BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-04
Company: Block, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I received a {$70.00} deposit today XXXX XXXX XXXX  I made a couple of purchases and then was declined for a {$19.00} transaction when i should have had a {$50.00} available balance, I looked on the app and there was nothing justifying this, then for a brief moment there was a notification on my phone for XXXX {$35.00} charge I went back into the app and there was absolutely nothing reflecting this pending transaction, I went back in my records and show on XX/XX/ I did order some food for that amount and that must have been the billing company but I have not purchased anything from them since or have I had any transactions for that amount since that day so I spoke with support for my card Cash app and they said they made an error in XXXX for that transaction they debited my account then credited it back so I owed them that money but I never received notice of this, i didnt have a negative balance a d i have been depositing and using my account all this time and at no time did this appear as an amount i owe and why wait over XXXX to debit the funds from my account. This has caused so much stress I am on social security and that {$35.00} was my groceries for the week, if they had notified me at least I could have planned for this. They told me I would have to dispute this and would take 45 days for a response where I don't feel I should have to file a dispute, this wasn't my error it was there's and im not disputing i made the charge my issue is they never made me aware that they made an error and that they did not notify me of this I wasn't aware so the entire situation feels fraudulent. I attached a few screenprint, one shows my pending transactions for today and that transaction is no where showing on my account only the amount is missing but nothing to justify it and there's a screenprint of the transaction in question it shows it was completed and was deducted from my available balance on XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 290 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

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 2021-03-22
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to inform you of an account that is inaccurately reporting false information. The account in question are related to the creditor, American Express. I have contacted the credit bureaus ( XXXX, XXXX XXXX XXXX ) on numerous occasions along with contacting the creditor, American Express. To date, I have yet to receive a response from the creditor, XXXX XXXX XXXX. Under the Fair Credit Reporting Act, the CRA has a certain amount of time -- - generally 30 days but up to 45 days in certain circumstances to resolve a dispute. If the item can not be verified by the creditor within the timeframe, it will be removed from the report. 

American Express has yet to provide a response to my initial complaint. However, XXXX XXXX XXXX XXXX continue to report these accounts as derogatory on my credit report due to late payments. I have provided all supporting documentation to XXXX XXXX XXXX XXXX requesting that these accounts be removed. These supporting documentations can be seen in the form of the following : ( 1 ) Correspondence to the creditor ( American Express ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: CARRINGTON MORTGAGE SERVICES, LLC
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: Account status incorrect

Complaint:
What have you done to my credit report??? Why there is late payment marked on it? I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: LoanCare, LLC
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have my mortgage with XXXX I have reached out to them many time in regards to taking away PMI- I was sent a package from them of the process, which included my getting a home appraisal- Which I did and I submitted to them for approval- Late last night I called 4X on hold over 1 hour finally speaking to someone who told me it was declined. because I have not paid 20 % of my mortgage to them? I explained to them that is not what it said on line or is this what the HOMEOWNER PROCTECTION ACTS STATES. AS long as I am at 80 % than PMI can be eliminated - XXXX XXXX even has the example on there site. 
I dont understand why I have to pay for something that is no longer needed and why I had to pay for an appraisal if now they can go ahead and change the law? 

Please I would like to know what my options are and the facts to PMI and is XXXX  able to do this?

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 2019-06-15
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2019 at approximately XXXX, I deposited XXXX dollars at the US Bank ATM machine located in the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX XXXX California XXXX The sequence of the bills deposited were XXXX, XXXX dollar bill and XXXX XXXX dollar bills. The ATM machine malfunctioned and began making a shuffling sound and eventually returning the XXXX dollar bill but it kept the XXXX XXXX dollar bills. On the screen it asks me how much I deposited and I replied, XXXX dollars. A receipt was given by the machine along with a statement saying, " A machine error has occurred and we are unable to credit your account or return some of the items you attempted to deposit. Please contact XXXX XXXX XXXX so we can assist in the return of the items ''. I deposited this money into the ATM trusting that it would be used to pay a bill that would hit my account days later. Although, the bills were paid by the bank as they were electronic payments and taken out monthly, others charges were incurred like overdraft fees over one hundred dollars. Also XXXX XXXX and XXXXXXXX was directly deposited into my account. It was immediately taken to cover the overdraft fees that occurred because of the machine malfunction. I called the US Bank to ask them to return the funds that had been direct deposited into my account and I was told once the deposit is in the account, they could not reverse it. I explained to them that I am on a fixed income and needed that money to live on. Still Days have went by and nothing has happened. The money that was taken by the US Bank ATM was Thursday XX/XX/XXXX and it is now XX/XX/XXXX, and the direct deposit that was made on the XXXX for my living expense I still do not have it and its now XX/XX/XXXX. I called US Bank again today, XX/XX/XXXX and talked with a teller that told me that it may take up to 10 business days before I could receive a credit which would make it around the XXXX of XXXX before I would receive any money. I am retired and on Social Security and a fixed income and this ordeal is very unpleasant. What can I do?

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 2023-10-16
Company: EQUIFAX, 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:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: ALLY FINANCIAL INC.
State: GA
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 unauthorized inquiries on my credit report. Someone used my social security number to apply for items in my name. I have a active fraud alert on my credit how I was notified these inquiries noted are unauthorized XXXX XXXX XXXX XX/XX/2021 & XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, Ally Financial XX/XX/2021, XXXX XX/XX/2021 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 2019-07-02
Company: Sequium Asset Solutions, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I was on a call with XXXX XXXX XXXX Rep about an upgrade for a new cell phone which was never activated or used I never agreed or informed of the 14 day grace where the restocking fee applies 15 %??? of a phone that cost {$18.00} I was given the wrong number so activation was not completed so I shipped the phone back on XX/XX/XXXX XXXX XXXX XXXX Hired a collection service asking for {$45.00} restocking fee Sequium Assets solutionsat XXXX. and a bill for {$100.00} for a never used phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I live in a condo ( apartment ) with a purchase money mortgage serviced by NewRez. We have had this mortgage since XXXX and have always provided the servicer with proof of our condo owners insurance policy. For the first time, in XX/XX/XXXX NewRez asked for proof of the HOA umbrella policy. Once I understood what they were asking for I submitted a copy of the policy via the website as directed in early XXXX. When I called NewRez on XXXX XXXX  the rep said there was no record of me having submitted it, so I submitted it by email as the rep directed, to XXXX XXXX XXXX XXXX I chatted with a customer service rep on the website who said there was no record of me having submitted it so I emailed again, this time as they directed to XXXX XXXX XXXX. When I logged in again today ( XXXX XXXX  there is no record of the insurance on my account, and NewRez continued to bill us {$130.00} per month in force placed insurance. I emailed proof of the policy again to all three addresses today and begged them to either confirm receipt or let me know what the problem is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted a full, entire modification Package, confirmed by rep at Rushmore Loan management. The full package was received on XX/XX/2022, 40 days before foreclosure XXXX here is the email time stamp attached They are not stopping foreclosure sale as per federal law stated below : Prohibition on foreclosure sale. If a borrower submits a complete loss mitigation application after a servicer has made the first notice or filing required by applicable law for any judicial or non-judicial foreclosure process but more than 37 days before a foreclosure sale, a servicer shall not move for foreclosure judgment or order of sale, or conduct a foreclosure sale, I have phone calls recorded and proof of full submission within 40 days but they are claiming now that they start counting once package is reviewed. Please assist in having then comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity fraud. A fraudster tried to open an account using my information. I was able to stop them via my real time alerting. I contacted the bank. XXXX and stopped the credit card app. The fraudulent application triggered a hard inquiry that stays with me for 2 years. I have been able to resolve with 2 other credit bureaus via phone and online submission. However Transunion refuses to do this. Their insistence is that I mail it registered mail at my cost. This is very unfriendly since their competitors have all online access available as option. I am also forced to write a detailed letter instead of a phone conversation with their representative. I find this very onerous. I have to visit post office during Covid time. Pay for expensive mail. Wait for mail to be delivered. Hope that it doesnt get delayed or lost and hope they open and read my info in timely manner. This is too XXXX. The company needs to help customers not make us jump through hoops. 

As better example. I was able to resolve my issue and submit evidence to other agencies and got satisfaction and resolution in 24 hours with no out of pocket and no pollution. 

I feel Transunion is very consumer unfriendly and putting cost burden to customer instead of their XXXX profits.

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 2023-10-16
Company: PNC Bank N.A.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Mortgage was filed bankruptcy on more than XXXX years ago. While purchasing new home I lost the financing because it was found that the mortgage that was discharged in bankruptcy was still active. I need resolution and my name removed from this mortgage. I have lost money at this point when this should have been resolved over XXXX years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

AXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 2023-10-27
Company: Experian Information Solutions Inc.
State: IL
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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2018-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Received letter from Capital One saying my account was closed due to inactivity.

Account was closed onXX/XX/XXXXI received the letter on XX/XX/XXXX The letter is dated on XX/XX/XXXX.

By Capital Bank closing my account they have harmed by credit score and availability to get credit. Since my available credit has gone down it now looks like I am not a good candidate for the best available interest rate to members with A-/B+ status.

They never gave me any warning. Just one letter after the fact since the account was closed by the time I got the letter to reinstate my account.

Abusive on their part. Now they want me to apply for a new credit card with my credit limit being less than the actual XXXX XXXX that I had on the credit card they closed, and with a higher interest than the 9 % the closed account carried. All they had to do was tell me they where going to close my account and give me a chance to charge something to it so I could keep my high available credit and low interest.

I had this account for over 20+ year. Were is loyalty for his company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Social Finance, Inc.
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In the month of XXXX in 2021, my personal information was used to apply for multiple loans. One of which with a lender, Sofi Lending, was successfully processed and funds were wired out of my bank into some sort of cryptocurrency wallet. By the time I had discovered the fraudulent charges and activities, it was too late and the cryptocurrency platform/company had advised the transactions were not able to be reversed since the entity had withdrawn the funds funded by the lending corporation. 
I have tried since the end of XXXX leading into XXXX and up to date to resolve the matter directly with the lending company and bank. 
So far I have placed an identity theft alert and fraud alert on my accounts and closed my bank account that was infiltrated/hacked into. 
I have submitted affidavit forms with my bank and they should be under internal review/investigation. In the interim I do not feel comfortable with my credit being ruined as I have no previous history of ever missing payments or overdue balances on any of my legitimate credit lines. 
I have filed a police report and can provide copies of all documents as needed. 
The personal loan pulled under my information is for an amount I will not be able to manage and I strongly disagree that it should be my responsibility as I have not used any of those unauthorized funds to begin with. 
This is not only straining my life mentally and physically but financially it is definitely placing me in a very uncomfortable situation. 
I have been employed with the same company for the past 3 years and receive my compensation that it more than enough for me to pay off my expenses and still leave me with some to save on the side for my future financial goals. 
Please provide assistance as the lending corporation has not made any movement on their end even after I submitted the fraud packet back to them with all the documents they requested I provide. 

Fraudulent Loan was processed in the amount of XXXX. 
( 3 ) Unauthorized wire transfers were processed - taken from my account into a bitcoin wallet that is pretty much untraceable.

Company response to consumer: Closed with explanation