BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-15
Company: CITIBANK, N.A.
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I WAS SCAMMED BY SEVERAL COMPANIES AND I CAN'T GET ANYONE AT ALL TO HELP ME. I PAID {$2500.00} ON XXXX TO XXXX XXXX XXXX WITH ME CITI MASTERCARD. I ALSO PAID SEVERAL OTHER COMPANIES : XX/XX/XXXX XXXX XXXX {$490.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   {$590.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX ENDING XXXX XXXX TXXXX XXXX XXXX {$1600.00} XXXX XXXX ENDING XXXX XXXX XXXX XXXX XXXX {$900.00} XXXX XXXX XXXX ENDING XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} ACH PAYMENT XXXX XXXX XXXX {$1600.00} ACH PAYMENT XXXX XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX {$2500.00} CITI XXXX XXXX XXXX XXXX {$3400.00} AND {$990.00} MC ENDING XXXX XXXX XXXX XXXX XXXX  NONE OF THESE COMPANIES DID ANYTHING AT ALL FOR ME. THEY TOOK ADVANTAGE OF A SENIOR CITIZEN AND ALL CHARGES ARE TO OLD TO FILE AGAINST WITH MY CREDIT CARDS

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 2020-05-17
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello I did a report on identity theft. Gov was hey told me thats not good enough I did a police report they told me they need a lease from where I was living at the time of incident but however I was living with someone did not have a lease

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: EQUIFAX, INC.
State: PA
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:
On XX/XX/XXXX I sent a certified letter to Equifax requesting an investigation of a Chapter XXXX   Bankruptcy that is being reported on my credit file as I was affected by the Equifax security breach. On XX/XX/XXXX I received and maintain a copy of the certified receipt verifying that my request was received by Equifax. Per the FCRA section 611 ( a ) ( 1 ) ( A ), Equifax had 30 days to complete their investigation. I received no response from Equifax. On XX/XX/XXXX I sent another letter making Equifax aware that they are in violation of the Fair Credit Reporting Act by not completing the investigation within the 30 day time period.

On XX/XX/XXXX Equifax responded stating that the information was verified and is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX has failed to provide me with any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay Credit Bureau Systems , Inc, which XXXX  reports negatively that I owe this company. There is no contract. This debt is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: I.Q. DATA INTERNATIONAL, INC.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Multiple calls, offensive, pushy, rude, demanding threats made by callers. Called today XX/XX/18. Owe XXXX to a past apartment community which did not provide written statement until a month after we moved. Immediately our account was transferred to IQ Data. We called and the account was not there st the time and was told to call in 30 days. Since then, multiple harassing phone calls have been recieved although we have stated we will take care of the bill via mail.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
XXXX XXXX had a covid extension/payment assistance that was to help people affected by the pandemic, well atleast what was advertised not what was done. After, speaking with a rep about my impact from the pandemic I was told by both the Rep from XXXX XXXX  and well as it was listed on their site/mobile app that due to the pandemic more payment options were provided with extensions and option for flexible payments throughout. As I made payment to best my ability through the pandemic I was still being dock for late payments fees AND late payments on my credit reports. Iam astound how XXXX XXXX XXXX  has handled this. Ive called multiple times for the past 2-3 months and each time the reps give you the run around tells you it takes 45 days for a response. They continue to change the dates transfer you over to a supervisor who dates are different from the previous .they cont. to give a run around and not acknowledge of your concerns. These lates need to be removed

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 2021-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
On XX/XX/2021, I received a notification from the Capital One app indicating purchases had been made on XX/XX/2021. As I did not recognize these purchases, I first, check the website to verify the information where I found five fraudulent charges totaling {$550.00}. All charges were made on XXXX/XXXXXXXX between XXXX and XXXX in downtown XXXX. I live over XXXX miles away in the north suburbs. I immediately called Capital One to report fraudulent charges. The representative reviewed charges, closed the compromised card and issued a new card. I received confirmation letter from Capital One dated XX/XX/2021 but information was incorrect as only three charges were included. This was followed by a second letter dated XX/XX/2021 stating that no fraud was indicated and charges would be billed back to my account. I called on XX/XX/2021 to inquire about the reason for the decision since there was no information included. I was informed that the chip had been used for in-person purchases at all locations leading to the decision no fraud had taken place. Additionally, since the chip had been used, I was informed that this would become a dispute resolution. Not knowing the nomenclature, I assumed more investigation would be conduct. I also informed the representative that I had video evidence from my XXXX XXXX showing me at home during all timepoints the fraud was committed. Capital One provided a secure link to upload screen captures from videos which was completed on XX/XX/2021. Finally, I received notification dated XX/XX/2021 that part of my claim had been denied because I failed to initiate a return with the vendor. I can not initiate a return for merchandise I did not purchase nor am in possession of. At this point, I can only assume this will be the decision with all five fraudulent charges. 
On XX/XX/2021, I again contacted Capital One to provide explanation and relief. I was provided another secure link to upload information including screen captures from my video evidence showing me at home. This was completed on XX/XX/2021 along with a fax sent to number provided from letter dated XX/XX/2021. I am now in receipt of a letters indicating Capital One has closed it's investigation and charged my account for the fraudulent charges. 
Ultimately, this is a case of fraud and NOT dispute resolution. I can not return merchandise nor provide receipts for transactions that I did not make. Additionally, I have been told by Capital One representatives that fraud involving chipped cards being cloned, copied, or hacked is impossible. A simple XXXX search returns XXXX articles and XXXX XXXX videos indicating it is not impossible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-08
Company: Professional Debt Mediation, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I started searching around to find somewhere to live to finally move out of my mothers house I applied for a few places and kept getting denied, I had never moved out before so was wondering why I kept getting denied, I later checked my credit and saw that a debt collector that goes by preofessial debt collectors located in XXXX, so I called them and asked why that was on my credit when I never lived at XXXX XXXX, he stated he didnt know he would have to call the apartments and see. I called the apartments as well named XXXX XXXX in XXXX Alabama and spoke to the manager named XXXX ( XXXX is the apartments number ) provided my name and number and she stated there is no record of me ever living at the apartments, so I then called the management company the apartments is under which is called XXXX XXXX corporate office located in XXXX and the supervisor over the XXXX XXXX   property whos name is XXXX XXXX also verified to me that they have no record of me ever living there, she then asked me why was I having an issue with something. I told her yes it is showing up on my credit that I owe you guys and its prevnting me from getting approved. She stated that I would dispute it with the ( 3 ) credit companies and when she has to verify there is no record she will do that, I was able to have XXXX  remove it but XXXX and XXXX have not. I have disputed this already once I believe I had to redispute with XXXX and XXXX  Im just really frustrated Ive spoken to every one in the apartments complex who is management and the management company and both have verified that there is no history! I have attached both numbers and managers names so you guys can do the same research I did talk to them directly so they can advise you guys that the apartment shouldve moved from my credit. I also spoke to the debt collectors when I noticed and after I called the property and advised them that I believe the account was put in error because Ive never lived there, I also shared with him that I spoke with the property manager and management company in which they both agreed that the property should not be on my credit and they dont have any history of me ever living there, while telling a rep at XXXX XXXX XXXXXXXX what I discovered he proceeded to yell at me and say, well the fact of the matter is you are going to Pay us, it was very disturbing and they have Called constantly since! Im just trying to move forward and be able to find a place to stay. Thank you so much 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 2022-08-10
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:
Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that the Credit Bureaus look into this matter as required to do so under the FCRA. If they chose to not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. Please conduct a proper investigation this time and ensure that the items stated above are reporting appropriately as required by the law. Otherwise please delete any item that are found to be inaccurate or unverifiable or outdated. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: Coinbase, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have deposited the fund amount of US {$54000.00} to Coinbase Inc via XXXX XXXX XXXX on XX/XX/2018. Then I tried to withdraw my fund right away when I noticed that I couldnt buy/sell digital currency because I dont have SSN ( Im legal alien, not US citizen ) however they dont allow me to withdraw my fund because I dont have SSN. I tried to find out whats going on but their customer support didnt listen to me at all. 
Then I told them that I want to close my account But they said they cant close my account because I have money in my account. 

So many times, Ive asked them to let me know how to get my money back for last 5 months ( I can give you my email history and claim records ).

2 weeks ago, one of them replied me like I need to change my country in my account information, so I sent them my passport but they said they cant change my country because I got money in my account ( thats my fund that I want to withdraw ). 

It looks like they dont have willing to solve my case. Thank you so much for reading.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance with the fair credit reporting act. The list of below accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX # XXXX XXXX has 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-08-10
Company: ProCollect, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed this reported as a collection on my credit report. I sent a certified letter with signature to the company on XX/XX/2022 for them to verify the debt. I haven't heard anything back from them.

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 2019-11-19
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late 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 monetary relief
Consumer complaint received 2018-02-14
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Have been attempting to unsuccessfully get the following negative items deleted from my credit report as I believe them to have been added to my credit report not in compliance with current Consumer Protection laws XXXX XXXX account included in bankruptcy reported on Experian Chapter XXXX bankruptcy filing on Experian, XXXX  and 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 2018-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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:
CAPITAL ONE BANK FAILED TO CORRECT ALL 4 CREDIT BUREAUS TO REFLECT ACCOUNT CLOSED BY CONSUMER-CLOSED-PAYING AS AGREED NEVER LATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: Diversified Consultants, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Diversified consultants continues to report an inaccurate debt, despite numerous letters requesting the validity of the paid off amount. Instead Diversified consultants continues to send me a bill from the orginal creditor ( sprint ) that has an amount due, but never shows how the amount is accumulated, because it is inaccurate. Not only was this account paid off by me but I transferred liability of the account to the person who still has it as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: Credit Card Acquisitions Group
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
This loan was taken out for a minimal amount. I believe the original loan was {$300.00}. They pulled money out of my checking account for a lengthy time. But they continued pulling money out. I stopped payment. 

In XX/XX/XXXX a company contacted me about the XXXX XXXX account. I paid settled amount. 

Last year I received a call from XXXX at Foster and Monroe for XXXX XXXX. Since the previous settled amount was 6 years prior, I was unable to produce receipts. Foster and Monroe stated I owed {$1700.00}. Since XXXX of last year I have made payday payments with the exception of the last few months. I live on a fixed ( XXXX ) income. I tried to change arrangements to pay more manageable bimonthly payments. However Foster and Monroe refused to allow me to make smaller payments. With the exception of 3 payments, I have made the scheduled payments. This month due to medical issues as well as unexpected financial situation I was unable to make my payment last week. Now they call daily harassing me. This morning the calls began at XXXX XXXX I am XXXX XXXX and added stressors do affect my medical issues. This company is very aggressive and makes threats. I tried calling them back and left a message. I told them I could not make a payment until the XXXX and that it is not okay to call me at XXXX XXXX This payday loan has been a nightmare. Currently there are things I need that I am unable to afford because of these payments. The interest on these loans should be illegal. 

Months ago I was sent an email stating that my name was listed in a lawsuit against XXXX XXXX and that due to fact I live in NM I would not be reimbursed but the amount I still owe would be wiped out. I ask Foster and Monroe about this and they said the suit did not apply to me. I am so tired and frustrated. The payments cause me to have to make a choice of making payments or getting needed medical care. We live in a remote part of NM. I am needing to travel and see XXXX as well as go to XXXX. But I can not afford to do to these payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-15
Company: Experian Information Solutions Inc.
State: TX
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 ID THEFT. I HAVE ATTEMPTED ON SEVERAL OCCASIONS TO HAVE THE LISTED ITEMS REMOVED DUE TO ID THEFT YET THE CRA 'S REFUSE TO REMOVE THE INACCURATE ITEMS. I HAVE PROVIDED THE NECESSARY DOCUMENTS TO HAVE THE ITEMS REMOVED.

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 2019-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TransUnion has failed to provide me with any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay XXXX XXXX XXXX, which TransUnion reports negatively that I owe this company. There is no contract. 

This debt is not mine.

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