BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-26
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:
Today XX/XX/2018 I saw today in collections was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also credit cards inquiries from XXXX card, XXXX  XXXX XXXX, I did not make these inquiries take them all off I am a victim of identity theft

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 2021-08-07
Company: Coinbase, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sent wire to coinbase for {$1500.00} on XX/XX/2021 as per policy this will reflect to my a/c in 1 day they are ignoring email ticket # XXXX please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: American Coradius International LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I received a letter from American Coradius International ( ACI ) LLC in regards to the collection of a debt for {$8900.00}. After I reviewed and investigating this communiction, I discovered that this communication violated Federal Debt Collection Protection Act ( FDCPA ) 15 U.S. Code 1692c ( a ). I did not give ACI prior consent to any communication with me. ACI failed to provde me with any signed agreement that gave thm authorization to collet any amount in regards to this debt as per my dispute letter mailed on XX/XX/2021. This is a violation of FDCPA 15 U.S. Code 1692f. These actions lead me to believe that ACI is participating in deceptive actions and is in violaiton of FDCPA 15 U.S. Code 1692j. I feel that these actiosn are also a form of harassment nad violates 15 U.S. Code 1692d. 

I received a letter from American Coradius International ( ACI ) LLC located at XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX NY XXXX, in regards to the collection of a debt for {$8900.00}. This communication violated Federal Debt Collection Protection Act ( FDCPA ) 15 U.S. Code 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ... I did not give ACI prior consent to any communication with me. 

After I disputed this alleged debt with ACI, ACI failed to provde me with any signed agreement that gave thm authorization to collet any amount in regards to this debt as per my dispute letters mailed on XX/XX/2021, and XX/XX/2021. This is a violation of FDCPA 15 U.S. Code 1692f ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 

These actions lead me to believe that ACI is participating in deceptive actions and is in violaiton of FDCPA 15 U.S. Code 1692j ( a ) ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 

I feel that these actiosn are also a form of harassment nad violates 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
Home Depot and Citi Retail fraudulently enrolled me in their Balance Protector Program without my knowledge or consent. My husband  and I are both retired and have been for the last 10+ years. However, Citi Retail ( who manages the Home Depot credit card ) claims that we signed up for the program in XX/XX/XXXX. This would not have made sense for us since the Program 's purpose is to guard against loss of income ( which does not apply to retirees ). We have no recollection of this nor did we ever agree to or sign any paperwork to consent to being enrolled in the Program. 

We discovered these Balance Protector Program fees ( averaging $ XXXX $ XXXXmonth ) in XX/XX/XXXX and called Citi Retail to cancel the program and request a refund of the program fees paid. Unbeknownst to us, we have paid a total of {$410.00} in program fees to date. We have contacted Citi Retail and the Balance Protector Program repeatedly to request a refund/credit for these fees ( calls made XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and yet no refund has been granted and we continue to get the misdirected to other divisions or 3rd parties. Please help us resolve this dispute and get these program fees credited to our card.

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 2018-06-12
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Chase Bank is offering three separate offers for the " Freedom Unlimited '' card, claiming that they're all the same card. To me, this seems like a highly deceptive practice as it's based on a random factor of a user visiting the site. Refreshing the page will provide additional perks to a card - for the life of the card. Please see attached screenshots for an explanation of what I'm talking about.

It doesn't seem legal, fair, or ethical for chase to offer additional " card benefits '' if a user refreshed the page. It doesn't seem correct that this is based SOLELY on random chance, and yet they claim that it's the same card. A card with 0 % on 299+ is not the same as a card with 16.49-29.99 % interest after 15 months.

Chase has attempted to claim that it's a new customer bonus ; however, I don't feel that's the case when the 0 % interest for 6 months on purchases of {$290.00} ( for life ) is listed as a card benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: EQUIFAX, 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:
XXXX XXXX XXXX (  XXXX XXXX XXXX ) always disguise their name to try and confuse people. This time it is XXXX XXXX XXXX XXXX They have placed the same medical bill ( XXXX ) as a collection on all 3 of my consumer reports. This bill is part of an open auto accident case that is not closed at this time. This is the 3rd time I have had to go through this with these fraudulent companies. I have no alternative but to file suit and publicize this information. These companies need to be stopped. 

XXXX XXXX XXXX XXXX has violated my right to privacy and placed the fraudulent account on my consumer report. I'm the consumer and I did not validate any of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: DISCOVER BANK
State: FL
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 provided you all document of the illegality Of this account. 
Federal Trade Commission Report, Identity Theft Victims Complaint Affidavit IRS Identity theft report, XXXX County Sheriff 's Report, XXXX Police Report and XXXX REFUSE TO REMOVED THIS FRAUDELENT AND Illegal ACCOUNT FROM MY REPORT I have provided all document to DISCOVER FINANCIAL SERVICES # XXXX Of the Illegality of this account and they refused to removed from my record in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Chase Ink CC issued XX/XX/2020 Credit Limit {$21000.00}. 
Chase closed the account XX/XX/2020 without notice. 
Balance is {$12000.00}. 
Chase voided XXXX points XX/XX/2020 without notice. 
All monthly payments have been made timely. 
Chase refuses to reinstate account and/or points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: ALLY FINANCIAL 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:
Ally can not provide me with a signed and dated credit application that proves that I requested a loan from them. They are putting the blame on another company, who also can not provide proof that I applied for credit with them. 
Please see my attached later. 
I am seeking damages for my consumer rights violation.

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 2018-10-18
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
We received notice from Nissan motor Acceptance advising us the XX/XX/XXXX XXXX was sold for less than the estimated balance due. When we contacted them to inquire about receiving a copy of the bill of sale and a XXXX showing the actual transaction, they refused to send it. We tried explain that this voluntary repossession was due to fact that we couldn't trade the car in for another. Now they're threatening to send this to a collection agency for money we don't feel we owe. The XXXX insurance company listed it as a total loss in XX/XX/XXXX but never advised us of that and we had Gap coverage too. We have filed a gap claim with the insurance company in XXXX but still have not heard anything from XXXX XXXX XXXX XXXX  regarding this issue. Please advise us if anything can be done to resolve these issues. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: AMERICAN HONDA FINANCE CORP
State: MD
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have requested Honda Financial Services on several occasions to change my due date because my employer changed the payroll payment dates but they've refused to cooperate, and continue to charge me high late fees on both vehicles.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-19
Company: Chime Financial Inc
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have been a member of Chime Bank for at least three years. I haven't had a problem until now. On XX/XX/XXXX I lost my card at the XXXX that is near my home on XXXX XXXX. in XXXX, MD. Apparently someone picked up my card and used my debit card at two different locations. He used it at XXXXXXXX XXXX XXXXXXXX XXXX XXXX in XXXX, MD for {$210.00} and {$3.00}. He also used my card at the XX/XX/XXXX at XXXX XXXX XXXX., XXXX, MD XXXX for XXXX. I called my bank immediately when the funds were taken. The representative on the phone told me to wait until all transactions cleared, then I can do a dispute for each of the transactions. I waited until they cleared, this was XX/XX/XXXX that everything had finally settled. I then called my bank back to file a dispute. They proceeded to give me instructions on what I needed to do. I filled out the form which they emailed me and returned signed with my name. They told me Ms. XXXX it will take up to 10 business days to make a decision. We will give a temporary credit and if we do not find that the transactions were fraudulent then we will take back the credit that we gave you. Within 20 minutes a decision was made to deny me the funds back, and they never gave me any temporary credit. When I called back to speak with a supervisor in the dispute department he told me I had to resubmit a rebuttal. He did not make clear as to why they said no, and said they did their research and they reached out to the creditors and it was still a no for me. I went to the XXXXXXXX XXXX place that was on my debit card, and the young man, XXXX XXXX, Customer Service Leader, show me the video of this man, I do not know, swipe my card for cigarettes. I asked him to write me a letter so that I could file a rebuttal. He did just that and I sent my rebuttal in with the letter that he provided me. Again, they denied my claim standing behind their initial decision. I was very upset, and was dissatisfied with the customer service they had given me. I was NOT given any credible information of how they came about this decision. They emailed the same signed form I was suppose to give them, and highlighted one word on my sheet, that word was, MEMORY. I am not sure how that helped them make their decisions. Also, today, XX/XX/XXXX, I spoke with XXXX, the store manager, at XXXX XXXX she told me I can not get a copy of the camera feed showing this man using my card to make a cigarette purchase. I will have to file a civil lawsuit and subpoena them for the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: CAINE & WEINER COMPANY, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a certified letter to Caine & Weiner requesting verification that I owed this debt. I never received a response and the account was removed from my credit reports. 
the account has been re added without proper notice and without ever properly providing verification as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Experian Information Solutions Inc.
State: DC
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:
XXXX  is lying to the cfpb and preventing a XXXX veteran from putting a roof over his head. XXXX  discriminates against XXXX people, XXXX people and veterans and lies through their teeth, and violating federal law under FCRA. XXXX  did NOT investigate my complaints and remove XXXX XXXX XXXX ( AND XXXX AND XXXX ) from my credit report. XXXX  lies and people like me suffer and are affected. XXXX is an illegal fraudulent debt, and it WILL be removed from my credit report or I will sue XXXX  and its board members for malfeasance. XXXX  also illegally refused me getting my online credit report for SIX months illegally while making excuses that it was under investigation- I COULD NOT access even my free annual credit report at any time. XXXX  is a bunch of lairs and illegal fraudulent cheats that destroy peoples lives, they will be sued very soon by me. XXXX XXXX XXXX WILL be removed from my credit report immediately, it is FRAUD and illegal and HAS BEEN REMOVED FROM my XXXX  and experian reports. I have reported XXXX  to the CFPB, the DC attorney general, the CA attorney general, and the XXXX. XXXX  KNOWS XXXX well that this is a fraudulent debt, and they refuse to investigate and remove this item from my credit report UNDER 609 OF fcra which is illegal. XXXX  is illegally and fraudulently stating this is a legitimate debt, WHICH IT IS NOT. XXXX  ALSO IS FRAUDULANTLY REFUSING TO PROVIDE ME WITH THEOR FRAUDULANT ILLEGAL REASONS FOR XXXX XXXX XXXX REMAINING ON MY CREDIT REPORT.XXXX  DID NOT INVESTIGATE AND REMOVE XXXX XXXX XXXX FROM MY CREDIT REPORT, WHILE XXXX  AND EXPERIAN DID. DO NOT SEND THIS COMPLAINT TO XXXX XXXX XXXX, XXXX WILL REMOVE OIT FROM Y CREDIT REPORT IMMEDIATELY!! XXXX  AND ITS PRESIDENT AND BAORD ARE LIARS AND CHEATS AND DISCRIMNATES AGAINST XXXX PEOPLE, XXXX VETERANS, AND XXXX PEOPLE, ILLEGALLY.

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 2020-10-12
Company: CL Holdings LLC
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:
There is a XXXX XXXX credit collection on my report. It is being reported by Jefferson collection services. This was just placed on my credit report XX/XX/2020. I have not had an account with XXXX XXXX. My cell phone billing has been through XXXX XXXX for several years now. I have not received one letter or one phone call pertaining to this account. This is fraudulent and not accurate. I check my credit  reporting through the credit agencies almost daily. Its the only negative mark on my credit report and please do what you can to have it removed. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have a title loan I have been trying to p ayoff for a week.loanmart has taken 3 payment via my bank account ach.1st payment XX/XX/XXXX for XXXX XXXX XXXX XX/XX/XXXX and XXXX on XXXX XXXXOn XXXX XXXX I had a long conversation with there associate XXXX he spoke with the supervisor.They agreed to take a XXXX payment to payoff loan on XXXX XXXXWhen XX/XX/XXXX came around they called me and told me there system wouldn't take the payment and told me I would have to wait 21 days to make final payment. I made.it clear I wasn't gon na pay there daily interest on this account for 21 days.We had an agreement and they lied.I then Spoke to there supervisor who told me they would run the payment XX/XX/XXXX she said the next day.Well I never heard from anyone.I don't feel I should have to pay the interest since they failed to take care of there agreement.They also tell me this is there policy on billing the bank ach 21 days but funny they charged my banks 3 times in 3 days so this is another lie.They have refused me the right to pay my loan off and in the process during this so called waiting period want me to pay interest. And I have refused .All I heard from the supervisor is I talked to the other Depts nothing I can do.This is wrong all I wanted to do is pay my loan off.Both my wife and I are XXXX and I had a family member pay this off for me.I don't need to be treated like this. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Social Finance, Inc.
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
We are been trying to roll over my IRA from Sofi for last 6 months. They made submit the rollover form twice and also has asked for additional Letter of Acceptance. Now, Sofi is asking to repeat the same process, which was already completed twice before. It just seems Sofi is intentional delaying or deferring to roll over my IRA funds out to another organization we requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: American Credit Acceptance, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have called American Credit Acceptance and spoken to 3 different account representatives ( its all on their recorded phone line ) to tell them they have not reported to the three credit bureaus ( XXXX, XXXX, XXXX ) in over three months. The information regarding my account is incomplete and inaccurate. As a result of them not reporting my credit scores have not raise to reflect my payments. I have been making payments before their due dates every month and have not gotten any credit for it on my credit report, as they have not reported, " pays better than agreed '' or anything since XX/XX/2018. Per 15 U.S.C.1681 ( FRCA ) American Credit Acceptance is willfully violating the fair credit reporting act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: AMERISAVE MORTGAGE CORPORATION
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX of this year I attempted to refinance with AMERISAVE MORTGAGE and dealt with a representative who over the phone assured me there would be no problem with my refi due to my good credit etc. He requested a few documents and informed me that if I could not produce those that I would be able to use something else. Over the course of the next two weeks I prepared my documents and sent him some, but I had questions about others. I emailed him, texted him, and left phone messages, and did not hear back. Then I received an email that I was denied and now Im out the initial fee of {$500.00}. 
My c.c. Company attempted to recoup the money to no avail. Whatever information you can provide me will be greatly appreciated. 
Thank you XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-17
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX needs to delete and remove this fraudulent account from my Equifax credit report immediately.

Company response to consumer: Closed with explanation