BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-16
Company: EQUIFAX, INC.
State: CA
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 shopping for cars for about a month and on XX/XX/2020 I was at the XXXX dealership and I found a car I liked so they ran my credit to see what my monthly payments were going to be as well as the interest rate ; however, when my credit report came back, I was told that I didn't get approved at all because there were several accounts in negative standing on my credit. I looked through my credit report and I saw many accounts on there that I never opened. The accounts are from XXXX XXXX, XXXX XXXX XXXX  & US BKPT CT CA XXXX. None of those accounts belong to me and I have never allowed anyone to open those accounts with my personal information. I did not take part in any transactions or payments made towards any of those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
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: Information belongs to someone else

Complaint:
The credit bureaus XXXX, XXXX and Equifax are reporting this account named XXXX XXXX in my credit file. 
This XXXX XXXX account does not belong to me. 
I have disputed this alleged debt/ in my credit file account 3 times. However, the credit bureaus refused to delete it from my file. Instead their reply to my deletion request was verified the account belongs to me. I asked for proof of the validation but was never provided such. I need this account removed from my credit file because it does not belong to me. I also need any information that the credit bureau have from this creditor so I can file this case as identity theft being the credit bureau said they verified the debt was mine

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: Financial Business and Consumer Solutions.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I 'm being called every 3days by this company/number never a voicemail describing who it is or why the call. Its harassing ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: Rocket Mortgage, LLC
State: OH
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I contacted Quicken Loans for a mortgage loan for a new home an XXXX XXXX XXXX. On the same Day, I spoke with quicken loan officer, XXXX XXXX who was helping me with the loan application. I gave him all the pertinent information for credit purposes. He asked me to send him XX/XX/XXXX and XX/XX/XXXX taxes of which I sent through his email. On XXXX/XXXX/XXXX, I wrote XXXX an email to make a follow-up on my loan application. My email was never returned. I followed up with several call ( XXXX ) XXXX ext.XXXX. All my call were never returned despite of leaving several messages. Credit disclosure was never sent to me despite of pulling our credit, the loan was neither approved nor disapproved to this day and no further communications. I believe I was a victim of racial bias and of national origin because of my accent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Winklevoss Exchange LLC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Account is currently frozen and Im unable to do anything.Have sent what requested and since 10 days no update I Have seen their XXXX, I'm shocked!!. What does it cost to hire cheap external agents to handle customers ' requests and build their reputation? I don't understand how a business owner can play like this with its money by handling customers like this and in A SUCH SECTOR??! Pfff one week for a frozen account, and as I see it's fully normal with them??!!! I'm using other cryptos platforms like XXXX and XXXX  too, and it's another world in terms of customer care. Frankly, Have never seen a website treat customers like this, again I'm shocked.If I could turn back the time I would never deposit to Gemini, I wouldn't even register. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Experian Information Solutions Inc.
State: AL
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:
XXXX hasnt deleted hard inquiries off my XXXX report yet. Eleven inquiries should be deleted as of the XXXX of XXXX. XXXX is not reporting information correctly. They are to slow to do anything. My credit score is never accurate. Im so tired of having to correct information they are required to report accurately.

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 2020-03-16
Company: Experian Information Solutions 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 Would like to make a complain about being a victim of identity Theft I check my Credit and I Notice that there are Accounts that I did Not Authorize these Accounts was not open by me. 
I needs these accounts Removed From My Credit thank 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 explanation
Consumer complaint received 2022-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Every month Capital One receives my payment of {$550.00} for my XXXX XXXX. I've had this loan since XX/XX/XXXX. Every month on the XXXX, Capital One receives my payment of {$550.00}. Every month Capital One returns my {$550.00}. On XXXX XXXX  record the return is around the XXXX. {$550.00} will be taken from my XXXX account and will not return till around the XXXX or XXXX of the month. Then Capital One wants to charge {$35.00} in late fee. I have called and talked Capital One many times. The late fee is waived. They always say it's the XXXX accountand to call XXXX. I call XXXX and XXXX says it's Capital One. I pay every bill online through the XXXX account and no other business but Capital One holds my money for days. Returns my money late. Then wants to charge me a late fee! Capital One owes me late fees and waste of time of fees. I have to babysit the account to ensure money is not stolen. This practice should be against the law. Overdraft charges and late fees make billions of dollars yearly. This month XX/XX/XXXX XXXX was received by XXXX. XX/XX/XXXX, ( according to Capital One ) XXXX was returned. Now on the XX/XX/XXXX I have a late fee! I work XXXX XXXX  jobs. Twelve hours or more a night. This is what I get for caring for people for 24 years now?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: SYNCHRONY FINANCIAL
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have an XXXX XXXX XXXX  account that was agreed to 24 months at a payment of {$45.00} per month. I this loan was taken out in XX/XX/2021 with PayPal credit which is a pay overtime account. I also have 6 month promotional loans with this lender. My payment amounts are applied to the XXXX XXXXXXXX XXXX loan first and a minimum to the promotional loans. This is unfair credit practices. The extra I pay each month should be going to the promotional loans which are due first. When I make a payment I am not given an option where my money should be allocated causing me to call customer service every month with repeated phone calls. Their monthly billing statement does not clearly state how payment funds are allocated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
My home mortgage had a starting balance of {$430000.00} XX/XX/XXXX. My monthly payment was paid through auto-deduct each month, on-time and was {$3100.00} ( principal- {$670.00} ; interest- {$1300.00}, and ; escrow- {$1100.00} XXXX. I refinanced and paid off this mortgage XX/XX/XXXX and Freedom provided the following payoff statement to my lender ( this was prior to receiving my XXXX payment, which resulted in a lower principal of {$420000.00} XXXX : Principal- {$430000.00} ; Accrued interest- {$4000.00} ; escrow advance- {$1100.00} ; unpaid late charges- {$250.00}, and ; recording fee- {$86.00}. The total payoff due was {$430000.00}. I have called Freedom multiple times to ask them to remove the late charges & recording fees and their reps said these should n't have been charged and are incorrect, but to my knowledge, they have n't been removed. Additionally, I asked for a breakdown of why they indicated {$4000.00} of accrued interest when my monthly interest is only {$1300.00} -- which means they collected over 3 months of interest at my closing. They said they would send me documents to support their figures and show an accounting of their figures, and how much I was owed back, and that I would receive these by XXXX, but I have not received them as of XXXX. I called them back XXXX and their message said their call volume is too high, so I would need to call back another time, and then it disconnected me. It seems to me that their accounting is erroneous, inaccurate and potentially fraudulent, and that they have no intention of correcting this, or giving the consumer any documents to refute their erroneous calculations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: PNC Bank N.A.
State: IN
Product: Credit card
Issue: Payoff process

Complaint:
Requesting PNC Credit Card to Reverse the Charge-Back of {$7500.00} on Card Ending ... XXXX I was hired as a Purchasing Agent for a Co. called XXXX XXXX XXXX , an online company based in NY in XXXX, 2016. My job was to make purchases for this Co. initially using my credit card and they reimburse me afterwards by making payments on the card from their " supposed '' corporate account with XXXX XXXX. Of course I objected to this proposal and they agreed to first pay off the balance of {$7500.00} on my PNC XXXX XXXX ending with XXXX. My card payment was initiated on XXXX XXXX, 2016 from the XXXX XXXX XXXX ( Routing:XXXX & Acct # : XXXX ) and when I checked the balance online on XXXX XXXX, it was " XXXX ''. 

Reason for Dispute with PNC Being suspicious of the possibility of the payment being reversed, I waited for almost XXXX week before I proceeded to make the purchases on my PNC Cashbuilder Credit card ending with XXXX which included gift cards from XXXX, XXXX and XXXX. On XXXX XXXX, with the card balance showing zero online, I called the customer service to check with a XXXX who confirmed to me that if the check has not been returned within XXXX hours, the chances are that the payment from XXXX was successful and went through. I checked the account again XXXX. XXXX and it was still XXXX balance. 

However on XXXX XXXX, when I checked the account balance, it was {$7500.00} ( XXXX + XXXX )! With my XXXX raising, I called CS ( got transferred to dispute dept, then Payment Resolution for more than an hour ) to find out what 's going on. I was told the check was returned ( AFTER 12 DAYS ....! ) So I asked WHY WAS THEIR NO INDICATION ON MY ACCOUNT THAT THE PAYMENT WAS PENDING ALL THESE WHILE SO I COULD HAVE DELAYED OR NOT MAKE THE PURCHASES AT ALL? AND IF THE CARD CO. KNOWS HOW TO ADD " PENDING CHARGES '' TAB TO THE PAGE, WHY COULD N'T THEY HAVE ADDED ( " PENDING PAYMENTS '' TAB ALSO TO ALERT CUSTOMERS? OR HOW ARE WE SUPPOSED TO KNOW IF A PAYMENT DID N'T GO THROUGH BEFORE IT 'S CHARGED BACK TO THE ACCOUNT? 
This Company turned out to be a scam, I did my due diligence to protect myself and wished that PNC did the same for its cardholder.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-03-25
Company: Block, Inc.
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have a list of transactions that i did not authorize on my cashapp that Ive been disputing since XX/XX/XXXX. Cashapp has not properly investigated, informed me of anything thats been done or investigate, refused crediting my account, refused refunds, ignores My inquiries about the process, and has been retaliating against me when i tell them theyre breaking the law they deny my claims without investigation, and Id now stating that they cant refund the transaction even though Ive filed 35 disputes regarding 5 transactions and proved that someone stole my phone and had access to my account and personal and financial information. I have XXXX $ stolen and have lost my home and car as result of their illegal practices. This is my second time this year filing a complaint with you guys about this and Nothing has been done and its still happening over and over. There needs to be legal repercussions for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: Coinbase, Inc.
State: PA
Product: Virtual currency
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
Coinbase account closed without reasonable explanation, being told I 'm involved in illegal activities with nothing to back up said claim. I have been operating a Coinbase account for about a year now with no issues in the past, until Coinbase emailed me a month ago with the following : " Thank you for your interest in Coinbase. Our primary goal is to make bitcoin safe and secure for our customers. Coinbase is a regulated XXXX Business under FinCEN XXXX FinCEN.gov XXXX, and as part of achieving this goal, we are legally obligated to implement regulatory compliance mechanisms. After careful manual review, it has been determined that your account has been involved in XXXX or more violations of our User Agreement. You can review the Coinbase User Agreement here : https : //www.coinbase.com/legal/user_agreement We regret to inform you that we are no longer able to support your Coinbase account. Unfortunately, this decision is not subject to appeal ; we are unable to reinstate accounts in violation of our User Agreement. '' After communicating with Coinbase about this issue, they state I 'm in violation of their user agreement, specifically " On XXXX/XXXX/15, your account sent XXXX XXXX to XXXX. We have reasonable cause to believe that this transaction violates the Coinbase User Agreement. Specifically, please see Item XXXX under Appendix XXXX ( " Prohibited Businesses and Prohibited Use '' ) of the Coinbase User Agreement here : https : //www.coinbase.com/legal/user_agreement # appendix-1 : -prohibited-businesses-and-prohibited-use If you believe this determination is in error, please provide corroborating documentation demonstrating the nature of the above-referenced transaction and we will be happy to take another look. '' I state it was an exchange between myself and a friend for XXXX, which I provide a screenshot for with timestamps that date to the exact time the XXXX was sent. In response, they sent " Thank you for your message and for the screenshot of the XXXX transaction. While the timestamp on the XXXX transaction is indeed similar to the transaction sent to XXXX, the information you provided remains inconsistent with the information we have on file for XXXX. We have reasonable cause to believe that the XXXX XXXX sent from your Coinbase account to XXXX on XXXX/XXXX/15 may be associated with counterfeit government identification documents. Specifically, please see XXXX Accordingly, we are unable to restore your account. '' Again, after denying that I 'm related to counterfeiting at all, they refuse to reinstate my account, even after backing up my claims that I 'm not in violation of their user agreement. I have n't had issues in the past and had no idea my friend was involved in counterfeiting. I want my account reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: EQUIFAX, 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: Residential Credit Solutions, Inc.
State: MA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
We have been working through a short sale since late XXXX and just found out TODAY that the seller has XXXX loans ( the seller 's realtor has been horrible communicating with us ). The seller has short sale approval and we already went through negotiation with the bank. We were told we would close on or before XXXX and sold our house with a closing date right after that. We are now 3 weeks from when we are supposed to close and just heard that XXXX XXXX XXXX approved the short sale, but now we are still waiting on Residential Credit Solutions. We need the approval letters ( now 10 weeks later ) to finalize our mortgage and to ensure my family - with a XXXX and XXXX year old - are not homeless leading into the winter months of Massachusetts. What can I do to escalate this at Residential Credit Solutions so we know where we stand and next steps?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My 5/3 credit card was stolen and it now has a $ XXXX balance. I 've contacted Fifth Third several times and they ignore me. I am not going to pay for this, as I 've already told them that these charges were not made by me. They send me letters and call me constantly and I always tell them the same - I am NOT paying for transactions I DID NOT MAKE. If they do n't remove these charges and stop the harassment, I will take legal action.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-30
Company: U.S. BANCORP
State: NJ
Product: Credit card
Issue: Rewards

Complaint:
I have an US Bank XXXX XXXX Premier Visa Signature Card. The agreement when I signed up for clearly said that get XXXX free night after paying {$75.00} FEE. The main reason I signed up for this card was the last night free benefit. However, U.S Bank & XXXX XXXX recently announced that their XXXX XXXX credit cards would be losing the last night free benefit after XX/XX/XXXX. I 'm really disappointed about this change. Is there anything that U.S Bank can do? I would like to get my annual fee refunded at least if it is possible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-06
Company: U.S. BANCORP
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am an attorney representing a client who was contacted about a debt he does not owe. On his own he disputed the debt, and the collector, XXXX XXXX XXXX, sent out documents that appear to be forged or altered. My client made two other attempts to get verification. I filed a FDCPA complaint against XXXX, including fraud for the fabricated documents. In the course of my research I discovered the Consent Order, XXXX which detailed many of XXXX 's tactics. My case is : in the XXXX District of Michigan. One of my investigators made contact with your agency when I was seeking support for a documents/forgery expert. I have not yet called the FBI for an investigation but I was interested in finding out if someone from your agency would be able to provide me with an affidavit regarding some of the deceptive practices XXXX engages in. I also wanted to alert your agency as this may be a violation of the Consent Order. 
The information supplied is for me and/or my firm, except that I supplied the last XXXX digits to my client 's social security number.

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