BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-24
Company: BAM Management US Holdings Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I attempted to purchase XXXX at a price of {$2200.00} inclusive of fees on the Binance.us website. The website indicated the transaction failed and my account was not credited, however on XX/XX/XXXX their payment processor withdrew {$2200.00} from my bank account. I contacted their customer support and did not receive a response until I began complaining about the situation publicly on XXXX. Since then I have received emails, usually a week apart, first asking for more information, then acknowledging the error, then saying my account would be manually credit for the purchase, and finally saying that they might be able to credit my account towards the end of the month. I separately contacted XXXX, their payment processor, however XXXX ascribed the problem to Binance, us and didn't really offer any help. As of today, XX/XX/XXXX, I have received no reply to my last correspondence indicating I found their " solution '' unacceptable ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: SLM CORPORATION
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
When my daughter was getting the student loan with XXXX XXXX I was not the one who filed all the information online. Only parent information I inputted and saw no interest rate anywhere. After asking my daughter for the information on the loan for many months since the loan started I decided to contact XXXX XXXX myself on XX/XX/2019. I was not given any documents by XXXX XXXX concerning interest rate or any other mail concerning the loan. When I called to find out the interest rate of 10.5 % I asked them to stop the loan right then. The representative told me I can not stop the loan. There are many things that have been done by XXXX XXXX that makes this loan agreement void. 
They say there was interest rate disclosed online which I saw nowhere. I should not have to see every page to find this. 
The student loan rate is 5.05 % in XXXX There never given the reasons for the fixed rate of 10.5 % they apply to my daughter. This makes no fairness to a student who does not know about the loan. 
Having no written communication about the loan co-signer is avoiding a more knowledgeable person in the contract. I believe this is deliberate action by XXXX XXXX to charge the high interest rate to unsuspecting people. 

I have no file to attach because XXXX XXXX sent me no information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: Google Compare Credit Cards Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Google wallet keep telling me they refunded my XXXX only charge I ever had with them.. I was requested to get a bank letter head showing I never received the refund which I did i sent it in. Now there response if they do not see anything for the transaction called the bank which they have been telling me for 3 months now.

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 2022-02-21
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 disputed the inaccurate information reported on my Transunion credit report for Avant credit card. The company has reported the status of my credit card as a charge off every month since XXXX of XXXX. An account can only be charged off once. They're also reporting the first date of delinquency as XX/XX/XXXX. How would that be accurate if it was charged off 2 years ago? When I disputed with Transunion, they simply updated the account as " closed ''. This is unfair and inaccurate credit reporting.

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 2020-11-26
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2014 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Experian Information Solutions Inc.
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: Old information reappears or never goes away

Complaint:
I have 4 accounts total, 1 on Experian, 2 on XXXX and 1 on XXXX   which have been closed satisfactorily, except for a couple of late payments that I not only informed creditors of, but also caught back up with before the time that has been reported. Recently this has affected my life and chance to keep my credit clean as I have attached in screenshots, these decades-old account shouldn't be showing as seriously delinquent to this day when i caught up and closed them amicably.

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 2019-03-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The dates contained with my credit file for XXXX XXXX are incorrect and the credit bureau is in violation of the FCRA. In accordance with the FCRA the collection agency must report the origianl date of delinquency and this date is not allowed to change by law. In a effort to reage the account XXXX has filed incorrect dates. In accordance to the FCRA the creditor must report the debt from the original date of delinquency. The information XXXX has in the file is incorrect and the credit bureau is in violation. They did not review XXXX   documentation prior to reporting the debt.

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 2019-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The dates contained with my credit file for XXXX XXXX are incorrect and the credit bureau is in violation of the FCRA. In accordance with the FCRA the collection agency must report the origianl date of delinquency and this date is not allowed to change by law. In a effort to reage the account XXXX has filed incorrect dates. In accordance to the FCRA the creditor must report the debt from the original date of delinquency. The information XXXX has in the file is incorrect and the credit bureau is in violation. They did not review XXXX  documentation prior to reporting the debt.

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 2019-03-02
Company: CITIBANK, N.A.
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Citi refuses to close my credit card account. I requested closure by both phone and in writing online.

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 2023-05-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
[ Your Name ] [ Your Address ] [ City, XXXX, ZIP ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX  XXXX, Iowa XXXX Subject : Complaint regarding identity theft and fraudulent auto loan account with XXXX XXXX XXXX ( XXXX ) Dear Sir/Madam, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the identity theft account opened in my name, which has resulted in an unauthorized auto loan account with XXXX XXXXXXXX XXXX ( XXXX ). This fraudulent account was reported by Experian, XXXX, and XXXX on XX/XX/2022. Despite my numerous attempts to resolve this matter directly with XXXX, they have failed to provide any assistance or support, aggravating my distress and posing potential harm to my financial well-being. 

The evidence I have gathered reveals that XXXX has produced a copy of a contract allegedly associated with the fraudulent transaction. However, this contract is not signed by me and contains fabricated information. The existence of this fraudulent account has caused significant stress and concern, with the potential to severely impact my creditworthiness. Therefore, I urgently request the removal of the auto loan account with XXXX from my credit report due to clear evidence of fraud and identity theft. Additionally, I request the removal of any associated inquiries or negative information stemming from this fraudulent transaction. It is crucial that my name and credit history are cleared of any detrimental effects caused by this fraudulent activity. 

Specifically, I implore Experian, XXXX, and XXXX to expunge this account from my credit report, along with any inquiries or negative information linked to this fraudulent transaction. XXXX has repeatedly failed to verify my identity, provide a valid contract of the purchase, furnish identification details used during the contract process, supply duly signed documents, or possess accurate information about me. Furthermore, they have improperly reported debt amounts, stating a balance of approximately {$12000.00}, while the actual amount owed is approximately {$9000.00}. Additionally, I request documentation of the sale, such as a 1099 form issued to the consumer. It is imperative that accurate and up-to-date credit reporting remarks are provided, addressing false addresses and identity theft concerns, and ceasing their active participation in fraudulent activities.

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 2022-03-08
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XX/XX/2021 I called equifax about these unauthorized inquiries and customer service would not help and take care of the negative inquiries reporting to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/2021, I filed a dispute in regards to the inaccurate items on my report & I haven't received any results. 
There has been unauthorized inquiries, and unverifiable accounts reporting on XXXX Transunion and on my XXXX  report. My letters seem to have been disregarded because I havent reviewed results or proof.

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 2023-05-19
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
( 1 ). In response to Carrington responding that they can not respond because an individual is on the complaint, which is another delay tactic several individuals have been on calls to the company and communicated regarding the mortgage payments increase and this is their continued attempt to delay responding. So, there is no more delay only the mortgage holder is on the complaint! I have uploaded an authorization for my daughter XXXX XXXX who has always assisted with any communication. 
( 2 ). I am requesting a complete audit showing how a 4 % fixed mortgage with a senior citizen exemption comes up to {$1700.00} monthly ( current balance is {$150000.00} ) ( 3 ). I am asking that the Mortgage company justify an increase of the mortgage from {$1300.00} to {$1700.00} monthly the property taxes and HO Insurance did not increase by nearly 30 % ( 4 ). It is the contention that Carrington Mortgage is unjustly increasing customers mortgage payments to cover their shortages which is a result of their negligence and current lawsuit enforcement of which they are required to pay not their customers. The unjust increase in mortgage payments is unethical and illegal. 


Continued Complaint Carrington Mortgage is not making any attempt to assist their customers.

1. XXXX XXXX XXXX  no assistance all they did was forward complaint 2. TAX service no assistance all they did was talk in circles and provide conflicting information 3. Online/phone portal has multiple glitches and does not allow adjusted payments or enter in any response XXXX. When you do get a live person, they are not willing to assist you, they want you to pay your balance if not start threating foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have sent over 5 letters to XXXX, XXXX, and Transunion - according to my understanding of the FCRA. Credit reporting agencies can verify bankruptcies through 3rd parties ; yet, they seem to be allowed to get away with this on a regular basis. Not to mention the inaccuracies associated with bankruptcy reporting down to the name, courthouse name, balance, liabilities, and even docket numbers. All three of my credit reports show inconsistent information and inaccurate information. I contacted my local court and they told me - they do not verify bankruptcies with third parties. With that being said - this is a violation of the FCRA. The CRA must verify all information directly from the furnisher of that information and not a third-party. The courthouse has stated to me in writing they did not and was not the furnisher of this information to the credit reporting agencies.

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 2023-01-28
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
a credit card not paid almost 5 years ago, now part of my salary was garnishment. I can't pay that amount. I am a single mother, my job is to support my children

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: EOS Holdings, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I asked them to stop call told them my brother was XXXX and I did not give authorization for them to contact me and at least 3 to four times a month they call me ... I say the same thing this is not his number and he is in XXXX please take my number off the list and stop call.. I asked for company name and info and they refuse to give it to me ... XXXX ( XXXX ) XXXX EOS. They are rude and wake me up too often not to even be my bill collector ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went into a branch located at XXXX XXXX XXXX XXXX NY to simply move funds out of my HSBC Savings Account. GIven the sum of the withdrawal I requested a bank check. After 45 minutes of physically being in the branch and speaking to the floor manager who had been speaking with somebody over email ( not sure why not over a phone call ) the bank check was finally approved. They could not print the bank check though because their printer was inoperable. I asked for them to write a check since a broken printer could not simply render a banking institution inoperable. They told me this was not possible. I asked for cash, this was also not possible. I was told by my banking relationship manager ( XXXX XXXX tel XXXX ) that I could go to another branch, come back when this current branch 's printer was working, or they could mail me a check. This is an unacceptable outcome after waiting in the branch for 45 minutes. How can a banking institution not allow a customer to withdraw funds?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The credit bureau is in violation of the FCRA. In accordance with the FCRA the collection agency must report the original date of delinquency and this date is not allowed to change by law. In a effort to re age the account the collection agency has changed the original date of delinquency to XX/XX/2012  which inaccurate. The original date of delinquency was prior to that. The collection agency has failed to provide myself or any other entity with documentation showing the original date of delinquency. They have also failed to provide any record of payments on this account. Since no payment was made on this account the original date of delinquency would be 30 days from the date the account was first registered. If we use the logic that the date of delinquency was in fact XX/XX/2012 XXXX must provide proof that the first delinquency was XX/XX/2012 and it was only 30 days late. I demand that a someone from the credit bureau investigated my credit file. XXXX is stating the account is accurate but by their own logic this debt is not valid.

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 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 pulled my credit report and noticed unauthorized inquiries which were not initiated by me. 

I have not authorized any person to add anything to my consumer report. 

XXXX XXXX on XX/XX/2022 XXXX XXXX XX/XX/2022

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 2023-01-28
Company: Block, Inc.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 both my cash app visa debit card and my phone were stolen. I immediately reported my card as stolen and requested a new one. The next day when the charges were no longer pending, i disputed them. There were a bunch for XXXX play and XXXX XXXX XXXX Less than XXXX XXXX  later cash app decided that these charges were not fraudulent. When I asked for documentation they used to determine that I was not given actual documentation. After stalling and delaying I was given a letter from a dispute representative with 1 transaction typed out as " card not present ''. Yeah because they used my stolen phone and card information! It is XXXX XXXX  that cash app does not follow visa cards dispute policy or any legal policy put into place. They also refuse to allow any appeal of this decision, even though it was clear they investigated nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: Genesis FS Card Services, Inc.
State: MD
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:
XXXXXXXX XXXX card recently sent me a bill after my account has been closed with them via a legal means. I submitted a dispute to XXXX card and which XXXX of representative responded that the trade line has been removed. Its been over a month and XXXX  seem to not remove the item but rather when I submit a dispute to show the account has already been deleted. XXXX card service keep verifying a trade line that they said has been deleted which is false representation. Kindly attend this matter as matter of urgency as the account is still on my credit report and hurting it even more. Attached is documents which stated our previous conversation with XXXX and how untrust they can be. Delete this account as stated in our previous dispute via CFPB. Please provide document of deletion to make sure it was confirmed to be deleted!

Company response to consumer: Closed with explanation