BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-29
Company: Advance America, Cash Advance Centers, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I went to their website yesterday, XX/XX/2017, and attempted to make my payment a day early. Did not show that payment had been processed instead showed " error in processing ''. I clicked the cancel so as not to make a second attempt. When I checked my bank this morning,XX/XX/2017, I found that they had removed TWO payments! I was NEVER notified that there would be two payments deducted. In fact, their website said there was an error in processing and I never received any notification from them. I spent the entire day trying to work with them as we are now left with a negative bank account and {$0.00} dollars. I have NEVER missed a payment with this company! I never had any intentions of making and additional payment. I was merely try to pay my payment a day in advance.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have contacted XXXX Consumer Reporting department. I have expressed that there is a security Alert on my report for fradulent inquiries. There should be no unauthorized inquiries on my report due to a security freeze. They have stated I need to provide 3 forms of ID to access my report file and refuse to speak to me surrounding my report. I have provided them with the requested information, contacted the companies and they still refuse to remove the inquiries and fradulent accounts from my file. I ca n't even get them to access my file anymore over the phone. I have provided them with the necessary identification but they refuse to let me call in and speak to any representatives. <P/>I have provided the letters I have sent and they refuse to remove them. They refused to obtain proof that I authorized the inquiries as well.

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 2019-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/19 I reported suspected fraud on my account to Bank of America. BoA then locked down my account and said the only way for me to use it was to travel over 100 miles to their office out of state. I requested that the annual fee I paid be returned to me because they are not allowing me to use the card. They declined to return the fee, so I am escalating the issue to have it returned.

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 2022-02-16
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
on XX/XX/16 I called Santander Consumer Regarding a written statement for my pay off amount. I spoke to customer service and the lady sent my letter off to my email address. When I got the letter the customer service agent advised me the overnight mailing address was wrong. I asked her why sent out an official letter with the wrong address on it. She advised me the correct address was on their website and that it was out of her hands. I advised her I was turning this letter over to another bank who would then send the overnight check to the address on this official statement coming from them. She advised me it was out of her control and I asked to speak to a supervisor by the name of XXXX. He advise me it was out of his control. He transferred me to their Executive Team. and I spoke to XXXX # XXXX. I asked her the same question, why isn't the address updated on an official document that you are sending out to consumers? She informed me she would have to reach out to their legal team to see if they can change it and she would get back to me in 24 to 48 hours. I think this is totally unacceptable to provide wrong information on a document like this and have payoff payments going to the wrong address. My bank asked for a written statement and this is the document I provide. Now they are going to be sending an overnight payment to an address that Santander is no longer at, according to the supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I would like to dispute late payments and incorrect address on my credit file. I have attached the letter.

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 2022-02-16
Company: Bridgecrest Acceptance Corporation
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
BRIDGECREST did not respond to my last CFPB rsponse. They know that they recieved the authenticated XXXX from the Treasury from my estate UCC treasury account for the payoff and address they gave me. After taking 2 months to verify that and had the funds ready and sent certified mail, BRIDGECREST refused the LAWFUL payment under UCC 3-603. After further review and communication, since they have not diclosed any prefererred payment methods and on top of that, having no direct contract, the contract they sent back is with Carvana NOT Bridgecrest or any parent company. They should have forwarded a 1099 and the XXXX as lawful payment. Since they cant do lawful business, and demand DEBT without contract, they are not only breaking federal law, but damaging my credit score and credit of account. This is illegal and disturbing for a company especially with no contract to act this way. They need to reply IN WRITING a valid and lawful solution. Since they have not, I have reserved my rights to rescind my signature nulll and void ; 15 US code 1635 ; with XXXX as this was a mutual mistake of contract. BRIDGECREST made a mistake. Under federal law, this Letter and Right of Rescission due to " mutual mistake '' being the legal reason for rescission, has been delivered to BRIDGECREST on XX/XX/22. They have not even responded to the letter. Thank You. XXXX XXXX XXXX ESTATE - Beneficiary - All Rights Reserved

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 2017-07-11
Company: Suttell, Hammer & White, P.S
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Consumers need to be on the ALERT about a law group name, XXXX XXXX XXXX XXXX XXXX XXXX a.k.a XXXX XXXX XXXX XXXX XXXX and other alias. The are a debt buying firm and they obtain  FALSIFIED judgments. An Earnings Withholding Order was received by my employer from this firm claiming they have a judgment against me for a debt from XXXX card. I called XXXX card and they notified me that the debt was charged off ( sold ) and if anyone is making an attempt to collect it is for their benefit not XXXX. I gave them the name of the firm and they told me that I needed to contact them because XXXX has NO ties to this firm. Upon reviewing the " court documents '' it appears that XXXX XXXX XXXX XXXX XXXX alleged to have served me, however according legitimate court documents XX/XX/2016 shows that papers were returned due to not found/no service. They then started to submit false documents to the court stating I was served as to obtain a default judgment. I am not the only person that this has happened to, matter of I have a co-worker that they are pursuing as well. Please investigate the practices of this business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had deposited a {$10000.00} check into the account. So I had money in my account, the Bank of America put a hold on it. I had out that money in the account for bills that were coming out in the next few days. Those bills hit like normal and it put my account in overdraft because their hold on MY money. I deposited the money days before the bills were withdrawn. They charged me for two overdraft charges of {$35.00} each. If I have money in my account that would easily cover the amount of the bills, they should not charge me overdraft fees when it is their fault they were holding MY money. Im looking for a return of my {$70.00}.

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 2020-09-15
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: Account status incorrect

Complaint:
On XX/XX/2020 I XXXX XXXX called XXXX XXXX. to request a 3 month deferment due to COVID - 19 On XX/XX/2020 I checked my Fico Report and discovered that upgrade had reported me XXXX  days late for the month of XXXX and XXXX. I have documentation to support my claim. I never missed a payment and the account is set up for auto draft. 

Thank you .... 
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 2022-08-10
Company: EQUIFAX, INC.
State: MI
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:
All 3 bureaus contiue to report XXXX XXXX which is a student loan servicer as an open account that has been closed for 9 years and 9 months. I've contacted XXXX XXXX, disputed this account for YEARS on all of my accounts. It needs to be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 Dispute this account with original creditor and they have response back stating they don't have an account in my name therefore unable to verify this account. However the credit bureaus Trans Union and XXXX   wont delete this unverified account. I have enclosed proof i don't have an account with 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 2017-12-29
Company: Midwest Recovery Systems
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX at XXXX I received a email from my credit monitoring alert from XXXX  XXXX that I had a new account alert and I checked it and it stated that I had a NEW ACCOUNT on my XXXX from Midwest Recovery Systems , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MO XXXX and for type it stated N/A and contact number it stated also N/A. So then I checked my XXXX XXXX alerts and it stated I had one DEROGATORY MARK ( my first one ) it stated I owned {$890.00} from XXXX XXXX XXXX  opened on XX/XX/XXXX and reported XX/XX/XXXX which dropped my score on XXXX 3 Points for something I that I have no cash advances currently. I checked out XXXX and this Midwest Recovery System has so many complaints and the same issues with people. I worked so hard to maintain my credit and I will not stop until this is fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: CBC Companies, 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 information incorrect

Complaint:
XXXX You have never dealt with this before! You excuse of unacceptable. 
An investigation needs to be done into fraud you are reporting on my credit report. The excuse XXXX  is suing is unacceptable. XXXX perpetrated fraud and you have displayed that fraud on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: AVANTE
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have numerous amounts on my credit report some for over {$700.00} and one for over {$1000.00} as well as some under {$100.00} I have called the hospital where they claim I owe and I have a {$0.00} balance and they dont know why Im getting charged when I have Medicaid and they were supposed to cover it! I havent received any bills either the only why I know about them is when they show up on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
Credit Reporting Agencies have deleted positive loan accounts from XXXX ( auto loan ) and all my student loans from history.

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 2017-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I provided the XXXX app with my Bank of America banking login information for the purposes of earning reward points based upon their monitoring of my credit card charges at specific merchants. I made several purchases at XX/XX/XXXX which was one of my selected retailers which initially tracked and I earned points from ( XXXX points per dollar spent at XX/XX/XXXX ). Recently my purchases have stopped tracking. However, the issue is that I redeemed XXXX points for a {$20.00} XXXX gift card which I have yet to receive after one week ( FAQs state payouts will be made within 3 days ). I 've submitted multiple inquires to XXXXXXXXXXXX and it seems they will not pay out saying my account has been flagged for my safety. Their responses are generic and not informative. If there was an issue with my transactions, Bank of America would advise me and it is not XXXX XXXX job to do so. XXXX is simply there to monitor transactions to provide rewards. If they do not pay out what I rightfully earned, they are a scam and need to be shut down immediately seeing how their business involves gathering consumer 's bank account login information and monitoring financial activity. Per their terms and conditions on the day I signed up and when I redeemed my gift card, all was done in accordance and I am completely eligible for my award redemption.

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 2022-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
We discovered today that we have been charged a $ XXXX  monthly service fee since XX/XX/2021 without any notification. The terms of our account with Bank of America state that if we keep a minimum of {$3000.00} in the account we would not be charged any fees. We received no notice of any change to these terms. We requested a fee reversal of {$160.00}. Bank of America stated that they would only refund {$16.00}. We requested an escalation to a manager. The request was denied by the manager. As there was no notification of a change to our terms, this fee should be reversed.

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 2022-02-16
Company: Coinbase, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Coinbase took money from my bank account but did not deliver the purchased cryptocurrency. My account was under the email : XXXX email from : Fri, XX/XX/2017, XXXX PM states : Your purchase for {$4600.00} USD of ETH has started Your funds will be available by XX/XX/2017 However, the funds were never accessible. I could not trade them, sell them, or transfer them. Coinbase has since closed my account and I have no access to them. 


The transaction details are : Amount XXXX XXXX XXXX rate @ {$300.00} / XXXX XXXX {$4500.00} Fee {$68.00} Total {$4600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is my 5th complaint lodged against this company. 

Based on my records I was not sent a Monthly Statement for loan ending # XXXX for the months of XXXX & XX/XX/2020. I dont want to hear excuses about their website and it being unavailable and either of my XXXX loan accounts reaching a status of 45 days past due or any similar XXXX like I got in their letter to me dated XX/XX/2020. If they can print a monthly statement for my other loan ending # XXXX and not miss sending me any months for that account they can XXXX well do the same for # XXXX. I want the actual & individual monthly statements and not compilations & I expect to see these statements for that account to continue being sent to me in a timely manner. There is no reason for these statements to not have been sent.

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 2022-02-16
Company: Experian Information Solutions Inc.
State: LA
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:
My name is XXXX XXXX, I have been on the dispute of the negative accounts and unauthorized inquiries on my credit report. I have sent countless and the inaccuracies have not been fixed.

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 2017-07-11
Company: Experian Information Solutions Inc.
State: TN
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 was given custody of my grandchild after he was XXXX XXXX XXXX XXXX  with a XXXX XXXX. Now that the XXXX Family have stolen my identity, through XXXX. They are stealing my child support from social security. I was given custody on XXXX of XXXX XXXX/aka XXXX XXXX XXXX. His DNA number is XXXX. His father DNA number is XXXX. XXXX XXXX XXXX stole my mail. Paid Attorney XXXX XXXX to conspire with her to take the child support. To say I was n't in court. Attorney XXXX overrule XXXX XXXX XXXX XXXX ruling. Docket number XXXX. XXXX XXXX never paid me child support. My child did n't pay me child support from social security. Because XXXX stole copies of my drivers linsenc, my social security card in XXXX XXXX XXXX. I 've changed my name to XXXX XXXX XXXX. My name have been spelled XXXX XXXX XXXX & XXXX XXXX. I began using my maiden name when I learned the XXXX Family stole my identification. Attorney XXXX XXXX placed a fraud alert on my report without my knowledge. A seven year alert. My mail was being stolen in XXXX. The United States Postal Service told me How To handle. I no longer submit a change of address. I send notices directly to who I Am contacting. I do not let any family know where I 'm living. The less any of them know about me, the safer I Am.

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 2017-12-29
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I payed my balance off in full. I called the company to confirm this. They told me it was paid off in full. I was not aware that they claiming that they received the payment late in spite of sending the payment on time. I was travelling and out of the country so I was unaware that there was a {$25.00} dollar fee that has destroyed my credit scoer. So in spite of having paid the balance in full and confirming it. I was charged a late fee and was unaware.

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