BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-31
Company: Bridgecrest Acceptance Corporation
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
BRIDGECREST FORMERLY XXXX  XXXX XXXX XXXX XXXX, AZ XXXX  ( XXXX ) XXXX XXXX  is reaging my account. On my credit report it shows that I made a payment on XX/XX/XXXX. After submitting a dispute to the credit bureaus on XX/XX/XXXX and providing proof from my bank statements showing that no payment was made, they advised that I would need to take this up with the agency.

I have sent them certified letters on XX/XX/XXXX and XX/XX/XXXXin regard to validating the debt ; no has responded to me or the letters come back because the XXXX that they advise me to send this to is not a valid address.

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 2018-03-04
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
A company XXXX XXXX XXXX has already attempted to sue me one year ago. I have recently received another threatening letter of a law suit and wage garnishment. The credit card debt is XXXX of 8-10 years ago. They had previously sued me apprently filed XX/XX/XXXX for the same case and it was dismissed. I feel I am being harrassed by receiving these letters and they are trying to take me to court again, over very old debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I've held a couple of credit cards with Chase for a total of about 4 years. 

After making a big payment made to my cards card Chase responded by reducing my credit rating on two cards down to within {$500.00} of the balance on the card. My credit rating suffered a XXXX point drop as a result and Chase is using my lowered credit score as the justification for lowering my limit, even though they're the ones who did it. 

Throughout my history with Chase, I've never missed a payment, and I've always paid more than the minimum monthly balance. I've been the perfect customer, since this particular card is a rewards card so I used the card instead of letting it sit. 

After getting sick over the summer with XXXX, my credit card use increased for a while but the extra use was paid off when my XXXX check came in. Chase says my increase in utilization was the reason for their cut in my credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: Experian Information Solutions Inc.
State: CA
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 already contacted company by submitting a certified letter to each company and as of yet have not heard anything back, and I want these hard inquiries removed immediately. 


XXXX XXXX XXXX, hard inquiry XX/XX/XXXX - XXXX/XXXX XXXX, hard inquiry XX/XX/XXXX - XXXX XXXX XXXX, hard inquiry XX/XX/XXXX - XXXX XXXX XXXX, hard inquiry XX/XX/XXXX - XXXX XXXX hard inquiry XX/XX/XXXX -, XXXX   XXXX XXXX, hard inquiry XX/XX/XXXX - XXXX XXXX XXXX, hard inquiry XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXXXXXX ; XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX , XX/XX/XXXX XXXX ; XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX Experian XXXX, auto hard inquiry XX/XX/XXXX - XXXX ; XX/XX/XXXX, XX/XX/XXXX - Experian All of these companies sent a certified letter of dispute XX/XX/XXXX XX/XX/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 2018-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 already contacted company by submitting a certified letter to each company and as of yet have not heard anything back, and I want these hard inquiries removed immediately. 


XXXX XXXX XXXX, hard inquiry XX/XX/XXXX - XXXX/Transunion XXXX, hard inquiry XX/XX/XXXX - Transunion XXXX XXXX, hard inquiry XX/XX/XXXX - Transunion XXXX XXXX, hard inquiry XX/XX/XXXX - Transunion XXXX hard inquiry XX/XX/XXXX -, Transunion XXXX auto, hard inquiry XX/XX/XXXX - Transunion XXXX XXXX, hard inquiry XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX ; XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX , XX/XX/XXXX Transunion ; XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX, auto hard inquiry XX/XX/XXXX - Transunion ; XX/XX/XXXX, XX/XX/XXXX - XXXX All of these companies sent a certified letter of dispute XX/XX/XXXX XX/XX/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 2020-12-11
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Went in to the TD Bank branch on XX/XX/XXXX to open the account in person. Deposited {$710.00} cash. Left with a debit card and was able to use the debit card that evening. 

On XX/XX/XXXX, I tried using the debit card at XXXX right at XXXX and it says its not authorized. Tried logging in to my account online to get the customer service number and I no longer have access to my online account. Call their customer service and they tell me my account is locked pending in-person verification and I have to go to a branch. I immediately go to a branch with two forms of ID. The gentleman has to fill out a form and tells me that they cant give me any money until the fraud department re-opens my account which would be up to an hour. 

On XX/XX/XXXX, I call their 1800 number to check the status at XXXXEST. They tell me that it should take 15mins to 2 hours. I call back two hours later and they keep telling me that now they have no idea when my account will be open again. I am flying out to Colorado at XXXXEST and I have to money to do so. Ive now called back ( Im currently on hold ) and the woman is telling me there are zero notes in my account and she doesnt know whats going on. So now Im left with no access to my account and a group of clueless people who are basically stealing my money at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a call from someone stating that they were from a law firm trying to collect a debt from an old closed bank account that I have not used in over eight years. She told me I had until XXXX today to settle this debt or they would continue the lawsuit and report me to the big 3 credit agencies. She said they would also send me to XXXX XXXX and I would not be able to have a bank account for 5 years. She emailed me a letter and I called the law firm for more information but I keep getting sent to voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: NCB Management Services Inc.
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
So let me make sure that I understand. Despite writing NCB on XX/XX/21 ; XXXX and XXXX ( and showing proof of delivery by fax ) it wasn't until I filed a CFPB complaint that they SELECTIVELY responded and denied ever having received any one of the previous 4 letters sent to them ... hmmm. My request was SPECIFIC and based on everything I've been able to research on XXXX requirements for lawful repossession. So today I sent them another letter - I WANT ALL OF THE DOCUMENTES REQUESTED - especially proof that I was properly notified of the intent to repo the vehicle because I don't recall ever receiving a USPS notification or signing for such a letter. Once again today 's letter has been faxed ( proof attached ) and I've also contacted XXXX since NCB sent documents with their letterhead.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: Coinbase, Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
The business name is Coinbase, they proclaim themselves as financial services company. Coinbase is a trading platform for digital currency. OnXX/XX/XXXX I have opened an account at Coinbase, that process included identity check by faxing over my driver 's license and a picture of me. On XX/XX/XXXX I have purchased {$7000.00} worth of digital currency on Coinbase in the intent to sell it once it gains value. This company says on their site that they will not grant an access to the account if a person tries to log in to it from a restricted country ( XXXX ), however the access will be granted as soon as the person tries to log in to the account from non sanctioned country. On XX/XX/XXXX I was in transition in XXXX  ( XXXX ) airport and had an emergency happen, so I tried to look at my account at Coinbase to see how much money I could withdraw from it once I'm back on US soil. Understandably I was not able to log into the account because I was on sanctioned by the US politicians land. On XX/XX/XXXX I came back to the US and wanted to sell my assets from the Coinbase, however my account was locked. I called Coinbase about the problem and they told me to send an email to their support to unlock my account. I sent an email right away telling them to unlock my account. Im writing this email on XX/XX/XXXX and still response from Coinbase support. I call them every day for the past two weeks and their response that I need to send an email. The assets in my account have decreased by 70 % due to this fraudulent business.

First, my account shouldn't have been locked based on the information provided from Coinbase.

Second, I did not receive any response about my concern.

Third, the assets that I needed to sell onXX/XX/XXXX have decreased by 70 % which is a great financial burden on me and my family.

Fourth, there is no one at Coinbase wants to help me, I'm just stuck.

please investigate this fraudulent business and turn it in to the authorities so that there aren't others who get scammed by it.

Thank you, you may reach me at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: EQUIFAX, INC.
State: NJ
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:
Upon reviewing my credit file I noticed a derogatory mark stating that I was pass due on an account from XXXX with a XXXX balance. I send all three bureaus validation of debt letters along with a request for a method of varication. They sent me a letter stating the account was verified as reporting accurately. I contacted the original creditor and was told that my balance was XXXX balance. I also noticed that all 3 bureaus were reporting 3 different open and close dates. According to the original creditor the open date was XX/XX/2015 notXXXX2015 per XXXX  and not XX/XX/2015 per XXXX and Equifax. If they actually completed a through investigation then why is the reporting information different from the information the original creditor has provided me. Due to the apparent neglect of my credit file. I would like this account completely removed from my file immediately. This is a major violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Transunion allowed a collections on my credit report that does not belong to me. The collections for {$140.00} from XXXX does not belong to me and is fraud. I have never had any involvement with such company. I would like for it to be removed my credit report. I reported to Transunion that my identity had been stolen within the last 3.5 years. I had not received any communications from that company named XXXX regarding this debt. Also, it has been difficult to contact an agent at Transunion to dispute this collections because they are not taking phone calls and I was unable to dispute online. That account that was placed on my credit report reads that the account was opened XX/XX/2019 and that was not me. Also, XX/XX/2019, was less than a year and I was not sent any prior communications from that company XXXX regarding such collections. And the date of that medical collections date is just 6 months ago and does not provide apt time for anyone to receive communications, dispute, and pay. However, I did not receive any communications and only knew of such collections due to an alert that I received.

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 2020-05-14
Company: ERC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently applied for a home loan and was denied do to fraudulent activities. I have never applied for XXXX  or have used this phone carrier. I have recently tried to dispute this directly with the bureaus and asked for an Itemized bill, they verified as accurate. This is not fair to me because in fact the information is inaccurate. I have been dealing with identity theft since XX/XX/XXXX. My name is very common and all these items on my credit report have affected my life negatively. I am unable to apply for Personal loans, Credit cards, Car loans, Phone services or even a Home loan. I called XXXX XXXX to provide them with a police report number XXXX that I filed with Officer XXXX. I have also had issues with the IRS because of this. Somebody else is using my SSN and/or there's a mistake when these companies are adding them to my report and there not checking for the correct SSN & DOB and just applying it to the first person they come across with my exact name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hello, I do not recognize these accounts. I believe I became a victim of identity theft. I am requesting that you delete information off of my credit report that isnt mine. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions.

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 2020-12-11
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: Investigation took more than 30 days

Complaint:
On XX/XX/2020, I requested, under the Fair Credit and Reporting Act section 609, that Experian, XXXX, and XXXX verify incorrect, inaccurate, and inconsistent items I located on accounts reflected on my credit report. These have negatively impacted my ability to receive credit and have caused a high-level of embarrassment for myself and my family. I reached out to the three bureaus over 30 days ago and have yet to receive any feedback, correction, or verification on this matter. All three bureaus are reporting inconsistent and inaccurate information in relation to the XXXX XXXX XXXX XXXX and XXXX  accounts. At this point, I would like to have these items removed as they are incorrect, inaccurate, unverifiable, and the bureaus have violated their allotted 30-day compliance regulation. Experian then responded to my complaint requesting identification documentation that I had already submitted to them. I have sent more documentation as they requested but still would like the information DELETED due to their violations of the 30-day response or validate regulation set forth by the Fair Credit Reporting Act.

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 2020-12-11
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have a Citi Diamond Preferred Mastercard and have had the account with Citi since XXXX. On XX/XX/XXXX, I received an email notice of a promotional offer for 5 % back on online purchases made between XX/XX/XXXX and XX/XX/XXXX ( XXXX Monday ), so I enrolled using the button in their email. On XX/XX/XXXX XXXX XXXX Monday ), I made an online purchase with XXXX in the amount of {$370.00}, forgoing 3 % back I would have received by using a different credit card. The purchase immediately XXXX on XX/XX/XXXX ) appeared as a pending charge to my Citi Mastercard. XXXX, due to a large number of orders received on XXXX Monday, did not ship the order out until XX/XX/XXXX, at which time the charge was finalized at {$370.00}. Citi failed to provide the 5 % back. I initiated an online chat with Citi asking why the 5 % back was not made. Citi 's response was that, even though the purchase was made on XX/XX/XXXX, the charge was not finalized until XX/XX/XXXX, thus occurring after the offer period and said too bad, there was nothing they could do about it. 

A credit card operation as large as Citi is well aware that many vendors, on XXXX Monday, will have charges that are finalized a few days after the purchase date. As I pointed out in my online chat, Citi must have a similar situation with many other XXXX Monday transactions. To entice consumers to use Citi 's card by promising 5 % back, then failing to provide the 5 % back on XXXX Monday purchases, under the guise of 'the charge was finalized after XXXX Monday ' is disingenuous, if not an act of widespread consumer fraud. Citi has defrauded me {$18.00}. Multiply this by countless other similarly situated victims.

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 2020-12-11
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Citibank has lowered all of my credit limits and is damaging my credit score. I have never had a late payment and have never been over my credit limit. My credit score is being damaged by their malicious practices.

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 2019-05-29
Company: DISCOVER BANK
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone opened up a fraudulent Discover credit card in my name on XX/XX/17 the balance of the card is XXXX. I have called Discover sent them a copy of the police report along with a copy of my FTC report saying that it was a fraudulent account. They keep stating that they have information that matches my information of course they would have the information because someone stole my whole identity. Please help me resolve this problem. Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Greetings Consumer Finance Protections Bureau, This complaint, against Portfolio Recovery Associates, is being submitted following a blatant disregard to the Fair Debt Collection Practices Act | As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) with regards to 806. Harassment or abuse of which line ( 5 ) applies. 

On Saturday, XX/XX/2018 Portfolio Recovery Associates attempted to contact me regarding a debt in their possession with my personal information attached. Between the times of XXXX MDT and XXXX MDT they attempted to unsuccessfully contact me a total of 26 times. This stands in violation to 806. Harassment or abuse which states ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. While a debt collector is allowed to contact a possible debtor via telephone or mail and retains certain legal rights to attempt collection, it falls outside of their realm of operations to harass a potential consumer with intent to annoy or harass a person. Additionally Portfolio Recovery Associates failure to disclose the company name or false disclosure to trap a person again violates 806. Harassment or abuse as written ( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the caller 's identity. Furthermore, Portfolio Recovery Associates has violated the Fair Debt Collection Practices Act when attempting to intimidate a potential debtor into payment which has also happened during past communications ( 807. False or misleading representations ). 

I wish to express my thank you for your time and help regarding this issue to the CFPB and will await any further communication or resolutions from the CFPB. 

Professionally, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief