BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
TransUnion Credit Reporting company - signs up the user automatically for a {$20.00} per month " credit monitoring fee '' when simply visiting the site to understand the current report. 
This large company operates a very misleading and essentially fraudulent web site as it implies it is advancing to the one free credit report, but it is actually signing up the visitor for a pay as you go service. 
They did cancel the account for me after I called and spent time on the telephone, but they should not have any license to operate as they intentionally mislead the public regarding credit reports. 

I hope they are removed from any activity within the financial reporting system in our country. They are a complete 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 2021-04-29
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I Noticed incorrect information on my credit report involving Credit Acceptance. I financed a XXXX XXXXXXXX XXXX Through Credit Acceptance priced at {$8000.00}. When I attempted to pay the automobile off, I was told that I financed a XXXX  XXXX XXXX for {$13000.00} which was incorrect. Next I began to send in documents showing the car I purchased original price alone with vent number. After being ignored by Credit Acceptance and The Dealership I contacted all 3 credit bureaus and submitted a dispute containing a payment history related to my dispute. the payment history balance different from what's shown on my credit report. I was able to make progress with XXXX but not so much with XXXX and 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 2018-03-30
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: LA
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 have noticed that I have a hard credit inquire from your company on my XXXX XXXX  and XXXX XXXX  credit file datedXX/XX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX  on XX/XX/XXXX with a report number # XXXX for identity theft, Name and unit of Reporting Deputy XXXX XXXX XXXX XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter. Please contact me if you have any questions. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Made a payment with a telephone customer service rep, who could not resolve the access problem I was having with the online account. She could not understand why the online account was still locked after she made a password change. ACH payment was taken on  XX/XX/XXXX  and subsequently rejected for insufficient funds on  XX/XX/XXXX . Target did not resubmit to the bank for second attempt at payment and held the pending payment until  XX/XX/XXXX  before cancelling payment and charging account for late and returned check fees. Calls to and from Target card services, CS reps could not give any details as to what happened and why. My bank stated that ACH was submitted only once.
Apparently, this is a Target policy to collect more fees from customers by only submitting an ACH once.
 XXXX  complaint only got a response from Target that said to call   XXXX   number which can only get to a live person after about 10-15 different attempts at getting out of voice jail. Attempt to get to a supervisor was not possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: EQUIFAX, 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 AM THE VICTIM OF IDENTITY THEFT. I HAVE REPORTED IT TO THE FTC AND TO THE BUREAUS ; I HAVE SENT THE INFORMATION AT LEAST HALF A DOZEN TIMES TO THE CREDIT BUREAU BUT THEY KEEP REPORTING NEGAVTIVE INFORMATION DESPITE IT BEING ON MY LAW ENFORCEMENT RPEORT AND IGNORING THE FACT THAT I WAS AFFECTED BY THE EQUIFAX BREACH. PLEASE ASSIST ME IN CLEARING MHY GOOD NAME AND MAKING THEM ABIDE BY THE LAW!!! 

The following accounts were opened fraudulently in my name, as reported to the FTC the bureaus and the local police department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: CITIBANK, N.A.
State: CO
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:
On XX/XX/XXXX my Citibank MC was charged {$730.00} by unknown unauthorized user. This appears as BESTBUYCOMXXXX-BESTBUY MN. Citibank issued a credit of {$730.00} to offset the unauthorized charge.

XXXX   County, Colorado sheriff was able to recover the stolen goods obtained by unauthorized use of my credit card. Copy of the police report is attached. The recovered goods was returned to Best Buy on XX/XX/XXXX. Best Buy issued a refund of {$730.00} against my MC account. When I reported this to Citibank, Citibank removed Best Buy refund from my account under security write off -overrides and at the same time Citibank removed previously issued credit for unauthorized charge. Citibank is now trying to collect a duplicate payment of {$730.00} from me for the unauthorized charge which I refused to pay for the following reasons : 1. Citibank was already reimbursed for the unauthorized charge by the refund from Best Buy ( copy of the Best Buy refund receipt attached ).

2. {$730.00} is unauthorized charge which I did not approve and contractually I am not responsible for.

Meanwhile Citibank added additional interest charges for unpaid unauthorized charge of {$730.00}, resulting in balance of {$750.00} as of XX/XX/XXXX.

I contacted Citibank 4 times in XX/XX/XXXXand sent 2 letters on XX/XX/XXXX and on XX/XX/XXXX to Citibank Customer Service requesting to correct my statements. I have received no replies from Citibank.

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 2018-07-11
Company: The CMI Group, 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: Account status incorrect

Complaint:
XX/XX/XXXX, I went into a XXXX location to return some equipment and was informed of an account from a previous address that had a balance. I paid the balance in the store and was told that no negative reporting would occur as I paid them directly, and if it had been sent to collections it would be deleted. Turned out that it had already been reported to collections, so I waited. I reached back out to XXXX via chat and was told again that it would be deleted as they took the payment, I just had to call a number and tell them. I did that, and now it just reports as a paid collection on my reports, when I have proof that I was told that it would be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-29
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Unfortunately, I have had several bad experiences with Wells Fargo. After allowing multiple opportunities to correct their mistakes I have decided to forewarn everyone to move cautiously when considering a business relationship with Wells Fargo and submit a formal complaint. As a small business owner customer service drives revenue for our company. 
My initial encounter with Wells Fargo was onXX/XX/XXXX, I opened the business checking account. Everything seemed to go well until I was unable to login to the account. After several attempts to login I changed the password. Little did I know, the account was linked to someone else account. Fortunately, it was my wife but I was never joint to her account so one can only conclude that the banker responsible for establishing a new account added me to her profile without her authorization. After bringing it to their attention the manager apologized and corrected the error and convinced me that the service is great and would like an opportunity to assist me by opening a business credit card ... I obliged. 
Hindsight is 20-20 because on XX/XX/XXXX following that experience our clients were making orders and mailing checks but Wells Fargo would place a hold of 10 days on the check prior to releasing the funds ( this hindered the day-to-day operations of running the firm ). Although it seemed to correct itself, I had a recent encounter with this " glitch '' again onXX/XX/XXXX. 
My final straw was onXX/XX/XXXX without notification, the same business credit card which managed all of the rolling transactions, its credit limit was reduced by nearly 70 % then charged an over-the-limit fee. This was clearly a mistake so I went into the branch which the banker expressed that she didn't know why and contacted the business credit card department. The account was closed all occurring within 1 billing cycle. The representative apologized for the mistake and said he sent an email to the supervisor for follow up to reopen the account. After a few months of silence, XX/XX/XXXX I called customer service which then explained that its been over 90 days since the closing of the account and there's no further action that can be taken. 
In conclusion, in order to avoid loss of time, energy and resources one should consider establishing a business relationship with a financial institution that will not put your privacy, credit and finances at risk. AVOID WELLS FARGO!!

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 2019-03-13
Company: Experian Information Solutions Inc.
State: AZ
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:
I contacted XXXX by mail to inform them that my credit that I had been working on was not on my annual credit report. And these accounts are : XXXX XXXX store on XXXX XXXX ( finance by XXXX ) bought King size bedroom set. made monthly payments. Then bought queen size mattress ( 3 ) sets at XXXX XXXX store on XXXXXXXX XXXX and XXXX XXXX. Made monthly payments each month. Then, I bought a furiture set ( 2 ) cough 's and pillow 's. Made monthly payments each month. Then I bought a sectional brown in color made monthly payments each month miss some payments but, I caught up and paid it with late payment amounts. Then I bought a car XXXX XXXX 3yr payment plan paid each month until I was finish. Then, I was a co-signer for my Daughter. Who never miss a payment. Not one payment miss. STILL These Items are not showing on my report. XXXX said that they never received any thing for none of my creditors. I contacted ALL of them and ask if they sent in my report of payments. THEY ALL SAID YES WE DID. And then I ask if they could send another one ( certified copy of finish payments ) THEY ALL SAID YES. THEN I sent in copies after 30 days and still nothing. HELP!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: WELLS FARGO & COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I applied for a wells fargo secured credit card to build credit without reading all the horrible reviews on this card. 
The address in which i applied as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX on XX/XX/2017 The clerk told me if I made on time payments and paid more than my minimum I should be approved within a year or less. 
I've called for an upgrade to a credit line a few times & I am given 3 reasons which I dont agree with, 1 being other deliquent accounts which was never explained to me. My credit wasnt good to begin with which is why I went with a secured card to Build my credit. 
Ive never received any paperworks proving that there has been a deny on a credit line or reason why. 
I now have 3 other credit cards which are not secure and I dont understand why my card can not be upgraded. 
I was given false information from this branch, made on time payments, always paid more than my minimum havent went over my limit which was told I would need to do to upgrade. And now i cant upgrade because i have deliquent accounts which are unrelated to Well Fargo overall. 
This is my oldest account and it will hurt my credit to close. 
This is not right and they lied to take a deposit for an account that will stay secured forever and may never be upgraded according to the bank now.

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 2020-12-02
Company: HYUNDAI CAPITAL AMERICA
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Multiple times I have sent letters to Kia Motors Finance ( KMF ) attempting to have a negative report removed from my various credit bureau reports. I have owed KMF {$0.00} on an account that has been closed for more than a year. I have received letters from KMF stating that they sought more information in order to initiate an investigation on my disputed items. I have received their requests for more information with zero initiation or displayed efforts on XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX all within 2020.

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 2018-02-03
Company: General Motors Financial Company, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I'm trying to get my vehicle returned to me but can not get anyone on the phone or my messages returned. The company is GM Financial

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I opened my Coinbase account in XX/XX/XXXX. Last time I had access to my account was about a year ago. I have been unable to acces the the account because I have a new phone number. Their website verification has been broken for at least 2 months. 

After a few weeks of trying to verify my identity through their site, I started a tech support ticket on XX/XX/XXXX. 

They rep had been unhelpful and had not responded in several weeks - no fix has been made. 

Coinbase has effectively stolen my money/bitcoin. They have no intention of helping me get into my account and releasing my funds. 

You can reference Coinbase support case number : XXXX Please help me. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX XXXX XXXXXXXXXXXX {$630.00} being held illegally I am not sure of the date exactly but at some point early in XXXX 2017 PayPal put a limitation on my account. I was unable to remove my money from their website anymore. They have not given me any indication as to why they did this except to review the User Agreement. Well since then I allowed them to hold it for 3 months since that is plenty of time for any buyer complaints or refund requests. I called them to try to see if they would grant an early release and they refused to. I am now seeking assistance to have MY MONEY released to me considering that they are not a bank they are not allowed to hold money for this amount of time. There are no more disputes, refunds, complaints at this time and there is zero risk for them to release my money except their own financial gains. I will also be contacting Congressman XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX of the SEC, the Department of Justice, The Federal Trade Commission, and Filing a Complaint with the BBB. They have taken advantage of way to many people in this same matter day after day. They should be forced to change their policy to 90 days as that is well past the deadline for people to be able to return or request a refund anyway. They have been given to long of a leash and it should be reigned in. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2018 i realized about a fraudulent transaction on my saving account that took place just the day before XX/XX/2018, it was XXXX dollars. I inmediatly called to report it, they told to me that i should sign a form in order to get a temporary reimbursment while they investigated such activity, they advised me to go by a sucursal to close and open a new account. I went to the bank, the banker told me to replace both checking and saving accounts since he had found 2 fraudulent transaction on my checking account as well from XX/XX/2018, he called to report this and at the end they said they could not credit the transaction of XXXX dollars since i was responsable for any transaction that occur more than 60 days. All in all they have manipulated this problem to their convenience, i dont understand their decision because i reported it in less than 24 hours. They credited {$30.00} to the checking account and {$5.00} to the saving account that i really not know about this XXXX dollars because i never signed any affidavit for this amount. I think they have violated my rights as a consumer, i hope i can solve this problem with your cooperation and not have to look for legal representation, thank you so much for taking my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: The CBE Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Pulled my credit report and disputed with all 3 credit reporting agencies a collection debt from CBE fir XXXX XXXX XXXX in the amount of {$160.00}. Ive paid XXXX XXXX a deposit of {$200.00} plus dollars and an insurance premium. As a consumer I have the right to cancel and shop cheaper auto insurance rates and change auto insurance if Im unhappy with company yet theyve sold my information to a debt collector this is illegal!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have a business account with Bank of America and on XX/XX/XXXX they charged me a {$35.00} NSF fee for a {$9.00} transaction. When I logged into my business account there was a balance of {$18.00} which was enough to cover the {$9.00}. So when I logged into my account the next day there was a NSF charge for the transaction. 

I called Bank of America on XX/XX/XXXX and asked why was there a {$35.00} fee. The representative and the supervisor that I asked to speak to me told be that there was a hold on money in my account from XXXX and XXXX. He said XXXX had a hold on the money for 5 days. I asked them that if there's a hold on the money then why is it showing an available balance of {$18.00}? How am I supposed to know that the money is not available? The supervisor basically told me that it's my responsibility to know what is coming out my account. I was done with the supervisor and hung up the phone.

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