BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-03
Company: Credit Karma, LLC
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2021. I went into my credit karma app and it told me I was approved for a credit card for XXXX XXXXXXXX. So I applied. Once I did I was denied some time later. It really did infuriate me. If need be I can send you images of the hard inquiry that was made on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Total Card, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I 1st called to close the Total card on XX/XX/XXXX due to annual fee of XXXX and mthly service fee of XXXX. I received an email in XXXX that I owed money so I called them and they said the account was closed already. I called again in XXXX and then on XX/XX/XXXX I spoke with supervisor XXXX about account not being closed in XXXX or XXXX and he promised me that it would be taken care of. The most recent call I spoke with XXXX a Supervisor who said this would be resolved by Friday XX/XX/XXXX. I got an email XX/XX/XXXX saying that I owe Total CC XXXX in late fees and interest fees. This is ridiculous I dont understand why this company wont just close my account. Its been 4 months since I closed the account back in XXXX, plus late payments are being reported to the credit bureau monthly. This company then continued the problem by lying to the CFPB I reached out to them in XXXX and they said that they removed all fees which should have brought the balance to XXXX  which it did at the time. Then in XXXX they charged a fee of XXXX even though I called in XXXX XXXX to XXXX to close the account. Then they charged mthly fees & late fees in XXXX, XXXX, XXXX, and XXXX. I called every month and every time they promised they would fix the problem. They need to erase the fees and the balance on this account. I closed this account with a XXXX balance in XXXX period. So I should not have any balance and there should have never been late fees charged or reported to the credit bureau. Everytime they waive fees they live a balance like right now there is a balance of XXXX cents even though they stated to the CFPB that the account was finally closed properly as of XX/XX/XXXX. Apparently they leave a balance so the ACCOUNT stays actively accruing fees and interest even after closure of an account.This is the longest its ever taken to close an account and be done with a company in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: Franklin Collection Service, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I disputed A collection with Franklin Collection company through XXXX on XX/XX/XXXX that the debt was paid in full and should be removed from my credit because it is false reporting. It has been almost two months now and they have not responded nor fixed the error. They are saying I owe {$1000.00} which is false. It has impacted my score and I would Like it fixed and removed from my credit for good. My dispute number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On or about XX/XX/XXXX, {$520.00} Transworld report to the three major the 3 major credit bureau on behalf of XXXX XXXX third party company that purchase this account that was closed out on behalf of identity theft. Transworld without given me the rights or sending letters as to notify of the debt and the rights to dispute the debt proceed to report info to the bureaus without my given rights under the fair debt collection laws no one, the agency deceived the bureaus by first claims reporting was due to natural disaster. I have never received any documents to validate or given info to dispute. I however, can valid proof that the reporting is not mine. I have never had XXXX XXXX and Now, Transworld is report that it was open in XXXX in attempts to hurt my good credit. Transworld on XX/XX/XXXX told me it would be remove from my credit report and sent back to the third party agency which, Transworld refused to give me a name or address to file legal actions against both Transworld and the third party. Transworld told me it would be removed from the credit report however, XXXX has update the info to reflect that it was open in XX/XX/XXXX and I have services with XXXX XXXX and it can be verified. No to mention, it shows it will remain on my credit until XXXX. I have never received anything from Transworld and will be obtaining an Debt Attorney licensed under the Federal Trade Commission to handle it this is not removed from all three credit reports. I have supplied Identity fraud info and Transworld is XXXX  which the company has stated info was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Transunion credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. Please update these ASAP. Also, I want these late payments deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-14
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD
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 vehicle was stolen in XXXX of XXXX. My insurance company settled the loan amount with Nissan Motor Acceptance/Infinity Finance and paid off my vehicle. Paid in full. 
A year later I received a bill from a collection agency stating that I owed over {$500.00}. I called them and inquired about the balance. I explained to them that my car was stolen a year ago and XXXX paid the debt in full. They stated to contact my insurance agency on perhaps an error. XXXX sent me proven documentation that it was paid in full. In XXXX I refinanced my house and the same debt still appeared on my credit report. I had to just pay the debt so I could move on. Three years later it still shows the same amount of debt even after paying it. I have written many letters to Nissan Motor Acceptance. I hired a credit repair to assist and they have written letters, I have made phone calls and even written all three credit bureaus. There response today is that they have NO record. However, they are still reporting a charge off on my credit report. This is very unfair as I have NEVER been late with any car payments. My insurance satisfied this debt. I still paid it to move on hoping it would fix my credit. Even though I did not owe this debt. Today they are still reporting something a balance they have no proof of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: National Credit Systems,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: Problem with personal statement of dispute

Complaint:
this account is unknown to me, I have no knowledge of the account. I never recieved proof that the account belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX XXXX Balance {$1300.00}, XXXX XXXX Balance {$100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Citizens bank stated that I owe them the amount of {$470.00} on the date of XXXX XXXX. I would like to get this disputed due to the fact I told Citizens Bank that I was scammed and Citizens Bank referred me to a Top Tier Worker and they said give them time for investigation. The problem still was not resolved and it's going on a Year. I go to another bank which is XXXX XXXX XXXX XXXX I go to open a business account and the XXXX XXXX stated that I can not get a business account due XXXX XXXX XXXX XXXX. 
The Address is ( XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX ) which is a credit Union I go to open a business account and the credit union stated that I can not get a business account due XXXX XXXX XXXX XXXX. 
The Address is ( XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX ) which is a third-party company that have my information without my consent. Also giving out false information. That {$470.00} was not me. 
I was scammed I would like this disputed. I would like the amount of {$470.00} to get exonerated immediately before I get law involved. 

Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: HYUNDAI CAPITAL AMERICA
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
My wife and I leased a XXXX from a XXXX dealership in XXXX in XX/XX/2018. We were very up front that we were a active duty family and moved pretty consistently. We were advised that having a lease would not be an issue since all of the fees are paid up front or at the end. Fast forward two years later and my payments went up {$40.00} dollars and no one could tell me why my payment had changed when nothing had changed. This was before XXXX and I finally was able to get an answer after XXXX XXXXXXXX XXXX Day. A rather rude agent told me that my payment had an additional sales tax added to the payment. I told him that should not have happened considering that nothing had changed on my account. Temporarily the address had changed and he claimed that that was the reason. There was nothing he could do but I could contact the tax authority near my home for help. The car is registered through our home state and has been for years. There was no disclosure sent to my husband or I and the statements do not show where the the fees were added or how much. Half of the statements are missing and I have requested them with no avail. All I want is for my payments to be back to where they where and for the company to fix their dishonesty. I will definitely not be buying this car at the end of my term.

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 2019-04-06
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXXXXXX There is no valid claim, no contracts exist ... account was settled with original creditor by and there is no balance and negative payments is still being reported. I am quite appalled and indignant. ( Debts can not be collected twice ) & this has damaged my credit scores. 

Grave errorsfalse claims and reportingsI want this accounts removed or corrected immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
When I 1st got my card I was told that my credit would be evaluated for an increase. It does not guarantee that my credit would be increased but it would be reviewed for consideration. I have received letters date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with a denial. I previously found a complaint and in the complaint response that I received from capital one they mentioned the SCRA that is for military that had nothing to do with the complaint that I made about what they were doing. 
Capital one is illegally denying me a credit line increase because they are not reviewing my credit report. On the most recent one they say that I have a consumer alert which is preventing them from reviewing my credit report. However if somebody would call me to identify me the same way that they had to do when I applied for this credit card as well as when I applied for the credit card that i was approved for in XXXX. They had to verify my identity because of the fact that I've gone through identity theft. I called tonight and I spoke to XXXX who refused to help me. And then I spoke to XXXX who basically interrupted me and stated that capital one does not make any contact with anyone when they're viewing credit which is false. 
I am now just making a complaint because somebody needs to know what they're illegally doing. You can not tell me that I have a consumer alert is preventing you from accessing my credit but you're not reaching out to me to resolve it. Because if you can do it when I initially get credit then you can do it now. That's again in direct violation of Reg Z, you must tell the truth and they're lying. This is unfairness and it feels like racism.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2020 around XXXX XXXX  I received an alert from XXXX XXXX  and XXXX XXXX about a new hard inquiry which i do not recognize. It was made to XXXX  by Barclays Bank Delaware. I have not solicited any credit services since XX/XX/2020. I tried contacting this bank via phone at XXXX but was unsuccessful after waiting on hold for 2 hours. I already placed a frod alert through XXXX  to all 3 credit bureaus. Since i was unable to contact barclays bank delaware, i need a report from ftc so that XXXX  can remove the fraudulent hard inquiry 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 2021-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
XXXX  had an address for me in California. 
TransUnion had my birth year off by 5 years. 
XXXX  has an alias of XXXX XXXX. 
Someone had an address for me in Illinois and Kansas. 

Incorrect payment history for XXXX across all credit bureaus. XXXX has stated 4 times to CFPB that everything is accurate. 
XXXX mortgage account number XXXX Are you mixing my account up with another XXXX? 
Is XXXX mixing my account with someone else and thats why they claim reporting is accurate? 

There are many inquiries that I have no idea where they came from. I have spent the last year contacting every creditor that has an inquiry and none of them will give me any information on why they authorized access to my credit report. The credit bureaus and creditors play tennis back and forth blaming each other.

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 2021-01-15
Company: NAVY FEDERAL CREDIT UNION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX, at XXXX I was meant to be wired a repayment from a good friend. She banks at Navy Federal Credit Union, the branch was XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The payment was international from XXXX to XXXX, and heading for my British account. 
The projected time of " funds available '' came and went, no money was received. My friend had to go back in to the branch, where it was discovered the clerk had filled in the form incorrectly, so a trace was initiated and the payment to me was promised in XXXX working days. That time also came and went. The money is missing, my friend was told her concern would be addressed in a " case by case '' decision, which is terribly unfair, and wrong. 
The bank lied about sending my British bank an email, also, as they don't subscribe to " XXXX '' payments, they assured her the " routing '' number, our version of a sort code, would find the missing money, which was not truthful, as only identified the branch, not a payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: DISCOVER BANK
State: NY
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:
XXXX/XXXX  property show on there only statements that I over paid, my is rent is XXXX an month. Section 8 pay XXXX an month and I pay XXXX an month. According the statement issue by Colonly on XX/XX/XXXX Section 8 was paid up to XXXX of XXXX and I already paid for the month of XX/XX/XXXX and Partial of XX/XX/XXXX, so I dont understand where and why this report was made. This report was credit bureaus. Please look into this information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am writing to file a complaint about a failed ATM deposit that occurred on XX/XX/2023 at XXXX at a US Bank ATM XXXX I attempted to deposit {$1000.00} in cash into my XXXX XXXX ( XXXX ) checking account. However, the deposit failed, and the ATM did not return my {$1000.00} cash. 

After the failed deposit, I contacted both US Bank and XXXX to resolve the issue and retrieve my money. However, I have been unsuccessful in my attempts to retrieve my funds through either of these channels. I have provided documentation of my failed deposit to both institutions, but they have been unable to provide any resolution or explanation. 

I believe that the ATM malfunction or system error is to blame for the failed deposit and the loss of my funds. It is unacceptable that neither US Bank nor XXXX have been able to resolve this issue and return my funds. 

I am now seeking your assistance in resolving this matter. I am requesting that the CFPB investigate this failed ATM deposit and take appropriate action to ensure that I receive my {$1000.00} back. Additionally, I would appreciate any support you can provide to hold US Bank and XXXX accountable for their failure to resolve this issue. 

I have attached all relevant documents and information related to this failed deposit, and I am willing to provide any further assistance or information as necessary. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody that I do not know. My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with non-monetary relief