BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-15
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:
There are 13 accts on my credit report that do not belong to me I have been disputing these since XX/XX/XXXX I need them off my credit report since they are not mine I have not applied signed or doner anything with these companies and I dont know why they are reporting incorrect information and ruining me!!!! 

XXXX XXXX - XXXX Opened XX/XX/XXXX {$120.00} XXXX XXXX - XXXX Opened XX/XX/XXXX {$680.00} XXXX XXXX - XXXX Opened XX/XX/XXXX {$120.00} XXXX XXXX - XXXX Opened XX/XX/XXXX {$120.00} XXXX XXXX - XXXX opned XX/XX/XXXX {$680.00} XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX {$340.00} XXXX XXXX XXXX - XXXX XX/XX/XXXX {$5300.00} XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX {$6200.00} XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX {$1900.00} XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX {$1200.00} XXXX XXXX - Acct # XXXX Opened XX/XX/XXXX {$0.00}

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 2017-07-02
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/XXXX I feel behind in payments due to illness and unemployment. In XX/XX/XXXX I was in a truck accident in the vehicle I got from Santander for which the vehicle was upside down when medical personnel arrived and the truck was a total lost. I gave them the vehicle back and had GAP insurance. I thought it would cover the cost of the vehicle and make me break even, they also sold the vehicle and mad a profit off it and they did n't take the sale amount of the truck. Also they are still charging for this vehichle. perpetratory charges of late fees and interest, these vehicle they got me owning more now than the original amount of the vehicle. They keep reporting different amount to the credit bureaus each month a duplicates sometimes. I cant believe these lender can do this to my as a consumer i feel like my constitutional rights have been violated.Every month these lender is causing derogatory marks on my credit bureaus.Please help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: Coinbase, Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I bought XXXX $ worth of BTC. I have reciept from my bank and Coinbase. The coin doesn't show up in my portfolio. This is not the first time this has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
after being lead to believe we had a verbal agreement with Santander Consumer USA Bank on the amount 0f XXXX in monies put on a account with XXXX XXXX  for future monthly payments on the phone ; Santander Consumer USA repossessed my XXXX XXXX XXXX Vehicle on XX/XX/XXXX then on XXXX i made a payment through my son XXXX XXXX account of XXXX dollars then afterwards my son put another payment of XXXX which that would clear up any monies owed to the debt and still as of today Santander Consumer USA had not even released a letter of redemption ..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
When traveling in XXXX, my primary Bank Of America Premium Rewards Visa Card was lost ( On XXXX ). During a 5 hour period immediately following, my credit card was used to withdraw more than {$2900.00} from various XXXX ATM 's - using the cash advance feature. 

The fraud was immediately reported the next morning ( Within 10 hours ), and after a lengthy process of fraud review - my valid claim has been repeatedly denied by Bank Of America. I have supplied supporting evidence ( see attached ) - and still had my claim denied. I will also note that by the time I was able to submit the claim, my card had already been shut down for " suspicious activity '' - as I would expect. This further indicates the Bank was aware of the unusual spending. 

Various representatives from Bank Of America have indicated that the reason for the denial was related to it being opened as a 'Counterfeit '' - rather than " lost card claim ''. This was due to a error on their part. Even after re-opening the claim under the correct type, it was still denied. 

I have received various reasons for the denial ranging from " Chip and PIN was used '' ( Which is correct, because the card was stolen ) - to " Patterns of spending matches previous account activity '' - this is entirely false, and doesn't make any sense. I've never used cash advances on credit cards, let alone from XXXX ATM 's in Europe. 

Based on the type of card I have ( Visa ) - I should have protection from this exact type of fraud. Bank Of America is refusing to honor my valid claim - and I would like to resolve this. 

Here is a complete timeline of events -- XX/XX/XXXX - XXXX - XXXX - Card lost / fraud occurs at XXXX ATMs XX/XX/XXXX - XXXX Original Claim Opened XX/XX/XXXX - Original Claim Denied ( Letter received XXXX - see attached ) XX/XX/XXXX - Claim Reopened immediately - Denied ( Letter received XX/XX/XXXX - see attached ) XX/XX/XXXX - Claim Reopened again XX/XX/XXXX - Fax sent with supporting evidence ( Notice of delivery attached/ as well as evidence in the form of location data and supporting transactions ) XX/XX/XXXX - Letter Received Claim Denied for wrong amount ( {$5200.00} ). " Based on account history - charges consistent ''. I have never used an XXXX ATM before - left alone one overseas. 
XX/XX/XXXX - Another BOA Credit Card - placed on hold for no reason. Called / couldn't confirm why. Card unblocked - no suspicious charges. Odd behavior. 
XX/XX/XXXX - Called Fraud Dept. Rep noted claim was escalated. BOA has not received my fax yet - account notated. 
XX/XX/XXXX - Called Fraud Dept. BOA has not received fax yet. Advised to resend. No further updates.

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 2019-11-19
Company: Freedom Mortgage Company
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX is reporting a 60 day late payment on my mortgage account. I filed a dispute in XX/XX/2019. The result received indicated the information had been confirmed with Freedom Mortgage and will remain on my credit report as a 60 day late payment. I contacted Freedom Mortgage and was assured that my mortgage was never reported 60 days late. The creditor insist there is nothing they can do because they never reported the information. XXXX  insist there is nothing they can do because it is information received from Freedom Mortgage. I've filed a second dispute with XXXX and received notification that I could not file a second dispute on the same issue. The inaccurate information remains on 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 2022-05-01
Company: EQUIFAX, INC.
State: NC
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:
In accordance with the Fair Credit Reporting Act Convergent, the below accounts has violated my rights : XXXX - Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXXXXXX XXXX - Acct # XXXX XXXXXXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXXXXXX XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX  - Partial Acct # XXXXXXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  - XXXX Acct XXXX XXXX 15 U.S.C. 1681 Section 602A, states I have the right to privacy. 
15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hello, My complaint is two-fold. 1. I sent them an email in regards to being a veteran and not paying PMI or MIP. I was told to call XXXX and have been unsuccessful. Therefore no results. As a veteran it is advertised that a veteran pays no PMI or MIP. I purchased the house in XX/XX/XXXX and became a XXXX in XX/XX/XXXX. Bank of America was aware of my status since I gave them notice. I have paid PMI or MIP since XX/XX/XXXX thru XX/XX/XXXX. Can you help? <P/>2. I make advance principal payments to pay down my mortgage. I rec 'd a letter reading that I do not have to make a payment till XX/XX/XXXX. As of today I have paid advance principal payment through XX/XX/XXXX. Therefore the year XX/XX/XXXX should show up on my amortization schedule. What reads on my current amortization schedule is XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As I continue to plan on making advance principal payment the normal reading of my amortization schedule should start reading the amortization starting XX/XX/XXXX as of XX/XX/XXXX. Can you help? <P/>CFPB has helped me in the past and did an awesome job and you were able to obtain just results for me. <P/>Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Credit Control, LLC
State: CA
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:
XXXX disputed a account through via XXXX and XXXX however I never reviewed or received any documentation from the agency with my signature. Nor did I give any permission to the credit bureau to talk to to anyone about this! So whom did they speak with during the investigation??? I am DEMANDING THAT THE ACCOUNT IS DELETED FROM MY REPORT. This is a violation of my SCRA rights. In addition to 15 US 1692d1, 15 US 1692g

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 2022-05-02
Company: LEXISNEXIS
State: PA
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:
Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now, this is my last attempt before I take legal action. The law you are violating is clearly here. The civil liability law which I will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting the Congress make the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Went online to pay bill sent to debt collector in amount of XXXX. Would not let me access account info. A link popped up for chat line to talk to agent. I talked agent gave account number they started typing my wife owed XXXX from 12 account and how did I want to pay.i told them I owed XXXX from original debtor they keep saying other amount then typed in bold capital letter we owed 12 account XXXX. I have never dealt with these people ever before. I will not pay a bill I dont owe. So I stopped chat. They will not let me pay the XXXX we owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: CITIBANK, N.A.
State: CA
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 've received several hard inquiries that I do n't recognize. XXXX is from XXXX XXXX on XXXX XXXX, XXXX. I called XXXX and they reported there is no record of my name anywhere in their system. There are XXXX other hard inquiries from Citibank XXXX XXXX XXXX on XXXX XXXX, XXXX and XXXX XXXX XXXX when I 've only applied XXXX time to XXXX. Also for XXXX XXXX there are XXXX inquiries on XXXX XXXX XXXX and XXXX XXXX XXXX when I only applied XXXX time on 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 2017-10-24
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The loan company Specialized Loan Servicing located at XXXX XXXX XXXX # XXXX in XXXX XXXX CO has been carrying my loan for the past XXXX years. I have requested this company to provide me with a copy of all the records and documentation of my loan sinceassuming the loan from XXXX XXXX XXXX. I have submitted XXXX requests in writing, but the company had ingored my request and is refusing to provide the documentation I have requested. It is my understanding that financial institutions are requred to provide any and all documentation of any loan transaction upon request. SLS is completely ignoring me and refusing to respond to my requests. What can I do?

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 2021-06-15
Company: Experian Information Solutions Inc.
State: CA
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:
While I was getting a loan, the bank had mentioned that my credit and payment history is excellent but of one negative on my report for delinquent payments. I said I pay all of my loans. They mentioned XXXX and I have no idea who they are. I called XXXX. They wouldnt give me any information because none of the questions they asked me matched. I asked to speak to a supervisor or manager. Again none of our info matched. I asked them if they have my ss # so I could say my last 4, and they said they dont have my ss #. I asked if they could email me what I could do. They dont even have my email address. I asked them what this was for and they said they can give me that information. I have disputed this with Experian. They cant even give me info what is it that I supposedly bought. I dont know what else to do but just know that anyone can put something negative on my credit report without having my personal information. I do whatever I can to keep my credit good and something like this is so frustrating and irritating that theres nothing I can do to maintain this. I feel helpless and I dont understand why I'm getting stuck paying someone else 's stuff. If I'm going to get stuck with this payment can I atleast get whatever it is?? Thank You! XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
For months I've been severely affected by the two items in my XXXX XXXX XXXX and Citizens Bank When I contacted Citizens I provided my FULL SOCIAL to verify the alleged account ending in XXXX with the alleged amount of {$430.00} and verify it so I could make plans to resolve it ( since the account was still owned by them ) they could not find any record of said account that is reporting NEGATIVELY and defaming my character via XXXX XXXX. 
Yesterday XX/XX/2021 I pulled my account and it's still there. This is inaccurate and frivolous they can not find the account, it should not be reported, also there is no " closure status date '' for Citizens and there is one for XXXX this is INCOMPLETE. I do not agree with this. 
This defamation of character is hindering my ability to open bank accounts and better my future for my children and me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-15
Company: Flagstar Bank, N.A.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I initiated a refinance effort in late XXXX, 2019. I expected the loan to close in early XXXX. I believed payoff on this loan was made timely by my new lender XXXX XXXX XXXX. Despite contacting Flagstar repeatedly asking for an update via chat, email, and phone, the Flagstar team could never confirm receipt of payment from my new lender. My new lender insisted that the payoff was sent, which was my reply as time wore on and Flagstar repeatedly called for a payment on XXXX mortgage. I informed every caller my new lender says the payment was sent and do you see anything on your side? Each time, the response I got was no payment received and once, It can take up to a month for payoffs to show. Having heard that, I was not particularly concerned that this was anything other than payments crossing in the mail. 
For 2 weeks, I showed an open balance on both the new lending institution ( XXXX ) and Flagstars respective online portals. I provided Flagstar the payoff wire code details from XXXX without prompting from Flagstar to get some movement on this. I never received any response from Flagstar regarding the payoff wire neither yes, we saw it, but or we dont have that transaction code in our system. NOTHING. 
I later learned that both Flagstar & XXXX paid the same homeowner insurance premium. On Flagstars side, that changed the escrow balance, and therefore changing the payoff amount. For that reason, when the payoff wire came in, it was inadequate to satisfy the loan in full, and was accordingly rejected the next day. Still no acknowledgment for the receipt or notification of the rejection from Flagstar. All the action and pursuit to resolve this was initiated by me and my lender reaching out to Flagstar. I never got any substantive information from Flagstar other than, your mortgage payment is late. Based on what Flagstar reps told me it could take up to a month, and both mortgage lenders showing a balanceI had every reason to expect this to get resolved with a little patience. 
When XXXX contacted Flagstar, they learned of the error. To address this, the updated payoff was recalculated by Flagstar, paid off by XXXX, and the subsequent loan closure was resolved quickly. 

I have called, written and emailed Flagstar to appeal their decision to file negative credit information about me. My argument is simple, what should I have done differently? What was my mistake? I have yet to receive an answer. I had two active loans should i have paid both? Does Flagstar have a responsibility to alert the borrower or the new lender about the rejected payment? They gave me incorrect information repeatedly when I proactively tried to fix this. Now, appealing this for my 5th time, Flagstar has rejected me again. This is totally unacceptable. They are penalizing my credit for THEIR mistake ( s )!

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 2022-05-01
Company: Experian Information Solutions Inc.
State: IL
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:
In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written 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 explanation
Consumer complaint received 2021-06-16
Company: CCS Financial Services, 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: Account status incorrect

Complaint:
I was treated with XXXX during XXXX and XXXX and couple of payments were delayed for 2 months while I was on bed / on treatment. 

As on date, I had already paid / settled the outstanding amounts but still apprearing on my credit report which is impacting my credit. Please help.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XXXX/XXXX/XXXX i started a XXXX purchase with Coinbase. They cancelled my order on XXXX/XXXX/XXXX. They notified me saying i would get a refund to my bank account and it has been XXXX days. But i have not received the refund. I think they may have scammed me. 
I have sent them multiple emails and clearly stating my situation and i even tried contacting them on twitter with no luck.

Company response to consumer: Closed with explanation