BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-04
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XXXX of 2007, my name was listed second on a finance contract with XXXX to allow my former spouse to purchase her vehicle under the XXXX EMPLOYEE program. After numerous late payments by HER, the vehicle was sold for more than the balance with XXXX and SHE received the proceeds from XXXX.Again, I made none of the late payments, there was no " repossession '' from me, and I did not receive any of the money from the sale of the vehicle unlike my former wife. Despite my repeated requests to delete this account from my file, EXPERIAN refuses to do so.

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 2015-09-09
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I sent a written request to LoanCare via email on XXXX/XXXX/2015, requesting to have an appraisal so my PMI can be removed. I have yet to receive a response and its now XXXX/XXXX/2015. I called in XXXX different days and XXXX times requested to speak to a supervisor and the Customer Service Agent refused. I would like to have an appraisal done, due to home improvements. I know my loan to value is well under 80 %. I am wanting to go this route rather then refinancing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I signed up to get all XXXX free credit reports on http : //freecreditreport.com/ on XXXX/XXXX/2016. I also disputed information to all XXXX credit reporting agencies and those things were taken care off. XXXX of those steps required an Experian, XXXX and XXXX logins to be created. I noticed that they charged me {$21.00} on XXXX/XXXX/2016. I logged in into Experian.com to see the situation. Their opinion is that I signed up for Experian Credit Tracker. I cancelled it right away on XXXX/XXXX/2016. I never signed up for that service. I already have the same Experian Credit Tracker through Experian ProtectMyID. I talked to Experian customer service ( XXXX, id # XXXX ) on XXXX/XXXX/2016. They said that they would not refund {$21.00} money.

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 2016-01-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Called bank of america XXXX XXXX to fix my HELOC variable rate. was told by customer service that the rate was to become fixed at the end of the draw period in XXXX automatically. i explained that my paperwork said nothing about the rate being fixed at the end ot the draw period.. Called again the first week in XXXX XXXX to confirm that the rate was fixed as my paperwork did n't call for a rate fix at the end of the draw period.I was told that it was fixed. Called bank of america in mid XXXX XXXX about another issue and inquired again about the rate. i informed the representative that i was told it was fixed and the representative said it wasnt ... ..and they could see the other inquiries to fix the rate in XXXX and XXXX. Funny how this misinformation was given me at the time the federal reserve was meeting to raise the rates ... I feel that i was intentionally misled by bank of america. even though my rate was ultimately fixed in XXXX XXXX it will cost me more per month than it would have if they would have been truthful with me initially. I 'm sure im not the only customer that experienced this. Would like to know how much money was stolen from consumers by this little scam ... ..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX Account number XXXX XXXX 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 cna not furnish an account with 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 non-monetary relief
Consumer complaint received 2022-04-22
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Coinbase seems unable or unwilling to change my phone number making it impossible to access my account. 

On XX/XX/22 @ XXXX XXXX, I discovered that I could not access my Coinbase account because I had changed my phone number. At XXXX on the same day, I called Coinbase customer support. After over an hour with XXXX on the line, nothing had changed. I still wasn't able to access my account and XXXX blamed " the system '' for his failure to correct the problem. He informed me that there was nothing I could do. So, In summary, can't access my coinbase account and there is nothing to be done about it so I guess I lose all of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was told if I make 3 month of a set payment I would be qualified for a modification loan. I had to find this out by just check the site NO ONE every call me. I got approved and the new payment stat  XXXX   XXXX  but the catch is they never told me anything till I found it on the email side of the loan they went from 20 years to 40 years if I new that 3 months ago I would not have agreed to that I can get a 15 year loan with  tad higher   interes ts still less that what they want. I FEEL this is a preditary loan I als have has 3 people taking pics from the road and I feel this violated my privacy what if my wife was changing or my minor child changing and there cameras got pic that vilol ates my wife privacy also.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Navient, The WORST lending company I have ever dealt with. I am still in school and every single semester they " ca n't find me '' in the clearing house for people attending college. Therefore I get constant and non stop harassing phone calls! 12 a day to be specific. I then have to call and go through a series of people to explain that my loan should be deferred because I am still attending school full time. EACH semester they require me to upload a new deferment form from my school. Because of this I have also been wrongfully charged of late fees and " late '' payment notices that are affecting my credit score. They also go after my Co-signers with harassing phone calls even when I am in the process of communicating with them that they are in the wrong ... I wish I had never signed a loan with this company, biggest mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I want the credit bureau to verify proof documentation to me ( consumer ) via mail of all delinquent items according to FCRA page 35 statue 609-disclosures to consumers [ 15 U.S.C. statue 1681g ] information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ statue 1681h ], clearly and accurately disclose to the consumer. If the XXXX credit bureau 's can not provide proof documents of said law FCRA requirements, I am demanding that any delinquent items be deleted from credit file.

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: EQUIFAX, INC.
State: TN
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 sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past XXXX  days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of XXXX  times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I sent two dispute letters to have these accounts validated because they were reporting incorrect information and both times the agency stated that they verified the information and I know for a fact that these items should not still be on my credit report. The credit bureau is not validating the information as stated. The company is changing dates to more recent dates and stating that I made payments when I have had no contact with them for years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I was informed that navient has been overcharging people on their account and i feel as though i am getting overcharge and i am i super debt with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I submitted a full package to my lender in hopes for assistance in keeping my home. I was informed that there was not enough time to review my file as they required 37 days. The documents were submitted on XXXX XXXX, 2016 and my foreclosure sale is on XXXX XXXX, 2016. Accordingly to homeowner bill of rights I have the right and options to avoid foreclosure yet I feel it is not being provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Experian Information Solutions Inc.
State: NY
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:
The credit reporting agency has not provided me with proof that the inaccurate accounts on my credit report are mine.

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 2016-06-24
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXX XXXX the collection company on this case has re-aged my account with XXXX. This account was listed with another collection company and was found to be inaccurate and was removed from my credit report. Now this new collection company re-aged this account and is reporting inaccurate information. Equifax is reporting this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Lexis Nexis shared information about me with XXXX  AFTER a security freeze was put on my file. I am an identity theft victim. Both Lexis Nexis and XXXX  report that I had a chapter XXXX bankruptcy discharged in XXXX. I deny that I had a bankruptcy discharge. Lexis Nexis agreed to stop reporting the alleged bankruptcy after I disputed it with them in XXXX of XXXX. I placed a security freeze on my Lexis Nexis report and Lexis Nexis confirmed placing the freeze on XX/XX/XXXX. I've attached a copy of the report to this complaint. I filed an XXXX  dispute to have the Bankruptcy removed. In correspondence dated XX/XX/XXXX from XXXX, XXXX  states that the Bankruptcy will remain on my credit report because Lexis Nexis confirmed that the Bankruptcy listing is accurate. Clearly, Lexis Nexis has released information about me to XXXX  AFTER it confirmed the security freeze had been put on my credit bureaus. 


I also attached a letter from US Bankruptcy Court which states that the court does not report information to the credit bureaus. Lexis Nexis could not have obtained info on the alleged bankruptcy from US Bankruptcy Court because the court does not report info to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I originally disputed with Experian on XXXX/XXXX/15, I received a response dated XXXX/XXXX/15 stating that my dispute was " suspicious '' and was not sent by me. I 'm not sure how they verified this information when I even included my drive'r 's license, a current utility bill, my signature, social security number on the letter. What more do they need from me? You will see all of this in the documents that I am attaching with my complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-05
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I am submitting another complaint about Chase bank in regards to customer complaints all the way in XXXX. first and far most, I am not a fan of knowing that when I have to be calling about a refund of an unfair and wrongful charge to my account, I should n't have to call or be connected to anyone in XXXX when the original problem is here, in Arizona. On XXXX XXXX, I was wrongfully charged XXXX XXXX from a vendor called XXXX XXXX, who were not allowed to have access to my account. Second, it was a false charge which was also confirmed by my healthplan via phone with the customer complaint in XXXX, and as of now, though the vendor, only submitted a refund of {$130.00}, the bank failed to return my money into my account right now. I am still not seeing the money adding up to my account as it should. this has got to stop and I want to know since when did I ever agree to send my private information overseas? 
I do n't like anyone from any country to have my personal information and I wo n't accept it now. something needs to be done immediately including refunding my money, at once, as well as adding additional customer service here, in the states, where many of these discretions continue to occur. I am not happy with all the hardship that I have had to endure with this bank and I want and expect answers right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX my husband and I bought our house. Our loan was through XXXX XXXX XXXX and our escrow payment was set to include enough for our homeowner 's insurance. XXXX XXXX XXXX paid those homeowner 's insurance bills for XXXX and XXXX. In XXXX XXXX our loan was sold to Carrington Mortgage, who also raised our payments. Our escrow was supposed to carry over and continue to accrue enough for homeowner 's insurance. I recently was in my account online and saw that it said we had no escrow for our homeowner 's insurance. Come to find out that, for whatever reason, this was not carried over like it should have been. Now I am faced with an almost XXXX dollar homeowner 's insurance bill that is due in a month that I was obviously unprepared for because I thought that my mortgage company would continue to put aside money in escrow for it.

Company response to consumer: Closed
Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
State: IL
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 did not authorize these companies to run my credit profile. I would like for a thorough investigation to be open.

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 2016-04-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
equifax is reporting incorrect information. it is preventing me from obtaining a student loan for my child. XXXX and XXXX are reporting correctly and i have letters from the companies that everything is paid. i have no delinquencies. equifax is refusing to send me a copy of my credit report. so i can dispute this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Chime Financial Inc
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XXXX To date Chime XXXX XXXX and XXXX and XXXX refuse to update my phone number by following their policy. 

I have sent in my photo of ID last 4 social, phone number, now they want another selfie and my handwriting with email written down which is already on file. 

I have emailed an FBI agent as well. 


Chime is Phishing information illegally. I am to be compensated for constant fraudulent behavior on Chime. 

I emailed XXXX XXXX XXXX XXXX about this as well. 

Chime Keeps asking for same info over and over. I have several screenshots of this requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Immediately after purchasing my XXXX home in XXXX, my mortgage loan was sold to LoanCare in VA. Since then they have put me through the ringer for trying to lower my monthly payment, knowing full well they were overcharging me for a small home in FL. I spoke to no less than XXXX people during the month of XXXX ( beginning on the XXXX and ending on the XXXX ) to do just that attempting to do the right thing in following all of these people 's directions. They were extremely inconsistent in that each person I spoke with had a different take on why I could n't achieve the desired result. I first paid {$1700.00} for the month of XXXX, then {$1500.00} for the month of XXXX, then finally {$1300.00} for XXXX and, which they say, will remain the payment going forward. They insist part of the payment go towards homeowner 's insurance which I already paid in full for the year XXXX XXXX XXXX XXXX ). They will NOT refund me that payment and continue to extract that from me. In addition, I also prefer to pay my own taxes, but they refuse to delete the escrow account ( claiming a ridiculous fraction of an amount between loan and equity ratio ). I can, and have, paid these XXXX items on my OWN and prefer to do so.

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 2021-01-19
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
On XX/XX/2020, I sent Portfolio Recovery Associates a debt validation letter to address inaccuracies and errors that they illegally placed on my credit report. They reported 3 accounts with balances of {$2100.00}, {$1400.00}, and {$2400.00}. In my letter, I requested that the company send the following : 1. What the money you say I owe is for : 2. Explain and show me how you calculated what you say I owe : 3. Provide me with copies of any papers that show I agreed to pay what you say I owe : 4. Provide a verification or copy of any judgment if applicable : 5. Identify the original creditor : 6. Prove the Statute of Limitations has not expired on this account : 7. Show me the you are licensed to collect in my state : 8. Provide me with your license numbers and Registered Agent or Agent of Service The company never validated the debt. It only sent me copies of billing statements, and the Federal Trade Commission clearly states that billing statements are NOT a proof of debt.

Company response to consumer: Closed with explanation