BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-24
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I hold an XXXX XXXX credit card exclusively designated for the acquisition of XXXX XXXX flights. I have received a recent correspondence from the issuing company, notifying me of their decision to discontinue the acceptance of this credit card for flight purchases. In essence, the company has opted to cease the issuance and utilization of this credit card. 

Given this development, I kindly request a complete balance waiver for the outstanding amount on my account, along with the closure of my account, ensuring a XXXX balance. 

Thank you, 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 2018-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are multiple inquires listed on my credit report that I have no knowledge of and did not authorize. 
1. XXXX XXXX. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XX/XX/XXXX 3.XXXX XXXX XXXX XX/XX/XXXX 4.XXXX XX/XX/XXXX I disputed these inquires and was told they are a matter of fact, how can that be if I have no knowledge or did not authorize them.

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 2023-01-06
Company: Experian Information Solutions Inc.
State: MI
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-07-19
Company: Alpine Credit, Inc
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The collection agency is attempting to collect funds for services that were not rendered. I have requested that there is proof and the agency ceased to communicate with me. I have made calls and they can not prove that the services were rendered. 

They are slandering my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. I did exactly as the FCRA required me to do and first contacted Transunion about the horrible mistake. They sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letterverification. I have talked to the banks and they agreed to repair and correct the accounts. Why don't actually research my account history this time and see the errors yourselves? Please update and correct my accounts right away 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 non-monetary relief
Consumer complaint received 2019-04-15
Company: WELLS FARGO & COMPANY
State: TN
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:
Wells Fargo pulled my credit THREE times for the same credit card application. I only authorized the first hard pull and expressly declined permission for any further hard inquiries. 

On XX/XX/2018, I applied for a Wells Fargo credit card with a credit inquiry that was authorized. Wells Fargo misread my XXXX credit report and declined me for being deceased! ( XXXX has verified I was NEVER erroneously listed as deceased ). When I called Wells Fargo 's reconsideration phone line to have the error corrected, they promised the report would be reconsidered and correctly read WITHOUT a duplicate hard inquiry. This promise was not honored. Despite the fact I did NOT give permission for another inquiry, only to re-read the existing report to verify it had been misread, Wells Fargo entered a second inquiry on XX/XX/2018. I then visited a branch to have the duplicate inquiry removed, which the bankers promised to do and they called a corporate office on speaker phone and I heard them request correction. Instead, a THIRD inquiry, unauthorized, appeared on my XXXX credit report on XX/XX/2018. 

I have TWICE sent a formal letter in writing to XXXX demanding correction. The company has failed to respond.

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 2019-04-15
Company: CITIBANK, N.A.
State: WA
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:
The following charges were made on XXXX XXXX 's Citibank credit card without his permission or knowledge : XX/XX/19 {$1000.00} XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/19 {$45.00} 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 2017-08-24
Company: Experian Information Solutions Inc.
State: TX
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:
XX/XX/XXXX XXXX XXXX ran my credit twice without authorize.Would Like this to be Deleted!!!! 
XX/XX/XXXX XXXX XXXX, I had never applied for this. I believe I 'm a Victim of inquiry issue.I Would Like this to be DELETED!!!! 
XX/XX/XXXX XXXX XXXX XXXX, I never applied for this. I believe I 'm a Victim of Inquiry. I  Would Like This to be DELETED!!!! 
XX/XX/XXXX, I have never applied for this, I believe I 'm a Victim of Inquiry.I Would Like this to be Deleted!!!! 
XX/XX/XXXX, I have never applied for this, I believe I 'm a Victim of Inquiry. I Would like this to be Deleted!!!!

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 2023-09-24
Company: CREDIT ACCEPTANCE CORPORATION
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I have a truck loan through credit acceptance. I got my loan XXXX of XXXX  I pay {$850.00} a month. I have currently paid over {$11000.00} in the past 14 months. My initial loan was {$33000.00} with putting {$5000.00} cash and my trade in for {$1000.00}. My total now is {$30000.00} after paying the monthly payment for over 14 months. When I look at my transaction history I have variable interest charges. For example one month was {$900.00} another month was {$120.00}. My contract says 22 % on the truck loan. Another example is I made a monthly payment of {$850.00} at the time my total was {$30000.00} after I made the payment my new total was {$30000.00}. I have asked for a copy of my contract and have not been contacted yet. I have documents showing these variable charges. Also, I believe the company that sold me the truck had incentives from this company. They were aware of my credit score and had a certain amount of trucks for me to pick from they let me test drive the truck I bought but then told me it was a mistake after I told them I wanted it. They wanted more money than was initially discussed. I feel like I was dooped into buying a truck they knew I would never be able to pay off as long as they got their incentive.

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 2022-07-19
Company: CCS Financial Services, Inc.
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I would like to file a complaint against Credit Collections Services. They used a scare tactic to pay a debt and the representative told me that once paid, she would send a letter to the credit bureaus to have removed from reports. It has been over a year and I have yet to hav it removed. I have tried contacting Credit Collection Services numerous times about this and have been told that I was not told by one of their reps that the account would be deleted.I filed a complaint with XXXX 2 weeks ago and they still have not responded to that complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: TRUIST FINANCIAL CORPORATION
State: DC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Approximately 4 years ago, I took a personal term loan from Truist Bank. At the time the loan was originated I set up automatic debits on the account for the payments. 

Truist Bank has a policy for personal loans such that they will not process the final loan payment/payoff amount of a personal term loan because it might be a few dollars off the monthly payment amount. However, Truist does not give notice of this policy in their loan statements or otherwise, which resulted in late fees and additional interest when the final loan payment was not automatically processed on my account. 

I called and the customer service representative stated that this was supposedly disclosed XXXX years ago, but I have no memory of it. While Truist agreed to waive my late fee, I was charged additional interest on the loan and had to waste time calling in to close the account. I am complaining because : 1. it is likely I am not the only consumer that may forget that they have to call in and make the final payment, 2. I have never encountered this policy with other providers ( XXXX XXXX just processes the final payment ), 3. Consumers are being harmed by this policy through avoidable interest charges, late fees, and, if the customer doesnt call in soon enough, damage to their credit.

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 2023-09-24
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I had received a letter from XXXX XXXX and have been trying to contact them for a month now via email, phone and mail and request this information every attempt of contact, they have not gotten back to me but according to my mother call her excessively and disclosed information, Im not sure if that is true or not but what I do know to be true is I have been trying to come to an agreement and they are refusing. I understand XXXX XXXX is a receivership company meaning after failure for people to comply they can freeze bank accounts, however I have been trying to comply.

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 2022-07-19
Company: ERC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and must continuously monitor my credit as there continues to be fraudulent accounts on my credit file. The fraudulent items are 2 XXXX accounts, XXXX BankXXXX XXXX account, XXXX XXXX XXXX  and 2 Enhanced Recovery accounts. These accounts were not authorized by me and are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern, I have been harassed by U.S. Bank or rather the U.S. Bank National Association since XXXX. After the market crash in XXXX, U.S. Bank became the Indenture Trustee of a student loan asset-backed security fund administered by the former XXXX XXXX XXXX. I obtained a prospectus from XXXX XXXX which confirms that U.S. Bank was the Indenture Trustee. Several years later, I was sued by this fund despite the fact that there was no letter of true sale or proof of true sale vis -- vis GAAP protocol. To use more candid wording, they sued me without proof that I even owed them any money. I have a deposition wherein this fraud is admitted. After years of emotional distress due to this unlawful lawsuit, I was forced to get 2 years of XXXX XXXX for XXXX and XXXX XXXX. In order to pay for this XXXX, I had to cash out an IRA that was managed by none other than U.S. Bank, the very organization that was suing me as Indenture Trustee. U.S. Bank delayed my check so long from my liquidated IRA that I had to delay my XXXX, remaining in XXXX all the while. Now, as a caregiver for my XXXX veteran grandfather over on XXXX XXXX, the only bank that is available is none other than U.S. Bank once again. In the last month, my U.S. Bank account has been hacked and I was urged to apply for a secured credit card for which I was promptly rejected. Prior to applying for this credit card, I was urged to do a money order for {$300.00}. I have yet to receive the {$300.00} back despite being rejected for the secured credit card. I am seeking full restitution for all the harm U.S. Bank has caused me over the past decade. Over the past decade, this bank has defrauded me via a lawsuit, delayed receipt of my IRA liquidation check so that I had to remain in XXXX, and now allowed me to get hacked and solicited me on a credit card for which I was ineligible. I plead for you to regulate this bank in order to stop its functionaries from destroying people 's lives as it has destroyed mine. 

Thank you for your assistance, 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 2023-09-24
Company: Javitch, Block & Rathbone LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I had received a letter from javitch block and have been trying to contact them for a month now via email, phone and mail and request this information every attempt of contact, they have not gotten back to me but according to my mother call her excessively and disclosed information, Im not sure if that is true or not but what I do know to be true is I have been trying to come to an agreement and they are refusing. I understand javitch block is a receivership company meaning after failure for people to comply they can freeze bank accounts, however I have been trying to comply.

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 2022-07-19
Company: EQUIFAX, 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:
Creditor - XXXX XXXX XXXX ( Mortgage from XXXX XXXX ) Please change Status to CLOSED PAID IN FULL. BALANCE XXXX. I was part of the governments sanctioned forbearance plan and as a XXXX  protected person I am unfairly being targeted by this additional statement by not being able to obtain housing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX my wife legitimately withdrew funds at an ATM in XXXX XXXX for an amount of {$400.00} plus {$3.00} atm fee. She was there for several more days and did not make any more withdrawals at any ATM machines and had her card with her the entire time, never lost it or loaned it to anyone. Two days later when checking the account, I noticed that another ATM withdrawal was made that same day for {$500.00} and the following day two more were made for {$500.00} and {$400.00} plus 5 small charges for {$2.00} each for balance inquiry and withdrawal fees. I contacted the bank immediately to notify them that fraudulent charges had been made on the account, so they proceeded to cancel the card and issue her a new one and opened an investigation on the charges. They did refund the money temporarily while the investigation took place. On XX/XX/XXXX they sent me a notice saying the claim was closed and could not be refunded because they deemed that the card was used by her or by someone whom she authorized its use. I called and tried to get answers on how they had come to that conclusion and all they would say was the chip had been read and the correct PIN had been used. I told them that it sounded to me like someone had cloned her card. I asked them to get the video or pictures of the person who made those transactions to prove it was not her. All they did was reopen the investigation for several hours after which I got the same message twice denying the claim. I could not get anyone to have them review the video or pics from the ATM. The only information I have is a name of a vender and a location address. the first one at XX/XX/XXXX was at XXXX XXXX XXXX XXXX XXXX. which may have been near the one she actually used at XXXX XXXX XXXX XXXX XXXX XXXX. The withdrawals and balance inquiries on XX/XX/XXXX were also made at XXXX XXXX XXXX XXXX XXXX. Also there were charges for balance inquiries when she does not need to do since she has online access to review her balance. 
This complaint is because they did not do a full and thorough investigation of the fraud and get the video pictures to prove that it was not my wife that made the withdrawals.

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 2022-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Banned for life because I deposited a check that bounced. The money was never made available in my account so I never spent any of the money and I paid fees. However I got banned for life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my reports, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX  Date Opened XXXX XXXX, XXXX Balance {$24000.00} XXXX XXXX XXXX  Date Opened XXXX XXXX, XXXX Balance {$62000.00} XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Date Opened XXXX. XXXX, XXXX Balance {$580.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
The cryptocurrency distribution company, Coinbase.com, double charged me for a single payment. I purchased a virtual currency with them on XX/XX/XXXX for {$300.00}, which worked as expected. However, I just looked to see another charge was made on XX/XX/XXXX for another {$300.00} despite me not initiating or authorizing it. There are no fees listed for using their service other than the relatively small transaction fees included in each payment. I have been trying to get a hold of them but they're support team is inadequately staffed.

Company response to consumer: Closed with explanation