BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-24
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Honda Financial Services called my house. 
Number that called me : XXXX Number I was told to call : ( XXXX ) XXXX Someone by the name of XXXX called me and said to call him back as this is an urgent matter. I researched the number and there were many sites saying that this was a scam, that uses Honda financial services but has no affiliation with Honda at all. I called Honda themselves and they said they have no numbers in there system with the numbers I listed. I believe this is a company trying to scam people into collecting fake auto debt and I wanted them to be looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: EQUIFAX, INC.
State: NM
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, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts and addresses from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: Experian Information Solutions Inc.
State: MD
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:
I recently sent letters over 60 days ago to Experian and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.

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 2020-08-27
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/XXXX I purchased 2 items total XXXX from XXXX XXXX. A few days later I was told I couldn't get one of the items because it had been discontinued.I was informed I was getting a refunded XXXX. They told me it would go back on the card. It showing that I was issued a refunded however, the credit card company is charging me for interest and promotional purchases fees that's was not explained to me when they changed over from XXXX XXXX to Synchrony XXXX. I  made a purchased that was not on a promotional sale but I am being charged for the promotional fees and interest on that purchased that I got a refund for. The credit card company is charging interest on XXXX when the purchase was only XXXX and they are charging me fees for a promotional charge that when i purchased the item it was the original price no promotional price was given, actually the salesman said it wasn't on a promotional. I have called them and they told me nothing could be done. I have never miss a 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 monetary relief
Consumer complaint received 2021-02-09
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days 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 hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XX/XX/XXXX the student loan was taken out for XXXX   school with my now deceased uncle was the main borrower/ co-signer. The loan was predatory with in-fluctuation in interest rate. President Obama and congress set up actions against the predatory student loans companies. I was not able to finish school and therefore it became into repayment. I asked for deferment or assistance. XXXXRBS Citizen Bank handled the the loan initially, they were unforgiving and I was asked to pay over {$500.00} a month. I was not able to afford and loan went into default and then charge-off status. I recently received a letter on XX/XX/XXXX in regards to attempt to collect over {$40000.00} with interest capitalization. Please assist with getting Citizens Bank to stop the attempt collect on student loan that I am not able to pay and my late uncle is no longer here to help. I received notification that Citizens Bank has filed to sue in my State. This loan is over 13 yrs old. I had not finished my XXXX degree. This is ridiculous and unfair. I have not received any notifications or letters from Citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: CONTRACT CALLERS INC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a letter from XXXX advising of debt without providing proof of debt being owed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2017 is my last correspondence with your company. I wrote to you to inform you about several incorrect and outdated information being reported on my credit file. You did nothing. The incorrect pieces of information are still in my file. There even accounts that Had been removed by other bureaus ( XXXX XXXX and XXXX XXXX ) and you refused to remove. This I think is a violation of the FCRA. Furthermore, I have requested investigation but for some reasons, the incorrect account opened to date, balance 's, inaccurate payment history has not been fixed. I am writing another letter to letter to you. I will be giving you 30 days to fix this mess.

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 2022-08-06
Company: FC HoldCo LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Flagship financial has been harassing me. They call literally everyday XXXX times a day telling me I owe money on a car that I traded in. When I traded my car in at XXXX XXXX XXXX XXXX XXXX I was told it would be paid off. I haven't been in possession of the car since. I've talked to XXXX different people and explained this to them all. I've communicated this through email as well. I am tired of being harrased. They are calling me and my wife who has nothing to do with the car or the loan. I was under the assumption that only I ( the borrower ) could be contacted about a debt owed. Through XXXX XXXX XXXX yall already have possession of the car.

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 2020-08-27
Company: CITIBANK, N.A.
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: Other problem

Complaint:
Hello, I am considering taking legal action against Citi due to not allowing me to review fraudulent purchases, routing calls to a center that does nothing to assist, and ruining my credit history. 

I forgot my password to their online app in late XXXX. This triggered my account being totally blocked. When I called they informed me that my account was on a top level fraud alert. I had never received a notice about this and they were unable to tell me if it was simply related to my forgotten password or if I had been the victim of fraud. They informed me on XX/XX/XXXX that they were sending a letter to arrive within 3-7 days to confirm my identity. I informed them I was moving in XXXX and also that I did not want to miss my payment due date as I have never made a late payment in my life. 

I called back numerous times that week and the next when the letter did not arrive. They assured me to keep waiting. They said I could not pay the balance, tell me what it was, or close the account. I offered to send photos of all government ID, myself holding these documents, and me holding the card. I was desperate to avoid making a late payment. 

Meanwhile I received many pieces of promotional material about my card in the mail. I also continue to receive emails. 

Every time I call they say there is some difficulty hearing me and I am doubtful that this number is even a Citibank number despite it appearing on my card. Nobody has any clue what they are doing or can advise me. 

I asked a representative two weeks ago to send another verification letter. This one has also not arrived and my payment is now late. I am receiving constant emails asking for payment but since my account is locked and they will not accept a phone payment I can not make one. I  also have no idea if there are fraudulent charges on the account or if someone has changed the address on the account. They can not tell me where they sent these letters. 

I did move as planned and my mom is checking the mail every day but I have no faith any of these letters will arrive. My credit score will be ruined through absolutely no fault of my own. I want Citi to tell me how else I can verify my account, accept my payment and waive all late fees. I have spent hours on the phone with these jokers and there is no resolution in sight.

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 2021-02-09
Company: JPMORGAN CHASE & CO.
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 are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. JPMCB CARD Inquired on XX/XX/2020, XXXX XXXX Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian enrolled me in a credit monitoring service without my knowledge after I froze my credit. No notification was sent to me and no resolution has happened after multiple attempts to get them to cancel.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There are two debts purchased by XXXX XXXX XXXX in which XXXX XXXX is listed as the original creditor. 

I am disputing both of these debts and I claim I have no responsibility for them. I have previously disputed these debits asking for information to validate these debits.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: American Coradius International LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Got a letter from American Coradius International LLC stating I owed XXXX XXXX {$100.00} and would take partial payment of XXXX. I called and spoke to XXXX  and spoke to XXXX MasterCard that has been closed. They state I dont have any outstanding account debt and this must be a scam. The account number on the letter is not my account # with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Bank of America. I had reported and cancelled a card that was stolen XX/XX/XXXX. On XX/XX/XXXX {$4300.00} was debited unauthorized! I also have an alert to check with me for any transaction over {$500.00}. The amount was taken says XXXX XXXX. All my bills have declined in lumpy electric, Im out of state my account can not use my card at all. My family back in Maryland can not get food. This has left us helpless. I escalated the investigation of the fraud by getting a letter from the general manager at merchant stating DID NOT do this. This was faxed XX/XX/XXXX. This has been over a week and my account has not been corrected. B or A explained to me this can take up to 45 days! This is very unacceptable. This was FRAUD, I did not authorized this, and I was not even alerted over {$500.00} was being taken. This has made life extremely difficult for me and my family. As of this date Im out of state and not sure how to pay for anything BECUASE the account is not being allowed to be used. Any real transaction is being declined. Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-09
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I theTHE ORIGINAL CREDITOR and FEDERALLY PROTECTED CONSUMER recently reviewed my credit file and noticed an inaccurate and unverfied account being placed on my account negatively and reporting to the three credit bureaus. 
This is a violation per the FTC 15 USC 1692 g invalidated debt.. and 15 USC 1692 f ( 1 ) furnishing my Consumer Information without my consent. 
Living funding is a third-party debt collector ... I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX ) I presume that no proof alleged debt, therefore any such debt in fact exist. 

Take note : This account has been disputed and deleted. This is evidence that the account is inaccurate and indeed not belonging to myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX has violated my rights under federal law by reporting a collection account on my credit report without first supplying a 30 day notice of my right to dispute. This is a direct violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Dear CFPB, My name is XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, FL XXXX cell : XXXX I would like to complain about Coinbase ; a company registered with XXXX. 

Coinbase , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I was contacted by XXXX who offered an attractive investment and claimed that my funds would be deposited into an investment account in my name, I did not receive a real investment account and I now understand that XXXX is not regulated in the United States where I reside. I now understand that XXXX  does not have the ability to provide segregated accounts for investment purposes. I had opened an account with Coinbase to purchase and hold my cryptocurrencies. While Coinbase accepted my deposits, they completed transactions with a company called XXXX. This company took my cryptocurrencies and disappeared. I have attempted to contact both XXXX, Coinbase, as well as : Legal Department / Complaint Department Date : XXXX Coinbase XXXX, XXXX / XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. 
mailto : XXXX All attempts to communicate with these entities are ignored or denied accountability. The institution ( s ) has been silent on the issues raised in the letter and refuses to respond after several attempts of communication. 

I would like to have my deposits returned to me. 

Attached, you will find a copy of my deposits and transactions, along with the account numbers ( wallet numbers ) involved in the scam. 

It is my hope that you can assist me in recovering my stolen funds. Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: First Reliance Holdings LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
First Reliance called my mother-in-laws house and left a message saying to reference docket number XXXX in regards to a debt that I owed. The message went on to say that this was being " filed '' in court and they haven't been able to find me at my place of business so I needed to call. I know this is a scam because I have no written proof from this company that it is indeed a true debt. I call and ask for the address of the company. The man immediately got hostile and raised his voice at me asking me why I needed the address. I then went on to tell him that I was reporting him to the cfpb for false debt collection practices. He started screaming at me and then hung up on me.

Company response to consumer: Untimely response
Consumer complaint received 2021-02-09
Company: HYUNDAI CAPITAL AMERICA
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  is reporting a late charge off in the amount of {$280.00} from 2018 on my credit report. 
It shows as a negative item and it has affected my ability to refinance my house. 

I have contacted XXXX, the car dealership I leased my car and the financial company that reported me, and they both didn't fix the issue. 

I NEVER PAID LATE, I want PROOF from XXXX  and/or the financial company that I was late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: I.C. System, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IC Systems ( XXXX XXXX XXXX ) has called my home phone number multiple times since XX/XX/2017 looking for an " XXXX XXXX XXXX XXXX '', a person who does not live at this home. Has demanded multiple times confirmation of this address, as well as previous addresses.

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 2018-04-01
Company: Experian Information Solutions Inc.
State: NY
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:
Upon reviewing my credit report i have noticed several items that are not mine. I have submitted to the credit bureaus to validate this information and i have also contacted the companies in question. They have yet to remove the inaccurate accounts and need to remove immediately. 
I have also research the laws and FCRA to find that the only negative information listed must comply and these accounts have not complied due to the following : 1. I have not entered any contract or agreement with this companies. Accounts can only originate from a contract or agreement. I have no signed agreement or ink signature of any. 
2. FCRA requires notification prior to submitting any negative information. I have not received any such. 

Remove the following : 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX / Child Support ( multiple listings ).

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 2021-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Filed a dispute in regards to the incorrect items on my credit report and it has been over 30days and i have not received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: NCB Management Services Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated phone calls, harassing and threatening language. They call from multiple numbers after I tell them not to call anymore and they call before XXXX and after XXXX.

Company response to consumer: Closed with explanation