BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-20
Company: Specialized Loan Servicing Holdings LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX acquired our mortgage and was charging our escrow account PMI even though our closing disclosures and transmittal paperwork showed that we were not supposed to be paying PMI. We received a notice and an escrow analysis showing that our escrow account was in the negative and XXXX was going to raise our mortgage payment by approximately {$400.00}. We contacted XXXX in XX/XX/2019to correct this error. A case was opened to remove PMI and have the escrow account refunded as we were never supposed to be paying PMI. We have been battling with XXXX for months now to correct their error. Their customer service is horrible. They do not follow through with their customers to help resolve issues. We have provided them with our closing disclosures to prove that we should not be charged PMI and also compared them to the documents they have on file. All of these forms support the fact that we should not be charged PMI. It is now XX/XX/2019and there is still no resolution. We have made our payments to them and they are holding the funds without applying them to our loan, which has made our loan appear delinquent. We have called them numerous times and been given the run around. We were assured that this issues would be corrected and it is still unresolved.

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 2023-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I've asked Capital One to stop sending me credit card offers. I already filed a complaint against them last year and I am again receiving offers. I want them to stop sending me credit card offers. 

Capital One sent me a credit card offer for their Quicksilver card in XX/XX/XXXX XXXX 

I don't want anyone intercepting my mail and applying for a credit card. I also have to spend MY time opening their mail and shredding my personal information. If I have to do this every week for multiple companies, it's a waste of my time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-25
Company: BAM Management US Holdings Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Binance asked for a memo on my transaction. I input the memo incorrectly. I have tried reaching out to recover my funds. But it has been two months now and they have yet to look into my claim. Binance is a FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am filing this complaint against Experian for reporting false public records, fraudulent accounts, incorrect addresses, outdated negative information and unauthorized inquiries on my credit file in violation of my rights under the Fair Credit Reporting Act. I have been a victim of identity theft and the items listed on my credit report do not relate to any of the transaction that I have made or authorized. I have provided Experian with police report and Federal Trade Commission identity theft report on numerous occasions.

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 2022-10-30
Company: Experian Information Solutions Inc.
State: SC
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 disputed items on my credit report 180 days ago and the incorrect information is still reporting inaccurate for Experian : I have disputed these account multiple times with no update throughout the entire 180 days. 

XXXX XXXX XXXXutility XXXXl XXXX installment { Listed incorrectly as a chargeoff } XXXX XXXX-installment XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX credit card XXXX listed incorrectly as a chargeoff }

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: Collins & Hilton Asset Group, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and I have been disputing information without knowing my true rights as a consumer. Per the FTC as a victim of identity theft the furnisher must delete and I have supplied the letter Notice to Furnishers. 

Per the Notice of Furnishers Information they must comply because of the inaccurate information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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:
Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. No response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, XXXX. XXXX XXXX, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of Inquiries that are still reporting on my Credit Reports : XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XXXX  XXXX  Inquiry Date XX/XX/2023, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2023 XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXX LL Inquiry Date XX/XX/2023 XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/2023 and XXXX XXXX XXXX Inquiry Date XX/XX/2023.

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 2023-06-09
Company: Exeter Finance Corp.
State: NM
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:
The account I am reporting is factually listed on my credit report incorrectly. The bureau is reporting file # XXXX, / Acct # XXXX, Original creditor Exeter Finance, as a Auto Loan. This account was a Credit Sale Agreement. I have the right to an accurate credit file and discrepancies like this are unacceptable. Please remove this account from my credit file immediately. In addition, In accordance with the Fair Credit Reporting everything on my credit report has to be 100 % accurate. The Credit bureaus stated my account was properly investigated but how can that be possible when the balance on the count mentioned below is not accurate. This is grounds for immediate removal of this account from my report. Also, for the following reasons, my rights have also been violated : 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, states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 c ( a ) ( 5 ) states ; no consumer reporting agency may make any consumer report containing any of the following items of information. I did not give any agency permission to share my personal information with XXXX XXXX XXXX. According to my credit report, the above account was noted as a repo. How can Exeter Finance, report late charges for a vehicle they sold at auction? This is also, grounds for deletion of this account on my credit report. According to my file, Exeter has this account as closed as of XX/XX/2023, I WANT THIS ACCOUNT DELETED TOTALLY FROM MY FILE. If this account is not removed within 7 days, I will hire an attorney and bring suit in the amount of {$15000.00}. This amount is {$3000.00} per each violation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) View full complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report and Bureaus Letters last XX/XX/XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
rebelliousnessXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX ; XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$730.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : - ; XXXX XXXX XXXX Balance : {$190.00} ; XXXX XXXX XXXX Original creditor XXXX XXXX XXXX : {$110.00} ; XXXX XXXX XXXXr XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXXn XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX IXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX 2022

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 2022-12-20
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Company denied applicant credit without basis, merit, and/or made decisions based on falsely reported credit information, law, or the lack thereof. 

TAKE JUDICIAL NOTICE that It is unlawful to be denied credit and/or to discriminate against any applicant as it is causes an adverse action pursuant to : Title 15 USC 1691 providing the scope of prohibition ; Title 15 USC 1681 providing Congressional findings and statement of purpose 12 CFR 1002.4 providing current regulation against discrimination, discouragement, and denials of credit 15 USC 1611 CHAPTER 41 providing for the Criminal liability for willfully and knowingly violating any portions of these codes. 

Applicant demands immediate reconsideration and/or opportunity to create and/or build a credit and/or banking relationship as the willingness and ability to lawfully maintain a commercial relationship is available.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Ive applied for credit card to build my credit my credit score was in the low 400 well since I got approved for the credit card my credit score with Equifax went to XXXX ok I applied for a loan with XXXX XXXX for a XXXX  in the amount of {$890.00} they denied me because my credit score is coming up in the low 400 and my score isnt right if they saw that I wan na no why Equifax sent them that score when I have disclosures where my new credit score as ofXX/XX/19 is XXXX  I  would like this matter taking care of cause my loan for a XXXX by XXXX  wasnt approved because of a low credit score was sent back to them had the new credit score been sent I would have been approved could u pls get this matter taken care of its weong to give a loan company that files for your credit score a false credit score and get denied for the wrong credit credentials thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: CITIBANK, N.A.
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:
Hard inquires on my credit report for XXXX XXXX XX/XX/XXXX and Sears/CBNA XX/XX/XXXX. This is both Sears accounts and I have not been to Sear for at least 15-20 years. and have not applied for any credit at Sears or XXXX XXXX. Can you correct this hard inquire and have it removed from my credit report. 

Thanks XXXX XXXX XXXX S.S # XXXX DOB # XX/XX/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 explanation
Consumer complaint received 2021-11-09
Company: Professional Finance Company, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PROFESSIONAL FINANCE C has reported an account on my consumer credit report in the amount of {$530.00}. I do not know who this company is. I have NEVER given written or verbal consent to anyone to pass my information along to this 3rd party company. I do not owe this company anything, I have never received any service from this company. Therefor, this company is furnishing unauthorized and inaccurate information on my credit report and that would be resulting in identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Experian Information Solutions 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: 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 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 explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 Merchants XXXX XXXX account numbersXXXX, and XXXX. 

15U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C section 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written Instructions.

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 2020-12-09
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am XXXX and have a checking and savings account at Wells Fargo and I live in two places because I am trying to get a permanent home and have been on XXXX for 16 years so my income is low. I had around XXXX dollars In savings to get a safe place to live its been 8 years since I have been in a home of my own. I have a XXXX  XXXX so I looked at my bank statement and there had been XXXX withdrawals over a month or so I did not do. I submitted a fraud and cried for a week that was the only hope I had to get a home of my own. They sent me a letter and basically said they had decided I did it or I had someone do this. I was so hurt I called them they treated me like I was lying. I swore to them that I did not do this and the man was rude they wouldnt even decays it. They sent me a letter that said they would send me the information on how they decided I did it in there investigation and I have not heard one thing from them I called back and they said they would turn it over to the next step up. But I have heard nothing. I have never done anything at my bank and then said I didnt. Thats all the money I had for a home, now I a XXXX. Please help me I promise my life on it I didnt do this. I live in a unsafe environment because I am low income and am prayed apon please help 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 2023-12-01
Company: Incomm Holdings Inc.
State: MD
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
I purchased a Vanilla Visa Gift Card from a merchant ( XXXX XXXX ) and put {$330.00} on the card through the merchant. The card was to be used to pay a critical utility bill. 

When the card was opened, there was no Security Code on the back. The box was blank. Called the Vanilla Gift Card number and they put a hold on the card and told me it could up to 30 days for a new one or refund. I sent all of my card pictures, personal ID and receipt to the email : XXXX. I am concerned I am out of my money. 

I am not able to get any resolution to getting my {$330.00} back. It was used to pay a critical bill but because it was deemed as a fraudulent card, I have not been able to get my {$330.00} back. 

Please help me get my funds back. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: BARCLAYS BANK DELAWARE
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 was on a flight back from XXXX. They were advertising the XXXX XXXX credit card on the flight. Saying to sign up and received enough bonus points for another trip. They told me each leg of the trip was XXXX miles and the card would give me a bonus of XXXX miles- enough for my wife and I to return. I signed up for the card, paid the {$95.00} and received the bonus miles. In attempt to redeem them- I find that XXXX miles for each leg is not a reasonable flight. XXXX miles gets you a flight to another city where you have to stay overnight, then fly out the next day to final destination. If I want a reasonable flight then I was told the cost would be a total of XXXX miles plus {$170.00} in tax. The option to purchase the additional XXXX miles was {$2500.00} + {$190.00} in tax + {$30.00} processing charge. This is misleading and overcharging. To book these same flights on a cash basis ( using no miles ) costs less that {$1000.00} for two people to travel. This company has misled me, forced me to pay a {$95.00} annual fee, and pulled my credit.

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 2023-08-31
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX  reporting negative reporting on my credit reports despite DC police XXXX. XXXX XXXX report that shows fraudently charges.

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 2023-02-03
Company: Dave Operating, LLC
State: WI
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:
Installed the dave app but uninstalled it as soon as I seen it wasn't free, now they are debiting my account every month and refuse to stop. I have never received a product or service fron them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Wells fargo kept over drafting me a bunch of day, also they with drew the wrong amount from my.credit card twice and then closed it.

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 2018-02-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I opened a new business checking account with Chase Bank on XX/XX/2018. 
I supplied all the information that the bank requested at time of opening. 
Since the account was for an LLC, i presented the following ; 1. ] Articles of Organization 2. ] Federal E.I.N. number 3. ] Nevada Secretary of State registration documents 4. ] Trust documents showing that the LLC is owned by a trust The account was opened and an initial deposit of {$1000.00} was made. 
Was notified about a week later that the bank wanted a copy of a rent receipt for the LLC. 
This despite the fact that I informed them at opening the LLC was merely a holding company for various securities [ stocks and bonds ]. 
Since the bank had opened XXXX business checking accounts for me for the same LLC over the past XXXX years, I feel that the bank mislead me!

Company response to consumer: Closed with explanation