BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-03
Company: BSI Financial Holdings, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was refinanced and owned through XXXX in late XXXX, but moved to BSI in XX/XX/XXXX. During the transition a {$450.00} fee was showing on my account under 'Fee Billed ' on XX/XX/XXXX. I have never historically or currently missed or been late on a payment ever. I called BSI 4 times over a 3 week period to understand what the fee was for and get supporting documentation and the company kept telling me that it would be awhile until all documentation would make it over " during the transition '' but that I needed to pay to avoid penalty even though no one could give me any information on the fee or supporting documentation. 

In XXXX of XXXX, 6 'Fee Billed ' charges have shown up on my account with the following dates and amounts : XX/XX/XXXX {$130.00}, XX/XX/XXXX {$180.00}, XX/XX/XXXX {$110.00}, XX/XX/XXXX {$67.00}, XX/XX/XXXX {$45.00}, XX/XX/XXXX {$270.00} and XX/XX/XXXX {$45.00}. Upon seeing these charges mid XXXX, I called BSI on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and XXXX to get a response on what the fees are with supporting documentation. NO response has been provided to-date. What kind of company can EVER charge a fee and not know what it is for and have detailed documentation to support that. I asked that my request be escalated on XX/XX/XXXX to a Manager and was given XXXX as my contact. She promised me a response no later than XXXX. When I called back on XXXX I got her voicemail and no call back. I called the main # again on XXXX and was told she left the company! This is FRAUD. 

As noted above, I have NEVER missed a payment ever on my mortgage. The only other relevant item is that the City offered $ to us due to a water project impacting our property and new easements. No money has been received to-date as we are unhappy with the offer. However, this was back in early XXXX and as CONFIRMED with XXXX there is no mortgage $ owed by me given the equity value we have in our home. 

I need a response ASAP on : What are all 8 charges are for WITH line item detail that supports how these are in relation to any misconduct or breach of contract on my end These fees and this process is beyond fraudulent and the fees need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Experian Information Solutions Inc.
State: MA
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2022-01-28
Company: EQUIFAX, INC.
State: MA
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: Square Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2021 from XXXX XXXX to XXXX XXXX 6 transactions of {$250.00} came from my cashapp account to and the recipient with $ cashtag $ XXXX. I had {$15000.00} stolen in 1 minute. I hadnt even heard of this account before nor was I even awake when this occurred. By the time I woke up ( XXXX XXXX  ) I immediately tried to requested a refund from the account that stole and tried to dispute them as fraudulent and contact cashapp to inform then that I had been hacked. 
Immediately I received an automated email telling me basically nothing and that I needed to send the information to dispute through their email. I then responded to the email and continued to get the same automated email 3 more times before they informed me that since my device made the transactions that my claim was denied and they will not be refunding my money. Which isnt possible seeing as I was alone and no one was on my device, not even me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: EQUIFAX, INC.
State: TX
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 XX/XX/XXXX, I sent a letter to Equifax disputing an account with XXXX XXXX XXXX  that was reporting an inaccurate date of first delinquency and payment history on my credit report. Equifax was showing the account was 30 days late in XXXX of XXXX, but that the date of first delinquency was XXXX of XXXX, which moved it forward by one full month. Therefore, Equifax 's own report showed conflicting information. In addition, my XXXX  report showed the account had become 30 days late in XXXX of XXXX. I disputed the entire payment history of the account on my Equifax report due to these inaccuracies. On XX/XX/XXXX, Equifax responded to my dispute. Equifax verified that XXXX of XXXX was the correct date of first delinquency. However, Equifax completely messed up the entire payment history for the account. Equifax removed all payments from XXXX entirely. Equifax added two late payments that never occurred : they said I was 150 days late in XX/XX/XXXX and I was 180 days late in XX/XX/XXXX. These late payments are not only incomplete, but also moved forward nearly a full year after these late payments supposedly took place. This makes it look like I was late in XXXX, and I did not make any late payments in XXXX. The account was charged off during the entire year of XXXX. Overall, Equifax added false late payments to this account, removed my on-time payments, and did not properly investigate the account. The account is not compliant with the FCRA now or before my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: Google Compare Credit Cards Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2019 I signed up for XXXX Premium with billing via Google Payment and XXXX at the advertised billing rate of {$17.00} monthly. I received an invoice that said the total, including tax, is {$17.00}. Since then, Google has overcharged me each month for {$19.00} via XXXX 's billing platform, {$1.00} more than the invoiced amount. The the in-app price shown both before and after subscribing to the service is {$17.00}. 

I have contacted Google customer support several times, and they do not acknowledge any mistake on their part. I have only been able to recoup the difference through escalation with XXXX, who further say I need to resolve the recurring billing issue with Google.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Citibank has taken more than 90 days to process a dispute. Their website claims that this would be decisioned by XX/XX/2019 which has come and gone. Multiple attempts to contact the 'Executive Response Unit ' have been unsuccessful and no call back has been initiated on their part. XXXX XXXX XXXX, XXXX, and XXXX have been responsive and have processed their disputes and initiated permanent credits while Citi bank provided a confirmation alert that documents were received and then subsequently claimed that they were never received and denied the dispute based on this false information. 
Citi has falsely stated documentation was not received when it was and/or lost relevant documentation to the case provided in XXXX. On XX/XX/2019, their customer service agent provided an invalid email address to resubmit documentation to, and they have still not acted upon the information provided. It has been an ordeal. 
I have overpaid my internet bill with XXXX, a subsidiary of XXXX XXXX, XXXX XXXX, the merchant, acknowledges that I have a credit balance but refuses to reverse the charge to my Citibank account or provide a refund of such funds. CitiCards, the card issuer, has failed to act in 90 days on information provided multiple times. Most  recently XX/XX/2019. The primary documentation provided is a letter from XXXX acknowledging overpayment but requesting that I dispute the charges with my financial institution to reverse the charge and receive a refund. Citi refuses to act on this and the case still shows in progress to be completed no later than XX/XX/2019. Multiple attempts to speak with the Executive Response Unit of Citibank have been unsuccessful and they have not returned voicemails left.

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 2022-10-07
Company: EQUIFAX, INC.
State: OH
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 HAVE MULTIPLE ACCOUNTS REPORTING ON MY CREDIT REPORT THAT I DO NOT OWN. I DEMAND ALL ACCOUNTS BE REMOVED IMMEDIATELY FROM ALL MY CREDIT REPORTS, IT WAS ADDED DURING A CYBER THREAT DATA BREACH.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I completed my modification in XX/XX/2021 and started making my payments may of XXXX. This company stated they would fix my credit and report my payments as being made several times and they have not done so. I would like my credit to accurately show that only payments were made for effective may and that I was no longer in a forbearance. I have tried to work this out with them and have yet to see this corrected on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life. The most recent certified letter I sent was XX/XX/2023 In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX Account XXXX  XXXX, has violated my rights.

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 a 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 antedates 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Paypal Holdings, Inc
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
I sold an item online & was paid through Venmo. Venmo sent emails to verify my identity. Venmo later sent an email to verify my bank account. I completed those task as requested. My account stated that money would me transferred to my bank account through standard transfer on XXXX. After several calls & chats my account was permanently deactivated on XXXX. I have not been able to get an explanation, nor have i been able to access my account. In the email, Venmo stated that the funds would be held for up to 180 days. So now, my rent money, car payment, & money for travel ( I'm an XXXX XXXX ) is frozen/inaccessible. Venmo even charged me a sellers fee ( 1.9 % + {$0.00} ). I have been a Venmo user since XXXX & a PayPal user since XXXX. I'm not sure why they would leave me in such a bad position. I'm still not sure if I'm being scammed out of my money because all the emails, chats, & calls are basically robots or people that have no knowledge of what's going on inside the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I previously requested Coinbase close the account that is associated with me to stop fraudulent activity. 

I still have not received confirmation of these actions. As I stated before to Coinbase, I do not have access to the Coinbase account and fraudulent transfers from my XXXX XXXX XXXX into this account has continued. My account that I have no access to due to it being compromised was used for unauthorized transfers from my XXXX XXXX XXXX account on XX/XX/XXXX in the amounts of {$20000.00}, {$15000.00} and {$5000.00} and on XX/XX/XXXX in the amounts of {$17000.00} and {$12000.00}. 

I did not authorize anyone else to use my account in any way. 

I notified Coinbase of the above unauthorized transactions, in accordance with the Electronic Fund Transfer Act. See Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205.6, 205.11.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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 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 non-monetary relief
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: FL
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 of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a 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 antedates 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 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 explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am aliving and breathing human being, I have rights granted to me by the " FAIR CREDIT REPORTING ACT " THAT ARE BEING VIOLATED!! I was denied a mortgage because YOU EQUIFAX has hidden and blocked my score from me and lenders that I am actually applying to. But you allowed my identity to be compromised and accounts be taken out in my name that I did not authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: Experian Information Solutions 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:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature.

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 2023-08-17
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Hello, I was a customer with discover financial services. I believed my bill to be paid in full. Unbeknownst to me, there was a recurring charge that hit the credit card and went unpaid for 2 months. Discover Financial was sending electronic statements to my email which is inundated with junk mail but did not attempt to contact me otherwise. After the second missed payment, the company reported a negative report to the credit bureaus. I attempted to discuss with management in customers service that this was an oversight and requested a good will adjustment for first offense and the company refused. I believe this is punitive to consumers. This in no way is a reflection of my payment ability or my credit worthiness. I believe there should be some investigation into the practices around paperless billing especially given that consumers are becoming more and more overwhelmed with email campaigns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: VA
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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: IL
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:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2023-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief