BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-12
Company: CITIBANK, N.A.
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 information incorrect

Complaint:
I had a store card with Macys back in 2015. Unfortunately, I had a financial issue at the time, and the account was charged off. I have since recovered, and started addressing the results of the financial issues I had in the past. I called Macys to pay the outstanding balance they are reporting on my credit report, but they refused to accept my payment. And although they refused to accept my payment, they still refuse to take the account listing off of my credit report. I want this account to show as paid on my credit report, but by refusing to accept my money to resolve the account, and also refusing to take the account off of my credit report, Macys is holding my credit report hostage. Not only is this unfair, it is illegal. A company can not refuse to accept payment, and still continue to report as debt as unpaid.

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 2021-04-23
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I went to buy a car in XXXX XXXX in XXXX XXXX XXXX XXXX XXXX CA XXXX and the guy named XXXX XXXX and he lied to me when he did the contract he said that lease was better than buying because my payments could be lower and that i could also keep the vehicle anyways but when my lease term was over the finance company named toyota finance are charging me {$6000.00} for returning my car on top of the almost {$35000.00} i paid in 3 years for leasing the car.. I am mad because I have gone through XXXX to speak with XXXX and he is never there he is always avoiding me when i go there and try to talk to him they told me i needed to sign a document of returning the car and that I owe {$6000.00} and if I did not sign it they could impound the car and mess up on my credit report .. I am crying because i am mad on how these people screwed on me ... I need help I am not working i dont have a job and cant even pay rent and now this .... they said they will screwed on my credit report if i dont pay them the {$6000.00} dollars .... I need help please ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: LAKEVIEW LOAN SERVICING, LLC
State: DE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX recently took over my mortgage from XXXX XXXX. 

In exploring payment options for my new servicer, I have come across undisclosed penalties that apply to people paying WITHIN their stated grace period. In my case ... 

My payment is due as of the XXXX of each month, and considered late if not received within 15 days. However, if I elect to make one-time online payment, apparently there is a {$5.00} " processing '' fee that applies from days 6-10 and a {$10.00} fee for days 11-15. When I inquired why, I was told, " that's just the way we always do it. '' I confirmed that a check or other payment method would not incur these " processing fees. '' This is unacceptable. If I have 15 days from the first to make payment, I should have 15 days or they should be up front about these hidden penalties.

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 2020-08-22
Company: EQUIFAX, INC.
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I tried reporting fraudulent accounts on my XXXX  and equifax report. I have I sent in my FTC affidavit, my id and ss # and and fraudulent inquiries. The company has not investigate my claim and claim they don't have any of my information. I also sent a claim from cfpb website and the company responded that I wasn't the person submitting the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX  transferred my mortgage loan to a new servicer, Rushmore, on XX/XX/2020. 

I have completed a Borrower 's Assistance Application at Rushmore and was told on XX/XX/2020 by XXXX by telephone that she transferred my application to underwriting. 

Subsequently, Rushmore has not sent written notice to confirm my modification application status.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: FIRST NATIONAL BANK OF OMAHA
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I've had a credit card with First National Bank of Omaha ( FDIC  CERTIFICATE # XXXX ) since XX/XX/XXXX, I don't use it all the time. I have had a XXXX  balance for over a year, On XXXX XXXX, ( in the midst of the Covid-19 lock down ). I get a letter stating they had closed my account. I can understand that, so i called to ask if they could reinstate it because i do use it periodically. They said they could NOT re-open it, but I could fill out a new application and reapply. Here is my Problem. When they closed the account with no notice 1. that decreased my credit limit by XXXX dollars which means my the percentage of credit i'm using of my available credit went up. 2. it decrease my average length of time I've had credit. 3. by applying for a new credit card they will do a credit inquiry, These things will adversely effect your credit. I did call, the I emailed them through their website. " XXXX XXXX Customer Care Senior Specialist '' could care less, typical response - we take our customers correspondence Seriously and appreciate ... ... .. '' your credit rating/score effect interest rates on insurance, vehicles, etc. I think is a shame, while people were on lock down and other businesses were working to ease the pressures for people, FNBO was pulling credit from people who don't use their cards everyday but might actually really need them in the near future. While I '' m guessing, there is nothing we can do, I'm still electing to write my senator and congressmen and CFPB to let them know something should be done about these kind of things, especial in the midst of a world wide crisis, do banks really need to deactivating good customers lines of credit. I have other credit cards, but it's not just about me, what about people who might actually need their credit card now and this has been done to them. I think is a shame.

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 2022-08-10
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX A 3RD PARTY COMPANY IS REPORTING INFORMATION OF A XXXX XXXX XXXX TO ALL 3 CREDIT BUREAUS OF MY CREDIT FILE. THIS INFROMATION WAS NEVER REPORTED BY THE FEDERAL BANKRUPTCY COURTS. XXXX REPORTED THIS ON MY CREDIT FILE AND WAS NEVER A PARTY TO MY XXXX XXXX XXXX REFERENCE FILE # XXXX. 

A FORM 609 WAS SENT TO XXXX UNDER THE FCRA GUIDELINES REQUESTING THE REMOVAL OF THIS INFORMATION FOR : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX DATE OF DISMISSED WAS XXXX / BANKRUPTCY FILE # XXXX XXXX HAS CONTINUED TO IGNORE MY REQUEST OR RESPOND TO MY REQUEST TO REMOVE THIS ITEM FROM MY CREDIT FILES ON XXXX XXXX EXPERIAN. 

THE TEXAS XXXX XXXX HAS FURNISHED EVIDENCE THAT THEY NEVER SUBMITTED DOCUMENTATION TO THE 3 MAJOR CREDIT BUREAUS XXXX XXXX EXPERIAN AND THAT I WOULD NEED TO TAKE THIS MATTER UP WITH XXXX. 

XXXX REPORTED THIS ERONEUS INFORMATION TO THE 3 MAJOR CREDIT BUREAUS WITHOUT THE RECOMMENDATION BY THE TEXAS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRUSTEE.

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 2020-06-25
Company: CITIBANK, N.A.
State: ID
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:
I am writing in reguards to dispute # XXXX for a purchase of {$100.00} on XX/XX/20 from a website XXXX I originally made this dispute as I tried to cancel the order for this purchase before it was processed and sent. I became very suspicious that the website and merchant may not be legitimate after I ordered the items. I was told by the merchant it was too late and they already sent the item. I ordered 2 bifold closet doors from this merchant and they provided tracking numbers on these. The packages arrived seperately and intially opening them, I was very confused by the contents because there were paper N-95 masks in them from XXXX and I did not order any masks from XXXX ever. I thought it was someone's mistake. I quickly realized this that the tracking numbers on these packages for the masks were the same tracking numbers provided by the merchant for the for the doors. So I ordered 2 bifold doors for {$100.00} but I received some paper masks worth a few dollars which is fraud. 

The claim was supposedly investigated but settled in the merchants favor. Prior to this dispute being settled, I tried to relay this information but do not feel it was taken into consideration. I have provided communication with the merchant with tracking numbers and an attempt to cancel the order as well as pictures with the package and tracking numbers showing the items in the package which were not what I ordered. 

In summary, I ordered 2 doors for {$100.00} USD on XX/XX/20 and was sent some paper face masks instead. This is clearly a fraudulent scheme by the merchant. I tried to address it immediately and feel that it could have been addressed more quickly and efficiently. 

I have tried to provide any additional supporting documents as well as communication from the merchant about the order. This information make the fraud clear and easy to see. I hope that this is further investigated again and there is improved transparency and communication. This has been a very frustrating experience for me.

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 2021-08-17
Company: EQUIFAX, INC.
State: CA
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 regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: ERC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: U.S. BANCORP
State: ND
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I refinance my home to payoff the current mortgage and the HELOC into one loan. At closing we received a payoff statement that was very vague. The last statement we had showed the principal balance was {$39000.00} as of XX/XX/2020. My refinance paid off the loan on XX/XX/2020. The payoff statement stated the per diem is {$5.00} per day. with this calculation my payoff would have covered 32 days of interest. This would roughly be about {$170.00}. Per the payoff there were about {$92.00} unaccounted for. When I contact US Bank they could not explain the additional fee. I have been waiting for about 10 days for a response and have heard nothing. Also, the HELOC loan and all information is no longer available for me to access thru US Bank.

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 2019-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2021-08-17
Company: Winklevoss Exchange LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I opened an account with Gemini Trust Co. on XX/XX/XXXX. I deposited {$1000.00} into the account on XX/XX/XXXX. I was able to move those funds to an Earn account. I then deposited {$9000.00} on XX/XX/XXXX and have been locked out of managing those funds since. I have read several of the other complaints filed recently with the XXXX  and they sound exactly like me. I have done several submittals of verification information ie : drivers license, Photo of me holding my drivers license and a note attesting that I am voluntarily adding funds to my account. This is XX/XX/XXXX and they still have my account locked. Just like the other people. I made a mistake when I wired funds on XX/XX/XXXX and immediately notified Gemini of what happened. I had used the same ref no on the bank transfer as I did to open the account. I didn't realize I had to use a new ref number. I emailed them on XX/XX/XXXX and advised them of the error thinking that might be why it was locked. 

The {$9000.00} shows up in my account but I can't trade, buy or withdraw anything. There are over XXXX complaints with the XXXX  for Gemini. Many just like mine. 

This is from XXXX XXXX XXXX website.XXXX XXXX XXXXXXXX. They also report Gemini locking accounts. Let 's see how much money are they managing in the float? 

" Customer Service Gemini does not have much in terms of customer service options. You must create a support ticket via their app or website, and wait for a resolution.

Editor 's Note : We recently downgraded our review of Gemini due to poor customer service and account resolution issues. Be advised that Gemini has been locking accounts and providing no resolution to customers. We had our test account locked without any notification ( discovered on XX/XX/XXXX ), and we could not even get a response until XX/XX/XXXX. The only reason we believe Gemini even responded was due to multiple tweets from our verified XXXX account, along with support from other verified users. We also filed a complaint against Gemini via the New York Department of Financial Services. 

As such, we urge readers to be cautious as we've seen an uptick in similar complaints from readers here, on XXXX, and XXXX. 

Gemini Frozen '' Interesting their problem occurred about the same time mine started. I also reported this to the FTC. They recommended I also file with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Midland credit management recently filed an case against me. They failed to provide debt verification info pertaining to debt owed and or amount. I have no relationship with midland or valid contract. They are sending mail luckily Ive retrieved from an old address I havent lived at in 2 years. They have violated debt verification letter failing to meet 30 day mark by pursuing attempt to go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for a Chase Freedom credit card from Chase Bank ( ref number XXXX ) in XXXX. I have a fraud block on my account. On XX/XX/XXXX, I received correspondence Chase requesting that I release my credit report and contact the bank. I succesffully did so, resulting in a hard inquiry on my credit. Then, on XX/XX/XXXX, I received further correspondence from the bank indicating that I had 14 days to call them to further confirm my identity. I called the phone number provided ( for Chase Fraud Services @ XXXX XXXX more than 25 times in the ensuing two weeks. Each time, I was met with a recording indicating that the wait time to speak with a representative was " greater than 50 minutes. '' On three of these occasions I waited on the line for more than 70 minutes and never got through. 

Note : I eventually went to a branch to see if they could help. I spoke with Ms. XXXX at the XXXX CT branch. She confirmed my identity and then helped me to get through on an internal ( different ) number. After a 30-minute wait and further validation of my identity, I was informed that I would have to re-apply! My application had expired because I had been unsuccessfull in reaching the bank during a 14-day window after I received the second letter.

It seems patently unfair that Chase should accept my application, check my credit ( negatively impacting it ), and then set conditions that are impossible to meet to complete the application process - namely to contact a group within the bank that is so inadequatly staffed as to make contacting them impossible within the time frame provided. I believe Chase has acted in bad faith in this transaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-05
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: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-05-10
Company: EQUIFAX, INC.
State: TN
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:
For the past several years I have attempted to clear up the public record bankruptcy on my file. According to the court documents the person is XXXX XXXX XXXX. My name is XXXX XXXX XXXX. The names are similar, but not the same. I have contacted the court house and bankruptcy court and both have told me that they have not reported to the credit companies. I also contacted XXXX XXXX several times with no help as they are the company who is reporting this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: NC
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:
In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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. 

XXXX XXXX ..Acc # XXXX XXXX XXXX XXXX ..Acc # XXXX XXXX XXXX XXXX..Acc # 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 explanation
Consumer complaint received 2020-05-09
Company: Paypal Holdings, Inc
State: FL
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased a {$50.00} XXXX XXXX XXXX XXXX E-Gift Card from PAYPAL via PAYPALS website on XX/XX/XXXX. When redemption of the XXXX XXXX was attempted in person at XXXX XXXX XXXX XXXX on XX/XX/XXXX, it was denied and XXXX XXXX stated that they had not honored such cards since XXXX. They further stated that they were unaware that they were still being marketed at all. As it regards paypal, they have refused a refund, stating all questions should be directed to XXXXXXXX XXXX XXXX XXXX. They further stated that the gift card was marketed with XXXX XXXX consent. Thusly, I feel I have been defrauded by both companies. Paypal are marketing a product that can not be redeemed either online or in person and refusing a refund and XXXX XXXX is apparently allowing this. Both sides are liable in this matter, Paypal as the broker for a worthless product and XXXX XXXX XXXX XXXX, who are refusing redemption while no doubt sharing in the ill gotten gains with Paypal.

Company response to consumer: Closed with explanation