BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-13
Company: DISCOVER BANK
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Account Name XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$1000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation. 

Proof of Method of Verification Requests were ignored by the company since XX/XX/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 non-monetary relief
Consumer complaint received 2020-12-17
Company: Yamaha Motor Finance Corporation USA
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: Investigation took more than 30 days

Complaint:
Back in XXXX of 2020 I contacted Yamaha Motor Finance Corp USA to inquire if they could extend me any payment deferrals on my account due to the COVID-19 impact on my employment. The customer Service Rep. verbally granted me a XXXX day extension. 
A few months later I discovered that Yamaha had been reporting me late to all 3 credit Bureaus. At that point I contacted Yamaha again asking what was going on. They replied that the customer service rep failed to inform me that I needed to sign and submit a XXXX XXXX XXXX XXXX, which by the way I never received in the mail, for the XXXX day extension to be valid. They said if I signed one at that time they would be able to apply it towards the missed payments and remove the late status from the credit Bureaus. I signed and forwarded the form to them and after that I have spoken to several Yamaha Customer Service Managers which are extremely difficult to get in touch with as they refuse to provide a direct phone Line, email address or direct contact to the credit department. Bottom line I have exhausted all efforts to get them to correct their mistake that impacts my credit score and even though I continue to pay my Bill every month they keep moving that modification forward instead of applying it back to XX/XX/. Beware of that company. It is also interesting that they have a Loan Servicing company that apparently are the only people the consumer can talk too and when it comes to the Credit Bureaus all three of them have a completely different address for Yamaha Motor Finance for contact and when you try them they send you back to the Servicer company so the run around never ends.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: JPMORGAN CHASE & CO.
State: AZ
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:
I fully paid the balance including the total interest fees of my Chase credit card in XX/XX/2018. There is XXXX balance. Now, JPMorgan Chase bank is charging me an extra interest fee ( hidden fee ) for XX/XX/2018 to XX/XX/2018. They did not warn me about the extra interest fee before paying off the balance and closing the account. I would like the U.S. Department of Treasury or another government agency ( that is in charge of monitoring U.S. banks nationwide ) to investigate JPMorgan Chase Bank 's practices and policy for their interest fees and other fees. Millions of Americans ( who are like me ) may have been charged with extra hidden interest rate fees. I hope you would investigate JPMorgan Chase bank in regards of their interest fees, especially hidden extra fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-17
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have been listed as an authorized user on an account. This account is not being reported on Experian or XXXX, only XXXX This account should be reported. 

XXXX XXXX  XXXX Card Account number : XXXX XX/XX/2014 ( 6 yrs, 6 mos ) CONTACT INFO : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX 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 2022-03-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
We had fraud that was not caused by our actions on a Citizens account ending in XXXX. We had to repeatedly request for the account to be frozen and closed. It has been over two months and the account is still not closed. We transferred all our funds to a new account ending in XXXX. This is a new account. We have no checks or any other way to get money from the account other than online bill pay/transfers. Unknown to us, the bank froze our account resulting in late fees and our mortgage to be two weeks late. We have FT jobs, young children, and care for my parents who have XXXX and are on XXXX All of our banking is on automatic payments. Citizen froze our accounts, we can not take the money, we can not close the account. Wait times regularly exceed 1 hour and we are at times dropped from the customer service line with no explanation. We have no way to access our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: EQUIFAX, INC.
State: SC
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  XXXX Balance : {$110000.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received three letters from ERC : 1 ) XX/XX/XXXX 2 ) XX/XX/XXXX 3 ) XX/XX/XXXX All the statements claim that I had an XXXX XXXX XXXX XXXX Account and owe {$150.00}. I have never had an XXXX XXXX XXXX XXXX Account. I and my sister have spoken to them several times on the phone and they failed to provide me with proof of debt / unpaid statements. 

The address they are claiming that I had XXXX XXXX XXXX XXXX  account had an active XXXX  account under someone else 's name ( my sister 's name ). The bills were sent to them. I also provided them with a letter from USPS confirming that the mailbox had reported thefts on it. Last time I spoke to them they assured me that this will be cleared off my account in 8 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Consumer Financial Services Solutions, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
XX/XX/22 I signed with Beyond Finance to help me resolve my debt and improve my credit scores. They told me to stop paying on all accounts which immediately caused a barrage of collection calls. They indicated they would negotiate my debts and reach a settlement on them. I turned over 11 accounts to them to resolve.

Over a period of a year, they only resolved one account for half of the balance but then charged me a fee nearly equal to the balance. Then they started on a second account and charged me excessive fees for that account which is not settled. 
Over the year I took back most of my accounts and got them back up to date as they were not doing what they led me to believe they would do. 
When I canceled with them, I had XXXX cents in escrow that they are refusing to return to me. They say it is to pay for fees toward the second settlement however that settlement never fully went through. They are trying to charge {$6000.00} in fees for that account. 
They misled me and tricked me into exorbitant fees and saved me nothing. They have also contributed to ruining my credit by telling me to stop paying on all of these accounts. Now I am in worse shape than when I signed with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX ( Vin # XXXX ) for {$16000.00} and was financed through XXXX XXXX. On XX/XX/XXXX, the car was vandalized and on XX/XX/XXXX, it was taken in to possession by XXXX car insurance. They totaled the car due to the damages done to the car. At the time of XXXX taking possession of the car, the amount owed was {$13000.00} and XXXX paid {$12000.00}. My GAP insurance that is through XXXX XXXX XXXX XXXX was contacted ( Claim # XXXX ) and an amount of {$440.00} was credited back to car dealer and they paid the remaining balance of {$570.00} on XX/XX/XXXX. XXXX XXXX keeps reporting that I still owe a balance of {$4000.00} because they have reported to the credit bureaus that I still owed the original amount of {$16000.00} and the payment that was received from XXXX of {$12000.00} just reduced the payment and {$4300.00} is still remaining. The car was paid off by XXXX and XXXX XXXX XXXX XXXX by XX/XX/XXXX. XXXX XXXX is still reporting on my credit that my car payment has been late since XXXX and it was charged off for non payment in XX/XX/XXXX. I would like for the late payments and the charge-off to be removed from my credit. I can't get another car because of the misreporting to the credit bureaus

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 2023-06-10
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Bread Financial Holdings, 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: Account information incorrect

Complaint:
I have never experienced in my life as impossible an agency to work with as Comenity. My autopay billing never worked, I was taken off electric contact without consent, which resulted in my account reported 120 days late. I found out when refinancing for my home and this was never reported late by Comenity in form of an email, phone call, etc. I finally got a hold of a human being by the name of " Ms XXXX '' who worked a payment arrangement so that balance could be paid in full, account would be closed and no fitber charges or fees would be added. In the amount of XXXX, I made 3 payments and paid off the account, which was also closed. There has not only been no update from this individual after trying to contact her at every avail, but I somehow have a balance of {$45.00} which includes a late payment? From a closed account??? Speaking to an actual human being seems impossible, or at least one that can offer technical support. They make no offer to help but are happy to collect any bill due. They hang up on you if you ask to speak to anyone else to find out more info. I made a complaint to the XX/XX/XXXX, which closed the complaint after Comenity would each out within 30 days. They have not. They happily flagged me for being 30 days late though. I am at the end of my rope. Because it is impossible to confirm what is going on behind the scenes, I am left no choice but to raise issue with every 3rd party aganecy in hopes to make contact and repair the damage done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that DON'T belong to me. I've called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. 

I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2023-05-17
Company: CITIBANK, N.A.
State: PA
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:
Citibank has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. Congress makes it clear that any contract or conspiracy that causes a restraint of trade and commerce is illegal. I was not provided adequate notice and I received no benefit for this transaction which constitutes unauthorized use of a credit card. The provision of the CFPB that prohibit unfair, deceptive, and abusive acts and practices in connection with the offering or provision of consumer financial products or services. 

Citibank be is in breach of their fiduciary duty and has been unjustly enriched due to undue influence. Every payment made to this account was a result of threat duress and coercion. This fraudulently furnished negative information violates TILA, FCRA, GLBA, CFPB, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. 

I hereby disaffirm any alleged agreement or contract, whether implied or explicit, between I, the consumer and Citibank This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness.As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. 

Until the requested documentation is received, this request for documentation shall be treated as a billing error and an erroneously billed amount under section 1666 of title 15. Citibank as the creditor, may not collect any disputed amount. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Any adverse action will constitute duress.

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 2020-12-16
Company: Experian Information Solutions 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:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts in Identity Theft. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 
Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 
If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

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 2020-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2022-03-25
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Coinbase , Inc . 

In a response to my prior CFPB complaint # XXXX, you stated, " In relation to your specific question about why cryptocurrency sends were not delayed 48 hours after a password reset was initiated from an unknown device, this was not a feature offered by Coinbase at the time of the alleged unauthorized activity on your account. During the time in question, a password reset was delayed by 24 hours on your account, once the 24 hours had elapsed, the alleged unauthorized third party was able to proceed with the password reset using your compromised email address. '' This is false. Below is the timeline of the actions and theft of my funds : Unauthorized Coinbase Password Reset Time : Same Minute at XXXX The correct information of Coinbase password request and password completion is as follows : IP address XXXX password REQUEST on XX/XX/2021 XXXX IP address XXXX password COMPLETE on XX/XX/2021 XXXX This password completion was performed and successful with the SAME MINUTE and not the 24 hour time elapsed, you claim. 

Verified Second Factor Time : Same Minute @ XXXX ( See document attachment ) New device Completed. 
Confirmation completed Time : Same minute @ XXXX Unauthorized Transfer of BTC Time : XXXX ( XXXX minutes after Coinbase password reset ) Unauthorized Transfer of ETH Time : XXXX ( XXXX minutes after Coinbase password reset ) Attached on this complaint are the screenshots on your network involving my account. 
Includes the timestamps of Requested Password reset, Password Reset completion, Verified second factor, New device Completion. 

Also, the 48 hour security hold time of funds-sends was and is a feature.

Next, I immediately took precautions and froze my account. I received a confirmation email from Coinbase On XX/XX/2021 at XXXX pm and another on XX/XX/2021 XXXX that shows I FROZE MY Coinbase account. The 2 screenshots are provided on this complaint and are attached.

Time : Confirmation is less than 10 hours of password change. My action is less than confirmation email.

YOUR SECURITY FEATURE of 24 hour password delay that you claim had elapsed on my account is incorrect.

IF YOU ENFORCED YOUR SECURITY FEATURES you promote, publish, I would have my funds.

What you are doing, and what you've done is classic fraud.

At this point you are fabricating the timing and events that took place on my account to attempt to have no responsibility and blame it on a phone carrier.

I continue to submit all facts on this case, including this deception to the Attorney Generals Office of California, as well as the FTC.

Company response to consumer: Closed with explanation