BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-26
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2023-11-09
Company: Coinbase, Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I am appealing to the CFPB for intervention regarding the restrictive {$5000.00} weekly sending limit imposed on my cryptocurrency transactions by Coinbase. As a U.S. citizen, a verified Level 3 user, a holder of the Coinbase Visa card, and an IT professional, I find this limit, purportedly for security reasons, completely unjustified and a hindrance to my financial independence. This is especially so considering the robust personal security measures I utilize, such as employing a password manager, two-factor authentication, and additional security best practices. 

I made efforts to address this issue with Coinbase on XX/XX/2023, but my case was abruptly closed on XX/XX/2023 without any form of response or rationale. Such dismissal not only disregards my need to self-custody my assetsa fundamental right in the cryptocurrency sphere that allows individuals to manage their holdings directlybut also ignores the fact that not all Coinbase users are subject to this same limit. The imposed limit means it would take over 2 years to transfer my entire portfolio to my personal wallet. This is not only impractical but also runs counter to the principle of autonomy that cryptocurrency is built upon. This is in stark difference from the {$500000.00} daily transfer capability I have with XXXX. This discrepancy reveals a significant inconsistency in user treatment and a deviation from accepted industry practices. 

The weekly transaction limit also leads to an accumulation of excessive network fees, undermining the cost-efficiency that blockchain technology is known for. The constraints imposed by Coinbase do not align with their promises of transactional freedom, and the opacity of their customer service response has left me without clear justification for how these limits are determined or can be reviewed. 

The current limitation not only undermines my ability to engage in the cryptocurrency space as an informed and responsible user but also limits my financial freedom without a valid basis. I am fully aware of the risks and have taken more than adequate steps to secure my holdings, which should be acknowledged through a reconsidered sending limit appropriate for my situation. 

Therefore, I am requesting that the CFPB support my plea for a substantial increase in my sending limit, reflecting my verified status and my capabilities in managing security risks. Such an adjustment would also ensure equitable treatment in line with other users and market norms. 

Enclosed is evidence highlighting the differences between the sending limits set by Coinbase and those available to me through XXXX. I am grateful for the CFPB 's assistance in this matter, aiming to uphold my rights to securely and effectively control my cryptocurrency investments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: Experian Information Solutions Inc.
State: FL
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 went to the car dealership in XX/XX/XXXX trying to get a car. I told the car sales men I only want to use XXXX XXXX. However I'm looking at my credit report I see over 13 hard inquires from all these different companies. Hard inquires from different months in XXXX and XXXX that wasn't from 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 non-monetary relief
Consumer complaint received 2023-09-24
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
After spending hours at a local dealership, I found out only one 'bank ' would approve me for a car loan. The payments for a 2018 vehicle costing {$14000.00} on the lot ended up being {$430.00} with {$1000.00} down. The 'bank ' was Credit Acceptance , when reading the paperwork it was brought to my knowledge the interest rate was 20 %- the HIGHEST interest rate I have ever seen for a vehicle. I understand my credit is POOR-FAIR and fluctuates every couple of months but this interest rate appeared criminal. The overall cost for this vehicle at the end of the loan is {$10000.00} more than the initial purchase price. 

After purchasing the vehicle, as I NEED a vehicle, I read the online reviews and found this company has been in several class action lawsuits for illegal interest rates and unfairly conning lower-income individuals and those with less than perfect credit. I feel ashamed and embarrassed for not doing my research on Michigan interest laws and what is legal and accepted practices. I want the interest rate lowered to Michigan law standards or else I will have to pursue legal correction on this matter.

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 2023-10-18
Company: Brown and Joseph, Ltd
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I purchased a mirror and other items from XXXX XXXX in XX/XX/2023. The mirror was to be delivered by freight and I paid for shipping through XXXX XXXX ( {$55.00} ), and did not agree to pay any additional shipping that XXXX XXXX arranged ( nor was I asked to ). I was never contacted by XXXX XXXX or XXXX XXXX and never ( i ) entered into any agreement with them, ( ii ) agreed to pay any amounts to them, or ( iii ) requested or contracted with them for shipping services. It is apparent that XXXX XXXX did to arrange for shipping of the mirror I purchased ( for which I paid XXXX XXXX shipping ), and so the mirror arrived via freight in XX/XX/2023. 

In XX/XX/2023, I received a statement from XXXX XXXX saying that I was past due on payment. I did not know what the statement related to, and on XX/XX/2023 I emailed the contact on the statement ( XXXX XXXX ) saying I have not contracted with XXXX XXXX and requesting him to " Provide appropriate details so that I may determine whether this statement is legitimate or fraudulent. '' I did not receive a response. 

In XX/XX/2023, I received another statement from XXXX XXXX repeating that I was past due on payment. XXXX XXXX was once again listed as the contact, and on XX/XX/2023 I tried to call him ( but was sent to voicemail ), and so the same day I emailed him again and reiterated that I have never contracted with XXXX XXXX for anything, and to please respond to my initial email and explain why I am receiving statements. I also said at that time that if I received another statement without explanation, I would report them to the appropriate governmental authorities. 

In response, XXXX XXXX looped in one of his colleagues, XXXX XXXX. XXXX XXXX then emailed XXXX XXXX ( with me copied ) and asked them to check the bill of lading, which was attached to the email, and advise if it can be billed to XXXX XXXX ( as it should, as ( i ) I already paid XXXX XXXX for shipping, and ( ii ) XXXX XXXX is the contracting party, not me ). The bill of lading also said on the " Invoicee '' line " XXXX ''. It was at this time that I realized what the debt related to, and that it is not my debt to pay. 

I assumed XXXX XXXX would pay the debt and that would be the end of it, but instead I received a letter dated XX/XX/2023 from Brown & Joseph LLC, which says they are a debt collector and that I owe {$150.00} to XXXX XXXX ( a subsidiary of XXXX XXXX ). 

Despite reasonable attempts to get XXXX to bill the appropriate invoicee and no basis for them to conclude that I ever agreed to pay them anything ( and knowledge as to who the correct invoicee is ), they have instead repeatedly sent threatening mail and now referred a debt that I do not owe them for debt collection. I do not want to pay someone else 's debt, but I don't know how to get them to stop otherwise. Please help me. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: EQUIFAX, INC.
State: FL
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 went to the car dealership in XX/XX/XXXX trying to get a car. I told the car sales men I only want to use XXXX XXXX. However I'm looking at my credit report I see over 13 hard inquires from all these different companies. Hard inquires from different months in XXXX and XXXX that wasn't from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX and XXXX, the following account numbers listed violated my privacy. 
Account Public record ( Bankruptcy ) Reference number : XXXX, Collection accounts : XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX Inquiries : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX my phone was stolen and the scammer sent themself {$720.00} through XXXX XXXX in multiple transactions that I did not authorize. My checking account was overdrawn and I immediately filed a dispute with XXXX  but was denied because they said I either authorized or knew the person who I sent the money to ( neither is true ). I then filed a dispute with TD Bank who denied my claim on the basis that I benefitted or authorized the transaction, which I didnt.

Company response to consumer: In progress
Consumer complaint received 2023-10-25
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a Navy Federal Credit card today XX/XX/2023 and got denied, along with other applications I've applied for. Regardless of the reason for being denied, I have the right to credit. Withholding my access to my securities is security FRAUD. You are violating the Equal Credit Opportunity Act and Consumer Credit Protection Act.

Company response to consumer: In progress
Consumer complaint received 2023-11-02
Company: Westlake Services, LLC
State: OR
Product: Credit reporting 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 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 an 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 then records of convictions of crimes which antedates the report by more then 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 explanation
Consumer complaint received 2023-08-27
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I submitted a complaint against the above-mentioned furnisher of this account and the credit bureaus for reporting inaccurate information as it relates to this account. On XX/XX/XXXX of XXXX, I received the companys response. The company stated that an investigation was completed, and everything was verified as accurate in my credit file. 

Furthermore, I purchased my credit report for XX/XX/XXXX, and recognized that XXXX XXXX and the credit bureaus continue to report discrepancies, after alleging to have conducted a thorough investigation of this account. There are different dates that the account opened : XX/XX/XXXX and XX/XX/XXXX. My credit report reflects that my monthly payments were {$0.00}. The dates that the account was last active are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The comments on my credit report reflect repossession and involuntary repossession. Also, my credit report reflects two different dates that the account last reported : XX/XX/XXXX and XX/XX/XXXX. 

Under the FCRA, this violates 15 U.S. Code 1681, in which I may be able to receive up to {$1000.00} for punitive damages for each violation.

Overall, I am requesting that your corporation remove this account, or I will pursue civil litigation for damages and deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Block, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Cashapp denied real fraudulent charges worth {$400.00} on my card and even thought I provided overwhelming evidence they didn't even investigate and in less than 24 hrs they denied my claim. Cashapp needs to be shut down this happens alot to people where they deny fraudulent claims and do not investigate claims whatsoever. They also restricted my account $ XXXX beacuse of my claims submitted they said they can't give a reason as well which is unbelievable and ridiculous and banned my cashcard and threatened to ban my account for 0 reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
System failure credit score remains around XXXX when score should be in the XXXX. All inquiries are removed yet payment history still affects score alongside derogatory report, and many more.

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 2022-04-24
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX  XXXX Reference # 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

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 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently received a copy of my credit report and noticed several unverified and unauthorized hard inquiries. I am writing to dispute these unauthorized inquiries on my credit report. 

At this time, I am requesting that you please delete and remove the following inquiries below. 

HARD INQUIRIES TRANSUNION 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 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 XXXX These inquiries are affecting my credit score negatively and were unauthorized, time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 
Please send me a copy of my updated credit report once this issue is resolved.

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 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
My request for the correction and removal of the inaccurate information about my accounts has been diligently neglected by the 3 Credit Bureaus. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, they have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below is the account that still reporting on my account : XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00}

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 2023-09-19
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late payments that have not been verified!! they are not accurate and according to the law FCRA 623 I was supposed to be notified of this information. And this information was not sent to me in writing. Before it was put 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 explanation
Consumer complaint received 2023-11-28
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
We bought solar panels through XXXX XXXX, and financed over $ XXXX through a loan bought by PenFed Credit Union ( XXXX was the solar company and XXXX was the initial lender ). We installed the XXXX solar panels in XXXX after several months of frustrating installation process, the panels were finally operational in XXXX of XXXX. We had to start paying the loan payments then. We were initially sold one type of panel and then told they couldn't get that one and were giving us a better producing panel type instead. We've had challenges ever since. it started with a leak in a our roof caused by them putting a nail hole in the roof during installation and not covering it. it leaked through and caused damage to our ceiling as well. XXXX was terrible to get help and we had to try to work through our sales person XXXX. XXXX finally came, admitted the problem the roof and said they would send someone to fix ceiling, then wrote a report stating it was was caused by us and not them to get out of fixing ceiling. Customer Serv refused to help us and we had to again work sales person for months. Then in XXXX XXXXXXXX  we started getting large electic bills, and called both customer service and our Sales Person and got no help for months. We kept gettting larger bills and finally got someone to respond to us in XXXX, but no one could come service until XX/XX/XXXX. Unbelievable!. So another month went by. When the Service came finally, 29 inverters of 34 panels had never worked. He supposedly fixed them all and we can see ( from the app that tracks working panels ) that they are still not working today. Plus we are out months of electric bill money we had to pay on top of our $ XXXX loan for this piece of XXXX  and no one will help us. we called again today and they claim they don't have the parts, after their service guy lied and said he fixed them all. We need this fixed now and we need our lost money ( {$720.00} ) for electricity for all of the lost solar, which was promised in the contract. No one will respond to us. We've had to continue paying our loan payments for a product that has never worked for which PenFed financed. We are not getting any help from the company and can not cancel the loan or stop paying it to avoid having credit issues. This is predatory. The lender is doing business with a company who is selling non-working products to the public and then we are stuck paying the credit to avoid having our credit impacted. And we then still have electric bills, have had our house damaged, and no reimbursement 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