BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-23
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
To whom it may concern, Carrington Mortgage acquired my VA home loan from XXXX XXXX on or about XXXX of XXXX. Since Carrington acquired my mortgage, they have increased my payment by XXXX percent. I have diligently attempted to work with customer service and the Escrow Department since XXXX of XXXX, in an attempt to remedy the predatory lending practices that have burdened me with a high monthly mortgage payment. Due to customer service failing to rectify my loan discrepancies I have suffered a financial hardship and loss of great credit standing with XXXX, XXXX, and XXXX. Specifically, Carrington Mortgage is reporting my loan payment to all three credit bureaus inaccurately in the amount of XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( {$2500.00} ) ; my actual monthly loan amount is XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( {$1000.00} ) ; see Fixed Rate mortgage note attached. Additionally, customer service has failed to update my file to reflect my tax exemption status and remove my account out of an escrow status, whereas my property insurance is directly paid by me. On XX/XX/XXXX, Carrington Mortgage arbitrarily paid an annual premium to ( {$8.00}, XXXX ) to XXXX XXXX  from my Escrow Account ( depleting my escrow reserve ) without my consent, which in turn changed my homeowner insurance to a non-escrowed/directly billed account ). See Proof of Homeowner Insurance. Consequentially, due to their negligence or oversight, their mistake has caused my account to go into a negative escrow which raised my monthly payment significantly. Furthermore, Carrington mortgage is not paying my insurance premium monthly, whereas the annual premium has been paid thru XX/XX/XXXX, but Carrington Mortgage is still charging me monthly. 

Therefore, I am requesting the following remedies for my pain and suffering : 1. Carrington Mortgage contact all three credit bureaus and remove all negative delinquencies and update my account as paid on time ; 2. Carrington Mortgage waive all late fees from XX/XX/XXXX through XX/XX/XXXXXXXX  and issue a credit to my account ; 3. Carrington Mortgage update the payee portal on your website to reflect my accurate monthly mortgage amount ( {$1.00}, XXXX ) ; 4. Carrington Mortgage contact all three credit bureaus and report my monthly payment accurately in the amount of ( {$1.00}, XXXX ) ; and 5. Carrington Mortgage in good faith provide me with a XXXX  ( XXXX ) month payment exemption ( settlement amount {$16.00}, XXXX ) for my pain and suffering. 

If you have any questions, please call me at ( XXXX ) XXXX or email : XXXX. I have attached the following evidence for your review :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Jefferson Capital keeps re-aging an old XXXX account which was never owed! I have XXXX  XXXX  for decades. This is fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently obtained a copy of my credit reports from all three agencies. There are numerous and excessive inquiries showing, of which I know are not mine. I only applied for a vehicle loan last XXXX. The inquiries are excessive and taken without my permission. I am requesting all but the XXXX XXXX vehicle loan inquiries removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX ( financial aid ) dollars was deposited to my account at citi bank which is in the process Of being closed i have called many times to have those funds released to me and they are denying and not being understanding that those funds are needed immediately to cover for school supplies which are needed by the end of this week or else i will get dropped from every class

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My issue is really not with the collections company ; however, it is that I should not be receiving calls, texts or bills regarding lab work done in doctors office ( which was out-of-network for my insurance ), so they denied claim because the doctor did not do her verification of coverage before service was provided. The matter is being disputed under the XXXX XXXX XXXX Billing Act with hopes that it will be resolved accordingly, but in the mean time, this XXXX XXXX ' has been sent to collections.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Sent dispute letters and never received any verification forms back, also the information on the report is not correct, there are different information on all three reports reporting the wrong information on all three reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I uninentionally bounced a {$200.00} check of which I paid including the fees. The check was valid just funds did not cover it. I do NOT have long standing record of bouncing checks. 

Bank of America added a fraud alert which is preventing my from my Civil persuit to happying, living according to the law and succeeding in my 4 newly established businesses that I can make or recieve payments. 

I have asked over and over for not even the removal but justification and they responded stating that they are not obligated to remove or respond to my request. 

I have sent multiple inquries and they have NOT responded to even one.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: SC
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:
After reviewing my credit report on XX/XX/23 I noticed that there are accounts on there that should not be. XXXX WAS PAID free in clear I have my title for that vehicle as well so there should not be any negative remarks. XXXX XXXX XXXX XXXX is reported completely inaccurate this alleged debt has never been verified even after I sent in a request for an investigation over 3 times. The dates don't match and this is causing extreme hardship for me. I don't know much about how this process works but I do know the FCRA demands that you report 100 % accurate information. XXXX XXXX XXXX is another account that was furnished inaccurately and it was deleted from one credit bureau because of its errors but yet Equfiax is still reporting it. Your organization is governed by the same federal laws in which if there's errors with one account it shall be removed from all bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello. My account is closed on XX/XX/2023. But I didnt receive any cashier check for my balance. I called a lot of customer service and never get real answer .I went to branch many times tooI need the fund to pay my house payment. I have already late pay for my house payment. I need help for the cashier check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Diversified Adjustment Service, Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2023 DIVERSIFIED ADJ SVC added a derogatory mark on my credit report ( XXXX, XXXX & XXXX ) per XXXX. Upon further research, the the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14
Company: FISERV INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
To whom it may be concerned.

I am a customer of Fiserv and have a credit card processing account. 

My funds have been illegally held since XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Fiserv has not emailed me or called me about this. When I called again today to ask what I can do to resolve this, they said they sent a letter to an old address I lived at over 6 years ago. 

The first time I reached out to them on XX/XX/23, my funds were held, and I wasn't able to speak to somebody until XX/XX/23. After that call, the woman on the phone ( XXXX XXXX ) assured me that the issue is resolved and all holds are lifted from my account. 

Shortly after that, just 8 days later, they silently blocked my deposits again, although this time I didn't get a call or an email about it like I did last time. 

Over the past month, I've lost valuable employees and I have over {$15000.00} being held illegally, and I'm not able to get in touch with anybody to resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
My name is XXXX XXXX. My twin sister 's student loans are reporting on my credit reports. I have been disputing them since 2018 and nothing has been done about it. I always get a letter stating it has been verified as a response to my disputes. I have contacted the XXXXXXXX XXXX XXXXXXXX and they do NOT have any open student loans in my name whatsoever. This is illegal reporting on your end. I can't purchase anything because of this. It is damaging my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
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 looked at my credit report and noticed many accounts and other items that dont relate to anything I have done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Experian Information Solutions Inc.
State: GA
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:
They have violated my rights, I have the right to privacy, they can not purchase my accounts without my written instructions. 


{$4600.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/2021 ( 1 yrs, 6 mos ) Account status Open Type -- Responsibility Joint Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX {$230.00} Open balance XXXX XXXX XXXX XXXXXXXX XXXX Original creditor XXXX Opened XX/XX/2021 ( 1 yrs, 8 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11
Company: Winklevoss Exchange LLC
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am writing to express my dissatisfaction with the current situation at Gemini XXXX. I recently attempted to redeem rewards from my account, only to be met with a lengthy and confusing process that has left me without the funds I am owed. 

Gemini XXXX advertises itself as a quick and easy way to earn rewards. However, this has not been my experience. Upon attempting to redeem the rewards I had earned, I was met with a confusing and difficult process. It first required me to fill out a lengthy form, with a variety of personal information that I had already provided when I signed up. After completing this form, I was then told I had to wait an unspecified amount of time before I could access my rewards. 

I understand that there are certain security and verification processes that must be followed in order to ensure that all transactions are completed safely and securely. But this process should not be so long and XXXX  that it becomes an obstacle to accessing rewards. Furthermore, I was not provided with any information on how long this process would take, leaving me in the dark as to when I could expect to receive my rewards. 

It is also concerning that there is no clear customer service line for Gemini XXXX. I have attempted to contact customer service multiple times, but have not received a response. This lack of communication is particularly concerning as I am unable to access my rewards and have not been provided with any information about when I can expect to receive them. 

I am extremely disappointed with the current situation at Gemini XXXX and feel that the company should provide more transparency and communication with its customers. I believe that the process for redeeming rewards should be simplified and that customers should be provided with more information about the timeline for when they can expect to receive their rewards. Additionally, a customer service line should be established to ensure that customers can contact the company in the event of any issues or questions. 

I hope that Gemini XXXX will take my concerns into consideration and make the necessary changes to ensure that customers are provided with a more efficient and transparent experience when attempting to redeem rewards. 

Thank you for taking the time to review my complaint. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting 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:
They have contacted me harassing me spamming me thats a violation I want all these items removed immediately that even belong to me The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

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