BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-05
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account has been removed previously from my credit reports, then it was reinserted back on to my reports. I filed a FTC report and now they have reinserted the information. Accoring to 15.US. Code 1681 Section ( B ) ( i ) States ... Any information that is deleted from consumers file and then reinserted the consumer reporting agency must in writing not later than 5 business days after reinsertion date. This was not followed by the furnisher so it should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: ENCORE CAPITAL GROUP INC.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/XXXX, a credit card with number ending XXXX was opened fraudulently in my name. This was discovered approximately XX/XX/XXXX, based on a collections letter received from a third party collection agency, XXXX. XXXX was contacted via telephone ; the credit card from a pre-approved letter that was sent back to them from an old address. A police report was filed promptly, XXXX said they would close the account. The delinquent reporting was removed from my credit report. Approximately XX/XX/XXXX, a third party collection agency, XXXX, contacted me stating they had purchased my debt. I sent a letter disputing the debt and asking for additional information about the source of the debt. I also sent in copies of the previous police report, a new police report filed on XX/XX/XXXX, copies of correspondence with XXXX and the original debt collector, and detailed information about my residency. Hearing nothing, I sent two additional copies over the span of three weeks, with the third version requesting return receipt and priority delivery. A third party sent a response stating they purchased the debt and included a single line from an XXXX spreadsheet as proof of the debt. I disputed their proof and filed an FDCPA complaint. The third party removed the credit reporting, but refused to cancel the debt. I sent a response along with the FDCPA complaint, attempted to file a claim as a member of a class action lawsuit, and filed an additional lawsuit which was dropped after a settlement with the third party. About one month ago, I received a communication from Midland Credit Management that falsely, deceptively and/or misleadingly represented themselves in the collection of a cancelled credit card balance derived from fraud and identity theft. Additionally, Midland Credit Management used unfair and unconscionable means to attempt to collect a debt derived from fraud or identity theft. Specifically, the communication offered a settlement on the fraudulent debt, offering a savings on the debt, without stating that there would be tax implications for the " savings '' nor mentioning that making any payment whatsoever on the fraudulent debt would allow additional negative reporting for up to an additional seven years. Having not been disputing this debt for the last 9 years, a lesser sophisticated consumer would not be aware of the negative ramifications of working with Midland Credit Management on this old, discharged, fraudulent debt. I feel this communication, much like the previous communication with the other third party collection agency, violates 15 U.S.C. 1692e of the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-06
Company: DISCOVER BANK
State: UT
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 customer service

Complaint:
Between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, I was contacted by Discover card 27 times. I have never been late and have remained within the confines of my credit limit. Finally, on XXXX/XXXX/XXXX, I answered the phone and was told that Discover was worried about my usage and would I get a {$40.00} credit for paying them on the phone before my due date. This is a clear and wanton violation of the FCRA. I am sure you have similar complaints. If this is not addressed, I will file suit against Discover Card and include the United States Department of Justice as an involuntary plaintiff. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-18
Company: JPMORGAN CHASE & CO.
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:
I have an account with Chase credit card # XXXXXXXX XXXX XXXXXXXX XXXX. My card was stolen and I noticed multiple fraudulent charges made totaling around {$19000.00}. Some of these charges occurred at non-kosher establishments, which indicates that they were not made by me ( THE XXXX HOUSE, XXXX XXXX XXXX XXXX RESTAURANT amongst others ). I strictly observe kosher, and would not eat or take food to go that does not have certified kosher certifications. There were also large charges made at XXXX XXXX  STORES, XXXX XXXX, XXXX, and some clothing stores ) I tried disputing this with Chase explaining that I did NOT make those charges. Despite numerous calls, I received the runaround from Chase. As of now they still claim I owe them {$19000.00}. The Chase representative I met with agreed that these charges should be dropped. His contact info : XXXX XXXX XXXX ( officer ) XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX cell : XXXX office XXXX. 
I have attached a police report in which I state that everything I have stated above is true. 
as well I have attached a business card of a Chase representative that agrees with me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax failed to adequately protect my personal identifying information, then compounded the issue by failing to encrypt the data in a reasonable manner that would protect it in the event of a breach. This has led to an incredibly high likelihood that the necessary information to steal my identity has suffered a permanent exposure. 

After discovering the breach, Equifax ( XXXX XXXX, XXXX ) waited over a month to announce that the event had occurred ( XXXX XXXX, XXXX ), and then is requiring the affected consumers ( 143 million ) to jump through hoops in order to freeze their credit and protect themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2019-09-22
Company: CITIBANK, N.A.
State: TX
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 XX/XX/2019, my wife of XXXX years who is XXXX years old was called from a legitimate XXXX, XXXX telephone, whom she calls quite often for help, which she pays for this service. She was told that her computer had been attacked with a virus and the only way to cure this problem was to buy a series of XXXX XXXX ( she had no idea of what a gamestock card was ) using her CITIBANK VISA CARD and that XXXX would reimburse her for the charges. During that night, she purchased {$4000.00} worth of these cards and received fictitious emails from XXXX that these were being reversed. CITIBANK has seen this happen many times and I am told that they have a program to warm them of a possible fraud happening. She was never called and warned by CITIBANK. The next XXXX continued calling and requiring more gamestock cards and she charged an additional {$17000.00} for these, for a total of {$21000.00}. 

Our complaint is against CITIBANK and XXXX for not warning XXXX of the fraud and not recommending she not charge any more the following day when they had at least 8 hours to trace this fraud and issue her a warning.

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 2019-04-29
Company: FIRST CITIZENS BANCSHARES, INC.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
In late fall of XXXX tried to log in to my account and was told they couldnt verify my information. Called and reset account, which used the same user name and password as before, even though I couldnt log in with those same creditials before calling and resetting. Tried logging in again in late XXXX of XXXX, wouldnt let me in. Called in XX/XX/XXXX. Customer service rep told me she couldnt verify my security based on the information I provided but couldnt tell me what I provided that was insufficient due to security reasons. The only information I provided was my account number. As I began to provide my online log in for security verification purposes, I was told that they couldnt verify my identity and that I would need to go in to a local branch. They couldnt tell me what else they needed to know to verify my identity, also for security reasons. But they didnt ask for anything. I live abroad and cant walk in to a branch. Moreover, in the past, any time Ive gone to a local branch looking for online banking help, Ive been directed to their phone customer service. Now Im locked out of account that might be hit with inactivity fee at any time because there is no set amount of time of inactivity that could suddenly trigger an inactivity fee. This is due to the banks own negligence, not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Block, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
cash app has been taking my money since XXXX of XXXX  not refunding my monies after i had to dispute charges i didnt allow, Ive lost alot of money since to the amount of XXXX dollars. and they will not allow me to use my card unless im recieving money or transferring because they get paid to transfer so thats every time i use that service and disputes dont waste your time that is a JOKE with this company. i try not to use it because of the crooked way they handle their business but sometimes its neccasary. i only want what was mine back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: EQUIFAX, INC.
State: MI
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: Was not notified of investigation status or results

Complaint:
Equifax refuse to properly investigate accounts on my report which is now in my opinion fraud. 
XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX  XXXX XXXX Last reported XX/XX/XXXX I've ask for and investigation multiple times, Equifax never sent me any notification of dispute nor results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: FORD MOTOR CREDIT CO.
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:
XXXX XXXX continues to report negative information tied to a paid account even though the negative actions occurred more than seven years from the most recent credit report received on XXXX/XXXX/2017. Their insistence that it is up to the credit reporting agencies to correct these errors is somewhat accurate but XXXX XXXX continues to modify the comments section to include statements referring to adverse items that are more than 7 years old and as such are in violation of the FCRA. I have sent correspondence to Ford that included the following documents : 1. A letter requesting negative items, remarks and/or comments to be removed from my credit reports as those items antedate the report by more than 7 years and as such violate my rights under the FCRA. More specifically, continued reporting of a redeemed repossession as well as a 60 day late payment. While this account did have those events, they occurred more than seven years before the report was generated on XXXX/XXXX/2017 and as such are being illegally reported and should be deleted. 
2. Copies of the relevant sections of the FCRA that specifically state that negative items that antedate the report by more than 7 years can no longer be reported. 
3. Copies of correspondence from Equifax where they state any changes to the report need to come from XXXX XXXX as they have item verified they are only reporting what Ford has asked them to report. 

I have attached the letter sent to Ford to clarify my position on this matter. 

Ford 's most recent correspondence to me simply states their unwillingness to comply with the FCRA. At this time I believe their actions to be punitive since the credit agencies have removed the negative items from the payment history reporting yet at XXXX XXXX 's request continue to include comments that speak specifically of these negative items. I was hoping it was just a misunderstanding and gave them an opportunity to do the right thing but now that they have come back to me and seem unwilling to make the proper and legal corrections which leads me to filing this complaint with the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
{$5.00} Maintenance fee was charge to my accountant monthly they said because I did no have over {$300.00} in my account this happens on the XXXX of each month. But XXXX just came in and I have more then {$300.00} and they charge me another fee. They would not remove my fee this is Bank Of America.

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 2017-07-28
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
InXX/XX/XXXX, I purchase a dental practice in Florida. As part of the venture, I signed up for a business credit card with American Express. Unfortunately, inXX/XX/XXXX, my dental practice went out of business and a settlement agreement was reach with my bank to write off the remaining loan balance, as the business was sold at a significant loss. I have made good faith efforts to resolve all credits associated with the business transactions. In XX/XX/XXXX, I made a payment to American Express in the amount of {$5000.00} to resolve the business debt. My complaint against American Express is that the company has imposed an exorbitant and unreasonable of fees and interest onto my account. These amounts should be considered usury and should be investigated by all related regulatory, governing bodies. In XXXX, I was charged over {$2000.00} in interest and fees. In an economy where the average consumers yields 2 % -3 % on saving and investments, it should be considered illegal, usury, for companies to exploit consumers exponentially beyond those rates. Moreover, when I signed up with American Express, the alluring introductory rate was nowhere as high as the rates that have been imposed on my account. Furthermore, I request that your office look into these practices. My case is not an isolated incident. Online consumer boards are filled with similar complaints against this company. ( e.g. XXXX XXXX XXXX  ). Perhaps the company should be audited for the sake of transparency and public policy. This behavior should not be continually endorsed and permitted. I have expressed my concern to American Express, and have gotten no resolution, instead, the interest and fees continue to increase and to compound. American Express has been unwilling to resolve this issue equitably and ethically.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: WELLS FARGO & COMPANY
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 status incorrect

Complaint:
Dealt with XXXX after paying without any late payments for years negotiating a payoff amount of {$9100.00}. There was a discrepancy amount not negotiated for repayment and XXXX reported my account as a charge off dropping my credit rating over XXXX points ( XXXX ). After reviewing my account XXXX sent apology letter for mistake and reported car paid in full rendering only a partial replacement ( less than half ) of the credit rating points taken away for their mistake. Fast forward to XXXX XXXX XXXX I get a notice from credit karma indicating a credit score drop of XXXX points with XXXX and XXXX XXXX due to remarks made by XXXX before removing the account completely from my file. This is double jeopardy! I am losing more points in addition to the ones originally lost because of their mistake. I did call XXXX and spoke with XXXX who filed a complaint for me. I need to recoup all of my stolen points because I pay all of my bills on time and I am trying to buy a home. XXXX fell to XXXX from XXXX and XXXX XXXX from XXXX! Can you also help me to get all of my points back that I have worked years to build? 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 non-monetary relief
Consumer complaint received 2018-01-06
Company: Experian Information Solutions Inc.
State: PA
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:
Wrote Experian a letter, and mailed it on XXXX XXXX, and advised Experian that I am a victim of XXXX & Experian security breach. Advised, Experian to delete the following inquiries that are an result of the breach. Have not received any correspondence from Experian. The following inquiries are part of the breach, which I requested deleted are : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: Bridgecrest Acceptance Corporation
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XX/XX/2020 I financed a XXXX car through Bridgecrest. Once the financing was approved and completed and the car was delivered and I was able to set up and log in to the site to schedule my first Bridgecrest payment. It was only then that I discovered that there was no information about my loan on the site other than the amount of money I paid and the date it was withdrawn from my account. There was no a ) current balance b ) interest rate c ) applied principal v. interest d ) fees, tax, other misc. charge info XXXX ) proof of GAP coverage financed, etc. 
Again, the only information available was the amount of payment and the dates I've paid them. I have never seen anything like this from a loan company before so I reached out to find out where I could retrieve this information each month when I make my payment. Unfortunately, so far, I have never been given any alternative options to learn what happens to the payments I am making, how they are applied, or what they are applied to. Instead I am confronted with more questions. 
Isn't transparency and full disclosure required by financial institutions in the U.S.? 
My hope is to compel Bridgecrest to provide all customers with consistent, complete, and reliable information on the status of each loan to every customer. If this is not already a legal requirement by all financial institutions it certainly should be.

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 2018-01-09
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX my friend had attempted to send {$1600.00} to my Coinbase account from XXXX Bank in XXXX. Because the name on the bank account and my Coinbase account did n't match, the wire was reversed. That same day I received an email from Coinbase notifying me of this issue and informing me that the money had been sent back to XXXX XXXX. Today it is XX/XX/XXXX and the money has still not been received by XXXX XXXX. I have attempted to reach out to Coinbase regarding this issue a few times and have not received any reply.

Company response to consumer: Closed with explanation