BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-20
Company: Experian Information Solutions Inc.
State: MS
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:
Dear Sir or Madam : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 
These item ( s ) showing 30/60/90 days late payments are inaccurate because the vehicle that was financed by XXXX was totaled by XXXX insurance on XX/XX/XXXX. 
XXXX voluntarily stopped drafting my checking account for payment. I contacted XXXX on several occasions once they reported me 30 days late and was assured no payment was required of me and that the late payment status would be removed from my credit report. 
XXXX has made no attempt whatsoever to collect payment from me in any way. 
Please remove these items from my report. 

. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-03
Company: Experian Information Solutions Inc.
State: TN
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 CONSTANTLY BEEN REACHING OUT TO XXXX, XXXX AND EXPERIAN REGARDING AN INACCURATE BANKRUPTCY THEY ARE REPORTING. THIS HAS BEEN GOING ON SINCE XXXX AND I AM NOT GETTING ANYWHERE. EVEN AFTER I HAVE SUBMITTED DOCUMENTS SHOWING IT IS INACCURATE.

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 2020-07-31
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
In late XX/XX/2020, I was notified that I had several negative items on my credit report. Of these negative items, that spanned over a number of years, accounts like auto loans, car insurance, credit cards, bank accounts and student loans were opened in my name have all been charged off, closed, and sent into collections. I have sent ancillary documentation to the creditor and credit bureaus to have these items removed. 

I have requested that the creditor and/or credit bureau provide me with proof that the debt is mine but they have yet to do so. My requests are ignored and I am instead sent a bill to pay. During this time, I have been consistently harassed via phone and mail to pay a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am trying to lift security freeze with Equifax. They say it can't be done until 10-15 days. I was able to temporarily lift it a few days before with no issue. Now I can't. Was able to lift it on XX/XX/XXXX. Tried again on XX/XX/XXXX and was told no and a waiting period of 10-15 days. I am trying to get a home loan right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: DISCOVER BANK
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XXXX-18 I contact discover to set up a check for {$220.00} with my account with XXXX. I contacted Discover on XXXX-18 advising them that they could pull the check and run it that day and that I had closed my XXXX account and provided them with my new checking account. 

Discover then processed the {$220.00} twice. Once from the XXXX account and again from the new account. I contact Discover and spoke with XXXX XXXX on XXXX-18 at XXXX XXXX. She advised that although I did tell them that the account was closed and the rep should have transferred the call to their supervisor it was not their issue for running the check because I only said the account was closed instead of pull the check and that this was not their fault because the rep was using a different computer system. 

This is a blatant breach of both federal and state law. I want the U.S. Attorney 's office to investigate Discover for possible criminal charges and for Discover to pay damages for their negligence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-05
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I had money on https : //www.coinbase.com ( Coinbase Inc ) which I withdrew and I still have not received it. 

On the XXXX XXXX I withdrew the following amounts to my XXXX bank account ( two separate transactions : XXXX XXXX I have contacted them numerous times but have not received my money back. 

The bank details are correct and I withdrew around XXXX the day before with no problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: HYUNDAI CAPITAL AMERICA
State: LA
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:
Asked for removal of unauthorized Hard Inquiries on my XXXX   file from : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX, LA XXXX Hyundai Motor Finance Corp, XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MD XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MD XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, LA XXXX I did not apply for credit with this automotive dealers for car credit and ask that they furnish written documentation of application for credit approval. I never visited these dealers. I am presently in Chapter XXXX and not allowed to apply for credit without consent of the courts.

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 2018-08-07
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
My card has charges on it that were not made by me. I wrote a Dispute letter and also a letter from my employer stating my where abouts during the date and time the charges occurred. On XX/XX/2018 at XXXX a charge for {$100.00} at XXXX XXXX XXXX NY . On XX/XX/2018 at XXXX a charge for {$210.00} at XXXX XXXX-NY. On XX/XX/2018 at XXXX a charge for {$60.00} at XXXX XXXX. XXXX XXXX NY US . On XX/XX/2018 at XXXX a charge for {$18.00} at XXXX XXXX XXXX XXXX NY US . On XX/XX/2018 at XXXX a charge for {$290.00} at. XXXX XXXX XXXX # XXXX XXXX NY US. On XX/XX/2018 at XXXX XXXX a charge for {$69.00} at XXXX # XXXX XXXX NY US. On XX/XX/2018 at XXXX XXXX a charge for {$100.00} at XXXX XXXX XXXX NY US. On XX/XX/2018 at XXXX a charge for {$81.00} at XXXX XXXX # XXXX NY US . On XX/XX/2018 at XXXX a charge for {$3.00} at XXXX XXXX XXXX XXXX NY US . On XX/XX/2018 at XXXX a charge for {$9.00} at XXXX XXXX # XXXX XXXX NY US . On XX/XX/XXXX at XXXX a charge for {$19.00} at XXXX XXXX XXXX NY US . On XX/XX/2018 at XXXX a charge for {$88.00}. Its been over 7 months I have no letter explaining why I was denied. I called over 30 times trying to get a representative to mail me this letter they put me on hold then say after an extended hold time of over 10 minutes they say no one is available. Sometimes they hang the  phone up on me. The card company is XXXX XXXX  Visa Prepaid Debit Card is issued by XXXX XXXX XXXX XXXX, Member FDIC, pursuant to license from Visa U.S.A., Inc. This lost of money has set me back on bills, food, and shelter.

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 2019-09-29
Company: CITIBANK, N.A.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Macy 's Credit Collection department started calling me on a new account that was just established 3 weeks ago. Macy 's started calling my phone on Saturday XX/XX/XXXX and according to them the account today Sunday XX/XX/XXXX is only 8 days past due, so when they started calling me on XX/XX/XXXX the account was only past due by 1 day. 

I opened the account three weeks ago and I pay all my bills on the XXXX of every month or generally the weekend before. Macy 's doesn't know this ; but they are calling me over 12 times per day and the first calls start as early as XXXX XXXX ( as the call on Thursday XX/XX/XXXX ). They are calling with a blocked or unidentified caller id and while that is not against CFPB or Collection regulations ; the FCC suggests that no one answer blocked, unidentified calls or even calls from numbers you do not know who they are because of scamming and bad people. So what about any of these practices are good. 

Macy 's credit collection practices are breaking collection guidelines by calling more than 4 times per day and calling before XXXX XXXX during the week. This morning the calls started at XXXX XXXX according to my caller ID. I want this account paid in full and cancelled and I will never - ever shop at Macy 's again. 

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 monetary relief
Consumer complaint received 2021-06-08
Company: KEYCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XXXX XXXX at XXXX XXXX. I tried to deposit my cash amounted to XXXX dollars in my KeyBank account. The atm counted the money and showed it all went alright until it said unable to process transaction, see attendant inside. It was a Sunday so there was no way of going inside. We called KeyBank immediately and followed a complaint. I called the KeyBank at XXXX XXXX XXXX, XXXX as soon as they opened early Monday morning. They assured me that they would balance the atm and call me to let me know the status. A provisional credit was issued and I thought everything was going well until I followed up and they said they didnt find anything. I am now down XXXX dollars and dont know where to go from here. I now dont trust KeyBank and feel they did me wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Kindly I had bought a car with extended warranty I had decided to cancel it in second day and the dealership had paid a check to bank to reduce the amount financed for the vehicle I bought And the bank had cashed the check but did not update on their system So the payoff amount was large And they kept charging me extra interest The customer service on the phone dont know how to fix the issue And I am ready to move to different Finanacial institutions to finance my car They are asking me to pay inaccurate amount so they are not fixing issue And beside that I am paying extra without fixing 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 2018-03-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
At or around XX/XX/XXXX I purchased an extended vehicle warranty for my elderly parents who are on a fixed income so as to ensure that when their car needed repairs they would always be able to get them. The car only has XXXX miles on it - I paid {$1600.00} for the warranty using both my XXXX and Bank of America debit cards. At or around XX/XX/XXXX I made multiple calls to XXXX XXXX number to file a claim, each time the answer service would pick up the phone and take a message- no one ever called me back. I called several departments on multiple days and each timethe answer service would state that all of XXXX calls had been forwarded to them all day. At or around XX/XX/XXXX I contacted Bank of America claims department - I asked how long did I have to file a claim - claim rep stated 12 months - I then filed a claim for the {$500.00} ( thats the amount charged on BofA debit ) within 10 days BofA denied my claim. Now my elderly parents car needs a new transmission and I dont have the {$1600.00} that I paid for a bogus extended warranty. I can be reached at ( XXXX ) XXXX. 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 monetary relief
Consumer complaint received 2019-05-05
Company: CITIBANK, N.A.
State: DE
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened an XXXX XXXX account with citi, and provided full instructions at opening time itself on how to transfer funds to the Savings account. Trial verification deposits were made by Citi to my XXXX XXXX account and then withdrawn as expected. 
When I tried to login to my new Savings account, Citi 's absolutely website does not allow me to do ANYTHING with my new Savings account ... can't change ATM PIN nor allow me to validate/confirm my external Savings account. SO after trying to manage this across 3 computers and 4 types of web browsers, I call Citi who make it so IMPOSSIBLE to talk to a human being for a Savings account ( they actually don't even have a Savings acct option in their phone systems ) ... the rep tells me that I need to create a new profile to login and use my Savings account. I go and try to do that, and am again blocked by Citi 's site from doing on. So I go to Live Chat and they tell me unlink the Savings from the current web profile. I do that and then try to register for a new profile for Savings alone and the not-helpful at all website again blocks me saying I can not create a new profile for Savings. So I call in to customer service and they are simply not helpful and disconnect the call ... worthless service there too at all channels. All this was done so that Citi can charge an honest citizen the fees by not allowing me to deposit the requisite amount in time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: CITIBANK, N.A.
State: AE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After speaking with Citibank about the credit card that was unknowingly opened by a family member and filing a complaint with the cfpb, they had responded to my complaint stating that they had conducted a investigation. The fraud department states that they had found a joint account with my name associated with it that was making payments. I was unaware of these payment and have now started making two payments because the bank refuses to acknowledge that this card was opened fraudulently. Furthermore, the message that Citi responded back with stated that they would add comments to my credit report which stated that the consumer does not agree with the findings. I have not used this credit card nor did I personally knowingly open this credit 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 2017-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests and complaints, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? As previously pointed out to you, Blacks Law Dictionary, 6th Edition, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
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: Account information incorrect

Complaint:
TransUnion is practicing unfair bias to deter my fico score and been lately I denied goods services due to invalid negative accounts on my credit disclosure and it's has affected my livelihood. There are several invalid reporting adverse aged accounts that are seven years old but it's still visible on my credit disclosure. XXXX XXXX  XXXX acct # XXXX and high balance ( {$15000.00} ) reported is inaccurate. XXXX XXXX acct # XXXX and high balance ( {$20000.00} ) reported are inaccurate on my credit disclosure.

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 2019-09-29
Company: Trident Asset Management, L.L.C.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX of XXXX, our home was broken into while we were away and numerous items were taken including our checkbook. On XX/XX/XXXX, a check was written from our checkbook to XXXX XXXX for {$500.00}. ( Interesting how the thief waited 4 months to use one of our checks. ) XXXX XXXX accepted the check even though we had closed the account within 24 hours after the robbery in XXXX. XXXX XXXX XXXX apparently " purchased '' bad debts from XXXX XXXX and then hired Trident Asset Management, LLC to  collect the balance due of {$520.00} which included a {$25.00} returned check fee. For the last 4 1/2 years, we have gotten phone calls and letters from Trident Asset Management to collect this debt. It has affected my credit report. Finally, after being worn down by Trident and desiring my credit report to be corrected, I go to their website after receiving a letter that they would settle for {$260.00}. Getting tired of their nonsense and wanting it off my credit report, I follow the instructions in the letter and go to their website. I click " Make a Payment ''. I enter the Trident Account # as indicated on the letter. I enter the last 4 digits of my SS #. I get a message " Account Not Found ''. What a joke this company must be. Not only do I not trust them, but I now intend to go whatever lengths it takes to get justice in this matter other than paying them a dime just to get it off my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: Client Services, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Client Services is reporting negative information on my credit reports. They claim I owe {$1300.00}. I have asked for validation bearing my signature and they have failed to provide this information numerous times. This is the collection company that XXXX XXXX sold the account to. 

I also noticed that Client Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX is violating North Carolina state licensing requirements. ( I've attached a copy showing that their license was surrendered. I am asking for this account to be removed from my credit files immediately.

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