BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery has changed the dates several time about these accounts that's in collaborations. It is way pass the time for these collections to be removed. Collection accounts are Portfolio Recovery XXXX {$790.00}, Portfolio Recovery XXXX {$1000.00}, portfolio Recovery XXXX {$1900.00}, Portfolio Recovery XXXX {$2000.00}. I've reached out to XXXX XXXX multiple time regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Early Warning Services, LLC
State: PA
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 closed my checking account on XX/XX/XXXX and XXXX XXXX XXXX XXXX is reporting to Early Warning Signs that my account was closed on XX/XX/XXXX My phone numbers on the report are incorrect as well. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I respectfully ask that you eliminate this incorrect account from my credit report since I never authorized its creation and it's not mine. The supporting documents, which validate my claim, are attached.

Company response to consumer: In progress
Consumer complaint received 2022-12-23
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I asked the credit bureauto perform a verification on the collections that are on my credit report. They have stated that all the accounts are accurate. While I performed a through research myself and find improperinaccuracies after they performed their research. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account Name : XXXXXXXX XXXX XXXX has violated my rights. 

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.

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 2020-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I overpaid by balance by {$10000.00} on XX/XX/20. I was told I would get a refund check within 7 days. It is now XX/XX/20 and I have received nothing. I called again and they are refusing to refund the overpayment and closed the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-16
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Good evening, My wife and I were on a forbearance program when PHH Mortgage services bought our loan. The information was not transferred correctly so they came after us. After they found out everything was already in the process, they placed us on their forbearance plan. When it was time to pay the mortgage again. They wouldn't allow us to do so unless we mailed in a cashier 's check. We have no way of monitoring our payments. I have been on the phone with them and have had to start recording our conversations because they are telling me that there is a lien on the property but there's not. I have the paperwork to prove it but they won't take it and they don't care. They refused to listen to what my wife and I had to say. They keep telling me that their system will not allow me to make a payment online or with a debit card. They have been sending me letters in the mail about being behind and in default and each time I call they just tell me that it's an automated system and that my account is in good standing. This doesn't make sense to me and I'm worried that they're taking my money and then going to take my house. I have saved the receipts from when I have sent them money but when I called the rep told me that I was 10 payments behind, their paperwork says the same thing. Were not though. I've heard nothing good about PHH and I'm starting to see why. They say someone is going to call and help me but nobody ever does. Lob story short, they're saying my house doesn't have a clean title. THats what title insurance is for so if there was an issue, I am protected and they should allow me to operate in a normal manner. Not to mention, this is the second company to own my mortgage and we had zero issues with the first company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am request the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX DOB XXXX SS XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX, LEXIS NEXIS, XXXX the also have records of file the are wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My Wells Fargo visa card balance was {$540.00} on XX/XX/XXXX. I have a reoccurring loan payment that a portion of goes to my " Wells Fargo '' visa* card which is my overdraft account after my " Way to Save '' account. " WF offers early direct deposit and my checks are usually in my account Wednesday or Thursday of every week. I pay that overdraft fee from my checking account on the 9th day of every month if necessary. On XX/XX/XXXX, I viewed my activity on my checking account and noted my loan payment of {$270.00} and a " XXXX '' XXXX XXXX payment in overdraft on my Visa card. As usual, I went to my online account on XXXX XXXX XXXX XXXX XXXX XXXX  and viewed my direct deposits ; XXXX XXXX weekly deposit of {$420.00} and XXXX bi-weekly deposit of {$830.00} in my checking account., I paid {$400.00} to the visa* card, {$100.00} to my " Wells Fargo , Bilt '' card, and transferred $ XXXX savings My remaining balance was {$330.00}. On XX/XX/XXXX I paid another {$50.00} my balance was still {$540.00} hours later I had a cash advance of {$950.00} on my credit card and my checking had over XXXX in it savings was $ XXXX disputed. My savings was restored. The credit balance went to {$1100.00}, and .later the interest was removed. My credit score is XXXX pts. I was told I would not be charged interest on the unauthorize cash advance.

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 2023-04-30
Company: Experian Information Solutions Inc.
State: NC
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:
My identity has been compromised since the year XXXX. The thieves used my stolen information to obtain an auto lease with XXXX XXXX. I became aware of this situation in XX/XX/XXXX after receiving numerous credit application denial letters that I was utterly unaware of and didn't authorize. Afterward, I reviewed my credit report and then noticed this account, which I was also completely unaware of. This account has been negatively reported since XX/XX/XXXX which is significantly affecting my credit score. I've disputed this account numerous times with no result and also have not received any information regarding this account from the company.

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 2018-10-24
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I opened a prepaid business credit card with XXXX XXXX XXXX in XX/XX/2018. My initial deposit was {$500.00} for a credit limit of 90 %, which is {$450.00}. I made subsequent deposits inside a branch on the following dates : XX/XX/XXXX added {$250.00} XX/XX/XXXX added {$50.00} ( I was told by branch manager limit should become {$800.00} today ) XX/XX/XXXX added {$500.00} Today, I returned to XXXX XXXX XXXX   at XXXX XXXX XXXX XXXX XXXX, Tx XXXX. The branch manager didn't even acknowledge me, even after speaking with each other last Thursday XX/XX/XXXX. My credit limit remains at {$450.00} and no one can tell me where the other money is! 
I spoke to XXXX XXXX. She called the business credit card department in XXXX Alabama. She was able to send an email to an underwriter. We agreed to send a hand written letter to the underwriter. No response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am a federally protected consumer. I am directing this complaint against Transworld Systems Inc, for committing identity theft. Upon reviewing my credit report i noticed a fraudulently furnished account ( ACCT # : XXXX ) made by Transworld Systems Inc. I have never given Transworld Systems Inc, any permission to use any of my identifying information to commit mail fraud by contacting me in reference to an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S.Code 1692e ( 12 ).

I have not validated any alleged debt with Transworld Systems Inc and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX, I have not received any documentary evidence, such as a trilateral contract, giving Transworld Systems Inc any right to collect on this alleged debt. 
I have never received any documentation requesting validation from Transworld Systems Inc, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Transworld Systems Inc, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Transworld Systems Inc, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Transworld Systems Inc, continues its collection efforts, I will file for litigation for actual damages caused and Transworld Systems Inc, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Experian Information Solutions Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2022-06-11
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my credit reports in XX/XX/2021, I found an account from XXXX XXXX ( at some point the agency began reporting the same account under XXXX XXXX and XXXX XXXXXXXX ) that I was not familiar with. On XX/XX/2021, I made several failed attempts at contact with the agency in XX/XX/2021. On XX/XX/2021, I sent a debt validation letter certified to the agency along with identification documents to show my address. The agency failed to respond to my validation request within 30 days. On XX/XX/2021, I received a response from the agency with several different account numbers, grammatical errors, and an address that does not belong to me. I responded to the agency detailing all the inaccuracies and requested that they stop reporting this account to the credit bureaus because it does not belong to me. I also reach out to the credit bureaus requesting removal of this account after supplying the documentation I received. I sent several debt verification letters with no resolve.

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 2023-04-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have an huge problem ok I'm on this program an I know my thoughts correctly an fars as I'm concerned I'm supposed to get paid for identity theft ok now I have told these people NUMBEROUS TIMES about resolving this situation an it's still not fixed now I don't want to get ugly in any situation but if I'm supposed to get my payment I should of been got or received a check in the mail by law now what is the problem I need some answers immediately I'm done with all the waiting I'm not getting any questions answered my identity is being stolen people constantly using my name for things I still ain't got anything disputed my credit score is below XXXX now come on now I deserve some kind of JUSTICE HERE PLEASE

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 2023-09-16
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/, I went to the XXXX XXXX branch of US bank to deposiXXXX {$640.00}. I checked my account and realized the money was never deposited in my account. I went back to the branch and they had deposited my money into someone elses account. They apologized and told me by the end of the week, they will deposit the money back into my account. Its now XX/XX/2023 and the funds are still not there. I contacted the representative and she told me she is sorry and will give me an update later today and she sent me an email with the same message. She has not called nor answer my emails for an update. Even customer service doesnt want to help me. I have been with US bank for over 15 years, I feel like someone stole my money and no one cares to help me.

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 2023-04-30
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: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting act. XXXX, transunion, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

These names, addresses, and employment do not belong on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX 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 explanation
Consumer complaint received 2021-08-16
Company: Security National Financial Corp
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have an impound account with my mortgage, Security National Mortgage Loan Servicing department. The loan servicer is not part of Security National. 
All money for my homeowner 's insurance had already been collected and was due by XX/XX/XXXX. 
On XX/XX/XXXX, I received a letter from the mortgage servicer, which read, " Our records show your hazard insurance is expiring, and we do not have evidence that you obtained new coverage ''. ( it had ALREADY expired by then because they didn't pay it and there was no " new '' coverage -- it was the same coverage ). 
On XX/XX/XXXX, I decided to switch to a new homeowners insurance company ( since the servicer for Security National Morgage had not paid the bill ). The policy went into effect that day. 
On XX/XX/XXXX, I received a letter from the servicer which indicated : " On XX/XX/XXXX, we called XXXX XXXX XXXX  XXXX XXXX XXXX in an attempt to obtain your homeowner 's insurance renewal policy information. We were unable to speak with a representative or leave a voicemail ''. So, they called a NATIONAL company days before the policy is due to pay, and no one answered the phone? Why did no one call me? 
I'm still receiving letters because " I did not have insurance from XX/XX/XXXX to XX/XX/XXXX, '' and they will be charging me " an estimated {$94.00} ''. Why did the loan servicer not pay the homeowners insurance we had already set up with the money they had ALREADY collected? At that point in time, it was the exact same policy as years before. Nothing had changed. If there was something they needed, why did no one reach out to me? Their decisions not to pay my homeowners insurance could have cost me extreme financial hardship had an insurance event happen during this time. They are trying to charge me for the day of XX/XX/XXXX, even though their correspondence shows that the new policy took place on XX/XX/XXXX. This is an apparent attempt to extort money, even though the loan servicer was already in control of my insurance premium and my insurer should have paid. The servicing company is still threatening to charge me. I have recently requested that they cancel my impound account for my insurance, as I feel they are incapable of doing their job and swindling unsuspecting customers. There was NO reason they could not have paid my prior insurer XXXX which was the insurer they already had on file ( same as the prior year ). If they desired some documentation they had no received, there is no reason they could not reach out to me directly and request it BEFORE the expiration.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: CITIBANK, N.A.
State: FL
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:
Citi bank, otherwise known as CBNA did a hard inquiry on my credit report today with out my consent. I ordered a replacement credit card from Citi because my magnet strip was not working on my current Citi card. This in no way should have made them do a hard inquiry. I have not applied for any other credit card from Citi nor have I applied for a credit line increase on my current Citi card.

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 2023-04-30
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting act. Experian, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

These names, addresses, and employment do not belong on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX 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