BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have provided proof that XXXX XXXX XXXX is reporting the wrong balance to my credit report. They have even sent me a letter providing my balance. XXXX is reporting false on my credit report. This is a violation

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 2021-10-11
Company: World Acceptance Corporation
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This account was opened in XX/XX/ XXXX it has been closed. They have switched the account to another internal account with a different account number lied about me making payments I never made to keep it active while also toying with my credit nonstop, one month they change the payment history the next month its changed again.

They have charged off the account and now all of a sudden they are also trying to put it in collections because its coming up on seven years. I have no collections on my credit and I will not stand for it Im trying to build my credit to buy a home and this corporation is doing nothing but trying to hold me down on every level on every turn. The information is incorrect they have blatantly lied over and over it must stop. I have all the records to prove this. This is beyond bad business practice this is downright lying on there part. How Can anyone get ahead in life when I have to deal with corporations like this Im just one person but I will not give in and I will prove to whoever I need to they have lied and lied and lied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX XXXX I received a phone call from card services - for a Bank of America credit card. The rep on the phone explained that this call was an attempt to collect a debt for a Bank of America credit card with a balance of {$580.00}. 

I told the rep I never had a Bank of America credit and I went on to ask her when the account was opened she said the account was opened in XXXX and the last payment received was in XXXX from a XXXX account. I 've been a Bank of America customer for 11 years with a checking and savings account. 

I contacted the fraud department the very next day and they said they would investigate the matter. I recently received a letter from Bank of America fraud and claim team with the following message : After a thorough review, it has been determined that statements were mailed to you and payments were made. As a result, you 'll be responsible for any balance on the account. 

I was n't asked any information to substantiate my claim about this account being opened fraudulently. Nor did Bank of America provide me with any proof they used to verify that this account belongs to 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 2021-04-15
Company: BAM Management US Holdings Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
I wish to file a formal complaint regarding the company BAM Trading Services Inc. hereby treferred to as BINANCE.US where I hold a trading account with assets worth in excess of {$1500.00}. 

I am disputing a {$250.00} transaction that occurred on XX/XX/2021. 

Through their online trading and direct deposit service, I requested to credit my BINANCE.US trading account with {$250.00} via ACH from my bank. BINANCE.US website service presented me with an error that the transaction failed. 

I attempted the same transaction and it succeeded. However when I looked at my bank statement, I saw that BINANCE.US had withdrawn {$250.00} on XX/XX/XXXX as well as {$250.00} on XX/XX/XXXX. Yet BINANCE.US never credited my account for the second transaction. 

There is no direct contact information or option to call or email directly so I opened a support ticket using the BINANCE.US website to dispute the {$250.00} transaction that had never been credited to my account. This support ticket has never been responded to and remains open to this date. 

After several messages sent to my support ticket did not receive responses. I informed my bank to enact a chargeback for the {$250.00} amount. My bank investigated the matter and sent me a notice saying my dispute was valid. They have since credited my bank with the {$250.00} amount. 

On XX/XX/2021, BINANCE.US sent an automatic email to me stating that a chargeback had occurred, they matched it to the XX/XX/XXXX transaction that succeeded and said nothing about the second XX/XX/XXXX transaction that was never credited to my account. The email instructed that I needed to deposit {$250.00} to restore my account to good standing. I am unable to make such a deposit since my XXXX ACH deposit ability is now frozen. They have threatened to liquidate my account holdings valued at over {$1500.00} if the deposit is not made within 7 days. Most worrying is that BINANCE.US have locked my trading account so that I can not withdraw or trade my {$1500.00} worth of assets that they are holding hostage. 

I have opened another support ticket with BINANCE.US to try and establish communications with the company but have received no response. 

I have proof in the form of PDFs and screenshots that show BINANCE.US withdraw the {$250.00} amount twice but only credit me once in their account. I also can provide a copy of the letter I received from the bank that determined my dispute is valid. 

I am requesting that you send a letter to BINANCE.US informing them that they must restore access to my trading account and allow me to withdraw my assets which far exceed the value of the dispute. 

Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My husband and I have a XXXX XXXX credit card for XXXX years more or less.One day my son told me if I new what account care was while going over my statement and if I new that I was paying for it, I said no I do n't know anything about it. this was around XXXX and my husband of 45 year has XXXX  away and my son was looking at all of my financials. 
I told my son to call XXXX XXXX card to cancel the account care service to no avail, my son called many times. So I was forced to pay for all those years even after I was aware of it. 
I want to know if I have rights from the award that XXXX XXXX XXXX card awarded it to their costumers for fraudulent account practices. 
Please respond at your earliest convenience. Sincerely. Yours Truly.

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 2017-11-15
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
My information was compromised due to the Equifax negligence. I contacted Equifax about this information. Equifax has granted the TrustedID program and waiving the freeze fee by Equifax. However, there are other agencies where my information is at risk due to what Equifax has done. I have to put a freeze on my account with those agencies as well. Those freezes cost money. Equifax should cover the fees of putting these freezes on my account with other agencies because without the negligence from Equifax I would not have to put these freezes on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have provided proof that XXXX XXXX XXXX is reporting the wrong balance to my credit report. They have even sent me a letter providing my balance. XXXX is reporting false on my credit report. This is a violation

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 2021-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The particular account CAPITAL ONE opened XX/XX/XXXX that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks 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 2017-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX I called Capital One to get my balance so that I could pay off the balance in full. On XX/XX/XXXX, I paid the balance that was quoted to me on XX/XX/XXXX. When I received my statement, I had been charged interest. When I called to find out why I had been charged interest when the balance had been paid before my billing cycle date, I was advised that it could take up to two billing cycles before the interest charges would stop. We have a total of 4 accounts. We paid the balances on all 4 accounts. We have received invoices for 2 accounts that have been charged interest. I feel that the other 2 statements will also have interest charges. I was only able to list one in the field for the account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: CITIBANK, N.A.
State: NJ
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: Card was charged for something you did not purchase with the card

Complaint:
I was sent a case of wine that I did not order, from a company that had my credit information from a precious transaction one year ago.

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 monetary relief
Consumer complaint received 2022-10-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being I have rights under 15 USC, 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the account listed below be removed because A According to 15 USC 1681 : I have a right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX  XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$1400.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$2200.00} In good standing XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX {$8900.00} In good standing XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX {$3900.00} In XXXX standing XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$5800.00} In good standing XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX {$3500.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$6000.00} In good standing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
They called my employer acting as if they are acting on behalf of XXXX county courts representing themselves as a proceedings office reading off allegations using threat tactics if i dont satifsy the account. Leading my employer to believe that i would be served with arrest papers at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: Debt Management Partners LLC
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The company calling me is also calling my sister every hour claiming to call themselves XXXX XXXX- number is XXXX or XXXX, they sometimes call from an unknown number so you can not block the number. They scream into your VM and threaten you, claim they are going to come and take my car, put a tag on my drivers license, put an arrest warrant out for me, etc. If this was an actual bill collector, they would have had something sent to my house, and/or legal papers delivered! The man also told me if I continue to hang up on him, he will continue to harass my family members, as of which he is doing, every hour of the day, starting at XXXX XXXX. When you call them back, they are rude, will not give you names and get loud and violent over the phone with you. If you call and no one answers, their VM will state that it is full, so you can not leave a message.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: MIDFIRST BANK
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage was held by a company called XXXX XXXX. I took advantage of COVID forbearance and at the end was offered a modification that took my mortgage to the $ 2500/mo range . In the middle of this modification my mortgage was sold to a company called Midland Mortgage, part of Midfirst Bank ( loan number XXXX ). Midland is either completely clueless or, I suspect, is actually trying to deny me the modification I am entitled to through the various federal COVID relief programs. 

My last mortgage statement was only showing an escrow amount of {$230.00}. This is insufficient to cover my PMI, homeowners insurance ( $ XXXX ) and property taxes ( over $ 8000/yr ). When talking to them they said my actual mortgage payment is going to be nearly $ 3000/mo. I can not afford that and it is contrary to the documents I had already signed with the previous mortgage holder for the modification down to {$2500.00}. When I asked to speak to a supervisor, I was just transferred around among other tellers and left on extremely long holds. They clearly were just trying to wear me down. 

Again, it is my belief that this nonsense represents an intentional attempt to deny me relief that I am entitled to from the federal COVID relief.

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 monetary relief
Consumer complaint received 2022-03-01
Company: X5 Home Loans LLC
State: MA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am purchasing a new built home with a mortgage rate of 2.7 %. The initial VA appraisal was done, but a follow up was needed to confirm that everything that was described was completed. The original closing date was XX/XX/2022 but due to a delay with the builder I had to pay an extension fee to keep my rate. I paid about {$3600.00} and extended it to XX/XX/2022. I was told by my lender that we were waiting on the confirmation appraisal by the VA and that the XXXX would be fine. When the XXXX came around the confirmation was never received because the lender never notified the VA that the building was complete. I had to them extend my rate to XX/XX/2022 and pay an additional $ XXXX. I explained to the lender they should be responsible for the fee because they burden the appraisal process but they told me it was the builders fault and that if I wanted I could take my business else where. Every VA appraisal process article I read, explained that the builder is never involved with the appraisal process just the lender, as they have to use a portal to request it. I just want my second extension fee money back and the lender to admit his mistake in the matter. Im attaching my closing documents which show the fee and my email to XXXX mentioning this burden is theirs, however there was no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The website only has an option to lock your credit if you provide credit card info. I do not want to sign up for their service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX I am writing to dispute the following information that Two different credit card companies provided to Equifax , XXXX   and XXXX. The item that I want to dispute is negative payment history on my credit file. Below I left the name, account numbers and dates of inaccurate information. This item from XXXX XXXX XXXX is inaccurate because I have paid off my debt from this company. As well as being an XXXX XXXX XXXX at that time, whom had no knowledge of the SCRA Relief. This account has been closed for almost 8years and has reported in the last 3 years to my credit file. I am requesting that XXXX XXXX XXXX have the item removed or the negative payment history removed to correct the information. As well as XXXX XXXXXXXX  removing the negative late payment. There are addresses and phone numbers that I dont recognize as well. I ask that all addresses and phone numbers be erased from my credit file except the one listed above. 

Sincerely, XXXX XXXX XXXX/XXXX XXXX : XXXX Dispute late payment : XX/XX/XXXX XXXX XXXX XXXX : XXXX DISPUTE late payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: STATE FARM BANK, FSB
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To whom it may concern, State farm has a late reporting to my report XX/XX/XXXX and this information is incorrect. I called and spoke with a represenative she assisted me and said this was a mistake on state Fram system and that the reproting incorrect infomation would be deleted off the report. It is still showing late. The account was openedXX/XX/XXXX. The account was paid off in full and never used State farm closed the account its balance has been {$0.00} for 3 years. Its limit is {$6000.00} and its high balance was {$5900.00} in XXXX. The report was never updated as promised by State fram bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I.C SYSTEM INC tried to destroy my credit back in the year 2020 as a FRAUDULENT claim, this account has been PAID OFF for 3 years. 

I am attaching evidence of the fraudulent claim and reporting IC SYSTEM INC is doing to my credit. 

I am demanding to DELETE this fraudulent claim as this account was PAID IN FULL 3 years ago. 

DELETE FROM ALL BUREAUS.

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 2021-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 had fraud on my account many years ago. I was a victim of identity theft. Transunion no longer allows me online access to my account. FOREVER. The other agencies ( XXXX XXXX ) froze my account until the fraud was resolved then allowed online access again, not Transunion. They said they are protecting my information but in fact, are making me a victim again. They are limiting my access to my own information. And here is the worst part, I can still access the account by calling them, so they are not protecting the information any better by locking me out of online access. What they are doing is requiring me to sit on hold and punch codes and wait and take 30 minutes to do what I could have done online in minutes.

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