BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
unauthorized and inaccurate reporting to my consumer report after being notified multiple times

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 2018-01-21
Company: Experian Information Solutions Inc.
State: NM
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:
Experian is not responding to any of my numerous requests to investigate, verify and remove one account from my credit report that does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
My linked bank account was removed without any notification. 
I have attempted to contact support to determine why this happened, and to re-link the same account to enable money transfers. 

I have had 2 phone calls and 24 email messages to support, while often getting the same canned responses to re-link my account, which is the exact problem I've having problems with. 

Case # XXXX - phone Case # XXXX - email

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-12
Company: Ocwen Financial Corporation
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Increasing my monthly payment without my knowledge since XXXX XXXX from {$430.00} dollar monthly to $ XXXX.I was tried to contact the motgage company called PHH Multiples time but an able to get an answer.My mortgage has been a fixed one and I was surprised that a morgage company has a control on my finance and can modify the rate and garnish my money from my direct payment bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: Bread Financial Holdings, 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:
I previously reported XXXX Commenity Bank to CFPB in XXXX regarding their Unfair Business Practices and am now being retaliated against as a XXXX XXXX American Female, as a prior debt owed to XXXX Comenity Bank was Settled in XXXX and have since made a payment to Settle the debt as was so stated by their Collection Agency XXXX XXXX via XXXX XXXX XXXX which was Paid and Settled on XX/XX/XXXX and was informed that our Credit Report would be Updated to reflect the account has been Settled and has still been illegally reported on all 3 of my Credit Reports in an effort to retaliate against XXXX XXXX-Americans and these inaccuracies should be removed from my 3 Credit Reports immediately, as it negatively impacting our family with obtaining credit and resources to help us navigate during this Global Economic Crisis with COVID-19. This is also another form of systemic racism and oppression towards XXXX XXXX-Americans in the United States and should not be tolerated by an Corporate Entity. It is against the law to oppress U.S. Citizens and further treat XXXX XXXX-Americans as if we are in Slavery with the Oppressing Economic tactics exuded by various Credit Entities and Corporations in the U.S. in a sole effort to restrict Access to Capital because of the blatant, discriminatory, and retaliatory tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: Phelan Hallinan Diamond & Jones, PC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A Court documents Docket # XXXX XXXX  Civil Action Summons was delivered at our home from the Debt Collector name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Ph XXXX.  

Documents is about the debt against property XXXX XXXX XXXX XXXX  NJ XXXX  for which I have no knowledge and never purchased or signed any documents. After the receipt of the letter I called the debt collector and explained that my name and address is picked without their proper verification. There are thousands of people with same name in USA. Official written letter was sent about this and requested to remove our name and address from this case. Court official was notified about that also.

Even after my phone request and written letter they have ignored the fact and replied me with another threatening letter signed by XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On multiple occasions I noticed XXXX and XXXX XXXX online retailer their reporting of a XXXX balance is incorrect and should be deleted from my credit report. I opened an account in XX/XX/2010. Had it for 1 year paid for items received. I ordered holiday items a couple of years later. The items were poor quality. I returned the items via USPS. I called because the credit to my XXXX XXXX account was less than what I returned. company representatives advised all the items were not in the box. I advised them they should check their warehouse, post office but I returned all. The fact they had some of the returns should warrant an internal investigation. No one looked into the matter. I sent letters to the company and the credit bureau. All responded the debt was verified disregarding I returned the items but the company stated it was a partial return. XXXX in more than one case sides with the corporation disregarding proof of error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: CARD Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
The XXXX, or Card.com has been withholding XXXX in money on a card that I've had for years. It's been almost a year. In XXXX, my family and I were victims of a house fire, we lost everything, including our family pet. XXXX  and with children, we of course started a XXXX  account. Out of XXXX they are withholding XXXX. Talk about kicking us while we're down! We've sent everything they've asked, including a legal afadavit, to NO AVAIL. In the meantime they are still collecting their fees!! Can ANYONE HELP US?? We need our money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-17
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/21 finance : I went into a car dealership with a check in my hand from my credit union to purchase a vehicle I didnt need any assistance from any outside companies so I dont understand why all these companies are on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30
Company: Tri-State Adjustments, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Re : XXXX XXXX XXXX - Tri-State CollectionsXXXX.XXXX.XXXXRegarding : XXXX XXXX / XXXX XXXX XXXX ID XXXX XXXXXXXX XXXX collection claim is for a battery for a portable XXXX. 
Invoice Number : XXXXDate of service : XXXX.XXXX.XXXXBalance : $ XXXXXXXXLate fee : $ XXXXXXXXCollection bill total : $ XXXXXXXXXXXX XXXXClaim InformationClaim ID : XXXXMember Services XXXXXXXXMolina verifies XXXX sent a duplicate claim XXXX, only XXXX claim for the battery was verified paid by XXXX. 
XXXX approval date : XXXX.XXXX.XXXXXXXX pay date : XXXX @ XXXX payment : $ XXXXXXXXActual billing for the battery by XXXX was : {$92.00} ( I have the original bill ). 
XXXX is being over charged by the amount of {$65.00}. I am being over charged {$65.00}, or they are trying to collect on a bill in full that was paid in full by XXXX XXXX. 

XXXX has previously sent collection notices and robo-dials for collection XX/XX/XXXX-XX/XX/XXXX. 
I called XXXX ( XXXX ) XXXX XXXX and followed up with XXXX XXXX XXXX, who verified payment was made to XXXX ( case # XXXX ), and who called XXXX to give them payment information. 

I called XXXX ( XXXX XXXX ) to inform them of the update and to expect a call from XXXX XXXX XXXX verifying account information and payment, I also informed XXXX at that time ( XXXX or XXXX ) to stop all robo-collection calls. I told the representative at XXXX that it was okay if she wanted to call me personally and discuss the account, but no more robo-calls. I had also had communications with XXXX about this issue. 
I believed this matter to be resolved XXXX XXXX. 

XXXX XXXX XXXX started collections again for the battery, and the collection notices and the numerous robo-calls for collection has started again. I did not call XXXX again because it is obvious they can not make corrections in their billing department, and because we have addressed this issue once before, although I did call XXXX once again ( now a third time ) to verify payment in full to XXXX. 
My concerns are now focused to a collection agency becoming involved on what I would consider fraudulent billing and collections. 
XX/XX/XXXX. I received a collection letter from Tri- State Adjustments of Wisconsin . 

Tri-State Adjustments XXXX XXXX, Wi XXXXXXXXDebra XXXXXXXXRe : XXXX # XXXXBalance due : $ XXXXXXXXThis account has been satisfied by XXXX, albeit being overcharged by the amount of {$65.00} or XXXX attempting to collect on a bill previously paid in full by XXXX. 
A copy of this complaint was sent to Tri-State collections XXXX.XXXX.XXXXSincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On XXXX XXXX 2016, Citi Bank closed all my credit cards unexpected and about XXXX thank you points was forfeited. I always pay my credit card pills on time and never miss a single payment. I have paid the hefty annual fees on multiple cards and just lost all benefits I should enjoy upon the account closure.

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 2016-12-02
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a letter from Fidelity Creditor Service, XXXX XXXX, XXXX CA XXXX. Telephone number XXXX. 

They said I owed {$1000.00} plus interest of {$110.00} for a total of {$1100.00} that I owe. This was for service from XXXX XXXX on XX/XX/XXXX and I received this letter on XX/XX/XXXX. 
XXXX has been paying my medical bills. This bill was the first time I ever received a bill for this service. I never even knew that I had a bill. Seems odd that Fidelity could send me a bill but XXXX XXXX could not send me the bill. 

So, I get this bill and then I ask for a itemized bill for the date of service and XXXX XXXX said they could not send it to me a copy of the bill since it has gone to collections. I asked collections for a copy of the bill for the money they say that I owe them and have not heard back from Fidelity as of today. 

Also, I am getting charged interest for a bill that I did not know I even had. That just is not right. 

I need assistance with this matter and some advise on what I should do. 

Thanks for the help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
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 XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any Purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft and as a result fraudulent inquiries and charges have been made on my credit card account ( s ) and a misrepresentation of my creditworthiness is publicly displayed to lenders thus causing financial hardship and premature denial of credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-26
Company: Bread Financial Holdings, 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 information incorrect

Complaint:
I contacted XXXX XXXX to have them provide accurate details about a collection account a few months back. Nothing was updated. I recently pulled a copy of my credit report and noticed that the original creditor and the collection agency are both listed on my credit report. This is considered double dipping into my credit causing it to lower my credit score. One of the accounts needs to be removed on my credit either the original creditor or the collection agency. XXXX has several collection accounts on my credit report along with the original credit account and my credit score has been hit because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: Santander Consumer USA Holdings Inc.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
My problem with Santander is they over-charged me a extra {$10000.00} for a XXXX XXXX XXXX the price really should have been {$22000.00} but they " REFUSED '' to correct their error. 

Also I was never late paying on my car note. 

They Re-Age my account by reporting the date of the last activity instead of the date of the first delinquency. 

This is a direct Violation Of the " Fair Credit Reporting Act. '' Violation : Consumer Protection afforded by the FCRA LEGAL JURISDICTION : FCRA Section 605 ( c )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have an item on my credit report that is not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. 
I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.

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 2017-05-22
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1. XX/XX/XXXX XXXX XXXX transferred the loan to XXXX XXXX XXXX. XXXX began to alter checks by scratching out " XXXX & the loan number '' then hand writing their name and a different loan number on the check. 2. XX/XX/XXXX XXXX XXXX received a loan modification prepared by XXXX. The principal balance was raised without explanation from {$250000.00} to {$260000.00}. 3. Between XX/XX/XXXX and XX/XX/XXXX all the loan payments sent to XXXX were never credited to the account. ( XXXX XXXX has all the canceled checks to show the payments were timely sent and cashed by XXXX ). 4. XX/XX/XXXX, XXXX received a " Tax Bill '' from XXXX County Treasurer, stating that XXXX had not paid real estate taxes from the XX/XX/XXXX escrow. 5. Mortgage Interest statement for XX/XX/XXXX from Internal Revenue Service reflects XXXX amounts paid. 6. IRS Form XXXX for XX/XX/XXXX shows that XXXX XXXX XXXX did not report any of the money they received from XXXX ' loan payments made between XX/XX/XXXX - XX/XX/XXXX. 7. XXXX attempted to resolve the issues with the missing money, false negative credit reporting, and other issues with XXXX. She was given a run around by a customer service in XXXX. Then The loan was put into default status, and transferred to NationStar Loan services,  for a Loan Modification under threat of foreclosure. The missing money totaling over XXXX XXXX dollars was never credited to the mortgage account. A Pro-Se lawsuit was filed XX/XX/XXXX in Federal Court against XXXX by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: AES/PHEAA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Late XX/XX/2020 I received a letter telling me that Fed Loan servicing could not approve my public service forgiveness because my employer did not put his name and title on the public service employment certification form. I researched and saw that the information was indeed on the form. I called the FedLoan servicing company and asked why they sent me the letter because the information is on the form. The man I spoke with reviewed form I submitted and verified that the employer representative had included his name and title. He said he would correct the mistake. 

Today, XX/XX/2020, I received a letter dated XX/XX/2020 stating that FedLoan servicing could not approve my public service forgiveness because my employer 's EIN was missing from the form. This is NOT TRUE. The EIN is on the form. All required fields were completed on the form. I find it egregious and irresponsible that this organization is not properly doing its due diligence to ensure that they are properly managing consumers ' form when they send in the requested required paper work. Their ineffectiveness, incompetence, and inefficiency is causing me undue and unnecessary stress during an already stressful time ( Coronavirus pandemic ). 

I have attached a copy of the document that I sent to them. My PII is redacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Payoff process

Complaint:
I paid my Citi credit card account in full. Additionally, I had no new charges for the month. Therefore, I would have expected that my billing statement would have a zero balance. But no. Citi charged me interest anyway that month on what they called " residual interest. '' I know of no other credit card company who has this practice. Their explanation was that I had to pay my bill in full not just for the most recent month but for 2 consecutive months to avoid interest. Wow. Talk about taking advantage of consumers! I 'm ashamed for them. It 's simply inexcusable. A sorry way to trick consumers into paying a lot more interest.

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 2015-05-28
Company: CITIBANK, N.A.
State: MN
Product: Credit card
Issue: Credit determination

Complaint:
I made an overpayment of {$0.00} on my Citi/AAdvantage Platinum Select Card a few months back. Got my XXXX 2015 statement and it shows no credit. The balance is XXXX out. The Account Summary section of the statement shows the following adjustment : Post date : XXXX/XXXXDescription : Balance removed due to XXXX mos inactivityAmount : $ XXXXXXXXThis is the XXXX time of all my 30 plus years of credit card history to encounter such an adjustment on account credits from a credit card issuing bank. I also wonder how many accounts Citi Bank has XXXX out and pocketed the gains from account holders. Encourage the CFPB to look into the matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-26
Company: PORTFOLIO RECOVERY ASSOCIATES 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 information incorrect

Complaint:
I contacted Portfolio Recovery to have them provide accurate details about a collection account a few months back. Nothing was updated. I recently pulled a copy of my credit report and noticed that the original creditor and the collection agency are both listed on my credit report. This is considered double dipping into my credit causing it to lower my credit score. One of the accounts needs to be removed on my credit either the original creditor or the collection agency. Portfolio has several collection accounts on my credit report along with the original credit account and my credit score has been hit because of this.

Company response to consumer: Closed with explanation