BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-18
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had received notice of an attempt to collect the debt in the past, but I've been unemployed for 2 years and my spouse had been unemployed for most of the last year, so I held on to the information. I reached out to the debt collector on XX/XX/XXXX through their contact portal. I specifically told them that I was currently employed and would like to negotiate a settlement since I was currently solvent through email. I received an immediate verification that they had received my request and would respond back, via email as requested, to my request. I've not heard a word and my request was to only receive email communication. Since I'm willing to negotiate a settlement, I figured they would want to work with me quickly, but this seems to not be the case. I also require debt verification at this point according to Texas debt collection laws, which I've not received. The Texas laws can be found on the Texas Attorney Generals website.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-22
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I created a coinbase account on XX/XX/XXXX, I completed my ID identification by uploading my 'temporary ' US driving license which was accepted. The coinbase stated that I was verified and ready to go. Then I linked my XXXX XXXX XXXX account and deposited XXXX dollars in it on XX/XX/XXXX. When I tried to buy bitcoins it didnt allow me and asked me to input my SSN information ( which I do not have because I am an international student on an XXXX XXXX ). At that moment I realized it is not possible for me to trade on there since I do not have a SSN, so I tried that to pull my unused/untraded money out of my USD wallet and back to my bank account, but it is also requiring a SSN, which I do not have. Basically I am trapped because the website allows you to deposit after uploading your ID but only requests SSN information when trying to sell/buy/withdraw. I have called them multiple times, reached out to their twitter, reddit accounts, no response. I also submitted a ticket on their website, in which they have responded around 5 times with automated repeated messages and then close the case each time, and I have to re-open it. 


PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: TRUIST FINANCIAL CORPORATION
State: MD
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 XXXX that you have included SUNTRUST XXXX XXXX information in my credit profile on XX/XX/XXXX and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I respectfully sent in notarized and certified letters on XX/XX/XXXX and still no response. 

Also, please add a promotional suppression to my credit file. 

This company is NOT responding and reporting inaccurate information on my credit report. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you,

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 2019-05-13
Company: DCI Credit Services, Inc.
State: ND
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
on the date of XX/XX/2016 my boss was talking to me about something, and it was payday ... i looked at my check stub and i noticed a garnishment in the amount of {$200.00} taken from my check, i had to call payroll and ask them what this was about regarding the garnishment, i asked why i never received any documentation. was never told why i never received any documentation, i was never notified, so they talked to someone about my debt, threatened them with arrest or something. i was also at my bank on the date of XXXX and saw someone talk with a bank teller asking about my information, she told him that she cant give him any information like that, he threatened to have her arrested. also on the date of XXXX at my previous employer XXXX  XXXX, a debt collector came in to my job and asked for imformation about me, which she never gave, he again threatened to have my boss arrested, also on the date of XXXX, my current employer received a call from the debt collector, later in the day they informed me that they were just " verifying something '', i asked " verifying what ''? i was never told or notified of anything, the debt collectors are : DCI credit services INC, XXXX XXXX XXXX XXXX XXXX, ND XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: Experian Information Solutions 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:
Hello and today I noticed an account on my Experian consumer file that is currently under re-investigation. It change to charge off today without answering the earlier requests. As the amounts have been inconsistent and reporting inaccurately. As of today all of my request for evidence of the original creditor, contract, credit insurance disclosure, payment history, interest rate and pay-off disclosure have unfortunately been ignored by XXXX XXXX XXXX XXXX who appears to be be reporting inconsistent information regarding this charge off, The account number on XXXX appears differently than on Experian. The first date of delinquency reports XX/XX/2021 but the payment history reports XX/XX/2021 as current payment. The comment section appear differently further negativity affecting my creditworthiness during my financial hardship. Thank you for your attention.

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 2021-12-05
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:
Hello and today I noticed an account on my Transunion consumer file that is currently under re-investigation. It change to charge off today without answering the earlier requests. As the amounts have been inconsistent and reporting inaccurately. As of today all of my request for evidence of the original creditor, contract, credit insurance disclosure, payment history, interest rate and pay-off disclosure have unfortunately been ignored by XXXX XXXX XXXX XXXX who appears to be be reporting inconsistent information regarding this charge off, The account number on XXXX appears differently than on Transunion. The first date of delinquency reports XX/XX/2021 but the payment history reports XX/XX/2021 as current payment. The comment section appear differently further negativity affecting my creditworthiness during my financial hardship. Thank you for your attention.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-19
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was purchased marketing & promotional Services from XXXX XXXX aka XXXX  he put my song on XXXX for XXXX which was not the deal his services are SCAM not correct. He says to bad no refunds I called PayPal over 7 times & Filed a Dispute almost 30days later they file it in the Scam sellers Favor

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: TD BANK US HOLDING COMPANY
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a TD Beyond Check on XX/XX/XXXX as part of a promotion to receive {$300.00} bonus upon opening the account and receiving {$2500.00} in direct deposits within 60 days. The terms and conditions say the bonus is available to " new personal checking Customers who do not have an existing or prior personal checking account at TD Bank within the proceeding 12 months. '' I last had a TD Bank Premier Checking account over 12 months ago. The previous account was opened on XX/XX/XXXX and closed on XX/XX/XXXX. This complies with the 12 month language that was stated in the terms and conditions when I opened the account on XX/XX/XXXX. 

When I contacted TD Bank I was informed I was not eligible for the bonus as I was a previous account holder. They stated the promotion contained the following language " '' Customers who received a bonus on a prior checking and/or savings account do not qualify. '' However I maintained screenshots of the terms and conditions from the date which I applied and this language was NOT part of the terms at that time. ( see attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
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: Account status incorrect

Complaint:
The account was closed paid and o balance but it continue to report account as late and it keeps affecting my credit report. Each year it places a annual fee and if I don't pay it is shows late. Even thru I am not able to use the account. I have disputed the accounts several times but it keeps coming back account verified. I tried to send a cert letter to address know to system but it was returned attempt unknown. I really need help because it keeps dropping points on my credit report and I am unable to apply for credit and its not my fault.

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 2018-09-04
Company: Total Card, Inc.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ON XX/XX/XXXX I submitted a complaint with the CFPB about The company TOTAL CARD INC ... total card was sent a certified letter asking for proof of the account which I asked for the original signed contact,,, so this why I filed a complaint with the cfpb,,, they failed to send me the proof within 30days,,, they responded back to the cfpb stating that they sent the attached original contract with the first response,, that was not true,,, there was no original contract attached to the 1st response,,, so I refiled another complaint because no original contract was attached ... this is not right the company was given ample amount of time and chances to provide the proof that I requested.. its been way past 30 days and I have yet to receive my proof of contract with the original signature on it,,, total card responded to the 2nd complaint on XX/XX/XXXX stating on XX/XX/XXXX that the original was mailed, as of XX/XX/XXXX, ,today is XX/XX/XXXX and no mail has came to me,, this is not right this company has violated my rights as a consumer and the account needs to be removed from my file,,, the account is reporting inaccurate on my credit reports,,, please delete the accounts from my file,, or I will filing a small claims,,,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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 distressed that you have included CAPITAL ONE information in my credit profile on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I respectfully sent in notarized and certified letters on XX/XX/XXXX and still no response. 

Also, please add a promotional suppression to my credit file. 

This company is NOT responding and reporting inaccurate information on my credit report. 

Under federal law, you have XXXX ( XXXX ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. 

Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-05
Company: CITIBANK, N.A.
State: FL
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 have been a credit card customer with Citibank with an ontime payment history for 35 years. I lost my card while traveling internationally on XX/XX/XXXX. I immediately reported the loss on XX/XX/XXXX and confirmed with a second phone call on XX/XX/XXXX. A payment on my account was due on XX/XX/XXXX, which I made by phone in the amount of {$450.00}, which was acknowledged by Citibank with a reference number of XXXX. On XX/XX/XXXX, I received an email from Citibank with the subject of " You Missed Your Payment Due Date ''. A late fee of {$25.00} was charged to my account, along with interest on the full balance of the account. Bank records showed my payment cleared my checking account on XX/XX/XXXX, and Citibank was in receipt of those funds. I spoke with Citibank immediately on XX/XX/XXXX regarding the missed payment notice, and again on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. According to Citibank, since the lost card was closed and another one opened, they are having difficulty applying the payment to my account, even though they acknowledge that Citibank has received my ontime payment. Apparently, phone representatives can not see the payment, but supervisors can see it with some additional investigation. I have been told repeatedly that my account will be credited and will not be listed as past due, but the payment still has not been credited, and my account is now listed as 15 days past due.

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 2018-01-22
Company: Harley Davidson Financial Services 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: Investigation took more than 30 days

Complaint:
Back in XX/XX/XXXX I was behind on my bike note. I then sent {$4500.00} in cleared funds to Harley Davidson. That pmt put me in a current status and paid me up the next at least 5 months. I disputed the balance with the credit agencies since Harley Davidson never updated the balance. Harley Davidson never responded to the credit agencies within the 30 day limit by law they give them, so the line of credit was removed from my report. I have called and spoken with supervisors from Harley Davidson since XX/XX/XXXX. and have been informed that they will put in a REINSERTION OF THIS TO MY CREDIT REPORT WITH ALL THREE CREDIT AGENCIES ... BUT STILL HAVE NOT DONE THAT. Per XXXX they are reporting each month, BUT THEY HAVE NOT PUT IN A REINSERTION OF THIS TO BE RE ADDED TO MY CREDIT REPORTS, SO RIGHT NOW I AM MISSING THAT LINE OF CREDIT ON MY REPORT AND IT HAS AFFECTED MY REPORT SINCE XX/XX/XXXX. THIS MATTER HAS BECOME VERY STRESSFUL AND EXHAUSTING. I NEED HARLEY DAVIDSON TO REQUEST A REINSTATEMENT OF THIS LINE OF CREDIT BACK TO ALL THREE MAJOR CREDIT AGENCIES. 
THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX Balance {$540.00} XXXX XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX XXXX Balance {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: Global Lending Services LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently purchased a car through a dealership, XXXX XXXX. A few days after purchasing the vehicle the company who financed the vehicle, XXXX XXXX XXXX, called asking about the deal, where I was informed that the down payment XXXX XXXX asked for was double what I was suppose to pay. After clearing up that issue the week continued. After a week of documentations not being handled, returning the car for break issues, coming to the location about 4 times, and calls not being returned, the dealership gave me a call and asked me to come into the location to sign a missing document. When I arrived at the location I was informed that the finance company backed out the deal because of the down payment issue. I was told by the " finance manager '' that it was my fault the company back out because of the down payment issue. After reminding the man that he was the one who told me and my boyfriend, upon signing the contracts, to bring in the additional {$500.00} two weeks later, I asked to speak to a manager in a position over him. He informed me that they ran my credit again without my authorization and I had no choice, but to either pay the new doubled down payment and higher note through another company or give them the car in a few hours. I left the dealership and called the finance company who informed me the truth. The company had backed out the deal because the company sent over a warranty with someone else 's signature not mine. I also declined the warranty upon finalizing contracts when they asked if I wanted the warranty, they still proceeded to add the warranty after I left the dealership, without my knowledge. The finance company did send the warranty part of the contract, with my disclosed information on it. Also, after deciding to go look at other dealerships. I was informed by a few dealerships that XXXX XXXX " shot gun '' my credit everywhere, adding numerous inquiries to my credit. Two dealerships would n't offer to run my credit because of the numerous inquiries. The salesman from XXXX XXXX, then called me and told me to bring in the car his manager is leaving and that " they are doing me a favor. '' The manager would not even speak to me personally when coming in to get a refund. They made me speak to a salesman who never played a part in any of the issues & contracts, who basically tried to make me settle on two more contracts. I denied both contracts and opted to deal with another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Just recently received ( XX/XX/2019 ) this notice in the mail with no return address dated XX/XX/2019, asking XXXX XXXX to give them my banking information, and a copy of my car loan. This company Portfolio Recovery has already withdrew money from a bank account that they have access to, they ( Portfolio Recovery ) goes to that bank account to get funds monthly, there is no need to to continue to get information that they already have. This company has also failed to produce a signed contract that I've signed to prove the money owed on this alleged debt, but still continues to collect money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: VA
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 # xxxxxxxxxxxx XXXX XXXX XXXX XXXXXXXX XXXXT, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX/ Dept of Ed XXXX XXXX XXXX XXXX XXXX XXXXXXXX/ Dept of Ed XXXX XXXXXXXX XXXX XXXX XXXX XXXX/ Dept of Ed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Associates XXXX XXXX violated my rights. 

15 U.S.C 1681 section 602 A. States I have the 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 explanation