BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-01
Company: LoanCare, LLC
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I contacted LoanCare and spoke with XXXX to determine why my payment was reporting as late. It was determined that the loan payment had been increased by {$120.00}, which resulted in the payment of {$1100.00} being applied to principle, rather than as a monthly payment. I made the additional payment of {$120.00} and was told the payment of {$1100.00} would be backed off and properly applied. On XX/XX/XXXX, I spoke with XXXX to check the status of the correction, and was advised that it would be 3-4 more days for the payment to be corrected. I called back on XX/XX/XXXX and spoke with XXXX, who escalated the payment correction for a 3rd time, and to call back on Wednesday to make sure the payment was corrected. I called on XX/XX/XXXX, and spoke with XXXX, who then transferred me to a supervisor named XXXX. XXXX promised me that the issue would be rectified by Friday ( XX/XX/XXXX ) and promised a call back. On Monday, I had still not heard from XXXX, so I called back on XX/XX/XXXX and was forced to request a callback, as XXXX was not available, and there were no other supervisors to speak with. I was called back by XXXX ( agent ID : XXXX/ direct phone : XXXX ). XXXX advised at that time that he was unsure why XXXX would have provided me with a timeline of XX/XX/XXXX for issue to be rectified, as it clearly stated the issue would be rectified on XX/XX/XXXX. He guaranteed me that the issue would be rectified by XX/XX/XXXX, and also guaranteed a call back. I called XXXX directly on XX/XX/XXXX, as the issue had not yet been taken care of and I did not hear from him. I left a voicemail and never heard back. I called back on XXXX, as my loan was now reporting as 30 days past due, and spoke with a supervisor named XXXX. XXXX stated it would be another 3 business days for the loan to be rectified, and that the loan had already been reported to the credit bureaus as derogatory. After pleading to have the issue rectified, XXXX stated she was transferring me to another member of management, where I waited on hold for over an hour and eventually had to hang up.

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 2020-12-28
Company: Winklevoss Exchange LLC
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I capitalized ( Authorized ) my Gemini Trading Account ( https : //www.gemini.com/ ) on XXXX in the amount of XXXX and then added XXXX ( XXXX ), XXXX ( XXXX ) and XXXX ( XXXX ) for a total of XXXX from my XXXX  XXXX XXXX Checking Account XXXX 
They further took ( Unauthorized ) XXXX ( XXXX ), XXXX ( XXXX, XXXX ( XXXX ) from my XXXX XXXX XXXX Checking Account. 
All Transfers ( Funds ) went to the Following Gemini Account ( GEMINI TRUST CO ACH TXFER ). 
The second series of ( Unauthorized ) transfers were NOT credited to my Gemini Trading Account. I called their number and asked for an explanation ( Call Customer Support at XXXX ( XXXX ) XXXX ( toll-free in the USA ) ; ( https : //support.gemini.com/hc/en-us/articles/204732835-Contact-us ). 
They declined to accept responsibility for the additional transactions and Closed ( Unauthorized ) my Gemini Trading Account which had XXXX in it as well. They had a total of XXXX of my money and refused to refund it or even speak to me about it. I have tried on several occasions to access my account, communicate with Gemini directly and they have refused to speak to me about my missing money, the closed account ( Unauthorized ) or refunding the XXXX in total that they have taken illegally from me. 

XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Direct # XXXX Office # XXXX ( Victim ) XXXX XXXX Email XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX ( Thief ) Gemini Trust Company , LLC XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022

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 2023-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I have on numerous occasions attempted to rectify a few discrepancies within my consumer report. Under the law, it is the job of the consumer reporting agency to make sure that the information that they are reporting is accurate. As the consumer I have notified the agency to remove the following items : XXXX. XXXX XXXX ( XXXX ) XXXX. XXXX XXXX XXXX  ( XXXX ), ( XXXX ) XXXX. XXXX XXXXXXXX ( XXXX ) XXXX. XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) To date, these unverifiable accounts remain on my consumer report. 
The consumer reporting agency should be able to see that these items have been previously disputed without a proper investigation/ or verification method. I am requesting that the consumer reporting agency reinvestigate these accounts by manual verification. If any item is to come back as verified please provide this information pursuant to 15 US Code 1681 ( i ) ( 6 ) ( b ) ( iii ) : 1. A description of the procedure 2. Name of the business 3. Business address 4. Business phone number 5. Name of the agent 6. Most importantly, if my personal information such as my date of birth, ssn, and/or address was provided to you without my consent for verification purposes.

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 2021-11-11
Company: ACIMA CREDIT, LLC
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on ACIMA CREDIT FKA XXXX XXXX Balance {$1600.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Chime Financial Inc
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This company has not explained the hold they are placing on my transactions. I do not have a 2-step validation and yet they want me to respond with a " yes or no '' to purchases. My sources state that CHIME has been money laundering stolen checks and their Modus of Operandi is to put a hold on legitimate purchases so they can use your message of " yes '' to validate illegal transactions. I have not cashed a check over XXXX dollars, with Chime. The check was a refund for a month of service with XXXX XXXX. XXXX XXXX carried on business in the same manner. I did not have 2-step validation with them either, however, they required a recording of my voice to conduct transactions. When I refused to give it to them, XXXX XXXX started sending text messages to approve purchases and that is when I discovered the fake accounts in my name that were doing illegitimate business and sending the statements to an alternate email address. CHIME, mimics XXXX XXXX 's fraud, and when I first filed this complaint all of the 2-step verification stopped immediately. Now that CHIME thinks the case is closed they are repeating the same fraudeulent activity. 
I do not want 2-step validation with this bank, nor do I want text messages from them. 
I am reporting CHIME to FDIC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: ENCORE CAPITAL GROUP INC.
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-18
Company: SUNTRUST BANKS, INC.
State: NC
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
Since XXXX Ihave been trying to find out Who set up certificates of deposits in my name and joint with other persons When I went into suntrust bank on numerous occasions I was told my monies had a hold on them I found out that there certificate of deposits set up by some person but they were locked in and I couldn't access my monies. As per branch manager at XXXX XXXX in XXXX XXXX .va I have called and sent letters for them to track these monies I have over a XXXX dollars in settlement monies. Thru XXXX XXXX and XXXX XXXX  stolen lost and unaccounted for. I have had identity since XXXX & XXXX reported to all credit agencies and registered with the FTC. And confirmed in XX/XX/XXXX by the office of the comptroller for currencies USA Over 20 fraudulent credit requests from XXXX at XXXX XXXX XXXX XXXX XXXX claims fraud on a hard XXXX credit request in XXXX and a XXXX XXXX claim in XXXX with my name fraudulently involved by employee XXXX at XXXX XXXX in new York .the fraud prof goes on and on Also in approx XX/XX/XXXX there were settlement checks issued. To me under XXXX XXXX XXXX from their suntrust bank in XXXX va from XXXX XXXX XXXX XXXX XXXX in XXXX va for {$58000.00} approx And partial payment of approx {$3300.00} approx And {$76000.00} approx As per emails from XXXX XXXXat XXXX and XXXX the one was issued in XXXX and the others no record if issuing from suntrust with no record I have never cashed or deposited any of the checks Suntrust refuses to locate the settlement checks and certificates of deposits as per their XX/XX/XXXX & XXXX letters

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 2020-12-28
Company: TOYOTA MOTOR CREDIT CORPORATION
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I am an XXXX American female. I purchased a Lexus vehicle from XXXX Lexus in XXXX Md in XX/XX/2019 through Toyota Motor Credit Corp. I recently received a refund check for some unknown reason. I contacted TMCC who explained that they randomly reviewed my interest rate and decided I was eligible for a lower interest rate. After the call with TMCC, I found out that they recently settled a large class action lawsuit in which they were sued by XXXX groups for being charged higher interest rates because they were XXXX XXXX groups. 
File No. XXXX XXXX TMCC is still in violation of Consumer laws by discriminating against me by charging me a higher interest because I am XXXX American.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: U.S. BANCORP
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2019 I initiated a transfer of {$1500.00} from one bank account ( Bank 1- U.S. Bank ) to another ( Bank 2- its XXXX XXXX ). I received an email from Bank 2 confirming the transfer. 



On XX/XX/2019, I received an email that Bank 2 had closed my account. I called and asked their customer service why it was closed and I was told it was closed by a system error and that my attempted transfer would " bounce back '' to my Bank 1 account within two business days. 



Well, it didn't. 



Bank 1 's statement lists the {$1500.00} withdraw by Bank 2. Since my account with Bank 2 was closed before the transfer hit, it does not show any record of the {$1500.00}. 



I filed a claim with Bank 1, and they told me there is nothing they can do because I authorized the transfer. I filed a claim with Bank 2, and they told me there was no error on their part. 


I transferred the money via XXXX, the in-app transfer service. I verified the account numbers, so I did not accidentally send this money to someone else 's account.I tried to contact XXXX and they told me that if I used XXXX in my bank 's mobile app ( which I did ) and need service, I have to contract my bank. 

I have all the documents acquired thus far.

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 2022-08-10
Company: EQUIFAX, INC.
State: SC
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: Investigation took more than 30 days

Complaint:
XXXX XX/XX/2017 / account # - ( XXXX ) / amount {$2100.00} I did not open this account. I sent a letter to the debt collecting agency over 30 days ago, no response. I also reported it on the XXXX XXXX and instead of verifying the requested information it was considered " verified ''. A copy of my signature on an original contract was not furnished at the time of this " verification '' process. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 


Please note, since I have already sent this letter over 30 days ago with no response my rights have already been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I will attach a copy of the snippet from my credit report. Its appears that XXXX did not correctly investigate for Diversified Adjustment XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. 


Status shows '' Not reported '' Recent Balance : " Not reported ' first reported : " date not reported '' date of status : " date not reported " This item should have been deleted after verification. Per XXXX no investigation was done. 
There is also remaining items disputed that should have been removed that have no status but are still currently reflected on XXXX 's credit report.

Hard inquiry XXXX XXXX XXXXXXXX, XXXXDont bank with or use XXXX XXXX XXXXXXXX. Never applied for any credit. Please remove. 

Names ; XXXX XXXX-never used or know by this name Address : XXXX XXXX XXXX XXXX Fl.- This is not a physcial address which means I never lived here,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Showing open accounts on credit file after unauthorized use of information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information

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 2020-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear CFPB, XXXX and TransUnion accused me of using a third party credit repair company when it was actually me. I feel completely violated and heavily stressed. Please help solve this problem. It's been over two months.

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 2023-04-19
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I was paying for services from a supposed to be landlord or realtor lady named XXXX. she charged me XXXX for an house package or places she offered for people with less than perfect credit. I was suppose to get the package on the day I purchased XX/XX/14, I was under the impression I would be approved next day, then she kept trying to get more money from me I said no thats wasnt the agreement, so I asked for a refund and she stopped replying shes using her business XXXX XXXX thats under her name XXXX, Ive sent screenshots and the screen names over yesterday to police And I also was referred from a female named XXXX XXXX who claims XXXX helped her but she scammed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: Experian Information Solutions Inc.
State: MS
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: Investigation took more than 30 days

Complaint:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY 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 2020-12-28
Company: EQUIFAX, INC.
State: MS
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: Investigation took more than 30 days

Complaint:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX FIN XXXX CAPITAL XXXX - XXXX XXXX XXXX  - XXXX CAPITAL XXXX - XXXX XXXX XXXX  - XXXX WFC - XXXX REF : XXXX CHAPTER 7 XXXX XXXX XXXXXXXX CT IL XXXX - XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-12-29
Company: Experian Information Solutions 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:
On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the XXXX XXXX data breach and may have gotten into the hands of the wrong person.

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