BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-30
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:
XX/XX/XXXX I sent XXXX, XXXX and Equifax dispute letter and an Identity Theft Victim 's Complaint and Affidavit pertaining to a XXXX XXXX XXXX XXXX account and XXXX XXXX XXXX XXXX XXXX inquiries dated XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX XXXX responded by deleting all XXXX items from my report. I never received remedy for the damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for the Apple Credit Card in the beginning of XXXX. I was denied credit and not given a proper expiration that i agree with as to why I was denied credit. I applied for Apple Credit Card again on XX/XX/2021. I was denied credit again without proper reasoning. Goldman Sachs Bank Actions is a Violation of the Equal Credit Opportunity Act ( 12 CFR 1002 ) See attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: RoundPoint Mortgage Servicing LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage loan which is serviced by Roundpoint Mortgage. We are required to escrow funds for taxes and insurance. Roundpoint paid the insurance bill twice in error. They are now trying to increase my monthly payment to cover the escrow shortage caused by their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: Self Financial Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
XX/XX/XXXX I signed up for a credit builder account with SelfLender, now its Self.com. I spent 12 months paying {$89.00} to accrue as a CD. At the end of the CD Maturity, {$1000.00} was given back to me minus {$100.00} that went to a secured credit card on XX/XX/XXXX. 

On XX/XX/XXXX, I signed up for another credit builder, I paid {$48.00} for 12 months again, at the end of the CD Maturity date, Self sent me a letter dated XX/XX/XXXX Certificate of Deposit Maturity Notice This is to inform you that your Certificate of Deposit XXXX will mature on XX/XX/XXXX in the amount of {$530.00}. This Certificate will not renew automatically and interest will not accrue after the maturity date. The amount of the Certificate will be deposited into your XXXX XXXX XXXX XXXX XXXX Idaho account ending in XXXX. 

On XX/XX/XXXX I received an email from Self Over the last 12 months you were able to establish payment history with the credit bureaus and save an estimated total of {$530.00}! 

Your estimated payout of {$39.00} will be electronically deposited into your XXXX XXXX XXXX XXXX XXXX Idaho account ending in XXXX on XX/XX/XXXX. You will receive an email from us once we've sent your electronic deposit. 

They do not give a valid reason to take {$500.00} of WHAT I paid for every month for 12 months. I paid {$100.00} for a secured credit card and since XX/XX/XXXX, I have increased my secured card limit by making payments on time to my card, they sent me notifications to tell me that. In fact, prior to this email being sent, Self offered me to increase my credit limit because I made payments to my credit builder account on time. 

This letter telling me that I will receive my {$530.00} to my bank account is unlawful. I've reached out to two people via email and I keep getting told that the {$500.00} is to cover the {$600.00}. 

At NO time did they tell me that the credit increases from XX/XX/XXXX to XX/XX/XXXX would have to be covered by the XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
They keep reporting a fraudulent account on my credit report. Ive sent multiple letters for disputes they just say verify but they dont send anything prove its my debt. Which its not so I have no idea what to do anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: CITIBANK, N.A.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file

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 2017-10-23
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XXXX XXXX my husband got a call from Ditech Mortgage that our payment was 111 days past due and we are in danger of foreclosure. I called to ask them what are they talking about and 3 days later after spending numerous hours talking to different very rude people it was explained to me that in XXXX of XXXX a check for {$2400.00} was credited to my mortgage. Ditech entered this amount twice. They had an audit in XXXX saw the error and their way of correcting it was to take my XXXX payment. I also was so far ahead on my payments that my XXXX statement said my next payment date is XXXX XXXX so the money they had to cover XXXX and XXXX they took that money as well. When this was explained to me I told her there is no way this could be legal because those were my house payments and now youre threatening foreclosure. She said they are willing to make my payments for the next year {$760.00} instead of the {$620.00} we are supposed to pay. It was their mistake and they fix it by putting a horrible hit on my credit score and a finically burden on me. Is this legal? Can they just get away with business practices like this?

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Why Does TransUnion Show Omitted Public Record Information on my credit file? What is this? This needs to be removed. I have no public records to have reported. Please ask them why they allow Miscellaneous misinformation on my credit report please? XXXX  doesn't have this neither should any other credit reporting agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021, we see a transaction on our Bank of America online banking for {$2300.00} using our debit card details. The vendor is XXXX. 

We reported the issue to Bank of America on XX/XX/XXXX. However, on XX/XX/XXXX, the bank replied back saying they couldn't pay us because they don't see any fraud. 

We know for sure that we have never done a transaction with 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 2021-11-07
Company: WELLS FARGO & COMPANY
State: TN
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:
Lender is reporting the account is in a forbearance in the comments section and status of all three credit reporting agencies.

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 2021-02-18
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal has refused to close a business account I opened for a business I did not end up starting in 2014. They are requesting bank documents from the business that are no longer available and making it unnecessarily difficult to close the account at my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-07
Company: Experian Information Solutions Inc.
State: TN
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 is my third complaint against Experian, In regards to my first complaint ( case ID XXXX ), I mailed an affidavit dated XX/XX/XXXX ( see attachments ) disputing errors found on my consumer report. Experian failed to delete the incorrect names and addresses from my consumer report. Additionally, there is a fraudulent account and inquiry on my consumer report that I did not give consent to be furnished. Pursuant to 15 U.S.C 6802 ( B ) ( 1 ) ( A ) and 15 U.S.C 6801b ( a ) ( 2 ). I have filed an FTC Report for the following account and inquiry below. 

FRAUDULENT ACCOUNT : XXXX XXXX XXXX FRAUDANT INQUIRY : XXXX/XXXX  XX/XX/XXXX Experian has blatantly violated my right as a consumer and they are civilly liable pursuant to 15 U.S.C 1681n. I am demanding the incorrect spelling of my name be deleted and updated to match my Photo Id ( see attachments ), all the incorrect addresses removed, and for the fraudulent account and inquiry to be removed from my consumer report and an updated copy of my report mailed to me. 

Attachments : FTC Report Photo ID Certified mail receipt Utility Bill

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 2018-09-20
Company: Diversified Consultants, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent 2 letters to Diversified Consultants about the debt they say I owe to XXXX. 
Both letters were sent certified and signed for. In the letters I repeatedly asked for them to send proof of the debt I owe and provide me with viable evidence, bearing my signature, showing the account is being reported accurately. 
Both times they have responded, they have not provided me with said documents. Instead they sent me a billing statement that is not accurate and has no signature from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-20
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:
Equifax ; XXXX  and XXXX  are reporting incorrectly lates on the XXXX partial account numbers XXXX ; XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) I requested and was granted an income driven repayment plan. ( I have attached a copy of the letter from XXXX dated XX/XX/2019 showing the updated account information. ) These late payments need to be removed from my credit reporting. This incorrect reporting of lates is seriously harming my credit score. I have contacted the ( 3 ) bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: Aspen Yo LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have tried multiple times to get help from XXXX XXXX, ( Servicer ) to afford to keep my home. They purposefully not returned my calls and the always find and excuse not review the multiple packages that have been sent. They ignore my calls and when they do pick up, they always tell me that only the person assigned to the file can give me updates. That assigned person is never available. They have had 2 or three complete loan modification packages, over the last 2 months, sent to them but no official review from this servicer. They are not helpful and I believe are more geared towards collection then home retention assistance. It appears that the do not really care about helping their customers find a solution. I asked many times to speak to a supervisor and they just patch me through another representative who has the same attitude and responses. It 's like a vicious cycle of not getting anywhere. It feels like it 's being done on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: CAINE & WEINER COMPANY, INC.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2016 XXXX XXXX states that I owe them {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: BARCLAYS BANK DELAWARE
State: NY
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:
XX/XX/XXXX, I did a consolidation loan in which {$9700.00} was to go to Barclays card for my XXXX Credit card. IT was {$1000.00} more than the current balance and that was to apply it to another card that I was not able to apply it to directly. 

The money was placed in the incorrect account, XXXX XXXX XXXX XXXX and my card is XXXX XXXX XXXX XXXX. Several calls to Barclay 's and XXXX and no results. Never a call back. Even three way calling with the lender did not get anywhere. We where informed that the could see the deposit and needed proof that it was supposed to go into my account. We faxed them and sent an email and by mail. They say they never received anything. 

The money was received in the incorrect account on XX/XX/XXXX. 
I was told that there would be not interest charges or late fees and it would not effect my credit and they would fix everything. They removed the XX/XX/XXXX late charges and interest but have not done so for the XXXX, XXXX, XXXX, Payments and I am not paying on this card until this happens. 

The lender has sent me the check directly and need to get this straightened out in order to make a payment plan, althought they still have the money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2019 I wrote out a check ( # XXXX ) in the amound of {$2900.00} to a remodeling contractor. The contractor then proceeded to the XXXX XXXX, PA branch of Wells Fargo to cash the check. The cashier attempted to cash the check, which was declined because funds needed to be transferred into the account. The cashier then authorized transfer of funds from another account ( overdraft protection ) and proceeded to cash the check, but for {$500.00} less than the check was written out for ( the cashier cashed it for {$2400.00} ). The entire transaction history showed this on the evening of XX/XX/2019 as " pending transaction '' and the Wells Fargo customer service representative could not explain what had happened, so the matter was assigned to an " investigation ''. The contractor 's transaction receipt clearly showed that the check was cashed for {$2400.00} ( not {$2900.00} ) and the contractor swears that he received {$2400.00}. Less than 12 hours later on the morning of XX/XX/2019 the entire transaction history showing the mistake had disappeared from my account and the record indicated that the bank had cashed the check for the full amount of {$2900.00}. I called Wells Fargo again on XX/XX/2019 and they indicated they considered the matter closed despite what the contractor 's receipt said. At this point I accused the bank of attempted fraud and the matter was supposedly escalated to an " executive complaint ''. It is now XX/XX/2019. I have called Wells Fargo executive investigations three times and have been repeatedly told that they have not assigned the matter to a case manager and can not tell me when it will be assigned to a case manager. It has become clear that Wells Fargo has no intention of resolving the matter and is now just stalling me in the hopes that I will let the matter drop. They continue to defraud me out of {$500.00} because of their teller 's mistake and subsequent cover up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: EQUIFAX, INC.
State: OH
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 had this account removed earlier this year due to fraud. I checked my credit report today and saw the XXXX XXXX on my Credit report. I never did this transaction and would like for this to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
A fraudulent account appears on my credit that I do not recognize. The account is : 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 2022-05-02
Company: Flandreau Santee Sioux Tribe
State: ND
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I originally called the number XXXX - Acct # XXXX, spoke to an inidividual briefly and then was placed on hold for the next 40 minutes in which I hung up. I called back, lady said it was a chain of which I needed to go through, I did swear, but after 40 minutes holding and wanting answers, I was supposed to hold again. I have not heard from these people other than this phone call and message left, there has been no written correspondence, only that they were serving me at my work or home tomorrow for a judgement. First notificatoin.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
i HAVE CONTACTED AMERICAN EXPRESS FOR ALLOWING A CRIMINAL TO TAKE MONEY FROM MY XXXX CHECKING ACCOUNT. THEY RESPONDED THAT THEY REVERSED THOSE CHARGES AND THAT XXXX IS IN CHARGE OF THE FUNDS NOW. HOWEVER XXXX IS SAYING THAT AMERICAN EXPRESS DID NOT RETURN THE FUNDS DUE TO TIME LIMIT ON RETURNING FUNDS. 
MY XXXX CHECKING ACCOUNT # XXXX WAS USED FRAUDULENTLY TO FUND AN AMERICAN EXPRESS ACOUNT # THAT WAS NOT MINE AND I DO NOT KNOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: Mobiloans, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
Hi, my name is XXXX XXXX i got mobiloans back in XX/XX/2017 and there is a lawsuit about the high interest rate 's i got letter from XXXX XXXX Settlement sayin g that they would forgive any debts that was owed and there would be cash payments but still i am receiving XXXX  phone calls from a company which i do not know what the company name is and saying they will send me to proceedings and calling my family members also. If anyone can help with this. Thank you very much

Company response to consumer: Untimely response