BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-27
Company: LOBEL FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
LOBEL FINANCIAL
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

I LEASED A CAR FROM LOBEL TWO MONTHS LATER THE CAR GAVE OUT ON ME IT WAS A LEMON. I TOLD THEM TO GET ME ANOTHER CAR AND THEY REFUSED. I TOLD THEM TO PICK UP THEIR CAR AND TILL THIS DAY THEY ARE CHARGING FOR A VEHICLE THAT HAS EITHER BEEN JUNKED OR SOLD FOR PARTS. I THINK THIS IS UNFAIR. THIS HAS BEEN GOING ON SINCE XXXX XXXX XXXX  AND BECAUSE OF THIS I CAN'T GET ANOTHER VEHICLE SO I CAN GO TO WORK TO TAKE CARE OF MY FAMILY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CO
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:
This complaint arises from incorrect reporting on my credit report. In the past XXXX years, Infiniti Finance has reported my account over 30 days late on XXXX different occasions. In XXXX of XXXX, a payment deferral was taken due to XXXX, at that time the late payment was to be added on the back end of the loan. The next payment made in XXXX was made on-time, however Infiniti financie inadvertenly put that payment towards principal only. From that point on, a late payment did accrue. There has never been a missed, nor a late payment on this account. Please see the attached payment history as well as the last 24 month statements. 

In XX/XX/XXXX I submitted a disput on XXXX XXXX and nothing was resolved. On XX/XX/XXXX I called Infiniti Finance to discuss the situation and it was discussed and reviewed that no payments were ever late.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
My account was reassigned to this company effective XXXX 2015. When I XXXX received their bill notice, it stated I was 90 days over due. When I phoned & spoke with a person, I informed them that my account was just reassigned as of this month. They kept telling me I was 90 days behind. I paid the balance on XXXX, and I recently received a bill with an outstanding balance and added charges. A person arrived to my residence today, XXXX & handed me a note to call mortgage company. It was the wrong mortgage company. He started to take pictures of my residence. This debt collection company is acting as if I have not paid the balance due. They have initiated steps towards a " foreclosure '' on my residence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19
Company: United Student Aid (USA) Funds
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Usa funds has taken my tax return and i am on a rehabilitation program with them since XXXX of this yr. I needed that money to buy a car and pay my landlord rent an deposit where i just oved in. I hope this is the correct area to send this i really need some urgent response thanks

Company response to consumer: Closed
Consumer complaint received 2022-04-08
Company: GRANDVIEW FINANCIAL SERVICES INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
An account for a loan of a vechile was opened fraudulately XXXX my name from a grand view finacial company and now is XXXX my credit report for XXXX owed. Ive never even tried to get a car loan I've always purchased my used vechiles outright with cash. I've disputed this account several times and have gotten no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Navient consistently misstates the amount due on my student loan, calls constantly including after XXXX XXXX, and sends emails stating my account is past due for days after my payment has been made electronically.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have sent several letters to the credit bureau letting them know that the information on my credit report for Transunion and XXXX is reporting inaccurate information on my credit report. As a result of this information it is putting a strain getting approved for other loans and jobs and this is the only thing effecting it. XXXX XXXX  is reporting incorrect information to the credit bureaus Transunion and XXXX. Its not just inaccurate information but the two reports are saying two different things. I have told XXXX XXXX  about this and the credit bureaus. I have not ever been in foreclosure. I would like for these accounts to be deleted as XXXX  has investigated and deleted this inaccurate account. If this issue is not resolved I will begin litigation process to the fullest power. i have already contacted a lawyer and was told to try this process one last time. It is the bureaus job to report 100 % accurate information and clearly they are not when comparing the reports. I ask that you follow suit and delete these accounts immediately Transunion account # is XXXX XXXX  account number 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 2021-03-16
Company: LoanCare, LLC
State: MA
Product: Mortgage
Sub-product: FHA mortgage
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 see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2021-03-16
Company: Experian Information Solutions Inc.
State: OH
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 have sent several letters to the credit bureau letting them know that the information on my credit report for XXXX  and Experian is reporting inaccurate information on my credit report. As a result of this information it is putting a strain getting approved for other loans and jobs and this is the only thing effecting it. XXXX XXXX  is reporting incorrect information to the credit bureaus XXXX  and Experian. Its not just inaccurate information but the two reports are saying two different things. I have told XXXX XXXX  about this and the credit bureaus. I have not ever been in foreclosure. I would like for these accounts to be deleted as XXXX  has investigated and deleted this inaccurate account. If this issue is not resolved I will begin litigation process to the fullest power. i have already contacted a lawyer and was told to try this process XXXX last time. It is the bureaus job to report 100 % accurate information and clearly they are not when comparing the reports. I ask that you follow suit and delete these accounts immediately XXXX account # is XXXX Experian account number 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 2022-04-08
Company: Experian Information Solutions Inc.
State: MN
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:
This account was opened due to stolen identity, and was never remover after years of back and forth with Experian Credit Bureau. Now this account has passed the statute of limitation and the date of last activity which is 6 years in Minnesota. It is still on my consumer report. I have sent several request and it is still not removed Account name XXXX XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {XXXX}, XXXX written off. 
Status updated XX/XX/XXXX Balance {XXXX} Balance updated XX/XX/XXXX Recent payment $ XXXX Monthly payment {XXXX} Original balance {XXXX} Highest balance {XXXX} Terms NA On record until XX/XX/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 2015-05-17
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
ALL XXXX AGENCIES ( EXPERIAN, XXXX, XXXX ) ARE GIVING ME THE RUN AROUND SAYING I HAVE ALREADY RECEIVED MY REPORTS, WHICH I HAVE NOT..THIS IS THE SECOND YEAR IN A ROW..THERE IS NO WHERE ON THE REPORT REQUEST TO DISPUTE IT OR FIND OUT WHATS GOING ON

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-08
Company: Avadyne Health Holdings, Inc
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This medical collection was paid by my Union insurance with XXXX to the XXXX hospital. I was and still am covered under my Union Insurance during the time of this work place injury, which is the reason why I am not nor should have ever been responsible for a paid medical bill cover by my insurance for a work place injury. H & R Accounts Inc. is a collection company who has illegally reported this derogatory medical debt collection to my credit report. I have never received any letter regarding this bill but H & R Accounts still reported this illegal account to my credit report. This is costing me thousands of dollars in interest and irreversible damages to my credit score. Please let this serve as my formal complaint against H & R Accounts Inc. for illegal reporting negative paid by insurance medical collections to my credit report without notifying me first.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
DO NOT RECALL APPLYING FOR THESE ACCOUNTS

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 2016-03-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I contacted experian to remove XXXX dept it is being reported twice by them and also XXXX XXXX XXXX. It still remains

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 2022-09-15
Company: EQUIFAX, INC.
State: DE
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 would like to state that Equifax is in violation of 15-USC-1681 b ( a ) 2 which states a consumer reporting agency may furnish a consumer report in accordance with the written instruction of the consumer. 
I the consumer never gave Equifax any written consent to report anything on my consumer report. No consent is identity theft. I demand that Equifax remove these inaccuracies off my consumer report. They are hurting my consumer report .Keeping me from extending my credit. If they are not removed. I will not extend my credit to anyone or allow Equifax to furnish a report for me. Persuit to 15-usc- 1681 ( a ) 1 states that the Banking system is dependent upon fair and accurate consumer reports. 

XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/2022 - I checked my online banking account- noticed an unauthorized transaction of {$500.00} from Debit card - I immediately called and reported. 
Was told my card needed to be closed out a new one ordered- they said transaction will be stopped and funds replaced. 

Today XX/XX/2022 I needed to transfer funds in my checking today XX/XX/2022 ( from my savings ) so I could make a daycare payment and pay another bill - UNABLE to do this without the overdrawn amount being taken out - as this caused my account to be overdrawn as it was not authorized so did not transfer funds to cover - I DID not authorize this and Wells Fargo had NO business authorizing a payment from an account that did not have the funds- I was transferred many times only to hear sorries and apologies. They even transferred me to a XXXX XXXX one time!!!! 

I can not do anything with transaction - Wells Fargo kept transferring me and I kept having to call back - I requested numerous times to be transferred to a manager or supervisor - the last time waited on hold entirely too long. I have been banking with them for YEARS and this is ridiculous. ANY other time a transaction is DECLINED for NO funds to cover in account - EVEN if I have it in my savings- THIS was not a normal transaction for me so usually a Fraud alert will pop up - NO ONE CAN explain where the ball was dropped and told me all they can do is apologize and I had to WAIT! on top of that one person had the nerve to YELL at me and act like I had NO reason to be upset and did not deserve a fast resolution to this. As if me banking with them for YEARS meant NOTHING. I am NOT a new consumer!!!

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 2017-01-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I 've been batting with Experian for the last year to get negative and fraudulent account off my credit report. I 've Called experian and asked what they needed.. I 've called police, the XXXX place. Experian I guess chooses who and when to help a consumer. I need to get this resolved bc my family needs to move and this account and some lates are killing my credit. Please see attached evidence and I have more and can upload if needed. I 've learned so much about the laws and how to protect yourself.

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 2022-10-27
Company: Freedom Mortgage Company
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On or about XX/XX/XXXX I received a second escrow analysis showing my mortgage payment dropping XXXX plus dollars. 

I called Freedom mortgage and tried to show them why the analysis was not correct explaining what my taxes are and even sending them copies of my property tax bills. They after doing a reanalysis said that I was not correct and that they did not make any error. 

While on the phone getting this answer in XXXX I had asked for my ACH ( auto payment ) to be updated and have the extra money XXXX or so dollars put into my escrow account. 

Sometime in XXXX I noticed that my mortgage auto payment had gone down to the incorrect amount leading me to go in and update the amount myself which began in XXXX or XXXX. 

Today I just received a new analysis stating I have a XXXX shortage and based on what they say my payment is going up XXXX a month to cover this.shortage so I called and spoke to a rep and they see all my notes from my previous conversations. 

My complaint is how can a call center REP see and understand the proof I showed as to why Freedom Mortgage made an error but the analysis people and those responsible for making the changes could not. At the end of the day it is the consumer that suffers because now I have to deal with the increased mortgagee amount which was caused by the mortgage companies neglagance.

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 2022-10-27
Company: CITIBANK, N.A.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States i Have The Right To Privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Theses companies and accounts have been going against my rights and violation as a consumer this is unconstitutional I am asking that theses accounts be investigated and deleted off of my credit report immediately. I do Not owe theses debts and i am requesting a cease and desist immediately

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 2016-01-06
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is allowing XXXX XXXX to report a re-aged inaccurate account that does not belong to me on my credit report. This illegal tactic is allowing XXXX to report the inaccurate information on my credit file for a linger period of time. I disputed this information with Experian last year and they confirmed that XXXX XXXX verified the accuracy of the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for the Chase Explorer MileagePlus card based on a direct mail promotion that required {$2000.00} in spend for XXXX bonus miles. Instead they gave me a different offer that required {$3000.00} in spend which I didn't meet in the time frame. I wasn't instantly approved, it took longer than expected to receive the card. 

I spoke with XXXX ( a supervisor ) on XXXX and she told me the request for adjustment would take XXXX  days or so. Took much longer to hear from them. It took until XX/XX/XXXX to receive the answer they would not meet the terms of the offer I applied for. 

I escalated to XXXX in XXXX, MO, her leader XXXX XXXX also in XXXX, MO and XXXX XXXX in XXXX complaints ( XXXX XXXX ) after receiving the letter. 

My invitation number was XXXX. I need to apply by XX/XX/2022, which I did. The code above my name XXXX Since I met the requirements for the offer I applied for, I am requesting that the bonus miles be applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I transferred {$25000.00} from my checking account using an ACH wire on XX/XX/2021 to my coinbase.com account. The reference number for the transfer is ELECTRONIC/ACH DEBIT COINBASE.COM XXXX XXXX XXXX. The money was never credited to my account. I emailed coinbase.com user support multiple times, but no one ever responds. I spoke with XXXX XXXX at XXXX XXXX XXXX  in NY, which is coinbase 's bank. XXXX tells me that XXXX XXXX received the wire transfer and sent it to coinbase. The trace number for the wire transfer is XXXX and XXXX XXXX direct telephone number is XXXX XXXX. I have provided all of this information to coinbase.com in a series of emails, but they haven't responded. The reference number for the inquiries I have made to coinbase.com is Case # XXXX. Please help!

Company response to consumer: Closed with explanation