BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
fcra not mine : see attachments for proof as follows ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX SINGLE FAMILY XXXX XXXX CT XXXX XXXX XXXX TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In the month of XX/XX/2021 my father expired due to XXXX, mom had a prolonged illness due to XXXX ( spanning XXXX and XXXX ). My daughter was born on XXXX XXXX 2021. Due to all these personal issues I was overwhelmed and forgot to make payments to the tune of some $ XXXX. Even though my other credit cards with autopay had been paid every time in full upto the tune of $ XXXX. This suggests my good financial condition. I requested XXXX to take note of this overwhelming situation and help in pardoning one off late payment. But they simply refused. XXXX has destroyed many families and put lot of people in stress. Taking note of this situation I would plead to your esteemed office to help remove the late payment from my credit report as it is adversely affecting my credit report.

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 2022-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had received funds from my back pay with XXXX. And everything I used my card they locked it. So on the XXXX of XXXX I called BoA and told them I no longer had possession of my card and they said ok and they will send me a new card. And my balance was at {>= $1,000,000} So the next day I called back to see what needed to be done and the recording said I had {$6000.00} in my account so I called them back and told them I called u yesterday and told u I no longer had possession of my card and had a balance of {$18000.00} and the next day I called back and it said I had {$6000.00} left. And they said they will take care of it. And that they would send me a new card well it was sent out on the XXXX of XXXX ok so in three days I did receive a card ups. So I went to the bank parked and activated my card went to ATM and was not allowed to pull out any money. Why because I had a XXXX balance. Now plz tell me how that happened twice. Once called at a balance of {$18000.00} and the second time at {$6000.00} than to zero. Since than I have been kicked out of my house. I now sleep in my truck. I've lost my storage and about to lose another storage. I haven't been able to work because I hadn't had the money for gas so now I have no job.they have ruined my life and I have a one and a half year old ) title girl who I have to leave in the evenings with a friend because I can't have my daughter sleep in my truck with me XXXX XXXX get her taken away by cops. I don't know what to do and I'm so close to turning my self into XXXX XXXX XXXX  because of the stress.

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 2019-04-09
Company: Experian Information Solutions Inc.
State: SC
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:
Experian reporting closed account on my report that should only be showing XXXX which is paid in full and closed. Also having been reporting my payments since 2017 even tho XXXX has been proving reports every month up untill last month ( XXXX ) when I made my final payment. Furthermore, addresses and misspelling of my name only address should be reporting is XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX. Attached are my id and paperwork from XXXX and screenshots of whats on my file thats showing closed which are not mines.

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 2019-07-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX I made an on-line application to HSBC for their gold Mastercard. 
Application ID:XXXX On XX/XX/2019 I received a phone call supposedly from an agent of HSBC. He wanted personal information from me over the phone. 

There were a number of problems with this phone call. The first one being that I am severely XXXX XXXX. I tried telling this to this man to no avail. I told him I was having great trouble XXXX him and could he please contact me by email. He told me he would not and could not do that. This was enraging. Can HSBC or other credit card companies not accommodate their customers who are XXXX   or XXXX XXXX? This seems a violation to me of basic respect, care, and concern. I also think this is clearly discriminatory. 

Secondly, I told the man I did not know who he was and had no way of verifying that he indeed was associated with HSBC. He told me he could give me a phone number to call him back at. I told him that all that did was give me a phone number at which I would have no way to verify I was calling HSBC and it also brought up again that I was XXXX XXXX. Was there a part of that which that man did not understand. 

I told him again I would gladly answer all questions by email. He said again, he would not and could not do that. They have my email address as part of the application. I see no reason why they couldn't make this accommodation+. Lately there have been a great many phone scams directed to the elderly, I have no way of knowing this was not one of them. 

I am assuming by the time you get this complaint the credit application has been denied. A black mark against my sterling credit record and scores. All because HSBC and its agent could not make accommodation for a man who is XXXX XXXX. This to me is not only unwise business practice but is also clearly discriminatory under what I believe is the law. 

I had no way of contacting HSBC. They did not give me an email address to address this issue to them and no phone numbers so I sent them a letter yesterday, an admittedly slow way of dealing with the issue but the only one I seemed to have. 
I sent the letter to their mailing address : HSBC Bank USA, N.A. 
XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I deposited a check into my checking account on XX/XX/2021 a check received as a death benefit claim for my mother XXXX XXXX. 
Chase froze my account stating that they could not verify my check after multiple phone calls with chase representatives informing me that they were returning the check because they couldnt verify the information I called XXXX XXXX XXXX company the insurer of the check and they immediately informed me that chase had cashed the check on XX/XX/2021 I then called chase again and they stated that I needed to fill a claim and dispute the check in order to receive the funds. I called and they said I could not do that. I called chase deposit review team again they stated that I needed to have XXXX XXXX XXXX  recall the check. I called XXXX XXXX XXXX and they said they could not do that because chase cashed the check and have the funds. I called again to clarify whats the real problem because I have no problem calling XXXX XXXX XXXX but chase indicated that they cant get a hold of anyone to verify the check. 
I called chase again today and spoke with a manager named XXXX from XXXX Ohio and he stated the same thing they cant verify the check I told him that they verify my brothers check within two days and we have the same check same amount insured by the same company and he was like they keep getting a voicemail this is absolutely ridiculous and unfair practices! I have been on the phone hours and days to resolve this problem! 
I have all the documentation that proves this check belongs to me as submitted below.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I opened an account with coinbase.Com and XXXX  XXXX XXXX XXXX is owned by coinbase. 
I believe I opened the account in XXXX or early XXXX, I wired XXXX XXXX dollars in XXXX transactions. 
With that I purchased XXXX bit coins, XXXX etheric and approximately XXXX light coins. 
That was on XXXX XXXX I first purchased XXXX bit coin and XXXX or XXXX light coin on coinbase I than sent another XXXX to XXXX XXXX wired to finish my purchases of which I still have approximately XXXX or XXXX in us dollars still availible in my XXXX XXXX account. 
On XXXX XXXX XXXX I tried going on to my accounts and it said contact coinbase something expired. 
I called the so called support and confirmed my account was frozen, with no explaination I was told I 'd be contacted by support by email, nothing came so I again called and go the same runaround support will contact me. 
So today XXXX XXXX XXXX I called again and was told the more I call the longer I will wait. 
I also received XXXX bit cash coins as bit coin split, my account value as of today is Approximately bit coin XXXX Ethereum. XXXX Light coin. XXXX Bit cash. XXXX Grand total. XXXX us dollar value I so annoyed I ca n't trade no explanation I 'm missing out on fluctuations

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: Dovenmuehle Mortgage, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I originated this loan in XX/XX/XXXX as my primary residence. Since then, I have repeatedly told Dovenmuehle that my mailing address should be the same as my property address. I purchased this home as my primary residence and sold the other home I was living in during XX/XX/XXXX. As you can imagine, that means I moved out of my old house and into my new house, which is the subject property. 
I have no connection to the home I sold but the company has consistently refused to updated my mailing address. Each time I call in, they tell me that it's their policy that they must receive a signed request from both borrowers to update the mailing address. I have explained to them each time that I will not be doing so, this is not an update but a correction. There has been no change in my mailing address since I originated this loan. It's their responsibility to correct the error that they made when they set up my loan with the wrong mailing address. They just keep quoting policy and will not see reason. 

I spoke to a representative named XXXX today XX/XX/XXXX and a supervisor who told me they were unwilling and unable to help me. I explained that I would be submitting a complaint if they did not try to help me, and they still had the same unhelpful and uninterested attitude about the whole situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: TrueAccord Corp.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Both XXXX XXXX XXXX and XXXX ( XXXX XXXX XXXX ) were claiming to own the debt in the amount of XXXX. 

TrueAccord ( XXXX ) has been trying to contact me and verified they were the debt holders so on XX/XX/2021 I paid the amount in full and they verified this debt has been paid. 

I tried to dispute the debt with trident asset management and they are claiming its still owed and refuses to remove their claim on my collections account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: EQUIFAX, 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:
This is my third attempt to get this resolved. XXXX XXXX continues to leave on my Equifax report a medical debt that is owed by my insurance company, despite my sending a letter to them with this information. 

I have now reached the next stage of having my insurance company pay this debt, despite XXXX continued reporting on my Equifax credit report and Equifax 's refusal to accept that XXXX is providing them with inaccurate information. 

I am attaching the paperwork sent to XXXX XXXX XXXX towards my efforts to get my health insurance company to pay this debt. This should not be reporting on my credit report and I once again demand XXXX cease all attempts to collect a debt that I do not owe and have repeatedly advised is owed by my insurance company. 

In lieu of this information, Equifax must also cease inaccurately reporting I owe this debt. Equifax is the only one of the three credit agencies still reporting this debt as both XXXX and XXXX have accepted all of the previous documentation I 've provided to show this is not my debt. Equifax remains the only company still irresponsibly reporting this wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: Exeter Finance Corp.
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: Credit inquiries on your report that you don't recognize

Complaint:
This complaint is to remove multiple inquiries that I did not approve or initiate. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EXETER FIN XX/XX/XXXX AND XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX is attempting to collect a debt that was already charged off and closed by XXXX XXXX in XXXX. I do not owe XXXX XXXX. They bought the debt for {$100.00} and is now coming after me for the amount of {$1600.00}. 

They are also threatening to sue me for this old debt. The daily phone calls are getting out of hand. It is affecting my credit and preventing me from being approved for certain credit offers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-23
Company: Consumer Portfolio Services, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My vehicle was financed with Consumer Portfolio Services XX/XX/2016. Most of the time I'm in their collection calls even after I think that I am current on my account. I mention about 1 year ago to a CPS representative that after looking at my payment history several payments were applied incorrectly and most ( about 85 % ) of the payment is going toward the interest. I was told that my account would be adjusted and now 1 year later I have just pulled my account payment history and noticed AGAIN how they are still applying payment to the interest and none of the payment is going toward principal and therefore will I never be in a position to pay of the vehicle. Since XX/XX/2016 I have paid about {$8600.00} toward an {$11.00}, XXXX auto loan and only {$1300.00} has been applied toward me owning this vehicle. 

I feel that this company is running a financial scam for individuals with damaged credit history. I feel they are intentionally improperly applying payments to my account. I am just like the other customers of this company that is having a hard time with them reviewing and adjusting the account payments correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I sent a dispute letter to Equifax via certified mail ( tracking number : XXXX XXXX XXXX XXXX XXXX ), and I asked Equifax to delete or remove 2 negative accounts from my Equifax credit report because these accounts were reporting inaccurate information and in violation. A ) XXXX XXXX ( collection account ) is reporting 120 Days Late. B ) XXXX  ( charge-off account ) Date of Last Payment is inaccurate across Equifax XX/XX/XXXX , XXXX XX/XX/XXXX, XXXX XX/XX/XXXX . Almost three weeks later Equifax responded that XXXX XXXX was not reporting to my Equifax credit report and XXXX  account was accurate. Both answers were incorrect which means that Equifax is NOT investigating my disputes. 

On XX/XX/XXXX after I received the " dispute results '' from Equifax I sent a second dispute letter via certified mail ( tracking number : XXXX XXXX XXXX XXXX XXXX ), disputing the same accounts that I disputed on XX/XX/XXXX, this time I disputed that XXXX XXXX ( collection account ) is reporting {$3000.00} Past Due, Late Payment and 120 Days Past Due. XXXX ( charge-off account ) was reopen in XX/XX/XXXX because the payment history shows OK under the Equifax payment history, and this account continues open on today XX/XX/XXXX. XXXX  account is missing the required notice of dispute and that means that Equifax is not investigating my disputes. 

Equifax responded to my second dispute stating that both accounts were accurate. 
I want that Equifax delete these inaccurate accounts from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: Ocwen Financial Corporation
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Sold my home went to settlement on XX/XX/2019 however my husband unexpectedly passed away so I did not attend my settlement had my realtor do fir me - here is my complaint against Ocwen mortgage co my last statement from them gas my balance owing XXXX but at settlement they added XXXX more Dollars making my payoff be XXXX how can they lie like this?

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 2018-01-13
Company: SUNTRUST BANKS, INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have an ongoing dispute with Suntrust Bank regarding unauthorized use of my debit card. Im waiting for $ XXXX+ to be returned to me that was stolen. I filed the initial claim over 3 weeks ago. Still waiting for credit. I received a letter from them today that theyre closing my account. So, they claim to have a zero liability policy. However, if you actually need to file a claim, their zero liability policy seems to disappear. AND they close your account on top of that. Thats some way to treat a customer. Or ex-customer as it is. Now, at this point, I really couldnt care less that they closed my account. The way Ive been treated I would have done it myself. I just want my stolen funds returned to me.

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 2018-01-13
Company: Navient Solutions, LLC.
State: MD
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:
I do n't know who this is they called my XXXX year old mom, made her very upset called my brother called my two sisters and called my cousin and my in laws saying he is looking for me but upsetting my entire family. Never once sent any correspondence to me. A place of business usually sends mailing and correspondence in the mail not calling ones entire family upsetting them. This is harassment NOT business. If you are trying to reach me mail me something.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
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: Account status incorrect

Complaint:
The following loans pasted below are not late and have never been late. I have been a continuous college student since XXXX and XXXX forward to present. All my student loans are deferred in an IBR ( Income Based Repayment ). XXXX sent mail to an old address when I did update them and whoever the customer service rep was at the time did not update the address. I am requesting all 90 day and 120 day late and all late to be removed from the XXXX accounts. XXXX is not telling the truth and may be reporting inaccuracies on my credit due to XXXX discrimination because I am a person of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: Experian Information Solutions Inc.
State: FL
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 show XXXX inquires on my experian report that should not be and was not performed by me, I have requested by letter XX/XX/XXXX with copy of companies that they do not belong to me, they have refused to remove off report. 
XXXX -XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- 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 explanation