BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-20
Company: DISCOVER BANK
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX NY Amount {$1000.00} Dispute # XXXX I ordered a XXXX from XXXX XXXX, never received except open package. They provided discover with signed fed but it was not validXXXX XXXX XXXX never filed claim since they had no insurance. Discover refused to assist since they said merchant provided fraudulent signature. XXXX XXXX refused to assist and discover refused to assist too.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-22
Company: EQUIFAX, INC.
State: MI
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:
Equifax credit leak, I submitted a form on their website and they said " My information may have been effected. '' Could I get a direct answer? Some people get " Your information has not been effected. '' So is " may '' the new " Your information has been effected we just wo n't tell you that and ca n't tell you what information has been compromised ''? This is n't a reasonable response for customers and does n't provide an assurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: CCS Financial Services, 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: Old information reappears or never goes away

Complaint:
Credit Control is a debt collection agency which appears to have purchased a debt ( with my name on it ) where the last date of activity on the original account has been more than 7 years ago. There has been no verbal activity, like a payment arrangement or acknowledgment of the original debt, They are now illegally reporting negative information to credit reporting agency ( e.g., XXXX, XXXX XXXX, XXXX, or XXXX ),

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
i opened an account with citi bank online on XX/XX/XXXX and was told the account had to be funded immediately. So i funded the account and it was my last. i tried to XXXX the money to another account of mine but was told i need to have a debit card. how would i have a debit card if i just opened the account same day? so i called to see how i can get the funds out or verify another way. that policy simply makes no sense because if someone just opened an account online how would they have a bank card? i tried to XXXX it a few times and i tried to transfer the funds through wire transfer. now my account is locked and and under review but that makes no sense? why let me open an account with my information and find the account THEN say its under review? anyone couldve used my information and opened this account. i was told a letter will be sent me to in the mail but that is my LAST of my money. i asked numerous times if they may expedite the letter or the card but i wasnt give either option the reps actually hanged up the phone in my face. i am going to close this account and get a class action lawsuit started. i no longer care to bank with citi bank and the money they will be paying out after i am done with them will be bigger than the chump change they think they can keep stealing from people. they have many complaints of them doing the same thing to people.

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 2022-08-15
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
They refused to take a cashiers check payment from my bank, drawn from my account and with my name on it, unless I gave them my Social Security number and signed a formal credit application I presented my valid California drivers license as proof of my identity, and it matched the name as payor on the cashiers check. 

Why would I need to fill out a credit application if I was not seeking credit? And why would I have to provide a Social Security number if theyre not running credit? Its not as if the Department of Motor Vehicles has my Social Security number and they have to verify it In order to accept my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I tried to pay my membership fee, {$25.00}, for my business to XXXX XXXX XXXX XXXX, addressed XXXX XXXX XXXX, XXXX, NJ XXXX by using a store credit card of XXXXJ Maxx credit card, ending XXXX. However, I have not received any paid information from TJ Maxx ; even though I had the receipt of payment online. Therefore, I tried to check TJ Maxx online whether it received the payment ; however, due to the loss of my memory regarding the password, I could not open with my three email addresses. I tried to call the customer service without any result and their message system asked only about the purchase ; so, I did not send the message.

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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 looked into my credit report, I found that part of the data was inaccurate. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the itemsbe authenticated by the 3 credit bureaus. ( A ). Without providing verification within the legal time frame, it is unacceptable to treat the reporting itemsas unverified information. 
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 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 2023-07-01
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
This reporting company reporting over 67 variation of my address. I have called them few times and they put me on hold and then they hang up which super frustrating! All the addresses must be deleted since they are inaccurate I had already uploaded my DL to them with my accurate address! Company must delete all veriation of my address there should only one accurate address which is on my California drivers license

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: Coinbase, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Coinbase was supposed to deposit XXXX XXXX to my account in 2014 but never completed the transaction. The transaction still shows in my account as pending. I have attempted to work with their support team for the last 90 days and have not received an update in the last 45 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
This is a direct violation of so many U.S. codes and ethics. I was in covid forbearance with XXXX XXXX XXXX XXXX and was told there would be no negative reporting to my credit report. Well on XXXX XXXX they reported negative marks on my credit report which has in turned caused me and my credit a lot of damage. Right in the middle of a work out they violate my consumer rights this way. We have already decided to obtain counsel and file suit against XXXX XXXX XXXX because this has caused damage to my credit in such a negative way. This direct violation of 15 USC 1681a ( k ) ( 1 ).

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 2018-05-11
Company: Financial Credit Service, Inc.
State: TX
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:
XXXX XXXX XXXX ( XXXX ) collection agent called and failed to disclose that he was calling from a debt collection agency. Asked to confirm the last 4 of my social and DOB. I responded that I would not confirm over the phone. Agent proceeded to inform that a judgement had been filed against me for a debt that was out of statue 10 years ago and if I would like to settle today. I responded that I will not respond over the phone and will respond via certified mail. He informed me that correspondence had already been sent, that I would be served in a lawsuit, and that I knew that I owed the debt and was beating around the bush. Agent hung up the phone before I could respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
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: Information belongs to someone else

Complaint:
Please Help! The credit reporting agencies allowed a reinsertion of XXXX XXXX after it being deleted due to failing to validate that this debt belongs to me. As stated before I never authorize this account. The credit reporting agencies failed to properly notify me prior too furnishing this account that is reporting as a charge-off. I have attached a copy of debt validation Exhibit A. Exhibit B a letter from XXXX  XXXX stating that the account in question was taken over the phone or the internet. Exhibit C and FTC report, Exhibit D a letter from XXXX  XXXX stating that they are closing the account. Exhibit E is a letter from XXXX XXXX stating that they will be forwarding my fraudulent application to their fraud department which they never did. Exhibit F is a cease and desist letter to XXXX XXXX which they continue to violate.

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 2022-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
SO! I was approved instantly for the Capital One Venture X Card with a sign up bonus etc a short while ago. I got the card sent to me in the mail, and immediately had my account restricted. 
I spent time to call Capital One ( multiple times ), and they explained to me, that even though i was approved, ( AND ofc provided a social for them to run a check etc. in the card application ) and even though i received the card in the mail, they needed my last 3 BANK STATEMENTS to prove my income. 
So, with no choice, I spent the time to upload them, and had to wait 7-10 business days for an update. ( I was hoping to use the card in the meantime for travel benefits etc. ) ANYWAYS, after a full 10 days and no change, I called Capital One, only to find out that my account had been closed. That means a lot of wasted time till now. Roughly 10 hours total unfortunately. 
In any event, HERES THE KICKER!!! 
They are asking me to pay the XXXX $ card fee!!!! I have a statement that came in the mail today saying that I need to pay XXXX $ by the next billing cycle for a card I WAS NEVER ABLE TO USE! and XXXX $ due balance. 
SO, I called capital one, and predictably they said that since the account is closed, they cant see into it. 
I now need to speak to a manager from capital one who maybe can help me.. 

-Note- This was about a month ago. 
About 2 weeks ago, I got a bill in the mail for the XXXX $ annual cardholder fee. and that i need to start paying interest on that balance. 
This is crazy. They're charging me for a card I never was able to use.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-13
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes this erroneous information that needs to be investigated and delete : XXXX XXXX Date Opened : XX/XX/14 Balance : {$26000.00}

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 2022-05-22
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:
XXXX is reporting a fraudulent account and charges on my report cause a profound effect to my credit score thru no fault of my own. 

I'm including a FTC report along with a bank statement and my XXXX ID to provide my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-06-05
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:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 {$8400.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$13000.00} 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 non-monetary relief
Consumer complaint received 2023-10-28
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
My mortgage is processed by Loancare LLC. In XXXX, I requested my escrow requirement be waived and allow me to be responsible for my property taxes. After submitting the required paperwork, my exemption was approved in XXXX and my escrow payments to date were refunded to me through XX/XX/XXXX. 
I called Loancare to ask if my XXXX auto-pay could be updated to take out the XXXX escrow amount. I was informed it was not possible but I could call back for a refund. It was presented as a simple process. 
I called them back after payment had been processed. Customer service told me they processed the refund. However, I did not receive the refund. I called back in XXXX. I was told that the refund department needed verification that I had paid them the funds. 
I informed them that it was Loancare that processed my auto-pay as they had done in prior months and that their own statement showed the excess funds. They told me that I needed to submit a bank statement showing that the funds had been deducted from my checking account. I asked how did that prove anything if they didnt believe that they already had my funds. I was told that that was their process and if I wanted a refund I would have to comply. 
I am concerned about identity theft, so I submitted a statement with my only the last four on my account number showing and the actual transaction. This was not acceptable. This had already taken up too much of my time and headspace, so I submitted the entire statement, They sent more communication denying the refund with excuses such as needing additional information or saying they misunderstood the request. The final straw has been when theyve responded saying that the request is after 60 days of payment processing and can not be refunded. They do not mention what will happen with the excess funds or that they originally refunded the escrow balance well after 60 days. 
It seems they are looking to ways to frustrate their customers.

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 2022-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX is reporting a fraudulent account and charges on my report cause a profound effect to my credit score thru no fault of my own. 

I'm including a FTC report along with a bank statement and my XXXX ID to provide my identity.

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 2023-05-20
Company: EQUIFAX, INC.
State: WI
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 submitted this complaint to update this suspicious information. 3 Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance Owed : {$470.00} ; XXXX XXXX  XXXX Balance Owed : {$2000.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$480.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with non-monetary relief