BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-18
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I filed bankruptcy on XXXX and did not include this card in the list of creditors since it is a secured card. I paid the entire balance last week to a XXXX balance thinking I could use it this week for gas and groceries. Unbeknownst to me, Citi closed the card after my payment went through. Citi now has my {$200.00} security deposit and my card is at a XXXX balance with funds that already posted to my checking account and has been taken from my balance. Im left with no money for this week and no warning. If I had known this would happen, I would have waited to make that payment since it was not due yet or I would have paid less so I would have money to live on this week. This is not fair. With a secured card such as this, they should not be able to close the account like that as its basically like you have a savings account because its guaranteed funds. I would never have imagined this would happen.

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 2018-06-27
Company: MIDFIRST BANK
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hi, I have a checking account with MIdfirst Bank, this bank have debited my account without my permission and stole {$60.00} from my money. I have contacted them and they claimed that the money was in collection of my daughter 's account XXXX, who is disputing a transaction as fraudulent and un authorized and the dispute is still being investigated by Visa. They have closed my daughter 's account ( which I'm not part of it ) and charged my account for the disputed amount. This is plain theft and fraud. 

Regards, 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 2018-06-20
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
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 a loan with TOYOTA MOTOR CREDIT CO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and TOYOTA MOTOR CREDIT CO with no successful resolution. XXXX was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX  are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: Fairway Collections, LLC
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:
After requesting " proof of contract '' from collection agency " FAIRWAY COLLECTIONS '' on XX/XX/2017, I have not received a response. Lack of response to my request thus constituted a tactic agreement that FAIRWAY COLLECTIONS is not entitled to enforce a collections claim against me, due to FAIRWAY COLLECTIONS inability to provide proof of contract. 
Despite this fact, FAIRWAY COLLECTIONS continues to report a collection claim against me to the credit reporting bureaus, thus causing damage to my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: Experian Information Solutions Inc.
State: FL
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:
To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests.

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 2018-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
XX/XX/2018 Bank of America. I have 2 accounts with this Financial institution. I have a contract for construction and to securely pay a vendor per our contract agreement. I chose to pay this through online email XXXX money transfer as a secure way to log and track all payments for legal contractual purposes. I understand the maximum daily transfer is {$2500.00}. I chose to break the payment up into 2 payment. XX/XX/18 {$2500.00} XX/XX/18 {$1500.00} XXXX this payment has been put on hold and a fraud alert has been placed on my account ) I called to verify payment and was not allowed confirm the payment requested. 
This is the 2nd issue with this institution in a week, first with Bill pay services that has caused me a {$45.00} NSF fee and a potential warrant for lack of payment to Superior Court and now a payment. Now, This has caused me to potential breach a construction contract for payment. I requested an investigation into this institution and business practices. 
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 2020-11-05
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Regarding about previous complaint and response from mortgage company. We did not agree because we live in XXXX XXXX County and our house locate in XXXX XXXX County. However, mortgage company pay the property tax to different county which is XXXX XXXX County, they have serious violate rule and regulation to identity APN number and correct county for borrower. At fault, they have to demand the money back from XXXX XXXX county and return to us. We dont have any house or owe the XXXX XXXX County balance. We did not agree with their response

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I went to buy a car and was told by the dealer i had been denied a loan because i had 2 collection accounts on my credit report. I obtained the credit reports and it said I owe {$190.00} to Caine & weiner co and originated with XXXX XXXX. Everyone who has owned a car knows you can not run a bill with insurance. If you do not pay by your due date your policy is cancelled and if you have an accident and attempt to make a claim it will be denied. So the premise under which i supposedly owe this debt is entirely fraudulent. I believe XXXX XXXX has committed fraud by selling this fraudulent debt to Caine & Weiner Co which is attempting to collect it from me. This fraudulent debt has caused my credit rating to go down by as much as 200 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
My issue is with XXXX. I set up an account and I want to cancel it and get my money refunded. XXXX said there were issues with my bank account when there were not. I tried entering new banking information and it would not take. Since then I changed my phone number and have been unable to log into my account because of their verification process. Every time I have called XXXX to complain they said they were aware of it and wait for my turn. I will know when its my turn when I get an email from XXXX telling me its my turn. Never got this email and it has been months. Every time I call I am told this same thing. It was only {$32.00} but now its the principle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: AES/PHEAA
State: RI
Product: Student loan
Sub-product: Federal student loan servicing
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 see multiple 120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My mortgage company Nationstar ( Also known as Mr. Cooper ) settled with CFPB for around {$91.00} XXXX dollars this past XXXX, 2020 to resolve wrongdoing mortgage complaints against them. To date, I have not received any letters or notifications from them about the settlement even though I have written letters of complaints about them and to them in the past about unexplained and unverified penalties they have placed on my mortgage loan that I am still paying for due to their accusations of non-payment when my loan was serviced by Aurora Loan Services before they went under.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: Experian Information Solutions Inc.
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:
I have sent a letter in 4 months ago on XX/XX/2018 and I havent received any response through mail nor email. I take it that there isnt any original contract documents on me for the credit card account with XXXX XXXX with an outstanding amount of {$1800.00} and the inquiries listed on XXXX, Experian, XXXX. I have never given anyone any consent to inquiry inquiries on my credit file and this seems to be fraudulent and erroneous. I have attached a letter that I would love for you to carefully read. This is my third attempt since last year and this year combined. I hope we come to a resolution and your company completes an internal investigation on the account and inquiries because this seems like its becoming a problem and no one in the department is dealing with this situation or taking this matter serious. I repeat, please dont send me any XXXX XXXX messages stating that the inquiries are factual records nor is the account because I dont have a clue of who they belong to and I have contacted the creditors and havent gotten a response back. Its been more than 30 days for this matter. If this matter isnt resolve by Friday Im seeking legal actions against XXXX, Experian, 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 2018-02-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am deeply upset that Equifax continues to repeatedly violate my consumer rights. I am writing in response to XX/XX/2017 dispute results, for the second time same issue. BK # XXXX from was removed from my Equifax credit report and later reinserted without notifying me " XXXX XXXX ''. Said act is a violation of my consumer rights according to section 611 ( a ) ( 5 ) ( B ). Which applies to situations where the information was previously deleted/removed based, on a finding in a dispute that the information was inaccurate, incomplete or could not be verified. Based on this violation, I am requesting/demanding BK # XXXX be permanently deleted once again. If this matter is not deleted immediately, I will pursue legal action based on the facts my consumer rights are repeatedly violated by Equifax. Due to this inaccuracy being reported my family and I are being affected. I am on anxiety medications from the stress of repeated calls, writing letters, filing complaints to all 3 major credit bureaus getting ridiculous interest rates while applying for home and car loans. 

Equifax continues to report a fraudulent addresses of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Georgia XXXX and XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX. This address has " NO '' affiliation to me or any relative of mine, therefore any mail/utility bills of any kind using my name, SS # and DOB is fraudulent. I am demanding this address be updated and deleted permanently. I have previously attached bank statements, utility bill and photo ID.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-19
Company: Trident Asset Management, L.L.C.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company I am having an endless problem with is Trident asset management, For years i have been trying to resolve this account and trident has stated that they were the only organization with the authority to remove a disputed debt, they withheld the fact that cfpb exists to help frustrated consumers and when I confronted a trident rep about this fact, they hung the phone up. -- -- The amount trident claims I owe is XXXX, which is completely incorrect. -- - The documentation sent to me regarding this debit is void of any detailed information and is inaccurate. The invoice starts with an amount of XXXX on XX/XX/2013 for previous charges, I have requested numerous times for a detailed account of what the previous charges are specifically for and trident has refused to disclose the information which appears they have no such information. -- -- The other charges on the invoice is for a reconnect charge on XX/XX/2013 for XXXX, my service was never disconnected nor reconnected. There is then an additional charge for XX/XX/XXXX to XX/XX/XXXX for a full months service at XXXX then another additional charge for XXXX for XX/XX/XXXX to XX/XX/XXXX again. -- - Then there is an additional charge of XXXX for an early termination fee, at no time was service ever terminated early, the residence which service was provided at, I had moved from and called to disconnect service. The information supplied gives no clear indication of what the debt is specifically for and is charging for services and issues that were never incurred. When I closed the account with XXXX they stated the account was closed and there were no issues, then somehow one year afterwards I started receiving this invalid debt collection from Trident and they have not supplied any substantive information to date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: EQUIFAX, INC.
State: KY
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:
The account XXXX XXXX XXXX XXXX was never past due, i never made a late payment to this company ever please change this, i have a good relationship with this company.. I sent a letter to the credit bureaus but they refused to reverse the late payment nor did they give me a reason why they wont do it..Not only that, they never gave me any proof of investigation that they have verified the account as accurate..CFPB please hear me out and correct the late payments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13
Company: EQUIFAX, 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 belongs to someone else

Complaint:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. USDA - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 12. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Approximately 8 months ago, I requested that all credit bureaus did not sell or release my credit information to credit companies in order for them to solicit my business. 
this complain has 3 parts 1 ) I am still receiving such solicited letters on the mail 2 ) my credit score went considerably down from the XXXX to XXXX after my request was done with the 3 credit agencies, this is troublesome to me, it seems if the credit agencies can not make money out of your credit report, they lower your scores, if this agency takes a look at my credit report history, it will see what I am taking about, credit companies should not be able to do what they please with the credit of citizens, I feel this is an unfair practice, credit reporting agencies have to be fair on reporting everyone 's credit. 

3 ) since I requested for my credit information not to be sold, even though I pay my credit card balances in full every month, instead of the credit agencies reporting a XXXX  carrying balance, they are reporting new transactions not paid prior to due date as a non paid balance from the previous month, this is causing damage to my finances.

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 2020-06-30
Company: DISCOVER BANK
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 belongs to someone else

Complaint:
I have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them. 


I have been the victim of fraud since XXXX and have had to combat it ever since. 
These accounts are the result of fraud, I have never opened these accounts or had any knowledge about these accounts till now. I have the police report and I have the Federal Theft Affidavit. This is getting out of hand. 

Under the FCRA 2009 ( b ) ( 3 ), these accounts are known to be fraudulent, are the result of fraud and I am now asking that you do your duty under federal law to cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: Nicholas Financial Inc.
State: MO
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:
I sent a letter to Nicholas Financial Inc. on XX/XX/2018. I received a letter from them on XX/XX/2018 stating that the unauthorized credit inquiry would not be removed. This is hampering me from getting credit.

Company response to consumer: Closed with explanation