BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-18
Company: BSI Financial Holdings, Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was given a forebearance during the pandemic, the forebarance ended in XX/XX/2022. I was not offered a payment plan for the missed payment nor was I informed of when the forebarance would end. In XX/XX/2022, I received an acceleration letter requiring the amount in arrears to be paid. This was the same time that the notice to the end of forebearance was given. No other amount would be accepted. I have been unable to reach the single point of contact for the mortgage company. I have learned that the home is now up for auction in 3 weeks. BSI Financial Services. Inc. is the servicer of my loan. I was under the impression that the loan would be modified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: OR
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:
I have hard inquires I did not authorize one onXX/XX/XXXX from " on site manager '' & two from " citizens bank '' onXX/XX/XXXX & XX/XX/XXXX, these two from citizens bank were supposedly for an XXXX, I was told by XXXX there would no hard inquiries & did not authorize them to do any.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-21
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:
I was reaching out again that this is my FOURTH WRITTEN REQUEST, despite my three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. Please see the Attachment.

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 2021-03-20
Company: Winklevoss Exchange LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
On XX/XX/2021, I initiated a wire transfer of {$30000.00} from my Gemini account to my externally linked XXXX XXXX account. It was noted by an automated message from Gemini that my funds would clear within one business day. Up to this date, XX/XX/2021, the transaction still has not cleared with my bank account nor has this been bounced back to my Gemini account. The money simply is shown as withdrawn.

I have attempted to reach Gemini multiple times on the following dates, but still have not heard back from an actual representative from the company. I have only received automated responses with little to no details. 

XXXX XXXX ( request through Customer Service website ) XXXX XXXX ( email to XXXX XXXX XXXX XXXX ( request through Customer Service website XXXX XXXX XXXX ( XXXX Gemini-support and Gemini XXXX XXXX XXXX XXXX XXXX email to XXXX ) -XXXX XXXX ( email to XXXX ) -XXXX XXXX ( request through Customer Service website ) -XXXX XXXXXXXX ( XXXX XXXX XXXX ) -XXXX XXXXXXXX ( email to XXXX ) I have reached out to my bank, XXXX XXXX multiple times and they have noted that they can not review the transaction on their end since nothing ever came through. I have yet to receive information from Gemini.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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, XXXX XXXX XXXX , am that I am, the consumer in fact pursuant to 12 CFR 1006.2 ( e ), 12 CFR 1016.3 ( e ) ( 1 ) and 16 CFR 433.1 ( b ) //// CAPITAL ONE willfully violating the FCRA. Without my direct written consent CAPITAL ONE have used my social security number for their own benefits, without having any authority for such use, which is an unauthorized use under 12 CFR 1026.12 ( b ) ( 1 ) and identity theft pursuant to 12 CFR 1022.3 ( h ) ./// I did not authorize, nor aware the reporting of that account on my behalf./// CAPITAL ONE based on false and misleading representation with undisclosed material facts about the original creditor, which constitutes an unfair and deceptive practice pursuant to 12 CFR 1006.22 ( b ) a misleading collection to ruin my consumer credit report, which is an action that can not legally be taken pursuant to 12 CFR 1006.18 ( c ) ( 1 ) and 15 USC 1692e ( 5 ) .///// I'm demanding that capital one provide the name and address of the original creditor pursuant to 12 CFR 1006.38 ( c ). 
Im being denied credit CAPITAL ONE is harming my reputation, by reporting negative items on my consumer credit report with allege late payments, which violates 12 CFR 1006.14 ( c ) .///// Pursuant to 15 USC 1681 ( a ) ( 4 ) CAPITAL ONE need to exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy. My consumer right to privacy has been breached in multiple counts, for multiple accounts by CAPITAL ONE./// Pursuant to 15 USC 1681b ( a ) ( 2 ) CAPITAL ONE may not furnish negative information to my consumer report without with my written instruction. No consent is identity theft pursuant to 12 CFR 1022.3 ( h ) //// CAPITAL ONE NEED TO REMOVE AND DELETE THESE NEGATIVE REPORT IMMEDIATELY from my consumer credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a letter to the XXXX Credit Bureaus last XX/XX/2023 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXXXXXX Balance : {$240000.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX Balance : {$240000.00} XXXX XXXX Balance : {$240000.00}.

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 2023-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
It has been over 5 months since my account has been closed bank has not released my remaining funds.. I have been calling every week for 5 months and every time they tell me that my funds will be sent out within a week. They inform me that my account is closed and should be sent out a check but after numerous attempts to resolve issue I have not received my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days and I still haven't received any responses. 

Initial dispute XX/XX/2021

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 2019-06-13
Company: M&T BANK CORPORATION
State: NY
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 came into a XXXX XXXX car dealership on XX/XX/2019 with the intention to buy a XXXX XXXX that day, and had a pre-approval from XXXX  XXXX. I was introduced to the sales rep XXXX XXXX and I immediately explained to him what I wanted, that I had also been pre-approved by XXXX for a 3.99 % rate, and that I did not want to put one penny down. He said sure, they could roll everything in, and showed me a car that met my needs and had me fill out a credit application on their computer. I again, let XXXX know I had a pre-approval from XXXX. He assured me this was the process. Needless to say I met with the finance guy next and he tried to get me to sign documents that said i was paying an 8 % interest rate and it was from another bank. I let him know of this error and he acted surprised then finally came back with 3.9 % rate from XXXX XXXX. After coming home with the car I have found my credit was pulled by over 5 banks ( XXXX XXXX , XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , M & T Bank ) without my permission. These hard inquiries cost me a credit line already and have lowered my credit score. I am also very upset they have shared my credit history and personal information with other banks without my permission. I have tried in good faith to work with the dealership to have them removed but they are combative and show zero empathy for my situation. I have attached one of the emails I have sent, the credit application explanation I saw when authorizing the credit pull, and my pre-approval letter which I had showed the sales rep. 

My personal information including credit history, social security number, and income was shared without my permission. This needs to be fixed asap.

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 2019-06-13
Company: AFNI INC.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted all 3 credit bureaus about the inaccuracy on my credit report months ago. As of today, the following information remains on my report. I have a statement on my credit report about several family members with the same or similar name in spelling. The accounts and amounts are listed below. : Afni XXXX XXXX XXXX XXXX XXXX, Il XXXX Opened XX/XX/19 XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, IL XXXX Please help me these accounts do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: VALLEY NATIONAL BANCORP
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Valley Bank of XXXX issued a cashier 's check to me personally, in my name, in XXXX. The cashier 's check was lost before being cashed when I moved out of the State of XXXX in XXXX I contracted Valley Bank in XXXX  and XXXX multiple times, asking the bank to instruct me how to cancel the lost, uncashed, cashier 's check in the amount of {$30000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  No one responded even though several banking representatives at the XXXX XXXX, XXXX and XXXX XXXX branches repeatedly promised they would research the issue and work to resolve it. Three weeks ago, in XXXX XXXX, I received a telephone call from an employee of Valley Bank, stating that if I did not cash the cashier 's check promptly, that Valley Bank was going to send the {$30000.00} to the State of XXXX  as unclaimed funds. I told the bank employee that I had been trying for well over a year to have the bank instructed on how to replace the expired and lost cashier 's check. This employees stated that he would research the solution to the issue and instruct me how to proceed to have the old, expired cashier 's check replaced. He never followed up on this promise. I spoke last week to XXXX at Valley Bank and the same promise with no call back or resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: NC
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 purchased my new vehicle in XX/XX/XXXX. My first payment was due XX/XX/XXXX and on the XXXX of every month after that. I am a contract worker who is paid in arrears at the end of every month. Because of that, I made my XX/XX/XXXX payment on XX/XX/XXXX. I paid off the entire balance of the loan on XX/XX/XXXX. After my credit report was updated with the loan payoff, I received notice that my account was reported for a 30-day late payment. I called customer service and was told I didn't make my XXXX payment. I explained due to how I am paid, I made my XXXX payment on XX/XX/XXXX, which was not 30 days late - even if you counted actual days. I also explained that I pay other accounts in this manner without issue and had a 100 % on-time history with all my other accounts. He explained he couldn't help me and that I would need to write a letter and send accompanying documents to their Direct Credit Dispute department. This is unsatisfactory to me due to the fact that the company just paid out a large class action settlement to millions of customers in XXXX due to inaccurate reporting and taking an unreasonable amount of time ( sometimes years ) to correct inaccuracies. Without the ability to call or email the department directly, I will be unable to know if my dispute was received or if anyone is working on it. My credit history is too important and costly to just sit around and hope it gets resolved. I am hoping the CFPB can assist me in getting this resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Midland Credit abandoned this claim after collecting payments towards balance in 2019. After 2 years Midland demanded to start collecting payments again. My banking info never changed so I dont know why they stopped collecting automatic payments. They abandoned the debt by being inactive for the length of time they were not taking payments. Midland was not in communication during those 2 years. The amount that I owe is wrong and by abandoning the account Midland should remove i from appearing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Two Things ...

1. ) My credit card balance was decreased from {$1500.00} to {$950.00} AFTER I made several payments to pay down my balance. I had about {$700.00} worth of credit when CB ( Citizens Bank ) decreased my card balance due to my credit score dropping. My sentiment is that I felt it was unethical to reduce my balance after making payments that would certainly improve my credit rating and more. I hit a financial bump two years ago and now I am on track ; therefore, reducing my balance hurt my credit rating instead of improving it. I would like reconsideration of my original balance. I have no faith in knowing that if I paid this card off, the account would not be closed which would ultimately negatively impact my credit rating again.

2. ) I made an on-time payment on XXXX.20 ( Friday ) in the amount of {$100.00} but the payment is still showing as processing but I was charged a late fee. I had to log into my account to obtain this information. I called CB and was advised that the fee will be reversed because payments arent processed on the weekends. I advised that the cutoff time for Same-Day payments on the website says XXXX  EST. The agent said its XXXX and is on our Customer Agreement. Ive lost faith in CB considering that I thought they did things differently. Their practices are alarming at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: DISCOVER BANK
State: NY
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

4. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22
Company: Square Inc
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I used the app called Cash App ( owned by Square inc ) I opened it years ago and it fell to the wayside, but I had purchased digital currency. I recently was reminded about the account which is tied to my email still, I went to gain access to my account and while the email code to verify my identity was successful, my banking information was incorrect as I no longer banked with XXXX XXXX XXXX XXXX nor was my phone number correct because years had passed and I no longer had that phone number to get a pass code, I reached out to the cashapo support and since they don't have a phone support I had an email ticket and kept being round Robin to numerous support specialist who kept asking me the same thing over and over again and ultimately they wouldn't give me access to my old account even though I could verify other bits of PII that would verify who I am. This is highly frustrating and this company has a reputation today of being difficult but I feel that they have a way to verify who I am and let me access my old account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
OFFICE OF XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX FL XXXX ( XXXX ) XXXX XX/XX/XXXX Certify Mail : XXXX XXXX XXXX XXXX XXXX To Servicing Bank : SELECT PORFOLIO SERVICING XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX cc : Consumer Protection Bureau Ref. : Select Portfolio Servicing Acc # XXXX XXXX XXXX  Loan MIN # XXXX Property : XXXX XXXX XXXX XXXX, XXXX Fl XXXX XXXX REQUEST RELEASE ACCOUNT STATEMENT ( RESPA ) This is a " qualified written request '' under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ). 
I am writing because : 1. I has been requesting a complete copy of the Financial Statement and history payment of account # XXXX from XXXX to present. 
2. Separte statement of legal fees paid from XXXX to Present. 

Pursuant Section 6, The Real Estate Settlement Procedures Act ( RESPA ) Select Portfolio as the servicing bank handling this account, is required to disclose and release the above-referenced and inquired documents. 

Sincerely, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Fl XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation