BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-21
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I tried Making a purchase on my consumer card through Commenity Bank ( XXXX ) purchase did not go through and they still took the money off of the card. The Purchase did not go through on the end of XXXX but the card company states that I made the purchase. Every time I call, I am transferred to a different person and am told different information. I have been hung up on 4 times. Every time I talk to XXXX, I am told to talk to bank, and bank tells me to talk to XXXX. I have gotten no where. I am just trying ti get this resolved because I do not want my credit score to go down or owe {$3200.00} for a purchase I did not make.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-14
Company: WELLS FARGO & COMPANY
State: RI
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: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 XX/XX/2019 XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late 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 2017-03-12
Company: Freedom Mortgage Company
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a FHA loan with Freedom Mortgage and my mortgage insurance was scheduled to fall off on XX/XX/2017 I have called several different times to confirm this date. I 've been staying one month ahead on my payments so last month I called because I was wanting to make my XXXX payment, but the online site was still showing the mortgage insurance was still included on the payment. So I called a customer service agent with Freedom Mortgage who checked and verified the date of XX/XX/2017 and stated that was correct, and that the online site had just not updated yet since I was a month ahead, and told me my payment would go from {$420.00} to {$380.00} so if I wanted to I could go ahead and pay the {$380.00} and that it would probably be better to mail it than pay online so she mailed me out another statement and said it would't hurt to make a note on it that the mortgage insurance was due to fall off on XX/XX/2017 I was paying for XXXX so it was no longer due and that this was my new amount. Well I decided to just wait and let my payments catch up and it would update on it 's own, So I received my XXXX bill and it still does n't reflect the amount that is to fall off. So I call again on XX/XX/2017 and that agent tells me that I need to request for the mortgage insurance to remove in writing and mail or fax it to them. That really upset me, I told her I just spoke to an agent the previous month & what she had told me, so she said she would talk to her supervisor to see about having it expedited. when she returned to the phone she said her supervisor stated that the mortgage insurance payments ran a month behind so I would have to pay them for XXXX and it should be updated before my XXXX payment.I told her I did n't agree with that that a date was set of XX/XX/2017 and that should be the date they honor & that I would find someone to check into this matter for me to see if what they are saying is true or not.

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 2020-01-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
To avoid fraud, I'm trying to place security freezes on my credit with the three bureaus. 
I've done this successfully with the other two bureaus, but Experian won't do it for me. When I fill out their online form, I get an error that they can't place a security freeze with the information I've given them.

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 2022-06-17
Company: Experian Information Solutions Inc.
State: AZ
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 XXXX  # XXXX, has violated my rights.

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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
This is to report the wrongful repossession of my XXXXXXXX XXXX XXXX XXXX  on Friday, XX/XX/XXXX, by the dealership from which it was purchased ( XX/XX/XXXX ) ; XXXX XXXX Nissan of XXXX, Georgia. Please see the police incident report. 

In this case, the nature of Wrongful Repossession was abusive and completely unwarranted by my XXXX  LOAN ACCOUNT STATUS, which was CURRENT. In fact, I typically paid an extra {$25.00} on my loan account monthly. Please see loan status screenshot. 

Subsequent to the taking and recovery of the vehicle, a major engine component failed ; ie, the Engine Fan. This mechanical failure limited my usage of the car to near zero. The {$100.00} analysis of the vehicle shows an {$800.00} repair pending to replace the Engine Fan Assembly. 

Although the car was still under warranty when it was recovered from XXXX XXXX Nissan, I clearly had NO CONFIDENCE in a trustworthy repair being done there, or at any local Nissan XXXXXXXX XXXX XXXX agent/service center at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report 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 non-monetary relief
Consumer complaint received 2017-07-19
Company: ResidentCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I have a debt of {$1600.00}. I called to find out options on settling. They informed me XX/XX/XXXX I could settle for {$1000.00}. After seeking counsel, I was told to call back and speak to a supervisor to try to negotiate payment since I am a XXXX single female who is working hard to improve my quality of life and pay off debt acquired during my XXXX/ XXXX time. I called back XX/XX/XXXX to speak to a supervisor. My agent was incredibly rude and said they would n't transfer me even though I 've requested numerous times to speak with a supervisor. Naturally I called back multiple times to see what other department could help me. The different departments apparently were all the same 3 people, ( did not know that ), so the other agent yelled at me and was so rude. Stated that I was harassing them and they would take further measures if I called back again. He would not listen or answer any of my questions regarding a supervisor or how to make a payment. I have yet to be given any payment details. He stated that he would be getting me and was going to advise that the settlement amount was removed cause of harassment. I want not rude nor did I even yell, let alone did not harass anyone. He yelled, talked over me and would not allow me to speak or ask any questions and eventually hung up on me. Shocked at this treatment I figured maybe he needed to cool off. I called back shortly after to ask how to make a payment and the moment they answered said they were emailing admin to report harassment and hung up. They continually refuse payment and these are the people supposedly collecting payment for debt?? I simply need a reasonable amount to pay as a person recovering from XXXX in a car accident ( not at fault ), XX/XX/XXXX, XXXX : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX & XXXX in XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and lasting effects. Just need a reasonable abut and how to pay. They refuse to speak to me to accept payment. I will gladly provide my details if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: Coinbase, Inc.
State: WV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, I sold XXXX BTC with my account with Coinbase. Per their confirmation email, I was to receive {$1100.00} USD in my bank account no later than Thursday, XX/XX/XXXX. I did not receive the deposit.
On XX/XX/XXXX, I submitted an online support ticket asking where the deposit was. I have received no response.
On XX/XX/XXXX, I sent an email to Coinbase support asking where the deposit was. I have received an email thanking me for submitting my request, but have not received any additional response.
On XX/XX/XXXX, I sent a direct message to Coinbase Support via XXXX. I have not received a response. 
On XX/XX/XXXX, I sent a direct message to Coinbase Support via XXXX. I have not received a response. On XX/XX/XXXX, I sent a direct message to Coinbase Support via XXXX. I have not received a response. On XX/XX/XXXX, I sent a public " XXXX  '' to Coinbase CEO XXXX XXXX. I have not received a response. On XX/XX/XXXX, I called Coinbase 's only advertised phone number, which is their Fraud Prevention line. I left a message and have not received a response. I know my bank account is able to receive deposits from Coinbase because I have received other deposits, including one since the sale on XX/XX/XXXX. On XX/XX/XXXX, I initiated the sale of all other crypto-currency Coinbase was holding for me and I received that deposit on XX/XX/XXXX.
The money was supposed to be in my account on XX/XX/XXXX at the latest. It has been 8 business days since the sale and 5 business days since I was due to receive the money. Where is the money? Where is the customer service? At this point, I am considering this to be fraud. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: Avant Credit Corporation
State: CT
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I applied for and was approved for a loan with Avant Credit, issued by XXXX on or around XXXX of this year. At time of application/approval, terms such as high interest rate of 35.94 % were not disclosed. Rate was learned about after reviewing terms on company web-site recently, it did not show previously. Had I known about such a high rate, I would not have applied. I borrowed XXXX and will be paying more than double that at end of 60 month term, this is ridiculously high. 

After doing some research, it appears Avant charges everyone the same flat rate, regardless of credit score/worthiness. My score at time of application was in the mid to high XXXX range and my rate should not be so high, there seems to be something shady going on here. A number of XXXX reviews show a large number of negative reviews about Avant, most about high interest rate. I spoke with a XXXX XXXX at Avant and was not able to resolve matter, he defended the rate and claimed to have screen shots showing terms, rate, etc. There is no way he can show/prove what was shown to me on my end/my computer screen, at time of application. 

This is XXXX of several complaints filed, previous complaints were referred to FDIC, Avant stated they received a similar complaint from them as well and replied. I have received no reply from FDIC in regard to this matter. If AvantXXXX thinks I will pay over XXXX in interest, more than the loan principle, they are sadly mistaken. 

In closing, please advise Avant/XXXX that they will not see anymore payments until rate is lowered. XXXX XXXX as well as another Avant rep have also been advised the same. Their address is XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, UT XXXX. My address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Back in XX/XX/XXXX I moved to XXXX stayed at brother in laws houseLittle I knew he purchased a house in XXXX under my name using my informationThe house went foreclosure I moved to XXXX in XX/XX/XXXX recently I wanted to rent a apartment the leasing company checked my credit they informed me that I have loan under my name with 5th thirth bank I was shocked I contacted the bank they told me to contact the credit berue I really need help I have never been in this situation before please reach for help thank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21
Company: OneMain Finance Corporation
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
One Main Financial Initially during the Pandemic I was able to use my unemployment insurance for several months and the insurance paid on my account. My unemployment expired and I was still not working because I'm a high risk candadite for Covid. I was searching for remote work. I sent correspondences trying to negotiate a settlement. I was unsure of when I would be working and I know my funds are still limited I am currently still trying to secure housing and One Main is unwilling to negotiate a settlement. It may be years before I have the funds to pay that debt in full in the mean time interest is being compiled causing me additional hardship. I was told that I could only use my unemployment insurance for a select number of months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: STERLING JEWELERS, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX XXXX XXXX on behalf of Kay Jewelers have sent me numerous emails over the past few days congratulating me for opening an account. I have replied to the emails that this is a scam and I never opened a card. I also called their customer service XXXX and they asked me to provide my SSN to be able to look up my account. I told them this is a scam and Im not giving my SSN out over the phone. They looked up my account by name and said they didnt have any accounts in my name.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
I am a first time home buyer and am in the process of purchasing a home under FHA. I was suppose to close on XXXX XXXX, 2016. It is now XXXX XXXX, 2016 and Freedom Mortgage does not return my calls or emails. I am in fear I will loose my new home due to their neglect and lack of due diligence. I have submitted ALL items needed and this company is either toying with me or wants me to walk away as I have yet to close and they keep asking me for items I have already turned in. I have emails to back up all above statements. Also this home is only {$86000.00} with the buyer paying my closing costs, this is a great deal to start off my future for my daughter and I and its all at stake because of this offices lack of business ethics. Please Help!!

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 2016-09-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I bought a car on XXXX XXXX and the temporary tags expired yesterday XXXX/XXXX/2016. This car needs to be registered XXXX although it was bought XXXX. My mother is on the loan and car with myself and she resides XXXX which is why it needs to be titled and registered there. I will also be returning to XXXX to live within a few months as well. The dealership sent me the memorandum title but i need the official title which is held through my lien holder-fifth third bank. I went to the XXXX XXXX messenger center in XXXX XXXX in order to handle all of the required payments to title the car XXXX. They need the ORIGINAL title from 5th third and have sent several forms to the bank asking for the title. Fifth third will not respond to their requests and when I call they tell me it is not their problem and that they ca n't issue the title and either blame it on the dealership OR the state of XXXX. I am now unable to drive the vehicle which i need for transportation to and from work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: SYNCHRONY FINANCIAL
State: GA
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:
This company has the worse service Ive ever dealt with. I made a complaint with you and a lady named XXXX acted like she cared but could never get a hold of her the line is always Busy. I have made this very clear my XXXX item was returned with XXXX XXXX  and have the buyer acknowledging that as well. Its pretty clear a credit is due I dont know what why I have this frustration trying to get them to acknowledge that I have already returned it jeez guys its not that hard to see when the information is clearly in front of you. I have asked for a credit to be due and closing my account with them Im really done with these guys horrible customer service and horrible customer relations I dont need that. I have provided the tracking and pictures when I sent that item back to vendor.

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 2020-01-14
Company: EQUIFAX, INC.
State: NV
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 am requesting the following inquires be removed from my credit profile due to fraud. I am a victim of fraud and have been in a repair stage of my credit due to someone fraudulently attempting to be me. Please remove the following inquires from the following companies from all three of my credit reports equifax, XXXX  and XXXX XXXX. 

XXXX XXXX Credit Report Inquires : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX Factual Data : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax Credit Report Inquires : XXXX XXXX XX/XX/XXXX Factual Data XX/XX/XXXX Factual Data XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX All of the inquires on XXXX  Credit Report are fraud in result of being a victim of identity theft please remove all of the inquires due to fraudulent person attempting to apply for credit in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-19
Company: Check Security Associates, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Below is the letter they finally sent me after via email after asking for them to send it by mail which they wo n't do initially. It took the weeks of calling me to finally even send the email. Warner Asset Location Services XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX Phone : XXXX Fax : XXXX XXXXXXXXXXXX Payment Arrangement XX/XX/XXXX Account Information This notice is to inform you that the above referenced debt with XXXX XXXX and all rights and obligations regarding this debt have been assigned Warner Asset Location Services for immediate collection. Warner Asset Location Services has agreed to the payment arrangement below to satisfy your delinquent account with XXXX XXXX. Number of Payments : 1 Payment Date Payment Amount Status Type XX/XX/XXXX $ XXXX PENDING BALANCE IN FULL Once the final payment has cleared, your account will be considered paid in full and reported to the proper credit reporting agencies, where applicable. Furthermore, you will be released of any financial and/or legal obligations pertaining to the above referenced account as well as any remaining balance. If you do not adhere to the terms of this payment plan, your agreement will become null and void and we will continue to exercise all pursuant legal rights and remedies under applicable laws to obtain repayment accordingly. If you have any questions related to the above referenced payment plan, please do not hesitate to us toll free at XXXX XXXX Monday through Friday from XXXX XXXX EST. Please refer to your Account ID as indicated above on all questions and payments. Federal law requires that we notify you that this is an attempt to collect a debt and any information obtained will be used solely for that purpose. Sincerely, Warner Asset Location Services Original Creditor : XXXX XXXX Original Account Number : XXXX Account ID : XXXX Current Balance : $ XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation