BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-17
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have received a copy of my credit report with the intentions of trying to improve my credit and take care of my applications and noticed if you accounts that I want it explanations for. Im not saying they reporting right or wrong. Im just saying that I am sure they are reporting wrong. I also read something called the fair credit reporting act which is sad by law I have the right to challenge anything I am not sure is accurate. And once I started to contact the reporting agencies to dispute some of the things that were on my credit report it seem as if they updated their information with my information that I was giving them. 

I also thought that all three of the credit beaur were supposed to be report the accurate/same information. My reports are not showing the same information In accordance with the fair credit reporting act XXXX account XXXX for XXXX, Experian, and XXXX has violated my rights. 


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 an account without my written instructions.

15 U.S.C 1681i ( a ) it states if you can not provide proof accounts must be deleted.

15 U.S.C 1681s-2 ( F ) ( ii ) it states that if the credit obligation or account was delinquent before the pandemic ( aa ) the account must maintain the delinquent status doing the period in which the pandemic is in effect.

( iii ) it states that no changes should be made to a charged off account.

I would appreciate it if these accounts accounts are deleted if they are not 100 % right and accurate/correct. Could you please check on these accounts and get back with me? I also saw on the credit site in Board where you have 30 days to complete the investigation please investigate the following accounts and remove them if anything is missing or not correct on them.

Thank you in advance

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 2021-03-15
Company: Better Mortgage, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am refinancing a mortgage through better.com. They have made several errors throughout the application process, which I have tolerated in order to close the refinance. However, we have now exceeded the lock-in period, due to a delay in receiving archived documentation from a subordinated forgivable loan. To extend my rate, I am being charged in points at a total of {$490.00} per week until a promissory note is provided by the subordinating subordinating lender. 
As I submit this complaint today, it is XX/XX/XXXX. I was told on XX/XX/XXXX " not to worry '' about these documents, but then on XX/XX/XXXX, that they are " needed ''. 
In addition, I am also asked to provide " monthly statements '' for this loan, which do not exist as it is a forgivable loan. These are the 2 reasons Better.com have given for not being able to close and charging me these fees. 
The subordinating lender does not have any idea how long it will take then to find the promissory note - they are a small office hampered by COVID-19. They have provided written assurances to the lender regarding the terms of the forgivable loan, but these have been deemed unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: Tango Delta Financial, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/XXXX, we received an e-gift card master card for {$150.00}, we only used it once and still has a reminding balance of {$38.00}, but it is impossible to use the remaining balance, it is because an e-gift card, we only are able to use it for the online transaction. 

1 Initial Decline for Utilities Bill : The e-gift card was declined when attempting to pay a utilities bill of {$38.00}. The utilities company was unable to provide a reason for the decline. 

2 Instacart Transaction Decline : The card was also declined when trying to use it on XXXX for a total of {$34.00} ( including a {$3.00} tip ), even though the available balance on the card should have covered this amount. 

3 XXXX XXXX Order Cancellation : An attempt to use the card for a {$36.00} merchandise purchase at XXXX 's resulted in an order cancellation due to a card error. XXXX 's refunded the {$36.00} back to the card. 

4 Unresolved Refund from XXXX XXXX : Despite XXXX 's refunding the {$36.00} on XX/XX/XXXX, the card company is holding the money for 30 days and the amount still needs to be returned to the e-gift card. 

Inaccurate Explanation from Card Services : When contacting the card services number ( XXXX ) at least 5 times and they do not solve it, they claimed that the XXXX amount exceeded the available balance, which is not valid according to my records and evidence. They are unable to explain why I cant use it on utility companies and Macys. 

The desired resolution, which is to have the remaining balance of {$38.00} refunded to me in a check, the e-gift is a scam and we do not trust them anymore, and to address the stress and inconvenience caused by this situation.

Company response to consumer: Untimely response
Consumer complaint received 2021-03-15
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My stimulus payments continuously go to the wrong account, Ive tried to fix it through the irs and at one point my bank was able to reverse the funds however they arent doing that or rejecting it from that invalid account which cause me to not get my stimulus. Ive tried everything and have been told theres nothing we can do even though theyve done something before, Im struggling like everyone else and dont want my XXXX to go somewhere else. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My credit report has dropped from XX/XX/2023 from XXXX to XXXX XXXX XXXX XXXX without a balance and the only change was hard inquiries dropping off. In XXXX of XXXX my credit report showed XXXX. I'm a XXXX women XXXX  years of age with XXXX. XXXX XXXX, XXXX, Equifax has discrimination. I shall ask for injunction for retaliation case XXXX United States What is the Equal Credit Card Act? 
This Act ( Title VII of the Consumer Credit Protection Act ) prohibits discrimination on the basis of race, color, religion, national origin, XXXX, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/19 I requested a balance transfer for {$3000.00} from a XXXX card account ending # XXXX. When I checked a few days later online it stated it was to XXXX XXXX. I do not have any accounts there. My wife also initiated a balance transfer from XXXX and hers came up as XXXX XXXX XXXX ( she has a separate complaint ). She called and they verified it was correct and American Express customer service explained to her that sometimes the bank name appears different. I received a call from American Express verifying my identity and confirming the balance transfer. I could barely understand the lady as she spoke very broken English but, I did make out the last four digits of the card number was # XXXX. I did not think much of the online portal saying XXXX  XXXX as my wife had a similar issue and was told its ok. On XX/XX/19 I checked my balance online and it says I have a {$3000.00} balance from a balance transfer to XXXX  XXXX. Again I do not have any accounts at XXXX XXXX. When I click on the transaction it says it was sent to XXXX XXXX Dummy Account, XXXX XXXX XXXX UT. When I XXXX XXXX XXXX it comes up at American Express also the balance transfer says it was credited to XXXX XXXX XXXX, which is not even close to the account number I provided. I did verify that the amount was not credited to the XXXX account. I did the online chat with the customer service rep and she confirmed that the information they had was XXXX and she advised me to speak to the balance transfer department. I called them on XX/XX/19 a gentleman picked up and I explained the situation he said ok ill open an investigation and you will hear something in 7-10 days. Okay thats it? I am expected to carry a random {$3000.00} balance and no one knows how this happened. I called back on XX/XX/19 and gave them permission to speak to my wife. She asked how this could have happened and they couldnt answer, she asked them to verify the information that was entered online when the balance transfer was initiated and the gentlemen told her it didnt matter and an investigation was open. I find the customer service that I have received to be less than subpar. The lack of any concern from the people I have dealt with at American Express leads me to believe they are dishonest and deceitful. I am not sure how one branch of the company could have the correct information and incorrect information. I find these actions to be very suspicious considering a similar situation has happened to my wife. I wonder how many times this has happened to other customers. As of right now I am carrying a {$3000.00} balance on my American Express credit card that I did not authorize and no one can explain to me how this has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: WATERMARK CAPITAL, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have two mortgages with Watermark Capital , Inc. Loan # XXXX and # XXXX They have always been slow to process payments but in the last few months its gotten horrible. In XXXX I sent out a payment through XXXX bill payment. Most of the payments through this system are processed and posted by the company to their web site in about three days. In XXXX, they didn't post it until the XXXX of XXXX, about two weeks after I'd submitted it through XXXX and 8 days after XXXX had reported it was processed, and this only after I'd called to find out what was going on. Because of this I sent paid them earlier for the balance due on XX/XX/XXXX. Again, through XXXX bill payment I sent out the payments on XX/XX/XXXX. As of XX/XX/XXXX the processed one payment on XX/XX/XXXX and the other has not been processed. 
I called on XX/XX/XXXX to find out why they haven't been processed. I was told that they would look into it and asked me to call today ( XX/XX/XXXX ) to see what they had found. When I called, they told me nothing had processed. I could see on their web site that one of the payments had been processed and when I tried to tell the first representative that, he didn't listen to me ( I literally asked him if he'd heard what I just said and he just repeated the last three words I'd spoken ) so I asked to speak to a supervisor. 
When I talked to the supervisor, named XXXX ( Unsure of spelling ) He consistently told me it was the fault of the post office and told me several times that neither check had been processed. I created a conference call with XXXX who noted that both checks had been mailed out on XXXX, that they should have been received by XXXX at the latest and that one of them had been paid. It was only then that the Watermark rep admitted that they had processed that check. He then told me that the hadn't received the check until XX/XX/XXXX though I could see on their site they received it on XX/XX/XXXX. 
At one time he told me that " as a onetime courtesy '' they would waive the fees associated with a late payment, but then later told me he could only put in a request. 
Although he consistently blamed the USPS, and holiday mail, I consistently pointed out to him that holiday mail happens before the holidays and not after, that they have always processed check slowly but for many years that process has been before the XXXX of the month but he consistently blamed USPS. 
After threatening to officially report their unreasonably slow processing practices, he became more helpful and promised to do a better job of looking into the second unprocessed payment and figure out what happened. I'll be calling again tomorrow, hopefully without needing to take a 3rd hour out of work to talk to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Convergent Resources, Inc.
State: LA
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 contacted Convergent Outsourcing multiple times demanding any and all documents, bearing my wet signature, showing that I have a legally binding/contractual obligation to pay Convergent Outsourcing {$770.00}, the payment history, and a breakdown of the bill in question, specifically naming the above company as a person/company entitled to enforce a commercial claim against me ... and my legal demands have went unanswered. I do not know this company. I have no business with this company. I do not owe this company any money. This company has falsely reported information to XXXX, XXXX, and XXXX which has resulted in defamation of my character. Furthermore, this company has created a deceptive image that gives potential & future creditors/employees the illusion that I am in debt or that I am liable for the alleged debt mentioned above. Any computer generated bill such as an XXXX bill is unacceptable.

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 2021-03-15
Company: Winklevoss Exchange LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
XX/XX/19 opened account with Gemini, transferred in {$100.00} to purchase XXXX. Unable to withdraw funds until account is verified. Have been pending verification since XX/XX/19. No customer service support available.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 completed a short sale XX/XX/2016. Mortgage was paid in full, yet the accounts still appears on my credit report as delinquent. I've contacted all 3 credit bureaus about removing the accounts numerous of times. My request have been ignored. Can you please assist me? I feel like I'm being treated unfairly. My last attempt to remove these items cause my credit score to drop. This is odd to me because, my credit utilization lower than it has been in months. and my payment history is at 100 %. My last late payment on my report is the actual mortgage itself. This system seems to be rigged in a way where it leaves people at the mercy of the credit bureaus. Please have them do the right thing here. If you investigate my history, you'll see everything that I'm saying is accurate.

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 2021-03-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: ALLY FINANCIAL INC.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
ALLY has FURNISHED data on the consumer without the consent of the consumer ALLY 'S reports defamed exposing the consumer to adverse action ALLY HAS FALSIFIED documents on loan paperwork as original creditor. 
ALLY has harrased and illegally collected payment from the consumers credit sale.

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 2023-10-10
Company: Experian Information Solutions Inc.
State: FL
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:
Experian, XXXX XXXX, And XXXX are obligated by FCRA to report accurate accounting. The consumer has advised ALL the inquiries reported were fraud, and said the company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of the consumer, the consumer is now requesting Experian, XXXX XXXX, And XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, Experian, XXXX XXXX, And XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. the consumer is NOT asking for an e-oscar report, If Experian, XXXX XXXX, And XXXX do not have documentation to show these were in fact authorized they must be removed ASAP. Said company is liable under the SEC to follow certain rules, Experian, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I will be filing form 211 treasury omb forms to audit consumers ' 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 2022-01-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have spoken with several representatives regards these matter and stated made changes. All charges removed were reapplied in a manner that is confusing. No one can explain. These charges were removed XXXX and last reapplied XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
There are items on my credit report related to fraudulent activity. In XX/XX/2021, I began dealing with this tragedy after much research. Completing the FTC was my first steps in trying to have this issues resolved. Presenting just this document to the credit bureaus only got me ignored. So to get better answers I turn to CFPB to help resolve my issue. Never have I applied for anything with this creditor. My authorization was not given to have this account opened. This account was open fraudulently and should be closed immediately.

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 2023-02-09
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have been through multiple unfortunate financial scams. I am paying the heavy price for being a nave individual. total amount is in an excess of 6 figure scams. 
My bank, fraud department did investigate my transactions and deemed me a high risk consumer, may account was closed abruptly, even after being with white like a snow financial records for the last 26 years with same bank. Unfortunately, none of what i was promised was carried on, i was informed, my debt card will function for a month, my account will continue to pay bills as long as there is positive balance, until i transition onto a different bank, none of that occurred. 
I do understand, I made poor judgment on these transactions, as was elated due to the idea I am starting a new business and I am in need to fund the business. 
Unfortunately, everything i touched turned to be a scam even they are unrelated to each other, i. e sell a time share to fund my " new business '' etc etc. I don't know where my bank responsibilities of thees scams ends, as i did wire money to multiple separate domestic banks.

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 2021-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Under 15 U.S. Code 1681b-Permissible purposes of consumer reports. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. I, XXXX XXXX, never gave XXXX any written consent to report anything on my credit report. No consent is IDENTITY THEFT.

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 2021-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 theft the following accounts listed in my doc and on my affidavit how been furnished without my consent or my authorization. 
This have been very damaging to my reputation as a consumer. and is a infringement of my privacy.

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