BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-05
Company: TD BANK US HOLDING COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Made over the phone payment on XX/XX/2018 in the amount of {$99.00}. Payment ID # XXXX. It shows on their end payment is still processing and failed to notify me about the issue. I contacted my bank and they are unable to locate the any issues. TDRCS/ XXXX XXXX FOR LESS acknowledges that there is a problem but is doing nothing to fix it. They lowered my credit limit due to the payment being late. My credit has now dropped XXXX points and TDRCS said their is nothing they can do about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-12
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
The online VIEW CHECK does not work. It has been broken for over a year on the citibank.com site. I have reported this problem on several occasions and Citibank has done nothing to fix it. Cancelled paper checks are no longer provided to customers. The only way to see a cancelled check is online and printing it from online banking.

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 2020-06-01
Company: EQUIFAX, 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:
CFPB DISPUTE RE : XXXX XXXX XXXX credit card XXXX Account history : The account was opened in XXXX This credit card account was a joint account between my father XXXX and my mother XXXX. 
I was added as an authorized user to their account when I was in college. 

Death certificates for both of my parents are attached below : -Father XXXX XXXX SS # XXXX Date of death XX/XX/XXXX -Mother XXXX XXXX SS XXXX XXXX Date of death XX/XX/XXXX My legal name is XXXX XXXX XXXX XXXX My SS # is XXXX. My identity documents are below. I helped care for my mom and we shared the same address at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 


Overview of issue I need help addressing : I contacted XXXX XXXX XXXX after my mothers death and was told that they wouldnt remove me from the account and process the account as a deceased account since both of my parents, the only liable parties, were now deceased. 

I felt forced to continue to make payments from my own account after my mom 's passing because I didnt want any late marks on my perfect credit. 

I have never signed a contract to be a liable party. I was always ONLY an authorized user.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
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: Information belongs to someone else

Complaint:
These hard inquiries are not me : 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 2023-01-24
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: Information belongs to someone else

Complaint:
I did not apply for this XXXX XXXX credit card from XXXX to XXXX. The account # is XXXX. Someone else did this which is this fraud and theft. This needs to be remove from my credit report immediately.

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 2023-07-06
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I been out of work due to XXXX and was not able to keep up with my car note I paid small amounts when I can and I just start back working but my car is in repo status I always called and notified them of my circumstances they where just not understanding my car was taking away 2 times when I was XXXX and I had to borrow money to get it out

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: EQUIFAX, INC.
State: SC
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:
Equifax On ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I Equifax you to investigate items that I believed were reporting not 100 percent accurate on my credit report. The following account was in dispute : 1. Collection Account : XXXX XXXX Account # XXXX According to the comment section of my credit report this account was charged off on XX/XX/XXXX. However, the payment section of this account is reporting this account was charged off on XX/XX/XXXX. There is no way this one account can be charged off on two different dates in two different years. Please verify you are reporting 100 % accurate information if not please delete this account from my credit report. In addition, the IRS defines a Charge off as a debt that is forgiven or discharged for less than the full amount you owe. According to the IRS website, charged off debt or a debt is canceled, the creditor may send you a Form 1099-C, Cancellation of Debt showing the amount of cancellation of debt and the date of cancellation. I have never received a Form 1099-C, Cancellation of Debt, or any other forms stating that this debt is charged off.

In addition, Equifax is still reporting addresses on my credit report that are undeliverable to me by the United States post office : Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX, SC

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I made an early payment of {$50.00} to be applied to my account over the phone with a representative for the XX/XX/XXXX. My payments are not due until the XXXX of every month. I got a confirmation number of XXXX. Recently I called to question my rewards and found out my payment was rejected!!! I asked why and the representative could not give me an answer! I said it can't be insufficient funds there is money in there! I said why did they give me a confirmation number and ALSO why was I not notified through an email? I spoke to XXXX and XXXX on the XXXX and I was told someone would get back to me and no one has! 
I then got fed up and called back again to find out what was going on. XXXX XXXX, another " supervisor '' has to be the rudest, most unprofessional customer service rep I have ever spoken to! She told me it is not their responsibility to let me know my payments are rejected. Well it surely is if I got a confirmation number and since it's not a problem with insufficient funds it's definitely THEIR ERROR which means it's even more of a reason for me to get notified!!! Her attitude is HORRIBLE and I let her know that she is not fit for her job. She did nothing but talk in circles and repeating that someone is investigating this and will get back to me and still no one has called me with an answer! I think this credit card company is shady and wants me to accrue late fees and their customer service is the WORST!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I noticed a significant drop in my credit score and because of the hack with XXXX I wanted to check on the issue. I tried to log into Experian numerous times and even though I reset my password, it 's still showing up as no account found. Like XXXX the site ask for you to enter your personal information including your social. The website just continues to loop around. Comments have been going around that hackers with personal information may try to freeze an account before the actual consumer have the chance to freeze it themselves. ( Please do n't say it 's not true, because we trusted the Credit agencies to keep out information secure and they failed also trying to get them to clear errors on a report is like pulling teeth XXXX Tried to log into the XXXX thru free annual credit report was kicked out. Tried to dispute errors for a {$710.00} amount on the Experian website from the breach they recently had, but I 'm constantly getting kicked out. It also list my spouse name is XXXX, I 'm not married. They need to stop hiding and start helping this is their mess. I 've already reached out to the Attorney General for the State of MA, my next move is to file legal action. Thank you

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 2018-09-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Previously, I filed a CFPB complaint XXXX against JP Morgan Chase for their illegal theft to my personal checking account. In response, JP Morgan Chase filed a letter of complete and blatant lies claiming that I had NSF 's due to my own fault. This filing by JP Morgan Chase provided to the CFPB was also sent to The XXXX XXXX XXXX. The XXXX XXXX XXXX doesn't represent me in my filed CFPB complaint ( see above ). The XXXX XXXX XXXX, was NEVER mentioned in my filed complaint with the CFPB as my legal representatives. Nor was JP Morgan NOTIFIED by me in any way that I was being represented by the XXXX XXXX XXXX in my filed CFPB complaint. Therefore, JP Morgan continues to violate my Civil Rights by releasing my private information to the XXXXXXXX XXXX XXXX. I can " only '' assume that it was JP Morgan Chase 's way of notifying me that they were aware of the XXXX XXXX XXXX  representing me in a separate matter that doesn't include my filed CFPB complaint. JP Morgan Chase continues to illegally practice DISCRIMINATION/HARASSMENT/RETALIATION against me and my personal Chase account ( which isn't a joint account ) by illegally changing my personal PIN number ( that was recently changed in XX/XX/2018 ) and by accumulating and holding my deposited funds. I totally disagree with the previous responses provided by JP Morgan Chase concerning my filed complaint ( listed above ) and their intentional violation of my privacy to the XXXX XXXX Firm. It is a fact, that JP Morgan Chase was intentionally causing NSF 's to my personal account by stealing monies from my account to pay a debt that belong to another person. That persons debt, doesn't and didn't involve me. Any and All supportive documentation will be FAXED to the CFPB for the specific use of the CFPB ( NOT, JP MORGAN CHASE ) OR  THE XXXX XXXX XXXX.THE END!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Phoenix Financial Services LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company started calling me in XXXX stating they received the account from another collection company. I stated to them I do not have an account with anyone because all my accounts were either paid off by myself, the employer or disputed. I checked my account and I do not have nothing on my account with XXXX, XXXX  and XXXX  at this current time. I do not know where this account is coming from. I ask them to send me a copy of the bill. I have contacted the insurance company and the hospital and they have nothing registered with my name and date during that time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
In continuation to complaint XXXX, that I filed on XXXX XX/XX/2023, I have recently received a letter from USAA stating that information is needed from my wife to unfreeze our account. It was dated XXXX XX/XX/2023! They did not freeze my wife 's card until XXXX XXXX and that is the day that I called to complain and get it unfrozen. I requested a reason for the freezing of her account as well as what would be needed to unfreeze it. They created a letter and falsely put that it was generated and sent on XXXX XX/XX/2023. 

Beyond the fact that they are being deceptive on the timing of their notification, USAA provided no details on what is required. From my initial conversation with the representative on XXXX XXXX, I was informed that they needed additional information to verify identity. Together with my wife ( virtually since she is in XXXX at our home with the kids while I'm in XXXX doing military duty ), we submitted my passport, her passport, my military orders, and her permanent residence card via the online document submissions tool and received confirmation that they were received. And further proof that they were deceptive in the date of the letter, the messages in our USAA account inbox of me sending the aforementioned documents and the confirmation from USAA came on XXXX XX/XX/2023 when I sent them and the supposed XXXX XXXX letter was the latest message ( see XXXX ). 

After 18 hours of sending all of our documents for verification, our debit cards still do not work.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: WELLS FARGO & COMPANY
State: MI
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 a victim of fraud and was notified about accounts being opened with my information. I contacted the companies to get the matter resolved and Wells Fargo is still saying that the bill is mine. I filed a police report for identity theft and sent the information to all the credit bureaus. I have been unsuccessful in speaking with Wells Fargo and all I would like for the account to be 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 2017-12-12
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hi, I 'm XXXX but i 'm a customer of a US-based company, so i contact you. 

I 'm a customer of Coinbase, a crypto-currencies wallet company. I sold BTCs the Saturday, XX/XX/XXXX off the blockchain ( direct trade between Coinbase and me ), the BTCs were instantly taken out from my BTC Wallet but Coinbase is tiding up my money since 3 days as they DID NOT added the amount to my EUR Wallet ( euros wallet ). The transaction is still pending while marked as " ARRIVES SATURDAY XX/XX/XXXX '' ( see screeenshots attached ). We 're the XX/XX/XXXX. As each transaction is, i think, not confirmed manually, it means Coinbase is retaining my money on purpose. This is a fraud. 
It is unacceptable for a US-based company and i 'm sure the authorities are doing their work fine. That 's why i 'm adding my complaint to, i think, plenty others. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. Please be aware that failure to comply with my request may result in legal action to protect my consumer rights and seek appropriate remedies as provided for under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
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:
CFPB DISPUTE RE : XXXX  XXXX XXXX credit card XXXX Account history : The account was opened in XXXX This credit card account was a joint account between my father XXXX and my mother XXXX. 
I was added as an authorized user to their account when I was in college. 

Death certificates for both of my parents are attached below : -Father XXXX XXXX SS # XXXX Date of death XX/XX/XXXX -Mother XXXX XXXX SS XXXX XXXX Date of death XX/XX/XXXX My legal name is XXXX XXXX XXXX XXXX My SS # is XXXX. My identity documents are below. I helped care for my mom and we shared the same address at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 


Overview of issue I need help addressing : I contacted XXXX  XXXX XXXX after my mothers death and was told that they wouldnt remove me from the account and process the account as a deceased account since both of my parents, the only liable parties, were now deceased. 

I felt forced to continue to make payments from my own account after my mom 's passing because I didnt want any late marks on my perfect credit. 

I have never signed a contract to be a liable party. I was always ONLY an authorized user.

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 2018-07-20
Company: Diversified Consultants, 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: Account information incorrect

Complaint:
1. XXXX said they sold the debt, making Diversified a debt purchaser. 
2. On my Credit reports it shows them as the current holder of the debt, meaning they are the debtor and not sprint. 
3. XXXX didnt sent billing statements to me because they entered or misspelled my home address. 
4. The debt collector didnt sent me the correct correspondents and they admit they had the incorrect address information. 

5. I legally have the right to request verification of this debt, noting was sent to me and my rights were violated!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-20
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018 I entered into a payment arrangement to settle an unverified debt. The agreement was for a specified automatic withdrawal amount which was deducted every month since the agreement which included the cease of any further collection activity and or any negative reporting on my credit report. On XX/XX/2018 I was informed by a credit monitoring service that a collection account was reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: DISCOVER BANK
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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: EQUIFAX, INC.
State: NC
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:
money lion is falsely reporting wrong balance amount on my credit report. i paid the account in full on XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2018 - I found proof of payment for a debt posted on my credit report by XXXX / XXXX XXXX XXXX in the amount of {$180.00}. I submitted a dispute and proof of payment which resulted in the account being removed from collections and updated on my credit report. 

XX/XX/2018 - XXXX/XXXX XXXX XXXX reported once again for the amount of {$180.00} on my credit report again, causing my credit score to drop several points. 

I have already researched and provided proof of payment and documented evidence that this account was paid - I respectfully ask that this account be removed again from my credit report. The collection was reported erroneously for a second time and ask that it be deleted completely from my records. 

The following company has caused serious delay in securing a mortgage due to their errors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation