BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-22
Company: Kikoff Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Well I have a email saying that there were some alert on my credit bureau which the website is called kikoff.com. I dont even know how they got my information I dont even know how they got my email and theyre pretty much watching my credit so Im kind of worry and I need this to be resolved because the number that they have to call customer service it doesnt work and the number is XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: Coinbase, Inc.
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I wired XXXX to coinbase on XXXX/XXXX/18 so I could purchase coins and trade, but it 's been 3 weeks as of tomorrow with nothing. The website said the money would be credited same day or next day, but I 'm going on around 20 days now with nothing. I 've submitted multiple tickets in hopes that I could get a response, but nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Looking at my credit report on XXXX XXXX I saw an account in collections and I never gave any company the right to share my information whatsoever. I see one for {$230.00} which is listed on my credit report as account XXXX. I sent a letter to the agency on XXXX XXXX requesting that they validate the debt and show competent evidence bearing my signature that I have or ever had some contractual obligation to pay them. I do n't know this company and they have never sent me anything stating that I owe them. The last company I reported about this same account must have sold my information to this company. As a result they are in violation of the FCRA ( Fair Credit Reporting Act ), the FDCPA ( Fair Debt Collection Practices Act ) and HIPPA ( Health Insurance Portability and Accountability Act of 1996 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 have contact all 3 credit companies and they stated they can not remove the inquires. I did not authorize any of the listing below to run my credit. I have tried to submit to remove the online and by calling, no one is able to help me. 

XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX InquirXXXX from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXXnquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX   Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX   Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX   Inquiry from XXXX XXXX, 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: 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: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX. I believe it was reporting in error.

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 2018-01-24
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have been unable to access my CoinBase account. I am not receiving their " Device Verification ''  e-mails for whatever reason. 

The account had {$300.00} in it at the time, in Ethereum ( XXXX ETH ). Currently, as of XX/XX/XXXX, it is worth around {$700.00}. 

All below dates are in XX/XX/XXXX unless otherwise marked.. 

On XX/XX/XXXX, I created a ticket through their automated system. Receiving no response, I called them on XX/XX/XXXX and was automatically dropped due to high call volume. I called again on the XXXX, XXXX, XXXX, and XXXX. In XXXX, I called on the XXXX, XXXX, XXXX. Finally, on XX/XX/XXXX, I got through to someone. 

They looked up my account, and stated that they could transfer to a new account. I had already created a new account and requested this through e-mail, but having acknowledgement that this would work was good. I received no further correspondence on this until I called again on XX/XX/XXXX. I was told that I had to wait an unspecified amount of time for a specialist to handle it. 

I have e-mailed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX asking for updates on it, receiving nothing back.

I called again on XX/XX/XXXX, and was told to keep waiting. Waiting on this for such a long time, I believe it is unreasonable, especially given the lack of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This is not my credit and both myself and visitors or being harassed by my ex husbands creditor. They left his serving papers in the driveway on the ground. He does not live here. He moved out and no XXXX bows where to locate him. I believe he is homeless. Someone told they say him in XXXX XXXX begging. I dont have anything to do with him. Yes his car in XXXX XXXX way I still make the payment on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 contacted this school several times to validate the remaining debt from this loan with collection agency. i also contacted the debt collector multiple times. my credit reports are reflecting that i paid 100 % of this debt in full, yet i'm being harassed to pay additional money which isnt accurate at all

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 2018-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
There are 90 day delinquencies on my credit report that are erroneous. I set up deferment status with the student loan company and they neglected to follow through with the status update on my file. 3 months later I received my first late notice. I called and inquired as to why I was in delinquent status and was informed that there was no deferral in place on my account. I explained that I had spoken to someone about the deferral previously and was told that I would be granted an administrative forbearance retroactively and have the delinquency taken off my credit record. 

A few years later I checked my credit report to see that the forbearance had never happened as promised and that I still had 4 separate delinquencies stemming from one bundle of loans all originating from the same lender. I believe this in itself is a unfair practice and unnecessarily burdens young XXXX  by damaging their credit excessively. 

I believe the error in reporting is due to an overloaded staff at the agency. I was very clear about the terms of deferment and forbearance on the phone but my account was not updated to reflect this.

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 2019-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX  In XXXX XXXX XXXX I notified customer service that I'd been directly impacted by Hurricane Irma and both my county of residence ( XXXX ) and employment ( XXXX ) had been federally declared National Disaster Zones. XXXX XXXX XXXX offered an assistance program to place my account in forbearance between XX/XX/2017 - XX/XX/2017 during which time payments would not need to be made, interest wouldn't accrue, late payments wouldn't be assessed and negative credit reporting would not occur. 

When billing reoccurred I disputed amount owed because it contained late fees and accused interest for forbearance period. I have disputed this reporting with XXXX XXXX, XXXX, Transition, and XXXX to no avail. This time period should not report as late, past due, or negatively impact 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 2016-04-07
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My Macys credit card had fraudulent charges and after several months Macys has neglected to remove the report to the credit bureau. This has resulted in damaging my credit score.

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 2018-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
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:
Bank of America # XXXX Dose not belong to me and I have dispute it with XXXX  and nothing has changed

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 2018-01-24
Company: EQUIFAX, INC.
State: TX
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:
There is a hard inquiry that I did n't authorize from XXXX 2017 completed by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
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: Their investigation did not fix an error on your report

Complaint:
I have ( 2 ) collection accounts on my Experian credit report from XXXX XXXX XXXX XXXX located in XXXX, FL that are fraudulent. This company has several complaints online of trying to scam people out of money and throwing fraudulent collection accounts onto individual 's credit reports. This company is a scam and they are trying to collect a debt that is not valid. They stated the original debt is from XXXX XXXX, year XXXX. Whatever this debt is, is 13 years old at this point and illegal to attempt to collect. They placed the ( 2 ) collection accounts on my credit report, stating the date of origination of XX/XX/XXXX- the original creditor verified this is not true. This does not add up. XXXX XXXX XXXX only had my maiden name, not my married name. They also were allowed to apply a hard inquiry on my credit report for new loans or new bank accounts, which Experian will not allow me to remove. Why would Experian allow them to view this information? That makes me even more of a target for identity theft. I verified with the original creditor 's new owner, XXXX XXXX, that no accounts have been sent to collections and they have no record of working with this company. I have already disputed these accounts with Experian and my dispute was denied. Every aspect of this situation smells of fraud, and I have been a victim of identity theft in the past. I am severely that my information is unsecure in the hands of Experian, and they will do nothing to help me delete these invalid items from my report. This item is past the statute of limitations for debt in Illinois to report on your 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 non-monetary relief
Consumer complaint received 2021-08-18
Company: ENCORE CAPITAL GROUP 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: Investigation took more than 30 days

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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Late fee

Complaint:
Over the past approximately six months, I have has problems receiving my mail. XXXX or XXXX pieces of credit card statements and my homeowner 's insurance bill were no delivered. This resulted in late fees plus interest charges on the credit cards and my homeowner 's insurance being cancelled. 

I spoke with my local post office twice in person and the Deliver Supervisor said she would talk to my carrier and correct the situation. I also emailed the USPS about my situation. I thought the situation was resolved until recently I received another late fee and interest charge on another Citibank credit card statement. This time I called the USPS and filed a formal complaint and was contacted by a Public Affairs specialist who contacted my local post office which verified they were aware of my situation. The specialist said she got the Delivery Supervisor 's supervisor involved and would run a 10 day test on my mail to verify things were being delivered as they should. 

As soon as I learned of the late fee being charged on my CItibank credit card statement, I called them to tell them what happened. The representative I spoke with said that it would be no problem to refund the late fee and interest charge so I paid the difference between the statement balance and the late fee plus interest charges. Only at the end of the call did the representative make it seem like there might have to be someone named and Account Services person to review/approve the late fee/interest charge refund. 

In the mean time, I signed up for online statements via email and for text alerts on my cell phone so I would know when statements were ready ( in case the mail was non-delivered again ) and so I would know if they were overdue. 

After waiting the three to five business days for review, I was told I would have to pay the late fee plus interest charges, despite my mail having been not delivered to my address and actually having been returned to Citibank ( which they verified ). And despite my explaining to XXXX, a supervisor in Maryland, the lengths I had gone through to get my mail delivery problems corrected and to set up alerts for new statements so that I would n't miss another payment date again in the future. Her response was that Citibank had made a business decision not to waive any more late fees period and that was it. I advised her of my 11 year tenure with CItibank, my mortgage with CitiMortgage and my almost perfect credit score, but she was not swayed. I do not know who is right in this situation, but I would like to complain about Citibanks inflexibility in this matter. I did what I could on my end to improve the situation, so it seems like they could work with me a little on their end.

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 2016-09-06
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened up a CitiGold checking account back in XXXX 2015 using a promotion that would give me XXXX XXXX points once I make XXXX qualifying payment each month for 2 months following account opening. I completed the payment requirement, but as of today, more than XXXX year after the completion I have not received those points. I attached a conversation with CitiGold representative on XXXX/XXXX/15 which confirms that I would receive my points as well as emails with my Citibank personal banker as proof.

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 2021-08-18
Company: ALLY FINANCIAL INC.
State: NY
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:
My ALLY Bank lease was terminated two months early to enter into a new Lease agreement. The Car Dealer Requested a payoff quote from ALLY Bank, this quote was supplied by ALLY Bank and was paid off by the dealer. A few months later I received a call from ALLY Bank that I owe {$110.00} dollars, which I refused to pay because the lease was terminated and ALLY Bank provided the Car Dealer with the Payoff amount. On principle I was never late within the 37 months of the lease. This erroneous info was sent to a collection agency. After six different dispute resolution attempts with the credit reporting agencies all failed, this item is on my credit report as a Charge Off and is negatively impacting my Credit Report at an in opportune time. I owe nothing to Ally Bank or any other entity with respect to this Auto Lease. I would like this negative item removed from my Credit History.

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 2015-04-30
Company: ECMC GROUP, INC.
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
The person XXXX revealed that the company owed a debt. She knew that the needed to speak to the owner. She was told that owner was unavailable. She revealed that it was a tax debt and she needed to talk to the owner today.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: R & R Collection Service, 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:
XXXX has been non-compliant with removing the unverified account R & R COLLECTION SERVICE Opened Date XX/XX/2016 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that R & R COLLECTION SERVICE was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
XX/XX/XXXX I went to the post office and I mailed a certified letter to Equifax XXXX XXXX XXXX XXXX Georgia it was estimated for XX/XX/XXXX however it was delivered on XX/XX/XXXX but Equifax denies getting it after I followed up on it on XX/XX/XXXX and confirmed acceptance of delivery. They dont own up to be responsible for this matter but blames the issue on the address maybe being wrong if the PO Box for disputes is wrong then they failed to update on there end to customers or any third party who sends mail to it or providing on there website

Company response to consumer: Closed with explanation