BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-09
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i received a letter stating I could make payments as low as {$25.00} bi monthly and the representative stated that I needed to pay half the debt and then could make payments so he began to demand {$1800.00}. My industry was shut down for 8 months, XXXX. XXXX. I offered {$25.00} a month and then in 3 months {$50.00} a month and in XXXX more months {$75.00} a month and so forth as we are moving to reopening. He demanded {$1800.00} which I don't have. No where in the letter does it state that you must pay off half of your debt in order to begin a payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: Phoenix Financial Services LLC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have sent letters to the credit bureaus to investigate these accounts I do not recognize and I have not received any responses from the credit bureaus or the creditors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I made an additional {$1000.00} payment on my Usaa auto loan. Their website defaults to principal and interest instead of the full payment being applied to principal. That in itself seems very unethical to me. This payment was on top of my regular monthly payment. I tried their chat function to fix immediately with no luck and just spoke with a representative that told me the only way to fix the problem would be for the account to show a late payment as they would have to reverse the additional payment and reapply the whole payment to principal which would then show the additional payment as a late payment? That is very unethical and unfair. Their website should be corrected to default to principal only and this should be easier to fix .... without my only option being to show a late payment on my account balance. So unethical and inappropriate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
In XXXX of 2021, I was using Coinbase Pro 's cryptocurrency exchange to trade and store various cryptocurrencies. I had initiated a deposit from my bank account, which allegedly did not clear after Coinbase Pro had already credited the funds to my account, and I immediately used those funds to purchase several types of crypto. My account was frozen and I was instructed to return the amount of the deposit to my account within 5 days ; and that at the end of 5 days, if I have not done so, the current balances of crypto will be sold to recover the specific amount. My account being frozen was disabled from making deposits withdrawals, or trades ; so I couldn't return the money. Then, after 5 days, all of my funds disappeared from my account. The total value of these funds totaled over three times the amount Coinbase claimed to be seeking to recover. I have submitted multiple claims to inquire about the rest of my funds, but support either avoids the issue by endlessly asking me for information and screenshots of info they already have, or denying that anything untoward has occurred ; or just ignoring my complaints altogether. One support agent told me that I had sold all of my crypto funds and that's why it was at zero. And I responded, reminding them that my account was frozen during the times that these trades, which cleaned out my account, occurred ; that it couldn't have been me who executed the trades ; after which, they stopped responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
To whom it may concern, I had a XXXX  XXXX credit card by synchrony Bank, I bought a scooter {$1200.00}. I send two payments to Synchrony Bank the first money order was on the amount of {$280.00} and the second and last was for {$990.00}. XXXX XXXX call me and said I still have a balance of {$590.00}, I call Synchrony Bank and they told me I dont have any balance on my card to call XXXX XXXX and I did, but they told me to call the Bank XXXX and this is been a nightmare calling back and forth, I have proof the I pay the item I bought from XXXX XXXX, but they still want me to pay again because the bank dint forward the payment to them. The bank got full payment on the credit card, and apparently dint send the money to the XXXX XXXX, I dont work for the bank or for XXXX XXXX, my responsibility is pay my bill as soon as I get it, and I did. Thank you Att : 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 2017-02-26
Company: Westlake Services, LLC
State: IN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I purchased a XXXX XXXX XXXX truck from XXXX XXXX XXXX on XX/XX/2016. I was financed through XXXX to Westlake Financial and had the truck for less than 14 days. I noticed something was wrong with it so I took it to a garage I deal with regularly thinking it just needed a tune-up. It turned out to have a bad engine and after taking it to several other repair shop and being told it would cost {$6000.00} to replace or repair the engine, I contacted XXXX and was told to take it to their shop. I paid that shop {$2100.00} for them to repair it. They had the truck for nearly 4 months. During that time I contacted them several times only to be given a series of excuses as to why it was n't repaired yet. When I contacted the dealership for assistance, I was told they would take that truck in as trade and I could purchase another truck. My partner and I went in to look at their stock and after they sold my partner another truck using the original amount we were credited on the XXXX truck as a downpayment for the XXXX truck did we learn that they did n't take the XXXX truck in as trade and that I still owed on it. By that time I was 3 months behind in payments and no one knew where the first truck was.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Saw some unauthorized inquiries on my credit report from equifax.Contacted them but they replied and tell me to contact the creditor.I am unable to get to the creditors.I was a victim of identity theft back in XXXX 2016 and I would want equifax to look at those inquiries again as I am unable to get an answer from creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: TN
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S. Code 1681 states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). ( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. 

I am so tired of the credit bureaus disrespecting my privacy and not assisting me in reconciling these erroneous accounts.

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 2015-12-14
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Other

Complaint:
I file a application for Citibank credit card. I was denied because they said I filed too many applications. The problem with that is I file XXXX applications with Citibank and was denied all 3 times. I feel that I am being discriminated againist because I am XXXX. Citi bank need to be investigated for there credit card practices approves others but denies XXXX. There practices are troubling to me because I am being denied because of the color of my skin. ca ; ; citi bank to complain and was still denied. They are not treating minority customers right and should be looked at.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: Experian Information Solutions Inc.
State: AR
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 name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : CXXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date 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 2016-07-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have been trying to get my credit report and have provided Experian the required information and documentation THREE TIMES. I have gotten my report from the other XXXX agencies with no problem. THE ONLY AGENCY GIVING ME A PROBLEM GETTING MY OWN CREDIT REPORT IS EXPERIAN. The first complaint # XXXX they closed by claiming they were sending me a credit report that daty, XXXX XXXX. THEY DID NOT do as they said to close the complaint. Instead they sent a letter asking for the exact same info. Which I provided AGAIN with my XXXX complaint # XXXX. They closed that complaint by saying : " Unfortunately, at this time, we are unable to process your disputes, as they are not specific. '' I WANT MY CREDIT REPORT. HOW MUCH MORE SPECIFIC CAN I GET? DO WHAT YOU SAID YOU WERE DOING BACK ON XXXX XXXX. YOU ARE INCOMPETENT.

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 2021-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date 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 non-monetary relief
Consumer complaint received 2022-05-13
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received a letter from Nordstrom Credit services that an application was denied. The first name was mine but the last name was not. They used my social security number, birthday and home address.

I never applied for any Nordstrom Card or credit. I called Nordstrom they placed fraud on the inquiry. I also contacted XXXX and froze my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-02
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
This account is mine and all XXXX reporting companies took my good standing credit off. 
Without my permission so please could you have them to put it back. 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 non-monetary relief
Consumer complaint received 2023-01-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells fargo keeps freezing my account. Then they just closed it without any notice. I went to deposit money & was told my account was closed no reason 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 2017-02-16
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card
Issue: Advertising and marketing

Complaint:
Sams Club MasterCard advertises XXXX % cash back on all purchases, w/ XXXX % on fuel, and XXXX % on dining and travel. For my statement ending XXXX/XXXX/17 I had purchases totaling {$4000.00} and yet they awarded me a meager {$27.00} in rewards. They 're not following through with their advertised promises. Not only that, I 've been a plus member for years & that 's supposed to get me even more in cash rewards.

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 2016-06-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had paid my auto loan on time, and in full according to the terms and conditions of the loan. However, at the time of occurrence, this auto loan was being paid by a business, that I helped start, and managed. After sometime, I decided to part ways with my partner, and decided to leave the business. While I was doing my due diligence to transfer all of my business expenses, from my old business account, into my new business account, my old partner got upset, and decided to contact XXXX XXXX to notify about me not being authorized to pay this account from our business account, so XXXX without investigation and validations returned all of the payment that I made for the car. Soon thereafter I called them to complaint and to resolve this issue, but nothing was done. This forced me to take XXXX to court for not property investigating the payment, and notifying me since I was the the personal guarantee of this account. I have explained this to the CRAs, and I have also provided statements, validation my claim. I am currently being denied my XXXX mortgage license due to this issue. Without this license I wont be able to work, thus feed my family. Please help 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 2016-02-06
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The debt is not mine because I am and was not responsible on the lease. the lease was wholly in XXXX XXXX name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
XX/XX/2015, I applied for a XXXX XXXX XXXX credit card and I was denied due to the bureaus not providing a credit score. I had brought a product from Experian to receive my FICO score from Experian, but based on certain criteria a score was said to be unavailable. I have not received any correspondence from the bureau concerning this matter, although I have sent written request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I opened a XXXX XXXX Bank account # XXXX on XXXX/XXXX/2011. The payment " history '' on my account is incorrect and needs to be fixed ASAP as it effects my credit score. Currently Experian is only reporting 2 years of " payment history '' and there should be 5 years and 4 months. Please correct this error ASAP.

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 2015-05-25
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I was charged XXXX for a XXXX in XXXX FICO score product which I did not order by Experian, I have a similar product through another credit reporting agency and no need for another. Experian refuses refund or cancel the product. The item will cause an overdraft fee to my checking account, please advise Experian I will need this refunded as well in the amount of XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: COMPUTER SCIENCES CORPORATION
State: IL
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX continues to report a collection account for CSC Logic/ XXXX XXXX for a voluntary repossession that occurred 7 years ago. CSC logic has failed to provide documentation regarding legal notices or of the reasonable sale of the vehicle despite sending requests certified mail. I have provided XXXX with copies of the letter requesting said documents, copy of the certified mail receipt and the XXXX report showing the sale of this vehicle and they refuse to correct the information. I tried calling the customer service line today and the operator would not let me speak to a supervisor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: EQUIFAX, INC.
State: AR
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : ( LATE/OPEN ) XXXX  XXXX Balance : {$430.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$390.00}

Company response to consumer: Closed with explanation