BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-22
Company: BAM Management US Holdings Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
On XX/XX/2021 I opened up an account with Binance US Exchange in order to purchase cryptocurrency. They have a $ XXXX daily deposit limit so I began the deposit process and started purchasing crypto daily and all seemed fine. On XX/XX/XXXX I suddenly found my deposits getting " Failed! '' and for what reason I do not know because I had more than sufficient funds in my attached ACH to cover the deposits. I did everything possible to find out why such as filling out support tickets but all I got back were emails with a standard generic response saying to add another ACH account but it absolutely did not work and it was attempted a number of times. They have no phone number for customer support so the options were few and it doesn't appear they even read the support tickets because the same automated response is given each and every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: Global Portfolio Recovery, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I submitted a complaint to the Better business bureau in regards to this complaint and the company sent me a letter stating " We have completed our investigation of your dispute concerning this account '' Attached was a statement balance reflecting {$1000.00} however this company was reporting {$1000.00}. Regardless of how small the error was it is their responsibility to maintain true and 100 % accurate information when reporting to the credit bureaus. They failed to update the account when asked to validate the debt.A creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate such as misstating the balance due. They are in violation of my rights and I am requesting the account to be deleted.Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Your company is in debt dispute violation as you have failed to do the following : -submit corrected information to the CRA subsequent to investigating your dispute -refrain from continuing to submit information that it knows ( or should know ) is incorrect

Company response to consumer: Untimely response
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Information is incorrect

Complaint:
As I reviewed my recent report, I have found an erroneous information reporting on my TransUnion Credit Report. I am not sure if you have conducted a thorough investigation for this item XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4600.00}

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 2022-08-12
Company: EQUIFAX, INC.
State: NJ
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:
There is a " satisfied '' XXXX collection on my account and it's on two bureaus. 
They both have illegally re-aged it ( XXXX and Equifax ) and XXXX does not report it ( becuase it's erroneous ) Equifax reports positive payments on a paid collection which is not legal or possible. XXXX reports current date of last active status. This should not be on my report abd the bureaus continue to report incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: I.C. System, 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:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.

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 2021-04-18
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started a refinance of my home located at XXXX XXXX XXXX, XXXX Az with NewRez LLC who services my mortgage currently at their request by email in XX/XX/XXXX. The first loan application loan # XXXX went inactive because NewRez system inactivated the loan because they didn't do anything with it. I had paid XXXX dollars for an appraisal that was never done. The second loan was started in XX/XX/XXXX loan # XXXX and NewRez took more money for an appraisal out of my Bank account again. After threats of criminal charges being files against the loan Officer XXXX XXXX, the money for the second appraisal was returned to my account. The appraisal for the property was finally done late XX/XX/XXXX and filed with NewRez on XX/XX/XXXX. The loan did not proceed. In the mean time I was served with a Divorce Action from my wife. NewRez was informed of the court papers fully. Nothing happened with the loan even with numerous phone calls and emails to the business. I filled a complaint with the XXXX XXXX XXXX in XXXX  DC. Then NewRez gave me a conditional approval with a request to have a copy of the Final Divorce Decree. The Decree was supplied on XX/XX/XXXX, and additional financial documents they requested. A loan processor was assigned identified as XXXX XXXX who emailed me him being assigned as the loan processor. I have made many attempts to call and email him. He never answers his phone or answers emails. I was contacted by XXXX XXXX on XX/XX/XXXX, by her calling my cell phone. She told me she was working with Mr. XXXX and she wanted additional financial documents that have been supplied numerous times before. She wanted current documents and I supplied them via the internet. Still no action on the loan application even though it had been approved with conditions that had been met. On XX/XX/XXXX I emailed Ms XXXX and asked why the loan was not proceeding. She emailed me back to contact the Processor Mr. XXXX with any concerns. I emailed him on XX/XX/XXXX and still no answer. Mr. XXXX has never responded to emails or phone calls. I do not know how to get this company to finish this refinance and get the loan documents to me to sign. They are avoiding any actions in regards to this refinance and there is no reason it should not proceed, I check their web site with my account daily to see if they have any requests or actions and nothing is seen. I need help getting this to proceed, This refinance has cost me time and money with little or no actions of this mortgage company. Can anything be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: ERC
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:
Ive tried contacting XXXX to let them know that my identity has been comprised because ive never had service with them although they refuse to remove this black mark from my credit report. I 'm filing to have them remove this fault debit from my all three credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: TOYOTA MOTOR CREDIT CORPORATION
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 went to XXXX XXXX dealership on XX/XX/XXXX. On the same day, they ran an inquiry into my credit for car loans and financing. On XX/XX/XXXX, they ran more inquiries, multiple ones, without my consent and without me being there. All of these credit inquiries were unauthorized. On XX/XX/XXXX, I call the Toyota dealership and they said they could not remove these inquiries from my credit report. Toyota made car loans applications on my behalf without me knowing. I also called the financial institutions Toyota made these applications to. XXXX and XXXX financial departments opened cases to look into this situation. Toyota Corporate and Financial department refused to, claiming they could not do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Experian Information Solutions Inc.
State: IN
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:
Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX XXXX Inquiry Date XX/XX/2020 XXXX XXXX Inquiry Date XX/XX/2020

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 2017-11-04
Company: EQUIFAX, INC.
State: GA
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:
My personal information was stolen from Equifax. This is ridiculous and now I need to freeze my credit. I still have to pay for this. I do n't have any choice in using equifax with my report. My information is out there and is in danger of being used.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
A promotional financing option was presented upon purchasing a product from XXXX. As long as the balance of the purchase was paid off in the prescribed amount of time, no interest would be charged on the purchase. 

In XXXX of XXXX, the promotional amount due by XXXX XXXX was {$890.00}. 
I made the following monthly payments : XXXX : {$200.00} XXXX : {$400.00} XXXX : {$150.00} XXXX : {$150.00} XXXX : {$350.00} XXXX : {$0.00} XXXX : {$550.00} TOTAL : {$1800.00} However, they only reduced the " promotional balance '' by {$30.00} each month despite my large monthly payments. Because I had another " revolving '' line of credit on the same account, the credit card company applied most of the balance to the " revolving '' balance. 

It was not until I noticed that my promotional balance was NOT paid off and I was assessed an additional {$250.00} in accrued interest, that I found out that my payments were not going to pay off the promotional balance. 

After looking into my statements and callling Comenity Bank XXXX the credit card company handling the XXXX credit card ), I found out about how they allocate your payments primarily to the revolving credit and NOT the promotional credit, XXXX unless you call them and tell them otherwise! XXXX. They also say they DO apply a greater amount of your payment to the promotional balance if you are nearing the expiration of the promotional period. However, it is NOT outlined anywhere how they allocate your payments closer to the expiration date and they did not do this in this instance. This is an easy way for them to allow the promotional balances to default so they may collect the outrageous " accrued interest ''. Disgusting! The customer service rep. put me on hold when I asked to speak to a supervisor, but no one ever came back on the line. When I called back, they were closed for the day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: EQUIFAX, INC.
State: IN
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:
Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX XXXX Date XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Bank deemed the transaction as suspicious and locked my account on XX/XX/22, around XXXX pm. The phone number provided only was manned the next day morning and I am trying to help my relatives XXXX  XXXX. When I called the next day and verified my information, they still failed to unlock the account, even though I verified the transaction as legitimate. My call is not prioritized and I have to wait very long times on the phone. Then my phone call got dropped. This is a nightmare. I should be able to have access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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 got secured credit card from capital one last year. I used it, sent {$80.00} to them, they ended up never getting it because the address to send the payment to was the wrong address, so I canceled the payment. And told them to keep the deposit for the secured credit card. They said fine and sent a letter saying the account was closed. But I keep getting letters from a collection agency asking for another {$260.00} dollars. When the account was paid and I dont get where they get that amount either. 

And they are also making my credit score lower as well as lying about not paying the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: JPMORGAN CHASE & CO.
State: WA
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, {$8.00} was charged to my Chase account for a recurring monthly XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX XXXX ) which was terminated by the club and chase inXX/XX/XXXX. I contacted Chase to advise them that I disputed that charge by telephone and letter. My account was credited for the full disputed amount. I have again received a bill from Chase for the exact same amount dated XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-04
Company: EQUIFAX, 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 wrote to Equifax, notarized and certified mail. Stating that there are inquiries that I do n't recognize and I did n't authorize or signed any documents. Therefore I want them deleted, they wrote back stating that a third party may access your Equifax credit file to assist in the underwriting of your request for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: Illinois Collection Service, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid in full. The debt was collected from a different collection agency, XXXX XXXX XXXX. The dates of payment were XXXX XXXX XXXX  amount of {$1600.00} and XXXX XXXX XXXX of {$2200.00}. The debt was settled. I spoke with both billing departments at XXXX XXXX and I was told the I only had one bill which was paid in full. No other bills exist. This additional debt collection is fraud. It is inaccurate and it has had a negative impact on my credit report. I have not received any letters or phone calls in regards to the debt they are trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: Duncan Solutions, lnc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
RE : Toll Violation # XXXX I contacted this agency because I found out I owed money from a third party but never received a bill. I asked them why they never sent one and wasn't provided an answer. In addition to me speaking with them, my assistant spoke with their rep named XXXX on XX/XX/XXXX. She confirmed the total amount due was {$140.00} and that it would bring the account to zero balance. She was asked again to confirm this was the total due and she did. The phone call was taped, so please review it. She also stated all the violations were from XX/XX/XXXX, which didn't seem correct. When asked for an invoice she said they didn't send those. I didn't believe the amount was accurate either, and was never provided with proof it was my car that used the toll road when they claimed I did. I know I used it a few times, but the amount seemed high for the low usage. 

Nevertheless, the total due was paid by money order. Shortly after, a letter arrives stating ANOTHER {$50.00} is due and that these violations are also supposedly from XX/XX/XXXX. 

I am disputing this amount of {$50.00} since I was told {$140.00} was the TOTAL due and this amount was paid. I didn't dispute the {$140.00} even though I should have as I was provided no evidence and never received an invoice. Mistakes are common and it appears I'm being billed fraudulently, or for someone else 's usage. But I chose to pay without dispute to save time. I will now take note of any time I use the toll road to prevent this scam in the future. 

It takes time out of my busy schedule to dispute this company 's inaccurate, unfair and unethical billing. 

I tried to email them but there is no email address on the statement or their website, as far as I can tell. I called them but they kept me on hold way too long, and then their rep asked too many invasive questions in supposedly trying to verify the account AFTER she was given the violation number and my full name and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: EQUIFAX, INC.
State: RI
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:
I've sent the credit bureaus my information to update my personal information on my credit report but they have not done anything yet and it has been 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Convergent Resources, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am appalled of the fraudulent practices of Convergent Outsourcing , Inc . They are deceptively attempting to bill me for a bill that was paid. Even with evidence of such, they have overlooked and disregarded the facts and still attempting to collect. 

1. As evidenced in attachment A, Convergent is attempting to collect a debt for XXXX XXXX. I have no account balances with XXXX XXXX. 
2. As evidenced in attachment B, I switched to another provider from XXXX XXXX. After I terminated their services, was told that any additional fees would be waived due to my poor experiences with them, and all equipment was returned, I receive this XXXX XXXX. Even though I disagreed with the subsequent billing, I felt it was nominal in comparison to just getting rid of XXXX XXXX. This amount was paid to XXXX and I have proof/confirmation that the bill was paid. 
3. As evidenced in attachment C., even XXXX has documented my account is paid in full and have record of the XXXX being paid. 

Convergent, even after my filing an appeal and receiving evidence that the bill/account was paid in full directly to XXXX XXXX , continues to contact me and denied my claim stating the debt is valid ( attachment D ). Their bullying tactics and attempts to gouge me, and damage my stellar credit, is disturbing. If I was less intelligent and unaware of my rights, I would just pay the money twice. This is Convergents hope - that I will just pay the money TWICE and I have no doubts, if they are investigated, I am not the only one theyve attempted to bully into paying double.

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 2022-03-09
Company: EQUIFAX, INC.
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 status incorrect

Complaint:
As I reviewed my recent report, I have found an erroneous information reporting on my Equifax Credit Report. I am not sure if you have conducted a thorough investigation for this item. 
FIRST XXXX BANK XXXX Balance {$800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: NRA Group, LLC
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
This company contacted me at XXXX via text on XX/XX/2022, regarding the debt that I have with National XXXX. I was waken up to this text message. That is absolutely not an acceptable time to be reaching out regarding a debt!

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