BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-19
Company: Experian Information Solutions Inc.
State: GA
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: Problem with personal statement of dispute

Complaint:
I have sent documents showing that this account have reported several months different from what they have been trying to collect as well as they haven't sent me all the documents to validate this debt and it has been over three months while they send me bits and pieces of documents. It should have been deleted after the first 30 days of them not sending any validation documents.

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 2022-11-19
Company: BlockFi Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
BlockFi digital Wallet. Since XX/XX/11 I am unable to withdraw or access my digital wallet to obtain my funds. I have XXXX XXXX  and a portion of XXXX worth about {$900.00} with overall total worth about {$5500.00} in my BlockFi account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XXXX XXXX, my debit card and pin was compromised and I had {$300.00} withdrawn from my account without my knowledge and I was also charged {$170.00} in overdraft fees ( {$35.00} x 5 over the course of 24 hours ). I have reason to believe that it was compromised at a TD Bank ATM. On XXXX XXXX, money was taken out from a TD Bank location in XXXX less than an hour after I made a withdraw in XXXX. TD had flagged the account for fraud activity but never contacted me in any way. The card used also did not have a security chip while the XXXX issues to me did. After a 2 week investigation, TD Bank refunded the {$300.00} that was withdrawn and {$70.00} in overdraft fees. But because they had posted the overdraft fees before the fraud transactions, they are giving me a hard time returning the other {$100.00} that they charged me for this fraud transaction. They have promised me to return the money the following day twice but I have yet to receive any kind of credit for it. They are holding my money hostage, but still charging me monthly fees all because of their practice of placing some transactions before others rather than in the order in which they occurred in order to charge overdraft fees and collect money. This has been a nightmare and I am forced to be on hold for XXXX60 min anytime I call customer service. I even went to the branch manager and he brushed me off and told me I would have it tomorrow but nothing ever came. TD Bank should be barred from pursuing this practice against consumers! Transactions should be placed in the correct order that they were made, not how TD feels whats best for them. As of now, I was charged {$100.00} in overdraft fees on an account that had over {$100.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-19
Company: Radius Global Solutions LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
trying to collect on exempt funds calling night and day

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 2022-11-19
Company: BlockFi Inc
State: WA
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 store funds on BlockFi. BlockFi has paused all withdrawals, implying I have no access to my funds at all. They've given few details as to next steps or possible outcomes of these funds. I'd like to file a complaint so they may release my funds back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I am a XXXX XXXX XXXX. I was researching at my bank to finance a new car. When they pulled up Experian and XXXX in their system ( they do n't have access to XXXX ), both reports were completely blank except for my personal ID information. ( I am currently paying for a car and have other financial data under my identity. ) Back at home, I tried to log into my Experian account and could not get access to it. Their system kept going around in circles about me updating my password ; then would not accept the new password. Upon calling Experian, they kept referring me to OPM ( United States Office of Personnel Management ) and their XXXX Identity Monitoring Portal, both of whom had no authority over accessing Experian 's online site. On the third call Experian said my account has been closed since 2013!???? When I logged into my XXXX account to see what they showed, the only bureau to show up was XXXX! I had always had access to all XXXX bureaus in the past and have printed out all XXXX credit reports from their site. The XXXX problem bureaus also not showing on my XXXX account has made me very nervous about my ID/financial security. What can I do?

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 2015-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I had a dispute with a merchant XXXX XXXX XXXX and asked them to stop charging my credit card I had on file as they do not have a way for me to cancel my credit card on their website. I called and advised I do not want their services and to stop automatically billing my master card. They said the would take care of it when I called but said they would not provide me with any confirmation coded as they do n't do that, just an internal note on my account. To make sure my card would not get billed again I canceled that card and was issued a new card number from capital one. As soon as I activated the card this merchant XXXX XXXX XXXX got my new card number without me giving it them and billed my new card. I call capital one and was told they did not give out the information and that master card provided them with the new information. I had to completely close my credit card account. I was not aware anyone can obtain new credit card numbers without the customers connect. I should have the right to stop a billing of a merchant on a credit card if that is what I choose and master card should not have the authority to provide my new car numbers without my authorization. Having to close my account has caused harm to me by hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: BlockFi Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have had approximately {$10000.00} in an interest account in BlockFi for over a year. As a result of ties with XXXX, they are pausing my transfer from my XXXX in my BlockFi digital wallet to my external digital wallet. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
I am contacting you as a customer of XXXX affected by the data breach at Experian. This breach has likely revealed my social security number, address, telephone number and other identifying information allowing criminals to open bank accounts and credit lines in my name. Experian offered 2 years of free credit monitoring service for affected customers. This is completely insufficient. The loss of my social security numbers is a grave oversight. The number can be abused anytime after the 2 year monitoring has ended. I expect that the monitoring service should be extended for at least 10 years, and that Experian should provide free and unlimited credit freezing and reversal of credit freezing at all 3 credit reporting agencies. The agencies generally do a poor job protecting from fraud and identity theft, as blatantly visible here.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
The name XXXX has been recently added to my credit report. That has not been my legal name in 10 years. If someone is actively or recently using this name on ANY credit related requests, it is FRAUD! Please take this inaccurate name off of my credit report. My full legal name for the last 10 years has been XXXX. Thank you!

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 2016-02-10
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I cancelled my auto policy with XXXX using the form sent to me by the current insurance company ( by fax ) three months later I received a collection letter from a collections agency I sent them documentation of my current insurance and the effective date, however, I took the first step to try and resolve the issue with XXXX XXXX and they refuse to correct the issue stating they did not receive the fax. After my fail attempt with XXXX XXXX XXXX I tried to communicate with the collection agency and they sent me a second letter demanding payment. I told them that this is double insurance and I should not have to pay but the was of no interest to them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: MiraMed Revenue Group LLC
State: WI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
MiraMed Revenue Group has called me over and over again for the last 60 days - but I paid the bill directly to XXXX ( the original company who invoiced me ) on XXXX/XXXX/2016 and have confirmed that directly with them. 

MiraMed called on XXXX/XXXX/2016. I returned the call on XXXX/XXXX/2016 at XXXX and informed them that the bill had been paid and that they were pursuing the debt collection erroneously. I provided receipt information and asked that they never call me again. 

MiraMed call me again, despite being told not to ever call again, on XXXX/XXXX/2016 at XXXX. Again, I informed them that the bill had been paid and to never call me again. Mid-sentence, the operator hung up on me. 

MiraMed called me again on XXXX/XXXX/2016 at XXXX. I did not answer the call. 

MiraMed called me again on XXXX/XXXX/2016 at XXXX. I did not answer the call. 

MiraMed called me again on XXXX/XXXX/2016 at XXXX. I answered the call and told them for the 3rd time that the bill had been paid and to stop calling me. I told them that I would report them to the FTC and said to never call me again. The operator continued to push me to make a payment and I refused. The operator then hung up on me. 

MiraMed has harassed me over a debt that should never have been in collection in the first place. They 've called me a total of 6 times - or 5 times after being notified to never contact me again. I 've communicated with them multiple times to stop calling. I contacted the original vendor and asked them to make sure I was removed from collection, as well, and they 've indicated that I should have been removed. MiraMed continues to call on a debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I was paying this card on time each month and the balance increased and I had a freeze on account and I have no idea how that occurred then each time I would call to resolve the issue so that I can continue to make payment on time because I was fixing my credit score now it 's a negative item on my report that 's affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: Resurgent Capital Services L.P.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
RESURGENT CAPITAL SERVICES IS ATTEMPTING TO COLLECT ON A DEBT THATS NOT EVEN MINE, THEY IN TURN PURCHASED IT FROM ANOTHER DEBT COLLECTOR XXXX XXXX XXXX, THEIR REFERENCE NUMER IS XXXX FOR A BALANCE OF XXXX. THEY CLAIM THE ACCOUNT ORIGINATED FROM XXXX, WHICH IVE NEVER HAD AN ACCOUNT WITH. THEY ARE THREATENING LEGAL ACTION, OF WHICH THEY CANT COLLECT ANYTHING BECAUSE XXXX  ON SSXXXX WHICH MEANS MY INCOME IS FEDERALLY PROTECTED. I AM DEMANDING A VALIDATION LETTER WHICH I AM ENTITLED TO WITHIN 5 BUSINESS DAYS. I ALSO WANT THEM TO STOP CONTACTING ME ON THIS MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-06
Company: I.Q. DATA INTERNATIONAL, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Because of a bedbug problem that they had. The agreement was we where to get out by XXXX XXXX 2014. We where out as agreed. The judgment was Vacated. WE lived in torture the whole time there. They voided there lease and we agreed to get out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08
Company: SCOTTRADE BANK
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Plain and simple : Scottrade has enormous hidden fees and cost me over {$200.00}. 

I opened an account with Scottrade a while ago and the branch manager that assisted in the account opening pretty much swore that the only fees are the {$7.00} per trade. Well that could not be more false. The additional and hidden fees at Scottrade are enormous and Scottrade does charge more than {$7.00} per trade. 

What is most worrisome is that Scottrade could not explain each one of these fees for me and instead repeatedly asked me to call the national center for advice. The national center could not answer them either, only stated that they would get back to me within a week. 

Well, it has been a week and I have still not heard of any explanation to the fees and whether I will get any reimbursement to my account. My advice to others, do n't be a victim of this company and take your money elsewhere.

Company response to consumer: Closed
Consumer complaint received 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 XXXX XXXX I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 non-monetary relief
Consumer complaint received 2022-11-19
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: Investigation took more than 30 days

Complaint:
I submitted my disputes XX/XX/22 and I didn't receive any correspondences from the bureaus and nothing changed. it has been way past the allotted investigation timeframe.

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 2022-11-19
Company: BlockFi Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
Hello, Block has my interest account in a necessary cold storage situation. I am concerned that the funds in my investor wallet are in cold storage and want to ensure that they are not being used to satisfy secured creditors if bankruptcy comes for Blockfi. They have paused withdrawals and transfers so I can not access my funds at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Complaint is against US West Collections, XXXX XXXX XXXX, XXXX AZ, XXXXFirst, a judgment was obtained against my spouse, XX/XX/XXXX, which was paid in full via garnishment of her wages, and a release of judgment was obtained. However, upon my spouse filing Ch. XXXX Bankruptcy XX/XX/XXXX, the Trustee demanded that the monies be returned. 

XXXX XXXX and XXXX XXXX XXXX were included as creditors in my spouse 's Ch. XXXX Bankruptcy, and the total of those debts were discharged, including the full amount of {$7400.00} they claim is owed ( copy of discharge attached ). However, this debt was referred to US Collections West. 

US West Collections obtained a judgment against me, separately, after the above debts had been discharged through my spouse 's bankruptcy, and garnished my wages from XXXX, XXXX XXXX XXXX. This judgment was satisfied XX/XX/XXXX XXXX copy attached ). 

It has since come to my attention that US West Collections is improperly reporting this debt on my credit report. Furthermore, after consulting with my attorney, US West Collections may have illegally garnished my wages and committed a stay violation for the previously discharged community debt through my spouse 's Ch. XXXX Bankruptcy. It is illegal to attempt to collect a debt post-discharge, and as Arizona is a community property state, each spouse has a 100 % interest in the other spouse 's assets, including income. This is referred to as a " phantom discharge '', and can be found in the Federal Bankruptcy Codes XXXX XXXX XXXX and XXXX XXXX XXXX. In addition, the copy of the enclosed discharge also states that collection of discharged debts from community property are prohibited and the violator may be required to pay damages and attorney 's fees to the debtor. 

This has caused denial of credit and potentially denial of a mortgage for not only myself, but my spouse separately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: CITIBANK, N.A.
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: Problem with personal statement of dispute

Complaint:
Opened a sears account in XXXX of XXXX, I paid and made all payments on time in XXXX of XXXX sears reported that I made a payment 30 days late AFTER the due date which is false, the months before I made 2 payments for a total of {$150.00} dollars in XXXX, an made another payment in XXXX for {$50.00}, after my efforts to try an dispute it from XXXX failed cause sears said that the information is accurate, my account which showed what was paid was disabled/removed and sears reason for deleting my account that PROVES I made the payment was that it was supposed to be deleted because we CLOSED YOUR ACCOUNT for inactivity, I still have the receipt that sears sent me before closing the account because i saved it, an I would like this to be resolved, since this is the only DEROGATORY mark on my credit

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 2022-11-19
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I purchased XXXX XXXX XXXXXXXX XXXX  shirts for {$230.00} at Macy 's in XXXX, MA. The computer malfunctioned during the transaction and they moved me to another computer and checked me out. I used {$10.00} Macy 's money on the final transaction bringing the price to {$220.00}. When I got my credit card statement I saw {$450.00} on it. I disputed the transaction but they denied it because the amounts were not the same, despite me explaining the reason for the difference and the proof being in the receipts. They also confirmed on the initial phone call that the bar codes matched exactly. The disputes department did not do their due diligence when researching this issue and I am stuck with a {$230.00} bill for a product I didn't buy.

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