BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-16
Company: ADIR INTERNATIONAL LLC
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have been asking for 3 months that they inform me about the interest that is associated with my card because I believe that they exceed the limit in California, they have never responded to me and I also feel that they have retaliated against me because I had a higher credit limit and they They have reduced it, directly affecting my credit score, it is too much of a coincidence that my credit limit is reduced just when I start my application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-21
Company: EOS Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Company called EOS CCA XXXX XXXX XXXX XXXX, MA attempting to collect debt that is not mine. They reported to XXXX  and dispute was denied by XXXX. I have never lived near the address recorded for service for the XXXX XXXX account. I have an excellent credit history. Common sense would prove that this debt is not mine. 
Turned over to collection on XX/XX/21 and I have never received one notice from XXXX XXXX  or XXXX  or this collection company. Was found on XXXX  credit check. They refuse to remove my responsibility for this identity theft. It appears that EOC is simply attempting to force consumers to pay fraudulent bills to retain credit scores. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
See attachment.

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 2019-01-30
Company: Southwest Credit Systems, L.P.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Today XX/XX/XXXX XXXX XXXX XXXX reported to credit bureaus that I opened an account on XX/XX/XXXX. In reality this was an Old XXXX account that has been closed since XXXX. Today I contacted XXXX and spoke to XXXX. He checked this account XXXX and stated account has been fully closed since XXXX, no history nor amount nor any remarks on this account. Paid in full. I asked Southwest why are they reporting this XXXX old account as a new Collection but a reason was not given. This has damaged my good credit scores. Now I can not purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Dovenmuehle Mortgage, Inc.
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am trying to refinance my mortgage and the mortgage company will not provide a loan payoff statement. I have requested one 4 times. Each time it has been cancelled and nothing was provided. When I call I get placed on hold and nothing happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Experian Information Solutions Inc.
State: DE
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:
Recently I did an investigation on my consumer report and it caused severe XXXX upon me. According to the Fair Credit Reporting act EXPERIAN, XXXX and XXXX has violated my rights as a federally protected consumer. 
-15 USC 1681 ( a ) ( 4 ) : states that I have a right to privacy -15 USC 1681b ( 2 ) : states that a consumer reporting agency may not furnish an account without my written or oral instruction. 
-15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy Here are the errors as follows : XXXXXXXX XXXX XXXX XXXX OPEN DATE : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX OPEN DATE : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX OPEN DATE : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX OPEN DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX OPEN DATE XXXX XX/XX/XXXX XXXX. XXXX XXXX OPEN DATE : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX OPEN DATE : XX/XX/XXXX. XXXX XXXX XXXX XXXX OPEN DATE : XX/XX/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 2021-05-10
Company: CITIBANK, N.A.
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:
I already called several time and wrote a letter for Citibank about this issue but they still refuse to give me a credit. On XX/XX/2021, the merchant : XXXX XXXX XXXX in XXXX charge me for a service that I did not authorized. So, I went back to XXXX personally to clarify this matter and the merchant informed me that this was a mistake on their part. Unfortunately, they told me they don't issue credit there, and that to ask my bank for the credit and their bank at their end will take care of it as well. However, until now, Citibank has refused to issue me a credit of {$920.00}. I already fax my letter explaining what happened. Everytime I called citibank, I was told that it will be handled accordingly, but until now, I am still waiting for my credit of {$920.00}. 
I have been a loyal customer with Citybank for over 10 years, and I pay my bills in full on time. 
Please help me get resolution on this matter. 

Sincerely, 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 explanation
Consumer complaint received 2019-01-31
Company: VW Credit
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:
In XX/XX/XXXX I opened an account with VW Credit Inc on a XXXX XXXX XXXX  and in XX/XX/XXXXthe car was totaled in a hail storm. I purchased gap insurance through the XXXX dealership in case something like this happened. I filed my claim and the car was paid in full between the insurance company proceeds and the gap company ( XXXX ) payment. 

My account was statused as paid in full. Then on XX/XX/XXXX I received an alert from the 3 bureaus showing a new tradeline update on my credit report. I opened the notice and found that VW Credit Inc had updated my loan status from " Paid in Full '' to " Paid / Charge-Off ''. This statement basically shows as if I let my vehicle get repossessed and then I paid off the balance at a later date. This is completely false as I never made a late payment much less let the account charge-off. 

I contacted VW Credit Inc on XX/XX/XXXX and they stated they would correct the error and it would take about 30 days. On XX/XX/XXXX the account did update but nothing changed and still shows " Paid / Charge-Off ''. 

This erroneous data is having a negative impact on my credit score thus making the cost of new credit to increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
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 is missing that should be on the report

Complaint:
XXXX XXXX Credit Reporting Crime XXXX XXXX Credit Card Fraud Department Purposely reported incorrect and incriminating information to the three major credit bureaus to trash my credit score. 
After several months and more than thirty instances of hacking into everyone of my XXXX accounts my wife and I decided to leave XXXX for a new bank. This was after more than 25 years with XXXX XXXX of effortless and loyal banking. We had to get away from a situation that left us severely sleep deprived and uncontrollable XXXX in the case of my wife. The hackers used clever hacks to move money from one account to the next and then buy thing like crypto currency from my check account. XXXX fraud departments were structure according to the account types and simply could not deal with this situation. They would solve it by just replacing the lost funds. The internet banking app was easy to hack into and that is how most transactions occurred. 
The credit card fraud department were very bad and unable to stabilize the balance so that we could pay the outstanding balance to close the account. In a desperate effort to block out the hacker, they decided to close the account completely and create a completely new credit card account. They committed to sending the new credit cards overnight. That did happen as promised, a new card for me, one for my wife and one for one of the hackers XXXX XXXX were in the XXXX envelop. 
After trying various things to stabilize the account and determine what we were responsible for failed, we decided that we will just pay the full amount and close the account. That turned out to be more difficult than we expected. It took all morning to get an amount to pay and once we did, there was no senior banker to close the account. We went for lunch and came back when the snr banker was supposed to be there. He started the close, but could not because the balance was no longer XXXX. I told him everything we had been through and he laughed non-stop for a while, then said : I knew we were bad, but I never realized we were this bad! 
When by monthly CREDIT REPORT UPDATES came, I was shocked to see a drop of more than 120 points on all major bureaus. I called Experian immediately and they identified the cause as a report from XXXX XXXX Credit Card. It reported various late payments and stated that the account was closed because of delinquency!!!! 
My wife still suffers from XXXX XXXX and sleeplessness. I have suffered financially as a result of the damage they caused to my credit history.

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 2022-10-16
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: Account information incorrect

Complaint:
XXXX -Multiple FCRA Violations due to inaccurate information regarding account status, dates, payments and balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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:
Bank of America and XXXX have negatively affected my XXXX XXXX consumer report. XXXX XXXX is reporting an account closed by Bank of America which is fraud. XXXX is fraudulently reporting a bank of America to an account closed under my name on 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 2021-09-22
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a credit card in my name from Wells Fargo. My husband had just received a card from them. He applied online and the card arrived in less than a week. 

After following the exact process as my husband, I received a letter that stated that my card was denied because Wells Fargo could not identify me. This is because most of our assets are held jointly by my husband and myself. In order for me to get a card, I have to submit three pieces of ID : a government document with my photo, and at least three months of documentation from each of two accounts that have only my name on them. And, they will not accept email or USPS mail, only fax or delivery in person to a Wells Fargo branch. The nearest one is more than 50 miles away. 

I have contributed to Social Security since I was XXXX. I am now XXXX  and receive a Social Security check each month. I am a retired teacher and receive a pension from the State of New jersey. Our home is owned jointly by my husband and me, without a mortgage as are all other accounts. Our credit rating is over 800. I do have two accounts in my own name, but why is this necessary for me and not my husband? 

My complaint is that because I am a woman, I have to jump through hoops to get a credit card in my name ; my husband only had to apply. Why do I want this credit card? 
A friend who was recently widowed was shocked when all of the credit cards in joint name were stopped upon her husband 's death. 

Thank you for listening to my issues on behalf of all married women. 
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 explanation
Consumer complaint received 2021-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
1.Personal information via Transunion. I've called and stated that some information certainly does not belong to me and I want it removed. To no avail, the info is still present. From my end, I can see a birth date that is not mine.

2.I made a request for an address update. I see the address update however, it is the wrong address. I called about this issue this morning and was told that it was updated. I've explained that I do not reside in the state that is listed as my current address and its not my address.

3.I have tried to get my credit score number, only to be told that I have to pay for it. Is this accurate?

Transunion customer service reps are not very patient, credit report sites are filled with information and you can not just view something in a short amount of time.

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 2018-02-06
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 initially sent a sepa transfer to coinbase on XX/XX/XXXX which they had received no problem they contacted me 7 days later stating that their was an issue with the sender being a third party source which was not the case as it was my bank account sending to my coinable account. on XX/XX/XXXX i received a email stating the money will be sent back to the sending account until this day i have not been contacted by coinable to get this issue resolved. i have sent them everything they need in order to refund the money to my account yet nothing has been sent and no response has been given to a number of emails. the amount was XXXX GBP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: Security Credit Services, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on SECURITYCRED ( Original Creditor : 09 XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
Dear Portfolio Recovery Associates, I have requested you to provide competent evidence of my alleged ownership of disputed false account XXXX but you failed to provide any competent evidence of the alleged debt. Please investigate the alleged transactions on the alleged statements and other facts and delete as I have no knowledge of this false account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Global Lending Services LLC
State: CT
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The Global Lending Services. company is accusing me of owing them over {$8000.00} they are submitting nothing relating to facts. I have asked the CT state Senator and the CT XXXX to get involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: CCS Financial Services, Inc.
State: AZ
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:
Under 15 USC 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 2 ) In accordance with the written instructions PER the consumer to whom it relates. XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX  OF AZ XXXX XXXX, never gave XXXX, XXXX, or XXXX written consent FROM MYSELF to report anything on my consumer report, No Consent is IDENTITY THEFT. Concerning the account listed below as a consumer I Am demanding a deletion of all account as it relates, Immediately. I, XXXX the executor, have a legal right and security interest, under federal law ( 49 USC 14301, UCC 9-317,12 CFR 1026.23 ) to cancel this transaction, only collecting the proceeds not assets, without any penalty or obligation from the above date or any later date on which all material disclosures required under the truth in lending act have been given to you.When canceling this transaction any lien or other security interest on my property arising from this transaction is automatically void. I am also entitled to receive all proceeds of which this account is owed. In addition These accounts have not been validated and must be removed pursuant to FDCPA, FCRA and Federal laws.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
on XX/XX/2020 i was contacted by the individual who contacted me on XX/XX/2020 about an XXXX scam. this XX/XX/XXXXscam started with usaa federal savings. this individual almost got into my usaa accounts again through an XXXX and an XXXX phone at the same time. i have 4 other banks on this XXXX phone. he was only interested in my usaa accounts. after i got him shut down i went to a different contact for XXXX this contact verified that it was a scam. i got my account straight with XXXX and they advised me to contact FTC about what happened. i now have aqn account with the FTC. on  XX/XX/XXXX this scammer again was only interested in my usaa bank account. usaa is not investagating what is happening. they will not admit that i tried to stop this scam because they have chosen to support the scammer. they have admitted that they did not try to stop this scam untill 3 days after it happend. i have documentation on this. 3 days was to late. when i called the bank on XX/XX/2020 ti stop the scam and freeze my accounts they refused to do it. they supported the scammer i am a XXXX vet and very easily taken advantge off. and that is what this bank is doing. that XXXX should have been put back in my saving account but i belive it went into an employees account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: TD BANK US HOLDING COMPANY
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
TD bank closed my accounts in XXXX. I went to the local office asked the reason, the agent got a response for no reason, only according to company policy. On the same day, The agent checked out my account and paid off all the balance. 
After two months I got a letter from TD bank in XXXX, there is still a balance on my account, and created a fee charge. I went to the local office, i disclaimed the charge because the previous agent gave me incorrect information about my account. the manager assistant called the customer service, according to company policy, I was requested to pay the fee in advance, and then TD would send me a check with that amount as a refund. 
On XX/XX/XXXX, I got a letter fro TD bank, I would not get the check. I went to the local office and found out the manager assistant, she told me she cant do anything for me. In The whole issue, I dont do anything wrong, I was cheated by TD bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-27
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have contacted the companies and the credit bureaus on multiple times XX/XX/2022, XX/XX/2022, XX/XX/2022 for them to remove these accounts because they were paid in full but still being reported as charge offs on my credit reports. XXXX XXXX XXXX paid in full, XXXX also paid in full but still reporting as charge off.These inaccurate items that are reporting on my credit reports are having a negative effective on my mode of living, which is directly impacting my relationships with creditors cause i am trying to buy a home. I have reported these discrepencies to the Federal Trade Commission, XXXX and California Attorney General. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation