BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-17
Company: BANK OF THE WEST
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
The bank of the West in XXXX Iowa notified us by writing that they were closing our account. XXXX XXXX XXXX is the one that sent the letter. My husband went in and talked to XXXX and told him that XXXX one of  the tellers was supposed to take off our overdraft and apparently never did it. He told my husband that they would wave the overdraft fees if we put in {$250.00} which we did on XX/XX/XXXX. Then they proceeded to take us to collections through The Best Service Company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-16
Company: Yamaha Motor Finance Corporation USA
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent the credit Bureaus letter asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit report are still showing inaccuracies. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
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: Their investigation did not fix an error on your report

Complaint:
Hello, All three credit bureaus show late payments more than 30 days on my account from XXXX - XXXX of 2018. While my payments were later than the first of the month they were not more than 30 days. I have contacted XXXX to correct this but the credit bureaus are still reporting inaccurate information. 

I would like guidance on getting this situation rectified as it is becoming a hinderance. 

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 explanation
Consumer complaint received 2020-11-23
Company: LoanCare, LLC
State: NH
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I deposited a check for {$2100.00} ( dated for XX/XX/XXXX ) from Loancare LLC after calling their company to verify that this check was ours to cash. The specialist assured me it was after looking into my account. On XX/XX/XXXX, they put a stop payment on this check without notifying me of this development. On the same day that they had done so, I sold my car and had intended to use that balance to pay off the remainder of the auto loan to eliminate a monthly payment for a vehicle I no longer needed due to my company going mobile during the ongoing COVID-19 security measures. 

I had taken time off of work to do this and ended up having to place this charge on a credit card, which I did not want to do due to the accruing interest on such a large purchase. When I called my bank, they said there was a stop payment on the check. When I called Loancare LLC, they said they had no record of this stop payment and requested time to look into it. I followed up with them via email and on a phone call on XX/XX/XXXX, and I was informed that they would cut a new check. I received an email on XX/XX/XXXX assuring me that check was overnighted to my address. 

I called again on XX/XX/XXXX to get a tracking number for this check and never received a call back with this information. On XX/XX/XXXX, I emailed them for this tracking number as I still did not have the check in question. I received only a generic response email saying the issue was resolved. On XX/XX/XXXX, I emailed again to insist it was not resolved and demand the tracking number with the same generic response. 

This refund was originally due to a duplicated escrow deposit from when this loan was opened that should have gone to the original loan holder and instead was sent to us. Loancare LLC has not taken responsibility for the debts incurred as a result of this to date on XX/XX/XXXX. They have offered a deferment with the same empty reassurances shown in the course of this situation that can clearly be altered to suit the company 's goals at any given time, and I obviously have no faith in these " solutions ''.

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 2019-10-10
Company: Exeter Finance Corp.
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Payment was A little late Made the arrangements And they Still Call me 7 times a day from Different Area Codes Every day is Getting Me and My Wife Really upset About this i had Never seen Such thing like this ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello Parties involved is my XXXX XXXX XXXX Card- Account Number ending in XXXX which closed back on XX/XX/XXXX but I still have a owing balance of {$390.00}, The problem is 1. XXXX has my closing date recorded incorrectly showing XX/XX/XXXX, but it should be XX/XX/XXXX. { Can you please have them correct. } 2. XXXX is not reporting this account at all on my credit report. 
3. Transunion is not recording this account at all on my credit 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 2020-05-23
Company: JPMORGAN CHASE & CO.
State: MA
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 had opened up a fraudulent dispute with Chase Credit Card Services on XX/XX/XXXX for a number of transactions that I did not authorize from XX/XX/XXXX-XX/XX/XXXX and also there were some transactions dated back to XX/XX/XXXX when my card was used without my permission. My card was not in my possession from XXXX-XX/XX/XXXX and neither at the time of XXXX-XX/XX/XXXX when it was used. Chase card services took almost 2.5 months to come back with a resolution and finally when they did, they selected a few transactions and mentioned that those will not be my responsibility whereas a bunch of others would be. I contacted Chase Fraud Recovery to challenge that, since that was not right and I should not owe this amount. They went back and reinvestigated and in 2 days made the same decision. They have never provided me receipts or backups to state what made them come to the conculsion. The decision was made solely on the scenario that since the card was used locally I was responsible for those transactions. I have since then tried contacting Chase Fraud Recovery for atleast 5 days without any luck. I want to get this matter resolved but Chase is not helping me, and they sent a letter stating that was the final decision and I owed them the money as per the card agreement and since I was in disagreement they notified the reporting agencies about that for the amount I owed

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Pulled my credit report and noticed addresses and information on my report from FRAUD and ID theft that injured my credit years ago. 
I sent them letters 2 times and have made a report with CFPB and was asked to wait 60 days. The 60 days have passed and my report is still furnishing false information.

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 2020-07-07
Company: Experian Information Solutions 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: Information is missing that should be on the report

Complaint:
XXXX Dear to whom it may concern, My name is **XXXX XXXX XXXX . I am requesting investigation on these inaccurate account within 30 days according to Fair Crediting Reporting Act. 
**Name Reported** XXXX J XXXX 02 XXXX, XXXX, XXXX My correct name is XXXX XXXX XXXX . These name above are incorrect so please delete those as I have attached proofs of my identity below. 
**EMPLOYMENT INFO XXXX EMPLOYEE XXXX XXXX XXXX XXXX These employment information are not belong to me or our business. 
**Credit Cards** XXXX XXXX Reported : XX/XX/XXXX I do not have any obligation with THEM ; please delete this reference on all my credit report. 
**Credit Cards** XXXX XXXX XXXX Reported : XX/XX/XXXX How can there be {$16000.00} and {$1600.00}. Provide me full information about this account or you must delete it!!! 
**Credit Card** XXXX/XXXX XXXX XXXX Reported : XX/XX/XXXX How can there be XXXX $ monthly payment on a closed account. Delete it immediately!!! 
XXXX XXXX Reported : XX/XX/XXXX How can there be $ 163 monthly payment on a closed account. Delete it!!! 
VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report **Hard Inquiries** XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous ( XXXX ) XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _XXXX XXXX XXXX    Inquiry : XX/XX/XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _Travel/Entertainment ( XXXX ) XXXX XXXX XXXXnquiry : XX/XX/XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _Miscellaneous ( XXXX ) XXXX XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX This inquiry is unauthorized, The date furnisher has violated Metro2 Reporting Compliance by not reporting dispute status. 
_Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX This inquiry is unauthorized, The date furnisher has violated Metro2 Reporting Compliance by not reporting dispute status. 
_Finance/Personal ( XXXX ) XXXX XXXX/XXXX Inquiry : XX/XX/XXXX This inquiry is unauthorized, The date furnisher has violated Metro2 Reporting Compliance by not reporting dispute status. 
_***Finance/Personal ( XXXX ) XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION

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 2023-02-14
Company: Early Warning Services, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After review of my consumer report with Early Advantage I determined inaccurate negative data on my report containing XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX and Account # : XXXX Bank Routing # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/XXXX I received a {$100.00} visa gift card for XXXX upon opening the gift card that had no signs of being tampered with I checked the amount on the card, the balance was XXXX. I informed the company XXXX who handles theses matters for this Visa card and they informed me to submit a proof of ownership via fax. I sent the company my license, original receipt, my contact info, front and back of the card and a hand written statement. I called back a week later and they said they did not receive anything from me although my fax machine said the paperwork had been sent. So I sent it again while the representative was on the phone. She said they did not receive anything on their end and my fax machine was stating the paperwork was sent. We checked the fax numbers, which were correct. So she advised me to send the paperwork via mail. Cut to XX/XX/XXXX, I call the company and they state that they never received my information via fax or U.S. mail and I should start the process all over again. After speaking with the customer service rep I spoke with a rather rude, and unhelpful supervisor, XXXX ID XXXX. I asked whether he could stay on the phone and verify that the company had received my information if I sent it again he states that there is no way for him or anyone in the department to verify whether they had received a fax which contradicts the initial lady I spoke with and makes no sense.

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 2021-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-22
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
COINBASE ACCOUNT COMPRIMISED CASE # XXXX On Friday XX/XX/2021 my personal Coinbase account was hacked and 8 Crypto Currencies from my account. Access to my account began on this particular evening and 43 login failures were logged onto my Coinbase Account activity before Coinbase granted access on the 44 attempts at XXXX XXXX  that evening. 
Over the course of 20 minutes the hacker proceeded to drain my account of 8 Crypto Currencies valued at just over {$3.00} XXXX USD. 
Upon the time I figured out my account was hacked and property stolen I had my account locked and reported this incident to Coinbase. 
I received a couple generic replies to my 9 emails to Coinbase, I can not get anyone from the Company to discuss this terrible event with me. 
LIST OF MY CRYPTO STOLEN : 1- ETH Ethereum XXXX Coins ( Value $ XXXXUSD ) 2- BTC Bitcoin XXXX Coins ( Value {$600000.00} USD ) 3- BCH Bitcoin Cash XXXX Coins ( Value {$410000.00} USD ) 4- LINK Chain Link XXXX Coins ( Value {$140000.00} USD ) 5XXXX SNX Synthetic Network XXXX Coins ( Value {$96000.00} USD ) 6- XTZ Tezos XXXX Coins ( Value {$51000.00} USD ) 7- SUSHI Sushi Swap XXXX Coins ( Value {$24000.00} USD ) XXXX XXXX XXXX XXXX Coins ( Value {$57000.00} USD XXXX Total Value of withdrawals on XX/XX/2021 = {>= $1,000,000} It has been 26 days since my account was hacked and money stolen and still no communication with Coinbase. Today I have sent a complaint letter addressed to the CEO, XXXX XXXX and their Legal Officer, XXXX XXXX XXXX. Any assistance to help resolve this matter is greatly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: Rubin & Rothman, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I am filing a complaint against the following law firm Rubin & Rothmann , LLC for unlawful practices such as wire fraud, mail fraud, and defrauding consumers such as myself. The above law firm has filed a civil suit against me for a default judgment on an alleged debt from XXXX  XXXX XXXX. 

Rubin & Rothman , LLC purposely sent the civil suit to an address, which is not my actual domicile. They sent presentments to an investment property that I previously owned and have been sold years ago. Due to this underhanded tactic a default judgment against me from the XXXX county Courts was honored. I consequently was improperly served therefore I was unaware such civil suit existed until months later. The XXXX County Courts however continued to move forward with procedures filed by Rubin & Rothman , LLC to garnish funds from my payroll account. I was never given the opportunity to answer the Civil suit in a timely manner subsequently why I am here filing an investigation against their unlawful practices against consumers such as myself. They claimed I owe an alleged debt with no validation that such debt exist or a signed original contract with my name displayed.

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 2021-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 tried several time to have negative information verified with proper signed documentation and all time they company has failed to proved the proper documents proving debt validity, in violation of the FCRA.

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 2019-05-31
Company: DISCOVER BANK
State: DC
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:
Discover Bank Credit Card On my Discover mobile Apps XX/XX/2019 Cashback Bonus redemption - {$3.00} Internet Payment - - {$450.00} XX/XX/2019 Returned Internet Payment {$460.00} Represented Internet Payment - {$460.00} Returned Internet Payment {$460.00} Internet Payment - {$460.00} On my Account summary XX/XX/2019 - XX/XX/2019 Transactions Payments and credits Trans Date XX/XX/XXXX - {$450.00} - {$3.00} XX/XX/XXXX - {$460.00} XX/XX/XXXX {$460.00} XX/XX/XXXX - {$460.00} Please check on the discrepancies of accounting as reflected on the apps and the account summary. There is one transaction missing on the statement. There should be another entry of {$460.00} to balance the account as in the apps. Otherwise I have to pay an additional of {$460.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: CITIBANK, N.A.
State: NJ
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:
On XX/XX/2017 from CBNA repoted inquiries that I never was applying for, I want you please to remove this inquiry from my XXXX credit report And this inquiry address shows on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO 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