BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-23
Company: BMW Financial Services NA, LLC
State: CA
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 returned my XXXX XXXX on XX/XX/XXXX, due to lease end. I returned the car to XXXX XXXX at XXXX XXXX, CA, where the car was inspected and the only problem was reported was front bumper and I agreed to pay {$400.00} to resolve this. Other than that there was not damages to the car as of XX/XX/XXXX. ( see inspection report attached ). On XX/XX/XXXX, I received a bill from BMW Financial, that I owe {$1600.00} due to the crack of one monitor. According to BMW Financial this was discover on the auction house that the car was transferred on XX/XX/XXXX. 

I do not accept this charges because at the time of the return ( XX/XX/XXXX ) there was no damages to the car. I insist that the damage was done after I left the car at the dealer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: EQUIFAX, INC.
State: MI
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: Investigation took more than 30 days

Complaint:
XXXX became the more friendlier XXXX XXXX about 18 months ago. At that time was reporting trade line with all three credit agency, disappear when became XXXX XXXX. I have been trying to get the more friendlier XXXX XXXX to report trade line. They continuous send to research department with no results! This time they said they need a additional 15 days to come up with no solutions. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: EQUIFAX, INC.
State: AR
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 trying to get my son a new vehicle because it broke down. My salesman told me that I would be eligible, but with a very high interest rate due to credit. I then asked to see my report and realized there were things on my credit I have never see. These items need to be removed as soon as possible. XXXX XXXX   XXXX {$79.00} XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX {$59.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: EQUIFAX, INC.
State: CO
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've sent in disputes and also spoke so individuals in the office of consumer affairs about these unauthorized inquries and was told that they could not dispute them and to contact the companies listed which I did and was told to dispute it with the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: Nationwide Recovery Systems, Ltd
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I was fasely changed by an apartment complex XXXX XXXX XXXX  I persued them in District court they they took me to Magistrate Court Where we sttled by agreeing to drop both cases without either Party owing the other and I agreed to relocate with I did by date agreed to The company which owned the complex then closed The Complex was then sold to another company This new company has contacted The XXXX XXXX XXXX XXXX with my information and they are harassing for a debt not owed and also damaging my lifestyle and credit through each of the credit bureaus XXXX XXXX and XXXX Can you help me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I reached out to ECSI via their contact us page 3 times and each time they closed out my request. I'm currently living and studying abroad and when I alerted the company ; instead of correcting my credit report as current and deferred, they closed all 3 cases. I live abroad and it is impossible with the time difference to contact them. During this pandemic is my school even completing any forms to show enrollment. What this company is doing is illegal, i even asked for a supervisor and instead they closed my request. 

XX/XX/XXXX - Ticket XXXX XX/XX/XXXX - Ticket XXXX XX/XX/XXXX - Ticket XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I applied for three products, at the same time. It is a requirement listed in the account agreement that an interested applicant must be a member in order to be eligible to apply for any other products or services. This fact is pretty consistent in the banking and credit union arena, but what isn't commonplace ( as far as im able to conceptualize ) is why a savings account would be declined based on credit factors, when there are no credit or even debit capabilities other than overdraft protection for a linked checking account. Further, I was interested in applying for a XXXX  checking account, but since that requires an in person application process I began with a free checking account application, along with my initial reason for my visit of an auto loan, as well as the aforementioned savings account. The adverse action notice was written as though my application was for an auto loan and savings, and was declined for both products, which is fine. My concern isn't that i am being denied financial products, the financial industry is designed to make it very difficult for people with less than desirable credit profiles to secure anything worthy of being called credit, that is nothing new for me, going on 8 years of denial notices already in my attempt to climb back up. My concern lies here : What happened to my Checking account application? There is no mention of or inkling showing any sign that I even applied, but I definitely did, because ( as per the terms of the credit unions requirements for membership ), it was required in order for me to apply for an auto loan. Were the documents ignored, or misplaced? Either way I feel taken aback, confused about the adverse action notice for a savings account, and concerned that my personal information was misplaced, hacked, stolen, or deleted without my knowledge.

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 2022-07-05
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I had an XXXX  XXXX XXXX XXXX card with XXXX Bank for five years. The account was set up to make the minimum payment automatically if I didn't schedule a payment myself. At some point in the last few months the account was sold to Comentiy Capital Bank. I did not receive any info regarding this or a new card. I checked my credit report last week and found that this account is now two months past due. After some research I found out about the sale of my account and contacted Comenity. Until this issue with Comenity I had 100 % perfect payment status on all credit bureaus. Comenity was unwilling to fix this situation. I do not have a card from them or access to manage the account. I was never told that my auto payments would be cancelled and that I would have to set them up anew. I have no issue with paying my bills.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-28
Company: Diversified Consultants, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Had a balanced owed from XXXX. They said I never returned my XXXX TV receivers. I took it to a XXXX store and dropped it off and the individual there put it in a bin and sent me on my way. In XXXX of XXXX a mortgage lender ran my credit and everything was perfect. In XX/XX/XXXX he ran it again and there was a collection. It was added to my credit report on XXXX of XXXX. It made my credit score go down roughly 100 points at XXXX and roughly 150 points at XXXX. I was actually planning on using XXXX at this new home I purchase - may not now. I would have kept the service but I moved to an apartment that provided me with cable and tv for free. Never heard about this debt until the mortgage lender told me. Called the debt collector and they said they never tried to contact me, first point of contact was when I called them in XXXX of XXXX. Why did they not contact me the previous 4-5 months?!? XXXX should know I'm not gon na reply to written mail because I don't live there! I returned the equipment, what am I going to use it for? I do not have XXXX service and if I do get new service, from my recollection, the equipment is free! They said they sent me a check for {$70.00} as well that I never got so obviously I never got any notice that I owed {$520.00} dollars and that they never received the receivers from XXXX - again not my fault. The debt collector also has my name incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: CONTRACT CALLERS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt keeps popping back up on my credit report in different amounts. I am not sure if XXXX has sold it to one company who then sold it to another company and so on and so on. The debt has been satisfied a long time ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: First Credit Services Inc.
State: OH
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:
On XX/XX/XXXX I contact First Credit and agreed to pay the outstanding debt of {$120.00} from XXXX, even though I disputed it, because I needed my credit bureau updated to get a loan. This debt is one of the reasons I was denied. They refused to remove it, even if I paid. Upon receiving the validation of the debt, I discovered that the last payment made was XX/XX/XXXX. Therefore, after 7 years, this debt should have been removed from my credit report. I complained to the company. They didn't respond. I filed a complaint with the XXXX XXXX XXXX and the company 's response was that the statute of limitations in Ohio was 8 years and that they were going to continue to report it because they had been trying to collect it for several years. Regardless of whether or not I have paid or not, they are obligated to remove it from my credit bureau after 7 years, even in Ohio. I verified with the Attorney General 's office that this is correct. They may be able to continue to try to collect ( I don't know I haven't looked into that ) ... but they need to remove it from my credit reports ( all three ). They are refusing and violating my rights over {$120.00} because I have ignored their collection calls for years.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
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: Account status incorrect

Complaint:
I applied to refinance the vehicle loan from wife to husband 's name on in XX/XX/2017. After speaking to XXXX from the application department/customer service, the loan was declined and cancelled over the phone due to XXXX does not provide 3rd party transfer vehicle loan. I need to transfer the title of the vehicle with the refinance as soon as possible due to divorce and finally complete the process by applying the loan with XXXX XXXX. 
Although the loan was declined and cancelled by XXXX, XXXX Account department sent out the payoff check to XXXX XXXX  on XX/XX/2017 which has wrongly payoff XXXX XXXX  loan and activated a loan account at XXXX XXXX  for a loan that I was told to be denied. 
Again, the loan is supposed to be cancelled as stated by the XXXX representative and I have successfully obtained a loan from XXXX XXXX. When XXXX XXXX sent payoff check to XXXX XXXX  to pay off the original XXXX XXXX Auto loan for the XXXX  XXXX. XXXX XXXX  returned the check from XXXX due to XXXX payment and sent title to XXXX. It created a huge issue with my vehicle title which did not allow me to renew my registration although it was past due and all the interest and late fee from XXXX. After all the phone calls and mails negotiation over 1 year with the help of our attorney, XXXX successfully submitted payment to Nationwide but the payoff amount from XXXX was different from the original loan amount or the payoff amount sent from XXXX at Customer Service Department for {$42000.00}. 
The credit history reported by XXXX on my credit report is incorrect! It shows that I have an account with XXXX bank that is closed by pay status as Collection/Chargeoff. There should not be any collection/chargeoff since the loan was originally cancelled by XXXX at XXXX and there should have no payoff to be sent from XXXX. I have never made payment to XXXX as the fact that I do not have a loan with XXXX. Now that my credit is all ruined because of XXXX mistake and this has to be removed from my credit report ASAP! 
XXXX is the worst bank with the worst customer service that I have ever experienced! I took my over 1 year and the issue is still not resolved. Every time I call to get this auto loan issue to be followed up, there is no response and no ownership for the mistake this bank made. All I received from XXXX is collection call and collection mail. 
I demand the XXXX bank reporting error on my credit report to be removed and the issue of this wrongful payoff has to be resolved immediately.

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 2020-10-11
Company: LendingPoint Holdings LLC
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
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:
I currently have a personal loan with lending point. I had a late payment on my account which was reported to the credit bureaus. I am currently recovering from XXXX XXXX and in my recovery time I was unable to make the payment. I have proof of my recovery and I have contacted them and got no help. I received a phone call from my other credit cards regarding my payment being almost 30days past due, never did I from lending point.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Dear CFPB Investigator, How are you? 

The report I like to make today is the concern of the potential criminal activity with my file at XXXX. 

1. XXXX XXXX XXXX open at 2018 closed 2. XXXX XXXX at 2018 open 3. XXXX XXXX XXXX XXXX at Houston 2018 still open 4. XXXX XXXX at Houston 2018 still open The suspect is the XXXX   Police Department officer name : XXXX XXXX.

Her potetial criminal activities are : Cyber Crime Law - Computer Criminals target people online for various financial scams, which have become so prevalent that many of these crimes go unreported - Harassment and Stalking - Activities relating to material constituting medical malpractice - Procedural laws refer to government agencies and their authority to get electronic data from internet providers, third parties and computing devices Crimes against property - Larceny - Embezzelment I am working on a report for FBI at XXXX, and if you need further assistance please contact 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 explanation
Consumer complaint received 2019-05-29
Company: ENCORE CAPITAL GROUP INC.
State: NJ
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:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX etc they have been contacting me at my office I told them to stop contacting me at work and they keep calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-05
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear CFPB, My Name : XXXX XXXX XXXX I'm From : XXXX XXXX My email account Coinbase : XXXX My balance : XXXX ETH My account temporarily disabled since XX/XX/XXXX. I have been waiting for more than 2 year. 

I have been submitting support for the past 2 year but still have not received a response from Coinase. 

I trust coinbase wallet service and all my assets were deposited into the Coinbase wallet however it was locked even though I have shown many evidences that I have not violated your policies. Since I only used wallet storage eth. 

The year XXXX has been a year of the Covid pandemic and my account still be locked, it is making me stand on the brink of being unable to pay for the living expenses and care for my family. 

I hope the support team will help me out of it soon so that I can take care of my family. 

Please help me send my balance to the external wallet address. 

Thank you very much

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TD BANK US HOLDING COMPANY
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:
Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I sent a letter via certified mail requesting Equifax to look into accounts that where reporting inaccurately on my credit report with them. 

On XX/XX/XXXX I received a response letter. However XXXX  did not correct these accounts. In fact after further looking at my credit report Equifax did not even update my file meaning they did not even conduct an investigation that I originally requested on my accounts. 

On XX/XX/XXXX I sent another letter via Certified mail requesting proof of the their investigation into my credit profile. I highlighted all the accounts in question and sent it back to them. 

On XX/XX/XXXX I received a letter in the mail that they WOULD NOT INVESTIGATE any further into my accounts. This is a violation of my rights according to the FCRA. Equifax can not report information that is incorrect on my profile. Equifax wont even look into this matter giving me proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I was late ONE TIME, by ONE DAY, and Citi has increased my interest rate from 14.49 to 29.99!! ONE DAY LATE! When I called in, they indicated that they wouldn't do a thing for me for six months. This is UNACCEPTABLE! This kind of financial terrorism should not be allowed by Banks. It's completely unreasonable and I want this adjusted back, immediately.

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 2021-08-19
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan is serviced by Santander Bank. I have been trying for months now to get them to pay the property taxes for my house, for which I pay into an escrow account every month. They have also failed to pay the insurance bill. 

I received a notice from the bank that I don't have insurance with a threat to purchase the bank insurance so I needed to pay for the insurance while my money sits in escrow. 

Most recently I received a lien notice from Department of Finance for unpaid tax bills and now I fear my house may be foreclosed on.

This is all while I continue to pay into my escrow account. I have called numerous times over the past three months, and each time am told that they are looking into the issue but nothing is being done. The most recent time I called and asked to speak to a supervisor. I was told that they do not accept incoming calls and was promptly hung up on. 

I am at the end of my rope and do not know what else to do. I continue to pay for an escrow account while my insurance and tax bills remain unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: Bread Financial Holdings, Inc.
State: FL
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:
harassment excessive calls after i filed Chapter XXXX Bankruptcy. Excessive calls daily and over 50 in a month

Company response to consumer: Closed with explanation