BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-24
Company: EQUIFAX, 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:
They added a XXXX card with XXXX debt on it to bring my score down 40 points. I disputed the card, they agreed it was a mistake, took it off, now my score dipped again. 

I have XXXX credit card debt, a positive bank account. No late payments in a decade this is their mistake causing my credit to dip which is negatively affecting my ability to buy a home

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: CITIBANK, N.A.
State: CA
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, CITI sent me a letter that says that credit has been made to my account in an ongoing dispute. To date, the credit has not been made. I called the dispute center on XX/XX/XXXX. The representative said that the letter had been issued XX/XX/XXXX, not XX/XX/XXXX as shown on the letter. The representative said that the account would be credited in 48 hours. I waited 48 hours from when the representative said the letter was issued, ( XX/XX/XXXX ) and no action. This dispute has been going on for five months. This is more evidence that Citi is not acting in good faith. In this dispute, Citi also issued me a letter saying that the issue had been resolved and that a temporary payment had been made permanent. However the temporary payment had been rescinded. Citi also said in writing that no further action was needed on my part, which is also simply not true.

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 2023-08-11
Company: DISCOVER BANK
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I reviewed my yearly free XXXX credit report on XX/XX/2023. I noticed the company Discover Financial Services was making a " soft inquiry '' on my account every month, for almost the past two years!! I have never applied for one of their credit cards. I do not have an account with them. I have no idea why they chose my account ( how many people are they doing this to? ) I called Discover Financial @ XXXX. I patiently had them connect me 4 times to 4 different people regarding my request to cease making unsolicited inquiries on my account. I also wanted to know why they are doing this. They said I needed to call XXXX. They would not assist me further. 

XXXX  @ XXXX stated I would need to put a " freeze '' on my total credit account only to be opened with legitimate inquiries later with a " PIN code. '' They could not help me with the request to have this company cease and desist with soft inquiries monthly. I am thinking XXXX receives funds from the company to allow them to do this, and this may be the motivation to continue this practice that feels like an invasion of privacy. Can you help??

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-29
Company: EQUIFAX, INC.
State: PA
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been sending written letters since XX/XX/XXXX with regards to my request of removing the inquiries in question and my last request was sent XXXX XXXXUpon reviewing my updates, incorrect information has been constantly reporting. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX of XXXX XX/XX/XXXX XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX XXXXDate of Inquiry XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
PHH Mortgage LN XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Short sale was started on XX/XX/19. There has been no end of issues with PHH on this file. ( Being bought by Ocwen has drastically turned their servicing for the worse. ) STILL Having MASSIVE PROBLEMS. PHH doesnt seem to know how to manage their documents. We continually have to re-send the same documents OVER AND OVER AND OVER AND OVER to them. They might even confirm they have received the document, but on the very next call we are told they have not received it and we need to send it in AGAIN!!!!!!! 

-- -- -- -- -- -THIS IS NOT ACCEPTABLE -- -- -- -- - If PHH can not  manage their documents they need to be shut down. 


Do we just need to send the short sales to PHH via a CFPB complaint from now on?? Maybe then, FINALLY they wont lose the documents? 

CC : 1. OAG 2. XXXX XXXX 3. OCC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: BSI Financial Holdings, Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been making by-weekly payments to my mortgage company, BSI Financial Services , for a while now, maybe like a year, but recently noticed on my monthly statement that they do not apply my first payment amount at all until they receive the second payment. I called them today, XX/XX/2023, and they confirmed that they " hold '' my first by-weekly payment until my second payment is received, which I don't think it's right. I was hoping to save on interest of my loan amount by reducing it making more frequent payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EQUIFAX, INC.
State: MD
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:
The Inquiries List Below XXXX XXXX XXXX  ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX XXXXXXXX ( Finance ) XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Finance ) XXXX XXXX  XXXX XXXX XXXX ) XXXX ( Miscellaneous ) XXXX XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX ( Finance ) XXXX  XXXX ( Bank ) XXXX XXXX ( Finance )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: CREDIT ACCEPTANCE CORPORATION
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Repeated violations of U.S.C. Title 15 1692 et seq by all person involved caused direct damages. We have in good faith given all individuals involved well over 12 months to comply with this lawful claim for damages. We have sent An AFFIDAVIT in good Faith which regarding this made-up debt on XX/XX/XXXX, as evidenced by USPS electronic delivery and have continued collection efforts in blatant violation of the FDCPA [ Mailing No. XXXX, XXXX, and XXXX ]. This criminal conduct has caused extraordinary damages to the health, personal life, credit score of XXXX XXXX, XXXX XXXX. The Attorney General has been sent a copy of this communication as the Attorney General 's Office must help with these ongoing illegal practices. These individuals ' unlawful actions include Defective products ; Car sales and financing ; Unlawful Auto repossession with XXXX XXXX ; Debt collection ; Making false, deceptive and misleading statements when attempting to collect a debt, collecting or attempting to collect any amount that is not expressly authorized by the agreement creating the debt or permitted by law, and falsely threatening that nonpayment of a debt will result in our false imprisonment or imprisonment. This information was previously sent to the Attorney General who chose to neglect this urgent matter, despite filing identical charges against XXXX XXXX on XX/XX/XXXX. This entity has been found guilty of all violations within this claim by the Massachusetts Attorney general in XXXX XXXX Please be advise that our consumer goods have been stolen without just compensation for XXXX XXXX and XXXX XXXX which XXXX XXXX XXXX  was given power authority originally over claim for damages. In good faith we will this agency of identity theft of personal identifying information which has a commercial value per agent per entity per usage at XXXX usd. XXXX XXXX XXXX  must compensate XXXX : XXXX on behalf of claimants. This is an emergency where the theft of the consumer good has caused direct inference with educational learning and enjoyment of life. Thank you in advance check can be sent to address within. 

c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Massachusetts

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 2023-03-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I closed with checking account ending in XXXX with Wells Fargo on XX/XX/2022. 

I have not received a check for the funds remaining in the account. I attempted to contact Wells Fargo twice. My first attempt I was on hold for over 2 hours without being able to reach anyone. My second attempt today connected me to a representative who hung up on me after I told him about my issue.

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 2022-10-28
Company: EQUIFAX, INC.
State: MA
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:
I have continued time in and time out to correct closed accounts account balances information being incorrect and each time its disputed its denied without properly reviewing particularly theres an account with XXXX XXXX  that shouldnt even be on my report because the company did not follow the proper channels that the fair credit reporting act follows never received documentation never verified the debit was valid nothing even called the bureau today to see if I can get copy of the documents and no help so this is why Im filing this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Winklevoss Exchange LLC
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Hello, I opened an account with Gemini Trust Company , LLC ( Gemini Exchange, LLC ). cryptocurrency exchange and custodian on, XX/XX/23. I transferred collectively {$13000.00} to the platform from my XXXX XXXX account and purchased cryptocurrencies ( CC ). Since XX/XX/23 Gemini has blocked withdrawals on my account. After a month of adhering to and fulfilling security protocols for my account, and sluggish and no response from the Gemini support team, the company refuses to allow me access to my CC to transfer any of my CC out of my account. They are effectively holding my CC without my consent and refusing to give it back to me without any justification. This includes refusing to allow me to send my CC to a competitor XXXX, which is a US Publicly traded company for CC exchange. This amounts to theft as I no longer have control of my funds and they have been taken without my permission. 

I can send you all communications that have occurred with their support team. 

This is how they identify themselves in their communications : Gemini Trust Company , LLC ( d/b/a Gemini Exchange, LLC in AZ, CA, DE, FL, HI, ID, IL, KS, KY, MA, MI, MN, NC, ND, NM, OH, OR, SC, SD, UT, and VA ; d/b/a Gemini Exchange in AK and WA )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XXXX2023 I sent to XXXX, XXXX and Equifax the letters pretaining to the removal of personal information due to identity theft I sent in the forwarding documents and I received no response nor was the information removed. XXXX keeps reaging accounts that should have been removed and they fail to remove information that is incorrect.I feel that XXXX is retailiating against me because I am a consumer in the class action lawsuit against the company. 15USC 1681 I ( 5 ) States that everything has to be complete and accurate. 15 USC 6802 States " No financial institution is suppose to share my information to third party people. My federal consumer rights are contioniusly being violated. 15USC 1681 section 602 A, states " I have the right to privacy, also 15USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. In which these accounts are violating my rights. acct # XXXX XXXX XXXX/ ( XXXX XXXXXXXX XXXX, acct # XXXX XXXXXXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX ) acct # XXXX XXXX XXXXXXXX, acct # XXXX XXXX XXXX. 
15USC 1692 section 805 A in which XXXX XXXX XXXX and XXXX XXXX XXXX has violated my rights as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have 4 open disputes on derogatory reports filed by XXXX XXXX XXXX , on my student loans. There is one payment due monthly to XXXX, the loan servicer, but there are apparently 4 separate accounts. 
I submitted a payment on XX/XX/2023 in my time zone ( PST ) prior to XXXX PST, bringing me less than 60 days past due but was incorrectly reported to the credit reports as 60 days past due on my 4 accounts with them. 
I am a California resident, and on my email payment confirmation, included with this correspondence, there is an asterisk that states ( boldened and underline added ) : * For California Residents, payments received on or before XXXX Pacific on your payment due date will be made effective the date on which the payment is received. 
Therefore, the XX/XX/2023, payment made before XXXX Pacific should have been made effective on XX/XX/2023, and the account was not 60 days past due as reported to the credit bureaus. I request all 4 derogatory marks be deleted 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 non-monetary relief
Consumer complaint received 2019-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Identity theft victim

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 2022-09-23
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act. The List accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : The XXXX XXXX / XXXX Account number : XXXX *** XXXX XXXX Account number : XXXX Experian : XXXX XXXXXXXX XXXX XXXX Account number XXXX *** Experian XXXX Account number:XXXX 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 my 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 antedate 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 reporting consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-04-24
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Issue : There are Contingency Funds, which were financed in my XXXX Loan. These Funds were supposed to made available to me. My loan was sold to a servicer. I inquired to the Loan Servicer about these Contingency Funds. And what the process was to use the remaining funds. I was told that I had to have my contractor submit an invoice for the work to be completed. I was never given any additional information on dates or restrictions. After the final draw was sent. I inquired again and then was told that I would not receive the Contingency Funds. As my loan was closed and the money was applied to the principal balance. When reviewing the document I signed. It states that there is a HUD form to be completed. Requesting the Contingency Funds. Any remaining Contingency Funds would be applied to the principal balance. I was 'never ' allotted an opportunity to use these funds. Nor was I advised of the required HUD document when I inquired about the process. I was provided inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Personal information incorrect

Complaint:
In Accordance with the fair credit reporting act XXXX XXXX Has Violated any rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Bread Financial Holdings, Inc.
State: CT
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:
Hi, Today I applied for a XXXXXXXX XXXX XXXX that advertised I was pre-approved and would be able to use a temporary card the same day with 25 % off my purchase. When I applied I could not use the temporary card that was issued. I called XXXX who told me to call Comenity Capital Bank. I called the bank today and they did not have any idea of what I was referring to, no one could help me as no one at the company had access to the temporary credit card that they themselves advertised. If you XXXX this issue youll see that this false advertising has been occurring for some years now. The bank has told me that I have to wait for my physical card. If I knew I had to wait until my physical card came in then I would have never applied. This is false advertising by definition. They knowingly falsely advertise the promise of using a temporary card instantly which is what hooks people in to apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: PA
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 and 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 2015-11-12
Company: PNC Bank N.A.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
PNC Bank Shows I have the money in my account but they play games with the posting date. Then they charge you a overdraft fee this has happened 2 times to me. For a {$36.00} dollar charge 2 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit report is saying I have a over the limit credit card with Capitol one with a {$200.00} limit and is saying it is over the limit. This card does not exist. I called Capitol one to confirm this card does not exist and it is still on my credit report. I have one credit card with capital one and it is showing two different accounts

Company response to consumer: Closed with explanation