BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-14
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XX/XX/ contacted Discover They are willing to defer payments due to virus but are still charging an outrageous interest amount and arent willing to remove it. 
I have another credit card that is doing both. These are the only two credit cards I have.

Discover is taking advantage of people with no income by charging outrageous interest rates during this crisis!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2021-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 
This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2016-02-01
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Good Morning, My issue with this company was that in XXXX XXXX I signed up for their web hosting service. During their whole pitch it was n't mentioned that XXXX was tied to a one year contract. Well XX/XX/XXXX I was told by superlative that it was a one year contract by XXXX XXXX, the person that came to XXXX pitching his horrible web hosting service. So I tried cancel ; ling it the following month which was the anniversary month in XXXX XXXX. I left 2 voicemails and an email!!!! Thinking they had honor the request and I did as I was told, I was still charged the following month. They refused to grant my request!!! Then they kept charging be XX/XX/XXXX until I finally cancelled my card in XXXX XXXX. They kept calling me and harassing me. I told them I canclled them back on anniversary date which was XXXX XXXX but they refused to honor it. I then got a bill for {$100.00} on XXXX XXXX XXXX. A year way too late in which they finally agreed to cancel my contract. They decided to take it upon themselves to cancel it on their terms. I was told by their debt collection agency it was a 2 year contract now not 1 year like I was told by XXXX XXXX. This is outrageous and if you look them up on XXXX there are a ton of other victims of this horrible business practice. I am getting hit on my credit report for this injustice. I have warned my fellow agents about this horrible company. This company sent me emails in the spring of last year telling me I had to pay. I told them I could n't afford it anymore and was n't getting any results from their service. They threaten collection so I had to beg for an extension to pay for XX/XX/XXXX for a service I was n't using cause they supposedly did n't get my request. But I should n't have to pay for something I cancelled on my anniversary date on XXXX XXXX. The Collection agency transworld system has been assigned to this. They already hit my credit rating and I have yet to receive this supposed invoice that I owe. I will submit the final letter from Superlative stating that they were sending my supposed debt to Transworld Systems Inc . Prior to that letter they tried to blackmail me for a partial payment on an email for about XXXX dollars. I can FWD that email to the person ( s ) that will be looking into this. I will just need an email address to send this blackmail email. This has been so stressful and very uncalled for..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Experian Information Solutions Inc.
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:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX po box XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$690.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX XXXX XX/XX/2022

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 2016-02-01
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have a checking account with Citi and the bank has a feature called Checking Plus which is activated when my account went into overdraft. Once the overdraft happened, Citi essentially creates a loan with the overdraft amount. However, unlike other banks where a subsequent deposit would go towards the overdraft, Citi does not used the deposit to repay the overdraft line of credit. Instead, it starts charging double digit interests on the overdraft amount and just takes the monthly minimum payment from my regular checking account. I just discovered this when I looked at my banking statement more closely. Basically, even though I have more than enough in deposits to cover the overdraft, Citi has been charging me double digit interest rates on the so-called loan. I did n't even know when the overdraft had occurred and it seems like it 's been more than 1.5 years ( since that 's how far their online system goes ) and I 've been paying close to 20 % APR on this so called convenience that they provide for their bank customers. 

I do n't think this is a consumer friendly practice and this product is almost purposefully designed to get consumers to pay way more for the little convenience that they had offered for covering for the overdraft. I have never seen this practice at other banks and I think this is predatory behavior on the bank 's part.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I had my {$490.00} payment on auto withdrawal from my account every month on the XXXX. Unfortunately, this setup only lasts for one year increments for some reason. I called Navient last month to tell them to keep my payments on the XXXX of every month because that worked for me. I just happened to check my bank account this morning and saw the payment came out on the XXXX instead. It 's my understanding that it 's illegal to withdraw an unauthorized debit from an account. I called Navient and they said they would n't have done that and will be reviewing the tapes and get back to me. I know for a fact I asked to keep my payments on the XXXX of every month because that works for me. Now I need to find another way to make rent this month because my NEXT paycheck should be going towards my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: EQUIFAX, 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: Account status incorrect

Complaint:
the bureaus are reporting an account that i paid off as late when i have a letter directly from the creditor stating that i was not late

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: SUN LOAN COMPANY INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I filed for bankruptcy XX/XX/2018 XXXX Sun Loan was a part of this bankruptcy and will need to be removed from my credit report and ONLY listed as an account under my bankruptcy discharge as a closed account. Please correct this issues immediately. It is my right to file a complaint for reporting false information according to the fair credit 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 non-monetary relief
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: TN
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:
Equifax security breach, I was flagged as being a victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
PayPal credit account had wrong address, collections dept contacted me and we agreed if I paid off my account she would close the account I paid and received another bill for XXXX dollars

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-23
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XX/XX/XXXX-2021, I attempted to close my Best Buy Credit Card because of non-use & I already had a Citibank Credit Card, which this seemed to duplicate. They listed a charge for the continued 'XXXX XXXX  ' service, which I hadn't used in at least 10 years. I was told to call their XXXX XXXX service, to remove this, because their Billing Department was, somehow, separate, and I was given a special number. I called and this Representative was able to ZERO my Account, with a small Fee of {$.00} ( cents ), she couldn't remove. for undetermined reasons. I VERIFIED that this was ALL O owed & was assured I would receive NO further Billing, after payment. On XX/XX/XXXX2021, I received a Bill from Best Buy Credit Card, that they were charging me a service Fee of {$2.00}, the Charge they are making against this CLOSED Account seems to be dated XX/XX/XXXX2021, which includes {$.00} ( cents ) of INTEREST on a purchase, not detailed, nor product that was gained/lost/ When I called to dispute this, I finally spoke to a Manager AT the Billing Department and was told he couldn't remove the charge and I would, again, have to call another Department. I was told by this Manager, I would have my good Credit, lowered if I refused payment. This is nothing less than Fraud and terrible Business practice, PLEASE help!

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 2020-04-14
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
the bureaus are reporting an account that i paid off as late when i have a letter directly from the creditor stating that i was not late

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 2015-05-19
Company: Diversified Consultants, Inc.
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
paid off debt for XXXX sent me to collection for paid bill wo n't remove item.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I requested a credit line increase from Citibank , N.A . after being told by a representative that doing so would only result in a soft-pull inquiry on my credit report. However a hard-pull inquiry was conducted on my credit report. I sent a certified letter to Citibank requesting they either send me proof of me authorizing them to hard-pull my credit report or remove the hard-pull inquiry. They sent a reply stating they are unable to remove the inquiry and did not include proof of authorization.

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 2021-12-23
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX my Coinbase account was emptied. I opened the account in XXXX and never touched it for years. In XX/XX/XXXX I was contacted by XXXX of XXXX as agents for Coinbase. They offered to help me to move funds in my account to increase my earnings. XXXX XXXX was my contact and he provided me with almost daily information on my account including graphs showing how my funds were increasing. At his suggestion I made XXXX {$10000.00} transfers to Coinbase between XXXX and XX/XX/XXXX, with the last one taking place on XX/XX/XXXX. On XX/XX/XXXX I was no longer able to access either my Coinbase account or XXXX. It took me XXXX days to reinstate my account with Coinbase ( they kept asking me to re-set my account ). By mid XXXX I was able to access my account and found that it had been emptied on XX/XX/XXXX. I contacted the local police who sent XXXX XXXX XXXX to visit us on Wednesday, XX/XX/XXXX ( Case No. XXXX ) and at his suggestion I filed an Internet Crime Complaint on XX/XX/XXXX. Although the report was acknowledged, I have never heard back from them. In the meantime, I have had multiple communications with Coinbase who claim that they have always followed my requests. They sent me several reports showing the movement from my account on XX/XX/XXXX and the amount of the transactions, which were much higher than the funds I had in my account. When I asked them for further explanations regarding these reports, Coinbase provided me with a link to a site where I can subpoena them - I only wanted further information and had no intention of suing them or forcing them via subpoena. Obviously, my account was hacked and emptied, but what I want from Coinbase is information about how this was done and by whom, and the explanation for the very high volume of transactions that appear to have taken place in my account. I will attach a copy of my complaint to the Internet Crime Complaint base which provides information concerning XXXX and the different people involved, with dates of contacts, etc. XXXX additional name to add is XXXX XXXX who responded to one of my calls to XXXX XXXX in XXXX. His number is XXXX. I am not sure what connection he has to XXXX, but he was not happy to get my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
There is a financial account on my credit I know is a mistake. It is from a company called XXXX XXXX. After doing a search for it on online, it appears to be an insurance company. I have never heard of them before. This account is not mine and I would like it removed from 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 2020-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Capital One charges interest based on an average daily balance on your account and if you do not make payments in full you will be subject to this average daily balance interest charge. 

I had made the mistake of not making a full balance payment last month and carried a balance of roughly {$200.00}. The interest charge I had received was {$16.00} that month due to a recent, large purchase after the month had ended ( so a charge on the new month ) which had a significant impact on my average daily balance. So, the interest charge that was applied was much larger than it should have been for the outstanding balance in the prior month. 

I have no been making sure that my balances are fully paid off, however, I am still receiving interest charges based on my average daily balance. This month, with a fully paid off balance, I received an interest charge of {$15.00}. Personally, this is not terribly impactful, but I am certain that more people are exposed to this unsavory practice and are not aware of the charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Made large payment for loan requesting principle payment but Bank of America didn't process as principle payment as requested. 

After fixing issue with significantly reduced principle balance, Bank of America continues to charge me interest on larger loan balance instead of reduced balance remaining after large payment. 

Bank of America doesn't show principle and interest of monthly payment on online access to account nor on monthly statements like other banks with loans.

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 2021-12-23
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I started dispute ( s ) on multiple transactions on my DISCOVER CARD starting back in XX/XX/2021. DISCOVER said they would look into the disputes and in the mean time credited me back the funds. 3 months later late XXXX DISCOVER CARD reverses all the credits they gave me and said I owed them with no proof or explanation sent to me. The entire time while these transactions were in dispute they reported inaccurate and invalid information to my consumer credit report reporting I owed a balance. I told DISCOVER employees that this was a violation of Title 15 U.S Code Chapter 41 1666 ( B ) and ( d ) Correction of Billing error by taking more than two billing cycles to finish the disputed transactions investigation, reporting to my consumer credit report the entire time incorrectly stating I owed a balance when in fact I disputed the transactions thus such negligence ruined my consumer credit report and once I brought up these violations they meaning DISCOVER stated I must provide verification or my DISCOVER account will be closed. Verification as in my Social Security Number. I make this complaint today on XX/XX/2021 due to the fact they are still committing this fraud, illegal activity willfully and knowingly. XXXX from the executive department has received my complaint, emailed me but somehow after all this time I owe them a new balance when my account has been frozen for almost two months. I was owed {$240.00} proof in the attachments, now they balance transferred who knows what and now I allegedly owe them money. This is Non sense. If this persist I will be seeking legal council for legal suit for Civil liability pursuant to 15 U.S Code 1640 and Criminal liability for willful and knowing violations. As demanded in my last CFPB report I want my {$240.00} owed to me back, I demand my security deposit you illegally took back which is {$300.00}, and I demand {$6000.00} in compensation for violating my consumer rights, wasting my time, stressing me out, and not taking the matter serious and all the illegal activity you have committed like freezing my account, sending me letters demanding my Social Security Account Number and stating if I do not you will close MY account.

Company response to consumer: Closed with explanation