BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-06
Company: POPULAR BANK
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened up a XXXX XXXX XXXX ( or sometimes referred to as Banco Popular ) account. I made an opening deposit of {$25.00} of which was to be transferred by XXXX XXXX. On XXXX XXXX XXXX, I was told that XXXX XXXX rejected the {$25.00} ach transfer and that the XXXX XXXX XXXX account would be closed that night ( because it is their policy to automatically close accounts in which the initial funding has failed ). On the same day ( XXXX XXXX ) I transferred {$10000.00} from my XXXX XXXX account to my XXXX XXXX XXXX account. The funds arrived in my XXXX XXXX XXXX account on XXXX XXXX. Since then I have been told that the XXXX XXXX XXXX  account is in process of closing and that the {$10000.00} would be returned to the bank that the money originated from ( which was XXXX XXXX ). It has been 18 days since I was told that the Popular Community Bank account would be closed ( which was on XXXX XXXX ). They told me that they will not transfer the {$10000.00} back to XXXX XXXX until the account is closed. They have been holding my {$10000.00} hostage for 18 days now and simply take their time closing my account. I have called them 6 times and have been into their branch on XXXX XXXX XXXX in the XXXX NY and nothing has been done. Please take action in any way that you can.

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 2018-09-02
Company: Early Warning Services, LLC
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:
I had an account with XXXX XXXX XXXX for 6 months with my direct deposit from work going in every week for XXXX one day i deposit a check of my daughter supposed payroll for XXXX they gave me XXXX in advance available 3 days later they close my account because it was a fraudulent check they charge me the XXXX  out of my direct deposit that came that week and gave a check 3 weeks later for XXXX i don't care about the account being close with them they terrible what i care is they report me as fraud to XXXX XXXX and early warning and because of this i can't open another account this is not fair i paid them what it was own and that check wasn't mine it was from my daughter online employer i was doing her a favor where is the fraud there? Now all the banks think i do fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX accessed my credit file with Transunion, XXXX, AND XXXX without my permission. This are a fraudulent inquiries, which I did not authorize On XX/XX/XXXX XXXX XXXX sent a letter describing the action, and stating that they were asking the CRA to remove the hard inquiries from my report. 

As up to date, XXXX shows the 3 inquiries, and the Transunion and XXXX still show the XX/XX/XXXX. 

Since this is a violation, to the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making a goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above. XXXX  is neglecting to remove anything, and the other two remove partially. Should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, No. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1.  ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. XXXX is the only out of 3 agencies that have not put the freeze as requested, that both Transunion and XXXX did, and this in addition to several other inquiries started after the XXXX   data breach publicly known.

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 2018-11-07
Company: CrossCountry Mortgage LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We got pre qualified in XXXX to by a home before we made a offer. We signed a contract to build a home with a finish date of XX/XX/2018. We have given the mortgage company all the documents that they requested.. We were promised a interest rate of 4 1/2 % with eather a 7 or 10 year balloon and a 30 year amortization. We have requested repeatedly a written approval letter and as of today still have not received one. Our contract with the builder clearly states that we need a commitment letter by XX/XX/XXXX. After many repeated calls to XXXX XXXX with Cross Country Mortage we would get the same answer, I will let you know by Friday. Monday XXXX called me and said that he got us a interest rate of 5 1/2 paying 1 point. He then said that he would check with another lender to get me a better rate and would call me tomorrow. Still no call. He did get his boss who I think is Vice President of the company involved. In a conversation with him about a week ago he told me how hard they had worked on this loan even getting us a second appraisal from a friend, because they did not like the first one. Now nine days to settlement we still do not have a definitive answer. The stress of dealing with this company and XXXX XXXX has caused me many major health issues including a XXXX XXXX and having to go to a XXXX XXXX. I am now scrambling to find Mortage money elsewhere 9 day before settlement.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I disputed the account with the credit bureaus as " not mine '' but it recently came back as verified ... .I never had an account with XXXX   XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX   XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX They also wont give me evidence or verification as to why they will not remove the account. The error has affected my credit score Please delete immediately before further harm is done

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 2017-09-13
Company: AMERINATIONAL COMMUNITY SERVICES, INC.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My escrow bills ( tax and insurance ) in 2018 will be going up by XXXX total for the year. However, my loan just transferred servicing and somehow they say I need to pay XXXX per month more. 

Also, it is suspicious my loan just transferred last XXXX and they said the escrow balance was only {$4.00}. 

I think XXXX, the prior servicing company, maybe did n't pass the escrow fund to the new servicer Amerinat. 

Amerinat claims they sent me a letter showing me the calculations however I never got 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 2020-11-13
Company: U.S. BANCORP
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: Account status incorrect

Complaint:
Account had an active dispute on file for one in which multiple reps stated they could not attempt to collect money for said dispute but yet they continued to bill and call Then in the process of a collection call I requested covid coverage they advised the minimum was reset to {$0.00} due for the months of XXXX and XX/XX/2020 Additionally I paid the card in full mind you it is closed account and the balance was only {$230.00} I paid it off in XXXX one of the months they are reporting as well if I can afford to pay the {$230.00} clearly the {$20.00} wasnt an issue I set the arrangement much like everyone else out of growing concern for what the future held at the time given all of the uncertainty I trusted their service as prior to this point things went relatively smooth and it could very well be just an oversight but it was one of great inconvenience and greater cost to me as a customer of 8 years in positive standing they not only cost me several closed credit lines but theyve insulted me in every way since from multiple departments including the office of the President At one point credit report said 120+ days past due including months after paid off I advised them of this they said that never happen so I had to send a copy then I advised of the calls they said that never happened so I sent the logs then they said oh well we had already listening to those calls but then today they said they dont have any recordings and they were outbound calls that were lent recorded so Id say a few mix ups haha

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 2017-11-06
Company: SHAPESHIFT AG
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I did a transaction on shapeshift.io on XX/XX/XXXX, Order ID: XXXX. The tx type I used was "Precise" and it gives 10 min to send the payment before expired. I sent the payment in about 5 min and got confirmation very quickly, but the tx was not completed and I got refund for the payment I sent.I was confused as to why the tx wasn't completed so I opened support ticket XXXX. Shapeshift rep XXXX responded my ticket and through our correspondence, he revel that my order only had 5 min for sending the payment. I confronted him why it was only 5 min instead of 10 min like how their instruction still said and if there was any communication to customers on this change, he did not respond to that. Then I asked him to manually handle this tx again to make right for me, he told me Shapeshift wouldn't do that.This is a very unfair case where Shapeshift can change how their order works however they want without making any communications to the customers, and the instruction page for Precise order still shows 10 min deposit time https://info.shapeshift.ioXXXX. When I asked them to manually to the tx again to make this right, I failed to see they had any intention to make right on this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-24
Company: United Revenue Corporation
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:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-07
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
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  has been allowing Toyota financial to report false information on my report without a proper investigation for years. Toyota financial illegally repossessed my vehicle XX/XX/XXXX. I stopped paying XX/XX/XXXX after requesting verification of my balance. Which they would not supply to me. Toyota has falsely and knowingly reported information on my credit report for years. When I dispute Toyota will change a number ex XX/XX/XXXX 120 days late to 160 days late and XXXX says its valid. Toyota has opened and closed the account many time. Most recently changing it to closed XX/XX/XXXX dropping my score 40 pts. XXXX   has always stated this a valid and verified according to the fair credit reporting act. This account has been closed for years. Toyota once reported to XXXX   that I owed {$2300.00}, changed the date opened and that was validated by experian for months until I spoke to the attorney general in ma. I just want valid and verified information reported on my reported. I have tried to get answers about how my disputed information was verified without answers. This should be illegal but it seems as long as Toyota or whoever else just changes a number when info is disputed the credit agencies state its valid without any type of actual verification. This has been happening to me with Toyota and the CRAs for years. Do I really need to get a lawyer because these companies can report whatever they like while the CRAs verify whatever is reported without any type of information. This needs to stop and it needs to stop now. Im tired of being told false information about me is valid and theres nothing I can do about it. Now I cant dispute that my 10 year old account was closed 2 weeks ago because I already disputed and it was deemed valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01
Company: SYNCHRONY FINANCIAL
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Synchrony Bank associates have been provided with several claims and supporting information pertaining the unauthorized use of my account information, unauthorized charges, and unauthorized electronic transfers requested by an unauthorized party. 

After several calls, and several request for the issue to be escalated, my account status was made active and more than five times placed back on a block status. The amounts pertaining to the disputes transactions has been placed back in the account and then withdraw more than fives times, proceeded by the total balance of the account presenting billing errors and a decrease in funds for amounts that have been claimed as unauthorized. To this date, I am being prevented rom accessing my bank account and information related to the claim presented for unauthorized transactions has not been provided. Personnel has refused to provide a appropriate resolution and mitigate the losses of the billing errors cause by the several times that the statement lists the same funds being credited and debited from the account. I have been awaiting for a proper resolution and the mitigation of my losses for a period of 2 months.

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 2018-09-01
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: Information belongs to someone else

Complaint:
I've wrote several letters to Equifax about an account that's fraudulent on my credit report, which has yet to be removed. This has hindered me from purchasing a home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: Experian Information Solutions Inc.
State: MA
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  has been allowing XXXXXXXX XXXX to report false information on my report without a proper investigation for years. XXXX XXXX  illegally repossessed my vehicle XX/XX/XXXX. I stopped paying XX/XX/XXXX after requesting verification of my balance. Which they would not supply to me. XXXX has falsely and knowingly reported information on my credit report for years. When I dispute XXXX will change a number ex XX/XX/XXXX 120 days late to 160 days late and XXXX says its valid. XXXX has opened and closed the account many time. Most recently changing it to closed XX/XX/XXXX dropping my score 40 pts. XXXX   has always stated this a valid and verified according to the fair credit reporting act. This account has been closed for years. XXXX once reported to Experian that I owed {$2300.00}, changed the date opened and that was validated by experian for months until I spoke to the attorney general in ma. I just want valid and verified information reported on my reported. I have tried to get answers about how my disputed information was verified without answers. This should be illegal but it seems as long as XXXX or whoever else just changes a number when info is disputed the credit agencies state its valid without any type of actual verification. This has been happening to me with XXXX and the CRAs for years. Do I really need to get a lawyer because these companies can report whatever they like while the CRAs verify whatever is reported without any type of information. This needs to stop and it needs to stop now. Im tired of being told false information about me is valid and theres nothing I can do about it. Now I cant dispute that my 10 year old account was closed 2 weeks ago because I already disputed and it was deemed valid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02
Company: Perfection Collection
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX {$3100.00} PERFECTION COLLECTION LL XX/XX/XXXX {$400.00} PROFESSIONAL COLLECTION XX/XX/XXXX {$340.00} PROFESSIONAL COLLECTION XX/XX/XXXX {$920.00} XXXX XXXX XXXX I XX/XX/XXXX {$1100.00} XXXX XXXX XXXX I I have sent letters multiple times even file dispute cases with each credit company and nothing has happen

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I received a letter for unclaimed property from Bank of America dated XX/XX/2020 detailing unclaimed property that was owed to my wife and myself. After receiving the letter I called Bank of America on XX/XX/2020 and through the phone submitted my claim information and was told that we would receive a check for the funds within 6-8 weeks. 

After not receiving anything I called again on XX/XX/2020. They did not know why the funds were not sent but resubmitted my claim and detailed that the request would be expedited but at the very latest the funds would be sent to us within 6-8 weeks. 

Again, after not receiving anything, I called Bank of America on XX/XX/2020. The agent claimed that he did not know what happened with my claim but that the funds were sent to the state of Texas on XX/XX/2020. 

On XX/XX/2020 I checked the Texas state unclaimed property site and there is no information on the unclaimed property.

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 2020-06-30
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: Information belongs to someone else

Complaint:
I have sent a dispute along with a copy of my credit report and ID Theft Report to the credit reporting agency. They are in violation of 605B of the FCRA as they have not blocked the items from my report that are not mine in a timely manner.

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