BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-04
Company: Fay Servicing, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
i was called from my morgatage company. The person said his name is XXXX XXXX. He provided me with a temporary loan number XXXX ... and said eventually i would recieve a new one. 
i have paid {$4500.00} to this guy .. once i called the company back and i never got another message from them. 
i have the address to where i sent all of the payments. 
I also have the XXXX number where i was called from.. 
i also have all the money order reciepts. 

the phone number that called me is XXXX XXXX XXXX the name and address of where i sent the payments are... 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: Dovenmuehle Mortgage, Inc.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We are in the process of re-financing our mortgage with a new lender. We informed Dovenmuehle Mortgage of this fact on XX/XX/2019, and requested they cancel the auto-draft for our XX/XX/XXXX payment. They agreed to cancel the auto-draft. Well, they drafted our checking anyway on XX/XX/XXXX. When I called about it they said the only recourse we had was to have our bank reverse the draft, which we did. Dovenmuehle began the late payment and collections process immediately, despite a 15-day grace period, and despite being told our situation with our refinancing process. The closing on our new loan was delayed until XX/XX/XXXX, and is now closed. We received a Delinquent Account notice, despite the fact that the loan is not delinquent until 30 days have passed. I called them on XX/XX/XXXX to explain that the refinancing had closed and they should receive the payoff on XX/XX/XXXX. I asked their representative to stop send delinquent letters, and to stop using the term delinquent. She became rude and began talking over me when I complained.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
I have a collection account that was put on me by XXXX XXXX back in XX/XX/XXXX that I had no knowledge of receiving because I changed my address and moved out of state in XX/XX/XXXX. Even though I have filed numerous disputes to all three credit bureaus stating my claim and included information, I also payed the debt in full to the collection agency, it still is showing as a negative account as a paid charge off on my credit and has caused me to not achieve my credit score and goals that I want. Also the XXXX Credit Bureau is showing that the account is only 2 years old and that is not accurate, the account is nearly 7 years old. I would like this collection account removed completely from all three bureaus. Here is the account as shown on my XXXX credit report. 

XXXX XXXX Account Number XXXX Account Type Unknown Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid, was a charge-off Status Updated XX/XX/XXXX Balance - Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount {$170.00} Comments

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/2019 : I opened a checking account with automatic deposit and a savings account with {$20000.00} with Chase Bank in XXXX XXXX. 
I was promised {$600.00} if I did this and left it open for 3 months. After 3 months I was told I had to keep it open for 6 months. 
What happened is I sat for over 2 hours giving the branch officer all my personal information. I tied up my money. After many months of phone calls, messages and visits to the branch I was told by XXXX, XXXX Executive Office XXXX ext. XXXX that they would not honor the promo and also would not remove any fees incurred during this lengthy acquisition. 
Obviously I am frustrated and aggravated that I tied up my money and put so much trust into this bank and the employees of this bank. 
I have plenty of documentation and saved voicemails. Please advise. 
XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-29
Company: Experian Information Solutions Inc.
State: MI
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 reached out to the original creditors and credit reporting agencies to resolve this issue with negative accounts. This is hindering me from buying a home.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX did. Told them this : I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. XXXX should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

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 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: In progress
Consumer complaint received 2023-04-06
Company: Bread Financial 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:
On XX/XX/2023, I received a notice in the mail from XXXX card accounts for a charge card made in my name that had apparently not been paid for on time. I did not open this charge card and did not authorize anyone to do so on my behalf. I am not an existing customer of XXXX XXXX, I have only made credit cards through the Bank. I am attaching the paper showing the charge card made from COMENITYCAPITAL as well as a credit report printout showing the unauthorized accounts as documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
State: ND
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Reached out to credit bureau about these accounts and they have not taken any action. They have responded that they needed proof of identity on XX/XX/XXXX, which was provided and attached to this complaint. While reviewing a copy of my credit report XXXX I discovered some inaccuracies in my personal information. I am deeply upset about the erroneous things I see on my credit report. These accounts are unverifiable and unvalidated and inaccurate. I mailed numerous letters and copy of FTC report XX/XX/XXXX and did not get a response or negative accounts removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Dear Director Of Operations, After talking several times to the customer service department they failed to correct my concerns! One they failed to add a authorized user to my account. Two seem not to be able to credit payment properly to the account that currently has a XXXX balance after two payments posted. Three have a freeze on the account after they have been provided proof of said payment and processes. Please  have someone correct these issues and complete the update to the account immediately. CPA has verified all has properly been done on my end as a card-holder per the agreement provided upon enrolling with this bank. If, they can't proceed to complete these simple requests very fast close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Incomm Holdings Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I purchased a Vanilla gift card and added XXXX dollars as a present for a XXXX XXXX on XXXX. When my brother tried to use it on XX/XX/2023 the card said invalid, numbers in front of it were erased. I contacted their customer service and after trying for over 30 minutes I was connected with some lady who pretty much told me she couldnt do anything and I had to open a claim for them to investigate. I email them XX/XX/2023. I sent the receipt, photos of the card and all the information they requested and I havent heard back from them. This is disgusting and abusive. I need my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: Experian Information Solutions Inc.
State: NY
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 would like my fraud alerts removed from my Experian 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 non-monetary relief
Consumer complaint received 2023-08-14
Company: PNC Bank N.A.
State: GA
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:
There are numerous of charges that have been assessed to my checking account that I did not that I did not authorize I have contacted a bank and I have to have let them know about these charges and as of today that has not been any resolution There have been a few shots There a few items that have been returned back to me saying that they found no error One of them is with XXXX so the charges equal up to almost {$1000.00} where someone use my card or use my information I don't know how they did it and went in back to back on one day and charged up {$1000.00} almost {$1000.00} worth of merchandise at the same store It was not me I would never have went into XXXX and charged me before {$400.00} charge of {$150000.00} I wouldn't have never done that at the same store in one dayI was in XXXX shopping 4 days prior to these charges taking place and and purchased {$1200.00} worth of items because I didn't dispute all the items on my credit on my statement they are saying that they refuse to refund me back the items that would were were placed on my account that were fraudulent and not me there are other charges that are to my account that I am still waiting for resolution for one charge is for {$44000.00} which was supposed to be one transaction well this was not one transaction this was two transactions and they should have been reported separatelyOne for {$33000.00} XXXX There's {$170.00} that is missing that is unaccounted for I would like that money backI would just like for my bank to be transparent and their reviews I've asked for reports of information that was finding and I still have not received those reports as of todayThat was that would put me as the person who has made these charges There's a charge for {$180.00} from XXXX  This is not this is not my charge It isn't even a part of my XXXX account and I've asked for that money back alsoI have no access to my online account nor am I receiving statements through emailmonthly because I don't have access to my online account the statements that they do send I'm unable to view because I can not get on my online account which I've explained that to them therefore I am unable to check my statements regularly to see if there's any kind of activity going on that I am unaware of I think that is unfair I should be able to get access to my statements monthly so that I can monitor my account and be able to stay on top of it also I have been assessed fees when I'm using the bank branch ATM machines I want that money return back to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: EQUIFAX, INC.
State: ND
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The following account I have been disputing for years. It does not belong to me. 
LNVN FUNDING LLC # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: Phoenix Financial Services LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid off through XXXX XXXX XXXX on XX/XX/2018 This other company is trying to collect the same debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights under 15 U.S. Code 1681b - Permissible purposes of consumer reports

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 2022-02-04
Company: Winklevoss Exchange LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2021. I fell victim to a multilayered scam operation orchestrated by XXXX ( the Scammer ), XXXX : XXXX ( the Scam Website ), with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of XXXX USD was transferred from my wallet utilizing Gemini services

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: In progress
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: In progress
Consumer complaint received 2020-01-14
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I RECEIVE AN ALERT IN XX/XX/XXXX FROM THE CREDIT BUREAU 'S THAT THERE WAS SOME NEW ACTIVITY TO MY ACCOUNTS.I NOTICE THAT A NEW COLLECTION ACCOUNT FROM MIDWEST RECOVERY SYSTEMS, LLC FOR {$310.00} FOR XXXX XXXX XXXX WAS OPEN ON XX/XX/XXXX THE COMPANY REPORTED IT ON XX/XX/XXXX. I PLACED A CALL TO THE COMPANY ON XX/XX/XXXX AND WAS TRYING TO GET SOME INFORMATION ABOUT THIS ACCOUNT. INSTEAD THEY STARTED TO ASK ME QUESTIONS, SOCIAL NUMBER, ETC. I TOLD THEM I WAS NOT GIVING THEM ANY INFORMATION. IF THEY WAS ATTEMPTING TO COLLECT THIS DEBT THEY SHOULD HAVE ALL THE INFORMATION.I GOT NO INFORMATION. I DISPUTED THIS WITH THE 3 MAJOR CREDIT BUREAU 'S AND SENT MIDWEST RECOVERY SYSTEM I CERTIFIED LETTER REQUESTING THEM TO REMOVE THIS FROM MY CREDIT BECAUSE THEY FAIL TO FOLLOW THE GUIDELINES WHEN COLLECTING ON A DEBT. I NEVER HAVE HAD ANY COMMUNICATION FROM THEM PRIOR TO ME CONTACTING THEM.I WAS NOT AFFORDED THE OPPORTUNITY TO ASK FOR THE VALIDITY OF THE DEBT OR COLLECTION PRACTICE PRIOR TO PLACING THIS ON MY CREDIT. BY DOING THIS THEY HAVE CAUSE MY FINANCES AND CREDIT SCORES GREAT HARM. THEY SHOULD BE HELD ACCOUNTABLE FOR THIS.HAD I BEEN CONTACTED FROM THE BEGINNING ABOUT THIS DEBT I WOULD HAVE BEEN AFFORDED THE OPPORTUNITY TO DO MY DUE DILIGENT AND RESOLVE THIS MATTER WITHOUT IT GOING ON MY CREDIT REPORT. THEY GAVE NO ACCOUNT NUMBER FOR THIS COLLECTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: EQUIFAX, INC.
State: MI
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 previously sent my written request to Equifax about removing this information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of this inquiry or have Equifax get back to me with regards to the issue. Here is the inquiry that concern me : XXXX Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: CITIZENS FINANCIAL GROUP, INC.
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: Account status incorrect

Complaint:
After dismissing an adversary proceeding XX/XX/XXXX, I was told by attorneys including XXXX attorney that they would work with me regarding paying back loan. I am currently unemployed. XXXX only agreed for reduction of payments for 9 months MGRS which is not helpful. The interest accumulates. I have other private loans. I asked for another solution and XXXX said nothing else was available. My loans went back to Citizens Bank the original lender. XX/XX/18 Citizens offered forbearance but the form had to be mailed to me. XX/XX/XXXX XXXX XXXX from Citizens put account on hold waiting for forbearance. I filled out the form and faxed it to XXXX on XX/XX/XXXXas I was advised to and was told again by XXXX that forbearance was not available. XX/XX/18 received letter from XXXX that forbearance was approved. XX/XX/18 spoke to XXXX and told her my credit report was showing delinquent but my loans were in forbearance from XX/XX/18 to XX/XX/18. I am constantly given the wrong information by XXXX even though they escalate the call. I was told by XXXX that Citizens bank  didn't know that I had no options available.

Company response to consumer: Closed with explanation