings account with Discover Bank on XX/XX/2022. I funded the account via ACH from my XXXXXXXX XXXX checking account, sending {$25000.00}. After I called Discover I was told that it had chosen to no longer work with XXXX. Without the option to return funds to the bank from where I had transferred the funds, I chose to transfer my money to XXXXXXXX XXXX via ACH. I was assured on the phone that this transfer would go through. Despite these assurances the transfer was cancelled and Discover Bank closed my account without providing any written or verbal communication that my account had been closed. My money has now been held since XX/XX/2022. I have spent numerous hours on the phone with Discover Bank. I was told my money would be mailed via check within 60 days of the last deposit. After waiting a couple weeks without recieving any communication from Discover Bank, I called and was told that the money would be mailed not within 60 days of the last deposit, but after 60 days. I asked numerous times for an explanation as to why my account was closed. I also asked for written confirmation that my check would be mailed and each time I was told that Discover Bank would not send me any information via email, even if this information was just confirming the conversations I had with agents. I am still unsure as to when I will receive my {$25000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have had my credit card with XXXX commenity for years I have never been late with a payment I have never missed a payment. For no reason my credit limit was dropped from XXXX to XXXX when my bill on the card was XXXX making my card maxed out and lower my credit score and increasing my debt to income ratio when I attempted to resolve this and find out why they stated that they review accounts and can lower credit limits at will when I asked why they lowered it to the point that it maxed out the card they stated there was no way for them to have knowledge of how their decision affected my credit which is ridiculous they knew exactly what they were doing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: Stenger & Stenger, P.C
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
I got a letter in the mail from XXXX XXXX XXXX for a credit card from XXXX XXXX XXXX in my name for XXXX but I don't own a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Velocity Portfolio Group
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I received a letter stating that i lost a lawsuit, the plain tiff is velocity investments llc. The process server they used lied about serving me and changed his statements about this, I have proof of this. The plain also used a false address so I missed my window to file a new motion. However I was able to get a Petition for review on this matter. The plaintiff knew what they were doing by using an address that I did not live at so they could deceive the court into thinking i had info about this case. 

If you see the attachments the affidavit is different from the statement they gave. Also it states i am XXXX to XXXX XXXX pounds, I am XXXX and XXXX pounds, license is attached, further more they stated my hair is XXXX it is XXXX XXXX. Attached you will find documents showing this. The attorney and the collection agency should be sanction for this. 

Now this a picture of my husband he is XXXX, just to show context..

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 2022-09-10
Company: Thunderbird Collection Specialists, Inc.
State: AZ
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:
I was recently made aware of XXXX XXXX XXXX XXXX violating my consumer reports when I attempted to apply for an extension of credit. I have had no communication with this company, nor did they respond to my Cease & Desist letter that was sent XX/XX/XXXX ( attached ) and addressed directly to the President, XXXX XXXX. These actions are a violation of FDCPA, FCRA, & the FBPA " The Acts ''. The Acts were created to protect consumers from harassment from alleged creditors and debt collectors. I had absolutely no idea that Thunderbird Collection Specialists had been harming my financial reputation for over a year until I pulled my consumer reports. I have no communication or contract with this company. Nor did I give this company permission to share any information on my consumer report as is required under the FCRA 15 USC 1681b ( a ) ( 2 ). Further, this is harassment as defined under the FDCPA 15 USC 1692d as well as false and misleading information 15 USC 1692e. The XXXX was created to protect consumers from violative business practices. These violations entitle the consumer ( me ) to exemplary damages. Thunderbird Collection Specialists has been in business longer than 50 years, there is no excuse for their actions. Further, several court cases support Ignorantia juris non excusat ( Ignorance of the law excuses not ) All are presumed to know the law. San Francisco Gas Co. v. Brickwedel ( 1882, 62 C. 641 ; Dore v. Southern Pacific Co. ( 1912, 163 C. 182, 124 P. 817 ; People v. Flanagan ( 1924 ), 65 C.A. 268, 223 P. 1014 ; Lincoln v. Superior Court ( 1928 ), 95 C.A. 35, 271 P. 1107 ; San Francisco Realty Co. v. Linnard ( 1929 ), 98 C.A. 33, 276 P. 368. Thunderbird Collection Specialists never had permission to be on my consumer report. Their actions provide all of the essential elements for a defamation of character lawsuit, emotional damages, and aggravated identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: IQOR US INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company calls every day, they dont say the name correctly, wont give any other info, but say they " will do what they have to '' and say it as a scare tactic. I believe this company is trying to scam people. 
In XX/XX/XXXX alone they have called 14 times and today is XX/XX/XXXX. 
They have called XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX dead silence, XXXX at XXXX told them to stop calling & XXXX I did not answer, XXXX, XXXX at XXXX & XXXX, XXXX, XXXX XXXX & XXXX. 
In XX/XX/XXXX, calls everyday as well and in XXXX I advised them to stop calling earlier in the month. They continued to call throughout XXXX, but I did not answer.

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 2023-04-25
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Experience credit reporting agency has refused to remove incorrect address information from my credit report after several contact attempts. Have provided them documentation that included my identification and utility bill with correct address on it. I attempting to remove this information to help reduce the chances of fraudulent activity on my 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 2023-02-28
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:
my credit report is showing a auto loan from XXXX XXXX XXXX for the about of {$37000.00} opened on XXXX XXXX XXXXXXXX this account does not belong to me and I would like it removed from my account 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 2022-09-04
Company: Exeter Finance Corp.
State: NC
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 reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

12 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid off a promotional balance on XX/XX/21. The balance owed on the promotion was {$180.00}. I paid {$180.00}. I was charged {$81.00} in interest. I tried to have this rectified the following month when I saw the interest charge. I sent multiple messages in regard to the interest charge. I sent another message on XX/XX/21 for a status update was told to call. I called and spoke with XXXX, then a supervisor XXXX ( female ) telling me a letter was mailed to my home which I never received stating the interest charge is valid. XXXX said that because I did not pay over the minimum each month, I owed the interest which does not make sense if I paid the entire balance of the promotion off in time. It shouldn't matter that I did not pay more than the minimum each month if I paid off the entire balance of the promotion before its expiration. I have been charged interest since XXXX so I would like reimbursement of {$90.00} and any additional interest I am charged in the meantime while this is investigated. 
**Update XXXX I was refunded the {$90.00}, however I was charged ANOTHER interest charge of {$2.00}. On top of that, this company has still not applied the payment I previously paid to the payment plan which was to be paid off in XXXX. I have asked them multiple times now to apply payments to that plan specifically to pay it off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-10
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit act XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-10-16
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I got an amazon credit card issued by Synchrony bank over 3 years ago, they gave a credit line XXXX, i've been paying XXXX dlls every month instrad of of the minimum amount of XXXX dlls. Is been more than 2 years and a half paying this amount and my a balance never change, still shows XXXX dlls balance, how is that possible?

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