BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-05
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I ordered my annual free report from " ChecxSystems '' Consumer Relations located at XXXX XXXX XXXX. XXXX XXXX XXXX, MN XXXX XXXX and received it Saturday XX/XX/2018 in there it has variations of my First Name, Middle initial, and Last Name. There were 3 variations of my current address. I Called this morning XX/XX/2018 to ask the Rep. if he can consolidate my Name variations and address variations and he said " I apologize but I can not do that '' I asked him to check the manual or with the manager, since in the past I would make corrections on the " Big 3 '' credit reporting agencies and had relatively no problem fixing up and consolidating variations, but he was unwilling to help in this matter. This is why I am opening this complaint since I do not believe that corrections and consolidations can not be made. 

Letter is by me should, and I will upload it when asked. 

Thanks

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 2019-01-21
Company: Ditech Financial LLC
State: MO
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Diatech is trying to collect over 35 thousand dollars from me on a home that was foreclosed on in XX/XX/2009. I have heard nothing from them until recently when i received a letter stating they were going to garnish my pay. This was a " bad '' loan and i actually a letter the Missouri Attorney General. I would appreciate if you would please help me in finding a resolution to this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: Resurgent Capital Services L.P.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
In 2017 my ex husband used my Information during our separation and got a credit card and left me in debt {$570.00}. I had no knowledge that my social and name was used to start an account because I am against even using credit cards back then and he never paid the bill and all mail went to him I assume because I was never sent any information about the credit card or that I was being sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: SIMMONS FIRST NATIONAL CORPORATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
transactions have been made an deleted from my account filed dispute still did not get my money back. double charges for items iv purchased. the bank wants me to close the acccount but the bank is the one who is taken my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: MD
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:
The Credit Bureaus ' efficiency and prompt attention to correct some of the adverse information previously stated on my credit file is appreciated. As of the moment I feel there is still account on my file that needs to be repaired. For that reason I request that f the attached inaccurate information listed in my credit file be FIXED immediately. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: ZIONS BANCORPORATION
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Zions is currently reporting negative account and balance information since XX/XX/2014. This account was settled and paid in a short sale back in XX/XX/2014. This acct is reporting in error and needs to be deleted.

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 2020-05-08
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Last month in XXXX I noticed my credit score take a hit. At about the same time I received a past due notice from my mortgage company. Looking into my credit report I had a 30-day late payment from Freedom Mortgage for XXXX. Just one problem, my check cleared the bank before 30 days was up. After numerous attempts to clear this up, I keep getting the same response. It's all my fault. 

I received a notice earlier this year stating I had a $ 400+ shortage on my escrow. I was left with two options. Pay the shortage and my house note stays the same, or do nothing and my house note will be raised accordingly. I chose to do nothing and my house note from XXXX reflected the raise in my house note with the new amount. 

I paid that exact amount but according to Freedom Mortgage, I mailed the check to the wrong address. So since I did that they decided to split my check up and distribute it however they saw fit. They decided to take $ 400+ out and pay the escrow shortage, even though they had already adjusted my house note accordingly, and I'm still confused about what happened to the rest. Either way, my check which was written for the exact amount of my house note was now short and I was now 30 days late. 

Now because of this, I have already had two creditors review my accounts and drop my available credit balances. That will hurt my debt to income ratio and drop my credit score even further. Even if they remove the 30 day late my credit will not bounce back to where it was before this. This may not even be the only 30 day late reported as I am still receiving late notices. This also may set off a chain reaction with all my creditors which it seems to be doing. 

I have spent hours on the phone trying to clear this up. It is a full-time job to get ahold of them and they always hang up on you once and make you go through it again. I have spent 3 hours just to talk to somebody and hear its ' all my fault.

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 2019-01-21
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: Information is missing that should be on the report

Complaint:
I try since XX/XX/XXXX to have an accurate credit report with equifax. 

They act like syndicate, no reply, wrong information and they dont care! 

Its my last request before to ask my lawyer to ask for damage because this situation has impact my life financially and its always with equifax! 

I ask you to report the right way my account loan : XXXX XXXX open XX/XX/XXXX in good standing 5 payment on time of XXXX $ Balance XXXX . 

I ask you to update and respect the law! 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I sent a request to XXXX, Experian, and XXXX XXXX to investigate an error that appeared on my credit report. They were supposed to respond within 30 days, but I have not yet received a response.

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 2021-07-20
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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: Information belongs to someone else

Complaint:
the following accounts appear on my credit report, without any authorization, they are not mine, please review them Identity Theft INFINITI FIN SVCS Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: American First Finance, Inc.
State: CO
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:
I leased a leather couch from American freight and XXXX XXXX Colorado, it was sofa and a love seat on XX/XX/2021 in the amount of {$1300.00} so the delivery date was set 3days After and when they brought the couch it was all scratched out and dusty with finger prints all over it the delivery guy told me it was a used couch they dont have brand new couch in the ware house I found a lot of damages so I called the manager and she told me if I can deal with it before they receive a new merchandise and I told her I cant so I returned the couch on the XX/XX/2021 but as at now the store is still reporting late payments on my credit when I dont even have the items no more I understand there are store policies but since the items were returned I dont have to make no payments and I want it to be removed from my credit or deliver me a brand new couch with no damage I have pictures of the damage I want CFPB to investigate and help me thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XXXX XX/XX/2020 I made a telephone payment of {$100.00} to my capital one visa using my XXXX  XXXX XXXX checking. This is something I used to do every month. Capital one withdrew {$700.00} instead of the intended {$100.00}. 
That was the total amount owed to the capital one visa that I owned at the time. When I discovered this I reached out to CapitalOne and they told me that in order to recover my money I would have to talk to XXXX  XXXX XXXX and they had nothing to do with the overcharge. After this incident CapitalOne sent me a letter stating that they suspected I was a victim of identity theft and that would explain such overpayment. CapitalOne replaced my credit card thee times and every time I get the new card I have to spend hours talking to them, theres always something wrong different credit line for example. I finally decided to close my account with CapitalOne when I checked my fico score and I found out it dropped about 40 points because they reported me late with my monthly payment. The reason I was late was the dispute about the amount paid back on XXXX XX/XX/2020. CapitalOne not can not protect my private information but they also charged me late fees and reported me to the credit bureaus unfairly causing me and my family lots of problems. We all understand the situation were living nowadays with the covid-19 pandemic. Someone please help me because I feel helpless specially when I try to contact CapitalOne and it seems that no one there can give a satisfactory answer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-05
Company: BB&T CORPORATION
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:
My account was reported 30 days late I was twice I have never been late with my auto account I have reach out to bb & t many times submitting my reference # exc showing that it was an inaccurate reporting they was suppose to rectify the error which it still shows and its preventing me from closing out a deal.

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 2020-06-25
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: UT
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:
XXXX XXXX is reporting these erroneous lates on my credit file. I traded in my vehicle and I was told that the remaining trade in balance would be paid the XXXX! This is why I went ahead with the trade. Now I'm seeing lates on my credit file after the trade in. I should NOT have any lates on XXXX OR XX/XX/2020. This lates are erroneous and I demand them to be removed. This is affecting my credit on someone else 's mistake!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Ever since I moved from XXXX to XXXX I've had nothing but straight hail from the credit of reporting agencies they say I got fraud they say they put freezes on my credit report that is not doing me any justice I worked hard for my for my good credit that I have I have outstanding excellent credit and now all my cards are being turned down for identity theft nobody has stole my identity I me I would appreciate you I'll get this off of all three of my credit report agencies so I can maintain my credit card use cuz I'm a upstanding citizen I fought for us in the war I demand accuracy and I'm who I say I am nobody else is me pretending to me nobody stole anything and there's no fraudulent things on my charge card straighten it all out XXXX XXXX XXXX XXXX all them cars have been put under review because of this XXXX this is XXXX  fix it now I live in XXXX  I no longer live in XXXX  my telephone number has changed I no longer have XXXX  numbers thank you so much

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 2019-11-19
Company: Second Round Limited Partnership, Austin, TX Branch
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This company has called me, my husband and our relatives about several accounts between my husband and I. They told my father in law that he's XXXX father of the year because he told them to stop calling. They are giving out personal information about the debts to my cousin. We also disputed with XXXX XXXX XXXX but no one responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
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: Investigation took more than 30 days

Complaint:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS. 

I HAVE SENT DISPUTE LETTERS ON XX/XX/XXXX-20, AND XX/XX/XXXX-20 BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED TWO 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. 
ALSO, THERE ARE ACCOUNTS REPORTING LATE UNDER, THE ACCOUNTS TO AMEND, WHICH SHOULD BE AMENDED TO SHOW, NEVER LATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Closed account with XXXX the end of XXXX bill paid in full, I dont owe XXXX. Never received a bill account closed before next billing cycle began. Its a scam, Idenity theft.. Received notice from collections today, I dont owe this bill I pay all my debts. Look at my credit I owe nothing.

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 2021-05-09
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I opened an account on Binance and then on BinanceXXXX there is XXXX in cash on BinanceXXXX and I have been unable to withdraw it or use it on the platform. 

XX/XX/XXXX : Opened account on XXXX whilst traveling internationally ( in XXXX XXXX XX/XX/XXXX : Sent virtual currency XXXX XXXX XXXX to Binance to purchase other virtual currencies XX/XX/XXXX : Opened a BinanceXXXX account at request of app because of my location being in the XXXX XX/XX/XXXX : Submitted documentation for basic identity verification XX/XX/XXXX : basic verification was successful XX/XX/XXXX : Submitted documentation for advanced verification XX/XX/XXXX : Submitted support ticket ( # XXXX ) t to find the status of my account. Received an email stating that my application is going to be reviewed in the order it was received. 
XX/XX/XXXX : Submitted another support ticket XXXX # XXXX ) and immediately received an email stating they are working through a high volume of tickets and that I should not create anymore tickets because it will result in longer wait times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: DE
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:
In XX/XX/XXXX I opened a personal loan with Santander, which was due on the XXXX of every month. In XX/XX/XXXX I missed my payment due date, as I was tied up on business travel. In ealry XXXX I called to make my payment ( forXX/XX/XXXX ) and was told after the payment was made that I would not be derogatoraly reported by the agent who took my payment. In XX/XX/XXXX I received verification that Santander did indeed report me 30 days past due. Ive been fighting them ever sense.

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 2021-09-22
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
this account is over 10 years old they keep furnishing my private consumer information without my consent i have contacted them via USPS XXXX certified mail number they have never responded the elotted 30 days with the original contract and wet ink signature they have violated my right because texas law only allows 4 years and this account is over ten years old

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
You show a bankruptcy on my credit report but XXXX has no record of a Bankruptcy on file. Please remove off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: Upgrade, Inc.
State: NV
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:
hello to whom this my concern I have tried taking care of this matter but customer service wouldn't take care of it so I'm reaching out to you guys I have these inquires on my credit report that I did not request and need you guys help to resolve this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Hello I am a seller on XXXX on the side and all of my items have great feedbacks from my buyers never a problem. But paypal decided to frozen my account for no reason. I have contacted them many times to recover my account I even provide the information they needed it. Spoke to 4 different representatives and each have give me a different story and one of them told me my account would be back up and running again in 24hours which was not truth. Finally today XX/XX/2019 I call them again they not even trying to call or give me updated unless i call them to tell me they are closing my account and my funds will be held for 180days for no reason. They could not give me no reason. I really need my funds to pay off my bills. PLEASE I NEED HELP WITH GETTING MY FUNDS FROM PAYPAL. THIS IS WRONG I HAVE DONE NOTHING WRONG THIS HAVE {$740.00} Of MY FUNDS ON HOLD

Company response to consumer: Closed with explanation