BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-05
Company: AMERISAVE MORTGAGE CORPORATION
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I entered into lending agreement with Amerisave in XX/XX/XXXX for a mortgage on a single-family residence in Washington XXXX All documents requested were provided and the loan moved into the final underwriting stages in late XX/XX/XXXX. On XX/XX/XXXX, I was provided closing disclosure documents ( attached ) for a mortgage nearing approval. Included in that document was a credit for {$13000.00} ( section L6 on the signed document attachment and closing disclosure ). On XX/XX/XXXX, I was notified that my loan application was approved and was provided a final closing disclosure which contained the same credit and contained a final dollar amount needed to close the loan. On XX/XX/XXXX, I proceeded to sign documents to close on the loan, assuming the accuracy of all documents provided up to that point in good faith. All documents for the mortgage were signed on XX/XX/XXXX and the sale was agreed to with the dollar amounts matching those provided to me previously. 

On XX/XX/XXXX, I received an email from the title company stating that the final closing disclosures, as provided to me on XX/XX/XXXX, XXXX, and at the loan signing on XX/XX/XXXX were incorrect and that I had incorrectly received a lender credit. The title company stated that the lender refused to settle the loan until I paid the outstanding amount of the credit in the amount of {$13000.00}. At no time did anyone from Amerisave reach out to notify me of their error. I attempted to contact them multiple times, as did my real estate agent. They refused to do anything and warned me that by not paying that amount, I could potentially be in default and lose the deposit I had put down. Despite my objections, I paid the amount demanded in order to close on the loan so as not to be in default and lose my deposit.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: Bread Financial 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: Account information incorrect

Complaint:
I have contacted Commenity Bank concerning my Victoria secret and XXXX XXXX account I opened in XXXX, that went into delinquent in XXXX. I have requested them to email me all the payment records and information on whom the sold the account to. I have been given inaccurate information and will like for the Fair Credit to investigate this matter. My credit report states that I made payments in XXXX in which was false. I lost my job in XXXX and was unable to pay my credit cards and car note. I stop paying both credit cards in XX/XX/XXXX. I was told by Commenity Bank my accounts was sold to XXXX XXXX, but when I contacted XXXX XXXX  they was unable to locate me in the system. XXXX XXXX attempted to use my social security number but still was unable to find me in there system. I called Commenity Bank back and explained what the representative told me from XXXX and still got the same information again. Commenity bank does not provide accurate information to consumers and is not following the guidelines of CFPB. Commenity is selling consumers information to unknown companies and risking identity theft to people like myself. On my credit report Commenity Bank does not have a phone number, I had to XXXX this address to call them. This is company is fraud and if I dont receive the information I need, my next step is to get a law suit in place. I should have a option to know where my information went and be able to have the option to settle the debt. 
Contact info Address XXXX XXXX XXXX XXXX, OH XXXX Phone number None provided - Comments Transferred to another lender Purchased by another lender

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violaon not reporng 100 accurate XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violaon not reporng 100 accurate XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once

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 2023-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, CAPITAL ONE used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. CAPITAL ONE reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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.

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 2023-06-07
Company: Resurgent Capital Services L.P.
State: CT
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:
I paid a collection account IN FULL with RESURGENT ( For XXXX ) on XX/XX/XXXX. ( I have documentation ) On my credit reports in early XXXX, it was reported by XXXX as a COLLECTION with a XXXX balance. 

Just recently ( this week ) my credit was pulled as I am looking to buy a house and qualify for grant funds. 

I was advised that XXXX has updated my credit report with all three bureaus to reflect " CHARGEOFF '' - which is incorrect. 

My scores are suffering due to this and I am unable to qualify for grant funds or a conventional mortgage. 

XXXX does not have a working telephone number to get this resolved. There's a recording when you call their number ( XXXX ) XXXX to write to an address in XXXX. XXXX, MN. 

I am unsure if this will get resolved. I absolutely need this corrected ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refinance in XX/XX/2020, the process appeared to be fine starting with XXXX XXXX and XXXX XXXX. I paid for an appraisal, place was appraised at double the loan amount. They quoted me 45 days. They asked for the same documentation numerous times, I guess I didnt see this as a red flag for their inability to stay organized. They stopped returning calls, but when I would be able to get a hold of my loan processor, she would tell me we are almost there to the finish line. They would ask for new payoff statements since their deadline was passed, new bank statements, etc. 
Two and a half months into it I was able to speak with the loan processors manager, XXXX XXXX. He assured me everything would be resolved. My debt to income needed to be adjusted, I paid off a credit card in the amount of {$9000.00}. 
They asked me to get a letter from the credit card company showing this was completed. The underwriters confused where I am living with the property being refinanced. They could not understand the addresses were different. Letter after letter of explanation and Another three weeks went by with calling them daily. Sometimes not even a return of a call but an auto generated email, is everything okay we see youve called. Had numerous conversations with XXXX XXXX, where he apologized for all the lack of communication within his team and he assured me he would make this right and he would be In communication with me. None of which occurred. Waiting so long The rate expired, XX/XX/XXXX I received a call 90 days into the process saying they would not be able to move forward, no clear answers, unable to understand what happened in the 90 days of time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: Block, Inc.
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/XXXX XXXX XXXX  I attempted to pay a bill from my cash app account in which I had loaded cash on a few days prior And I get this message after I was unable to complete the bill pay to internet provider that I had violated there terms of service. They allowed me to transfer my money and set up a new card to transfer the {$39.00} in the account so I could pay for work retaliated stuff. However they refuse to tell me why they closed my account and banned me for life. This is how I was sending money to my daughter is the main issue right now. They refuse to give me any information about how I violated there terms of use. But just their disclosure that tells me nothing because Ive done nothing wrong. If I had done something wrong. Dont I have some right if an explanation if only a miminmal one?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My block was unlocked owing to l suffer a fraud the bank is not helping me l got it as a XXXXXXXX XXXXXXXX  and as l am not in US they dont give me real assistance or support at least that l go directly to the bank but l cant, l have call to all the numbers that they gave me and wait but they havent help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: Coinbase, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Coinbase rep moved {$19000.00} worth of XXXX out of my coinbase account and never got them back to my coinbase account. I called Coinbase 's customer service line, someone answered from company. I needed to update bank info on coinbase trying to buy more XXXX XXXX on coinbase ( I was not getting the micro deposits into new bank account ) the coinbase person who answered the phone ( I have proof I was on phone with coinbase for 37 minuets and I received a call back ) stated that my coinbase wallets and account was frozen and they Coinbase had to create new wallets and move XXXX coins ( XXXX, XXXX, XXXX, XXXX, XXXX various coin amounts in each coinbase wallet ) into said new coin wallets. I wrote down new wallet addresses and the coinbase rep then created new coinbase wallets and moved the holdings out of old coinbase wallet and created new coinbase wallets and transferred them. I was under the impression that my coins would stay in coinbase and when I looked at my balances all XXXX  coins from said holdings have disappeared in the amount of {$19000.00}. As a 100 % XXXX XXXX XXXX and new to coinbase I followed Coinbase 's lead on a problem with my account only to have them lose or steal them from me.. Coinbase mission statement, if you will, states they created this company for the new and un educated new investor who can be looked out for by coinbase so as of now they have no customer service or educational services. They set you up with this false narrative and then take your money and coins away from you.. .. 
So much for GOOD Faith financial business. This company is stealing money from LOTS of customers.. over 1400 complaints on missing money is what I've found so far

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-06-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I'm sorry, but how did Experian decide the law requiring them to provide a free credit report didn't apply to them? Tried to obtain all 3 agency reports through XXXX, no problem with the others, but Experian says " A condition exists that prevents experian from being ablke to accept your request at this time. To obtain your annual credit report, please mail your request to the address below using the annual credit report request form '' Problem is, no such form seems to exist. I even went to their website which immediately tries to get you signed up for the premium product, or if you dig and find the link about the annual free report, it dumps you back to the beginning of the XXXX website ... .another 20 minutes entering information for the same useless, circular message. I saved a screenshot showing date and time.

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 2022-02-27
Company: EQUIFAX, INC.
State: VA
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 have been writing to the credit reporting company for about a year now trying to get this XXXX XXXX account remove from my account as fraud. I have requested that they send me proof that this account is not fraud and as of today I still dont have antthing from they. I was this remove from my account. They removed the credit inquiry but not the account. I have disputed this with XXXX at least XXXX other times with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Key 2 Recovery, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Key 2 Recovery has repeatedly called me on my work number. From the number XXXX XXXX XXXX XXXX. At one point they were calling every day. I can't have my work line tied up with this type of call when it could interrupt customer support.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 714,719, I presume that no proof of the alleged debt, nor therefore, and such debt, in fact therefore exists. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-03
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a collections account in the amount of {$430.00} that is being reported by Midland Credit Management in error. 

Midland bought my account from XXXX XXXX  in XX/XX/XXXX. On XX/XX/XXXX, I wrote to XXXX and Midland asking for the date of delinquency because I believed the debt was to old to be reported on my credit file. Midland sent a letter, in XXXX, which I dont speak. However I was able to have the letter interpreted and was told that it stated an investigation was being conducted. 

I received two letters from XXXX XXXX dated XX/XX/XXXX. One letter stated that they contacted the credit agencies and asked for the trade line to be removed from my consumer credit report. The other letter from XXXX directed me to contact Midland for any questions. I tried to contact both via telephone to find out the status of my inquiry to no avail. 

I want to know what is the status of my inquiry to both XXXX and Midland and when will the incorrect trade line be removed from my credit report?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-03
Company: Bread Financial 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: Account status incorrect

Complaint:
XX/XX/XXXX : I called and requested the amount to pay off account with XXXX XXXX XXXX Account : XXXX. I was told {$69.00}. I made two payments of {$35.00} and {$33.00}, to have a XXXX  balance, according to an XXXX Customer Service Credit Representative. I am trying to secure a mortgage loan. So, I called to get the address to submit a Goodwill Adjustment letter for removal of late pays : XX/XX/XXXX and XX/XX/XXXX due to an injury and XXXX impacting my work status. I was informed of a {$30.00} past due amount that I was unaware of. 

XX/XX/XXXX : {$2.00} residual interest XX/XX/XXXX : {$2.00} late fee, {$2.00} interest charge XX/XX/XXXX : {$6.00} late fee, {$2.00} interest charge XX/XX/XXXX : {$14.00} late fee, {$2.00} interest charge. 

I was told that I needed to pay {$30.00} by the end of the day on XX/XX/XXXX. As of today, my balance is + {$0.00}. Apparently, I was mislead again with the amount due for pay off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
Good morning i have been sending to the 3 credit bureaus dispute letters since XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX about the inaccuracy and incomplete of the accounts they are reporting. i do have proof that i been sending letters. I have been trying to make sure they correct and delete the inaccurate accounts but they have not even update or send me any correct information.

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 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX A Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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