BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-06
Company: Liberty Loan Co inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Liberty Loan keeps contacting me in for a loan issued to XXXX XXXX. I have nothing to do with that loan and I want them to stop calling me ASAP or I will file legal actions against them. I have no ties with her and I want them to leave me alone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
Reporting the information is coming from the court house when its not its coming from a third party that is reporting under the us bankruptcy court name

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: SYNCHRONY FINANCIAL
State: OH
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:
unauthorized hard inquiry SYNCHRONY FINANCIAL ( Finance ) XX/XX/202XXXX 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 2020-01-22
Company: Express Collections, Inc.
State: TX
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:
I noticed a collection on my credit report I didn't recognize. I mailed the agency a request for validation on XX/XX/XXXX via certified mail XXXX tracking number XXXX XXXX XXXX XXXX XXXX ). They replied in a letter dated XX/XX/XXXX, but not received by me until XX/XX/XXXX. They asked for more information which they would already have on file since they are actively reporting the account to the credit reporting agencies in my name. This letter was a blatant dodge of the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Hello, I have been a Bank of America customer for nearly a decade. I recently filed a claim about some fraudulent activity that took place with the debit card that was linked to the XXXX XXXX feature of my XXXX. On the morning of XX/XX/XXXX, my phone was used to make 8 different transactions totaling in {$2300.00} to a number that I have never been in contact with. I do not know who did this to me. I brought up the fact that my debit card had also been stolen from me that night and an investigation was opened. After a few weeks, I was issued a temporary credit. After another couple of weeks, this credit was taken back, leading to my checking account being overdrawn by {$600.00}. I am still in the negative and have called Bank of America, pleading that they re-open this investigation. Additionally, I have filed a police report and have reached out to XXXX XXXX support to get answers as to who sent money to themselves using my phone. It makes ZERO logical sense that I would overdraft my own bank account by over {$600.00}, so it really upset me that the investigation research deemed that none of the activity was fraudulent and that all transactions were authorized by me. That is simply not true, and now I am out funds that I direly need. I am beyond disappointed with Bank of America at this point and have every intention to never conduct business with them once I receive the proper restitution.

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 2018-02-06
Company: Stearns Ventures, LLC
State: WY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Stearns Lending sold my Mortgage to XXXX XXXX but didn't transfer my last payment. They are holding a {$1500.00} payment since XXXX. My bank has contacted them but they say they've transferred it. They havent.

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 2020-11-30
Company: EQUIFAX, INC.
State: TX
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 have sent in a dispute to Equifax about Hard Inquiries on my credit report I have received a reply stating I had to call the creditor but they could not verify the inquiries on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: MONEY SOURCE, INC., THE
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
i sent in my normal payment on time and with escrow as i have done for the past 4 years, {$1700.00} i wasnt aware that my escrow was short so i continued to send {$1700.00}. they held my payment in escrow until the following month ( XXXX ) to aplly it to XXXX payment and repeated to do so for 2 months until i realized it was short and paid the balance immediatly, my credit score dropped almost 100 points due to this slight error

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: Experian Information Solutions Inc.
State: GA
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:
Hello, 4, 30 day lates appear against my credit report, with XXXX, XXXX  and experian which is inaccurate. All payments are due within the same month to prevent 30 day lates from appearing. 

Once payments are made, proof of payment email is provided. All showing payments made within same month, and not 30 days late. 

Their decision to report is very inconsistent. And unfair to consumers. 

Payments for XX/XX/XXXX was made in XXXX. XXXX payment was made in XXXX. The same for XXXX and XX/XX/XXXX. I have attempted to resolve with the organization however continue to receive the runaround. One person said email my concerns. I did, another said fax. Another said no, you have to mail. Ive done all 3 now and have had no resolve. I have offered to share proof of payments Ive received from their automated system after a payment is made to show its within the 30 days/same month. 

For example XX/XX/XXXX payment was made XX/XX/XXXX. How is this a 30 day late? 

This is heavily affecting my credit and preventing me from purchasing a new home. I ask that they review what I have received from them showing my payments are made within the same month. When you pay your mortgage the next month that is when the 30 day is charged against you. That is not the case in my situation.

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 2021-11-03
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
My account was put on review on XX/XX/21 and since then I have not been able to use my account in coinbase, without being able to withdraw the funds entered into the account. I tried to contact them but according to them there was no problem in my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
When I received my most recent bill from Citi Costco Anywhere Card, after reading the fine print, discovered that my interest rate was 29.99 % APR! I immediately called the company to find out why and when that happened. The representative informed me that the rate on my card increased back in XX/XX/2020 and was due to late payment/credit performance. I asked if that late fee had been refunded, he confirmed that it had. I have no idea why I was not notified of this increase, I would have immediately contacted Citi to correct and stopped using the card. I then asked him to reduce the interest to the original rate. He said that he could not do that, my card was " ineligible ''. That it is reviewed every 6 months and I would have to wait another month or two to call back and ask. Meanwhile, his answer was that I continue paying on the card at 29.99 % interest. This is inexcusable abuse by Citi to charge anyone 30 % interest on a credit card. I have always liked my Costco card which is why I use it but today 's situation is highly 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 non-monetary relief
Consumer complaint received 2021-11-03
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I applied for the card with the welcome bonus but upon application I was told that I would not be eligible for the welcome bonus. So I cancelled the application but due to some technical glitch on AMEX 's website the account was opened anyway. I immediately closed it and rejected the account terms. I respectfully request that it be removed from my credit report because it was opened due to AMEX 's error

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a client check in the amount of {$10000.00} and funds were transferred from XXXX XXXX  to Wells Fargo on XX/XX/XXXX. Wells Fargo has put a hold on the funds until XX/XX/XXXX. They have given me a range of excuses such as there were not sufficient funds in the payees account to a suspicious signature. I have asked Wells Fargo to contact the XXXX XXXX   employee that handles the account and XXXX XXXX continues to refuse to release the funds to my account. This appears to be yet another Wells Fargo scam. They are holding my funds and earning interest from XX/XX/XXXX to XX/XX/XXXX. I have full documentation.

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 2020-05-19
Company: EQUIFAX, 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:
I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$1000.00} XXXX XXXX {$610.00} XXXX XXXX XXXX XXXX XXXX {$2400.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: Lending Club Corp
State: MT
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
A woman named XXXX from this company called my employer and revealed she was a debt collector and embarrassed me in front of all my colleagues in addition to putting my job at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: EQUIFAX, INC.
State: MS
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Addresses : XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX Employers : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: Razor Capital, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Razor Capital tried to sue me for a utility account that I am not liable for. I sent the law firm they hired ; XXXX and XXXX, information about the identity theft case. I sent them information from the IRS, the FTC, the police department and all of the information they needed. They ignored the information and instead sent me the bill claiming that this was verification enough. They tried to get me to agree to a default in judgment and pay them 800 + dollars. I declined and responded with why I wasn't liable. I missed the court day due to an emergency health situation. I filled a motion to set the judgment aside with all of the original information they should have considered and taken a look at before. This debt is beyond the statute of limitations to even collect on a debt that is 7 years old. I will be filing a complaint with the FTC and the attorney general.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: NC
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: The CBE Group, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid XXXX on XX/XX/2021 for {$160.00} and turn in all my equipment on XX/XX/2021 but on my credit report with XXXX  it still say I still owe for {$280.00} to CBE group which is the collection company that XXXX  sent my account. I contact the CBE group to make them aware that account has been paid off and to remove off credit but it is still showing and also contact Spectrum to make them aware also.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Experian Information Solutions Inc.
State: TX
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 has failed to investigate into my ID Theft case, and they have left unauthorized credit pulls on my account after multiple accounts of trying to remove them. Several disputes have been opened & no assistance has been provided in over 35 days. This goes against the Fair Credit Reporting Act, and I need this to be fixed as soon as possible. 

Hard Inquiries involved : US SM BUSINESS XX/XX/XXXX XXXX SM BUSINESS XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX The above inquiries are unauthorized & were not made by me. All other inquiries ARE authorized by 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 non-monetary relief
Consumer complaint received 2018-02-06
Company: CITIBANK, N.A.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We have sold our primary residence moved across the country, and are now in the process of trying to buy another home, but we have an incorrect reporting of 90 days in default on a mortgage made by Citi Mortgage. Citi Mortgage is reporting we were 90 days in default on a mortgage we had already paid in its entirety. We were paying off a mortgage a few months early on our second home, a property we now own out right. 

We mailed a check for {$16000.00} on XX/XX/2017 to pay off the mortgage. We received a letter from them on XX/XX/2017 saying we were paid in full as long as the funds weren't returned. In XX/XX/XXXX the said they the check was returned, we contacted Citibank N.A., whom assured us Citi Mortgage has the funds and on XX/XX/2017 sent us a copy of the cleared check. We sent this Citibank N.A. cleared check copy to Citi Mortgage, followed up with a call and they said they had our funds and they were being used to close the account. 

On XX/XX/2017 Citi Mortgage sent us a letter stating our account was in default. I called and got no where, they only wanted me to make loan payments. Fortunately they also sent a letter saying if we were a service member we could get some assistance, so we called and the service member assistance person got on the phone call with us, and that made all the difference in the world. Citi Mortgage said that they had our funds, and have had received them XX/XX/XXXX. 

Also after that XX/XX/XXXX letter we started receiving daily phone calls threatening us with ruining our credit if we didn't pay on that loan. They would transfer our phone call, Someone from Mortgage would say they knew the loan was paid off and they would correct it. In the end they apologized, stopped the threatening phone calls and assured us there would be no reporting of late payments or loan defaults because they had our payoff funds the whole time. 

On XX/XX/2017 almost a year after they first acknowledged they had received a loan payoff, they sent us a check refunding late fees they had assessed for late payments, with an apology for their error.

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 2020-05-13
Company: PENNYMAC LOAN SERVICES, LLC.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was charged {$25.00} for a Payoff Demand Letter, and PennyMac did not disclose the fee upfront. Even the customer service rep ( who was very nice ) agreed that made no sense. PennyMac would not refund it when I pointed out that the fee was never disclosed to me and isn't published on the page of My Account where a Payoff Demand Letter is requested. There is no reference to a fee anywhere, and the Customer Service Rep wasn't able to provide me with a reference to where this fee is mentioned anywhere, either. I will never do business with this company again. 

As of XX/XX/2020, this is the text on the Payoff Demand request page ( I have a screenshot ) : Payoff Request If you are working with an escrow officer or attorney as part of a real estate transaction, they will contact PennyMac on your behalf to obtain this information. 
Important things to remember : You are responsible to continue to make all payments on your loan until it is brought to a XXXX  balance. Late fees/adverse credit reporting may be affected if payments are not received. 
If you pay off your loan and you are set up on PennyMac AutoPay you must cancel the service at least three ( 3 ) days prior to your scheduled payment date in order to avoid a draft from occurring while your payoff is being processed. 
When sending in payoff funds, please follow the payment instructions in the payoff statement. 
If you are moving, please remember to update your Mailing Address so we can be sure to get important documents, notices and/or refund checks to you promptly. 
If your loan had an escrow account, any remaining funds will be mailed to you within 20 days from the date your loan is paid in full. 
After your loan is paid off, you will continue to have online access to your loan for 18 months. You will be able to access your Statements & Document section and review your Loan Information. 
How It Works Select a date that is available for you to choose to payoff your loan. 
You will receive a notification when your payoff statement has been processed and you will be able to view it in the Message Center where you can view and print your payoff demand. 
Payoff Demand Statements are time sensitive documents the message will be auto-deleted in 30 days, encourage you to print save on your own device. 
Get Started PayOff Reason Expected Payoff Date Please choose a payoff date within the next 30 days. 
Submit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Santander USA is the worst company in the world. I have been forced to pay a car I never drove. I went to a XXXX dealer to finance a car and asked them for a black. After signed papers work they delivered a red car. I called santander and they told me they couldn't do anything to return the car to the dealer but they could take the car and sell it for me and pay it off. We agreed that it was not gon na affect my credit. After they picked up the car they started reporting charge off on my credit. And when they picked up the car they asked me to not make any payment before they sell it. 3 month later I received a letter stating they sold the car for less than the value and I had to pay the difference that was {$10000.00}. We agreed i had to pay {$5000.00} and they was gon na keep my {$3500.00} down payment, my wareanty refund and my gap insurance refund. Everything together was more than {$10000.00}. 1st they broke our agrement, 2nd they messed up my credit and now they're reporting the account is paid for less than the amount own. 
I'm looking for to bring santander in court but don't know how. To everyone, if a dealer try to give you a car loan through santander be careful because you will be disappointed at the end. The worst bank ever

Company response to consumer: Closed with explanation