BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This letter is sent in response to the bill you sent me, in response to my debt validation letter. The bill was not proper validation of the debt and will not suffice. Therefore, I am requesting that you provide me with actual verification of this debt. 

Please send the following information : The name and address of the original creditor, the account number, and the amount owed. 
Verification that there is a valid basis for claiming I am required to pay the current amount owed. 
Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims became delinquent. 
Whether this debt is within the statute of limitations and how that was determined. 

Details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, name, address and telephone number of the state agency issuing the license. If you are contact. me from outside my state, provide the licensing information from your state as well. 

I need more details about what you claim I owe so that I can make an informed decision. 

Thank you for your time,

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 2022-01-29
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Dear CFPB, This letter is to inform you that Citibank Credit Card Company is engaging in unfair, deceptive, and predatory credit card practice. Predatory is lending that imposes unfair or abusive loan terms on a borrower. It is also any practice that convinces a borrower to accept unfair terms through deceptive, coercive, exploitative or unscrupulous actions that is misleading that a borrower cant afford and places them further into debt and fees. 

On XX/XX/2022 I called Citibank Credit cards to ask about better credit cards terms. I had a credit card limit of approximate {$12000.00}. I had been trying to diligently pay down over the last year or so. I had a balance due of XXXX with a high interest rate. My payment has always been on time. 

When I called I wanted to see if there are more favorable terms then their very high interest rate. I saw various advertisements from Citicards for zero percent interest for 12 months and related offers. 
The representative stated that the only program that I can be offered was my balance of XXXX due was a zero percent interest for 12 months. They would move the balance funds into my checking account with the zero percent interest. 
Undisclosed to me they doubled the used credit balance utilization of the card to almost its limit of approximate {$12000.00}. This dramatically doubled and drastically increased my credit card usage limit and significantly dropped my credit score, as of XX/XX/XXXX, without making any purchases. 



Sincerely, 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 2022-01-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Capital One, I purchased a multi colored XXXX jacket about from an store located in XXXX XXXX, CA however when I got home I have notice the thread is coming off. A day later I drove back to the store which is about 100 miles away from my home and told the sales clerk I wanted to return the defective jacket. Unfortunately, the sales clerk I originally purchased it from never gave me the receipt but I have the tags if that helped. She refused to return the jacket and stated that there is nothing she could do. I offered to show her a copy of my credit card pending transaction but she still refused. I would like to return it but dont live close. I have called and sent numerous emails to this company but they are ignoring me or offering any sort of solution. I dont feel like its fair I spent money on a jacket thats defective. I contacted XXXX via XXXX corporate office and they advised to dispute the transaction. Im asking the company to send me a pre paid shipping label so that I can send the defective jacket back. Please issue a refund back to my original method of payment. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: Coinbase, Inc.
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have a Bitcoin account on Coinbase.com ( under email XXXX ) with approximately {$190.00} of Bitcoin currency in it. I used this as a fun bit of speculation. I want to have the money back in hand in my bank account. Coinbase operates a system called a " Vault '' allowing you to store the Bitcoins in it, and require authorization to remove it. It requires a text message authorization, and to confirm emails from my main email ( above ) and a secondary email ( XXXX ). I have access to all these things, and yet, the approval email to withdraw my money under the secondary email never arrives. As such, any request to withdraw my money is canceled. My {$190.00} is effectively held hostage by Coinbase. 

I have contacted them numerous times, and no one helps. It is merely a standard " Here is how a Vault on our website works '' email. Their phone service also gives no way of resolving the problem or talking to a person. It is frustrating and deceitful. Please advise. 

All the best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: Capital Link Management, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 I was contacted by courier trying deliver a legal notice. They would not give me any information but stated I had to be home to accept notice of a debt that was not mine. They said if I wasn't it would be counted against me. They would not give me any information other than the debt was for my brother-in-law who my family is estranged from for over 7 years. I asked how they got my info any they would not tell me anything other than they had my info and would continue to contact me. They also had part of my social security number, which I believe was searched unethically as I am not a client of theirs and do not have any debt with them. She gave me the information of the agency employing her- Capital Link Management LLC. When I called the number to inquire as to why I was being involved they said that my brother-in-law owed a debt and that if I want to stop being contacted about the matter that I should tell him to handle the debt. They said they have been sent me many notices bother written and over the phone ( I have not had any contact with them until today. ) They said they would not stop contacting me and would be sending more notices and calling. After speaking with my mother and father in-law they are contacting them and using the same harassment techniques.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian has repeatedly denied my dispute requests and refused to open disputes via online and certified mail submissions. This is regarding accounts : * XXXX XXXX XXXX XXXX {$1600.00} original Texas XXXX XXXX which was paid by XXXX XXXX on XX/XX/21. 
XXXX XXXX XXXX CO XXXX Original UT XXXX {$82.00} XX/XX/XXXX XXXX XXXX originalXX/XX/XXXXXXXX {$600.00} I demand deletion of these accounts as I requested dispute and they have not coooperated.

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 2022-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Transunion Unauthorized Inquiries Inquiry details XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XX/XX/XXXX ( Bank XXXX XX/XX/XXXX 2021

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 2018-04-23
Company: Diversified Consultants, 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: Account status incorrect

Complaint:
Last year I called XXXX XXXX to get their cable service. I specifically ask for certain channels. The rep gave me a package and I asked over 3 times did that package have the channels I was asking for, she said yes. When the installer came out and did his job, I told him to hold on until I checked for my desired channels and they were not in the package. I told the installer to disconnect everything and he called the office and told them what I said. The rep asked to speak to me and i constantly told her they lied to me so they could take their service and equipment. The installer stayed around for 2hrs and as he was standing there, i canceled the service. I mailed them back their equipment and remotes. The supervisor threaten to charge my account over {$800.00}. So I shut down all the accounts at the bank. Almost a year later they are filing this on my credit and put an amount I don't owe them in collections. I didn't have their service for 30 min so I thought. I had XXXX installed and XXXX XXXX was still letting my account remain open after I told them I wanted it cancel. I never got a bill nor a phone call. I cant see where I am responsible for the lack of professionalism in the XXXX XXXX business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There are several inaccuracies on the personal information section of my consumer report. The first inaccuracy is the name. My name is XXXX XXXX every other reported name is not me and can lead to identity theft. Next, my address is also incorrect. There are several non mailable addresses that should NOT be reporting as I do not live there nor have I ever lived there. The correct address is in the attached letter.

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 2023-03-14
Company: Experian Information Solutions Inc.
State: MD
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:
Im accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under act 15 U.S.C. 1681 section 604 A section 2 it also states a consumer reporting agency can not refurnish an account without my written instructions. Under act 15 U.S.C. 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

For XXXX and XX/XX/2022, XXXX XXXX XXXX shows I made delinquent payments for those XXXX months, paid beyond XXXX  days past due. Please remove this from my credit reporting.

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 2022-02-03
Company: Experian Information Solutions Inc.
State: AL
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 am submitting this complaint on behalf of myself. It is sad that the credit reporting agencies can flat out violate the federal law like this. After several calls to Experian, XXXX, and XXXX and the reps hanging up in my face I am here to get resolution. This is a direct violation per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.. I not once gave the credit reporting agencies written consent to furnish my consumer report at no time per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer. I will be be taking this to the next level if this is not corrected. It clearly states that once I notify each credit report agency of any error it is to be removed and corrected. I am the consumer and I am the person to identify this information for validation. It has been almost a full year of attempting to get them to correct my credit file. I am no longer waiting and will be taking this to the next level.

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 2023-10-16
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX and Experian has lowered my credit score by XXXX points during the late XXXX and XXXX 2023 months. The Credit Bureaus has altered my score with the information that my school loan was scheduled for repayment back in XXXX. When actually I don't have a schedule repayment until XX/XX/2024.

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 2023-05-22
Company: Experian Information Solutions Inc.
State: VA
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:
Accounts appeared on my consumer report to which I had no knowledge of so I put in a dispute stating that I would like clear verification showing the accounts in question. These accounts appeared in XXXX which was the same timeframe of multiple data breeches from various Companies that exposed my personal information, Hence the fact I put in a dispute regarding the validity of such accounts it was ongoing that the 3 Credit Agency 's would each time fail to give me information that was to be provided. After ongoing disputing of these accounts, it appeared that proper attention was not given to verify them, to which I basically got ignored. These accounts had been removed from my report as again no documents had been available to confirm. I suddenly received alerts regarding a change in my report. I went online to see what had changed suddenly that resulted in my credit score dropping to a level that put my finances at risk. Upon looking into the credit report is stated 5 accounts had been opened XX/XX/XXXX by XXXX XXXX to which I absolutely knew I had not opened any accounts. After digging into this information that was suddenly put on my personal consumer report without any prior knowledge or details, it appears that the same accounts that I disputed in XXXX that never was confirmed to be mine and was removed from my consumer reports had now suddenly been placed back on my report by this XXXX XXXX. I have tried to get this resolved however without success. I have not given anyone permission to share my nonpublic personal information. I now have false information on my consumer reports that appear to other credit companies I deal with, as irresponsible which puts my reputation at risk. I have put forth all my effort in getting this information resolved. I also have a government account that shows late payments, All my payments were made on time, and I have no control over the Payment Center being behind or putting information in the system late, this has been paid in full however reflects false information regarding my payments made. Also it has detailed information regarding my social security number leaving me at risk. Please contact me

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 2023-03-03
Company: EQUIFAX, INC.
State: NY
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 previously tried to resolve this issue, be requesting information to validate this claim. The information i received in response to this was that they claims were " valid '' and no further action would be taken. In light of said response based on my first initial letters, these must be removed or i will proceed to take legal action. I am not responsible for these debts and would not like my credit profile to reflect that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: Experian Information Solutions Inc.
State: FL
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:
I have submitted disputes for an account that has been on my report since 2006 the bureaus refuse to remove the account. I have sent letters to the creditor to validate the debt they have not provided me any responses. This account has deprived me of an opportunity to purchase a home. I am a XXXX veteran and I have been XXXX so I never had time to watch my credit now that I am not XXXX I have been noticing things on my credit report that aren't accurate and fraudulent accounts and inquiries school loans etc the bureaus refuse to properly investigate these accounts. This is a violation of my rights under FCRA laws.

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 2020-01-09
Company: Trident Asset Management, L.L.C.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt reported by Trident Asset Management is incorrect. Im currently dealing identity theft by an immediate family and have been working with authorities and original creditors to settle. I do not owe this company. Having this reported along with original has caused such a negative double impact on my score. As a result, I was unable to qualify for a first time home loan and I can barely qualify for an apartment. This should not be on my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: ALLY FINANCIAL INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I logged into my online account to pay the balance due. I paid the balance due. When I logged in later, it stated I owed money. I called to inquire. The rep could not answer in a satisfactory manner. today,XX/XX/XXXX, I called again..after the run-a-round, I said how much do I owe to settle, she stated an amount higher than what balance owed said in account summary. A supervisor then explained it was for interest. How can I be charged interest when I paid the balance owed? Also, there should be some warning that the balance owed figure will not include interest and more money may be owed. It is misleading to the client. Almost fraudultent.

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 2023-03-08
Company: EQUIFAX, INC.
State: MN
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$990.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation