BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-08
Company: BARCLAYS BANK DELAWARE
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Two charges on my credit card or in dispute because I did not make the charges or order anything from the company. Credit card company said I would not be charged a late fee because of the charges in dispute. They have charged me two late fees even though they said they would not. I have much difficulty trying to talk to somebody at the company, and they have no email address that I can find.

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 2018-01-30
Company: EQUIFAX, INC.
State: FL
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 noticed XXXXredit inquirys on my Equifax report that I did not authorize. 
I disputed 5 items on my equifax report on Equifax website XX/XX/2018. 
I checked online communication regarding feedback. 

I have not received confimation of dispute and when I go online and enter dispute confirmation I recieve a message stating that the information I gave does not match with the information they have on file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-08
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/2021 I, XXXX XXXX XXXX XXXX engaged in a " consumer credit transaction '' with my " credit card '' that was issued to me by the " credit card issuer '' - Social Security Administration-pursuant to ( 16 CFR 433.1 ( h ) ) with XXXX XXXX XXXX XXXX XXXX XXXX Chrysler Capital in which a " Finance Charge '' was involved that is stated on the " consumer credit contract/purchase money loan '' pursuant to ( 16 CFR 433.1 ( i ) ) and ( 16 CFR 433.1 ( d ) ). During the transaction the dealership representative in the sales department was using violent sales tactics and inappropriate language by saying " I needed to register my vehicle with the state and pay the first payment on time to perfect the lien '' so the dealership would not be responsible for the payments. Also, the sales representative said if I do not do such a thing XXXX XXXX XXXX XXXX XXXX XXXX would come and repossess/steal my vehicle. Second, the sales rep said " if I did not verbally agree with him about " perfecting lien '', " he would not sell me the vehicle. '' Furthermore, after reviewing the contract I have found an abundance of fraud within the consumer credit contract/purchase money loan and lack of Material disclosures. 
Pursuant to section 12 CFR 1026.15 ( a ) ( 3 ) and pursuant to the Truth in lending Act and Regulation Z ( 12 CFR 1026 ). The material disclosures that the sales manager said I do not have right to, because it's only for " mortgages '', is my " right of rescission '' disclosure pursuant to ( 15 USC 1635 ) ( 12 CFR 1026.15 ) my " right to reject the arbitration agreement '' and the fact that the transaction was on a " open-end credit plan pursuant to ( 12 CFR 1026.5 ( 1 ) ( A ) ). ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: Experian Information Solutions Inc.
State: CA
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: Was not notified of investigation status or results

Complaint:
I have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the case and stating my reasons had nothing to do with them the account was VALIDATED well i asked to be sent proof and that was not done I NEED THE ACCOUNT TO BE VALIDATED, Proof of My WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX  California XXXX acct. XXXX XXXX XXXX  # 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 2018-01-30
Company: M&T BANK CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I opened an account with M and T bank and used it for a balance transfer. When i finally paid off the balance I called them and asked to make my final payment and close my credit card account. I had never used the card except to transfer a balance and pay it off. I successfully paid my final bill of about 1,000 USD in XX/XX/XXXX. In XX/XX/XXXX I received many calls from M and T bank about having unpaid fees and charges. I told them that I had closed my account and paid the balance so I did not understand how I was still accruing any charges. She explained that there was some sort of final charge and I reluctantly paid the XXXX dollars. Just today, XX/XX/XXXX I received a call from M and T bank alerting me that I had unpaid fees and charges amounting to over 100 . I am still shocked at how, having closed my account, paid a balance as well as some extra fees I am still being hounded and charged by this company. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-08
Company: U.S. BANCORP
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021, I called my mortgage company and talked to XXXX ( employee # XXXX ) in the mortgage department who transferred me to XXXX XXXX employee # XXXX ) in the tax department at US Bank. I shared with both of them how I received a mortgage bill for {$3300.00} when my mortgage is supposed to be {$3100.00}. I asked them to explain to me why my fixed mortgage had increased and was told that my property tax was adjusted and there was not enough money in my escrow to cover it so they added it to my bill. I shared that I specifically called the tax department on XX/XX/2021 and talked to an agent ( on a recorded call ) that told me that not only was my XXXX tax bill paid but that I had {$990.00} left over in my escrow account. So, to now receive an increased bill is not only shocking but it is in opposition to what they told me was in my account. I asked to speak to a manager and have them pull the record- and both XXXX and XXXX confirmed that they see in the notes that an agent told me this information but this was in error. I shared that this is unacceptable. I should be able to trust my mortgage company has properly calculated my mortgage and taxes and when I call them to inquire on this information ( because they had not sent me any documentation that my escrow account was depleted ), they should have accurately reported the balance. This comes across as predatory to just increase my mortgage and the only explanation is that the agent was wrong.

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 2019-09-09
Company: Experian Information Solutions Inc.
State: DC
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: Problem getting your free annual credit report

Complaint:
Customer attempted to log into Experian account. Customer unable to access Experian online service. Online service rejected answers to security questions. Online service provided automated telephone number. Automated telephone number did not provide option to speak with a living person or other option to access online service.

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 2019-01-15
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX XXXX was disputed with the credit reporting agencies. They verified it and it's wrong. I'm uploading proof of this information. Also I have wrong addresses on all three of my credit reports that are still showing. I've called Experian and XXXX  and haven't received nothing in the mail. Only XXXX. I would like for this is be updated and for this account to come off of my report as It's not 100 percent accurate. 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 2020-11-10
Company: Mar Joe Enterprises
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Not sure of the dates that i have reached out and file disputes and said that I was not able to do so. I have tried numerous times to just pay the XXXX , and they wont take payment. Will not tell me where to send it. The only reason i was going to pay it bc it is just XXXX XXXX  and i want off my credit. I have never not paid my bills. I have no ideal where this even came from. I need it resloved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the LVNV FUNDING ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX  ) still reporting on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureaus are failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please re-investigate most especially the status information on this account. Otherwise, delete this collection account instantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Due to recent data breaches at XXXX I froze all my credit accounts with the four major credit reporting companies. I did not want to do this. I did not agree to allow my PII to be stored on servers that do not meet industry standards in security. Yet, I still have to pay {$10.00} plus tax in my state to add a layer of protection to my data due to the negligence in the safe keeping of my personal data. I do not think this is fair and would like to be reimbursed for the freeze/thaw requests that are now being advised in order to protect my identity and credit that is being stored at a company that I have no consumer choice in selecting. 

I would like a refund in the amount of {$11.00} from Experian and {$10.00} from XXXX. I would also like to have all future freeze/thaw fees waived since they are being recommended as essential data security protection by industry experts and CFPB in light of the latest data breach. Lastly, I would like to request that credit reporting companies handling sensitive consumer data follow industry standards regarding its encryption and protection and that the chosen practices are audited regularly for compliance.

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 2021-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am XXXX XXXX and I am submitting this complaint myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The 3 Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : CAPITAL ONE XXXX Balance Owed : {$1100.00} ; CAPITAL ONE XXXX Balance Owed : {$7400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have an escrow account with Citibank to pay my taxes and insurance. The house receives one tax bill for the county and one tax bill for the city. The city tax bill was paid on time with no issues. The county tax bill has not been paid and is now 2 months late. I have inquired about this directly with Citibank no less than four times. The responses are generally, " it's under investigation '', " it has been escalated '', etc., but there has been no change and no updates. The bill was due on XX/XX/XXXX and was received by the bank in early XX/XX/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 non-monetary relief
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Due to recent data breaches at Equifax I froze all my credit accounts with the four major credit reporting companies. I did not want to do this. I did not agree to allow my PII to be stored on servers that do not meet industry standards in security. Yet, I still have to pay {$10.00} plus tax in my state to add a layer of protection to my data due to the negligence in the safe keeping of my personal data. I do not think this is fair and would like to be reimbursed for the freeze/thaw requests that are now being advised in order to protect my identity and credit that is being stored at a company that I have no consumer choice in selecting. 

I would like a refund in the amount of {$11.00} from XXXX and {$10.00} from XXXX. I would also like to have all future freeze/thaw fees waived since they are being recommended as essential data security protection by industry experts and CFPB in light of the latest data breach. Lastly, I would like to request that credit reporting companies handling sensitive consumer data follow industry standards regarding its encryption and protection and that the chosen practices are audited regularly for compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I should only have two addresses on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX 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 2021-11-08
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
After I opened a crypto trading account with Coinbase Inc. and purchase crypto coins from this company, about a few days later I noticed that around the equivalent of {$2000.00} were missing from my account. 
I immediately tried to contact the company and after several times and emails I was told that my account was hacked and the funds were sent to an external account and that my money cant be recovered. 
There are many complaints against this company from many consumers for the same issue. 
I believe it was an inside job.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: Universal Recovery Corporation
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have tried contacting the company on numerous occasions because they are attempting to collect a {$55.00} " debt '' for a vehicle insurance for a vehicle I no longer had.

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 2018-01-30
Company: WELLS FARGO & COMPANY
State: AL
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:
on XX/XX/XXXX I was involved in a car accident that ended up ina total loss of the vehicle. My insurance paid XXXX on XX/XX/XXXX, Warranty refund XXXX paid on XX/XX/XXXX and on XX/XX/XXXX Gap insurance paid XXXX ( they did not pay it all the way off and left a {$2500.00} balance. I called Wells Fargo Dealer services and was told that they couldn't discuss a settlement with me until the loan file went to recovery ( 90 days ). Before the accident, I did not have any payments on that loan that were over over 30 days late. On XX/XX/XXXX I called the recovery dept and was told that if I would pay {$1500.00} of that balance then they would report it as settled for less than agreed to the credit bureaus. I paid the {$1500.00} in two payments but they never updated the reporting. I called the office of the president last week and was given a case # and told that they would have someone in touch within 24 hours. That didn't happen and as of today my credit looks like I have not made a car payment in nearly a year. I have been financially ruined over an accident where I was not at fault in any way. I am unable to get another vehicle because my credit score is now too low due to Wells Fargo and their unfair/untrue credit reporting practices.

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 2021-11-08
Company: EQUIFAX, INC.
State: PA
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:
Reviewed my credit report and I noticed that XXXX XXXX has furnished inaccurate information inn credit report Account detail differ incompleteness for equifax.account status says derogatory but payment status says charge offdate opened differs. Balance is reported XXXX but reports say charge off. High credit all bureaus differ.credit limit differ. Past due is a balance is XXXX. It shouldnt have a balance if its a charge off. Last reported dates differ. Comments all differ. Date last active all differ. Last payment differ. 
Payment History has incompleteness XXXX XXXX had furnished inaccurate information this information has not been validated after requesting

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage was transferred from XXXX to Rushmore Loan Management at the beginning of XXXX. We received a request in XXXX for our HOA condo insurance declaration, which we submitted to Rushmore 's vendor imcovered.com/rushmore. I uploaded the hazard insurance declaration and received an email confirmation that it had been successfully verified. 

In early XXXX I received another notice asking for verification and again uploaded the hazard declaration to imcovered.com/rushmore. Again I received a confirmation that it had been successfully verified. 

On XX/XX/XXXX I received a letter from XXXX stating that hazard insurance had been added to my account and I needed to pay an extra {$120.00} starting in XXXX! I spoke with " XXXX '' in the insurance department and was told they couldn't verify the insurance from the declaration, so I gave them the number of our insurance agent and he said he spoke with them and verified our coverage. 

Afterwards, we received a letter stating that our payments starting in XXXX included the insurance premium of {$120.00}! I called and spoke with " XXXX '' who said we needed to provide our personal condo policy declaration page, which I did. Today I received a letter that we were receiving no refund and on the phone, " XXXX '' said we owed {$580.00} for the " time the policy was in force at the beginning of the year. '' This is extortion! We proved that our policy was in force since XX/XX/2019 and I don't know if this is some kind of collusion between Rushmore and " XXXX XXXX '', their insurance carrier, but it is not a productive way to maintain customer service.

Company response to consumer: Closed with explanation