BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-28
Company: EQUIFAX, INC.
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:
On XX/XX/2020 I disputed information on my credit report I waited the 30 days they sent me a letter saying it had been verified. So I contacted the court and they sent me a letter saying they didnt verified it. So I sent the letter asking how did they get their information from and to send me the verified information they refused and said it was verified. I never received how it was verified nor did they send any information and today it remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: Navient Solutions, LLC.
State: WA
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:
I will retire in XXXX, but Navient ; due to their charging me INTEREST ON CAPITALIZED INTEREST, will cause my student loan payoff at end of XXXX ( 7 years later )!! THIS CAN NOT BE LEGAL! I have seen there is a Civil CLASS ACTION Suit Against Navient. I WANT to be part of this Lawsuit!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
The week the 1st initial payment was due I became very sick. I c as called the manager to  inform her of my prognosis. XXXX of my small children were also very very sick. Had been in the ER WITH XXXX OF THEM ALMOST 72 HRS BACK AND FORTH BETWEEN XXXX OF THEM. I HAVE MEDICAL DOCUMENTATION TO PROVE MY WHEREABOUTS AND CONFIRM THE SEVERITY OF MY SITUATION. SHE WAS NOT UNDERSTANDING AND WAS ADAMANT I COULD NO LONGER MAKE MY INTIAL PAYMENT BCZ MY ACCT WAS SENT TO COLLECTIONS. AFTER ONLY 1 WEEK. ABSOLUTELY RUDE AND INCONSISTENT WITH PROTOCOLS AND PROCEDURE 'S.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been a costco customer for close to two decades. I never had a problem with XXXX XXXX costco card. Then in XXXX visa took over and what a mess it created. for more than a year they did not issue the new card, did not have customer service and kept lying about that XXXX XXXX would not give the customers ' files to Visa. I was reading the Federal Reserve and OCC articles violations & fining Citi bank over XXXX XXXX  since XXXX. This is the bank that got one of the largest bailout XXXX XXXX during the XXXX financial crises. That was our tax money at works. They spent most of it on re buying their shares and paying high bonuses to the same executives who caused the crisis. 
I lost my job in XXXX and applied for unemployment benefits and finally was approved in XXXX. Like millions of other people I thought I would get paid all together for 16 weeks.It did not happen, only one week. PA PUA owes me 15 weeks and my congressman and state senator have been working on my behalf. But so far I have not seen any money. 
CitiBank Visa knows about my situation because I have been very upfront with every lender to which I owe.Now as I talked to them months ago, I had a verbal promise that I paid the principal the late fees and interests would be waived. Since XXXX I have been true to my side and I think I should be able to pay the debt in two payments maybe three. If I get the stimulus check I will pay right out one shot. after making large payment as I promised now they are playing this second graders game : " OH, we tried the system doses not allow us '' .I want CitiBank to do the right thong as promised. 
well I spoke to a staff attorney in Pennsylvania Attorney General Office of Consumer Protection who advised to file this complaint first.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: Trident Asset Management, L.L.C.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom It may concern, I request validation of this debt per Texas  Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 Please note XXXX, XXXX, and XXXX  are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. 
Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files.

I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

Please reply with your response immediately Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPals are XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
I tried to reach out to all 3 credit reporting bureaus with no success. 

Due to Covid-19 my only source of income other than my Social Security are my EDD payments. Unfortunately my EDD account has been flagged and suspended until I can re-verify my identity which I can not due because my driver 's lic. and passport have expired and they are the only 2 ways to start the verification process. I have applied for a new lic. which can take up to 6 weeks to receive. 

Consequently I have not been able to pay many of my bills on time or in full. This has dramatically effected my credit scores. I am hoping that there is a way to intercede on my behalf to remove negative comments until my EDD payments resume.

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 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
As a federally protected Consumer, I am here to contest any purported claims you are now reporting on my credit record as consumer debts. I am not responsible for this debt, I do not have a contract for this account, and you have not provided me with the initial application as requested.

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 2023-01-03
Company: Retail Merchants Associates
State: LA
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 did not give consent to send my personal information to this creditor. This is a violation of the HIPPA law as well as my privacy. What was the method of verification? And there is no proof of how the debt was validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Mortgage Research Center, LLC
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: Investigation took more than 30 days

Complaint:
I filled a dispute in regards to incorrect items on my credit report and it has been well over 30 days and I haven't received any investigation results

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: Army and Air Force Exchange Service
State: NM
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've been trying to buy a home through FHA. Two of the credit reporting agencies reported accurate information. The third, XXXX, first was locked, I could not gain any info. Then with the help of my finance consult, on XX/XX/XXXX we finally found someone that understood our problem : My credit report contains information on someone else with the same name that is DECEASED. And two accounts specifically, XXXX/MILITARY STAR, are on my report. They are not mine, have never been in the military, and I am not DECEASED. We filed a dispute XX/XX/XXXX and about 3 weeks later, someone finally discovered the problem and DELETED the XXXX account. So I thought that would solve everything, since they had lumped XXXX and MILITARY STAR together. So when my finance person and I went back to see what XXXX was reporting, in order to finalize my FHA loan, before I lose ANOTHER chance at a home, it still showed MILITARY STAR on my report, that I am DECEASED and the account has been closed since 2015. The only info I have on this account is in the report, with the number of the account as XXXX ... ... I need this off my report! Otherwise I am never going to be able to qualify for the FHA loan! It is now the second week of XXXX and I am getting very frustrated with the whole system. I am going to try to contact MILITARY STAR again to see if I can get anyone that can help and understands what I'm talking about. I am so upset that I might lose my chance at this house!

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 2020-03-04
Company: DISCOVER BANK
State: TN
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:
Hello ConsumerFinanceProtectionBureau, and Discover Financial Services I'm writing in dispute to my account. It appears my card has been skimmed somewhere, some how and for some reason. 

I'm requesting any payments made to XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX or however it appears on your end, XXXX XXXX, immediately be reversed and returned to me as soon as possible. 

It turns out someone also made fake payments to my account just to keep flipping the balance back and forth. 

At this time I will not be accepting any calls, everything must be done through the CFPB Portal, or by email. 


I've attached a statement to verify myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
State: CT
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:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as 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
Consumer complaint received 2021-03-26
Company: Bread Financial Holdings, Inc.
State: OH
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:
Due to the pandemic my income took a large decrease and I was not able to make a payment ontime for an account : COMENITYCAPITALBANK/ZALE # XXXX in the month of XXXX 2020 and now I have a 30 day past due for XX/XX/2020 and is affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I SENT PAPERWORK TO CITIZENS. DUE TO IDENITIY WAS STOLEN AND THEY STILL CLOSED MY BUSINESS ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: AMERICAN EXPRESS COMPANY
State: DC
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:
On XX/XX/XXXX I redeemed XXXX XXXX XXXX XXXX for what I believed would be 2 {$100.00} gift cards ( they are advertised on the rewards site as gift cards ). I bought them with the goal of immediately using them to buy a round trip ticket from Washington to NYC for travel on XX/XX/XXXX. Instead of gift cards as I believe would be reasonably understood from the marketing, I received, by mail, 2 {$100.00} gift certificates ; these did not arrive until XX/XX/XXXX, precluding me from getting a better price on my train ticket, which rose by {$100.00} in the intervening time. The certificates are only redeemable in person at an XXXX ticket counter. I had purchased the certificates under the assumption that they would be usable as any other gift card, through the XXXX website. I do not believe the expectation that in this day and age a consumer redeem paper certificates at a ticket office is reasonable, particularly because the most likely time for a consumer to do this would be at the train station, thereby guaranteeing the highest purchase price and lowest redemption value of the certificates. I live across town from the ticket office and can not invest the additional hour to redeem them in person independent of a trip. I further find it misleading to market these products as gift cards through the rewards website. When I called to complain ( Amex does not take electronic complaints ) I was told that I could not be refunded ; when I asked to escalate I was denied the opportunity to speak with a manager.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-20
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was notified on XX/XX/XXXX that my account was past due. The balance was {$80.00} on the letter When I tried to call them to pay, they informed me that because the due date was XX/XX/XXXX they had charged another late fee and the total amount {$120.00}, without telling me or giving me time to make a remedy

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: Experian Information Solutions Inc.
State: MA
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: Problem with personal statement of dispute

Complaint:
I contacted Experian regarding an account listed on my credit report, as XXXX XXXX, advising that the account was not mine and I do not recall having opened this account. I initially reached out to the creditor for information and have been ignored several times for documents. I then submitted a dispute with Experian sometime in XX/XX/XXXX. I received a notice stating the account was verified as mine. I sent a letter last month, XX/XX/2018, requesting for the information that was obtained from the creditor that proved the debt was in fact mine. I explained to Experian that the creditor had ignored my requests for physical proof and because of that, additional research needed to be done to show prove this validation by the bureau. I asked for the name of the person spoken to that validated the debt, date and time debt was verified, and account number, balanced owed and proof of any payments. I was sent another notice stating this was already addressed and further investigation would not be done. 
The creditor doesn't have a stellar reputation in my state and is already ignoring my requests for physical documentation. In this case, the bureau needs to actually investigate the authenticity of the account and not ignore my requests. It is my right as a consumer to obtain this physical and contractual proof if requested. Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: Experian Information Solutions Inc.
State: CO
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:
There are many mistakes appear in my report without my understanding.

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 2021-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
Transunion violated my consumer rights.YOU VIOLATED MY CONSUMER RIGHTS ACCORDING TO THE UNITED STATES CODE Per. 15 U.S. Code 1681b - Permissible purposes of consumer reports In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Per. 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of 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 2017-12-21
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
On XXXX XXXX 2016 I had XXXX bitcoins which was worth about 3000 US dollar back then transfer to my wallet in Coinbase the transfer was successfully processed but the coin never showed up in my Coinbase wallet it seemed before the money go to my wallet they transfer it to 2 diffrents wallet that I had no clue I contact them they asked to send everything that I had I sent them but no one can really give me a real answer all they told my account is at level 10 right now no real answer I have all the screen shots to support my claim it is very scary I had the money send to that wallet so I can invest it but Coinbase try to steal my coin

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation