BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-17
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: Account information incorrect

Complaint:
I XXXX XXXX, have no choice but to submit a complaint against a nationally known vehicle finance company known as XXXX XXXX XXXX. My argument is based upon the implementation of two separate federal laws, the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. My argument is against an abusive derogatory placed on not only mine but my wifes credit report, with each respective credit reporting agencies, Experian, XXXX XXXX and XXXX  respectively. I have had an impeccable payment history with XXXX XXXX XXXX since XXXX, as he attached credit reports shows Account Number XXXX opened XX/XX/XXXX, a perfect payment history until the vehicle was traded in for a new lease in XX/XX/XXXX. That loan payment history was perfect Account XXXX XXXX. As you can see from the attached two credit histories of the same account, on XX/XX/XXXX the account shows PAID. CLOSED/NEVER LATE as of the lease close out XX/XX/XXXX. At that time my wife XXXX took a new lease with XXXX XXXX XXXX XX/XX/XXXX. Is was not until a month later when both me and my wife received a notice by mail that there was an additional charge on vehicle maintenance. I made the necessary arrangement to pay the additional lease charge that had absolutely nothing to do with any payment history. XXXX XXXX XXXX can not mingle payment histories with any substantive collection issue after the fac. This is in fact not only a Fair Credit Reporting Act violation but a violation under the Fair Debt Collection Practices Act : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text If American Honda Finance had a financial issue with the lease, then after the payoff the only remedy would be through the FDCPA. FCRA does not apply..period. Accordingly, XXXX XXXX XXXX has applied a separate but highly illegal interpretation in its collection criteria by abusing the FCRA along with its tightly controlled subscriber agreement with each respective credit reporting agencies. The Consumer Financial Protection Bureau is the super-ceding authority on the implementation of FCRA, and I believe that the American XXXX XXXX company should be investigated including a full legal review of its contractual agreements with the general public. Sanctions are of necessity on this issue. I demand the late payment back-dated to XX/XX/XXXX be deleted, and that XXXX XXXX XXXX issue a policy change to the American public through the CFPB.

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 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
PLEASE REMOVE!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Collection Services has infringe upon my right to privacy as a consumer. In they are in violation of the following sections of the Fair debt collection privacy act. 

1. XXXX ( XXXX ) 2. XXXX ( XXXX ) 3. XXXX ( XXXX ) 4. XXXX ( XXXX )

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Lacy Katzen LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
In XXXX I contacted the office of lacy katzen tool make a payment plan to settle a debt. I first was on the phone with one personWho kept repeating herself about a my financial situation regarding to my payment to the account in question. I told her you keep repeating yourself as if she was trying to make me feel bad about the situation.So calmly I ask can I please speak to someone else. When the other lady got on the phone I heard in her voice that she may have talk to the other person because her tone was very throw off-ish as if she did not want to deal with me. I remain calm cool and collected proceeded to tell her what was going on and then she made false statements about my income that I make. Also she claimed to know when I get paid as if I get paidAs other people with in the profession. They were very rude and very unprofessional and Im the one that caused them to try to set up some sort of agreement.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Been faxing modification since XXXX SEE PROOF, Wellsfargo says NEVER RECEIVED UPDATED INFO HAVE SENT AND AGAIN XXXX AND TOOK OUT OF REVIEW XXXX XXXX is XXXX XXXX  XXXX XXXX AND KEEP ASKING FOR PAY STUBS AND P & L IS ONE OR OTHER! XXXX BANK BAD SERVICES, LIARS, MISSING ALL PAPERWORK THAT IS SENT! REFAXING AGAIN TODAY AND COMPLAINING! Wellsfargo will respond saying havent received etc ALL BANKS SAY THAT! hire and train someone with brains!

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 2021-03-03
Company: TD BANK US HOLDING COMPANY
State: TX
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:
I have notice if I return and item back to the store, it does not take the charge off, it still charge me for items I have retuned Several items I have returned but it does not show it has removed the items off the account I called Target twice and they could not really could not have not help me I needed to go back to the store to remove several charges. 
I tried to go over the information but they did not want to work with me They spoke very limited English

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: Ameritech Financial
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Ameritech Financial has not been paying any of my students loans although they have been extracting a monthly payment amount from my checking out. Ameritech Financial is a servicer in which they claim to consolidate your students loan for a cheaper monthly amount. However, i had to pay a percentage to Ameritech along with my payment plan in which Ameritech gains access to my educational loans and pays my loans. So they have claimed. For the past several months i was away XXXX and received calls of Ameritech wanted more documents for my file. At the time i understood although i was suspicious in why they wanted more documents and pay stubs. I could barely talk and notified the person over the phone that i was not home and it would be a while before i was able to get any documents. I also knew once i arrived home, i will be able to sit down and better understand what exactly was wanted. Upon my return home in XX/XX/XXXX, i began looking into my credit report and it stated i was behind one my students loans. I discovered my debt had only increased. Furthermore, i was receiving and still am receiving emails from XXXX stating i have been missing my monthly payments. This discovery became more so clear when on XX/XX/XXXX i received a letter from the Federal Trade Commission ( FTC ) stating that Ameritech has been sued for deceptive practices. I realize the money i have been paying since XX/XX/XXXX, has been going directly to Ameritech and not my loan debt. 
On XX/XX/XXXX upon receiving the letter from FTC, i called Ameritech regarding this whole issue. I was only greeted by a costumer messenger who would only take my contact info for a call back within 24hrs from a actual case manager or agent. At roughly XXXX hrs EST time on XX/XX/XXXX, i received a call from a XXXX from Ameritech telephone number XXXX. I discussed the issue in play. I requested to have my money back. XXXX put me on hold on more than one occasion stating he will run it with the billing department. He then said it was denied. XXXX was not understanding about the situation. He said he might only be able to give me the money for the services Ameritech was not able to complete. I told him no service was done since my monthly payments were not going towards my loans. I am now behind in more debt because of this deceptive practice to lure people in. I kept attempting to get my money back. It was also mentioned on the steps i should take according to the FTC letter. 
I had my membership/plan canceled. XXXX said should have a conformation letter emailed within 24hrs. 


Ameritech Financial # XXXX, XXXX XXXX XXXXXXXX XXXX , XXXX XXXX, CA XXXX Tel- ( XXXX ) XXXX When i initially enrolled the person who guided me is XXXX XXXX . 
Email- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: Alabama Housing Finance Authority
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX says that my payments are always late due to slow USPS delivery. I make my payment electronically and I told them so. XXXX said sometimes banks write a physical check and mai it! I talked to my bank and they said that's not how it works, they send electronically and it is received electronically, there should be no delayXXXX ( a Division of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX AL, XXXX ), said the only way to fix this is for me to give them access to my checking account so that they can deduct my payment every month! 
I do not want to do this! I do not trust them! I had no problem with them until my payment was upped about {$35.00} a month due to a property tax hike in 2020. I heard about it belatedly because I was quarantining elsewhere with a friend and hadn't picked up my mail. I paid my late charges and thought that was the end of it but NO! Since then any payment I send is too late and not enough. Now they are demanding payments of XXXX and XXXX, ( pmts are XXXX I've tried sending payments in early but nothing works with them! 
By the way, my statements from them arrive in bunches of 2 or 3 and very late. Most times es after the date the payment is due. However, I do not wait for the statement to pay. 
Can you help me with this horrible company. I had planned to refinance with another company at a lower rate in 2020 but XXXX has ruined my credit rating! 
XXXX XXXX XXXX XXXX Loan XXXX XXXX Lost XXXX XXXX XXXX. I wrote to my States Attorney General about this problem and they also contacted them. I received a letter from them today saying XXXX had not yet replied. 
XXXX, MO 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 2020-08-31
Company: Experian Information Solutions 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 JUST SAW NEW ACCOUNTS REPORTING ON MY CREDIT FILE THAT I BELIEVE ARE LINKED TO MY IDENTITY THEFT CASE.

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 2021-03-03
Company: SFMC L.P.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX -- Home Purchase Closing and Funded with FHA Loan, TSAHC Down Payment Assistance/MCC. Lender : Service First Mortgage. 
XX/XX/XXXX -- Lender call and email stating there was an issue with selling my loan to an Investor due to changing the HUD/FHA - approved calculation used at closing to a different calculation, per the Investor 's request -- causing ineligibility for FHA Loan and Down Payment Assistance. 
XX/XX/XXXX -- Received written notice of New Loan Servicer, XXXX XXXX XXXX XXXX XXXX 
XX/XX/XXXX -- FHA Loan was closed and I assume Conventional Loan added at that point, which I was not aware of until HUD/FHA verified on XX/XX/XXXX that FHA Loan closed in XX/XX/XXXX. 
XX/XX/XXXX -- Submitted online written request for Covid-related Forbearance per website instructions. No response received. 
XX/XX/XXXX -- Submitted online written request for 3 items, including requesting a status update of my Forbearance request submitted previously on XX/XX/XXXX. No response received. 
XX/XX/XXXX -- received an email from Service First Mortgage requesting a phone call for review of my mortgage to see if I am in the best situation with my mortgage, possibly refinance or lower interest/payments. I formally requested AGAIN for Covid-related Forbearance. 
XX/XX/XXXX -- Received Loss Mitigation packet to complete, which contained a full application and requested full income documentation the same as provided for purchasing or refinancing. Contacted HUD for assistance with Covid-related Forbearance and clarification of documentation that have to be provided to qualify for this type of forbearance. I learned at this point that my FHA Loan was cancelled and referred to CFPB for further assistance. 
XX/XX/XXXX -- received email response back from Service First Mortgage stating they can not answer my questions regarding Covid-related Forbearance and suggested I contact customer care solutions ( XXXX ), the very same people who have not responded to my previous request for Covid-related Forbearance to date. 

I am attaching a more in-depth detail of events and other documentation for review in hopes that you can help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Dear TRANSUNION : Please be advised that you are reporting the wrong addresses information on my credit report. Please delete or remove old or unknown addresses to me, any help you can give me with updating this information as soon as possible would be greatly appreciated. 

My current address is : XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX Please remove the following addresses from my report as they do not belong to me and are being reported in error : Wrong Addresses : XXXX XXXX XXXX XXXX, XXXX, WA XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX. 

I will await an updated copy of my credit FILE to reflect these changes. Thanking you in advance. Sincerely, 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 non-monetary relief
Consumer complaint received 2023-02-19
Company: CITIBANK, N.A.
State: IA
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 went to Best Buy to purchase a laptop and the lady that was helping me offered me 10 % off if I sign up for their loyalty program. I asked her if it was a credit card and she said no. I agreed to join their loyalty program with the understanding it was not a credit card. Halfway through the sign up process it asked me for my social security and I asked her if they were running a credit check and she said no it was just for companys information. It wasnt until later on when I realized that I did not get the discount. 
A couple weeks later I got a letter from the mail letting me know I was denied for a credit card from Best Buy. 
They lied to me and ran my credit report without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-05
Company: Go Capital Holdings, LLC
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Go Financial financed a XXXX XXXX for me in XXXX. In XXXX I fell behind on payments and when I tried to call and pay they told me the vehicle had already been charged off. I did not pay on the car for two years and then one day they came and got it and sold the vehicle. Go Financial then went on my credit report and changed the status from charged off to " In repossession ''. I want this removed off of my credit report due to erronous reporting and them already collecting money for the car in their charge off insurance and selling the car again.

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 2018-03-08
Company: Coinbase, Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have an account with coinbase.due to some technical chargeback issues.I have been locked out of my account since XX/XX/2018.I talked to them o phone a dozen time.but they just say they have escalated my issue.which usually take 4-6 business day or little longer.buf its been 20 days almost.still no one has a clue.i no longer wan na be with this coinbase and want to withdraw all my fund and close the account but they dont even let me do that .says once resolved then only I can access my account to withdraw.but they gon na take few days few weeks few months or a year or forever.loosing my mind.feels like biggest mistake of my life to be in crypto in coinbase

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: Experian Information Solutions Inc.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Submitted a dispute in XXXX on XX/XX/XXXX for portfolio recovery. I dont have results from XXXX but on XX/XX/2021 Experian reported the disputed item unfairly without investigation results.

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 2020-11-15
Company: U.S. BANCORP
State: MD
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
XX/XX/2020 - I received a U.S. Bank Relia Debit Card from the Colorado Department of Labor and Employment last week to receive unemployment benefits. I do not live in Colorado ; I live in Maryland. I did not EVER file for unemployment insurance, hence, I do not want or need this card. I believe this may be a case of identity fraud. I would like to deactivate this card immediately.

I tried contacting U.S. Bank Relia Card Customer Service at XXXX XXXX and could not reach a live person to deactivate the card. Rather, an automated message asked me to put in the 16-digit card number and PIN. I do not have a PIN, since I never activated the card. I also could not get to an operator to discuss any other options.

Online, I was able to email a fraud report form ( found at https : //cdle.colorado.gov/sites/cdle/files/USB_ReliaCard_Fraud_Form.pdf ) to XXXX. I also found this XXXX Form and submitted it, as well : XXXX  : XXXX ( without my social security number, since I did not feel this was a secure platform ). 

To be on the safe side, I also contacted XXXX to set fraud alerts on my accounts. I also ran a credit report through XXXX  and see that there were soft inquiries from the Colorado Department of Labor and Employment ( XX/XX/2020 ) as well as from the Ohio Department of Labor and Employment ( XX/XX/2020 ), which are both very concerning.

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 2017-08-11
Company: E*TRADE BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
MY ETRADE CHECKING ACCOUNT WAS CLOSED WITHOUT MY PRIOR AUTHORIZATION. MY ETRADE CHECKING ACCOUNT WAS FUNDED DIRECTLY BY MY HARD EARNED SOCIAL SECURITY BENEFITS VIA DIRECT DEPOSIT AND I HAD NO WAY TO PREPARE FOR MY ETRADE CHECKING ACCOUNT BEING CLOSED. I HAVE COMMUNICATED WITH ETRADE AND HAVE BEEN UNSATISFIED WITH THE RESPONSE. I WAS TOLD BY XXXX XXXX, XXXX UTAH OFFICE VIA PHONE CONVERSATION XXXX/XXXX/17 THAT THE ACCOUNT WAS CLOSED AND A CHECK WAS ISSUED NO. XXXX IN THE AMOUNT OF {$5500.00} BUT I NEVER RECEIVED THIS CHECK. LOSS OF THIS MONEY GOT ME EVICTED FROM MY FORMER RESIDENCE. I FEEL ETRADE IDENTITY THEFTED ME BECAUSE IT CLOSED THE ACCOUNT WITHOUT ALLOWING ME TO WITHDRAW ANY FUNDS AND I HAVE BEEN SUFFERING WITHOUT THIS MONEY FOR QUITE SOME TIME. I AM A SEVERELY XXXX SENIOR AND THIS IS QUITE UNFAIR HOW ETRADE HAS HANDLED MY CHECKING ACCOUNT WITH THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A collection showed up on my XX/XX/XXXXreport approximately XX/XX/2020 from Sunrise collections, original creditor XXXX. I have disputed this debt. It is fraudulent. I have been a victim of identity theft. I have no knowledge of this debt and this company is not used in the area I live. I want this debt verified and removed from my report. Reported to FTC, IdentityTheft.gov XX/XX/2020. Showing late on my credit everyday. Legal action being taken, law enforcement contacted.

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