BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-28
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear Bayview I appreciate you assisting me with tax accessor office. Unfortunately the tax information is not corrected in tax accessor records therefore updating mailing address is impossible. 

It appears to be an attempt to steal my home. There is no record in XXXX XXXX XXXX ( called today ) file that anyone filed a claim or followed procedure regarding my Condominium Rider. 

I was in bankruptcy in 2009 when my address was added to a lawsuit I was not a party of. The court corrected/void documents which no longer affect title. 

As soon as another agency/third party completes investigation and confirm my ownership a new story or letters do starts all over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: Experian Information Solutions Inc.
State: NY
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 submitting this complaint about experian and XXXX XXXX XXXX. I have this account " XXXX XXXX XXXX '' reporting on my experian credit report that is a result of fraudulant charges. The rep I just spoke to at experian did a 3 way call with XXXX XXXX  XXXX to finally try and resolve this issue however I was told that it might be too late to report this card as fraudulant charges made on it and I need to contact the fraud dept and or the collection agency. I explained that I spoke to the CEO for XXXX XXXX XXXX XXXX XXXX and it was agreeded upon to remove this account off my credit report. XXXX had finanilized there investagation and it was removed off my report however experian will not delete it nor will XXXX XXXX XXXX. I was suppose to be mailed awhile ago fraud forms to fill out but never received the forms. Now I am being told it might be too late or I might have to settle the debt with the collection agency. I explained to the rep at XXXX XXXX XXXX " XXXX '' that I am not going to pay for something that I did not purchase. That 's not right. She explained to give them a call. I asked what if I am told the same thing that it 's too late to report these charges as fraudulant?. I am left with this debt reporting on my experian credit report and again that 's not right because it is affecting my credit score for something I did not do.

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 2020-11-13
Company: SYNCHRONY FINANCIAL
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:
On XX/XX/2020, SYNCB/LOWE 'S XXXX add a hard inquiries on my credit report per XXXX. There was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine.

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 2018-06-19
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XXXX initiated funds transfer upon account closure ( acct # XXXX ) to XXXX saving account # XXXX on XX/XX/XXXX. However, this account was closed on XX/XX/XXXX. Hence, as per Barclays, the incoming funds were rejected and sent back to XXXX on XX/XX/XXXX using  tracing # XXXX. XXXX says that they did not receive the rejected funds from Barclays and the tracking number provided is no good. Contacted Barclays many times but no one was of any 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 2019-02-18
Company: QC HOLDINGS INC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have explained that we are going through a debt relief program on XX/XX/2019 and the company is trying to collect XXXX dollars. I have asked them to quit calling several times and the have the phone number to call the debt relief program. The gentleman is very rude and would not let me explain the situation.

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 2018-11-08
Company: Experian Information Solutions Inc.
State: NY
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 don't have any contract with the account mentioned below ; Company : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX, NC 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 2017-11-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX/XXXX/XXXX I applied for a XXXX XXXX Secured XXXX Credit Card. I received an Approved status ( Reference Number XXXX ). I had the funds in my account and waited the 7 - 10 days for them to retrieve them. It never happened then within that period I received a letter saying i was not-approved. I was irritated but after seeing on the news the fraudulent accounts XXXX XXXX created I thought perhaps that was what is was and I was kind of glad the account was n't opened now. Then on XXXX/XXXX/XXXX it was reported that i had a credit card account opened and closed within days. I have repeatedly disputed it wanting it removed. I never received a card or any account information yet it ruins my already struggling credit. It dropped me 30 points they day it went on due to my young aged credit. I would like this immediately removed and an explanation to why this was done. I also do not understand how the CB could let this go on my report with such an incomplete picture.

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 2020-10-13
Company: JPMORGAN CHASE & CO.
State: NY
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:
I reported a fraudulent charge and asked for the credit card to be closed, but instead customer service closed my entire account. Now my credit age resetted and credit score dropped 100+ points.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: Experian Information Solutions Inc.
State: NY
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:
I have disputed an fraudulent account by XXXX XXXX. Experian was investigating the information and hasnt updated my account since XXXX even though the dispute was opened in XXXX and XXXX. The information Experian has on my credit report is inaccurate from the information that XXXX and XXXX  has ( which is accurate ). The collection account address and payment status is wrong. Experian will not remove the derogatory payment status and wont update my dispute in a timely matter. In pictures you can see that Experian hasnt updated the collection in dispute, doesnt have the accurate collection agency address, has an unnecessary derogatory payment status.

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 2022-08-09
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
I have been trying to add my bank account for several months, I have tried on mobile, desktop, by open banking/acct no. 

It always says try again later despite waiting 72 hours multiple times between attempts to add the account. I called customer service who simply wanted to get me off the line and had no interest in helping me. They stated there was a risk associated with the payment even though I wasn't trying to make a payment. I have been in touch with my bank who dispute this and say there is nothing wrong with the account and that it is a technical error with Paypal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: LEXISNEXIS
State: WI
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: Problem with personal statement of dispute

Complaint:
On XX/XX/2018 Lexis Nexis recieved my 1st of 3 certified dispute letters for bankruptcies that they have reporting under my Social Security number. I received a letter from them on XX/XX/2018 stating that the bankruptcies in question were verified and were reporting correctly on my LexisNexis report. 

In response to their letter I sent the 2nd of the 3 certified dispute letters on XX/XX/2018 asking if they could please send me a copy of the document bearing my signature as well as the as the name, address, and telephone number of each person that was contacted to verify the alleged bankruptcies. They received my 2nd certified  letter on XX/XX/2018. 

In response I received a letter from them on XX/XX/2018 again stating that everything was reporting correctly, but they failed to provide me with the documents that I asked for bearing my signature as well as the names, addresses, and telephone number of each person that verified the bankruptcy. 

On XX/XX/2018, I sent the 3rd certified letter to them ( LexisNexis ) demanding again that they send me a copy of the document bearing my signature as well as the each person used to verify the bankruptcies they are reporting. I even sent them a letter from the bankruptcy court that says they do NOT report any information to any credit agency. 

I received their response on XX/XX/2018, again stating they have verified the alleged accounts. I have repeatedly asked for their method of verification and they are refusing to give me this information except to say that they are using XXXX, which does not allow for 100 % verification because according to the Court Clerk I spoke with, statements of social security are redacted from not only my view but the public 's view.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
The account is reporting delinquent and past due although it is closed and paid off. I have tried disputing it but they are reporting that it is accurate and it is not.

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 2018-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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've filed Bankruptcy in 2017 and there was a debt, XXXX XXXX, that was included in my bankruptcy. On my credit report, it is listed as a collection with an outstanding balance which is included in my Chapter XXXX Bankruptcy. After 3 attempts to dispute the item and even provided supporting documentation for the item, XXXX, Transunion and XXXX  continue to allow the item to remain on my credit report. I've demanded them to re-investigate the item and they refused.

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 2017-12-23
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have an acct with XXXX XXXX XXXX that is now in bankruptcy but in the comments it is stating charge off fixed rates which is incorrect it should state in the comments included in bankruptcy chapterXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Thank you very much for your response. First of all, XXXX XXXX where I purchased the XXXX XXXX already called me on Sunday ( XX/XX/2018 ) and informed me that they had already sent the check amounting to {$2400.00} to Santander. However, Santander bank claims that they have not yet received this {$2400.00} dollar amount refunded and which should be deducted from my principal amount. Please can you find out who among these, either XXXX XXXX or Santander Bank is telling the truth about my {$2400.00} before the money disappears again? 
Secondly, the Santander Bank still does not clarify/verify the exact amount of Principal ( money ) I will owe them after this fraudulent warranty that was even voided before it could take effect amounting to ( {$2400.00} ) is returned and is deducted from my principal amount. Although Santander agrees to deduct this amount of {$2400.00} from my Principal amount of purchase of this XXXX XXXX. In the response letter from Santander Bank ; Santander bank explains that I am expected to pay the same amount of money ( {$470.00} per-month for this car loan ) over the next 60 months as was previously signed. This can not be the case because after the principal amount has been reduced, I can not still pay the same earlier bill for this car. And as per the laws in California, loans are charged with simple interest. Please can you prevail on Santander bank to ensure that they do trustworthy and fair business and that I am not illegally billed unfairly even after this illegally warranty by XXXX XXXX is refunded ( which XXXX XXXX claims to have already sent the check to Santander but Santander says they have NOT yet received the check of {$2400.00} ).  Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I contacted XXXX XXXX to pay an old debt, they referred me to Cavalry Portfolio Services, I contacted them from a place of business not my employment. When asked if this was a good contact number I specifically told them it was not and I was using someone's else phone and not to save this number. I spoke to XXXX XXXX XXXX, XXXX XXXX who says her initials are XXXX ( Convergence their outsourcing company ) and XXXX XXXX. When I called them they told me the debt was inactive from XXXX and they couldn't accept payment. XXXX XXXX told me they sold the debt to them. I was then advised by XXXX that she had to give me a new address of XXXX XXXX XXXX XXXX, XXXX, WA XXXX and I advised her that is not what is reporting on my credit report as what is reporting on my report is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. I'm confused if this is even the same or correct company. 

I feel violated and embarrassed that they call my realtors place of employment for me for a debt that is 10 years old, charged off that I called to pay. No one seem to be able to help or take payment. When I spoke to XXXX she asked me to call her back in one hour then shortly thereafter XXXX XXXX called my realtors office and had no idea I had spoken to her. She put me on the phone with a XXXX but now. How do I know I owe these people no one seems to know anything or be in communication with anyone. The number that called me was XXXX at XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am requesting to remove the fraud alert on my Credit report. I've sent mail about it but I haven't got any response yet from the credit bureaus. Please help me. 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 non-monetary relief
Consumer complaint received 2021-06-25
Company: JPMORGAN CHASE & CO.
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I traded a XXXX XXXX XXXX into a local dealership in XX/XX/XXXX. The dealership called Chase for the payoff and the lease was paid in full. Over a month after I traded the car, Chase says they sent a letter to me for damages to the vehicle totaling {$970.00}. I was never notified a vehicle inspection was being done. I was not present for any inspection, therefore am unable to validate an inspection actually occurred or who performed the inspection. I was never late on any lease payments. Chase reported me as charged off to the credit bureau in XXXX of XXXX with a balance owed for damages. I called Chase on XX/XX/XXXX, the automated system gave the message my account was paid in full, I spoke with a customer service representative who stated my account was paid and full and she would transfer me to credit bureau disputes because of the charge-off showing. The associate I was transferred to confirmed again my account was paid in full and she would submit the update to the credit bureau. I have been monitoring my XXXX and no updates so I called back today and spoke with XXXX who stated I owed a balance of {$970.00}. This is an unfair and deceptive practice to send a bill for damages without making me aware of the date and time of the inspection to be present. I have traded other leased vehicles in and was notified of the inspection so I could be present. The other issue I have is when I call the automated system and put in my personal information, the recording says my account is paid in full. If Chase shows I owe a balance, why would the automated system give misleading information. Lastly, XXXX did state he would submit a dispute on my behalf for the balance however, given the circumstances and conflicting information I have received, I don't believe Chase will resolve this appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: Trident Asset Management, L.L.C.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Even though Trident Asset Management has admitted that the debt they are trying to collect never was mine, they continue to call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
Reference : Coinbases transfer to FRAUD SCAM Brokers : XXXX. I would like to bring your attention to a serious issue I have with Coinbasewires that first took place on the XXXX of XX/XX/2019. I have been victimized by a multilayered scam operation orchestrated byXXXXs - the Company. The funds were transferred utilizing Coinbase   's services in the total amount of XXXX XXXX! I would also like to point out that on the XXXX of XXXX XXXX I filed a dispute with Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: CITIBANK, N.A.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a XXXX 's account on my credit file that is inaccurate. It states the credit card was established I my name in XXXX XXXX I just turned XXXX this in not my account. I have requested validation of this credit card and have not received any paperwork with my signature to verify this is my debt, I have reached out the credit agencies on numerous times to have this information removed. I am being told the debt is valid however with no proof. I would like to have this credit card removed from my file XXXX account number XXXX from all three credit companies

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