BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-25
Company: AMERICAN HONDA FINANCE CORP
State: LA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My XXXX was repossesed via towtruck on Friday XX/XX/2020. In the middle of the global pandemic of COVID19. I am a high risk individual, with a history of XXXX. My Lease bill went unpaid for 2 months, amidst a time I thought I was on auto-pay for the lease. Yesterday I answered the day to an unmasked towing worker, with my car already connected to the tow truck. I had only a few minutes to grab what I could. The office phones of Honda Finance were unresponsive, stating they were closed. I had been told no notice of it being repossesed. 

Imagine having hardly enough money for food in an economic shutdown and having your car towed away to be held against fees and charges that I haven't even begun to have explained to me. 

I have been out of work for weeks, and have been waiting 3 weeks still for PUA payments from the Government. 

I now have no way to pick up medications, food, or access to the items left behind in the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: CITIBANK, N.A.
State: FL
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:
This concerns my Visa through Best Buy, which is through ( according to my card and online account ) Citibank , N.A .
I agreed to pay the minimum due on my account each month. It is set for automatic payment. My previous credit limit was {$2500.00}.
On XX/XX/XXXX I received a statement stating that my minimum payment due was {$77.00}, due on the 1st. This has been in line with most of my minimum payments ( which have been in the $ 50-90 range. ) Today I noticed that the charge that came out of my account for this payment was instead {$450.00} on XXXX XXXX, 2017. When I checked, it appears the change was made so that the company could subsequently lower my credit limit to {$2000.00} ( the payment brought my balance under {$2000.00}. ) I have had my limit lowered by other companies as I made payments. What I do not see is how it was legal for this company to charge an EXCESSIVE extra amount - {$370.00} more than my statement stated! - in order to lower my credit limit.
Not only do I not understand how this is okay, especially with my statement specifically stating my minimum ( what I agreed they could debit each month ) as {$77.00}, but also this has caused incredible hardship. My financial situation has changed since I first applied for the card, and so the minimum payment is all I have been able to feasibly pay. The excess amount taken is half of my rent payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-26
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2016, I signed a lease for an apartment, which included a {$170.00} bond agreement in lieu of a security deposit, which was paid to XXXX that same day by cashiers check. 

From XX/XX/2016 through XX/XX/2016, I was receiving monthly bills form XXXX demanding an additional {$1000.00}, despite my signed agreement stating that the total premium was to XXXX {$170.00}. I spoke with my landlord about thjis, and I was told to ignore the bills. 

I was recently informed that the {$1000.00} debt is showing up on my credit report, and I requested a validation of the debt from Fair Collections and Outsourcing, the company reporting the alleged debt. The black-and-white copy of the contract they sent back has significant alterations compared to the original that is still in my possession. Specifically, my original copy, which is signed in blue ink, shows that the total premium due was " XXXX ''. However, the low-quality black-and-white copy the debt collector sent back shows a total premium due of " {$1.00} XXXX ''. The bond coverage amount is adjust as well. Instead of reading " XXXX '', it now reads " {$1.00} XXXX ''. 

The omission/inclusion of the dollar signs and spaces in the above quoted numbers are not random, they are an exact reflection of the differences between my original contract and the copy provided by Fair Collections and Outsourcing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Experian Information Solutions 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update the following items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-25
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:
FTC Violations Never lived at following addresses : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Box XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX State Highway XXXX XXXX XXXX, TX XXXX SANTANDER {$5600.00} XXXX {$0.00} RISE {$0.00} XXXX XXXX XXXX SPEEDY CASH {$1300.00} CREDIT XXXX PROGRESSIVE {$120.00} XXXX XXXX XXXX XXXX COMENITY BANK {$590.00} WAKEFIELD/EMERGENCY SERVICES OF TEXAS {$2500.00} CONSUMER ADJUSTMENT COMPANY/CHECK XXXX GO {$1200.00} CONSUMER ADJUSTMENT COMPANY/MONEY KEY {$110.00} CCS COLLECTIONS/PROGRESSIVE {$120.00} RMA XXXX XXXX XXXX XXXX {$26.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
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: Old information reappears or never goes away

Complaint:
My student loans have still been reporting negative information on my reports for over 10 accounts on my credit report. This has resulted in low credit score or inability to open new accounts or get better interest rates for a while now. They have accounts on there reported that are 14 years old 11 years old 10 years old 9 years old etc. They should have fell off after 7 years or 7 years plus 180 days and they have been on there wya beyond then resulting in a risky profile and low credit scoring.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
With zero notice, Fifth Third bank dropped me from their autopay service clearly with the intent to stealthily make me miss a payment. Attached is evidence of the past couple months of autopay and the company 's sudden decision to not autodraft the money and instead fraudulently charge me a late fee. This is blatant theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I AM VICTIM OF IDENTITY THEFT, I PLEA IS TO HAVE THIS FRAUDULENT BANK OF AMERICA ACCOUNT REMOVED FROM MY CREDIT REPORT. THE ACCOUNT WAS OPENED WITHOUT MY CONSENT, THE CHARGES AND THE PAYMENTS MADE ARE NOT DONE BY ME. I HAVE NEVER REQUESTED THIS ACCOUNT TO BE OPENED. THIS ACCOUNT CURRENTLY IS CLOSED WITH A XXXX BALANCE,, NEVER THE LESS THIS IS A FRAUDULENT ACCOUNT AND ITS NOT MINE,

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 2020-12-06
Company: CITIBANK, N.A.
State: NJ
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: Card was charged for something you did not purchase with the card

Complaint:
I have been receiving fraudulent charges on my card and Citibank refuses to rectify the situation. I have filed a prior complaint and was told the problem had been resolved but I got another re-bill from Citibank on this months statement. 
My complaint number is XXXX. 
On this months statement there is a rebill charge of XXXX. 
Please help me fix this problem

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
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: Account information incorrect

Complaint:
This complaint is against XXXX XXXX XXXX  and their incorrect credit reporting/closure on my account despite on-time payments. 

On XX/XX/2020, XXXX XXXX reported that they paid off XXXX XXXX in full of the {$1300.00}. 

On XX/XX/2020, in my XXXX XXXX XXXX  account, it says that XXXX bank transfer/pay off my balance from my XXXX XXXX XXXX   with a balance of {$1300.00} - this transfer would have left my account at {$0.00} with XXXX  XXXX. 

********On XX/XX/2020 at XXXX PST, I called the XXXX  XXXX to notify that I would like my account closed. The representative said that he did not see a balance but mentioned, " if there is still a balance and you close your account, it will reflect negatively on your account. '' He assured me that he would close the account. ********* Early XX/XX/2020, I received another bill of a " remaining balance. '' On XX/XX/2020, I made another payment of {$5.00} supposedly on the interest that would have accrued on my previous balance. 

On XX/XX/2020 in the afternoon after XXXX, I called XXXX XXXX XXXX  to ensure that my account was closed and to confirm that my balance was at {$0.00}. The representative told me that my account was at {$0.00} and that my account was closed. 

On XX/XX/2020, I receive an email from XXXX XXXX XXXX   notifying me that my account was closed due to failed returned payments and that this was " closed by the Creditor. '' I also checked my XXXX XXXX XXXX  upon reading my email and see that this payment was " returned. '' Now, I am faced with paying additional fees from this {$5.00} that should not have been charged in the first place. 

I have had many issues with XXXX XXXX XXXX  with trying to make payments online, over the phone, and even while typing this complaint, I tried returning to my XXXX XXXX Online account and it seems the company suspended my account and will not allow me access. 

In summary, please note that my account with XXXX XXXX XXXX   should have been closed since XX/XX/2020 with all on-time payments made in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: BARCLAYS BANK DELAWARE
State: NY
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 paid all the company I owed in the past and they are showing up still on my credit report as Charged off after I paid all of them. I wrote them and ask to remove them from my credit report and still got no answer from them or no action.

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 2020-10-22
Company: EdFinancial Services
State: TX
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:
I have attempted several times to have the account removed from my report it is paid and past the 7 years yet edfinancial is still reporting twice on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
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:
Dear Sir or Madam : I am a victim of identity theft. The information which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Resulting from the identity theft that should be blocked, Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely,

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 2020-07-07
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
contacted the company fraud department concerning the issue with the card. Explain to the fraud rep I didnt make the charge. The rep was aggrevated until I asked where was the charges made and she told me I looked up the charge and it was made over 150 miles away from my home. Rep then got up set and said well thats not far and we will dispute the charge but we will not send you another card I asked why is that and she said its the procedure and I asked where in the card memeber agreement is that and she said I cant give you the exact place. I didnt make the charge on my account please dispute and send me my card please. This card is also reporting late on my credit report they have XXXX in late fees and interest charges I didnt make

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A XXXX credit was opened in my name with synchrony bank. I have since closed all XXXX accounts.. I have notified synchrony bank that it was fraud, filed disputes with the credit bureaus and filed an FTC report for identity theft. Someone keeps coming back saying it is not a fraudulent account. I did not open this account nor use this account and I will not be paying any more on this account. I made the first minimum payment on the account when I saw it was opened in order to avoid more negative impact on my credit reports. I will not be making any more payments on this card as it is not mine. I also was able to recoup some of the charges from the merchants in a good faith effort. I want this account closed, removed from my credit report and charged off as fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-20
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX IS STILL REPORTING THE ERRONEOUS COLLECITON ON MY CREDIT REPORT. THIS WAS PAID TO XXXX DIRECTLY WHO IN TURN STATED WOULD REMOVE THIS FROM MY CREDIT REPORT HOWEVER, IT IS STILL REPORTING AS OPEN, UNRESOLVED AND AMOUNT DUE NOT TO MENTION THE HARASSING CALLS FROM THIS COLLECTOR FOR THE AMOUNT THAT IS NOT OWED IN FIRST PLACE .... PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: Experian Information Solutions Inc.
State: TX
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:
I have attempted several times to have the account removed from my report it is paid and past the 7 years yet edfinancial is still reporting twice on my report.

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 2017-12-19
Company: Coinbase, Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, I sent a domestic wire transfer to Coinbase in the amount of XXXX. Coinbase wire info states wire transfers received by XXXX XXXX  are credited in that day received. The next day I attempted to call coinbase customer support. After being on hold for 1.5 hrs I talked to a representative that stated they could not help and directed me to their online support site to submit a request. 
On XX/XX/XXXX I received an e-mail stating the wire would be returned, and to expect payment with in 7 business days. As of today XX/XX/XXXX. I have not received any return of money and have sent other e-mails to coinbase support in time leading up to today. In addition, on XX/XX/XXXX. I called the bank where the wire transfer was destine for XXXX XXXX XXXX for assistance. They directed me to e-mail XXXXXXXXXXXX. As of today XX/XX/XXXX, I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: BARCLAYS BANK DELAWARE
State: NJ
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:
This is not a duplicate complaint! Barclays will not respond to my calls or emails regarding the handling of my dispute. I previously filed a case with CFPB. The response from Barclays included the response from the merchant regarding the dispute. The documents supplied by the merchant do not belong to me! Their response is fraudulent. Barclays denied my dispute based on fraudulent documents. Also, Barclays claims that I have not provided proof that the merchant was refunded in full by the airline. That is completely false. I emailed documents to Barclays on XX/XX/XXXX that included a response by XXXX XXXX to the US DOT complaint that I filed. Attached to the response were copies of the original credit card transactions made to purchase the tickets and copies of the refund transactions to the merchant 's credit card. The merchant ( travel agent ) was fully refunded by XXXX on XX/XX/XXXX. I have brought these inconsistencies to the attention of Barclays, but nobody will respond to my email messages. In addition, the phone number supplied to me goes straight to a voicemail. I did leave a voicemail with a specific message and call back number, but nobody has called back. It seems they just want to ignore the problem.

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: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
A used car that was being financed by Capital one with perfect payment history was totaled out. My Gap insurnace provider XXXX XXXX did not pay the remainder of the car loan due to COVID 19. Capital one charged my account balanced off. The balance was paid in full by me. This is reporting as a charge off. This is incorrect. Due to COVID the due process for the loan repayment process was not followe correctly.

Company response to consumer: Closed with explanation