BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: TX
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:
Account is not mine. never herd of business. Did not open this account. Identify thief. 
I have never done business with XXXX XXXX and do not know who they are. 
Account info Account name XXXX XXXX XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$530.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$530.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$530.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
The complaint is against a company called Coinbase. They are a Cryptocurrency exchange. I have been investing for months and my account is about {$18000.00}. I can no longer get onto my account because I have been locked out by this exchange. They purposely do not have Customer Service to speak to and everything that you do to try and recover the account goes in a complete circle. It is again purposely set up this way. I want my money back from this fraudulent scam company!!!! and I would also like to see this company be put out of business!!! They are a disgrace and if you look online you will will see thousands of people complaining just like me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-04
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
i have tried repeateadly to set up a payment with this company ..they insist on more than i can afford..but they always accept my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: CASHCALL, INC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
the lender was very good at giving the loan out at making 135 % interest! but when I tried paying off the loan early ( there was no prepayment penalty stated XXXX the kept giving me the run around about pending payments and wanted me to overpay the balance on the loan! RIP OFF COMPANY TAKING ADVANTAGE OF PEOPLE IN NEED!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: AMERIS BANCORP
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I had a miserable experience applying for and being approved for a mortgage loan with Ameris Bank. Ameris discriminated against me based on my race, and the banks actions ended up costing me {$7700.00} in total. I worked with a rep named XXXX XXXX who treated me differently after I scanned in a picture of my ID and she saw that I was a minority. I was called kiddo, and threatened to be XXXX by XXXX after she was aware of the color of my skin and my race. XXXX flat out lied to me and told me my debt to income was too high to do XXXX XXXX ( XXXX  ) FHA loan. She told I would do the tradition FHA with Ameris. I explained that I know she was being untruthful because I calculated my own DTI ratio and was under the requirements for XXXX XXXX. I was told that I had high levels and that my deal was a long shot and its not her fault. I asked her to send me what she was telling me in writing so I could have that information for my records. She reiterated that I would not and did not qualify for XXXX XXXXXXXX but she would send it anyway. I later asked her to be removed from my loan. During closing, I was pushed back on 4 separate occasions. Ameris led me to believe the delays were due to my finances, or another party involved, when at closing, it was determined that the delays were caused my Ameris bank. I was told I was cleared to close and my closing date was confirmed in writing by Ameris on XX/XX/XXXX for XX/XX/XXXX at XXXX which caused me to take off from work. I was told the next day that I could sign paperwork but the closing would actually be on XX/XX/XXXX due to the bank having their information wrong. I am leaving an apartment that was due to be sublet at move out saving me 3 months of rent at {$2300.00} per month. Because Ameris delayed me so many times after purposely misleading me about the loan that I qualified and was eligible for, my tenants ended up signing a lease and securing living arrangements elsewhere. I ended up having to take off another day from work putting my job at risk to accommodate Ameris after giving me misinformation about the status of my loan. I feel as though my closing and mortgage application process wasnt handled fairly due to me addressing concerns with the bank about a clear violation of my rights and how it has impacted me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: EQUIFAX, 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 status incorrect

Complaint:
All 3 credit bureaus are reporting different and inaccurate information regarding these account in the attached file. It reporting different open dates for the loans and reporting that they are 120 days late on payments which is incorrect information. With the current loan forgiveness status, all federal loans payments have been extended according to the Trump ( former ) and Biden Student Loan Forgiveness. This information should not contain these current inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: Man-Data Inc.
State: OR
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I made payment arrangements XXXX week ago with pacific coast credit for XXXX a month on the XXXX of each month. I called today to make the payment early. They informed me that they could only accept XXXX $ a month and not the XXXX we had already agreed on. They refused to take my money and said they are going to take legal action against me if I didnt make the XXXX $ payment. I have never recieved a bill from these people. I have never recieved a call. I called them to settle the debt off my credit report that said the bill was XXXX $ but they added more saying it was XXXX {$.00} This is from 2009 mind you. Im in contact with a lawyer now because they have refused to accept the payment we already agreed upon. They already accepted a payment from me of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have sent letters out to the three credit reporting bureaus on dates XX/XX/2022, XX/XX/2022, and XX/XX/2022 regarding the verification on the accounts that are reporting negatively on my credit report. To this date I have not received the documents that I requested via mail that were used to verify the account. After various letters, the credit bureaus refuse to remove or correct this inaccurate information on my credit report. Here are a few items I attempted to correct with the credit bureaus but have not been resolved. 

XXXX XXXX : The payment history of this account is inaccurate. I have not been late on this account. I have contacted the original creditor but was referred back to the credit reporting bureaus to resolve issue. I have mailed out previous letters to resolve issue but there has not been a solution made. 

XXXX : The payment history of this account is inaccurate. I have not been late on this account. I have contacted the original creditor but was referred back to the credit reporting bureaus to resolve issue. I have mailed out previous letters to resolve issue but there has not been a solution made. 

XXXX : This account is not reporting correctly across all three bureaus. The account status is showing two separate statuses. The date that the account was opened is also showing inaccuracies. The high credit balance is showing different. The credit limit on the account is inaccurate. The payment status is not reflecting the same across the bureaus. 

XXXXXXXX XXXX : This account is not reporting correctly according to the FCRA. The date the account was opened is incorrect. The high credit balance is showing differently across all three bureaus. The date of last payment is incorrect. 

XXXX XXXX : This account is not reporting correctly according to the FCRA. The date on the account was opened is incorrect. 

XXXX XXXX XXXX : This account is not reporting correctly according to the FCRA. The date that the account was opened is incorrect. 

XXXX XXXX : This account is not reporting accurately according to the FCRA. The date that this account was opened is incorrect. The balance of the account is incorrect across all three bureaus. 

XXXX  XXXX : This account is not reporting accurately. The date opened is incorrect across the bureaus. The balance on the account is reporting incorrectly. 

XXXX XXXX : This account is not reporting accurately. The date opened is incorrect. 

XXXX XXXX : This account is not reporting correctly according to the FCRA. The date that the account was opened is incorrect. The balance of the account is incorrect.

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 2017-06-12
Company: JPMORGAN CHASE & CO.
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
On  XX/XX/XXXX  I returned a  Mazda CX 5  at end of lease term. Virginia title #  XXXX , last  4 digits of VIN  are  XXXX . Lease terminated on  XX/XX/XXXX . On  XX/XX/XXXX  I received a letter to pay a lease termination fee of {$610.00}. Of that amount, {$290.00} was for " Excess Wear & Use. '' The 3 year lease allowed  XXXX  miles a year or  XXXX  total miles. When the car was returned, the total mileage was approximately  XXXX  miles. On  XX/XX/XXXX  I paid an additional {$800.00} for alleged additional repairs to the car. This was paid to  XXXX   XXXX  's  Leasing Agent,   XXXX   XXXX  who advanced the {$800.00} as a courtesy. On  XX/XX/XXXX , I received a second letter asking for payment of the {$610.00}. I paid the {$610.00} by check on  XX/XX/XXXX , check #  XXXX . This check cleared the bank on  XX/XX/XXXX .   I have received notices after lease end to pay personal property taxes on the vehicle. The first one was for {$290.00} which was paid on  XX/XX/XXXX , Check #  XXXX . I included a note asking that they send me a copy of th e Tax Bill they  would have received from  XXXX  County, VA. They have not. This check cleared the bank on  XX/XX/XXXX . Then on  XX/XX/XXXX , I received another notice to pay PP taxes of {$140.00}. Which I have not paid given the foregoing circumstances. In addition, the Mazda Capital Services  Auto Lease Acc ount Statement of  XX/XX/XXXX  shows a billing of {$25.00} for property tax assessed  XX/XX/XXXX . The Statement for  XX/XX/XXXX  shows a PP tax billing of {$310.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: EQUIFAX, INC.
State: TX
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:
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 2020-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
I initially made a payment to capital one in XXXX and set up a payment plan with them I paid the account in full as of XX/XX/XXXX roughly capital one has consistently reported it incorrectly stating that it was a charge off of {$800.00} and this is incorrect and still stating that I owe them {$250.00} which is incorrect I have found them multiple times in the last 30 days and they still haven't corrected the issue either has experience I like how the item completely removed off my credit report now since they had multiple opportunities to correct it and are reporting it incorrectly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
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: Account information incorrect

Complaint:
I have sent letters out to the three credit reporting bureaus on dates XX/XX/2022, XX/XX/2022, and XX/XX/2022 regarding the verification on the accounts that are reporting negatively on my credit report. To this date I have not received the documents that I requested via mail that were used to verify the account. After various letters, the credit bureaus refuse to remove or correct this inaccurate information on my credit report. Here are a few items I attempted to correct with the credit bureaus but have not been resolved. 

XXXXXXXX XXXX : The payment history of this account is inaccurate. I have not been late on this account. I have contacted the original creditor but was referred back to the credit reporting bureaus to resolve issue. I have mailed out previous letters to resolve issue but there has not been a solution made. 

XXXX : The payment history of this account is inaccurate. I have not been late on this account. I have contacted the original creditor but was referred back to the credit reporting bureaus to resolve issue. I have mailed out previous letters to resolve issue but there has not been a solution made. 

XXXX : This account is not reporting correctly across all three bureaus. The account status is showing two separate statuses. The date that the account was opened is also showing inaccuracies. The high credit balance is showing different. The credit limit on the account is inaccurate. The payment status is not reflecting the same across the bureaus. 

XXXXXXXX XXXX : This account is not reporting correctly according to the FCRA. The date the account was opened is incorrect. The high credit balance is showing differently across all three bureaus. The date of last payment is incorrect. 

XXXX XXXX : This account is not reporting correctly according to the FCRA. The date on the account was opened is incorrect. 

XXXX XXXX XXXX : This account is not reporting correctly according to the FCRA. The date that the account was opened is incorrect. 

XXXX XXXX : This account is not reporting accurately according to the FCRA. The date that this account was opened is incorrect. The balance of the account is incorrect across all three bureaus. 

XXXX XXXX : This account is not reporting accurately. The date opened is incorrect across the bureaus. The balance on the account is reporting incorrectly. 

XXXX XXXX : This account is not reporting accurately. The date opened is incorrect. 

XXXX XXXX : This account is not reporting correctly according to the FCRA. The date that the account was opened is incorrect. The balance of the account is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I initially made a payment to XXXX XXXXXXXX in XXXX and set up a payment plan with them I paid the account in full as of XX/XX/XXXX roughly XXXX XXXXXXXX has consistently reported it incorrectly stating that it was a charge off of {$800.00} and this is incorrect and still stating that I owe them {$250.00} which is incorrect I have found them multiple times in the last 30 days and they still haven't corrected the issue either has experience I like how the item completely removed off my credit report now since they had multiple opportunities to correct it and are reporting it incorrectly

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 2020-10-01
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX, XXXX issued a refund for me, for an item purchased XX/XX/XXXX. The original card used ended in XXXX. The card was replaced with XXXX. XXXX issued the refund to XXXX, rather than the new TDBank card ending in XXXX. I have been calling TDBank daily starting at XXXX EST., checking on the refund. Some TDBank representative would say, yes they see the old card, with NO refund, others said they did not see the card, and the card must have been purged. I KNOW that if a debit/credit card has been replaced, and there is a credit or refund to the old card ; based on " SECURE PROTOCOLS '', ( SOX-Sarbanes-Oxley Act ) banks claim to enforce, in my case TDBank, protect customers, and easily identify debits or credits, from the old card/account. The ripple effect has surpassed {$140.00} per day, in overdraft fees. ( {$35.00} per overdraft ). Current overdraft {$980.00}. I have an audit trail of communications to XXXX, regarding the issue. I call TDBank at least 3 times per day, utilizing their voice recognition through the " XXXX ''. TDBank should have a voice audit trail, as well as the recorded calls quality. I am XXXX, and on a fixed income. The past two days, has had me stuck in XXXX, with severe XXXX. Please help me. Let me know if you need any additional information from me. ( See Attachments )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-18
Company: M&T BANK CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Opened a New Account with M & T on XXXX XXXX. 
Transfered money from my other Bank Accounts on XXXX & XX/XX/2022 for a total of $ 5K. 

M & T placed restrictions on my account to use this money & not letting me Transfer this money. I Called Customer Service to remove the restrictions or close my account and refund my money back to the source accounts. 

They are not doing either, please help me in getthing the account closed get my money refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
IN RESONSES TO CFPB : XXXX XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXXL XXXX XXXX  XXXX : XX/XX/XXXX COMMONWEALTH FINANCIAL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious COMMONWEALTH FINANCIAL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation