BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-15
Company: CITIBANK, N.A.
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: Was not notified of investigation status or results

Complaint:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

MACYS/DSNB - Late 30days I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.

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 2015-07-01
Company: CITIBANK, N.A.
State: OH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
XXXX We did a 6 month same as cash with them while purchasing a pool from XXXX XXXX They sold our telephone number to XXXX or XXXX different companies. I received so many calls from random numbers it was insane. I called and had my number removed. I 'm still waiting for for {$500.00} credit that was on my account. I made the payment on XXXX XXXX, 2015 and called on XXXX XXXX and they said they would mail me the check and I would get within 17 business days. Called today, XXXX XXXX and surprised my check never got mailed. They are now telling me again it might be another 17 days. I have another call into management. I would never suggest this company or ever deal with them again.!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX added derogatory marks on my credit file the amount was {$760.00}. I initially disputed it in XX/XX/XXXX Ive never had a XXXX account. ( at that time another collections company called contract callers had this account. ) which I disputed with all three credit bureaus and contract callers the results from that dispute was the deletion of this erroneous debt. 

On XX/XX/XXXX I was notified by my XXXX app that ( ENHANCED RECOVERY ) been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. I dont have a signed contract nor any with ENHANCED RECOVERY. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX. I am not responsible for this debt from ENHANCED RECOVERY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: Gurstel Law Firm, P.C.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was sent a letter from Gurstel Law offices in MN  and they said they were acting on behalf of XXXX XXXX XXXXXXXX and attempting to collect a debt. They served me a Summons and said that I was being sued because of this debt. They would not answer any of my calls or emails. This information was put in the letter head for me to contact them however after several attempts I never was able to speak with anyone. I was asking for proof that this debt and as stated " Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account ''. This information was never provided. I was in the middle of closing on the sale of my home and they entered in a Judgment and I was not able to close the home without this judgment being paid from proceeds of the home sale. They took that money and have not communicated with me regarding this account with XXXX XXXX XXXX. They never reached out to me in any way. They have a fraudulent account according to law if they can not bring to me a physical, signed copy of my agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX of 2021, I called XXXX because I had some fraudulent inquiries and they told me I had to file a police report or an FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XXXX XXXX, I received a flyer in the mail from Citibank that offered me a promotion to open a Citibank CitiGold checking account. The bonus offered XXXX AAdvantage miles in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account alongside with spending {$1000.00} on the debit card. 

After enrolling and successfully opening up the account with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. 

On XXXX XXXX, XXXX, I Confirmed with Citi that I fulfilled all terms of the offer and that I should be receiving the bonus no later than my XXXX XXXX statement cycle. 

After reviewing my XXXX XXXX statement cycle, I did not receive my bonus points as promised. I contacted Citi on XXXX XXXX, XXXX and they said that an internal investigation was opened on my behalf. 

On XXXX XXXX, XXXX, Citi 's investigation team informed me that my bonus was denied for the following reason : " This promotion was not offered in conjunction with the opening of your account '' I called Citi on XXXX XXXX to appeal the denial, citing written confirmation from Citi that states : - The promotional offer is attached to my account and ; - I qualified for the promotion and ; - I met all requirements to receive my bonus. 

In the call on XXXX XXXX, they state that they will re-open the investigation and that I should receive the results in 2-3 business days. 

Its XXXX XXXX now and the case is still pending. 

It really looks like Citi is trying to pull a bait and switch on me. It 's been two months since the promised bonus and I have not received anything.

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 2020-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have written this credit bureau about a name listed on my credit file " also known as '' XXXX XXXX XXXX XXXX is incorrect. I have supplied proof as well as a written request. 
I contacted TransUnion customer and was told the name XXXX XXXX XXXX XXXX was reported by a creditor who verified my name address and social security number. 
I have disputed this creditor in the past and asked for the method of verification TransUnion used to verify this is indeed my information from this creditor. 

TransUnion refused to provide this information. TransUnion is in violation of FCRA, there was no 26 point inspection before agreeing to post this information posted to my credit file. 
TransUnion refuses to provide any proof of verification, method of verification or result of an investigation. 

ALL DOCUMENTATION OF IDENTIFICATION IS ALREADY ON FILE WITH THIS CREDIT REPORTING AGENCY.

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 2015-10-20
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
This complaint is regarding Home Depot Credit Services who has billed me {$1900.00} in interest charges on a 24 month no interest promotion. In those 24 months, I made payments in the amount of {$4800.00} of which only {$190.00} was applied by Home Depot Credit Services to the promotional balance. When I inquired, they said it was my fault for not calling monthly to tell them where to apply my payments whereas my payment should have been applied to the promotion first ( which does n't account for the {$190.00} credit that I never called them about either ). I would like to know if I have any worthwhile case against Home Depot to remove this interest fee based on my making above-the-minimum-payment each month as was required of me. Home Depot presses that it is my fault for not calling them monthly and for not reading my statement each month, which in the years XX/XX/XXXX-XX/XX/XXXX Home Depot is well aware that online banking exists rampantly and the consumer should feel safe in making regular payments through his bank without reading the " fine lines '' of every billing statement. They count on this for their bottom line as opposed to any concern for the consumer. If even just the payment amount over the minumum payment is applied to the promotional balance, in the last 12 months ( not 24, which the promotional period is for, but for which I do not have statements currently ), then I have paid {$1300.00}, with ( 1 ) shows only one of the two years of payments in the period ; ( 2 ) shows my intent at purposely paying more than the minimum to ensure against incurring an interest fee on the promotion and ( 3 ) ; still begs the question how only {$190.00} was applied to the promotion. While I do n't have the remaining statements showing what I paid above the minimum payment, I have made the request for the archived statements through Home Depot to prove that I should not have incurred the interest on the promotion, based on my having paid Home Depot approximately {$1500.00} more over the past 24 months than the initial promotional balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
Company: Coinbase, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2022 over {$7000.00} in XXXX XXXX funds were stolen from my Coinbase account. I believed I was talking to a tech support person and instead I was scammed out of the funds above. I have contacted Coinbase and provided them with all the relevant information and they have stated that they are unable to retrieve the stolen funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Credit Inquiries I didnt authorize

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 2020-10-24
Company: Bridgecrest Acceptance Corporation
State: NC
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:
My account was showed on the credit report as being late in XXXX and XXXX, I've always paid my account on time before the Covid -19 crisis, I contacted the company to let them know I was quarantined for two weeks both months due to covid exposure and the creditor told me it would not be a problem and it wouldn't affect my account but they still reported late payments to my credit report, I have disputed the account and provided paperwork but both times nothing has changed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
A XXXX ad for an apt was put up earlier today ( XX/XX/22 ) and when I contacted the supposed owner, I was asked to go to a website to get a credit check. The link for the website was : XXXX XXXX XXXXXXXX. It took me to TransUnion website where I had to put personal information ( name, DOB, and SSN ) and pay {$26.00} for a credit check. Once I had done this, I failed the safety check and was not able to see my score. When I contacted the owner of the property about this, they never responded to my email despite being very prompt prior to asking me to do the credit check. I took steps to cancel the account on TransUnion website because the charges would have been monthly.

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 2020-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts. Please remove them from my credit profile.

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 2017-03-26
Company: CITIBANK, N.A.
State: DE
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/2005 I opened a second mortgage with CitiMortgage. The monthly payment was XXXX for a 20 year term. The interest is 7.89 %, which I considered high but figured I could refinance to a lower rate once the home renovations were completed. As the years advanced, I ran right into the housing crisis and the housing values dropped in my neighborhood. As I paid down the second mortgage I on numerous occasions attempted to do a refinance with citmortgage and other institutions. I kept running into the issue that in order to do a cash out refinance to pay off the second, I could not borrow more than the 75 % equity to pay off both first and second mortgage. When I contact citi about lowering my second, they stated that all the programs that they had were for first mortgages, not seconds. This has left me since the inception of the loan making over 135 payments of XXXX, totaling {$78000.00} on a loan with a originating balance of {$70000.00}. I fell that if I had been able to refinance this loan at 5.25 %, that would be a savings of 2.64 %. This equates to approximately {$1800.00} a year in lower apr. Amortizing over 12 years, this is over {$20000.00} dollars in finance costs due to my inability to refinance this loan due to the drop in house values. I am asking in light of my consistent payments over 12 years, and the inflated, non market rate apr of 7.89 % that CitiMortgage write down my remaining balance of {$42000.00} by the {$20000.00} in overage in the last 12 years. By doing this and lowering the second to a market rate of 5.25 %, this would allow me to continue to be able to service this debt. I truly feel that all the programs that existed out during the recession only targeted the primary mortgages, and I suffered a much higher interest rate with no other recourse.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Experian Information Solutions Inc.
State: AL
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:
To comply with the Uniform Commercial Code in a state, a UCC-1 Financing Statement must be filed with the Secretary of State, by anyone who makes a claim against any other person in the area of commerce. All government agencies, ( city , county, state and federal ), operate in commerce and all of them are private corporations ( persons ). I am enclosing a copy of a UCC-11 Information Request to show proof that there is no public record of any debt being owed to any corporations. Due to these findings it is imperative that any credit reporting bureau that are listing this inaccurate account on my report, be removed/deleted immediately being that there is no evidence to show that a debt is owed to them. I hope you find the enclosed information sufficient to conduct your investigation so that you may enforce the laws designed to protect the public from misleading or unlawful business practices.

Below you will find the account that are currently being disputed : XXXX ACCOUNT NUMBER 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 2022-07-15
Company: Affirm Holdings, Inc
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
When checking out for an order on XXXX I elected to use Affirm via XXXX XXXX ( a XXXX company ) for a purchase of roughly {$400.00}. When they first payment went to be processed my card was declined, which I was not notified about until 31 days past ( day 31 is today ). Upon my trying to rectify the situation by manually processing a payment on their website, XXXX  XXXX, and XXXX XXXX  all allowed me to input additional payment information but payments continued to fail. After calling their customer service and speaking with three separate people I was able to attempt to pay off the balance of the loan using my husband 's debit card ( they re-tried my credit card, which was not able to be validated by their system despite my account showing me available credit ). Their ( the company 's ) payment processing system was at first not able to validate my husband 's debit card to complete a payment but after some trouble-shooting from him the payment was, in fact, processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: Coinbase, Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I sent XXXX Bitcoin Cash to Coinbase witht he intent to sell it into my USD wallet. Coinbase accepted my transaction, but when I went to sell the BCH moments later it would not allow me too, citing that it was disabling buys and sells. I signed up for updates to the problem, but never recieved any updates, and watched my account value drop by over XXXX dollars. I never found any updates by coinbase that buys and sells were working again, but just kept trying, and was successful on XX/XX/XXXX, late in the afternoon. On XX/XX/XXXX, I bought Litecoin on coinbase, and tried to sell 5 minutes later, recieveing the same disabled notification for buy 's and sells, citing volume.

Coinbase is systematically ripping people off, and should be held accountable for their inability to protect our funds and function when it benifits the users that trusted them. Currently, coinbase only seems to funtion or fail when it benifits them, and the trend is consistent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09
Company: Solidus Group LLC.
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX XXXX of Delaware solutions contacted a family member and gave out my personal information, that has caused hardship with my family. Is this a violation of privacy and is there any recourse?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: AL
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX XXXXX Date Opened XXXX XXXX, XXXX Balance {$200.00} ; XXXX XXXX  XXXXX Date Opened XXXX. XXXX, XXXX Balance {$140.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX  XXXX Inquiry Date XXXX XXXX, XXXX

Company response to consumer: Closed with explanation