BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-15
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I lost my job in XX/XX/2018, I called my loan company to see if I could use the coverage I signed up for when i originally signed my contract ( i.e. help making a payment if I was ever unemployed ), at the time I was told I'd have to make the XXXX payment before I could use the coverage. I called a few weeks after making the payment to discuss the unemployment coverage and was told that since I was not collecting unemployment ( I had been denied my state unemployment benefits ) that I don't qualify to use the coverage I'd agreed to when I signed my contract. I asked if there was anything they could do to help to which they said no. I asked to cancel the upcoming payment since it was set up for auto withdrawal ( since I knew I wouldn't have the money the payment ). I had accepted a job through a temp staffing company but it wasn't due to start until the end of XXXX. I started conversing with my loan company around the beginning of office, I advised them I was trying to keep my car from being repossessed and if they took their auto payment it would overdraw my account causing more issues and risk me losing my car. 

The rep I spoke with told me she had cancelled the auto payments on the loan and I'd need to re-set up the auto withdrawals going forward to keep my loan on a good payment schedule. Turns out the company still tried to withdraw the money from my account and I had to file a dispute with my bank and nearly lost my car. They even tried to make another auto pay withdrawal again on XX/XX/XXXX and I am disputing it again. They want me to make a payment or do an extension but the condition is that I would need to add auto payments back to the loan. 

I've received multiple calls a day, including within the same hour. I've also gotten multiple voice mails left within the same hour on the same day. Every call I get comes from a different phone number which is really upsetting me. I am feeling harassed and under undue stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-29
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Purchased furniture at XXXX 's in XXXX CA, applied and received credit on a Brandsource CC for XXXX 's. XXXX XXXX 's cash for amount above XXXX. Used card for XXXX balance for interest free promotion. Within less than a month XXXX doubled my balance to max card out at XXXX. Many attempts made to resolve problem with XXXX 's and XXXX. Took 2 months to get the charge off. In the meantime, XXXX had turned in maxed out card balance to credit bureaus that dropped my credit scores after stating they would n't do that. 

Now getting letters from XXXX security at their company that they intend to reinstate that fraudulent double charge again. One letter made on 1XX/XX/XXXXand another on XX/XX/XXXX, both from XXXX Credit Card Security. I have saved these letters and have sent a message to the effect of starting legal action if they do just that. 

I also had called Citibank, my own place of banking, and asked if they could intervene on my behalf to help me since the XXXX card is issued by Citibank. They would not help.

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 2018-03-21
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect  until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The credit bureaus are taking too long to complete my credit investigations. I submitted requests back on XX/XX/XXXX, and I have yet to receive my completed investigation results.

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 2018-02-08
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: Account information incorrect

Complaint:
Old closed accounts still show on credit report, and are hindering my credit, even though they have been paid in full and accounts have been closed for over 2 years.

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 2017-11-29
Company: CITIBANK, N.A.
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:
When reviewing my XXXX XXXX, I noticed a new hard inquiry from CBNA made on XXXX XXXX through XXXX. I have not registered to have any new accounts opened or made any authorization to do so. Im not even aware who is CBNA. 

Please assist me in getting this removed as this is alarming me. I was a victim of identity theft in the past would hate someone out there is reattempting it.

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 2017-11-29
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:
Their are XXXX hard inquiries on my XXXX and XXXX on my XXXX Credit Report and that I have not authorized and am not even familiar with. I have contacted XXXX and Equifax and I have also contacted each creditor individually. Nothing is being resolved or 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 2021-09-12
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I RECIVED MY UNEMPLOYMENT FROM WHAT WAS OWE TO ME. WELL SOME DAYS LATER I WAS RUSHED TO THE ER  MY XXXX XXXX XXXX XXXX XXXX DO TO XXXXWELL DURING THAT TIME MY WALET, KEYS AND MY PHONE WAS LEFT IN MY CAR. SOME ONE BROKE INTO MY CAR WHILE I WAS IN THE ER AND MY CARD WAS USED NUMERIOUS TIME SO I REPORTED IT AS FRAUD THE BANK DENYS THE CHARGE. HOW I FILED 2 CLAIMS ON THE SAME DATE SAME PHONE CALL THAT THEY APPROVE. FOR THE SAME UNAUTHORIZE USE. SO BECAUSE I DISPUTED THIS FOR XXXX XXXX AND SOME CHANGE. THEY ASKED ME TO SEND MY ID AND PROOF OF ADDRESS. I DID. THEN THEY ASKED FOR MORE STUFF AND MORE AND THEN CLOSED MY ACCOUNT THEY DIDNT GIVE ME NO TIME TO SWITCH MY BILL PAY OR DIRECT DEPOSIT. 
NOW THERE DEPRYING ME OF MY HARD EARNED FUNDS I SRNT THEM A CABLE BILL MY DL AND MY 1099

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: Experian Information Solutions 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 have no knowledge of these two XXXX delinquent accounts on my credit file I have disputed them with the credit bureaus for about a year with no results, please verify the information you have on file about these two accounts listed below XXXX XXXXxx XXXX XXXXxx

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 2018-09-15
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This collector keeps calling me 7 times per day since XX/XX/2018 and has never left a message nor has sent a debt validation letter showing where I owe a debt with them. This collector is in violation of the FDCPA laws and regulations, if they continue with these types of calls, I have phone records of each call placed and will be getting an attorney and taking legal action against them. This needs to stop and the constant calls are really stressing me out right now and this last call I just got 10 minutes ago has really gotten me fed up. Please let them know not to contact me ever again by phone

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-12
Company: EQUIFAX, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity have been stolen. My credit reports have a XXXX XXXX account that I never opened.I need this to be removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
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:
I have contacted Experian and XXXX XXXX several times about missing information and inaccurate credit reporting. I have 3 credit cards - XXXX XXXX, XXXX XXXX, XXXX XXXX. These credit cards are not being reported on my credit reports. The credit cards that are being reported, the balance is incorrect. Each credit card has an estimate balance of {$500.00} each. XXXX XXXX is reporting {$2000.00} balance on each. I want all three credit cards to be reported to all three credit bureaus- Experian , XXXX and XXXX immediately and the correct balance owed. This unfair reporting is delaying me from receiving the loans and proper interest rate that I deserve.

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 2018-09-15
Company: Avadyne Health Holdings, Inc
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter asking for validation of debt which is different from verification. The letter sent was with verification and not validation. Verification and validation are completely different. 

VERIFICATION means establishing truth and accuracy. VALIDATION means to provide Legal PROOF of this truth and accuracy. 

Proof of VERIFICATION are bills, receipts, credit card and bank statements. 

Proof of VALIDATION include leases, promissory notes, contracts with an original signature from the Original Creditor NOT the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: Specialized Loan Servicing Holdings LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We are attempting to refinance our home. Our current mortgage is through Specialized Loan Servicing. We requested to refi our current loan with them and they said they do not originate loans in Nevada. We then contacted a local bank and are in the process of doing the refinance with them. The title company ordered the payoff from SLS on XX/XX/XXXX and as of today, XX/XX/XXXX, we still do not have the payoff. We have been calling SLS since XX/XX/XXXX trying to get the payoff and they have said that because our home is in Nevada, they have to manually create the payoff and that we are in the queue. We have spoken to reps nearly everyday from SLS, many have said that they are waiting for some kind of Addendum to be able to produce the payoff and some have even said it is already done and has been sent. We have escalated this situation multiple times with SLS and are always assured they are working on it. Our loan rate lock is about to expire and it will end up costing us money, as the rates now are higher. We feel that SLS is not in any hurry and is going to ultimately cost us money and/or cause us to lose our loan completely due to their own internal issues. We are not sure where else to turn, as they refuse to give us a corporate phone number and we aren't sure where to turn.

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 2019-04-22
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I sent a letter to Equifax asking them to correct mistakes on my credit report. They were supposed to conduct investigations, and respond within thirty days. They have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XXXX signature Credit card account was open XXXX XXXX for the approve credit line for XXXX dollar. XXXX credit card is not report none on credit report XXXX, Trans Union and XXXX credit reports. I have sent faxes to all 3 credit bureau to dispute this issue.

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 2018-05-01
Company: BARCLAYS BANK DELAWARE
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
One rep says they made a mistake and will remove the account - now another rep says that I owe this valid debt from 2011 and want the payment in full ( somehow went from {$300.00} to $ XXXX ). No one help 's at Barclay 's and they are trashing my good credit by reporting the account late 90+days every month!

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 2017-11-29
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I made a purchase for XXXX XXXX once with bank account which takes 5 to 7 days to clear the second charge for XXXX XXXX using my debit card linked to the same bank account the first one ended up being a NSF and coinbase credited my account anyways. so I spent both of the XXXX XXXX I purchased and only paid for 1. Ok so now coinbase disables my only options to pay this back I can not buy, sell, or withdraw. meanwhile they accept payment addressed to me and hold it for ransom. they have a support request that goes unanswered they have a support number which basically is someone who can do nothing but say they are sending your case to a specialist while holding your money in limbo. I want my money back asap they can take what I owe just give me my money .Attached are photos XXXXXXXXXXXX in reference to Case # XXXX =

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: EQUIFAX, INC.
State: IN
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:
XXXX signature Credit card account was open XXXX XXXX for the approve credit line for XXXX dollar. XXXX credit card is not report none on credit report Equifax, XXXX XXXX and XXXX credit reports. I have sent faxes to all 3 credit bureau to dispute this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Problem with personal statement of dispute

Complaint:
From outset of lease in XX/XX/2017, we repeatedly tried to have Toyota Financial debit our account for the monthly lease payment. In XX/XX/2017, we sent Toyota the appropriate form to complete the transaction. Later we were told that this had been processed. As an elderly couple that occasionally travel, we assumed the matter was settled. Instead when we arrived home in early XXXX, we had been billed double the lease payment plus late fee. This indicated Toyota had not drafted our account. Promptly we paid their invoice and again went through the troubles of setting up this drafting.

Driving 50 mile round trip to the Toyota facility in XXXX from where we had leased the car, the financial officer instructed us to again complete and file a draft authorization. Meanwhile Toyota notified us that we had to pay 100 % of the remaining lease immediately.

Although the matter was finally settled, Toyota reported this to the credit bureau with the result that our good credit rating was adversely affect. I wrote to Toyota appealing this unjust treatment only to receive a reply from them refusing our appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: First Financial Resources, Inc.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX and XX/XX/XXXX I sent a letter disputing 2 collections reported by the same company. I have yet to see any documentation regarding these account nor their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Re : Wells Fargo Claim # XXXX Wells Fargo ( WF ) refuses to review video of problem to assist the return of my funds. 
Problem : I used an ATM at WF / XXXX Branch on XX/XX/18 about XXXX PST to withdraw {$200.00}. 
After keying in my information to withdraw my funds, I was diverted away from my transaction by the image pop up congratulating me of my 40 something anniversary. 
I proceeded with using my hand held device to take an image of the screen of the ATM displaying my anniversary. Then pulled away and drove 3/4 around the branch and realized I did not have my {$200.00}. I did not see or notice any other cars at ATM. Pulled around to ATM, no money at ATM. I did not receive my money I went inside and filed a claim. After a letter and two calls to WF, they refuse to provide funds and refuse to examine video to investigate what happen. 

Please Note : WF time stamped transaction ATMID : XXXX information provided at second request states ; " XXXX_ATM_Will_Take_Your _Cash Back ''. 

I speaking with WF representatives, I believe " XXXX '' in Arizona at XXXX XXXX was very short and very rude.

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 2018-05-01
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Requested Credit Line increase with XXXX. They state in their online system that they will not do a hard credit pull, but I got a hard credit inquiry.

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 2018-05-01
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
Before, I got my car loan with XXXX XXXX XXXX XXXX, I went to XXXX Dealership, XXXX check to see if they could give me a loan and all these other companies was on my credit report, I want them off!!! Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: EVERBANK, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I bank with Everbank which is now TIAA bank. I opened a checking account in 2015. I have called and requested an account closure, but the bank will not allow me to do so. 
I asked customer service why they won't close my account and was told because there's a block on the account, Once I again I asked what the block was for and was giving no reason at all. My bank account currently has XXXX of my hard earned money and, The bank is giving me the run around. Transfer after transfer, from department to department. I am tired of this. Please Help

Company response to consumer: Closed with explanation