BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax and XXXX allows companies to place extremely old items on my report. I have had collection accounts that were recently placed on my report that deducted 23 points. I had it IMMEDIATELY REMOVED my score has never gone back up. They allow 1 car purchase inquiry turn into 15 individual inquiries. I know that they are not contacting the companies correctly for my disputes because I have documentation and they tell you to Mail it or call the creditor. I want my credit report to be 100 % corrected. I have been told that I can only dispute something one time. My score NEVER recovers when they allow accounts that are fraudulent or outdated to be placed on your report. I would like a executive to go over my account that SPEAKS ENGLISH VERY WELL. I would like my score done correctly. Including the inquires. They take 33 points off because of 2 inquires and when they finally came off I got 11 points back. This company is solely driven by the companies that pay them to report their accounts. The actual consumer gets roadblocks and data breaches. This company should never be allow to function as a agent for good people trying to succeed in life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: General Motors Financial Company, Inc.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX violated my consumer rights. A representative from XXXX XXXX whom I spoke with on XX/XX/2020 in regards to a previous auto account assumed the role of original creditor and told me that the remaining balance of {$11000.00} could be negotiated down to 50 % of that amounting to {$5900.00}. Then this same representative made the statement that GM financial is  currently offering " tax season promotion '' and that I could have {$5900.00} negotiated down to 30 % of that amount. The final amount presented to me was {$3500.00}. This same representative asked if/when will file my federal taxes and went on to say that " if I file my taxes on a certain day I can be sure to receive them by a certain day thus be able to pay XXXX XXXX. I did not know that a representative from XXXX XXXX could speak on behalf on the United States Federal Government. This is also misleading information because 30 % of {$5900.00} is {$1700.00}. Also I called GM financial to verify their " tax season promotion '' and GM financial 's representative ( # XXXX ) stated this is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My Loan is with Fay Servicing ( wwwfayservicing.com ) loan number XXXX. In XXXX my payment jumped from $ XXXX a month to $ XXXX. I went ahead and paid the full amount. Since then I have been calling them for 40 days trying to get an escrow analysis and itemization of the credits and debits on the escrow balance. I have literally spoke with 6 different representatives that have provided no information nor documentation. Further, since I didn't receive and answer nor any documents, I went ahead and paid the XXXX payment as well in the amount of XXXX. All I am requesting are these documents to see why the payment went up and to make sure the payments were made correctly to the insurance company and county. I am requesting all documents since the conception of my loan. I know that they are violating some law due to the timeframe that is mandated by servicers to provide information to their clients. Your assistance in this matter would be greatly appreciated. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: Experian Information Solutions Inc.
State: CT
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:
Experian/XXXX  refuse to remove XXXX  and XXXX  XXXX XXXX inquiry from my credit remove

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 2018-06-09
Company: Shermeta Law Group, PLLC
State: MI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX denide my identity theft complaint. They continued try and garnish me and take me to court. Have stoped any collection activity against me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Company I am complaining about : Experian Mismanaged product offered : Credit Freeze Problems caused by Experian : unable to obtain or increase credit. 

I cancelled a credit freeze at Experian prior to last XX/XX/2019. On their website, it confirms that I do not have a credit freeze. However, this is not the experience when I interact with vendors, creditors, banks. I recently attempted to increase my credit card limit with XXXX. They told me they could not proceed because I still had an active credit freeze with Experian. I ran into a similar situation for months last year attempting to get credit approval to subscribe to a new XXXX XXXX XXXX Internet service. 

Experian needs to fix this situation by truly cancelling the credit freeze on my account so lenders, creditors, suppliers have access to my credit information and approve any related transaction. Just showing that my credit freeze is not active on the website does not mean anything if their internal system do not reflect the same 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 2019-08-27
Company: PNC Bank N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello, The credit card that I have never sent me any statement for a while therefore, I never got any notification about paying my bill till I got a letter saying that I owe {$27.00} late fee and {$3.00} in interest. I called the bank to sort it out but they said that they will file a complaint and get back to me. Weeks passed and I see another {$38.00} late fee and {$5.00} in interest added to my account. I call again and they mentioned that there were no complaints that were filed and nothing would happen. They said that they will submit another complaint and get back to me. Someone finally got back to me today telling me that I setup online statements on my own which never happened and they won't be able to refund the fees and I have to pay them. I asked to speak to a manager and they promised a call back but I got nothing. As of today, XX/XX/2019 XXXX XXXX, there is an amount of {$74.00} in fees in my account. I am afraid this will keep increasing with no resolution and dont really know who I should contact. I really never want to use this bank again due to the frustration that they cause to people. I am glad that I am not too old and have to deal with this as this may cause serious health issues to an elderly person. 
Please let me know if you need me to provide any proof or any other info.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Capital One continues to send UNSOLICITED credit card offers to my house for a person named XXXX XXXX. This person has not lived at this address in over 7 years. Capital One sends on average of 4-5 offers PER WEEK. I have consistently asked them to STOP SENDING these offers to this address. Yet they continue to do so, and I am tired of it. We are NOT interested in any Capital One products, we currently DO NOT have any Capital One products, and we do NOT PLAN on obtaining any Capital One products.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
In according with the FCRA, list of accounts below has violated my FEDERALLY PROTECTED CONSUMER RIGHTS and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

15 U.SC. 1681 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions EXCEPT as authorized under subsection ( b ) of this section, 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 records of convictions of crimes which antedates the report by more than seven years.

A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing 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 2021-04-01
Company: ACIMA CREDIT, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
The leasing company XXXX is completey a sham and provides misleading and false information to lure consumers. On XX/XX/XXXX I was advised by XXXX XXXX XXXX in XXXX, VA that if I wanted to purchase a washer and dryer I would need to use the XXXX XXXX leasing company, XXXX. I was advised by the store rep the lease would only require a {$52.00} payment to begin the lease and that would be the only fee to XXXX, if I selected the XXXX day payoff. The items I selected at XXXX XXXX XXXX were a washer and dryer, both under {$500.00} each. I was told by the rep at XXXX XXXX XXXX that I would need to purchase an extender warranty for {$1500.00}. A week after the purchase I contacted XXXX in order to ensure the account was set for a XXXX day payoff. I was advised the account was set for a XXXX  day payoff and the payments would be XXXX XXXX monthly to accomodate the XXXX  day payoff. On XX/XX/XXXX I contacted XXXX to inquire about the remaining payoff, and I was advised by an XXXX rep that I would need to pay an additional $ XXXX {$400.00} in order to pay off my account for the XXXX  day payoff. When I asked for an extension to the XXXX  day payoff ( in order to properly look into the account ), the rep informed me that I could only receive an extension for XXXX week and it would cost me an additional {$100.00}. I also asked the rep repeatedly to provide me with details as to why I was being charged additional money other than the amount of the store purchase the rep refused and told me that I needed to refer back to the leasing agreement, however, I never received a leasing agreement. The email that I initially received from XXXX did not display the lease agreement. So if there were hidden charges I was not aware and that would go against what the XXXX  day payoff was offered in the store. XXXX has been less than professional, failed to be transparent, and the POOR customer service makes contacting and communication with XXXX so strenuous and draining, which overall makes it difficult to receive the proper and appropriate information. Basically, XXXX is using tactics to charge more than XXXX  day payoff and deters customers from receiving the proper information. I feel like I was duped into doing business with Acima by the XXXX XXXX XXXX XXXX knowing the false and misleading payment method of XXXX  day payoff. Also, this shady company does not make exceptions for me after being impacted by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: Credit Control, LLC
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company is repeatedly calling, harassing me ... .they didn't have correct information for an account they were trying to collect on. I've included my call logs.

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 2020-02-06
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On Tuesday XX/XX/XXXX a criminal opened a fraudulent account in my name with the phone company XXXX. They purchased 3 phones and set up a data plan using my name and bank card information to do so. I became aware of this late in the evening Tuesday when I received an email from XXXX advising me that " my order had been shipped. '' When I saw the email, I assumed it was a phishing email and forwarded it to my husband to take a closer look at it in the morning. Wednesday morning, XX/XX/XXXX my husband determined that this was a real transaction, and contacted XXXX and our bank which is PNC advising both companies that this was not us, we did not make these purchases and that this was Fraudulent activity occurring. We contacted XXXX which is the logistics carrier that the phones were shipped through and determined that the criminal who had done this had them set up to " ship '' to our home address and as soon as the phones were in XXXX possession and actively shipping the criminal went on to the XXXX website and placed a " hold '' request on the package, so that rather than being delivered to our home address the package would instead be held at the local XXXX distribution facility to be " picked up '' in person by the criminal. I was able to speak with someone at the XXXX distribution facility and explain what was going on so as to insure that they did not hand the package over to the criminal that had orchestrated this. XXXX made sure that these items were returned to XXXX and we reported this situation to our local police department on the same day, Wednesday-XX/XX/XXXX. We had 2 charges appear against my bankcard on Wednesday. One charge was from XXXX for {$72.00} the other charge was for XXXX for {$50.00} both of these charges were result of Fraud being perpetrated using my bankcard information. PNC cancelled my bankcard and initiated their own investigation on Wednesday XX/XX/XXXX. XXXX has the fraudulent phone accounts locked and are actively investigating the situation. I arrived at your website to report this per advice from XXXX to do so. The {$50.00} XXXX charge was stopped while still pending on our checking account. The XXXX  charge eventually rolled from pending to charged against our checking account in the days following this incident occurring. XXXX advises that they are in the processing of reversing the charge. I have also received a paper bill from XXXX today, Thursday-XX/XX/XXXX for {$170.00} for the fraudulent account that was set up and the phones and data plan that were purchased by this criminal. I called XXXX about having received this bill today against an account that they are aware is fraudulent. They advised that the fraud team is actively working on the issues attached to this fraud and that I will not be held responsible for the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, My loan was tansferred to Shellpoint Mortage in XXXX of XXXX from XXXX XXXX. The mortage company did not pay my property taxes until XXXX of XXXX and the additional escrow funds in the amount of {$3800.00} seem to have disappeareed between the two lenders. Spellpoint Mortgage sent my home owners insurance payment to XXXX for the entire year. The policy premium was {$4800.00} The payment caused my morgage to inctease by {$300.00} dollars because of the negative escrow balance. In XXXX of XXXX, I called Shellpoint Mortgage to ask what needed to be done to pay my insurance directly to XXXX independently. I was told to write a letter requesting my changes. I wrote the letter and started the direct drafts for my checking account to XXXX. However, when the policy renewed, Shellpoint Mortgage ontined to send payments to XXXX in XXXX of XXXX they sent a check for {$4800.00} which exceeded the amount if my premium. XXXX returned the check and they stated they did not receive the entire amount. On XXXX XXXX, my attorney send a letter to Shellpoint reitterating the things spoken by me. However, Shellpoint sent another check to XXXX on XX/XX/XXXX in the amount of {$3500.00}. Thi casue XXXX to refund payments that we individually dfated from my account to be refunded to me. I had to go through the same procedure of calling both Shellpoint and XXXX to request XXXX refund the check to Shellpoint and reverse the personal paymentsmadae to my premium. 

I am truly frustrated with Shellpoint Mortgage and would hope that something could be done to force them to treat me as a valued customer, omplete and escrow analysis, and remove my homeowners insurance premium and PMI off the escrow account as soon as possible. 

Your attention and promptness to this matter would be grately appreciated. In a time of COVID-19, I am definiitely ocusing on maintaining without additional stress added to inpact me and my family. 

Best regards

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, USAA closed my account for identity theft. The issue is I am the victim. I contacted USAA with an issue with being unable to add my daughter to my account because her social was connected to my old social security number that identity theft occurred on since XX/XX/XXXX. I proved to a new social was needed and was advised to open a new account instead of just updating my social on my original profile. NO ONE from the id theft department contacted me from USAA and apparently reading the reviews online this is done often.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
My complaint is about the coinbase exchange. I have used coinbase for more than 4 years and I have never had a problem but now they have blocked my account for no reason, with funds in staking and they tell me that they are reviewing the account but the review never ends. I have level 2 verification and have never had a similar problem on any exchange. 
www.coinbase.com

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XXXX XXXX, I called my federal student loan servicer, PHEAA, to request that the additional payments ( beyond the minimum due ) I was putting towards my loans each month be targeted at my highest interest loans first, in descending order. I was informed by the person I spoke with at PHEAA that I would have to message them through their online portal to do so. I did this on XXXX XXXX, XXXX. 

The next month, I saw that my additional payment had not been targeted at my highest interest loans, but simply disbursed equally among all of my loans as it had in previous months. I called PHEAA again, and was informed that I would have to hand-write and sign a letter ordering them to disburse the payments in the manner I wanted, scan this letter, and upload it through their online portal ( at myfedloan.org ). Frustrated, I did so on XXXX XXXX, XXXX. 

The issue finally seemed to be resolved, and for several months my additional payment was targeted at my highest-interest loan. However, on checking the disbursement this month, I discovered to my dismay that they had again disbursed my additional payment equally among all of my loans in direct violation of my request -- twice over the phone, once through an email, and once through a hand-written letter that was scanned and uploaded to PHEAA 's awful website.
It is unclear how to proceed as PHEAA seems perennially unable to fallow the simplest directions in a task that seems incredibly easy ( i.e., just taking several hundred dollars that I am *trying* to give them each month ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: Harpeth Financial Services, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX in XXXX, TN is suing me for Advance Financial 24/7 as the original creditor. This law firm sued me well before the 30 days their letter said they would give me by law. They broke the law and the Fair Credit Reporting Act. 

In UNDER 30 days, I already had a summons to appear in court. 

I have contacted other agencies as well but these people are highly unethical in their dealings as a business and law firm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation