BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am a victim of financial fraud. In XX/XX/2021, a checking account was opened under my name and social security number at a bank that I do not have any financial relationship with. I discovered this when introductory checks were sent to my home address for the account which I did not open. I took all the time-consuming recommended steps to address this issue, including filing a police report, opening an FTC identity theft report and following all instructions, obtaining an affidavit from the bank where the fraudulent account was opened, gathering documents, and going through the steps to have an extended fraud alert placed on my file with one of the credit bureaus. 

I supplied XXXX with all the requested documentation and XXXX placed an extended fraud alert on my file. Although this should be adequate to have an extended fraud alert placed on my credit reports with other credit bureaus, Equifax says they have not placed a fraud alert on my file and I have no idea if XXXX has or not. 

Equifax says they do not have a fraud alert on my file and I have been told by an Equifax representative that Equifax has no record of a fraud alert notification for me. 

I do not know if XXXX has a fraud alert on my file. I was unable to overcome XXXX 's IVR system that blocks consumers from speaking with a live person so I have been unable to inquire if XXXX has placed a fraud alert on my file or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
I have XXXX credit line on my Capital One Savor card. I made a payment that was process on XX/XX/XXXX. It is now XX/XX/XXXX and i still do not have the available credit reflecting $ 500+ that was that was recently paid via deduction out of my bank account 4 days prior. I called the company and rep XXXX said we need to confirm with the bank the are close. I pleaded that all my accounts are in good standings. O balances never had a late payment or a rejected payment. Ive been a cutomer for over 6 years so why is there a hold on my account. All i get is " because its a new card '' my 5th capitla one cpital one card btw. I said you guys process the payment on your end as well. Why is my available credit on hold? Asked to speak with a manager -- XXXX XXXX Have no idea what customer service is all about. I want to cancel all of my credit cards with them over this. If i csnt get my available credit today im cancelling all services with Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: Self Financial Inc.
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have my account set up on auto draft, and they have been taking my payment out every month, but for some reason auto pay was taking off in the system and it cause it to be 30 days late and i wasn't notified at all whats so ever. Which caused my credit score to drop 50 points, causeing me to be in a real financial bind. I'm in a process of starting a business, but because of that one late payment its going to be rough. I've made 9 on time payments with this company

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
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:
All 3 credit reporting agencies, XXXX, TransUnion and XXXX are showing 2 mortgages fro me when we only have one. We refinanced in XXXX, XXXX XXXX XXXX  was the first mortgage holder but them immediately transferred it to XXXX XXXX. The balance was approximately {$310000.00}. So the agencies are reporting 2 mortgages which though we are rated Exceptional still on credit worthiness, i has knocked my score down based on comments on their websites. I mean why to these companies get to charge for incorrect information. We would be better off with 1 that actually was corrrect 95 % of the time.The information is currently incorrect on each reporting service.

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 2019-08-25
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hi, I did not receive statements from my Citibank credit card for the months of XX/XX/XXXX &  XX/XX/XXXX. As a result, I was unaware I had a balance on the credit card. As a result I was charged {$60.00} in late fees & {$6.00} interest. 

I never signed up for paperless statements. The bank is claiming I did sigh up for paperless statements. I would never do this. I am not sure if I would have to opt-out of this. 

I fell as though I have been cheated by Citibank. The 1st electronic statement I did receive was on XX/XX/XXXX, in my email. 

When I called the bank to complain about these late fees, they refused to waive the fees. 

I am sure I am not the only person being cheated by Citibank.

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 2018-07-02
Company: Siwell Inc
State: VI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I suffered damage to my home from Hurricane Maria on XX/XX/2018. I received a settlement check from my insurance company which I sent to the Mortgage company ( Capital Mortgage Services of Texas , Inc. ) since they had to endorse it. I have a contractor fixing my house now, but I could not obtain a contractor immediately due to their current work load. They started work on XX/XX/XXXX. 

Between the time of XX/XX/XXXX and XX/XX/XXXX I had to undertake a few repairs myself, such as demoing hazards from my damaged roof and patio deck. My contractor had already quoted a price for this, but its no longer necessary to do some of that work, since it has already been repaired. We removed the work from the contractor 's contract that had already been done. 

I asked my mortgage company what happens to the surplus money since insurance had already paid for these repairs. They said that they could not return any surplus funds to me and that it had to go to pay towards the balance of the loan. I am in good standing, and never missed a payment. It was my understanding that they could only collect on insurance claims if you are not in good standing. They also stated that they can not pay home-owners for self performing work. 

Additionally, they will not issue disbursements to me without first getting an inspection. They are automatically deducting {$120.00} from my escrow account for each inspection. The paperwork I signed said that inspections may be required and would cost between {$25.00} and {$50.00}. They are calling for the inspections and then taking money from my insurance settlement to pay for them, which seems unscrupulous.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have an XXXX Checking account with 5/3 Bank. This account does not allow overdrafts, nor will it charge overdraft fees. On XX/XX/2018, 5/3 Bank allowed 2 different companies to debit my account totaling {$1400.00}, when there were no funds in the account at all. To top it off, I have nothing to do with either company that charged me, and the transactions are fraudulant. 5/3 Bank PAID all 3 transactions, even though there isn't overdraft coverage, and they game me a hard time filing a dispute with them to get my funds back. 

I requested that they give me my funds back and file a dispute, and they gave me a hard time. I am having to travel due to a family illness and needing to take care of a family member over 800 miles away and can not until I get my funds back. It is possible that I not get to see this family member before they pass as 5/3 Bank has refused to expedite me getting a " provisional credit '' back for those funds, and advised me they can not give me a timeframe for if and/or when I will see my money again. I contacted the Office of the President, who then advised me it could still take DAYS to get my money back and that they can not control how slow/fast other departments work. 

No one at 5/3 Bank can advise me why they PAID transactions without funds being present in the account, especially since there isn't overdraft protection on my account. Even if I wanted to add that coverage, I can not as the specific account I have DOES NOT ALLOW OVERDRAFT COVERAGE. They LITERALLY gave my money away when they weren't supposed to and threw a fit with me when I wanted to dispute the transactions. Now, I may never get to see my family member alive again because they did this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: Square Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX i called tec. support for some help my question was how do i put cash coming in on my cash app card instead of it going to my checking account. The person i got on the phone useing a number i got online for cash app tech. support said he was cash app support and he could help me with doing that so we went thru process of him making it possible for money received to go to my cask app card sent by cash app. Well i got concerned because the process was taken to long for some thing i thought should be simple to do. He got into my cash app account and i could see him sending money to a XXXX XXXX XXXX XXXX cash app $ XXXX. after seeing this i hung up the phone, then i get a e mail from cash app saying they have detected unauthorized activity and they locked my account to protect my funds then i get message that they have refunded me the XXXX and unlocked my account and that i was good to go this was on the XXXX XXXX. So i try to go to my cash app account and i can not get my account has been unlinked is the message that i get, I have been calling cash app and i have not been able to talk to no one and my money has not been returned to my account i worked for that money and i want it back asap and i want my account back. I called tech. support from a number i got off line for cash app and the number is still on line as tech support for cash app XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
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 ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRA. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Experian Information Solutions Inc.
State: NC
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:
This account is closed ; they have sent me the title. I have already received the tax form to claim this as additional income. This account should be removed from my credit file with Experian. It is only reporting to Experian ; not the other credit bureaus.

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 2020-08-25
Company: First Technology Federal Credit Union
State: MI
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 an account with First Tech Credit Union., In XXXX  2020 First Tech Credit Union reported a 30 day late payment on my credit card account. 
The XX/XX/2020 Late Payment is incorrect as I have this account set up on Auto Pay. I have contacted First Tech by mail, and by phone, They have not corrected the late payment, and this late payment is causing me problems in refinancing my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: Ability Recovery Services, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
upon checking my credit report i realized there is a collection agent trying to collect a debt that i have no knowledge of i have never signed a contract with them nor have i entered any electronic signature with them nor any of there affiliates

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 2018-03-13
Company: Leading Edge Recovery Solutions, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For the past 6 months at least, with the most recent coming this morning ( XX/XX/2018 ), we have been plagued with calls from XXXX XXXX XXXX. I DO NOT answer calls from unknown numbers, & we are, or should still be, on the NO CALL list. The Caller ID simply showed " Leading Edge '', but no further info. I googled that, with no satisfaction as to who or what Leading Edge is. NO MESSAGES on our answering machine were ever left previously. We chalked these up to nuisance calls. However, this morning a message WAS left. We did not get the complete company name, but XXXX XXXX XXXX is close. We could make out the XXXX XXXX. 
WE WANT THESE CALLS STOPPED!!!!! We believe this company is off-shore as well as bogus. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: On-Site Manager, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I applied for an apartment on XX/XX/XXXX. I denied the due to an eviction. The eviction was filed in my bankruptcy case XXXX. There no public records about the eviction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  and Transunion should not be reporting me as an authorized user on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-08-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My Mortgage has been transferred 4 times, the original mortgage was with XXXX. The current service provider is Select Portfolio Servicing. In checking my credit report over the last 19 months that I have been with this company, they have not posted my payments. My loan has not been late with them nor the other service companies. The credit bureaus listed payments ; however SPS says they will not report to the bureau my payments because I filed bankruptcy in 2010. However, I did not file bankruptcy against my home. I have talked to many people over the phone and all state that I have to reaffirm the home. My response is I did not file bankruptcy against my home. They instructed that I would have to get an attorney. Please advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: Experian Information Solutions 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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much XXXX which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX   XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL 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 2020-08-25
Company: Bread Financial Holdings, Inc.
State: MA
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 have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
i just dont think its right that the credit companys are still showing my bankrupsy after after 7 years

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 2018-10-08
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
On or about XX/XX/2018 I requested Equifax to remove a previous address that was I no longer lived at that was exposed during Equifax data breach. I received the results of the above dispute and Equifax successfully deleted the previous address from my credit report. 

That same day I tried to submit another dispute but received an error stating that my personal information couldn't be verified and to send in additional documents to verify my identity. I did so by mail sending Equifax a copy of my ( Driver 's license, social security card, utility bill for my current address along with a additional document with my previous address. 

On or about XX/XX/XXXX I checked my Equifax credit report and noticed that Equifax had reinserted the previous address which had been previously deleted. That same day I submitted a request to have it removed again via a customer service representative via phone. 

On or about XX/XX/2018 I received a dispute completed email regarding the removal of my previous address. The results stated that the address couldn't be removed due to previous documents I sent to Equifax previously!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-01
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief