BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-27
Company: Bread Financial Holdings, Inc.
State: NJ
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:
These accounts don't belong to me. Please remove them from all XXXX credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft CCB/CHLDPLCE Account Number : XXXX This is not mine. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: EQUIFAX, INC.
State: VA
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I scheduled a payment for XX/XX/XXXX it was not withdrawn from my account until XX/XX/XXXX and went through without issue. Today i received a letter from shellpoint stating my payment was withdrawn on XX/XX/XXXX and returned on XX/XX/XXXX this is also reflected on my online shellpoint account but is not accurate. My payment that was scheduled for XX/XX/XXXX was not processed at all until XX/XX/XXXX and it was never returned. the funds were available in the account and withdrawn and never were returned to the account. this entire transfer of my mortgage has been a nightmare i was never notified until i filed complaint and now my funds have been withdrawn but are showing returned. the have been dishonest when we were notified about the bank account i was using not being valid. now my money was withdrawn but showing returned. i have attached a picture of the withdrawal from my account on XX/XX/XXXX showing the funds available and taken

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: ERC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I disputed the collection information on my credit report four times with the different bureaus. I also supplied the credit bureaus copies of the three police reports i have that presents the evidence of my identity theft case and supports that this account is not mines. Credit bureaus went ahead and removed the incorrect information on my credit. Enhanced recovery company on behalf of XXXX has reported this same information with the same balance of {$1000.00} again on my XXXX XXXX XXXXd XXXX  report. This fourth reporting was done on XX/XX/2022 and droped my credit score a total of XXXX points across the three reporting agencies. 

This is very unfair that I have been trying to clean up the mess of this identity theft situation and as i get stuff removed they are being readded and dropping my credit score. I am already suffering enough with my low score from all the damages. Please stop reporting this invalid information on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: National Credit Adjusters, LLC
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: Account status incorrect

Complaint:
XXXX  refuses to delete a negative item even though the company has sent me a letter stating they have ceased collection against me. The company National Credit Adjust can not provide written proof the collection is mine. Therefore, they have ceased collections against me. It is against the law to report the debt when they can not provide written proff it belongs to me. I have disputed the collection of XXXX on XX/XX/2020 and sent XXXX  the letter that states the company is ceasing collection. Nonetheless, National Credit Adjusters fraudulently keeps validating the debt dispit not having proof of ownership for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
In XX/XX/2022 I had a personal check that I had made out for {$10.00} to help a charity. Mailed with other letters stolen for the mail box at the XXXX XXXX Chase Bank Branch. The check was subsequently stolen and altered from {$10.00} to {$900.00}. XXXX and written over to another payee.then cashed it at XXXX XXXX XXXXXXXX.thru the ATM. I have filed a claim with my bank to have this investigated and have my money returned. I was told that the bank has 90 days to resolve the situation. Iwas not happy to hear it would take so long but now its been almost 6 months and I still havent been credited my {$900.00} to my account. 
when Ive called to inquire Ive been spoken to rudly even XXXX XXXX on and I have been with chase Bank for 7 years. I need my money back asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: Experian Information Solutions Inc.
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: Old information reappears or never goes away

Complaint:
I contacted the agency and was told that they wouldn't repossess a junked car. Yet they still keep billing and reporting me on the vehicle. If you buy something and it's broken, you return it and get a refund or a replacement. This car was broken down within the first week after buying it. 
This is total XXXX XXXX and completely unfair.

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 2015-10-02
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I live in Michigan and so I am entitled to place a security freeze on my report. Furthermore, as a victim of ID theft, I am entitled to do so at no fee for initiating or maintaining ( lifting / resetting XXXX the freeze. 
However, Experian online does not provide the option for victims, but rather has only one default - Pay them {$10.00}! 
Nor does Experian mention that available option ( again, going for profits while using our info but leaving it exposed due to their delays in implementing a Freeze ). 
Especially galling is the fact that I am an ID Theft victim DUE TO EXPERIAN. Their weak security and weak supposed " encryption '' allowed my crucial info of SSN, DOB, Address, and possibly other info such as Drivers License, to be stolen by hackers, ALONG with XXXX XXXX other XXXX victims of this theft / Experian failure. 
In that my personal info was obtained in Experian 's data breach, Experian should be held strictly liable for any damages I incur from their failure to implement a timely, immediate Security Freeze. 
XXXX the preceding question, there is no option available from Experian to discuss the problem ( i.e. they only apparently want to collect fees )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-06
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 belongs to someone else

Complaint:
I have been disputing this item with XXXX, but they still sold the account to a collection company. This account was fraudulently set up. 
XXXX ( XXXX ) XXXX There is inaccurate information listed on his credit report in violation of 604 ( c ) ( 3 ), 609, 615, and 623 of the FCRA. The law states, furnishers of information to consumer reporting agencies must be accurate and duly validated, and has the express duty to correct and update information that is inaccurate or has not been duly validated. Additionally, when such negative reportings are the result of identity theft, which is a possibility in this case, the law prohibits the reporting of such unverified accounts to be placed on a consumers credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
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 belongs to someone else

Complaint:
603. Definitions ; rules of construction [ 15 U.S.C. 1681b ] Exclusions. ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; It also defines what a credit card is " ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' My Nine digit Social Security card number that was used to extend credit in the below account is prohibited by law to publish on any credit reporting agency. 

On XX/XX/XXXX I sent a second dispute to Equifax regarding an inaccurate/ fraudulent Medical bill that they are reporting on my credit. I was never in the hospital when the bill stated that I was, and my insurance has no records for any request for payment for the bill in question. 
Equifax sent me a statement report on XX/XX/2021 report # XXXX The report states that they have investigated item account # XXXX and that the item belongs to me. 

Equifax did not provide any details as to how that Item was found to belongs to me, Per the dispute, I requested for the second time that Equifax furnished proof that such an item belongs to me and a copy of the HIPPA release form that I signed by me authorizing my medical data to share with these above-mentioned third parties. This is a clear violation of my rights according to HIPAA. XXXX XXXX XXXX and Equifax for the second time failed to furnish the requested proof yet, the negative item continues to reports on my social security credit device.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: BlockFi Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
Money secured in my name in a cold wallet by Blockfi is trying to be used by Blockfi to satisfy secured creditors in upcoming bankruptcy. They have blocked withdraws of secured funds in a wallet and not allowing access so that they can use the funds to pay creditors. I just want the ability to withdraw my own money from my own digital wallet.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: ALLY FINANCIAL INC.
State: UT
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I have had a vehicle lease with Ally Financial since XX/XX/XXXX. I have been manipulated more times that I like to admit with this company and the paper trail I have is Astronomical. The start of the problem occurred back in XX/XX/XXXX of last year when I had fraudulent charges on my account that caused a check payment made on my behalf to be reversed. I however, was not made aware of this stop payment nor does it show record on my Banking account or with proof provided by Ally. But that did n't stop Ally from charging me a Late fee for over a year. I will include a Payment summary that I had Ally fax me as you can see that even on this sheet the accounting is off, and there is no proof or significance of a late fee accruing or charged. Part of my biggest compliant here is that I have NEVER received paper billing nor did I opt out of such, so I have been forced to used a mobile app to make monthly payments, and even that does not show late fees or notices. I have not gotten a call until this month ( XX/XX/XXXX ) letting me know that I have over {$220.00} worth of late fees to be exact, and they tried to smooth things over by telling me that they wo n't accrue interest and they can be paid anytime. I 'm sorry but I 'm still getting a {$30.00} late fee per month until they are caught up, and come to find out they have been dinging my CREDIT as well! I 'm outraged at how violated I feel in all of this, and at the hands of a company with XXXX customer service. I have made a phone log of how many times I have called their office only to be transferred at a minimum of XXXX times, and then when told my fees would be waived by speaking to someone in esculation and I was of course then disconnected! My most recent phone call was a total of XXXX hours and XXXX minutes. The only time I was able to get somewhere with a representative is when I finally got someone who spoke no broken XXXX and she also agreed that she showed no calls or reason why I would n't be receiving paper statements and that I also based on her billing summary I was paid up to date with a credit of {$11.00} on loan payments, regardless of late fees. She also promised that I would receive a call back within XXXX hours in regards to the paper statement issue and I still have yet to hear from them and that was on XX/XX/XXXX I feel like I am getting no where very fast with this issue and I need help in resolving this matter. I am very aware that I am not the first and I 'm sure I wont be the last they take advantage of. I would sooner have another bank take over this loan, but the damage they have done to my XXXX in just a year has n't helped me, and I feel very stuck! Therefore, If I ca n't get this resolved at this level I will seek Legal Council regarding possible UDAAP violations at consumerfinance.gov.

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 2015-04-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My wife and I have owned and occupied a XXXX home property in XXXX since XXXX. In XXXX we experienced a loss of income that caused us to fall behind on our mortgage payments. Our income improved in XXXX and XXXX to the point that we became eligible for potential loan modifications. In XXXX XXXX, after making the XXXX XXXX trial payments, we were approved for, and successfully executed a loan modification agreement with the lender ( Select Portfolio Servicing , Inc. ). In XXXX XXXX our lender sent us a new loan modification application with different terms including a higher interest rate structure in future years, and with no explanation as to why they were sending us the new, and unsolicited application. We called the lender and were told it was probably a mistake. By XXXX XXXX we began receiving notices that we were in default of the original mortgage ( as if the loan modification never occurred ), although we had continued to make all required loan modification payments. We escalated the matter with the lender while continuing to make the required payments until XXXX XXXX because at that point the lender was requiring higher payments than allowed under the existing loan modification agreement, and they threatened foreclosure if we did not pay the higher amount. At that point we began withholding additional payments and have instead held those payments in escrow. In XXXX, the lender alleged for the XXXX time that the original modification was never implemented because of some error in calculating the escrow balance for the account. This is the XXXX time they ever gave us any explanation or indication as to what happened to the fully executed loan modification agreement. The lender is now moving ahead with its plan to foreclose and refuses to honor the terms of the original loan modification executed in XXXX XXXX, through no fault of our own.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Quicken Loans is horrendous! They waste your time, energy, patience and money! I have lost almost {$1000.00} that can not be recouped. They strung me along for FIVE weeks, when other mortgage companies knew in a few hours if I would qualify for a loan or not. I was passed between XXXX different people/departments during this ridiculous process, because " each person/dept. specializes in a different component ''. Trust me, none of them were that sharp to be wasting resources on XXXX people working on a very small loan! This company is A SCAM!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
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: Was not notified of investigation status or results

Complaint:
On AugustXX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Winklevoss Exchange LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
XX/XX/21 - I created an account with Gemini, a digital asset platform operated by and proprietary to Gemini Trust Company , LLC. 

XX/XX/21 - I deposited {$500.00} USD into my Gemini account via debit card. This was allowed to occur prior to Gemini identity verification process completion. 

XX/XX/21 - I purchased XXXXXXXX XXXX for a total of {$480.00} USD. This was also allowed to occur prior to Gemini identity verification process completion. 

Created customer service tickets regarding identity verification completion delays XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Received automated responders only. 

As of XX/XX/21 - The Gemini identity verification is still pending. I can not access my digital funds to withdraw or transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have paid the full balance on my card and my money has been withdrawn from my bank account. My card shows a XXXX balance - but because I made more than one payment against the card during the billing period, and the balance was paid in its entirety, my card has been blocked until the card issuer verifies with my bank that my payment is good. This despite the fact that the transaction cleared my bank approximately one week ago.

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 2017-02-01
Company: CASH AMERICA INTERNATIONAL, INC.
State: TN
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
Never applied for a loan with XXXX nor XXXX ( XXXX ). Then I receive a email case no saying there suing me for money I have n't receive and applied for. Email name would states XXXXXXXXXXXX I never merge iced any calls or vociemails stating if i applied or there trying to reach me. Other company XXXX someone reached out and said if I ever applied online they steal customers information there 's no way of tracking.

Company response to consumer: Closed
Consumer complaint received 2020-08-19
Company: Guild Mortgage Company LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, In 2017 I purchased a house using a FHA loan. Upon moving into the house we discovered many issues that were wrong with the house. After further investigation and inquiries on what I could do I found that the house failed to meet the MPS on HUD 4150. Example is the 18 between the floor joist and ground level. Per the appraisal the house had adequate spacing but that was false. The picture of the crawl space in the appraisal clearly showed dirt up to the hoist. This discovery along with others including a septic system that was not functioning properly, duct taped plumbing that resulted in vile smells in the house and foundation issues including discovering that parts of the house were being supported by rocks and dirt. Guild Mortgage company approved the appraisal and it resulted in financial and emotional issues with the house. The cost of the repairs and services done to the property within the three years has totaled to {$20000.00} and counting. The house is continuing to settle and cause damage throughout the house that will require more contractor expenses.

Company response to consumer: Closed with explanation