BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 sent a letter regarding inaccurate info and unknown things being on my credit report to transunion60 days ago. I have not received as response yet and seems as if my disputes being ignored

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 2021-10-03
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 sent validation letters to the following three Credit Reporting Agencies ( CRA ) : Experian, XXXX and XXXX. They did not properly investigate my dispute with XXXX XXXX XXXX. XXXX XXXX is reporting inaccurate information on my credit reports with the bureaus mentioned above. They continue to report monthly balances on my credit report when they wrote this debt off and claimed a tax credit for the write off. I told the CRA that it should reflect a XXXX balance on my credit report as of the last date of the alleged non payment which was allegedly back in XX/XX/2015. Each month they are hitting my credit report as if I am currently past due on this debt for {$370.00}. The CRA 's failed to do a proper investigation and continues report the accuracies due to poorly trained staff as to the nature of this dispute. I am requesting they remove this alleged debt from my credit report based on the inaccuracies and false narrative in the way this alleged debt is being reported as a current debt. They also have not provided me with any written documentation from this creditor demonstrating I owe this debt. I believe they verified this debt through an automated process ACDV Request through e-Oscar rather than physically calling and communicating with the company. Efforts to get these agencies to delete this information from my credit reports has been unsuccessful. The same is true for XXXX as well. They failed to conduct a reasonable investigation into my disputes. See 15 U.S.C. Section 1681 s-2 ( b ). All three credit bureaus verified these alleged debts.

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 2017-03-13
Company: MILEND, INC.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
Milend Corp refinanced over a year ago. Was contacted by broker rep XXXX stating he took over files and wanted to see if he could help with another loan. Advised not now, but he started asking all kinds of questions as to what changed, and when he asked if I knew what my credit score was I said yeas, but I insisted he not pull a report as I had too many inquiries from the past. he said he would not and had enough to go on, still told them not now, did not listen..Hours later was notified that a credit hard was pulled, he did it anyway, and come to find out he pulled my wife 's too and she never talked to him.Now I am banged with another credit pull. He lied about his company and stated they hold the loan ad they do not, it was sold 2 months after settled. Spoke to Vice President of Milend, defended this XXXX, and made me feel like I am the liar. well they record conversations, check it. I insisted he be fired and lose his license as I am sure he has done this before to others, very unethical. I refuse to be scammed and lied to on such a serious matter I am now flooded with mortgage offers from this pull.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Chase will not release the remaining funds from the insurance settlement I received as a result of storm damage my home received last winter. The amount they are holding is approximately XXXX. The give me inconsistent answers as to why they are holding back the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: NAVY FEDERAL CREDIT UNION
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX XXXX is a retail store that uses XXXX to process its credit cards. All of the money from sales that are made by credit cards in XXXX XXXX 's store are received by XXXX who transfers it to XXXX XXXX who is then to deposit them into XXXX XXXX 's bank account. Beginning on XX/XX/XXXX XXXX began to deposit XXXX XXXX 's funds into four different bank accounts. Can did not authenticate the four different bank change forms that XXXX received nor did they authenticate that the new accounts were owned by XXXX XXXX.The first bank account involved was XXXX XXXX  routing number XXXX account # XXXX The deposits made to XXXX XXXX are XX/XX/XXXX {$8700.00} ; XX/XX/XXXX {$7300.00} ; XX/XX/XXXX $ {$7000.00}. 
The second account was Navy Federal Credit Union routing # XXXX account # XXXX The deposits in this account are XX/XX/XXXX {$10000.00} ; XX/XX/XXXX {$36000.00} ; XX/XX/XXXX {$17000.00} ; XX/XX/XXXX {$25000.00} ; XX/XX/XXXX {$17000.00} ; XX/XX/XXXX {$17000.00}. 
The third account was XXXX XXXX  routing # XXXX account # XXXX The deposits this XXXX are on XX/XX/XXXX {$17000.00} ; XX/XX/XXXX {$21000.00} ; XXXX {$8000.00} ; XX/XX/XXXX {$9200.00} ; XX/XX/XXXX {$8600.00}. 
The fourth bank is XXXX XXXX XXXX XXXX routing # XXXX account # XXXX. The amounts are XX/XX/XXXX {$7900.00} ; XX/XX/XXXX {$7000.00} ; XX/XX/XXXX {$21000.00}. ; XX/XX/XXXX {$10000.00}. ; XX/XX/XXXX {$8800.00} ; XX/XX/XXXX {$7000.00} ; XX/XX/XXXX {$7100.00} ; XX/XX/XXXX {$8400.00} ; XX/XX/XXXX {$17000.00} ; XX/XX/XXXX {$12000.00}. 
XXXX XXXX sent letters of indemnification to all the banks except XXXX XXXX to request the return of XXXX XXXX funds. XXXX returned approximately {$59000.00}. and approximately {$75000.00}. was returned by either XXXX XXXX or XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: HEARTLAND PAYMENT SYSTEMS INC
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I returned a call to Heartland ECSI after receiving an automated call from them on XXXX/XXXX/XXXX, asking me to return their call. The customer service agent looked up my account and I logged in online to view it as well. She said it did n't show I owe anything and that I 'm not delinquent. However, my account page shows a past due balance, 1-month delinquency and a total balance due XXXX/XXXX/XXXX. This information varies depending on which section I view, for example it shows that I do not owe anything on the home page but in 'history ' it shows balance due XXXX/XXXX/XXXX. The customer service agent told me that I should n't pay attention to that, and reiterated that I do not owe anything. I asked why it says in parts of my account that I do, and she had no reason but again told me not to pay attention to that. She said that what I was seeing meant that I could pay on my loan if I wanted to. I viewed my most recent statement online ( ending XXXX/XXXX/XXXX ) which also showed a past due amount and current amount due XXXX/XXXX/XXXX. I pointed out that the statement does not say anything about a payment being optional. The agent told me that she did n't know why the statement looked like that and again said that I do not need to worry about it. I asked if I could record a conversation with them confirming that I do not have a balance due on this account, and she said they do not allow recording so they will not speak with me if I am going to record the call. I asked the agent if they record phone calls between us, and she said yes but only for training purposes. I asked to speak with a supervisor. I was put on hold, the agent answered the line again and said that all of the supervisors are in a meeting and she will ask them to call me later. There are no documents available in the 'document ' section of my online account. I am only able to view everything, including my statement, online so I am uploading screen shots of everything. I would like my online account and statements to accurately reflect my loan and payment status as well as any payments due so that I can protect myself as a consumer. They are not allowing this by having conflicting and false information online. They are misrepresenting my current responsibility by producing a statement that makes it look as if I have both a past-due balance and current balance owed. They said they mailed the statement but the address on the statement is a past address, which does n't match the one they have in my online account information. To top it off, their refusal to allow me to record our conversations makes it difficult if not impossible to protect myself against inappropriate attempts to collect this debt and negative credit reporting should it occur. Thank you for your time and assistance in remedying this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Hello, I am getting in touch because I have received an unauthorized charge from Coinbase on the card I use to buy digital currency. This is the second time I have received such a charge ( the first time I worked through my credit card company and promptly received a refund ). 

For two weeks now I have attempted to work with Coinbase to identify the issue. Further, since I raised the issue to Coinbase they have locked my account ( I am unable to buy and sell digital currency ), presumably out of a concern about fraud.
Coinbase 's website indicates that their representatives respond within a day in cases of fraud, however I have been waiting two weeks for resolution. In the meantime the unauthorized charges in the attachment I have posted below are still on my card. Thanks so much for your help. 

1 ) XX/XX/XXXX : {$1500.00} - Legitimate charge 2 ) XX/XX/XXXX : {$950.00} - Legitimate charge 3 ) XX/XX/XXXX : XXXX : UNAUTHORIZED CHARGE - I did not make this charge and did not receive any email documentation from coinbase regarding this charge. 

4 ) XX/XX/XXXX : Refund from my credit card for an unauthorized charge. 

5 ) XX/XX/XXXX : UNAUTHORIZED CHARGE - this is the same situation as Charge 3 above - I did not make this charge and did not receive any emails from coinbase about it ; it simply appeared on my credit card statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
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 2015-05-15
Company: BMW Financial Services NA, LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I had fraudulent activity on my checking account. I had to request stop payments to conserve cash to pay my rent. I opened a new checking account but the issues continued and it takes up to 90 days to get money back. 
BMW Financial Services would not take my bank account or debit because of the returned automated processing with changing accounts and the fraudulent activity. They did not provide an easy way to pay them and instead harrassed me and accused me of setting up payments and canceling them. They also charged late payments and reported negative credit. I am working with XXXX XXXX XXXX to draft a letter for the payments due to fraud activity but they are still refusing to acknowledge any issues of this kind which is UNFAIR and UNJUST!. I have always paid them timely. They did not provide me a way to pay online or over email. I had to call and listen to several include a supervisor say accuse me of delinquency rather than provide a way to pay. Of course, being upset, they would not provide the way to pay until just today XXXX/XXXX/2015 by XXXX XXXX after several months of advising of the situation. I had to make a choice, pay rent or pay car. I let them know I would pay as soon as I got the money for the fraud ( I do n't have it all back ) but today I am paying them in full vs having food etc. for the rest of the month. There should be policies in place if you have fraudulent activity that vendors will allow letters from bank to waive the fees and provide an easy way to pay versus harrassing their clients. I am sick with their poor services and chastasizing me. I do n't want to do business with them in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: EQUIFAX, INC.
State: TN
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 have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23
Company: Seterus, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seterus Mortgage Company tacks on a XXXX Hazard Home Insurance on my mortgage even though I have XXXX insurances on my home. XXXX with XXXX through the HoA for the outside walls and XXXX with XXXX XXXX that I have for the interior items. We have been faxing them documents for the past XXXX months. I called them last week, they said they got it, but they needed some more information. They do n't bother to call and tell me anything. Same thing happened a XXXX ago. Last year it took XXXX months to remove this added insurance and refund it to my mortgage. This year its now been XXXX months, so I have to pay extra every month so I do n't have late fees or late on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: Westlake Services, LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I took a title loan out with Wilshire Consumer Credit, an extremely high interest, short term loan, for about {$2600.00}. The terms were 10 % per month. I intended to only have to make one payment before paying them off but I ended up making two, XX/XX/XXXX & XX/XX/XXXX but then I had the funds to pay off the loan XX/XX/XXXX. Because I had to wait for a check to clear I called in to provide my account information on XXXX XXXX, I was given a payoff amount, was told that the funds would be removed in the next day or two and my pink slip would be returned in about 5 to 7 days. on XXXX XXXX I started receiving calls from Wilshire. When I responded I was told by the lady who answered that they had not been able to take the monies owed because I had given them incorrect account information and that I now owed an additional $ XXXX. I told her that I 'd given the correct information and asked why I would intentionally give them an incorrect account number. I also asked why they had n't called me back and at least leave a message immediately upon realizing there was a mistake. I was told that I should 've realized the monies had n't been removed and since I wanted my pink slip it was my responsibility to contact them. I told the lady that I was happy to pay the payoff amount given on XXXX XXXX but no more. Her reply was that was n't going to happen and she passed me on to her supervisor, XXXX XXXX. XXXX initially i.d . 'd himself as being XXXX XXXX for some reason. XXXX then proceeded to intentionally mangle the pronunciation of my last name, XXXX. Then when he reviewed the matter, he also stated that I had given them an incorrect account number. When I rejected that notion he became very condescending and told me that there was a tape of the conversation, that he would listen to and then decided if I had given an incorrect account number or not. I told him that we should listen to the tape together. He rejected that and said that was n't possible. Through out the conversation XXXX was extremely condescending and very unprofessional in that he repeatedly cut me off and talked over me, many times being merely repetitive. He ended the call by saying he would listen to the tape & make his judgement. I did n't hear from XXXX until XXXX/XXXX/15, when I received a collection call. I checked my account & they still have n't removed the funds. I just went through the same initial call that I went through before but with a more polite and professional individual. The results have been the same, he attempted to pass me off to his supervisor but the supervisor was in the meeting. To me it 's very clear what they 're doing. They intentionally wrote down the account number wrong and want to collect an additional few hundred dollars. It 's probably a way they pay their employees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
A chargeback was issued for an unauthorized credit card charge, and chase did not help me resolve the case. I have since refused to remit payment for this charge on the grounds that it was not authorized, and I asked chase to cease contacting me unless they were going to continue the investigation of my claim. 

Since I requested a cease of communication, I have been called XXXX this week and asked frivolous questions, while chase has had no intention of reopening my case. Chase should not be allowed to continually harass me for a debt that I do not legally owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have paid off 10 of the 11 loans I co-signed but Njhesaa wont notify the 3 credit bureaus as accounts paid. I contacted them by letter but they wont respond because the accounts were in collections. I sent the paid letters to the 3 credit bureaus, and when they contact Njhesaa to confirm accounts are paid, Njhesaa just keeps responding the accounts are in collections.all I want them to do is confirm accounts are paid and notify credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax and XXXX are reporting my Home Equity Line of Credit debt / balance as " Revolving Debt. '' However, they are not reporting my HELOC credit limit as part of " Revolving Credit. '' As a result, my credit report from these agencies shows Revolving Credit Usage exceeding 100 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
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:
I recently obtained a copy of my credit report and noticed many accounts that I had no knowledge of.

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 2020-09-28
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO
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:
My VA home mortgage with PennyMac was placed in forbearance under Covid-19 relief back in XXXX. The forbearance was for 3 months, so I began paying the mortgage at the beginning of XXXX. At that point, PennyMac had informed me of a loan modification, which would require 3 months of trial mortgage payments. After making two of the 3 trial payments, I started looking to refinance another mortgage. However, on XX/XX/XXXX, my credit monitoring highlighted that PennyMac reported my account in default even though I was paying according to the trial. This has caused me to be unable to move forward with refinancing my existing mortgage to a lower rate. The undue stress caused by this process has yet to be resolved, as the credit reporting agencies still show my PennyMac account as being overdue/late and hence the impact to my credit score is significantly negative. 
I need this issue resolved quickly, as rates may go up by as much as .5 pt in the next week or so.

Company response to consumer: Closed with monetary relief