BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-01
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: Problem with personal statement of dispute

Complaint:
From outset of lease in XX/XX/XXXX, we repeatedly tried to have XXXX XXXX debit our account for the monthly lease payment. In XX/XX/XXXX, we sent XXXX the appropriate form to complete the transaction. Later we were told that this had been processed. As an elderly couple that occasionally travel, we assumed the matter was settled. Instead when we arrived home in early XXXX, we had been billed double the lease payment plus late fee. This indicated XXXX had not drafted our account. Promptly we paid their invoice and again went through the troubles of setting up this drafting. 

Driving 50 mile round trip to the XXXX facility in XXXX from where we had leased the car, the financial officer instructed us to again complete and file a draft authorization. Meanwhile XXXX notified us that we had to pay 100 % of the remaining lease immediately. 

Although the matter was finally settled, XXXX reported this to the credit bureau with the result that our good credit rating was adversely affect. I wrote to XXXX appealing this unjust treatment only to receive a reply from them refusing our appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I open and account with. Capital One 360 Checking and Capital One close my account without my permission because of fraud activity please help me fix this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: BARCLAYS BANK DELAWARE
State: CA
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:
We have a Barclaycard Ring Mastercard with Barclays. To date we have owed three payments, two made electronically through our bank, XXXX  XXXX XXXX, and one by phone. Both electronic payments were made on time, but both times Barclays claims not to have received the payment and charged us late fees. In the first instance, Barclays finally acknowledged the payment and reversed the fee. In the second, there has not yet been any resolution. We have contacted both Barclays and XXXX XXXX XXXX. 

Note Barclays for some reason does not accept electronic payments from other banks : the sending bank converts the payment to a check, meant to be received by the scheduled day. In both these instances XXXX XXXX XXXX sent the payment, to be received on time, and deducted money from our account on the schedule day ; in both instances Barclays 1 ) cashed the check five days later ( according to XXXX XXXX XXXX ) ; 2 ) did not acknowledge cashing the check even a week afterwards. 

Either Barclays back office systems are horrifically bad, or, more likely, this is a systemic practice to generate late fees and trigger higher interest rates based on penalty clauses.

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 2019-03-15
Company: CITIBANK, N.A.
State: MD
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:
I was recently scammed in XXXX with the XXXX XXXX XXXX scam, they claimed I picked up the suit 2 days later even though I was no longer in the city anymore and forged my signature. I provided all documentation and proof I was not in the city anymore and that I never got the suit because the address given was not the same place the driver took me. Credit card company refuses to open back the case after I submitted airline bus tickets food purchases as proof that I was not in XXXX, currently at a lost of {$610.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: Account Managers, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted XXXX XXXX and told them I wanted to lay my debt of XXXX   dollars and change. I was then told it was already in their legal department and their lawyer filed a case so I owed interest and lawyers fees. I was then told rudely if I dont show up on Monday XX/XX/XXXX to pay I was done and would be taken to court. I contacted the law office and the secretary had no idea what I was talking about cause they do injury claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
My elderly mother was contacted by Navy Federal about my accounts. I have previously told NFCU to stop all contact with anyone other than myself regarding my accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following addresses deleted.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. The following addresses and the variation on my name are not accurate. My name is XXXX XXXX please delete all other variations. I am no longer affiliated with these addresses XXXX XXXX XXXX CT XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX I would like to have my credit report to reflect true up to date information that is accurate. my current address is XXXX XXXX XXXX XXXX XXXX LA 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 2020-08-25
Company: EQUIFAX, INC.
State: VA
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 have several fraudulent accounts on my credit report. Equifax and XXXX won't investigate my complaint because they think a credit repair company is helping me. I AM THE ONLY ONE DISPUTING  FRAUDULENT CHARGES ON MY CREDIT REPORT. NO CREDIT REPAIR COMPANY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have several INQUIRIES on my credit report that are not AUTHORIZED. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report. These INQUIRIES listed are not AUTHORIZED and need to be deleted from my credit report : Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: EQUIFAX, INC.
State: OK
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 mortgage was transferred from XXXXXXXX XXXX to XXXX XXXX. I received notice of the change in XX/XX/XXXX. I have made all of my payments on time to both companies. 

My credit score decreased anywhere from 17 to 20 points because XXXXXXXX XXXX   shows my account as being closed and not transferred. XXXX XXXX does not show up on my credit report at all. 

The information is inaccurate and needs to be updated. 

Date of Loan XX/XX/XXXX Date Loan was sold to new lender : XX/XX/XXXX Prior Loan Number ( XXXX XXXX  ) XXXX XXXX XXXX Loan Number XXXX My contact information is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: EQUIFAX, INC.
State: NV
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 in disagreement with the items listed on my credit report as having late payments ... The credit bureaus refused to reverse the late payments..Not to mention they will not give me an explanation as to why they wont overturn or fix this inaccurate claim..It has greatly affected my credit score..I would like these items be fix on my credit report immediately ... 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have several INQUIRIES on my credit report that are not AUTHORIZED. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report. These INQUIRIES listed are not AUTHORIZED and need to be deleted from my credit report : Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Hunter Warfield contacted me on numerous occasions after I advised them the debt they are contacting me about is not valid. I also advised them I have spoke to the company regarding that debt numerous times and it is a bill that I am not responsible for. I explained to a number of customer service agents that I am currently having health issues and please do not contact me anymore regarding that account. Not only are they calling me numerous times I received a call from a family member on Friday ; XX/XX/2020 stating Hunter Warfield called them looking for me. I have no idea how they were able to access her contact information to try to reach me. 
I want the phone calls to stop because they are starting to harass me and due to my current health conditions I am not in an emotional state to deal with this. I am not responsible for this debt and I have explained this to them many many times. I want them to cease the phone calls and emails to me and my family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: Experian Information Solutions 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: Information is missing that should be on the report

Complaint:
XXXX XXXX XXXX  account ending in XXXX does not show on my Experian account.

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 2020-08-25
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had a few ( 3 ) rough months in XXXX. XXXX. I was told by dovenmule that I could not make partial a payment of the lump sum I owed and I my ONLY options were to make a XXXX payment, foreclose or apply for their loss mitigation program. In order to qualify for loss mitigation, I was told not to make any additional payments till I was approved for the program. I was also told that, by entering into the loss mit program, the payments owed would be deferred to the end of my loan. Now 4 months behind, I received the paperwork stating that I was approved and starting XX/XX/XXXX my payments would now be XXXX per month ( up from XXXX ). They did not defer the debt owed like they said, but rather jacked my payment up. I tried calling multiple times and was always transferred to my loss mit reps voicemail. She never returned my calls. I was told that my only option was to now pay the dept ( which was now XXXX ) or just make the XXXX monthly payments for the year. 
By XXXX I realized they were marking me as delinquent on my ( on-time ) monthly payments I was making. 
I completed my loan modification program in XX/XX/XXXX and was told throughout the year, once it was completed, they would be able to remove the 12 months of delinquency on my credit report since I did pay in full ( current payment + repayment of debt amount ) and on time each month. 
Today is XX/XX/XXXX. After sending many emails to XXXX XXXX  email address, I never was responded to. Today I called again and was FINALLY told that they applied each loan mod payment ( current payment + repayment of debt amount ) in its entirety to past due months only till the end of my program ( XX/XX/XXXX ). Which means that regardless that I was making full payments on time for all of XXXX, I was reported as delinquent the entire year. I was told by loss mitigation today that they will not remove derogatory marks regardless of what they said in the past. 
Then on top of that, they sold my loan to another company. When i called to make my XX/XX/XXXX payment they told me I could not as the loan was sold. i called the other company and was told that they transferred it delinquent and I needed to work that out with them. 
My credit is severely impacted by this and I want this resolved however they will not work with me at all. 
Attached are my payment statements from Dovenmule. As you can see there are 0 payments  between XX/XX/XXXX-XX/XX/XXXX. You can also see that payments listed are only for that current month and do not include the additional XXXX dollars I was paying each month. Attached also is my bank statements proving the XXXX payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: DISCOVER BANK
State: IL
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 recently became aware that Discover was charging me for a Payment Protection Program I never enrolled in. After inquiring with them, I was informed they had been charging me since 2010 for over {$1500.00}. Since I never enrolled in the program I requested a full refund but was only given a 6 month refund. After doing some research I found many customers were given full refunds but after asking multiple parties and supervisors to meet these demands I was still denied. They told me someone may call me back in 3 days or I could write a letter to their general mailbox. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
There are inaccurate accounts and personal info on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06
Company: The Receivable Management Services LLC
State: CA
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:
1. On XX/XX/2018, I sent an initial letter to Receivable Management ( " Initial Letter '' ) requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay {$250.00}.

2. I also notified Receivable Management that my Initial Letter also served as formal notice that I was disputing the claim.

3. I sent the Initial Letter via Certified Mail. The Initial Letter was delivered to Receivable Management 's Front Desk/Reception on XX/XX/2018 at XXXX XXXX A copy of the Certified Mail Receipt is attached to the Initial Letter.

4. Thus, XX/XX/2018 was the 30-day deadline for the notice of dispute to be reported to my XXXX and XXXX credit reports.

5. Upon investigation of my XXXX credit report dated XX/XX/2018 and my XXXX credit report dated XX/XX/2018 ( copies are attached ), Receivable Management did not furnish neither XXXX  nor XXXX  with the required disclosure within the period required by law. Receivable Management is required by federal law to place a " notice of dispute '' on my accounts within 30 days of my dispute, which was received on XX/XX/2018.

6. More specifically, Receivable Management violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act, Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.

7. Thus, it is my request that Receivable Management delete the {$250.00} entry as a result of it not placing the required notices of dispute on my credit reports.

8. Additionally, I never received competent evidence of the debt bearing my signature.

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 2018-07-02
Company: EQUIFAX, INC.
State: GA
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 filed an identity theft report through the FTC. I then provided said report to all three credit monitoring agencies with the request to remove all accounts marked as fraud and identity theft. Equifax has removed 3 fraudulent account but refuses to remove the remaining two fraudulent accounts from my credit report stating that that is their company policy. The accounts in question are XXXX and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-15
Company: ACIMA CREDIT, LLC
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
The company was not forthcoming with information that I had NSF fees due to them pulling and re pulling a payment. The company charged me every time that a payment was ran, while my bank shows that the only attempts made were successful. This cost me XXXX $ at the end of the line of credit. There was no notice on my account that anything was wrong. I was told that I could change the due date later, but as I showed each payment went through successfully I did not feel this was necessary. The way they charged these fees was very deceptive and they would only waive 45 %. This company is fraudulently charging NSF fees to make more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: Winklevoss Exchange LLC
State: PR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I use Gemini.com to buy cryptocurrencies. I placed a limit buy for bitcoin. When I go to cancel the limit buys, like I usually do or did, it says I can not and says this : The provided account is restricted and can not perform this action. 

This is unacceptable, I do not want to buy more crypto. I need to cancel these orders and Gemini won't let me.

Company response to consumer: Closed with explanation