BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-28
Company: Franklin Collection Service, Inc.
State: TX
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 '' continues to report inaccuracies about past debtors and/or fraudelent creditor collectors on each credit report. My credit score remains drastically low. I had disputed many erroneous credit items including personal information such as name/address/telephone numbers via telephone. Now, there are these follow-up mailed documents from other third party collectors on bearing of XXXX XXXX namely, " FRANKLIN COLLECTION SERVICE, INC. among the multiple debtors whom I had previously disputed via FTC/FRCA. 

" XXXX XXXX XXXX  '' " XXXX XXXX XXXX XXXX XXXX '' is another creditor whom I have been issued a unsecured card ; now appearing as a secure card. However, this credit solutions agent if XXXX XXXX is committing fraud. The scam is that while my card remains open ; it accumulates a " monthly late fee '' without any activities and I must pay that outstanding balance to remain in good standing. My last payment on a blocked card was on XX/XX/XXXX and my account was {$0.00}. In XX/XX/XXXX, I reactivated a new replacement card ; only to be faced with a balance of {$180.00} which includes next cycle of late fees. I have made a full payment of {$180.00} on XX/XX/XXXX. 


" XXXX XXXX XXXX '' has been erroneously listing my account status as ND=NO DATA and OK since the year XX/XX/XXXX. I had completed payment of my student loans and this account was closed in XX/XX/XXXX following a full year in good standing. I had contacted student consolidation loan center " XXXX '' and spoke with a manager in XXXX, NY on last year ( XX/XX/XXXX ) requesting that they should he should follow through on reporting the correct CLOSED date. He had not done so and XXXX reflects payment history and CLS=closure in XX/XX/XXXX as a result. I had not been utilizing education services with XXXX as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: CarMax, Inc.
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
On XX/XX/2020, I entered into a financial agreement with CarMax, which included an interest component. However, I have recently come across information that suggests that I am in-fact entitled to a refund of unearned interest pursuant to USC 1615 , in the amount of {$18000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I had to go out of work due to personal illness. The vehicle was sold at the auction and I told the finance company I could not afford to make payments and on a vehicle I no longer possess.During the time I had the vehicle it kept needing major repairs and the finance company would disable my vehicle and still expect payments. They have put the loan up for legal review and it was just sold at the auction in  XXXX .I tried to do a settlement for the truck last year and they refused to accept it.

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 2023-08-20
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
COMPLAIN It was XXXX of XX/XX/XXXX I tried making a withdrawal and was referred to the fraud department so I couldn't make the withdrawal that very cos the told my account was hold so after that day on the XXXX XX/XX/XXXX I received an email stating that my account with Citibank has been closed and the remaining balance of {$35000.00} will be mailed to my address in 30/60 days time so I waited for 32 days still didn't hear a word from Citibank so I called the executive of the Citibank after the conversation with them on the XXXX of XX/XX/XXXX I received an email telling me I should wait for 15 calendar to get the issues resolved I waited for the 15 calendar days and on the completion of the 15 calendar days which was on XXXX XX/XX/XXXX got a email from Citibank executive asking me to wait for 30/60 days to get the issues resolved so I had to send them an email on the XXXX XX/XX/XXXX letting them I'm 51 DAYS gone from the first 30/60 I was told earlier to wait on, now asking them if I had to wait for another 30/60 days again to get before I they can get the issues resolved and mail me a check of my remaining balance of $ XXXX that is my before the closed it and on the XXXX XX/XX/XXXX I received an email from Citibank executive demanding I should wait for another 30/60 days before they could reply to the question I asked them via email on the XXXX ..... So I noticed they are just to buy more time just to keep my money with them cos they aren't giving me any positive response as regards to my questions.

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 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

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

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 2023-11-18
Company: Exeter Finance Corp.
State: IL
Product: Credit reporting 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:
I have multiple inquiries from car loans and one inquiry for a mortgage loan that I did not authorize. I submitted an FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Between XXXX XXXX XXXX   through XXXX XXXX XXXX, I fell victim to two multi-layered scam operations run by CoinXXXX which involved me making deposits for a total amount of XXXX USD from my Coinbase account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I am a natural person, am a living human being, have rights under 15 USC 1681. 

XXXX, TransUnion, XXXX are governed by 15 USC 1681. And they violated my rights numerous of times. demand the accounts listed below be remove because According to 15 USC 1681 : have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

BANKRUPTCY

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 2023-11-18
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I pay Wells Fargo {$45.00} a month on my XXXX XXXX account. As soon as I pay {$45.00}, they then charge my account {$45.00} so it looks as if I have not paid anything then charge interest on top of that.

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 2023-08-20
Company: Maximus Education, LLC dba Aidvantage
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: Their investigation did not fix an error on your report

Complaint:
I am disputing XXXX XXXXXXXX XXXX on my credit report by aidadvantage. I submitted documents showing that these loans are dismissed due to a lawsuit and Needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: FIRST CITIZENS BANCSHARES, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There is an account reporting but I have never had an account with first citizen bank and trust. 

They bought out a bank that shut down in XXXX, WI. 

I had an account with the original bank and first citizens returned my money because they didnt offer the same product the original bank offered. ( I have the check to prove they paid me back ) I never held an account with first citizens bank & trust so how can I have multiple late payments? 

Please delete this entire account from my consumer file. I want to exercise my right under 15 U.S. Code 1681b - Permissible purposes of consumer reports and 15 U.S. Code 1681a ( 2 ) under the exclusion section. 

I have been violated according to 15 U.S. Code 1692g section a & b. 

If this account is not removed from both my XXXX and XXXX reports within 30 day of receipt of this complaint I will sue. 

I have disputed this so many times and nothing happens this is my late time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting 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:
I have a credit line with XXXX and I sometimes use this credit line for emergencies. On XX/XX/XXXX I received several notifications of fraudulent purchases being made on my XXXX  credit account and I immediately launched an investigation with the company. It seems that these purchases caused a hard inquiry on my credit which I did not authorize. The purchases are still being investigated by XXXX, but this is now affecting my credit score, which I have fought hard to keep clean.

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 2023-02-07
Company: JPMORGAN CHASE & CO.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
JP Morgan Chase sent me a XXXX form reporting Other Income of {$800.00}. When I called to inquire for an itemized summary or year-end summary of how this {$800.00} was derived and what from, I was continuously transferred ( 7 times ) to multiple departments where no one could give me an answer ( XX/XX/XXXX ). I am ASSUMING this might be from points that were transferred to XXXX XXXX for hotel redemptions but no one can confirm or deny this. If a large bank is issuing Federal tax documents and reporting to the government, the bank must be REQUIRED to also provide an itemization of the said value of which they are reporting and claiming to have given. A quick summation of during XXXX you redeemed XXXX points valued at $ XXXX $ XXXX which is what is being reported on the Form 1099-MISC would satisfy all questions XXXX For the consumer to just take Chases word for the income they are reporting with XXXX documentation of what was received in exchange is ludicrous. I want to know specifically what I received ( specific # of points valued at what amount ) that prompted a reporting of {$800.00}. This needs to be fixed for ALL customers who receive this form from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: Santander Consumer USA Holdings Inc.
State: CA
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:
I noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to XXXX and Santander Consumer to have the inquiry removed from my XXXX account. Have not received a response. I am requesting these inquiries be removed. Reported on XXXX/XXXX/2021, XXXX/XXXX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: DISCOVER BANK
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Discover currently has a debt listed on my credit bureaus in the amount of {$1900.00}. This debt does not belong to me and is a result of identity theft. I have contacted creditor regarding fraud collections ; however, I have not received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18
Company: CITIBANK, N.A.
State: NJ
Product: Credit reporting 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Inquiries were not authorized

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 2022-09-29
Company: Experian Information Solutions Inc.
State: CA
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:
I am a natural person, am a living human being, have rights under 15 USC 1681. 

XXXX, XXXX, experian are governed by 15 USC 1681. And they violated my rights numerous of times. demand the accounts listed below be remove because According to 15 USC 1681 : have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

BANKRUPTCY

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 2023-01-09
Company: CL Holdings LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter asking the company to verify the debt and they never did so. They also proceeded to put said debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Equifax is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records. There are 2 accounts reporting to Equifax which are fraudulent & I'D like them removed from my report. They claim they verified the accounts with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
After returning vehicle. Ally Financial says I am responsible for wear & tear, excessive mileage and acquisition fees due for a total owing {$3000.00}. For the past 3months, I keep reminding them I purchased SMART LEASE PROTECTION ( {$1000.00} ) & MVP TIRE/WHEEL PROTECTION ( {$550.00} ) and the balance due is incorrect. The last rep XXXX XXXX said she would investigate but now is never available. Today XXXX XXXX told me contact the dealership and make them send balance due.

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 2023-11-18
Company: Radius Global Solutions LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I rented a vehicle from XXXX XXXX XXXX  They are accusing me of causing {$750.00} worth of alleged damage to a rented vehicle. Any and all scratches, or other damage to the rented vehicle was already present at the time that they rented the vehicle to me. I do not know what the dates are because they will not respond to any of my requests for information. I have been requesting this information for more than a year. As a member of their rental program, I rented from them often in various states. All of the vehicles that I rented were covered by my insurance company, XXXX, so there is no reason for me to damage a vehicle and not file a claim, if I did any damage, which I did not. 

I have also requested from the Radius Collection agency the same information and they said they have requested the information from XXXX, who has not provided the proof as requested.

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 2023-11-18
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. 
BRIDGECREST CREDIT C XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
See attatched XX/XX/XXXX XXXX TRANSACTIONS. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. see attatched XX/XX/XXXX XXXX TRANSACTIONS ALL XX/XX/XXXX DUPLICATE XXXX CHARGES OF XXXX XXXX. WHO USED MY DATA FROM XXXX TO CHARGE MY ACCOUNT XXXX? Why DOES USAA REFUSE TO ADMIT DUPLICATE CHARGES? Why HASN'T USAA PROVIDED CREDITS FOR DUPLICATE XXXX CHARGES OF XX/XX/XXXX AND XX/XX/XXXX?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I have transferred XXXX EUR through a XXXX XXXX transfer to Coinbase on XXXX XXXX XXXX. The full amount was received by Coinbase on the XXXX XXXX. This is visible on the Coinbase dashboard. However the funds show the status " pending '' since then and have not been credited to my Coinbase EUR wallet account. I contacted customer support multiple times and raised support cases on their  website, but never got a response from them. 

The transaction ID stuck in " pending '' state is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Incomm Holdings Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have tried to purchase LED lights on XXXX and used my Vanilla Gift Card through XXXX. The charges were declined. However, Vanilla Card put a hold on {$41.00} and will not release it. After spending 40 minutes on the phone the only answer I was getting, I need to wait 8 days. This is not a refund but a declined transaction. Why are they holding my money for so long? At this point, I hope to get it back but after reading many complaints from other customers, I wouldn't be surprised if they come up with more excuses. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit reporting 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:
These hard inquiries do not match any current accounts that I currently have. 
Below is all of the companies that placed hard inquiries on my credit report along with the inquiry date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief