BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: PA
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:
Earlier this year, XXXX XXXX accepted and deposited my XXXX mortgage payment on XX/XX/2023 ( XX/XX/23 ). They then reported that payment ( which was already withdrawn from my account by them ) as late because the escrow amount had gone up by {$67.00} between my XXXX statement and my XXXX statement. 

When I discovered the discrepancy, I immediately paid the remaining {$67.00}. That was on XX/XX/XXXX, only 28 days after my XXXX mortgage payment was due. 

XXXX XXXX  has marked my payment history with a " 30 days overdue '' remark, which is incorrect, because XXXX only has 28 days. However, they insist on reporting my payment as late because they follow a policy of payments being late because of the month, not the actual number of days ( XX/XX/2023/XX/XX/2023 ). 

My payment was not 30 days overdue and my credit report has an error on it due to how XXXX XXXX chooses to report. 

I can provide documents from my bank and from XXXX XXXX which show my timely payments. The property in question is : XXXX XXXX XXXX, XXXX, PA XXXX. 

I would like the late payment notification on my credit report to be removed immediately, as this is a dishonest and inaccurate portrayal of my payment history with XXXX XXXX and is adversely affecting my credit score. 

Please call me or email ( information below ) if you need any additional information to update and correct my credit history. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX XXXX The guy name XXXX sent me the amount of XXXX by XXXX XXXX by accident, and he called me to beg me to return the money to him because he have to pay rent and he doesn't have enough money to pay for it. So i told him to wait until I talk to my Chase bank. 
On XX/XX/2021 XXXX called me again to ask me to refund money to him, so i call me Chase bank and ask the Chase Agent to see if it's ok to send back the money to him. The agent told me It's ok to refund it to him because the payment when through and clear. I asked the agent, are you sure about it? Because i don't want XXXX dispute the first transaction after i send the money to him. The agent to me that's he sure about it because It's electronic payment so there is no way he can dispute it. So i sent back XXXX to XXXX. 
On XX/XX/2021 I check my Chase bank account and i saw XXXX disputed for another XXXX. So i contact Chase and they said, they will do the investigation. 
On XX/XX/XXXX, i received an letter said the payment was correct and there is nothing they can do about it. 

So i contact XXXX to ask him to return the dispute money back to me, and then we found out XXXX already cancel the dispute after i sent the money to him on the XX/XX/2021. But XXXX and Chase still took my money. 

XXXX never receive the dispute money and the money never deposit into his account. We called 3 line with XXXX to talk about it but they can not do anything. I also contact Chase bank multiple times regard this problem but they can not help me. 

Right now im lost XXXX and we don't even know where is my money. Please help me to solve the prolem. Im so stress out when i call Chase and XXXX with no help at all. 

Chase and XXXX stolen my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was looking over my credit report and I noticed that the account that I have disputed has incorrect information. It shows that the last time that XXXX XXXX XXXX updated and verified this account was XX/XX/XXXX and XX/XX/XXXX. This is an indiscrepancy regarding these different reporting dates across all three credit bureaus. Also how can this be validated as correct when no one has looked at in 5 years. So I started to do a little investigating on my rights as a consumer and I discovered that the statute of limitations on debt in Texas is four years. This section of the law, introduced in XXXX, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. I demand that this account belonging to XXXX XXXX XXXX ( Account # XXXX ) be deleted for inaccurate reporting and misrepresentation of validating a debt from the XXXX XXXX XXXX and Transunion 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 explanation
Consumer complaint received 2019-03-19
Company: PRESTIGE FINANCIAL SERVICES INC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I hAd a total loss vehicle with prestige financial in XX/XX/2018. The remaining balance after the payment from gap company was charged off. I live in Virginia and per our state laws once a balance has charged off the can not continue to add additional interest to balance. I contacted this company several times and explained my concerns with this matter and the balance continues to grow with additional interest and is being demanded that I pay in order to resolve matter. Based on the laws in my state that is illegal and they can face a civil penalty based on this business practice. Im demanding my account be reviewed and a credit or refund is given for any additional interest that was paid to prestige financial towards the charged off principal balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: Genesis FS Card Services, 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:
XXXX opened my information and have people posting trash on my record. Every fake, none sense and outdated account they presented for collection, XXXX say sure, put it in. When I make a dispute, XXXX denied my request, and said that they are his partner or the bills are correct as it is. For example, {$15000.00} from XXXXXXXX XXXX XXXX XXXX. I was I there for about XXXX months and the apartment has snakes and molds, so I moved out with notice. And I notified the court of clerks. XXXX XXXX XXXX pretending that they got me evicted. I never received and eviction paperwork. I checked with the clerk of court, the clerk of court said they brought a paperwork for eviction, I was already moved out. Also, the clerk of court said the do not no about the lawsuits of {$15000.00}. The owner abuse his power to abused me. I hand up lost all the money from my saving, and my job to leave in motel as a homeless. I am seeking financial damages from XXXX Again, a feral retail account that closed due to data breaches. XXXX help them post it so many time with a creation of new account number. I do not owe that debt. Someone else was shopping on my name while I was shopping for furniture online.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
hi, i opened an account by Coinbase like a year ago. since then i have been able to buy, sell and exchange cryptos. 

the XXXX of XXXX last i tried to send a small amount of eth to my wallet in swissquote ( XXXX XXXX and it didnt worked out ( no problem - the transaction has been voided ) BUT MY ACCOUNT HAS BEEN ARBITRARILY DEACTIVATED SINCE THEN, claiming a security issue. 

i wrote to them immediately telling them that my account is not in danger whatsoever and got the answer they are gon na check the issue and it can take till 10 ( ten! ) days to get an answer ... 

after 11 days no comment from them. no answer to my mails. 
i should have XXXX XXXX -- in there now ... 

please help. 

tx in advance XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-08
Company: Conn's, Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I was in the process of looking for a furniture purchase. I did a pre-qualification through Conn 's 2 weeks ago. Spoke a rep that called on XX/XX/22 by the name of XXXX. I stated that I would try to make it by after a conference. I had talked with them multiple times over the past couple of weeks. I then get a alert that my credit report was accessed. I did not give Conn 's permission to pull my credit report. This action caused a hard inquiry on my report. I did agree that I would purchase anything from Conn 's. This was impermissible and should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: SC
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:
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX Account number XXXX, Account name XXXX XXXX XXXX XXXX account number XXXX, Account name : XXXX XXXX account XXXX, Account name : XXXX XXXX XXXX XXXX account number XXXX account name : XXXX XXXX  account number XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a first notice of tax sale from a lawyer dated XX/XX/XXXX and contacted the local XXXX XXXX Department of Finance/ went to the courthouse to speak with someone. I was not receiving any of their notices as they were being sent to the previous owner and the reason for it was that only half of the XXXX tax bill was paid. I called SLS on XX/XX/XXXX and informed them of the issue, and was told they would look into it and provide an update. This required two attempts at calling, with the first person telling me that I was bringing up a scam when I mentioned that a lawyer purchased the tax lien since it went unpaid for so long. That first person appeared to hang up on me and did not call me back at the number I provided at the beginning of the call. 

On XX/XX/XXXX, I was contacted by the contact I spoke to with the Department of Finance saying that the tax was paid, but the lien still existed due to unpaid legal fees. I see an escrow analysis document showing the payment on XX/XX/XXXX in my online portal, but I was never told about this or contacted by SLS in any way to tell me that they were paid. I was originally recommended by the Department of Finance to not personally contact the lawyer but to instead go through the mortgage company. I called the mortgage company later that day, and again was met with hesitancy regarding fixing the issue. They refused to take the name and contact information of the lawyer and insisted that they had paid everything even though the Department of Finance disagreed. 

I received a second notice of sale from the lawyer on XX/XX/XXXX by certified mail, though it is dated XX/XX/XXXX in the letter. I was told by SLS that they would fix the issue by XX/XX/XXXX, but I have spent a cumulative 14 hours on hold these past two days without being able to contact someone outside of being hung up on immediately after connecting once. I believe that I am very close to the six months since the sale of the tax lien and have gotten no help or answers about it. 

I have attached the letters sent by the lawyer. The first one got ripped by a pet, but the only difference is " First Notice '' instead of " Second Notice. ''

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 2023-01-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. 
The List of accounts ON MY FTC REPORT has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A 15 U.S.C 1681 Section 604 A Section 2 15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C. 1681s-2 ( A ) ( 1 ) EQUIFAX, XXXX, AND XXXX USES FORIEGN OFFSHORE XXXX XXXX TO HANDLE CUSTOMERS SSN AND PRIVATE INFORMATION WHICH IS TREASON AND ILLEGAL. 
THIS IS WHAT CAUSES HACKING AND DATA BREACHES. 
THEY ARE A THREAT TO THE XXXXXXXX XXXX ASSETS!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: EQUIFAX, INC.
State: VA
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:
XXXX has attempted to bill me for viewing my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: Ditech Financial LLC
State: CA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Ref. : Ditech Loan # XXXX, XXXX Loan # : XXXX E-mail : XXXX XX/XX/2019 XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : I recently had an extremely upsetting and very costly experience with your organization, regarding lost by 60 points on the credit score report. As you know my loaning ( see above Ref. # ) servicing was transferred from DiTech to your company. And within the 60 day time period your company and XXXX reported me 30 days late on loan payments. I made my payment on time to Ditch before you have taken over loan servicing. And DiTech forward monies on XX/XX/XXXX ( per your CSR ) which is not my responsibility to handle. However, CSR, spoke to me that it was my fault. How rude, unprofessional and unknowledge of the requirements in place to say such statement to a customer!. I request compensation from your company, causing a negative effect on credit score and also effect on my interest rate credit cards. 
Prior XX/XX/2019, I made my mortgage payment as per contract in place. Once I received a report from XXXX, XXXX and XXXX my credit score has been packed with report of late payment. I immediately contact your company, and out of multiple calls made I was told do not be concerned and also letters. XXXX is not permitted to make note of a late payment, or report to credit scoring agencies. However, that is what you exactly did anyway!! Furthermore, out of all contacts I made to your company, only one CSR was professional and respectful to me. All other treated me like a deadbeat person. Where do you get off treating customer in such a poor manner. 
This XX/XX/XXXX, and still you have not corrected your error. Even though, you reported me late with 60 day grace period and almost immediately after XX/XX/2019. Such a swift action, but you are still not able to be as swift in correcting your error. It is amazing this how your company acts and treats a new customer. 
In an addition I am sending this complaint to Consumer Financial Protection Bureau for them have record and take further actions on your misdeeds. 
Please call me at ( XXXX ) XXXX or email that you are confirming receiving this formal complaint of misdeeds. 
Sincerely XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
this is an update to my complaint # from XX/XX/XXXX XXXX I have located the second money order receipt # XXXX. The receipt for the first money order # XXXX was sent on XX/XX/XXXX. Please add this to the complaint and I have added it to this complaint from XX/XX/XXXX. 
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT On XX/XX/XXXX I was going to a XXXX branch to deposit XXXX in cash. I got there about XXXX XXXX and there was only 1 teller and about 5 people on line. I had to go to work. I went to an empty post office the next XXXX ( XXXX XXXX XXXX XXXX ) to get 2 money orders..After the money order fee the amount of the 2 money orders was {$990.00} x 2 so I could deposit them into a XXXX ATM and avoid waiting in line. So I did that on the afternoon of XX/XX/XXXX. I got a phone call the next AM ( XX/XX/XXXX, ) from a very mean and snotty WFargo rep who explained that the Money Orders were altered and my account was now closed. My account had XXXX in it before the deposit. Now I can not access that either. As to the " altered '' money orders, they are absolutely out of their minds. I can not believe that is happening to me. They are holding all my funds, hostage because somebody there decided they are ALTERED??? I do not understand. I have a pic of the receipt for 1 money order ending with the number XXXX. I used 2 of my debit cards for this at XXXX each. The receipt for the money order ending in XXXX, I can not find but I do have the actual money order receipt that was attached to the money order. Both of these checks were deposited into the ATM. I need mt money back. I need the XXXX x2 and the balance of my checking acct with XXXX from them. They seem to be thieves!!! I know for a fact that Wells Fargo has a track record of cheating customers with fake accounts, interest on auto loans, and opening accounts without people 's knowledge. and charging.fees that customers did not agree to. I do not want them to get away with this and need my funds immediately. 

ATTACHMENTS XXXX XXXX receipts.pdf ( XXXX KB ) XXXX XXXX receipts.pdf ( XXXX KB ) XX/XX/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 explanation
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian abused reports

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 2023-06-14
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:
IN REFERENCE OF THE BELOW ACCOUNT ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX In accordance with the Fair Credit Reporting Act XXXX acct # 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 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 166b A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-03
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On Monday, XXXX, I sent XXXXUSD to XXXX XXXX XXXX through MoneyGram, Reference Number : XXXX. The funds were to be deposited to his XXXX XXXX XXXX account in XXXX XXXX, however, when Mr. XXXX went to the bank to collect them, he was told that his name was not correctly printed on the transfer, and that there were no funds to be released to him. Accordingly, I contacted MoneyGram this morning, XXXX, at approximately XXXX and requested that the transaction be canceled and the funds be returned to my checking account from which they were withdrawn. Although he said he would try to submit a refund request, the operator responded that the money had in fact been deposited into Mr. XXXX XXXX  account and it could not, therefore, be refunded to me. He stated that MoneyGram has no means of returning funds already deposited in a bank account or to guarantee that they are delivered to the intended recipient, thus effectively leaving me with no options for either recovering my funds or ensuring that they are delivered to Mr. XXXX. When I asked the MoneyGram operator to send some kind of documentation of my phone call with him wherein I asked that the transaction be canceled, he responded that there was no way to do that. There is, therefore, no official record of my cancellation request. I need help either recovering my funds from MoneyGram, or ensuring that they are delivered to the intended recipient.

Company response to consumer: Closed with explanation