BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-19
Company: Liberty Finance Co., Inc.
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of XXXX we took out a loan that was supposed to be for XXXX, that ended up being over XXXX and a year longer than originally quoted. They added an old debt of mine that had been garnished from my wages My ex employer paid half of it but failed to pay the rest. I was told to sue my employer. Although they assigned her care and control of the debt in which she collected in full, i had to pay it again .... financed and over a 6 year term. We were desperate at the time because I had just been diagnosed with XXXX and the need was for a reliable vehicle to get back and forth to XXXX treatments. 
Over the next two years we went into foreclosure 3 times. We paid over XXXX to Liberty in fines, fees and interest. Every time we requested help from the company, we were repeatedly ignored or dismissed by XXXX XXXX. He intentionally targeted us and never gave us the same treatment as others. I requested a breakdown of fees and fines and costs only to be told he didn't have it in the system anymore and to ask their attorney for the breakdown. The attorney sent me back to liberty where he typed one up that didn't make any sense or match. I requested a forbearance as well as leniency. Denied. 
It wasn't until we contacted CFPB did they agree to " help ''. Their help was rewriting the loan for twice the original loan. There are fraudulent misappropriated money dealings, misleading loan documents that weren't and can not be explained, they have involved my mother in law now and have publicly embarrassed her as well as messed up some title work that they won't clear up. We have been charged for services that weren't rendered as well as not given paperwork on some new loan they have charged off. The first loan was satisfied yet never reported to the credit bureau. Our credit has been ruined and we feel humiliated and in fear of losing our home. We have offered numerous times payments but they will not be reasonable. I even tried to pay XXXX today in which I was denied. They are aware of mine and my husband 's serious health issues yet there is no consideration. As it stands now we owe XXXX dollars for a XXXX loan. 6 months ago we paid XXXX and it does not reflect

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: SYNCHRONY FINANCIAL
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2020-06-06
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My Nationstar mortgage balance is not correct nor is it up to date. I have been trying to pay my home off early and get out of having to do business with Nationstar because of their bad business practices. I have paid my mortgage for the following months XXXX, XXXX, XXXX, XXXX and an additional {$5000.00} towards principle however they are only reporting up until XXXX. So I am going directly to each credit bureau again with documentation showing the correct mortgage balance and months paid up. I will continue filing disputes until the mortgage data is corrected. The information in my credit report and the information reflected with Nationstar is way off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I wrote Chase Bank to dispute a charge for {$250.00} to XXXX XXXX XXXX on my credit card account on XXXX XX/XX/XXXX, as the charge was done without my permission. The charge is in error as NO TERMS OR CONDITIONS WERE PROVIDED from the merchant regarding their processes & THE MERCHANT CANCELLED THE SERVICES, NO SERVICES WERE RENDERED. 

THE MERCHANT had the card because it was required to book the appointment. THE MERCHANT arrived on the day of the appointment and took our dogs to their grooming van. Within minutes, THE MERCHANT informed us THEY COULD NOT PERFORM the services, unless we agreed to shave the dogs. We tried to discuss alternatives, to which THE MERCHANT REFUSED. THE MERCHANT informed us they would be charging our card for the services, despite the fact THE MERCHANT cancelled the services & NO SERVICES WERE RENDERED. 

The requirement to shave our dogs came as a complete shock to us. The first we were told of this was at the time of the appointment. At no point were we informed prior to the appointment or at the time of booking that there was any requirement or possibility of shaving our dogs. The groomer charged our card, without our consent, even though no services were rendered. We were scammed & Chase Bank is FULLY supporting the groomer 's scam. 

Chase Bank denied the dispute and the dispute was then appealed on or about XX/XX/XXXX. The Bank still came back and stated they maintain their decision in the dispute. When we asked for their evidence as to why they believe the charge was valid, they refused to provide this information because they stated they did not have any evidence. How do you reach a fair or sensible decision on a dispute without having any evidence? The Bank maintains that we owe the amount of {$250.00}, which we absolutely refuse to pay as this charge is in NO WAY valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: Bridgecrest Acceptance Corporation
State: NJ
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:
In XXXX of 2021, I purchased a used vehicle through XXXX within a day the car 's engine light came on. I choose another vehicle BUT though the 2nd car was comparable in make, model and price XXXX  wanted times more the down payment I had already paid. Ultimately, days passed and the 2nd car deal fell through. When I went to have the vehicle repaired I was informed I was in a " rebuild process '' that could take 0 days to " rebuild '' the original contracts. 

However, on XX/XX/XXXX my granddaughter and I were caught in a flashflood that totaled the vehicle. My car insurance quickly completed their process and paid the car off. However, XXXX and its affiliated finance company DID NOT. I have had to file several complaints with the XXXX  to get XXXX to complete the " rebuild " process. Likewise, I had to file a XXXX  compliant to get Bridgecrest to apply the checks to my account which they applied XXXX BUT removed XXXX XXXX, for reasons unknown to me. AND, today, Bridgecrest added a negative rating on my credit report for the full amount of the loan to a vehicle that has been paid off. Additionally, my GAP insurance company is waiting for XXXX and Bridgecrest to supply them with documentation to complete their process. 

These people have made a horror situation worst by lack of transparency and competency and I believe they are predatory lenders harassing me for a vehicle that they know was deemed a total loss from a natural occurrence. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: OH
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:
I recently went to try to apply for another mortgage, but I got copies of my credit report and noticed a lot of inaccuracies.My reports should be 100 % accurate and the credit bureaus are willfully reporting negative items, which is unfair because this is directly impairing the banking system and ruining my reputation with the banking system. I demand that all inaccurate items be deleted immediately because they do not belong to me. My information was made public in the various data breaches ; Equifax data breach is one of them and someone successfully opened up accounts that were unauthorized and I didn't not consent to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My account was put into an inactive status due to violating terms of service. The only means of contact with the company is via email. No explanation could be provided as to what the violation was other than potentially someone who sent me money violated the terms of service. Each time I contact the company a different generic response is received stating something different. My wife attempted to sign up for an account but her account was immediately frozen as it used a joint account that had been previously assigned to my account. I contacted the company to have it removed from my account as per the instructions on its website and I was told my account was deleted so there should be no issue. My account is in fact not deleted nor has the bank account association been removed. Any emails regarding any of this are responded to in a way that in no way relates to the request within the email. Any requests for escalation of the complaint are ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: United Shore Financial Services, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home 's value was re-assessed in XX/XX/2021 which raised my property taxes. Once I received notice that my taxes would go up, I immediately went to my United Wholesale Mortgage XXXX XXXX to ask an agent what actions I would need to take to make sure my property taxes were taken care of. The agent told me that there was nothing I needed to do and XXXX would take care of it and my new monthly payment would include the new property taxes. 

After months, I started receiving delinquent bills from my taxing bodies ( City, School ). I contacted XXXX and again, they told me no further action was needed on my end. I continued to receive delinquent notices from Collections agencies and they told me they would put a lien on my home. After all the misinformation, I eventually ended up having to pay the taxing bodies myself. This resulted in XXXX of dollars of penalty fees. 

I have images of the agent chats I had with United Wholesale Mortgage. I understand it may have been a mistake on the agent 's part, but it was deceptive to me and resulted in XXXX of dollars in fees that I paid based on incorrect information provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
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: Was not notified of investigation status or results

Complaint:
I saw my credit reports after being denied credit several times. There are many inaccuracies on my credit file. Account that are not mine, many incorrect names, socials etc. 
I have been disputing these errors with Equifax and XXXX XXXX and have gotten no response nor results. It has been over 90 days and they continue to ignore me. 
My character has been defamed at the errors in reporting on my credit files. 
Please Help Me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 an unknown person accessed my online banking account, created themselves as a " Payee '' and was able to send themselves {$9400.00} without any type of alert or caution from Huntington. This fraudulent transaction was noticed by me XXXX, on this date I filed a report with Huntington that this transaction was not made to anyone I know and was not done by myself. Since the initial report I have followed up 6 times with Huntington customer service ; since those correspondences I was told that my case was closed without ever consulting myself, unable to speak with the researcher working on the case, and indirectly accused of attempted fraud. Huntington Bank has made little effort to work with me as a victim of fraud, has failed to be an advocate for me as a long time customer, and has been negligent in their handling of a case in which their own system allowed a fraudulent transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I noticed that i have been a XXXX of XXXX XXXX for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from XXXX XXXX. I have contacted ( XXXX XXXX ) and ( XXXX XXXX ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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 2020-02-26
Company: Receivables Performance Management, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I Checked my credit to see a negative report from RCVL PER MNG for XXXX for {$2400.00}. This is an incorrect reporting. The devices were paid off on the account shortly after XXXX XXXX closed my account citing fraudulent activity. They never provided any proof as to why the account was closed. I am not sure where this debt has come from all of a sudden but this is a very old account that does not need to be on my credit account.

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 2021-01-19
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, Citibank ( the bank who issued Sears credit card ) posted an outstanding balance of {$1200.00}, which triggered an auto debit on my checking account with XXXX XXXX XXXX. I had no outstanding balance with Sears at the time. 

Below are the dates I contacted Citibank ( XXXX ) to get a refund : XX/XX/XXXX : Spoke with XXXX, ID # XXXX. She initiated the refund process & asked me to call back on XX/XX/XXXX XX/XX/XXXX : Spoke with ID # XXXX. He confirmed that the refund was initiated on XX/XX/XXXX XX/XX/XXXX : Spoke with ID # XXXX. She confirmed a refund check was already processed on XX/XX/XXXX. She then confirmed the address & it was my old address. She updated my address, submit a stop payment & restart the refund process. She also said it may take up to 30 days to get a refund check. 

XX/XX/XXXX : Called to check the status of my refund & spoke with ID # XXXX. She asked me to check in a few days. 

XX/XX/XXXX : Spoke with ID # XXXX. She said that another request has been made on XX/XX/XXXX & I should get a refund check in 30 days. I requested to speak with a supervisor. She forwarded my call to XXXX, ID # XXXX. He confirmed that I am entitled to a refund. He also confirmed that a refund process has been initiated on XX/XX/XXXX, and that I a check should be mailed by the next billing cycle XX/XX/XXXX. 

XX/XX/XXXX : Spoke with ID # XXXX. She was unsure why I am expecting a refund. I asked to speak to XXXX, the supervisor whom I spoke with on XX/XX/XXXX. She forwarded my call to XXXX, an assistant manager with ID # XXXX. He was not very helpful. He submitted another refund request & told me that it will take 30 days ( basically, he restarted the clock ). 

It's been almost 4 months since Citibank took my money.

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 2021-01-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I got scammed last month when I had to deposit a fraud check into my account and cash out the rest of it. A few days to the next week, I saw my checking account for Wells Fargo turned into a negative balance in which I did not do. When I checked the transaction, it said returned item unpaid which said {$5700.00}. I filed a claim to Wells Fargo, waited 10 business days and it got declined, so they were not able to reimburse me with this situation. Right now, my bank account is overdrawn by - {$2900.00} after my last direct deposit from bank went through when I got paid at my job. I also made a police report and called around for a lawyer and I never gotten refunded. How do I resolve this issue? Because I am really tight on money.

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 2022-04-27
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: Reporting company used your report improperly

Complaint:
The Credit Bureaus stated the below accounts were properly investigated from letters sent certified mail on XX/XX/2022 but how is that possible if the open dates are inaccurate, the date of last activity is inaccurate, and the date last reported is not accurate. This is grounds for immediate removal of all accounts. They also violated my rights under 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

I have not given these accounts written permission to furnish these accounts on my credit report. 

XXXXXXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX XXXX Acct # XXXX, has violated my rights FXXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX Acct # XXXX, has violated my rights XXXX XXXX XXXX Acct XXXX XXXX, has violated my rights XXXX XXXX XXXX XXXX  Acct # XXXX, has violated my rights XXXX XXXX  XXXX Acct XXXX XXXX, has violated my rights XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights Acct # XXXX, has violated my rights Acct # XXXX, has violated my rights Acct # XXXX, has violated my rights Acct # XXXX, has violated my rights XXXXXXXX XXXX XXXXXXXX XXXX Acct # XXXX, has violated my rights XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX XXXX  Acct # XXXX, has violated my rights XXXX XXXX XXXX Acct # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information ANY other adverse item of information, other than the records of convictions of crimes which antedates the report by more than 7 years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2018-03-13
Company: Coinbase, Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/2017 I made two different transactions for selling my virtual currency Bitcoin and Litcoin through coinbase. 

The first transaction was for {$260.00} of bitcoin -reference # XXXX The second transaction was for {$130.00} of litcoin XXXX reference # XXXX The money was supposed to be directly deposited into my checking account. The company has not responded to this issue.

Company response to consumer: Closed with explanation