BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-17
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have used a Sears charge card for many years. I have always received a paper statement and always paid my bill on time. In XXXX 2016 i used my Sears card for a purchase that I did not receive a paper statement for. After tracking this down, I found out that Sears was now sending my bills through email. I had never authorized this. In fact I would never authorize this! Not only do email accounts " go down '' or get hacked but sometimes computer viruses themselves will kill email accounts. As result, I rely on paper statements for all my charge cards. After phone calls to Sears and on line chats with Sears representatives, I am now once again receiving paper  statements. However, after paying for the purchased item, i continue getting bills for the accrued late fees and interest charges. I have made a concerted effort to resolve this but to no avail. My most recent " new balance '' due XX/XX/XXXX is for {$270.00}, ALL interest fees and late fees! This was Sears at fault. They should never have changed my account information without my consent.

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 monetary relief
Consumer complaint received 2022-08-15
Company: DISCOVER BANK
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, I set up online a wire transfer of {$22000.00} to my friend XXXX XXXX. The transfer has never been delivered to his bank account. I received an email on XX/XX/XXXX, asking me to contact the bank at XXXX. During the phone conversation, I was asked to provide more information to complete the transfer, including very private personal information about my friend, the wire transfer recipient. This is very suspicious request especially over the phone, because I have made multiple wire transfers from other banks previously, have never been asked for such information. My request to provide the support documentation for such request was not satisfied, and was told that without that information the transfer could not be processed. Therefore, I asked the bank to cancel the wire transfer and return the fund to my account. I was assured it should be back in 3 to 5 business days. Now after 20 days passed, I havent seen money back to my account. And nothing from the bank explains what is going on. 
An inquiry message to the bank on XX/XX/XXXX, ended up with the request my phone call to the same number without much sincere help. I was assured the issue would be solved and money back on this Monday XX/XX/XXXX, yet nothing happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am an XXXX XXXX. I routinely have to call mortgage companies regarding home insurance so I can get the mortgage company the payment, documents, etc. Mr Cooper 's XXXX line hangs up on me after 4 minutes. The only reason, on my second call attempt, I was able to reach a live person was simply because I used to have a Mr. Cooper mortgage and was able to use my social to get through their phone labyrinth. ALL mortgage companies should be required to answer every call by a person ( vs hanging up ). Furthermore, they should have a separate phone

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a State Tax Lien, docket # XXXX, being reported on my credit report under the public records section. I have sent numerous letters disputing this lien to Equifax, providing proof of their violation of the FCRA. Their response is that it is being reported correctly via a 3rd party XXXX XXXX. This is a blatant violation of the FCRA 623 ( a ) ( 5 ). If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Being that the original creditor is the XXXX County circuit Court, and they DO NOT report ANY information to the Equifax Credit Bureau ( which i have a letter stating as such from the court ), they are in violation. Also, as of XXXX XXXX, 2017 credit bureaus were supposed to remove all public records that were judgements and Tax liens if they didnt correctly have all information such as 1. Date of Birth 2. SS # 3. Correct Address 4. Correct name This record shows no such information, nor does it have 3 of the 4 needed to stay on a report. I have provided a copy of the final letter i have sent to Equifax. In it, you will see detailed information and PROOF, that this public record needs to be removed. I remind Equifax, 3rd party verification, does not constitute proof that this is valid, it proves that you are in violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Experian Information Solutions Inc.
State: NV
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:
XX/XX/XXXX, I went to my local IRS office to talk about my personal incomes taxes and was advise at that time that someone from California Edd and Maryland EDD has filed unemployment under my name and social security number. California someone has collected {$12.00}, XXXX and Maryland {$11000.00}. this place in XXXX and XXXX i have attach copies of my taxes transcripts as well My reports numbers for California Edd # XXXX FTC report number # XXXX Police Report number XXXX I don't believe none of these agencies are doing anything about it IRS , and the Edd offices as well. I don't feel protected at all and i am seeking damages and the security of my personal information. I am allowing 30 days to have my credit updated, taxes updated, and I want the people who did this so i can sue them or I will come after these companies

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 2017-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Received credit reporting alerts and Transunion is displaying a 30 days late, deliquent, Missed payments account on my XXXX XXXX XXXX vehicle loan account # XXXX. Issues was resolved with loan lender and lender stated no negative reportings. Federal Government complaints was filed against XXXX. I am XXXX XXXX and Retired.

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 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been trying to get incorrect fixed on my credit report. Sent letters 2 months ago to the credit bureaus, all 3 and have not heard a thing.

They all have numerous addresses for me. 

The only addresses it should mention are XXXX XXXX XXXX XXXX Wisconsin, XXXX and XXXX XXXX XXXX XXXX XXXX, wi XXXX ALL OTHER addresses need to be taken off. Some of these addresses I do not know where they found them. 

The only name they should have on my credit file, is XXXX XXXX XXXX. NO diversions from this name. Only this name. 

None of the phone no 's are correct. Phone no. need to come off. 

My employer- they do not have any correct employers. I don't know some of these places they list. They need to come off. I can not believe all the incorrect information they have.

I only have the one social security no, only one. Only the correct one should be listed. 
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 2022-07-08
Company: Affirm Holdings, Inc
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
RESERVATION : XXXX XXXX XXXX  I was approved for financing a trip with XXXX  paid via Affirm Loan Services XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, they preapproved me and then ran my credit. I was trying to get information for my travel booking instead i was rerouted for a hotel stay at XXXX XXXX XXXX. Then, since it was the last room left, the affirm banker paid for my stay with the credit card before i actually reserved it, or confirmed the booking. They keep trying to collect an unpaid debt even though the hotel never charged me and has issued a refund for the charges from XXXX with no penalty. XXXX is requesting a letter from the hotel property stating there was no restocking fee for the cancellation, as it was a no refunds item. Since, it wasn't used for the intended purpose i am requesting a cancellation of my loan. Affirm has only adjusted my account for the remaining unsued portion of my debt. Please address this issue, both XXXX XXXX and XXXXXXXX property manangers has confirmed it was successfully canceled. They have also emailed XXXX XXXX with requested emails. However, XXXX is refusing to give the funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: EQUIFAX, INC.
State: TN
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: Investigation took more than 30 days

Complaint:
An original letter was sent on XX/XX/XXXX, and I have not received a response nor have these unauthorized inquiries been removed. Therefore I am sending a complaint to prevent this matter from being unresolved for any longer, as I have not received a written or electronic response in regard to these unauthorized inquiries. There was an FTC Report attached as well and all inquiries email on the account. On XX/XX/XXXX I submitted a Demand 2 Comply in regard to not only the inquiries being ignored but the accounts that have been requested to be investigated as well. I have been completely disregarded by this entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
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: Personal information incorrect

Complaint:
I have disputed the same incorrect address on both XXXX and Equifax multiple times. This address was placed on my credit reports fraudulently along with many hard inquiries that I have also disputed multiple times. These two credit bureaus have done nothing to remedy this. The address in question is linked with phone numbers that are not mine. They are in a state that I have never resided in. I have called them both and they keep telling me that they are removing the address and phone # 's but they are still there. I uploaded the pages from my credit reports in question. The items that I marked are the ones that I disputed which inculde the address and phone numbers. 
I put both together I was afraid that I wouldn 'd be able to file a complaint separately I am sorry for that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08
Company: EQUIFAX, INC.
State: IA
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 XXXX XXXX, am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : DEPTEDXXXX : ACCOUNT # XXXX DEPTEDXXXX  : ACCOUNT # XXXX DEPTEDXXXX  : ACCOUNT # XXXX DEPTEDXXXX : ACCOUNT # XXXX DEPTEDXXXX : ACCOUNT # XXXX DEPTEDXXXX XXXX ACCOUNT # XXXX DEPTEDXXXX  : ACCOUNT # XXXX DEPTEDXXXX : ACCOUNT # XXXX DEPTEDXXXX : ACCOUNT # XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, XXXX, Equifax permission to furnish my credit report . Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, XXXX, Equifax are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, XXXX, Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
My wife passed away on XX/XX/XXXX and we were reliant on her social security and pension for our monthly income. Those income streams have now stopped so my monthly income is less than half of what it was. After rent I have next to no disposable income for this credit card payment. I contacted Captial One on XX/XX/XXXX and asked if they would consider reducing the 24.99 % interest rate so that I can reduce the minimum monthly payment and so that it will go towards principal repayment. They did not care about any personal hardship or the death of my wife and they would not agree to lower the interest rate. I want to do the right thing and continue to make very small monthly payments on this account, but I can not meet this obligation without Capital One 's assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: 1st Franklin Financial Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
XXXX for XXXX and XXXX. I am XXXX months behind. I can not use their online payment because they lock you out to come to the office which is very inconvenient at the time because I work and due to XXXX effecting my family at this time its been more stressful with bills and holidays. They constantly call back to back leave nasty messages and keep stating they will file a suit against me. I been paying these people for almost 3 years and its ridiculous how their customer service has gotten. Its takes at least a call with a message or even an email because people do go through a lot. Once I get the chance to pay off I no longer want no dealing with this company 1st Franklin Financial XXXX GA is not very courteous to family at all.

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 2022-02-04
Company: America's Mortgage Center, LTD.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
case number XXXX was closed jthe mortgage company never gave you the letter from FEMA about the flood Insurance The company has a copy on file that iI sent it to their office. They choose not to send the documents to you so i will send it with this commplaint

Company response to consumer: Untimely response
Consumer complaint received 2021-12-08
Company: JPMORGAN CHASE & CO.
State: MD
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:
XXXX unrecognized hard inquiries appear on my credit repot ( see attached ), from " JPMCB XXXX '' and " XXXX XXXX XXXX '', both on XXXX. I did not apply for any cards or loans in that timeframe. 

I was not able to reach anyone via phone to get more details at either JPMorgan or XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I received notice from my municipality regarding real estate taxes. I contacted Huntington, my mortgage company, and alerted them about the amount, {$1700.00}, and I was assured it would be paid on time. In XX/XX/XXXX I received a letter from my municipality stating that a lien would be placed on my home if the taxes remain unpaid. Now, with penalties and late fees, the new total was {$2100.00}. In XX/XX/XXXX I was again assured that it would be paid. I was told a check was sent via XXXX  ( a tracking number was not available ) and that it would be sent before the new deadline. I called Huntington again on XX/XX/XXXX to be sure and was told that my case was closed because there has been a resolution. In XX/XX/XXXX, I received another notice from my municipality stating the real estate XXXX taxes were still delinquent. A lien has been placed on my home effective XX/XX/XXXX. The taxes are still unpaid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-17
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
My account with Coinbase is restricted and is currently shown as negative ( -XXXX ) due to problems with my bitcoin buys from my XXXX XXXX credit card. Coinbase is not responding to my support requests. This problem was because two purchases were mistakenly disputed ( I have alot of purchases and mistakenly did not recognize two of them ). One was for XXXX and the other for XXXX The dispute of XXXX was ultimately found in ( coinbase ) favor and it was recharged to my credit card account. The other dispute of XXXX is still pending. Since the dispute was settled in their favor my account should be negative ( -XXXX ) and not negative ( -XXXX ). Due to Coinbase restricting my account I am unable to access bitcoins currently worth {$170.00} already in my Coinbase wallet because they want me to pay -XXXX instead of -XXXX. If they want me to pay XXXX to regain access to my account that is fine. However, they are trying to double bill me by saying my account is negative XXXX. Attached is proof that the XXXX was rebilled to my account. The first attachment is a secure message from capital one saying coinbase won the dispute and that I was re-billed. The second attachment is my actual credit card statement showing I was successfully re-billed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
Due to the breach with Equifax getting hacked, I decided to put a freeze on my credit report with all three agencies. XXXX Equifax, XXXX and XXXX XXXX I was in shock & in disbelief that XXXX CHARGED ME to do so!!!!!!!!!!!! Now, I have learned that to temporarily or permenantly Unfreeze my credit report with ALL three agencies, I WILL BE CHARGED AGAIN!!!!!!!!!! 
The act of charging anyone to Freeze or Unfreeze their reports because of Equifax 's XXXX is Demonsterable to say the least!!!!!!!!!!!!! 
I am requesting that I be repaid for freezing my account with XXXX & not be charged to unfreeze my accounts with all three agentcies!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have asked Transunion to fix these issues and i have sent copies of cease the reporting of these inquirese as soon as possible on my credit file. Also new ones have been added recently that do not recognize and i have asked to be removed. I have not been credit shopping fpr new credit in the last 4 years for new credit.

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 2017-08-17
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is a follow up response after reviewing Equifax 's generic response about XXXX XXXX account number XXXX. I disagree with Equifax. Who did they speak with and what was the contact number? Both XXXX and XXXX did their research and fixed the issue. Why is Equifax the only one that is not truly investigating? I want this information because I believe they are only sending a generic response changing names of companies etc. I want their contact the contact person from the creditor. I am aware of what the statue of limitations is that was never my issue.

Company response to consumer: Closed with explanation