BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-16
Company: General Motors Financial Company, Inc.
State: VA
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:
1. I sent a letter to GM Financial that asked them to remove the tradeline ; there was no response 2. I disputed the debt again as it should have been removed per what I read on FCRA, no response 3. I tried to make a payment arrangement no response I am asking that the credit bureaus all remove this tradeline as it is well past 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: U.S. BANCORP
State: NE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I purchased a property using US Bank as my lender many years ago. We fail on hard times fraught with medical issues and were unable to keep our property. They foreclosed on my property XXXX XXXX XXXX XXXX NE XXXX XXXX XXXX, XXXX and the property was sold on XXXX XXXX, XXXX for more than the amount owed on the property. US Bank paid off the first mortgage and forgot to pay off the second mortgage # XXXX also through US Bank. US Bank harassed me from the date the property was sold and still are. They have even gone as far as to contact my Insurance Company demanding I have property insurance on a property they themselves sold. They would call me almost every single day and I have talked to many of representatives explaining the same thing that I do n't owe US Bank any money and why. Finally, I received a letter from US Bank XXXX XXXX, XXXX Stating that the second loan would be removed from the system at the end of the year. The XXXX XXXX was XXXX XXXX from the XXXX XXXX Department. I followed up with US Bank and was told due to an Error on their part is why I had to wait until the end of the year. In the meanwhile, US Bank has been reporting delinquent payments to the 3 major Credit Bureaus. When I contact US Bank they tell me that I owe this money they can only go on whats filed and keep requesting I set up a payment arrangement to settle the account. 

Not only do I want my credit fixed and the loan to be removed but I am seriously concerned about any other US Bank Customers. There is obviously a huge issue in their policies and procedures and a huge loss of communication. Basically, they are sloppy. How does a bank try to get insurance on a home they themselves sold? Forget to pay their own loan? Report derogatory credit on a settled account. I feel it is imperative that these policies and procedures are looked at through a microscope. 

I also request an apology 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 monetary relief
Consumer complaint received 2022-02-16
Company: LAKEVIEW LOAN SERVICING, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
You will see past complaints because I have been fighting numerous issues since XXXX. You just closed the prior complaint against Lakeview but they only addressed one of the two issues. They FINALLY realized their error in double paying a tax bill for XXXX and FINALLY reimbursed the amount and then redid the escrow analysis but they neglected to address the {$210.00} that they paid on XX/XX/2021 ( the same time they double paid the XXXX. 

This {$210.00} was a penalty payment that the prior lender charged to me in error. They admitted fault for not paying the tax bill from my escrow and after much effort Lakeview finally reimbursed me the fee. The money was sent from XXXX to Lakeview. Only to have Lakeview turn around and charge me again!!!. 

I am requesting the reimbursement of {$210.00} back to my escrow and then request that they once again run the escrow analysis. This is now going on 6 months that I have been fighting these issues first with XXXX and then with Lakeview. The beginning escrow shortage was over {$2000.00} all of which was errors on both lenders behalf. I am beyond frustrated!

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: 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 belongs to someone else

Complaint:
I have reviewed my credit report and there are some fraudulent account appearing on my credit report. Please see attached documents.

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 2022-08-12
Company: Bay Area Receivables, Inc
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have filed collection disputes with credit bureaus, with documentation showing the debt was paid prior to going to collections. The company refuses to remove debt despite the receipts and invoices of amounts paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-29
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
CoinBase Has locked my account, I can not buy/sell or transfer crypto currency.  I owe XXXX dollars on the account and it is in good standing.. I have been trying to contact them for almost a month and I did not get my emails answered. I called them today and spoke with a woman she said she was going to escalate it.  And that she is sorry.. This is unacceptable to be holding my money like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Rozlin Financial Group, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I opened an account with XXXX on XX/XX/XXXX not knowing it was a XXXX subscription until I received the email right after. I then called XXXX  within 2hours to cancel my account stating I did not know this was a XXXX subscription, they had already took a one month subscription for XXXX and I was told that I owe XXXX. I told them to cancel my account and that I did not want a XXXX subscription, my account was then canceled on XX/XX/XXXX and they stated I could not have the XXXX refunded and I still need to pay XXXX even if the account is closed.I let them know that I would not be paying for a subscription that I am not using and that I should not have to pay since closed the account. I was contacted on XX/XX/XXXX by a collection agency RFGI XXXX XXXX XXXX stating that I owe a debt of XXXX to XXXX and they would to collect this date within 90 or they will report this to the credit bureau and this would affect my credit. I ask them if they had my social security number she stated yes, I proceeded to ask how did you get my social security number I never gave my social security number to XXXX she told me that they had my social security number, and she then was able to provide me with my social security number in which I never disclosed to them or XXXX. I then ask for a supervisor XXXX XXXX to ask how did they obtain my personal information meaning my social security number.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: EQUIFAX, 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 belongs to someone else

Complaint:
I've never even been contacted by this people in the past. I have no idea who they are and never did any business with them ... Please delete this account and tell the company to be more careful on how they handle their reporting XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt was a credit card debt that was a ) discharged through bankruptcy and b ) a credit card of my deceased husband. This is also over 7 years old and as been off my credit report for years. Just showed back up since taken over by Portfo! I'm  Recovery for whatever reason. Portfolio Recovery are ghouls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: MIB Group, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX I applied for a Life Insurance policy with XXXX XXXX XXXX XXXX in response to their solicitation. On XX/XX/XXXX I received a response letter from XXXX stating that they were unable to offer me a policy because of information contained in my MIB report. Knowing full well there could be nothing adverse, I requested, per the instructions in XXXX 's letter, a Consumer file from MIB. ( MIB Reference # XXXX ) .I was particularly interested in this report because I had been denied from 2 other applications - the reasons which were not offered. XXXX was the only company that gave me the MIB contact information. On XX/XX/XXXX I received the MIB report which clearly illustrates my being denied any insurance coverage from XXXX or the other applications. On page 2 of 6 of the report : " Reporting Company Name : XXXX XXXX XXXX XXXX XXXX Report Date : XX/XX/XXXX XXXX XXXX. Under treatment, not XXXX. Information obtained from licensed physicians or medical practitioners, hospitals, clinics, or other medical or medically related facilities. Within 3-5 years of application. " The " XXXX XXXX '' was from a work related accident where I XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. This was in XX/XX/XXXX. My very last visit with regard to any XXXX was to my XXXX, XXXX XXXX XXXX was in XX/XX/XXXX, at which time his record indicates all issues are resolved and no further treatment required. This entry in my records indicating a " report date '' ( XX/XX/XXXX ) clearly make it appear that is when this condition was present. Further proof that this error is still causing problems would be my appeal letter explaining this to XXXX AND then receiving their denial again of a policy because I have a " XXXX XXXX ''. They obviously did not even read my letter of explanation. So yes, I am very upset and feel this is misinformation on my record causing me to be unable to obtain the desired life insurance policy for my children 's benefit. In all fairness to XXXX they did offer to extend me the opportunity to have a complete physical and obtain a policy at a competitive rate. This is a nice offer and I may just have to take them up on it to prove my excellent health, but the fact that my file contains inaccurate information that needs to be corrected is my priority as I am sure you can appreciate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I had a tenant who did not pay the rent for 14 months from XXXX XXXX XXXX.I made the payment all the way to XXXX XXXXfor the XXXX XXXX. I have paid taxses and insirance on my own for that house. On top of paying the mortgage and everything else for the house I live in. 
Being in this difficult situation I called the Bank of America to help me since the tenant was paying nothing. I was covered all the way ti XXXX of XXXX,. 
XXXX Ifot a letter from a debt collector, and my credit score dropped 142 points. This was done without any notice, despite of the fact tha It is not XXXX yet. This bank has been collecting money since XXXX for this Home Equity and they are so greedy in the midst of Covid 19?

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 2019-08-01
Company: Resurgent Capital Services L.P.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
LVNV is garnishing my wages and stated that I had been served on XX/XX/XXXX and that judgement on the account was on XX/XX/XXXX. My complaint ... oh there are many as this is NOT being handled well AT ALL. They are still not reporting payments made but I will not get into that at this time. In my previous complaint I had concern over the huge difference in amount and being charged interest ... their reply stated that the judgment stated they could charge 10 % from the date of judgment until the judgment was paid in full. So this tiny little balance of an alleged debt they can not show proof by contract or signature for has grown to almost {$1200.00} which has been paid via garnishment in XXXX through my pay. Why if judgement was made on XX/XX/XXXX did they wait until XXXX of XXXX to start garnishing my wages if not to just grow this 10 % interest. I checked my credit reports and my employer information has always been reported, there has never been any question as to where I worked. I also know they were aware of my last employer because they kept calling me AT WORK and threatening me with jail time and garnishment if I did not pay them in full right then and there which I did not believe and told them as much because again ... I NEVER GOT SERVED for this alleged debt. Oh I would have shown up and requested exactly what I have been all along ... proof and validation of debt by contract and my signature which they have not been able to provide. Now I have been told that my employer has to call them to get a pay off amount next week. Even they said in their 30 years of all sorts of garnishments coming out of paychecks, they have never had to call to get a pay off ... they have only ever had to pay the amount provided on the writ provided from the court. So again ... why is this different. I also have never been answered why they demanded my employer provide hem with my personal bank account name, routing and account number? This is very personal private information that was provided to someone I did not authorize. As a victim of identity theft already and still fighting my way through t all I am very protective of my personal information so this makes me very uncomfortable and do not understand why they would have the right to require this information or even need it since my employer is the one garnishing my wages and sending the money in check form.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
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 belongs to someone else

Complaint:
Im a victim of identity theft. I have inquirys in my credit report I do not make. Please block these inquirys from my credit report because they are fraudulent landmark financial XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX  XXXX/XXXX XXXX  XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX   XXXX XXXX. XX/XX/XXXX. XXXX XXXX  XXXX XX/XX/XXXX. XXXX XXXX. XX/XX/XXXX. XXXX/XXXX. XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX. XX/XX/XXXX. XXXX XXXX. XX/XX/XXXX. XXXX. XX/XX/XXXX. XXXX XXXX. XX/XX/XXXX. XXXX XXXX. XX/XX/XXXX. XXXX XXXX. XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX. XX/XX/XXXX. XXXX XXXX. XXXX XX/XX/XXXX. XXXX XXXX. XX/XX/XXXX. XXXX XXXX XXXX   XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX. XXXX. XXXX   XXXX. XX/XX/XXXX. XXXX/XXXX. XX/XX/XXXX. XXXX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XXXX. XXXX XX/XX/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 2019-08-08
Company: Credit Corp Solutions Inc.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Credit Corp Solutions called my mother, XXXX XXXX, on XX/XX/2019, disclossed that they were a debt collector & disclosed my name despite the agency already having my contact information including my number and address. 

The agents information : XXXX XXXX Ex XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: PNC Bank N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account with Pnc bank earlier this month just to pay bills. I deposited a check I received from XXXX XXXX  and they initially accepted it and it cleared. The next day they reversed it and charged a returned check fee. They said it was altered which I dont know how. When I used their mobile deposit feature it said my signature was too light so I traced over my name with black ink so they would accept it. If that was the mistake then my bad. 

I reached out to XXXX and they were useless. They said call the returns department or the escalation department. I kept asking them what will it take to get my money back and they wont tell me except for me to give my information to their escalations department. Mind you, Im on vacation and I dont want to deal with this XXXX. I tried to resolve it before vacation but I couldnt. Just run me my money and Ill leave you alone. The only reason why I joined this sorry excuse for a bank is because I could have an account under my married name. It took me almost a year to find a bank that let me open up an account under my married name and let me deposit this check I received from XXXX, despite being born and raised in the US.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
on XX/XX/XXXX, I made XXXX deposits of {$10000.00} each to the company XXXX of XXXX for the purchase of a XXXX tahoe XXXX, I was supposed to receive the vehicle after made the 2 deposits, but the person did not do so because he said he had only received 1 deposit, he just sent me the shipping receipt. The bank confirmed me that the 2 payments were made correctly, the person told me that he would give me a refund on Monday, XX/XX/XXXX, but I did not receive anything, and they stopped answering messages and calls, i was scammed. 
I made the fraud claim to the bank, but unfortunately the couldn't do anything. 
After an investigation made it by myself, i discovered that the company is fake.

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 2021-09-21
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 a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My investigation has been going on for 30 days now and I still don't have investigation results. According to the fair credit act this is a violation of my rights.

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 2019-06-05
Company: Mr. Cooper Group Inc.
State: NC
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:
Mr. Cooper mortgage has failed to report my loan payments and my mortgage does not show on any of the credit bureaus ... like it never existed. I have contacted them every month for the past year and after my bankruptcy was XXXX and loan reaffirmed that they were supposed to by law report my credit and I have contacted my attorney and I have contacted the company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: SYNCHRONY FINANCIAL
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 status incorrect

Complaint:
I have a credit card with JCPennys - Synchrony Bank. As of XX/XX/2019, I owed a Balance of {$170.00} at which time I paid off in full. Upon checking my credit report, it shows that my credit score actually went down so I disputed this because Synchrony Bank shows it as the account being closed by them as delinquent and it was not. I paid them monthly and on time. I tried reaching out to them and even wrote them a letter which I have in my possetion. They sent a letter stating they decided to " Close my Account due to delinquency. This is not correct and I want to dispute this. I have been working hard to correct and fix my credit report ever since I lost everything to " Harvey '' and lost everything including my job. Please help me get them to take this off. I can see if I didn't pay them and they " Closed my Account '' but I paid on time and just wanted to pay off my account in full thinking it would look better on my credit report. They refuse to take it off. My case number is 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