BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-15
Company: Consumer Portfolio Services, Inc.
State: IL
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 ( XXXX  ) XX/XX/2022 I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX ( XXXX ) XX/XX/2022 I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX XXXX XXXX XXXX ( XXXX  ) XX/XX/2022 I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX XXXX  ( XXXX  ) XX/XX/2022 XXXX  XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX XXXX XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I purchased from a merchant online. I didnt receive a confirmation email of the order. The sales tax wasnt added to the total.The phone number is fraudulent on the website Cashapp will not reverse the payment in fact they made me wait until the transaction was no longer in pending status to say theres nothing that can be done. 
Th merchant is https : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XXXX XXXX at XXXX CST time, A representative by the name of XXXX Id # XXXX from Hunter Warfield called me about a debt I owed. First all she asked was if I was the customer and without verifying other information such as my address to make sure she was speaking to the correct party she directly disclosed my debt information. After asking me if I will be able to pay the debt all I said was thank you for calling and the representative stated '' I did n't ask you to thank me I am asking when will you pay this debt '' then she begins to talk with an attitude stating that If I was a mature person I would pay the debt back and then she asks me " how old I was '' and that 's when I asked for the manager but the manager did n't do much the resolve the issue.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: Frost-Arnett Company
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX : I had a visit with doctor at XXXX in XXXX, Virginia. XXXX did not file a claim with insurance. Because I temporarily had my mail forwarded, XXXX sent the debt to collections. XXXX made no attempt to contact me. I was unable to access the XXXX 's online portal -- this may have been because XXXX was updating or changing its online portal system. 

XX/XX/XXXX : I first learn about the outstanding debt and immediately pay {$250.00} immediately. Because XXXX never filed a claim with my insurance company, the amount paid exceeded what I owed. XXXX now files a claim with my insurance company. I expect to be refunded my excess payment. I learn that after insurance I should only owe {$100.00}. See attached. XXXX tells me this will take several weeks. 

XX/XX/XXXX : XXXX informs me that the debt is no longer in collections. 

XX/XX/XXXX : XXXX processes insurance, but bills me twice for the same visit. 

XX/XX/XXXX : I receive a letter informing me that this debt is in collections. I still have no been refunded my excess payment. I file a complaint with the CFPB. I am looking into filing complaints with other state and federal agencies too.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: EQUIFAX, 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:
I reviewed my consumer report and noticed late payments reporting for XXXX XXXX XXXX XXXX XXXX XXXX. These are in violation of of the law and are inaccurate and I demand these accounts be deleted and permanently removed from my consumer report immediately. According to 15 USC 1681 ( 2 ) A ( I ) which states ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Also my right to privacy under 15 USC 6802 which states ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. and finally under 15 USC 1666b stating A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: EQUIFAX, INC.
State: NJ
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:
Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Commercial Acceptance Company
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Filed with XXXX XXXX for inaccuraties on XX/XX/XXXX, XXXX Filed for debt validation on XX/XX/XXXX, XX/XX/XXXX with COMMERCIAL ACCEPTANCE COMPANY for the amount of XXXX which is incorrect. COMMERCIAL ACCEPTANCE COMPANY failed to show me proof of validity of orignal contract with a wet signature. Also COMMERCIAL ACCEPTANCE COMPANY failed to show me the contract with them specificaly they have violated my rights under 15 USC 1692g and reported to XXXX AND XXXX who reported it on my credit file violating my rights under 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Hello, On XXXX XXXX I withdrew XXXX euros from my Coinbase account to my bank account using my credit card. On XXXX XXXX Coinbase accessed my bank account without authorization and stole those XXXX euros back to I-don't-know-where. The money is neither in my bank account nor my Coinbase account. I have sent like 20 messages to them and have no answer yet. Their phone number allows me only to solve account problems by talking to a machine. No human beings at all. I'm from XXXX and I feel totally XXXX since I'm afraid they have stolen my money, which I will never see again. 
XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: Bread Financial Holdings, Inc.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The credit card company XXXX XXXX keeps contacting my family which is ILLEGAL. I understand my debt is not paid. But repeated phone calls, about 30 a day  and repeated phone calls to family members. If comenity bank keeps contacting anyone but myself I will take them to court and sue for illegal activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-03
Company: Experian Information Solutions Inc.
State: MS
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: Problem with personal statement of dispute

Complaint:
I contacted Experian by mail with dispute/methods of verification letters asking them verify/validate a collection deb they say is accurate on my credit report with XXXX XXXX XXXX XXXX on XX/XX/2021. In return, they sent me a copy of my credit report with no documentation supporting their methods of verification of how this account is mine. Also, they sent an email stating this account is mine and accurate. Experian sent no contact information of who they spoke with at XXXX XXXX XXXX XXXX and did not give supporting contracts with this company. I am continuing to dispute XXXX XXXX XXXX and Experian because they both are continuing to report this account as open and accurate on my credit report without any justification and my legal rights to obtain all of their supporting documentation that legal indicate this account is mine.

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 2020-10-22
Company: Dovenmuehle Mortgage, Inc.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Dovenmuehle Mortgage , Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX To Whom it may concern : I do not agree to paperless communications for any of these loan information. All documents and other communications shall be sent by my mailing address and my email address. Please do not collect, use and disclose any of my personal and loan information to anyone.

Please mail or email all of these mortgage statements from 2016 to present and future statements. All correspondences shall be sent to my mailing address and email address. 

thank you, XXXX XXXX This is the letter I sent to Dovenmuehle Mortgage , Inc last month and have not received any response nor documents from them regarding this request. I would like all my mortgage statements ( past, present and future ) to
be sent to my mailing address, immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: GUARANTEED RATE INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Lender has not removed PMI from my loan. I have perfect loan payment history and a good credit score. I have also made 3 additional principal payments to Guaranteed rate that put my XXXX at 75 %. I requested my Lender ( Guarenteed Rate ) remove my PMI under the Homeowners Protection Act ( HPA ) as my loan reached XXXX of 78 % in XX/XX/2023. My monthly mortgage still includes PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: ALLY FINANCIAL INC.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have an auto loan with Ally Financial that, per contract, is due on the XXXX of each month. The XX/XX/XXXX payment was made on XX/XX/XXXX Although XXXX is a short month, this is still only 29 days past the due date of XX/XX/XXXX XXXX. Nevertheless, Ally reported me as being 30 days past the due date. The Credit Reporting Resource Guide ( used by all XXXX CRAs ), FCRA, and FCBA clearly defines a reportable 30-day late as being at least 30 days past the billing due date. 
" While a payment is late if not received by the billing due date, it does not become a reportable 30-day late until at least 30 days past the billing due date. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: ZARVAD III S.A.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I had them change the date of withdrawals to coincide with my paydays and they charged me an extra {$150.00} and added that to my payment I have already paid this company over {$2000.00} for a small loan. Now the agreement they send me is an out of the country bank who I believe are a fraud in fact 1st page undercpayment schedule interest rate is over 800 % and says if you pay off early you still apy full fiannace charge. 
How is this legal I have asked XXXX multiple times to stop withdrawals from my acct and they wont as company makes remote checks. 
I think they need to be reported to FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TOTAL MORTGAGE SERVICES LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We contacted XXXX XXXX  XXXX XXXX # XXXX back in XX/XX/XXXX to get a mortgage loan for the house. The loan number is XXXX. 
- Their office manager XXXX XXXX orally and wrote in multiple emails confirming that our rate was locked at 5.125 % with no point on XX/XX/XXXX, but he actually locked us at 5.5 % with XXXX point and sneaked this in the agreement without telling us in advance until we read the agreement and noticed this after a few days. We negotiated with him, and he promised to ask for the discount to get us to the 5.5 % without any point before the closing. 
- On XX/XX/XXXX, they vetted all of my income and offered me the commitment letter. I asked him about that XXXX point he promised to remove, but he told me to send him more clients and then he can help me with that. Hes basically asking me to bribe him. 
- However, they suddenly came back to me on XX/XX/XXXX and said that my income doesnt qualify anymore and wanted to raise our rate to 5.99 % in the last minute without any valid information. At this point the rate already went up nationwide, and we missed the window to get a good rate as 5.5 % because of the fraud they committed to change the rate after they locked it. 
- We didnt have enough cash to buy the XXXX point to lower it from 5.99 % to 5.5 %, and our closing date is on XX/XX/XXXX in two weeks, so we had to go with 5.99 % interest with another lender because XXXX XXXX XXXX committing fraud and we dont trust them anymore, and we dont have the {$5700.00} cash to buy the point from 5.99 % to 5.5 % at this point. 
- We reached out to their XXXX XXXX XXXX, but he only refunded the appraisal fee we paid to them, and refused to pay the {$5700.00} to cover our financial loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: Experian Information Solutions Inc.
State: LA
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:
The accounts have been reported delinquent on my credit report but none of the 3 reports are consistent. The account are on a payment plan for 5 years are paid but still being reported late by XXXX XXXX XXXX XXXX  then a couple is reported charge off but still taking my payment. Medical bills that were paid by XXXX XXXX and bills that I have no knowledge of.

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 2022-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2021-04-30
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
Basically someone stole my identity to get my credit card, The thief called in and cancelled my credit card as lost or stolen and requested a new credit card to another address that I don't even live or have lived. 

Macy 's had called me ( for security reasons ) and told me someone was calling on my behalf I also remember exactly telling them that no one should have called on my behalf and I haven't called them and clearly told them to stop communicating with someone else or from another phone number then they continued working with the thief and he or she got my credit card since he or she cancelled mine and requested another one to another address, Also when I called Macy 's and I wanted to check where they sent the new credit card to they told me that for security reasons they could not tell me that type of information all that I got was that it was to a apartment B address, The thing is that I have never lived on a apartment B address, Also they had a copy of an ID that started with a C but my ID starts with an A. 

I've tried everything to get this taken care of by trying from calls to disputes and complains and they're still supposedly proving this to be mine for some reason and not only does XXXX XXXX XXXX XXXX the collection agency ) want to charge me {$2600.00} Dollars but they are also reflecting on my credit report and its affecting me on my credit report and score. 

If they do not take any further action and fix their mistake I will sue both companies.

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 2023-07-17
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I never received my bill for XX/XX/2023 statement for {$480.00}. I was charged an interest of {$94.00} on the statement amount. I pay the bill on time every month. I asked the agent on XX/XX/2023 to mail me a paper copy of my statement and she refused. Only when I said that I was filing a complaint with the government did she say she would send me a paper copy but I don't believe her since I asked for a paper copy at least 3 times before that and she refused. I also asked for her to remove the interest payment since I make my payments every month and that amount was excessive and she refused. I am asking for the interest amount of {$94.00} to be removed from my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-09
Company: MONEY SOURCE, INC., THE
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is a continuation of XXXX # : XXXX COMPLAINT ID XXXX XXXX TMS  wrote me claiming claiming that they resolved part of the problem they caused but is still trying to stick me with the XXXX XX/XX/2022. 

Meanwhile when myself and the insurance agent called TMS, there representative discovered and informed us that they were sending the payment to a different property address. As a result, they didnt make the payment for the right address hence the lapse. 

TMS is trying to falsely make me responsible for their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have been reaching out to Barclays for some time already and inquiring about my XXXX miles promotional offer by completing the following terms 1. Pay annual fee of {$89.00} 2. Spending {$3000.00} in 90 days. My statement closes every XXXX of every month, today is the XXXX and my promotional offer of XXXX miles has not posted yet to my Miles & More account. I call Barclays and all I get are transferring of calls and the run around. I need straight to the point, accurate and clear answers.

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