BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-08
Company: EQUIFAX, INC.
State: NC
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/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give 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 removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon EQUIFAX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681. I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly removed and blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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: Winklevoss Exchange LLC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
{$500.00} locked by Gemini.com ; Account Status in 'Pending Verification ' status forever and Gemini not allowing to Close account and refund money back ; Gemini not responding to emails ; phone call is also not allowed, just plays a message 'please send email '. 

Please help. 

Account opened and Money transfer date XX/XX/2021 ( money into Gemini ) Emails below : " '' '' '' '' '' '' '' On Mon, XX/XX/2021 at XXXX XXXX  XXXX wrote : Please complete 'verification ' of my account so I can withdraw money and further close the account. Currently, I tried following the 'answer ' from your FAQ but it DOESN'T work. It says 'pending verification '. 

You have lost 1 customer for LIFE. 

Much thanks. 



On Thu, XX/XX/2021 at XXXX XXXX  XXXX wrote XXXX Please complete 'verification ' of my account so I can withdraw money and further close the account. Currently, I tried following the 'answer ' from your FAQ but it DOESN'T work. It says 'pending verification '. 

You have lost 1 customer for LIFE. 

Much thanks. 



On Thu, XX/XX/2021 at XXXX XXXX Gemini <support@gemini.com> wrote XXXX # # - Please type your reply above this line - # # Hi there, Thanks for reaching out and apologies for the delay in response. 

The recent surge in interest in cryptocurrency has resulted in a backlog of support requests to our team. This has impacted our verification and support queries, which we are working diligently to resolve as quickly and effectively as possible. 

In an effort to help self service your inquiry, we have been actively updating our Help Center ( https : //support.gemini.com/hc/en-us ) with answers to common questions about our platform and services. 

However, if your support case has not been resolved and you still require assistance, please follow up to this automated email by replying directly to this email and an expert will be back to you as soon as possible. 

Once again, thank you for your patience and understanding. 

Onward and Upward, Gemini Customer Support On XX/XX/XXXX, XXXX XXXX, XXXX wrote : 1. Why can't I buy XXXX with my {$500.00} balance? Says, 'limit reached ' 2. Why can't I deposit more money into my account? Says, 'limit reached ' 3. Why don't I receive SMS for 2F auth?

4. What is pending with account verification? Why is it taking so long? 

If you can't resolve these ( been stuck for half a month ), please refund back my deposit and cancel my account? Very inferior customer experience, so far. 

Please escalate, expedite and pay attention. 

Much thanks. 


" " '' '' '' '' '' '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
The next day, on XX/XX/17 I go to the XXXX XXXX branch and talk with XXXX XXXX. I showed her my documents and explained my case. She agrees she sees no foul play on my part and contacts the Fraud department. After some more accusatory questions and almost 2 hours later they ask me where were you on XX/XX/XXXX? I explain Im a XXXX XXXX and I was in XXXX Texas. They stated that on that day the check was cashed and stamped on the back by XXXX XXXX. I call my mom while Im in the bank to see if anyone was in her apartment or how could this have happened since I left the check with her. After I told her this she said she thought she may have accidentally placed it in the XXXX envelope when she was trying to pay her {$9.00} bill. So I said to Ms XXXX how is that my issue or BOAs issue? I did everything correctly because the check was made out to me & my signature was on the back so why would they come 11 days after the deposit was completed and extract money from my account. Ive been a patron for over twenty years and they didnt have the decency or courtesy to extend so much as a phone call, text or email to alert me that they thought there was an issue but just took the liberty of taking my money out of my account!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: Synovus Bank
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX refuses to add positive payment information regarding my account. They claim that first progress card asked them to delete this information. XXXX XXXX claims that XXXX blocks the positive information to report on my file. My credit score is suffering because my on time payment history is not reporting. I have sent numerous letters to XXXX and XXXX XXXX to have this resolved and both companies complain and state that it is the fault of the other company without resolution to the matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Bull City Financial Solutions, Inc
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've gotten the fraudulent accounts removed from XXXX and XXXX. But Bull City Financial Solutions in XXXX, NC keeps reporting the fraudulent utility account from XXXX XXXX on XXXX for the amount of {$160.00}. I've made disputes to the company to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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. 

XXXX5 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We are paying our mortgage on the last day of the month due to income impacts of Covid. 

I went through Carrington 's payment system before XXXX the same way that I do every month and submitted my payment. I have never had an issue and always get an email confirmation the next day. 

On XX/XX/XXXX, I received an automated phone call that I hadn't paid the bill. I called immediately and talked to them. They didn't show a record of the payment. I immediately submitted the payment again, and confirmed that the associate received it. 

I have proof that I was on the payment pages ( XXXX timestamps my activity ) and proof that the funds were available, but Carrington refused to even take it. 

They are reporting me late on my credit. I haven't had a late on a credit in 15 years. 

They had some sort of issue with their system and messed up my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: Rocket Mortgage, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2018 I applied for a conventional mortgage loan with Quicken Loans. After discussing a few mortgage options with one of their Mortgage Bankers, I plainly stated I wanted a loan estimate on a 30 year conventional loan. I've now requested the loan estimate 3 times in writing and each time the Mortgage Banker has replied with a request to talk over the phone. His written reply to my third request is : " Yes I know what the loan estimate is. I have a big discount in your loan and to send the loan estimate we have to fully approve the discount. In order for my director to approve that, we need to know that you guys are willing to move forward. '' This process seems backwards to me and somewhat predatory. Why would I commit to a mortgage without first reviewing all the details of that mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX, I made a complaint towards Portfolio Recovery Associates LLC on the issue false statement or representation. On XXXX  My debt total was {$3200.00}. I spoke with a representative who stated they can bring the payment down to {$2400.00}. I replied I could not pay that amount but, I could pay {$1800.00} right now to close out the account. Portfolio Recovery came to a decision and agreed on the {$1800.00}. I provided my debit card information and the representative began reading the disclaimer ; however he stopped and put me on hold for about 25 minutes. After the {$1800.00} was taken out of my account, he stated that the Assistant Vice President declined my offer. At this point I was provided false information. I called Portfolio Recovery back and another representative told me I had a balance of {$2800.00}. I was given different amounts from Portfolio Recovery. 

On XX/XX/, arrangements were made to settle my account for {$2400.00} making the following payments : Payment of {$900.00} due by XXXX, Payment of XXXX due by XXXX and Payment of XXXX due by XXXX My debit card information was provided again to make automatic payments. 

I received a signed Request for Satisfaction/Certificate of Service letter from Portfolio Recovery Associates LLC that requested the courts to mark the case as paid and satisfied, and dismiss any and all post judgments actions, etc. This letter let me know that my debt for Portfolio Recovery Associates LLC. is Satisfied. However, I get a notification about my credit that my debt with Portfolio Recovery increased to {$5000.00}. Portfolio Recovery took that {$1800.00} from XX/XX/ and applied it to {$3200.00}. I did not receive a written notification pertaining to change. Portfolio Recovery is still attempting to collect debt I no longer owe by calling me repeatedly. 

An agreement was made and arrangements were made to settle the account for {$2400.00} by making 3 payments that were taken out of my account automatically after providing my debit card information. 

I have attached supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am submitting this complaint because I am being extremely affected by JPMCB AUTO. They are being completely unfair and I dont know how to get ahold on them but through this portal. 
I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 
First, I called the company many times was frustrating because Chase 's representatives kept me on hold, they didn't process the postponement in XXXX. 
After that, I tried many times to contact a Chase representative but I never got help from them, I didn't get any late payment notification. 
In XXXX, the website did not allow me access to do a postponement. 
My family was physically and monetarily affected by XXXX. I lived one of the worst moments of my life, I didn't want to lose any member of my family. 
We spent a lot of money due to that difficult situation, I think JPMORGAN CHASE representatives weren't ready to listen to me or take any action to help me. I will forward this complaint to California Attorney Generals office and Senator XXXX XXXX office, for violation of the CARES ACT. 
I hope top get a fair solution to this issue. ll be filing a small claims suit in XXXX XXXX XXXX next and subpoenaing all of XXXX records, if they dont remove the late remarks or the entire account 's tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: EQUIFAX, 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:
Previously, I made an investigation about this account with incorrect information and after checking your responses, I recognized that the same account is still incorrect, with a confirmed status. Please correct the account listed below : XXXX XXXX XXXX Balance : {$2600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22
Company: The Outsource Group, Inc
State: SC
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:
On XX/XX/2021 I contacted Medicredit to see if they would offer me a settlement for the {$250.00} balance that's showing on my credit report. They agreed to a settlement of {$170.00} which was paid the same day with a representative from Medicredit. 

The representative told me that my credit file would be updated to reflect the paid amount. I asked her how long does it take them to update with the credit bureaus and she then stated that unfortunately they would not be able to update my account because they are showing another balance owed for approximately {$1800.00}. 

I explained to the representative that there is nothing showing on my credit report reflecting that amount. The rep then stated to me that it does not matter if its not reflecting on my credit report all that maters is that it's reflecting in their system. I explained to her that I'm not going to pay for something that I don't owe. 

To this day nothing has been updated to my credit report, as a matter of fact they reported on XX/XX/2021 that I still owe the {$250.00}. 

I've called a few times to ask them to update my credit file and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I opened a credit card with First National Bank of Omaha, which is exclusively affiliated with XXXX to offer XXXX reward travel. This Credit card charges {$99.00} annual membership fee. During the year XXXX - XXXX, on several prolonged occasions, XXXX has stopped providing services between XXXX XXXX where I reside and the rest of the country. As a result of no service for many months I have been unable to utilize my rewards to book tickets for XXXX services as I had previously planned and for the days I had planned for. I requested First National Bank of Omaha, on several occasions, to refund the membership fee and to close my credit account as I am unable to utilize award program as advertised. First National Bank of Omaha has refused to refund the membership fee but closed the account.

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 2022-09-14
Company: EQUIFAX, INC.
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Resurgent Capital Services L.P.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX hasn't done any investigation and has hurt my credit file keeping me from purchasing a home, because if a low XXXX XXXX.

Company response to consumer: Closed with explanation