BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-02
Company: DHI Mortgage Company
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I XXXX XXXX is an customer with the XXXX XXXX XXXX with dr XXXX. The loan officer XXXX XXXX stated I can go under contract while I am in the club. XXXX stated that the Florida bond and the 10000 that dr XXXX closing that I would have nothing due at closing. After I signed the contract and paid 150 of my binders fee with the sale agent XXXX XXXX on XX/XX/XXXX, XXXX stated that it will be 4000 due at closing. I have told XXXX several times that I have no money for closing and that is why I applied for the FL bond. I feel that I was told what I needed to hear just to sign the contract. XXXX XXXX has ignored several texts and calls regarding me getting my binder fee refunded due to me not being approved of what the loan officer XXXX XXXX stated

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Nelnet, Inc.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My student loan was transfer from great lakes to this company NelNet The website does not work and you are not able to access your account at all. The page has constant error failures even after inputing all your information. 
Customer service phone line will not provide you with a representative to talk to. 
Tried to email customer service and they say the email volume is to large for them to respond to my email. So i have no way to access my account and pay my student loan. Payment is due in XXXX. How am I going to pay my loan and not have them absolutely ruin my credit if i have no way of accessing my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2022. I placed an order for clothing and over 1 year later I have not received my items. I filed several complaints with cash app and was ignored. I provided proof of my purchase and email communications with the seller to cash app which provided information showing I never received my items. Cash App refused to acknowledge the emails from the seller stating my items had not shipped, even after 50+ days. It was only after filing a complaint with the XXXX that I was able to get my refund back from cash app. Unbeknownst to me, they also decided to close my account because of the complaint. I had funds as well as stocks. Today, I woke up to an email stating my stocks have all been soldwithout my knowledge and consent. I am completely horrified that an institution who holds my funds is allowed to act in such a manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Bank of America intentionally delayed investigation into unauthorized and fraudulent transactions on my account. I was consistent with following up, provided plenty documentation and thorough analysis of the case. My money was used and abused by fraudsters in connection with merchants specifically grocery chains where my atm debit card was scanned and reused of purchase of goods not easily traceable. I spoke with bank multiple times stressing situation I was denied claim and message was sent via online banking stating claim not paid and I authorized transactions with signed contract. Not true because I didnt have any contacts with grocery store nor did I signed anything. Totally brazen action of the bank not to mention cruelty of their employees blatantly lying to me and being extremely disrespectful including discriminatory behavior towards me. I do speak English and I definitely demand a thorough investigation documents. I kindly requested re-investigation because I am confident my money was stolen by professional hackers and criminals. I have not received any response. If bank doesnt return / credit my money back to my account I have no other choice than follow law suit

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 monetary relief
Consumer complaint received 2023-12-15
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Charged for sales tax on XX/XX/2023 for unknown reason and nobody will help me at Citibank, the card issuer. There was no purchase made so how is there sales tax on a ghost item?

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 monetary relief
Consumer complaint received 2023-12-03
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Equifax, XXXX, and XXXX are all reporting inaccurate personal information on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
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:
I submitted a letter to the Credit Bureaus to correct these erroneous accounts. 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. These were already included in my prior complaint and I'm including them again. 

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 2022-12-17
Company: Experian Information Solutions Inc.
State: MI
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 15 USC 1681. 

Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number : XXXX Account Name : XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Accoun Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : 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 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 explanation
Consumer complaint received 2023-08-31
Company: EdFinancial Services
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On or about XXXX, XXXX  ; I Consolidated a Private Student Loan from EDFINANCIAL to a Federal Student Loan/Dept of Education Loan Serviced by XXXX. 
Since this time, i have been trying to get this transferred loan off of my credit report. I have written letters to EDFINANCIAL, have filed complaints and have done everything that I can think of to get this loan removed. As of today, This Student loan Is Still Showing as Open with a balance of {$22000.00}, Dept of EdXXXX XXXX XXXX is also showing with a balance of {$22000.00} ; which means that this loan is showing on All Three Credit Reporting Agencies as TWO Open Loans instead of ONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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:
My report was pulled on these days without my knowledge or consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
We are applying for an apartment. Equifax Saya there is no hold or freeze on the account but the apartments program they use to pull the credit says there is a consumer fraud alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: Data Mortgage Inc.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I have a mortage loan with Essex Mortage for the last month. I have not been able to speak to anyone at the company. I have emailed several times, ive called several time different time of the day. No one answers the phone, there is auto message and then it drops the phone call. I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I mailed the cusumer care on XX/XX/XXXX, XXXX, I just get a automated reply from the emailes. I used the Fill out the form below to send a message directly to our Servicing Department on the home page and the contant us form in the portal also no response. 

I can not pay my mortage. The website will not allow me to do any one time or recurring payments setu p I get a " Please call us to discuss your loan and make payment ''. Again the automed system hangs up, i cant get anyone on the phone.

Also the website has to update payment history and my payment information is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX, is improperly calculating my FICO Score XXXX. The date you opened your oldest bankcard or credit card account is too recent XXXX. Lack of sufficient credit history XXXX. Lack of sufficient relevant real estate account information XXXX. Balances on bankcard or credit card accounts too high compared to credit limits

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Penn Credit Corporation
State: OH
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:
This account has been reporting for 3-5 months, with no information given, and no investigation completed per 15 USC 1681eB shouldn't be reporting as I also never gave permission. This Penn Credit ( AEP ) account was also re-added and I was never given 5 days prior notice. I mentioned this and it's still reporting and only being updated. This is entirely incorrect, and false and I want to be removed. See attached report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Experian Information Solutions Inc.
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-03-20
Company: EQUIFAX, 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:
Equifax, XXXX, and XXXX are reporting my student loans from XXXX and XXXX late from 2018 and I wasn't this has been plaguing for four years and it's preventing me from getting a house I need this resolve asap their not following their own rules when it comes XXXX time status and responding with the correct information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with fees or penalties

Complaint:
I have tried access and calling for access to the account since XX/XX/XXXX. The facts that I have to pay penalities on a CD due to your company negligence is outstanding lol.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Around XX/XX/2023 Citi blocked my ability to access my funds on my checking account arguing they could not verify my identity. I went to the branch and presented my passport and still Citi did not unblock my account with me present and with my official ID. I then called multiple times and Citi argued they could not unblock my account until I had my phone verified. I provided my number which was the one I used at opening the account and they said they could not verify it. This happened multiple times after hours on the phone and multiple visits to branches. Citi on XX/XX/XXXX said they would send me a letter with a verification code and that it would take 5 to 10 business days but I never received the letter despite Citi having confirmed that they have the right address. Today is XX/XX/XXXX  and I have still not received the letter nor has the account been unblocked despite my efforts through calls and visits to branches. As it stands Ive incurred in around XXXX dollars worth of fees. XXXX XXXX at the Citi XXXX XXXX XXXX and XXXX XXXX was the last interaction I had at the branch today. They called the Citi team that is supposed to be able to solve this but they have referred to a verification letter the same referred to above from XX/XX/XXXX that I never received. I did receive however another letter from citi regarding tax forms so we know that I live at the address stated on my account and that citi is able to get letters to me. This is causing not only a high degree of XXXX  but I have also not been able to make any payments from my account including rent and utilities which not only damage my credit score but also creates the risk that I breach my lease and my other obligations. This is also the account where I receive my salary so I dont have access to that either.

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 2022-10-11
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
Companies like Moneygram do this to people because nothing is ever done. I'm XXXX and i don't have money to just give to Moneygram who is basically stealing customer 's money and playing games. Their phone agents are Incompetent and can't comprehend simple XXXX nor do they try to assist anyone with anything. They bounce you from agent to agent yet not one will assist you or they tell you that you have to contact this department and that department. They don't respond to emails or to messages you send on their website. Therefore i'm filing this complaint against Moneygram will their fraudulent antics. Moneygram have proof that i sent them showing the money order was never cashed yet they're still refusing to send me my check for the {$300.00} claiming it need further research. I purchased a money order on XXXX for {$300.00} at CVS Pharmacy on XXXX XXXX XXXX XXXX in XXXX, MI XXXX. The Company that i made the money order out to never cashed it and finally gave it back to me in XX/XX/2022. I checked on the Moneygram website and it showed the money order was never cashed. Moneygram charged me {$45.00} for so called 3 Day Processing then they charged {$22.00} for Overnight Shipping. I received an email from Moneygram on XXXX claiming they need more information abd to send a copy of the money order and the receipt. I sent in what they requested not once but twice that day. I sent the proof by email and i posted it on their website. Since then i've not been able to check the status of my money order website and all i keep getting are 6 Blue spinning circles which i told Moneygram about yet it's a new week and Moneygram still won't fix their website. 

I included screenshots of their email, the money order i sent proof of, as well as their website and you can see that Moneygram is playing games with people. All of a sudden after i submitted proof now i haven't been to check the status. Moneygram charge all of their ridiculous fees then keep your money even when you provide proof that the money order was never cashed. I've made every attempt to get answers about my money yet Moneygram continues to play games.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-09
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Noticed an unauthorized transaction on my debit card reported it to Huntington they reissued my debit card and disputed the charge. Then they reversed and reapplied the unauthorized charge to my account. I called them again to get clarification what the issue was and why this happened. Agent told me they denied it because it is consistent with my account activity I advised that I dont understand what that means then they asked me did I lose my card I said yes. Then the agent told me they will get it reopened for me. I still dont have a resolution. I will not be paying for a charge I did not make.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-20
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have NOT have any services, products that this company is claiming. I have submitted electronic disputes repeatedly. They continue to report it on my credit report. I have statements indicating that the account is Not mine. They insist demanding that is my account. The personal information they have on me does Not match my information. Like Social security, account number and products they claimed I purchased.

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 2022-10-11
Company: Resurgent Capital Services L.P.
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
I tried to dispute them with my credit report, but they just keep coming back verified which is not accurate per the FCRA Laws. So then I started digging on my own with this company and noticed they are not supposed to be operating in my state. They do not have a collection agency license. not only does this breaks the FCRA laws but also the State laws. This is Fraud.

Company response to consumer: Closed with explanation