BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-23
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
We bought our used XXXX XXXX in XX/XX/XXXX. The car price was {$17000.00} with an interest rate of 26.29 % making our full loan amount {$34000.00}. Weve been paying on the car since XXXX and have paid in car payments a total of {$31000.00} since XXXX. Thats not even counting the {$10.00} fees and other fees they tacked on. We recently went to trade the XXXX in thinking since our payoff date is XX/XX/XXXX that there only being 11months left on the loan that we only owed a little over {$5000.00}. When they pulled our credit Santander Consumer has only reported the car amount of {$17000.00} and that the balance was down to {$14000.00} something making it look like over 6 years me and my husband have only made little over {$2000.00} worth of payments. They are telling us the payoff for the car is almost {$15000.00} even though weve been paying for 6years and have already paid {$31000.00} of the loan. The dealership manager told us they were in violation and for us not to put anymore $ towards the car so we opted to have them come and get the vehicle And then pursue what we needed to get this fixed. But were not going to put anymore money into a loan where we were being scammed. Heres a link to some of the complaints concerning the same things that theyve done to other customers. https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I, XXXX XXXX, checked my credit report and noticed some fraudulent and inaccurate accounts and inquiries on my credit report. I reached out to the credit bureaus to remedy the situation but they would not help me to remove these fraudulent accounts.

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 2018-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I was not allowed to link my account to an online exchange. The reason I was given was that the online business was not FDIC insured. I believe it should be my choice to link my account with whoever I wish because it is my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Transunion will not give me my free annual credit score and report on-line. I stress " ON-LINE ''. Transunion tries to FORCE me to send my personal info via USPS to them. They are trying to force me to pay USPS postage and use my envelope. I will not do this because I do not want my info stolen and used for identity theft. Transunion has boiler plate Form 950 they mail to me via USPS informing me to fill it out and return it ... I say NO, I WANT MY REPORT ON-LINE, not in the USPS! 

I get my free annual report from XXXX & XXXX  on-line in minutes. Transunion is a scammer company. They have me fill out all the info on-line, submit. A pop up replies, " we 're sorry, no information exist about you ''. Yeah right, that 's why XXXX XXXX informed me that Transunion gave me a lower score then XXXX & XXXX, it is XXXX V/S XXXX. Transunion has been playing this game for years with me. It 's time Transunion is forced to follow the law and give me my FREE annual credit report on-line! 

Please, do not just tell Transunion to contact me. All they do is mail me their Form 950 Their game playing must stop! Again, please do not just contact them or I will have to contact the CFPB again and again and again. I will not stop complaining until Transunion gives me my free annual report and score electronically on-line, I will not stop complaining until they do allow me to get it on-line!

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 2018-01-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have XXXX account on my experian and XXXX credit report reporting as a charge off. both reports are showing different information. I have sent over 20 plus disputes and they have yet to still correct the issues. The Account number is XXXX # XXXX. 
On Experian is shows date of removal being XX/XX/XXXX while XXXX shows XX/XX/XXXX. XX/XX/XXXX on both shows " ND '' as no data. How can this be accurate if the data is not reporting, Experian shows No data for XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX, On XX/XX/XXXX Experian is showing No data and XXXX is reporting 30 days late, Experian high balance is {$0.00} and XXXX shows {$89000.00} and XXXX never showed the credit limit. Both Reports are show many inaccuracies which is a violation of my rights. I have submitted many disputes for correction and still have yet to see the changes. If they can not fix or correctly report i ask they please remove the accounts.

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 2022-01-11
Company: Experian Information Solutions 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:
Experians customer service department did not help remove the negative inquiries that are reporting 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 non-monetary relief
Consumer complaint received 2021-09-10
Company: EQUIFAX, INC.
State: MA
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:
XXXX and XXXX sent letter for equifax to remove these paid collections and they are still appearing on my credit report. This is hurting my credit really bad. Equifax need to remove these XXXX XXXX/ XXXX and XXXX  from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I had a new car loan with citizens one, loan number XXXX, I have paid off this loan and I have received the title of the vehicle. Citizens one has reported to the credit bureau that I still owe them {$14.00}, and they send me installment loan statements to that effect. I have spoken to them a number of times, each time they assure me that the loan will be cleared, but it never was.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: CITIBANK, N.A.
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 rewards from credit card

Complaint:
I had been using the Citi premier ( Travel card ) credit card over the years. Last year I had to relocate to XXXX for a short period and due to Covid-19 pandemic my stay in XXXX had to extend further. During this time I faced a fraudulent activity in my card, I informed the Citi about it, after their investigation the amount were successfully credited to my account. 

As the standard process they initiated the card replacement. As I was located in XXXX. they sent the card to XXXX and i was told I can continue to use the card being in XXXX. On XXXX XXXX they had closed my credit card for the reason being I'm not a resident of US which was not notified to me. They had my email address and the contact number, but they didn't communicate to me about my card closure. 

Only during the last week ( XXXX XXXX ) when I attempted to use the card for a purchase, it did not go through. When I called the customer service, I was told that my card was closed long time back and a communication was sent to my XXXX address. I told them I did not receive any such communication and also asked for a tracking number to for the letter they mailed. They did not provide anything. I was unsuccessful in re-activating my card. 

Over the years I accumulated the thank you points from my credit card and was planning to redeem it for a air ticket. when I asked for a cash back from the thank you points ( XXXX points equivalent to {$760.00} ) i was told that it got expired as I did not claim it within 60 days from the card closure. I had a long debate with the customer service that the card had been closed without my consent and there was no communication to me. They were not ready to listen and were so rude that they can not help me. 

I accumulated those points over the years from the hard earned money and was also paying the interest to the credit card for the charges. I'm so fooled and cheated by the credit card company. I felt so harassed. 

Request your intervention in redeeming my thankyou points.

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 2019-04-08
Company: Experian Information Solutions Inc.
State: GA
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 have requested that my personal statement be updated. The current statement is not accurate and references a telephone number which does not belong to me. I am asking that the statment below be listed, solely on my report. I am asking that this statement be listed as the prominent statement and not suboordiate to a statement by the credit reporting agencies. 

My ID was stolen, in two security breaches. Found on the dark web, my XXXX & XXXX cards were used without authority. XXXX & XXXX were notified, provided law enforcement reports obtained. I disputed the accuracy & completeness of XXXX & XXXX adverse information reported to the three credit reporting agencies. Each agency provided notice to XXXX & XXXX, as adverse information furnisher. XXXX & XXXX failed to, conduct a reasonable investigation of each dispute ; review all relevant information ; modify, delete, or permanently block the 5 items listed as adverse 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 2019-04-08
Company: Kimball, Tirey & St. John LLP
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have contacted Kimball & Tirey twice over the course of a week. The first time being on XXXX and the second time being on XXXX, both times I spoke to a manager whom I do not know the name of. This individual will get on the phone does not even identify who they are, and every time I have the displeasing pleasure of speaking to this person it is everything but professional. I call inquiring about my balance, asking for a breakdown instead of directly answering the questions she condescendingly responds and does not answer any question. This manager told me that I needed to submit in writing a request to receive my account breakdown, which I did not do because I located my disposition from the property which shows all the amounts included. I am trying to get this file closed, however this individual clearly lacks the basic fundamental problem solving skills you would think a highly skilled lawyer would exhibit. I can not get anything addressed, and for all I know the amount being reflected is not even accurate. I should be able to call and receive the proper breakdown for each amount that I allegedly owe, which I clearly can not. It is unethical to represent a company, and purport that I owe an amount and then when I make contact to rectify the issue I can not because of the incompetency of this individual representing this establishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been in dispute with XXXX XXXX for a while now and also have informed them in prior disputes, identity theft reports and etc. That I have been a victim of fraud, my information was compromised and also my email address, old passwords and info of my employer was exposed on the dark web and also found in data breaches. A lot of emails that was sent by XXXX XXXX I did not received. All disputed items, interest charges and late fees were not done by me. A new card was sent on several occasions, disputes were reported to the XXXX XXXX Fraud Department. XXXX XXXX has also listed me in the XXXX XXXX  under suspicious account activity and etc. I was not aware of this until I added another security alert on credit report and also requested a copy of my check system report. This is really damaging my credit file and also being able to open a bank account do to fraud. I am not responsible for for these charges. This account needs to be deleted and also false information in the XXXX XXXX. I will never do business with XXXX XXXX or advise anyone to do so. No police report was found as I wasnt aware at that time and when I discovered this matter, I immediately reported it to XXXX XXXX. I even received on email that asked me to verify my bank account information and from what I was told my information and card was copied by a scammer and used many places. Because I was responsible for these charges after reporting it. I didnt pay it or felt I should be responsible. So late charges and interest charges accumulated. Attached are document proving I have been on the dark web and my information was compromised.

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 2020-07-10
Company: ENCORE CAPITAL GROUP INC.
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The following accounts are an result of fraud. I have no knowledge of these accounts. 
XX/XX/2020 Midland Funding Original creditor XXXX XXXX XXXX  {$710.00} XX/XX/2020 XXXX XXXX XXXX  XXXX creditor XXXX  XXXX  XX/XX/2020 {$330.00} XXXX XX/XX/2020 XXXX XXXX XXXX  XXXX {$1400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-13
Company: Experian Information Solutions Inc.
State: NJ
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:
Regarding accts: XXXX, XXXX, XXXX, XXXX

I'm finding this absolutely impossible to deal with Experian and their investigation into my disputes. I received a response stating that they investigated my claim and that the "data furnisher verified" this. I'm going to point out the specific laws that protect me against this abuse from the CRA's and that Congressional opinion clearly states that the statutes do not allow for the CRA's to merely parrot what they're being told! 

How were my disputes handled? 
How were my accounts verified? 
How was an independent investigation done? 
Where's the documentation that verifies this is reporting accurately? 
Why do they think that it's ok to violate my rights?
Why isn't anyone holding them accountable? Are you supposed to? 

Direct text from XXXX V XXXX XX/XX/XXXX:
"A consumer alleging that no reasonable investigation has taken place has a separate claim pursuant ot 1681(a)": 
No investigation was done at all. No reinvestigation was done at all. No independent investigation was done at all. If that were so, they'd have documentation to back this up instead of just telling me to go away because they don't feel like doing their job! 

Regarding the language in 1681(i)a, "the statute places the burden of investigation squarely on the credit reporting agency". 
This means that it's THEIR responsibility to determine the accuracy of the negative item that was disputed. They must perform their OWN investigation. If I took them to court, they'd need to prove to said court that an investigation even took place, a reinvestigation took place, an independent investigation took place and that they had the paperwork physically in their hands to make this determination. 

"We also agree....that the plain language of the statute places the burden of reinvestigation on the credit reporting agencies" and that they "bear grave responsibility" to ensure the accuracy of the information... The grave responsibility emposed by 1681(i)a must consist of something more than merely parroting information received from the other sources. Therefore, the "reinvestigation" that merely shifts the burden back to the consumer and credit grantor cannot fulfill the obligations contemplated by this statute".

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 2018-01-11
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, I initiated a wire transfer from my Coinbase account to my bank account in the amount of {$17000.00}. I had successfully completed similar Coinbase wire transfers between these exact accounts previously. Coinbase removed the funds from my Coinbase account and provided the following message : " On XX/XX/XXXX at XXXX PST, you initiated a withdrawal of {$17000.00} ( + {$25.00} banking fee ) from your USD Wallet. 

{$17000.00} will arrive in your bank account by XX/XX/XXXX. 

Withdrawal reference : XXXX '' It is XX/XX/XXXX and the funds have not arrived in my bank account. I contacted Coinbase support several times via email, and have not received a response. 

It seems likely that Coinbase has stolen my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
XXXX - XXXX. 

I sent {$180.00} and paid {$15.00} for a one business day and the money wasnt delivered as promised and it did not get to the receiver until today.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have not used this card in over two years and do not recall receiving any paper bills. They say I owe them a {$99.00} membership fee, but I didn't even realize I still had an open account with Citi. I never sign up for paperless billing with any financial institution for this very reason. I get over 100 emails daily and if I don't recognize the sender it gets deleted. Citi needs to provide proof that I knowingly enrolled in paperless billing. Otherwise, had I been aware of the {$99.00} membership fee sooner I would have canceled my account immediately which I did once the only email I recall receiving from them saying I had a past due payment due. It's ludicrous that financial institutions find clever ways to trick customers into paperless billing so they can milk more money out of every one. I've spoken with many so-called customer service reps, supervisor 's and escalation specialists at Citi. In my opinion, Citi has the absolute WORST customer service of any financial institution I've ever dealt with. I will avoid doing business with Citi at all costs in the future.

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 2019-07-23
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In the attempt to make a payment on the due date, it processed the next business day leading to a late fee for an account that I made full payment. In addition to the late fee I received finance fees for an account that should be interest free based on the amount of the purchase ( promo ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
PLEASE REMOVE ANY AND ALL FRUAD ALERTS and Freezes FROM MY CREDIT FILE IMMEDIATELY.

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 2022-01-11
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have a Chase Freedom Flex credit card. Chase advertised on the application page and benefits guide that the card has Cell Phone Protection, which is an insurance that covers " up to {$800.00} per claim and {$1000.00} per year in cell phone protection against covered theft or damage. '' Recently, my phone was damaged, and I had it repaired for {$290.00}, knowing that it is covered by the insurance as I checked the benefit guide online in advance. However, when I tried to file a claim, I was told that the cell phone protection benefit had been discontinued. I contacted Chase, but after several rounds of phone calls with the Customer Services and Benefit Administrator, the issue could not be resolved.

Company response to consumer: Closed with explanation