BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-12
Company: M&T BANK CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Everything started towards the last week of XX/XX/2019. I was stuck on a flood and my vehicle was totaled. My auto insurance company XXXX ran a title check and came to find out the bank in which we been paying the vehicle for 2 years didnt have the title it was under a different bank. A brand new vehicle we financed with M & T bank and the tittle was under XXXX XXXX. Long story short it has now been 2 months since XXXX has not manage to pay the loan since every time they call, I call they said its XXXX XXXX fault for sending them the tittle I have been calling this bank every week for the past 2 months to get this resolved. I have now tuck paying two loan because of their mistake. Every time I call I get a different answer. Im glad all the calls are recorded ... I have tried reaching out beyond the call center with no success.

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 2019-09-12
Company: Experian Information Solutions Inc.
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT. THOSE INQUIRIES WERE NOT AUTHURIZED BY ME, PLEASE CONDUCT A REINVESTIGATION AND HAVE THOSE INQUIRIES REMOVED.

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 2020-07-01
Company: BARCLAYS BANK DELAWARE
State: LA
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:
On XX/XX/XXXX I received a phone call stating that I owed for a credit card that I have never heard of named Juniper Bank, the company that says that they are going to sue me for an amount of {$1000.00}. I tried to search for the company named XXXX XXXX XXXX XXXX they called me through 3-4 different area codes and states. The names of the ladies that called and threatened me was XXXX XXXX and XXXX XXXX. They stated that the credit card that was owed for was from XXXX of XXXX and that if I didn't give them a credit card payment over the phone right then, that they were going to have my wages garnished.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Citibank offered a cash promotion on XX/XX/2018 if a Citi Priority Dividend checking account was opened with a minimum deposit of {$50000.00} and the money was to remain in the account for 3 months ( 90 days ). I opened XX/XX/2018, funded the account with {$50000.00} and left it for four months. I called and was told I would receive the $ 300.00+ in XX/XX/XXXX. I called again and was told I would receive it by XX/XX/XXXX. I have recently received a letter which states I did not qualify. This is absolutely not true.

I took advantage of their online off and this money sat with Citibank for over 4 months earning no interest. I moved my money to another institution and they converted my account to a no fee checking account.

The letter I am attaching is not the offer I accepted.

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 2019-09-12
Company: Coinbase, Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Coinbase locked me out of my account and after over 100 attempts to contact them via telephone and multiple online support efforts, my cryptocurrency wallet is inaccessible and I have exhausted all efforts to resolve this issue. I'm willing to provide a passport, bank account information, a driver 's license, or travel to their XXXX  headquarters to resolve this matter! Many of thousands of my dollars were placed in the hands of Coinbase, supposedly the most secure and safe wallet in the industry. I feel violated and I'm devastated! This is THEFT!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
On XX/XX/2020 I received an email from Capital One that they were cutting my credit limit in half due to non-usage. I have used the card responsibly since I have had it, paid on time, etc. I called to ask for this to be reversed since such a move will have an adverse effect on my credit score but they refused to change policy. We are in a global pandemic where people are most vulnerable this is not the time to play games with peoples credit and ability to interact with the economy!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Toyota Motor Credit Corporation has had a delinquency indicator on my report since XX/XX/2014. I have a XXXX balance. What happened was I paid my vehicle off earlier. I called in for the pay off amount. I made the payment they provided to me. A month later they send me a payment but I naturally thought it was paid off. Come to find out later, they were sending me a bill for finance charges still unpaid for the last month of my loan. I tried to dispute the late charges and they refused. I was late due to the dispute that is why it went 90 days. They were unwilling to work with me on this issue. Five years later it is still on my credit report. I wrote letters to them including Toyota CEO.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
To Whom It May Concern, This letter is regarding an inaccuracy in my credit reporting. 
Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ( XXXX XXXX on XX/XX/XXXX ) 2. ( XXXX on XX/XX/XXXX ) 3. ( XXXX on XX/XX/XXXX, XX/XX/XXXX ) 4. XXXX on XX/XX/XXXX, XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c )  and a serious breach of my privacy rights. 
I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

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 2019-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-09-12
Company: ALLY FINANCIAL INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I paid off my lease early and made an overpayment. They will not refund the extra money and said they will put it as a down payment on my next lease. I paid of off 7 months early and asked them to refund the money, they wont. When I call customer service I get Foreign people that you cant understand and refuse to refund the money back. This company is horrible and should not be in business,

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 2019-09-12
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
EQUIFAX froze, blocked and/or locked my account without any reason. I never requested this. They refused to rectify that issue. 
They also completely blocked my credit score. 
I could not view any EQUIFAX reports or scores online. 
They blocked my credit score from XXXX XXXX XXXX where I was applying to refinance my mortgage, causing me to lose the rate promised on XXXX. 
I spent three hours a day for three days on the telephone with EQUIFAX attempting to fix my credit report and credit score. It is still not fixed. I can not see my credit score, XXXX XXXX XXXX can not see my credit score, which has prevented me from going forward with my home refinancing. Which is costing me a lot of money. They lie on the phone and say its fixed, but it is NOT. They disconnect calls, everytime I call them, because they do not want to help me. All other credit reporting agencies have complied and given XXXX XXXX XXXX my information. EQUIFAX is refusing with no reason or cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2019-09-12
Company: EQUIFAX, INC.
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT. THOSE INQUIRIES WERE NOT AUTHURIZED BY ME, PLEASE CONDUCT A REINVESTIGATION AND HAVE THOSE INQUIRIES REMOVED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT. THOSE INQUIRIES WERE NOT AUTHURIZED BY ME, PLEASE CONDUCT A REINVESTIGATION AND HAVE THOSE INQUIRIES REMOVED.

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 2019-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited {$8000.00} from my XXXX savings account as they were charging me monthly fees, so canceling that account and deposited the amount directly to my Capital One 360 Money Market account, see transaction below. 

XX/XX/XXXX Preauthorized Deposit from checking account XXXX Transfer {$8000.00} {$41000.00} Capital One is refusing to remove the hold and show the true amount in the account. Either do it, or I will cancel and pully everything from this bank, like I did XXXX and XXXX and bank elsewhere. 

I will not stand for the bank holding on to my money when it was a bank to bank transfer and not a check to hold on too!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 was a victim of identity fraud. Some applied for a personal loan using my social security number with the company XXXX XXXX XXXX XXXX. The loan was declared fraud but an inquiry was still put on my TransUnion credit report. I was sent a deletion letter by XXXX that I sent to TransUnion along with a letter that I wrote asking them to remove the inquiry because it was fraud. The inquiry has not been removed from my TransUnion credit report yet.

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 2016-12-13
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have requested information/validation on this debt bearing my signature and have not received anything stating that I owe this money and by law if the consumer ask for validation they must also show proof of signature. XXXX XXXX have repeatly responded stating that they have investigated and verified the validity of my debt and do n't even allow me to dispute their claim. I have never done business with XXXX XXXX, never signed a contract, nor do I owe them any money.

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 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
On XX/XX/2020 I sent copy of my Federal Trade Commission # XXXX identity theft report to Transunion, XXXX, and XXXX  via mail explaining that I've recently have become a victim of identity theft and that several accounts including XXXX  XXXX, XXXX, Ar child support, XXXX XXXX XXXX XXXX, and XXXX XXXX were opened and or established without my knowledge or consent. Since my dispute today marks day 38 days total and I've yet to have heard or received any correspondence from Transunion, XXXX, or XXXX. I checked my credit report this morning and these same accounts still remain reporting on my credit report. I still have several addresses that are currently displaying that were requested to be removed during the same time my initial dispute was sent to Transunion, XXXX, and XXXX. Since it has bee over 30 days and I've yet to receive any nor accurate verification period, Per the Fair Credit Reporting Act ; Transunion, XXXX, and XXXX  must delete all of the fraudulent accounts from my credit file and send me an updated copy after the deletions have been made. I exercising my rights per section 605b, 609, and 611. I will include a copy of my report with this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: NCC Business Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ncc is a collection agency for XXXX XXXX  apartments. They attempted to collect a balance for damages their apt manager marked off on original walk threw as not my responsibility because they were cause prior to me obtaining unit and they had no time to repair before i move in. When bill was received i XX/XX/XXXX i attempted to contact ncc to dispute i was treated horribly rep was boligerant. I then filed complaint and dispute of bill with ftc which resolved in my favor billing was dropped and i received closure from company confirming this after dispute was completed with ftc. Another year later XX/XX/XXXX they added it to credit report regaurdless of proof and dispute resolution and the letter they send agreeing the bill was fraud. Now i dispute with XXXX and XXXX  whom both agree to delete and remove. I find this fraud business practice and i think something should be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: Continental Services Group, Inc. d/b/a ConServe
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received Federal student loan from the University XXXX XXXX XXXX XXXX for the Fall of XX/XX/XXXX.  I had some issues that affected my ability to successfully complete the classes as I normally would. As such, I contacted the financial aid department to inquire about the financial consequences before making a decision regarding dropping the class. The representative informed me that I would not need to return funds if I was not receiving Pell Grant. I asked the same question four times and received the same answer each time. As such, I proceeded to drop the classes. On XX/XX/XXXX, I received an e-mail from the university stating that I needed to return funds. I contacted the university and spoke with the head of the financial aid department. After explaining the situation she instructed me to file a formal grievance. I filed the grievance, and during the grievance process the university proceeded to send my account to the aforementioned collections agency. After receiving correspondence from this agency, I contacted them by phone and sent letters via certified mail and first class mail. I explained the situation that caused my account to have a balance.On XX/XX/XXXX, I received a letter from said agency stating that it didn't have sufficient time to investigate my account. On XX/XX/XXXX, I received another letter stating that the account is accurate. I contacted the agency via phone and was told by a " supervisor " that the amount in dispute was from XX/XX/XXXX.  I tried to tell him that the amount in dispute was not added to my account in XX/XX/XXXX, that I was notified of the charges on XX/XX/XXXX. I also informed him that I didn't drop the last class until XX/XX/XXXX, so it was impossible to have incurred these charges in XX/XX/XXXX. However, he concluded that the charges were added in XX/XX/XXXX, and that is false. 

P.S. The agency also tried to argue that the grievance process does not prevent collection of the funds. My question is, why would the financial aid department instruct me to file a grievance to resolve the issue knowing that it would not resolve the issue, and would only delay a resolution? This account should not be a collections agency account, because we could have worked something out before my account got to collections. To conclude, this is an unfair debt collection, and is a violation of the Fair Debt Collections Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
The FCRA recently passed a law stating that a person or business must have permissible purpose to initiate an inquiry. Section 604 I have contacted the credit bureau recently and they have not sent me any information showing that I have any of the companies permission to pull my credit. I have asked them to send me documentation or a Copy of an agreement or even my ID showing I have the company permission or that they had permissible cause, and they have failed to do so. I also informed them that an fraudulent address in MD has been used to try and obtain credit in my name. Ive never been to or lived in MD. I havent even visited. 

Accounts : XXXX XXXX  XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX XXXX/ XXXX. 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 explanation