BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-27
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Dear CFPB, In XX/XX/XXXX, we began closing any credit lines ( store ) that we did not need as we were purchasing a new home. 

We called Comenity Bank/XXXX to close the account. 

We asked for full balance to close the account. 

We made payment on XXXX-PAYMENT - THANK YOU -- {$420.00}. 

We paid the full balance above and requested the account be " closed ''. 

XXXX assessed a late payment in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX along with late fees charges and amounts. 

We called XXXX. They apologized and issued a letter on XX/XX/XXXX stating my account was current and there should be no late fees reflected on my account or credit agencies. See below. 

Nonetheless, my credit score has dropped 50 points right before we were buying a home and it significantly impacted our ability to buy the house via credit bureaus We lost the opportunity to buy the house. I am so upset and frustrated and want to report the behavior of this creditor and feel they owe me compensation for losing the house, ruining my credit history/score and taking significant time away from my job & career to fix this problem which is still showing as " late '' in the three bureaus -- Commenity Bank/JXXXX. What else can I do to fix my credit and file a complaint against this Bank. It is not fair and I do not have an power to fix this problem. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Page 1 of 2 Send Correspondence To Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX All Bankruptcy Notices/Related Correspondence To XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX Account Ending In : Dear XXXX, This letter contains important information regarding your J Crew credit card. Comenity Bank issues your XXXX XXXX credit card and we handle all account-related requests. 
We understand there was a concern regarding your credit report, which reflected a delinquency in the month of XX/XX/XXXX on your XXXX XXXX account. 
To address the concern, we have updated our records to show this particular month as current. We have notified the credit reporting agencies of the update that needs to be made to your credit report. Balances are subject to change and any updates will reflect on your credit report within 30-45 days. 
We value you as a customer and apologize for any inconvenience this may have caused. 
If you have further questions about your account, please contact the XXXX XXXX team, toll free, at XXXX ( TDD/TTY : XXXX ). We will be happy to help you. 
Sincerely, Customer Care team

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Today is X/XX/17 and I have tried for the past three days to freeze my credit with all three credit reporting agencies. With all three I get a screen that says try again another time. I tried calling and got essentially the same answer.

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 2018-04-06
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
For 6 months, since XX/XX/2017, I have been trying to recover funds ( ~ $ 20k ) in my Coinbase account because of lost access to a secondary account email address ( I still have access to my main account email ). I originally filed a support ticket in XX/XX/2017 and have followed up with the support call center 8-10 times since then. Coinbase has never followed up with me regarding the issue, and has never even responded to a single email from me ( I have been assured that the email address is monitored by staff ), and I am only ever able to receive feedback when I call the support call center, which I am told that I am in a queue and there is nothing further that the support team can do for me. I am desperate for progress on this issue and Coinbase seems unable or unwilling to help. Please help me in dealing with this company, I do not know what else to do. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage is with Ameriahome mortgage # XXXX, The XX/XX/2020 mortgage payment was mailed on XX/XX/XXXX and cleared my account on XX/XX/XXXX. Another company cashed the check .... XXXX XXXX cashed the check and and deposited it with XXXX XXXX. I have reached out to Americahome mortgage in writing and via telephone and they have not addressed the issue. I believe that someone in the mail room may have stolen the check. We are in the process of purchasing another home and because the XXXX mortgage payment is being reported late we are being denied approval. Our current home has sold and unless this is removed we will have no palace to live. I understand that XXXX  is the sub-servicer on our mortgage ... .please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My Venmo account was frozen on XX/XX/22 due to recent activity that appears to be a violation of our User Agreement. When I asked what recent activity agents did not provide an answer. Venmo emailed a link for me to upload my driver license to verify my identity, which I did. Within the app, it states my identity has been verified but when I tried using my debit card provided by Venmo, transferring the money in my account to my connected bank account as well as even trying to send someone my money, the transactions immediately get declined. I reached back out to support who only tells me to look out for an email and that this can take up to 3 weeks. I have XXXX access to the only money I have which is in this account. Venmo does not care that I cant but food on the table for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-02
Company: WELLS FARGO & COMPANY
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: Information belongs to someone else

Complaint:
I already reached out to the credit bureaus and to XXXX  CUSTOM for the account number XXXX notify them of their error posting for this account on my credit report. It does not complement what the Credit bureaus may claim as a " validated as accurate ''., and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the method of verification, actual proof, physical first hand documentation of the payment history and proof of last payment but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB.

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 2021-10-05
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:
5 USC 1605 defines a Finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash but, name of corporation, took cash. The finance charge is suppose to include insurance but these accounts made me purchase insurance separately. Also Account violated me under the FCRA 15 USC 1681. 
Consumer right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On X/XX/2017 I accessed Experian to obtain a free credit report in light of the XXXX data breach as my data was included in the hack. After providing the requested personal information and follwing the instructions to create an ID/password, I revieved my report and logged off. 

I then received an email welcoming me to the XXXX XXXX account. Nowhere was I presented with any information stating that I was signing up for a paying membership account. I have attempted to cancel the membership, but the language is so complicated that I have no idea what I canceled. All I know is that I can no longer pull current credit reports! 

This is a problem with all 3 credit monitoring services and should be stopped!

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 2020-05-26
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
on XX/XX/XXXX, I purchased a plane ticket from XXXX XXXX for my sister XXXX XXXX. She was scheduled to fly on XX/XX/XXXX. When Covid 19 hit, she called her physician to see if it was ok for her to fly. Since she is XXXX XXXX XXXX and has XXXX XXXX XXXX XXXX he advised her not to fly because she is high risk. The ticket was cancelled on XX/XX/XXXX via XXXX customer service and was advised a refund would be issued with a letter from the dr. A letter was sent to XXXX and Chase credit card for a refund. I received an email from XXXX showing a refund was completed on XXXX. I have sent several copies via email and fax to Chase but as of today I have not received the credit. The amount is {$260.00}. I have called 3 times and all I get is that I need to resubmit the dispute. It was submitted in XXXX, and XX/XX/1920, XXXX and faxed XXXX. They have a copy of the physicians letter and the email showing the refund approval from XXXX. I do not know where else to turn in getting this issue resolved. I would greatly appreciate any help you are able to provide with a resolution. Thank you for your kind consideration. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/XXXX asked Wells Fargo to remove acct as responsibility was xwifes. Filed previous complaint with CFPB. Findings were up to x-wife to refinance to remove name from loan # XXXX. 

My credit on XXXX  is still being destroyed by her debt remaining on my credit. I have no paperwork submitted to them debt was paid. Late payments were never removed. I found out through a conversation with a friend that she sold house. This is unfair to hold her past irresponsibility on my credit. Documents prove it is her debt. They already had the paperwork presented. This is vicious and unethical to continue to mar my credit. 

Please remove debt and its poor payment history from my credit. We divorced in XXXX. Debt was her responsibility.

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 2018-09-25
Company: Skopos Financial, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am trying to contact this company to correct some information on the credit status and information pertaining to the debt. they are unreachable XXXX XXXX XXXX XXXX XXXX other # XXXX neither is a good phone #, their fax just rings and rings. How can I resolve this issue if they are unreachable? and why so many law suits against them? I've been seeing so many Texas residents in a class act lawsuit against them. How am I suppose to pay this company and fix my credit if this all going on. why hasn't anyone done anything about this?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
For exactly a month now, Apple restricted my Apple credit card and I have not been able to make purchases using this card because they said my account is " under review ''. They said that someone would contact me to resolve the situation when the review is done, but they never did. When I tried calling back like every week ( latest was on XX/XX/XXXX ), Apple still told me the same thing ... to wait for a return call. I even verified any information about myself that the representatives asked over the phone. I told them that I have waited a whole month now to get my card back, and they refuse to give me my card back, saying I have to keep waiting. This is very unacceptable handling of a credit card. I want Apple to unrestrict my Apple card so I can use it again. I did nothing wrong, and they have done absolutely nothing to update me or make progress on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: Freedom Mortgage Company
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:
Freedom Mortgage incorrectly reported a 30-day late payment to the credit bureaus for XX/XX/XXXX payment for my primary residence FHA Loan # XXXX on my home at XXXX XXXX XXXX XXXX, XXXX, GA XXXX. I have contacted them SEVERAL times to have this corrected and to date the error has still not been fixed. As a result of this error, my credit score dropped 100 points and has caused me to be denied for my auto loan refinance due to this issue. I contacted Freedom Mortgage beginning on XX/XX/XXXX regarding this issue and numerous other times since then for over 30 days now. 

I finally received a letter from Freedom Mortgage dated XX/XX/XXXX stating they would retract this incorrect derogatory information with the credit bureaus. A copy of this letter is attached for reference. I had hoped this would take care of the issue, but it has not. 

I phoned Freedom Mortgage again on XX/XX/XXXX and was told by employee ID # XXXX ( " XXXX '' ) that they had submitted the information for the correction electronically on XX/XX/XXXX. I asked for proof of that electronic submission to be sent to me via email. I was told I would receive the information in 24-48 hours. I never received anything. 

On XX/XX/XXXX, I opened a formal dispute with XXXX to have this item corrected. The other two bureaus ( XXXX  and XXXX  ) do not show this incorrectly.

On XX/XX/XXXX, I called XXXX  ( who is the bureau reporting this incorrectly ) who claims this information was never submitted electronically or received by Freedom Mortgage on XX/XX/XXXX a
s claimed to have this correction/removal of derogatory information retracted as of this date. I spoke with XXXX and his supervisor, XXXX ( Employee ID # XXXX ). I was further told they would take 30, 60 or 90 days to fix it. 

That is unacceptable, as I am now incurring financial damages due to being denied an auto refinance loan because of this matter that has significantly affected my credit score. This is a clear violation of the FCRA law. 

This seems to be a blame game between XXXX and Freedom Mortgage and I am the victim caught in the middle incurring financial damages on a daily basis. Neither company is in any hurry to correct this major error. They are violating the law and need to be fined accordingly and made to correct this error immediately - not within the next 3 months when they get to it.

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 2019-08-28
Company: Allied Account Services, Inc.
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a private student loan from XXXX University XXXX XXXX XXXX that I defaulted on. The account was sent to Allied Account Services. Ive been paying the account but certain things were not explained clearly. They are charging interest plus Creditor added fees. I was told by allied that they could collect additional fees these fees were over {$1500.00} on a {$5800.00} debt. I dont think that the original balance reflected a payment that I made before the account was sent to collections. I do not know how they calculate these fees. In addition I am being charged Interest. The interest rate is supposed to be 5 %. My monthly bill does not always have an accurate interest amount stated. For example on XX/XX/XXXX the interest charged was {$1.00} on principal amount {$2700.00}. The creditors fees was {$11.00}. On XX/XX/XXXX the interest was {$220.00} principal amount was {$1800.00}. The creditors added fees was {$62.00}. Why is the interest and creditor fees going up? 

Heres another example : In XXXX XXXX the principal was {$5800.00} the interest charged was {$680.00}. Added creditor fees was {$1400.00}. In XX/XX/XXXX the principal was {$5500.00} interest {$21.00} creditor fees {$1000.00}. 

I requested information on how interest is calculated from Ms.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 2018-04-06
Company: EQUIFAX, INC.
State: SC
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 recently disputed TWO closed medical accounts that are on my Equifax credit report. I received my credit report now these TWO accounts are now FOUR accounts, the same accounts are reporting on my report twice. These accounts have been disputed and removed from other reporting agencies, how are Equifax results accurate? These accounts were also placed in collections, but Equifax still has them with the original creditor, their investigation is not accurate and the accounts need to be removed from my credit report. These accounts are the account numbers and opened on the same day, and same balance, come on CFPB help consumers with these simple costly mistakes. This clearly is a FCRA violation and can be a costly fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have numerous credit inquiries that I did not give consent to run my credit. Please remove them from my credit report. I have no knowledge of these inquires and no account attached to them. Transunion is stating that " inquiries are a factual record of file ''. How are these inquiries factual when the creditors have no account. These inquiuries are factual permissable purpose but inaccurate. I request for them to be deleted.

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 2018-10-10
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had a business account with American Express the account is only under my business and at no point did I file a personal guarantee. For the duration of the account it never appeared on my personal file at any time. I started having financial difficulties with the business and the credit card payments are now showing delinquent. Now they want to report a business account on my personal yet they NEVER REPORTED THE POSITIVE history at any point. I disputed with the bureaus to no avail, I also sent certified letters demanding they forward me the copy of the personal guarantee that would allow them to report on my personal file and they have not responded to either request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-27
Company: EQUIFAX, INC.
State: CT
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:
On XX/XX/2021 I sent a letter to each of the credit bureaus, XXXX, Equifax, and XXXX regarding inaccurate and unknown items on my credit report. As of this date, I have not received a response yet. I believe that I am being taken advantage of and ignored regarding my disputes. In Section 611 ( a ) it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been almost 60 days, XXXX days exactly. Therefore, the items should be deleted promptly. I demand these items and/or accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation