BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-19
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2018, I noticed that my Coinbase account was restricted from making purchases. When I looked further, it was because they erroneously believed that my account owed them {$350.00}. This was an issue because I still had virtual currency in my account, and was now no longer allowed to liquidate it or to transfer money out of my account. As such, on that day I emailed Coinbase support. 

Coinbase support then got back to me, saying to verify my account. I verified my account. Then, they got back to me saying that I was wrong, and that I owed them money. I called customer support, and they looked deeper into my account, and asked me to send details from my bank statements to prove that I do not owe them money. I complied with this. They then said that this would be escalated to a specialist to be resolved, on XX/XX/XXXX itself. 

For the next 6 months, they continually ran me around, giving me various answers, and continually asking me the same questions regarding providing details and evidence that I did not owe them money. I continually did so. All correspondence is included in the attached email. Continually, they said that I owed them money, and when I explained and proved I did not, they continually said it would be referred to a specialist, and it never was. I have provided them with bank statements with highlighted transactions and highlighted refunds related to Coinbase ' double charge issue and all of the transactions balance out to {$0.00}, not the negative {$350.00} that they are claiming, but despite this evidence they have not even tried to rectify the situation. 

Recently, on XX/XX/2018, they took the step of liquidating {$65.00} worth of litecoin from my account, and seizing those funds, without decreasing my outstanding negative balance by such. Currently, they still have a negative balance of {$350.00} on my account, and are threatening to try to seize even more funds. No matter how many times I try to rectify the situation, or provide them evidence to support my case, it is continually disregarded. It has been over one year since I first reached out to them, and they have still not provided me with any answer or even attempted to resolve my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been having problems with Fedloan for over a year. I have sent them messages and been on the phone with them more times than I can count. They reported me as late many times when I was supposed to be on an income based repayment plan and my payment was approved at {$0.00}. Then, right about the time Covid 19 started or just before, Fedloan decided to report three of my six loans with them as delinquent. I then applied for a consolidation loan and asked that it be with them since my other loans were still with them. That was a mistake because they somehow denied my consolidation. My credit score has been so badly affected that my wife and I were recently denied a loan for a new home. I have worked for the same XXXX XXXX for 7 years and we pay our bills on time! There is no reason why this should be happening to me. They denied my application for public loan service forgiveness too. It has just been awful dealing with them. I need some relief and some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: EQUIFAX, INC.
State: MA
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:
I am in the process of buying a home and my closing date is coming up this month. I was preapproved for a mortgage but when my broker went to pull my credit for the application Equifax was not returning a score. 

For context, I opened my first credit card in XX/XX/2019 as well as adding a car lease in XX/XX/2019. I have been able to establish my credit with XXXX and XXXX  but not Equifax. 

I have been calling Equifax and my creditors for over a month now trying to figure this out. Equifax does not have a credit profile for me and neither XXXX XXXX nor XXXX seem to know whats going on. Ive mailed them all documents, filed disputes, sat on hold for hours on a daily basis. I have been told different stories and every time I feel like I have a sense of XXXX going on a customer service rep tells me a new story as to why I dont have a credit score and whos fault it is. 

I have asked my credit card company, XXXX XXXX, and my auto lease company, XXXX, to send my information to Equifax. I requested it be expedited as my closing date is soon approaching. I fear I will lose my home because Equifax is not reporting a credit score for me. 

I can not express how much I appreciate anything you can do to help resolve the situation. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: Kashia Services
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
The loan was only for {$650.00} and if I pay it off by XX/XX/2018, I will have paid them {$1600.00}. This is insane and unfair, when I only borrowed {$650.00}. Their solution is the earlier I pay back the loan the less I will have to pay back in interest rate, is what they said.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with CAP ONE AUTO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and CAP ONE AUTO with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX XXXX / XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: SYNCHRONY FINANCIAL
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In the last 24 hours I have received seven ( 7 ) calls from synchrony bank ( XXXX ). On XX/XX/XXXX at XXXX, XXXX, XXXX, XXXX, and XXXX. 
On XX/XX/XXXX at XXXX and XXXX. It has been very disruptive to my day. They have not left a single message even though a voice mailbox is set up. I told them on the XXXX call on XX/XX/XXXX to stop calling as I feel like thats borderline harassment and not within the appropriate confines of collecting or informing of a debt.

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 2023-02-21
Company: PENNYMAC LOAN SERVICES, LLC.
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I sent in the negotiable instruments for every month that I had the account and a letter requesting all unearned interest due on the account. Be sent back within XXXX business days. They sent a response back stating they sent an escrow overage check in XXXX XXXX XXXX. That has nothing to do with the unearned interest due on the behalf of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: EQUIFAX, 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:
XXXX XXXX XX/XX/XXXX {$1800.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$350.00} I Dispute these accounts that dont belong to me and belong to someone else with the same name to the credit bureaus and the accounts still remain on file in was not deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company have send collection to my credit report not once but the same account three times as  well as others collections by BULLCITY FINANCIAL SOL send I am not liable for collection of debt from BULLCITY FINANCIAL SOL. I am not responsible for this debt. I have sent disputes to the credit bureaus with no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: Experian Information Solutions Inc.
State: GA
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:
Experian is reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This incorrect reporting of lates is harming my credit score and this line item needs to be removed from my credit report. ) I have contacted the bureau to remove this however, I have not been successful.

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 2018-10-24
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have been leasing cars from XXXX XXXX for the last ten years. I have never had any plate payments. Last XX/XX/2018, XXXX XXXX inaccurately placed a 30 days late payment on my account when I had autopay, as well as I never received a notification, or a call that the payment was late! 
When I found out around 25 days later as I was checking online to get a payoff information as my lease was coming to an end, I called XXXX XXXX to ask why there is a late payment and why there is a late fee on my account, when I have auto pay and I never received notification from them regarding late payment as they are obligated to do so per my online registration agreement, he replied from me not to worry as the payment is not more then 30 days late, and credited back my account the late fee. I advised him that I will make a double payment to take care of the late payment, witch I paid online right away. 
I mailed a letter to XXXX XXXX explaining what happened and that I don't have time to always check my online account as I am an XXXX XXXX, they refused to remove it witch is effecting my credit score by more then 50 points. Had they called my Phone number on file, or email me to inform me of a late payment as they are obligated to do so, this would have never happened. 

They also have inaccurate information on my online account. When I sign in, they have a different first name witch doesn't belong to me. I advised them on many occasions and still they never corrected the issue, even as of this date, when I sign in to my online account, it shows a different name. This could be related to why the autopay was stopped. 
Thank you for your time and assistance!

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 2021-10-13
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage lender, Santander, has suspiciously misapplied my XXXX and XXXX mortgage payments to an account unknown to me, therein causing a delinquency, additional charges/fees, harrassing phone calls and credit reporting that has negatively affected other facets of my life, health and credit. XXXX amount {$1100.00}. XXXX amount {$1100.00} Actions taken by me : since XX/XX/2021 when this error became known to me, I have had telephone communication with Santander mortgage company employees who confirmed the error and that they would correct it, but did not. In person meeting with Santander bank manager again confirmed the error, saying that its just one number off ( which is also incorrect ), but that she is unable to make the correction. I asked to communicate directly with Santander Mortgage Division and was told that was only possible if I actually visited the facility located in XXXX PA. Another in person visit, the Santander Bank Manager directed me to a different individual, a mortgage officer, who also said he was unable to help me but would sell me a new mortgage. This mortgage officer said that he would pass this information on to someone else in the mortgage division. To date, this bank error continues with no correction to my account or restitution for the financial and emotional affects on my life. I'm now looking to legal counsel for a resolution.

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 2018-10-24
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:
Hello, I recently pull my Experian Credit report and I noticed that i have incorrect personal information and unverified accounts, I have being sending some dispute letters to EXPERIAN for the personal and unverified account since XX/XX/2018 to XX/XX/2018 and they are still reporting on my credit report all this wrong information. I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) wich they should have on file of the all accounts. they failure to positively verify those accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts and wrong information.

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 2020-04-30
Company: AMERICAN HONDA FINANCE CORP
State: LA
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:
American Honda Finance is reporting inaccurate information about the payment history associated with this account on all 3 credit bureaus. The information is inaccurate for the years of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on all 3 bureaus. This company is in violation of FCRA 623aB in that information must be reported to all bureaus accurately. Clearly they have violated this FCRA623aB. Attached are the inaccurate information reported to each bureau and also a letter that states that this information must be removed due to violation of FCRA623aB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2019-05-19
Company: Stenger & Stenger, P.C
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Old credit card went into collections Stegner and Stegner began collection attempts, Contacted the firm and offered a settlement, they stated they could not settle for two weeks, but to pay them XXXX to show Im working with them. Called back two weeks later offered a settlement they declined, said they needed to review with the attorneys. I was sent a demand letter to pay or they would put a judgement in my name. On XX/XX/XXXX I received summons one usps,  and summons 2 certified mail, both back dated court documents on the same day. I paid the company in full on XX/XX/XXXX via cashiers check with XXXXXXXX XXXX tracking. I confirmed they received my XXXX XXXX   with my cashiers check via phone and tracking. Company stated they will send out a XXXX balance to my address. On XX/XX/XXXX at XXXX, a process server served my address with a third summons. Stenger and Stegner is violating federal collection laws by continuing to  harass me with legal recourse in person on a debt that is paid in full. I have proof of delivery of my cashiers check, proof from the bank it was issued and a phone conversation that they received my payment. Something needs to be done regarding they illegal collection attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Experian Information Solutions 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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me. 

CHAPTER XXXX BANKRUPTCYDISMISSEDXXXX

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 2018-03-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I continue to try to resolve this with Bank of America. However, they continually place themselves in a position of legal representation and bill collectors for a company who is not even their customer. It is appalling to think that a bank cares this little about one of their customers. I have tried multiple times to explain that the merchant had NO authority to charge my card. But the powers that be at BofA dont care at all about using any common sense at all. Even though I have explained that the merchant is trying to double collect by charging me and also a lien on the property involved, they dont listen or care.

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 2018-10-24
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received an email for XXXX XXXX indicating that my account was closed with Lowe 's Store card. I haven't missed any payments on the account. I went online and found out that they will close your account when your credit score goes down. When they closed the card it made my credit score go down more. I have read lots of negative review when it comes down to this store card.The card is run by Syncrony Bank that is owned by GE. It is shame how they treat people like that. I would suggest people stay far away from this store card. Very shady practices when it comes to it. The Lowe 's store is great but the credit card 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
Consumer complaint received 2019-06-14
Company: I.C. System, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IC collection company drop 30 points in my credit report for a debt not owned from me, they not want to shoe me the contact I call them so many times to fix the problem and remove the collection from my credit repot and they dont give any answer. Please some body have to do something to this abusers.

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 2021-10-13
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX I notice on my credit report that this company was reporting I owe them a debt. I reached out to the company on multiple occasions to verify the debt and explain to me what methods they have used to verify such. They have yet to send any of the information I requested and continue to report this Information to the CRAs

Company response to consumer: Closed with explanation