BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-04
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage with Freedom Mortgage was refinanced through XXXX XXXX XXXX in XX/XX/XXXX. Freedom Mortgage received their payment on XXXX XX/XX/XXXX. At that time I had a balance of {$3.00}, XXXX in my escrow account that was due me. Freedom Mortgage claims that the payment was sent on XXXX XX/XX/XXXX. On XX/XX/XXXX, I called Freedom Mortgage to inquire about the status of the payment. I was told that they would take no action to track the payment until it was 30 days past due. When I asked for a tracking number so I could track the payment I was told that Freedom Mortgage does not provide that information and would take no further action until 30 days after the date they claim they sent the payment. I also asked about my year end statement fot tax purposes and was told that the " only obligation they had was to provide that statement by XXXX. I did not receive that statement until XX/XX/XXXX. Freedom Mortgage has been a horrible company to deal with and should never be allowed to handle VA mortgages. If I were 1 day late in sending a payment they would change me hundreds of dollars in late fees. In fact, I was on an auto pay system and my escrow charges changed by XXXX cents. Instead of notifying me that the amount changed they charges me {$350.00} in late fees three days after the payment was due. A very disreputable company.

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 2020-04-30
Company: Experian Information Solutions Inc.
State: AR
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 went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$120.00} XXXX/XXXX  XXXX {$0.00} XXXX XXXX   XXXX {$450.00} XXXX  XXXX {$12000.00}

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 explanation
Consumer complaint received 2018-10-04
Company: U.S. BANCORP
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I applied for and received a US Bank Platinum Visa credit card for the sole purpose of transferring higher rate balances to a 0 % interest rate for 18 months. I was approved with a credit limit of {$15000.00}. I successfully transferred {$10000.00} balance to this card and attempted multiple times to transfer {$4200.00} and {$5000.00} amounts to this card and both were denied due to " insufficient funds ''. I received these notices in the mail. I finally called US Bank today and they told me I was only able to transfer 92 % of my total available credit. This information is nowhere to be found on-line or in my statements. They informed me that the information was in my credit agreement but could not tell me where it states that information. I have never heard of this stipulation and certainly wasn't aware of it when applying for this credit card. I will be reviewing my credit agreement once I receive it in the mail, which they said will take 10 days. In addition to not being able to show me where this information/rule is stated, they were very rude about it. I'm disappointed as this has been my primary bank for over 10 years. The poor customer service is one thing, but being misleading about this balance transfer offer is unacceptable. Even when going through the on-line process of a balance transfer, nowhere does it indicate that only a portion of my available credit can be transferred. It actually states that up to my credit limit can be transferred.

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 2021-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My personal information is incorrect with XXXX, TransUnion, and XXXX. They all have inaccurate personal information on 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 2021-02-04
Company: CarMax, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 

XXXX XXXX XXXX  XXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXX XXXX Open date XXXX XX/XX/XXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Open date XXXX XX/XX/XXXX CarMax auto finance Open date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Open date XXXX XX/XX/XXXX Enclosed is a copy of my Identity Theft Report, supporting my position.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Credit Collection Services continues to furnish information on credit file. During the time of service, I was XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: EQUIFAX, INC.
State: OH
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:
Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My name is XXXX XXXX and I am a natural man submitting this complaint on my behalf and without any third-party involvement. This is a request for a correction of the inaccurate, erroneous, and unverified information on my consumer report. Please conduct a reasonable investigation and take appropriate action and promptly correct the information in accordance with FCRA section 611-15 USC 1681i ( a ) ( 1 ) ( A ) ) upon receipt of the attached dispute to prevent further invasion of my privacy and damage to my consumer credit reputation. Attached is a copy of the dispute submitted to Transunion, 2 forms of identification ( Driver 's License, XXXX bill for proof of address ).

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 2023-04-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
as ofXX/XX/2023 i have noticed fraudelent accounts and inquiries on my credit report account name : XXXX XXXX account # : XXXX open date : - date of last payment 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 non-monetary relief
Consumer complaint received 2021-02-04
Company: Sequium Asset Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2021 I received an alert from my XXXX XXXX XXXX that a derogatory issue was added to my credit account. I opened the mail and saw the name as Sequium Asset Solutions. I called my bank to get the telephone number. I called the company. They said it was a bill for XXXX XXXX XXXX XXXX for {$1000.00} some dollars. They asked did I ever live on XXXX XXXX in XXXX. I have never lived at this address and never did any business with XXXX XXXX XXXX XXXX. This is fraud. I have no knowledge if this bill or this address. 
Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: EQUIFAX, INC.
State: MO
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 called to inform the credit bureaus about inaccurate inquiries as a result of I never I authorized them. This was in XXXX and I also sent my last letter on XX/XX/2020. Someone had to use my name so I reported them to the burueas ( XXXX, Equifax, and XXXX ) .I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy Also, this was reported on my account and its still showing on my report. This has not been taken seriously and I contacted the original creditor and I contacted all 3 burueas on multiple occasions through phone and letters. The original creditor sent notices to all 3 burueas about this should be removed from my report because I never authorized this and but it still remains on the report. This matter is serious but i am being taking advantage of and my consumer rights are being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Can't connect my PNC account to my XXXX XXXX account, even though PNC sends me a message saying my account was connected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: WELLS FARGO & COMPANY
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:
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 

XXXX XXXX XXXX  XXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXX XXXX  Open date XXXX XX/XX/XXXX Wells Fargo bank Open date XXXX XX/XX/XXXX XXXX/XXXX  Open date XXXX XX/XX/XXXX XXXX XXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXX  XXXX  Open date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Open date XXXX XX/XX/XXXX Enclosed is a copy of my Identity Theft Report, supporting my position.

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 2019-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contracted the debtor on the XXXX on XXXX requesting my signature proving this was my debt and or that i had paid the account late. The companies are reporting information to my 3 credit reporting agencies without any validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors.

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 2021-03-29
Company: Absolute Recovery Services, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Absolute Recovery Service XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX  {$8800.00} i went to court and the judge said that i do not owe this money and XXXX XXXX  asked for me to vacant the unit on XX/XX/XXXX and the judge agreed and i moved out on XX/XX/XXXX relocated to my current city and received a court summons for XX/XX/XXXX for the same money that Absolute Recovery is trying to collect from the same Apartment company that the judge said i do not owe. They are taking me to court with another judge because they did not like the first judge agreement who saw my receipt of paying these people {$4000.00} XX/XX/XXXX prior to moving into the unit on XX/XX/XXXX and they filed court detainer on XX/XX/XXXX to evict me from the unit after they took over 4 months in rent from me and now trying to extort over {$8800.00} from me after the judge told them that she will not make me pay them this money. they are in collections for the {$8800.00} and the courts trying to extort funds of {$3900.00} from a XXXX person who lives off {$200.00} per month in income and do not reside in their unit and have not been in XXXX since XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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/2020 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2019-02-21
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
On XXXX XX/XX/2018, I arranged an on-line wire transfer of {$500.00} from my HSBC-XXXX  account, to initiate my new HSBC-US account. The US branch deducted their standard {$15.00} wire charge from the deposit, but summed this as {$470.00} - a XXXX discrepancy. In addition, the wire charge has shown up a second time on my online statement. In total, HSBC-US has incorrectly deducted {$25.00} from my account. 

I have tried to resolve this with HSBC-US ' customer service phone line 4 times, plus 4 times using their 'bankmail ' service, without success : They just say that the missing {$25.00} " must be '' fees deducted from my transfer amount by the sending XXXX branch ( I have confirmed with the XXXX customer service that this is not so ). I have, at least 3 times, offered to send copies of the paper outgoing and incoming Wire Transfer Advices, which clearly show that the discrepancy is within the US branch. But they don't seem to have any interest in seeing these.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-07
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
during the time of all the disaster and covid-19 i was facing ahardship with financial, death in family, military service entry from XXXX to XXXX when i was XXXX XXXX due to serious XXXX XXXX, XXXX  issues and high medical bills that made my mortgage fall so far behind when i serve or aware of the foreclosure until i was in the house and XXXX sent XXXX to my property and place pad locks on the door included locks change, I tried to contact XXXX foreclosure department and didnt seem to get any responds back til 10 days later. So i was so emotional stress end up with a XXXX XXXX when i decided to apply for a loan modification got approve for only a week after i sent the payments in and never receive none of the payments back. i contact me a lawyer but couldnt afford one at the moment, i hire a realastate agency to listed my property for sale. as i listed it XXXX   wanted more money on the property more than its worth, so the buyer back away from the deal in buying the property and the realastate failed to submit documents to the banks so it expired the offer too. I have evidence of everything that occur with XXXX XXXX  and proof. Please i appreciate that you look into this matter or my attroney will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Winklevoss Exchange LLC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I tried to do 2 wire transfers from my XXXX  XXXX XXXX account to my Gemini account to buy bitcoin. These are all legitimate funds that I made investing in stocks and crypto over the past several years. I broke it up into 2 transfers because XXXX XXXX XXXX XXXX online system had often in recent history not allowed me to do transfers over a certain amount. For some reason, Gemini rejected both transfers. The transfers were made on XX/XX/21. One was for {$900000.00} the other was for {$950000.00}. The {$900000.00} rejected transfer was properly credited back to my XXXX XXXX XXXXXXXX account on XX/XX/21. I have not received the rejected {$950000.00} wire transfer back in my XXXX XXXX XXXX account ( and it isn't in my Gemini account either ). 

Gemini literally has no support - no way to reach them. I've contacted them through messages on XXXX  and email over the last week with zero response. XXXX XXXX  XXXX has very little support as well, although they did at least respond to my XXXX message saying they are looking into it. 

I am worried sick ( literally ) about the whereabouts of my {$950000.00} transfer. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
Bank of America offered me an auto loan at 2.75 % interest since I am a Preferred Rewards customer. A pre-approval letter was provided after they checked my credit. However the letter stated New Vehicle instead of Used, and they never corrected it. When the first auto deal fell through, and we decided to get a different vehicle from the dealer for a higher amount, the Bank asked for 8 % interest. No explanation was given, and no further phone calls returned. We ended up getting the loan from our credit union instead at 2.74 % interest. This is not the first time we have had issues with Bank of America when it comes to lending. They do a very sloppy job, and don't hold their loan officers accountable for such misconduct.

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 2020-07-06
Company: EQUIFAX, INC.
State: NV
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:
The lease was paid in full at the end of 36 months. After we dropped off the car and was told that everything was done, four months later XXXX contacted us to tell us that we owed a drop off fee. This was never disclosed at the actual drop off of the car. When it was brought to my attention, we immediately paid the bill. XXXX never mailed us or called us to bring to our attention that we owed anything until 4 months after the actual drop off of the car. Ever since then, XXXX has wrecked havoc on our credit. Saying we missed 4 months of payments. Then saying we was late 90 days twice in two different years. If you check our accounts, we had a perfect payment history with them on three separate accounts. Even now on our experian accounts, the account in question shows paid in full 100 % on XX/XX/2018 followed immediately by a 90 late accusation. We've asked XXXX to fix this and filed disputes with the credit agencies to no avail. All XXXX does is keep misreporting and affecting mine and my wife 's credit. Please remove this erroneous blemishes from our credit report

Company response to consumer: Closed with explanation