BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX, I needed to unfreeze my credit and was unable to. 

Upon logging in error message : " Please give us a call We can't complete your request at this time. 
Please call the Customer Care team XXXX Customer Care is available between XXXX a.m. and XXXX p.m. ( ET ), Monday to Friday. '' First off, that's a very poor error message. 2 100 % confirmed that my information is correct, XXXX this has happened without reasonable explanation many times with Equifax. 

I called the number, spent 30 minutes on the phone to then have to wait a day or few days to possibly receive an email to let me login. They could not give me a clear answer on why I was receiving this message. It's not acceptable for something so critical to people 's " freedom '' in America. 

This should not be legal, they are blocking me from accessing my own credit report and applying for credit in time sensitive situations. I can't login to my own account. 

They acknowledged on the phone that they were having a " website issue '' and that there was not fault of my own. They supposedly reset my account. 

Come 1 months later on XX/XX/2022 when I need to unfreeze my credit again, the same problem! No access to my account. It's absolutely ridiculous that the government allows other companies to legally lock or block access you the consumers OWN information. Why is Equifax in control of my information and not making me ineligible to move in to an apartment? This is terrible and must be fixed. 

We need a blockchain solution, put the power of people 's information in THEIR hands, and not a for profit business please. 

I have to call this for profit company yet again and figure out what is going on. I don't do anything unusual with my account what so ever and have very secure credentials. The keep having 'website issues '' and don't have an online way to fix this, and how can you only offer support Monday through friday XXXX - XXXX? That's not acceptable for many people who work during those hours. 

Yet they get to control your access to loans and moving into apartments and mortgages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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 been receiving notifications about Hard inquiries from Capital One Bank. That i did not authorize or recognize. I am concerned about identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have hard inquiries on my Equifax credit report that are fraudulent, unauthorized and not mine. The following hard inquiries arent mine : XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, Equifax Consumer Affairs, XXXX/XXXX/XXXX, Furthermore, the following address dont belong to me : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MN XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: Experian Information Solutions Inc.
State: NY
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 disputed an account that shows closed by credit grantor to correct it as closed by consumer and I sent documents proving it however The credit bureau still showing closed by grantor.

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 2019-08-06
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To Whom it May Concern, I had my mortgage with Ocwen loan services for over 7 years. While with them, I paid my Insurance and Taxes separerately which worked well. As usual, I paid the same for the rolling years XXXX. 

Earlier this year ( XX/XX/XXXX ), Ocwen was bought out by a company called PHH Mortgage, PHH automatically opened up an escrow account and denied me paying my insurance and Taxes separately. This has caused my mortgage to go up almost {$500.00}, When I contacted them multiple times they said I didnt qualify. It has also forced me into paying for already paid taxes and insurance ( Double pay ). 

Please help me, I can't afford the increase in Mortgage and I think its unfair for this company to just force me into escrow when I didnt sign anything with them and already agreed my way of payment with Ocwen. 

Above all, This new company has shown no effort whatsoever in helping me and seem not to care about my mortgage history. 

I really appreciate if you can help my out, I feel like a victim and feel exploited by PHH mortgage. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/XXXX portfolio recovery called my work and told 2 of my asst manager that i was being sued and that they were coming by my work to have a cop bring me a subpoena and then again they called again on the XXXX and told my main manager the same thing and they are constantly calling every day on my cell phone I only work 20 hrs every 2 weeks and my hrs are getting cut because of them calling and taking up their time and its very embarrassing when they bring me aside to tell me about the phone call from them and I have XXXX XXXX which triggers my XXXX and makes it harder for me to work when I'm worried about them calling my job

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I purchased a bank check in the amount of {$1500.00} payable to my granddaughter. My granddaughter missed placed the check and I put a stop payment on the item. I was told that the replacement of said item would take 90 days. I found this unacceptable. I tried to get them to replace it sooner and they will not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-28
Company: CAVALRY INVESTMENTS, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted Cavalry Portfolio Services on or around XXXX/XXXX/XXXX requesting validation of debt. On XXXX/XXXX/XXXX I received the attached documentation which is nothing more than a statement that fails to establish that is valid and mine specifically, that the debt was transferred to Cavalry Portfolio Services, fails to document complete account history, and also fails to provide the original agreement of the account. Therefore, this account should not be considered valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
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:
This is a formal complaint that Equifax, XXXX, & XXXX are reporting inaccurate and incomplete credit information. This a violation of XXXX XXXXXXXX XXXX VIOLATION MISLEADING FALSE REPORTING

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened an account with HSBC advance on XXXX with a promise of a welcome bonus after 8.wks. I called after XXXX when the 10K was deposited to make sure it was set up correctly to get bonus & was told it was. Called after the 8 wks and was told that they had another 90 days until they had to add the bonus. Did online chat and was told it would be added soon. Online chat again XXXX and was told they would open a inquiry. Sent a email Sent XXXX XXXX Dear XXXX XXXX XXXX Thank you for contacting HSBC BANK USA XXXX NA We understand your inquiry and apologize for the inconvenience. Upon reviewing your account details, we are showing our Campaign and Promotion Team has been made aware of the promotional bonus. A case  was opened on XX/XX/XXXX. Once a response has been documented on your account, you should receive a email. 

If you have any further questions or concerns, please don't hesitate to contact us either via BankMail or Live Chat. 
For additional information on the products and services HSBC Bank offers, please visit us at us.hsbc.com Thank you, HSBC Digital Contact Center HSBC Bank USA, N.A. XXXX. All Rights Reserved. 
In regard to your promotional query ( KM XX/XX/XXXX Dear XXXX XXXX : We are writing you in regard to your promotional query.We wanted to advise that we have sent a request to our Area Manager to provide approval for the {$400.00} promotion. Please allow three to five business days for this approval to occur. Once the approval occurs, we will reach out to you to provide this information. 

We appreciate your patience while we work on this for you. 
If you have any further questions or concerns, please don't hesitate to contact us either via BankMail or Live Chat. 
For additional information on the products and services HSBC Bank offers, please visit us at us.hsbc.com Thank you, HSBC Digital Contact Center HSBC Bank USA, N.A. XXXX. All Rights Reserved. 
Called XXXX. Nothing can be done The account # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I have two inaccurate late payments reporting on my TransUnion credit report from XXXX XXXX XXXX listed in XX/XX/XXXX and XX/XX/XXXX. I have disputed the inaccurate late payments with TransUnion but the bureau refuses to remove the inaccurate information stating that XXXX XXXX XXXX verified the late payments as accurate. I have contacted the company and Ive been informed that there are no late payments reporting on my closed account. The car payments were due on the XXXX of each month. I am attaching a copy of my personal bank statements showing when the payments were withdrawn from my checking account. The XX/XX/XXXX payment was withdrawn on XX/XX/XXXX ( which is not 30 days late ). The XX/XX/XXXX payment was withdrawn on XX/XX/XXXX ( which is not 30 days late ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-06
Company: CORELOGIC INC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Website was not allowing me to freeze my credit report. 
Demanding security freeze on accounts held in my name. 
Violation of 15 USC 1602 ( p ) and 15 USC 1681i.

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 2017-11-08
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I was recenty approved for the XXXX XXXX Platinum card at a XXXX credit limit. I called in to customer service on XXXX/XXXX/XXXX and spoke with 2 supervisors in the customer care deprtment. The first supervisor advised me to call XXXX directly because they are the ones that push the update to her end. XXXX stated they are only a payment processor which makes sense as all my previous XXXX XXXX upgrades with other banks had discretion. The next supervisor said the option had to appear under offers on the account. So I know typically all thats required of a XXXX XXXX is a XXXX  credit limit, I am well above it and would just like to go ahead and upgrade my card to the XXXX XXXX XXXX  since all requirements have been met and I know for a FACT barclays is sending out the signature version, because someone I know just received their card today.

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 2019-05-12
Company: SYNCHRONY FINANCIAL
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: Problem with rewards from credit card

Complaint:
This is re : Synchrony Bank/Banana Republic. 

Back in XX/XX/2018, I should have had about $ XXXX {$90.00} in rewards dollars in my account, but figured it was a glitch. I started dialogue with Synchrony/Banana Republic in XX/XX/2018 when I discovered that those dollars were gone and I didn't use them. Since then, I have been trying, via using the message feature within my account and phone calls, to try to get this problem solved. I was told that this resulted from a glitch in their system, yet I am constantly told they are " researching my issue ''. 

I have been pursuing the reinstatement of lost rewards ( which is actually well over original amount now since I have made additional purchases. The company might say they have sent me replacement certificates ( back in XX/XX/2018 ) for the rewards dollars, but the links never worked and they are aware of the links not working. 

I have kept a very detailed summary ( timeline ) of this issue, which I am more than happy to share. I am not going to link it right now, but will if it's deemed as something that will be useful. 

I am at the point where I believe that my issue has not been handled properly and that it's best to move to the next step. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: EQUIFAX, INC.
State: CO
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 credit dispute XXXX XXXX, XXXX We attempted online dispute and was timed out. 2 attempt answered wrong security question and was blocked and could not access with several attempts. 

Unable to correct erroneous information, but their system or employee took this as completed which it was n't. We did n't submit or check any boxes to submit or be mailed to anyone. We would not do this online. 

A week later, received email from Equifax re : dispute status, dates and confirmation numbers. 

Top line with confirmation number, Status completed, dispute date XXXX/XXXX/XXXX completion date XXXX/XXXX/XXXX Results : MAILED! though date is XXXX. ( We preprinted the erroneous report. ) We did not authorize this for anything to be mailed! 
We called them right away to ask what and to whom it was mailed. They mailed it to the wrong address. The identity thief 's address and said it was a fraud alert only. GREAT. 
How stupid is that? What kind of company does this? Shame on you. We should go to the national news and local TV stations. I filed a complaint with the Georgia AG and BBB. We are telling everyone what EQUI FAX did.  Banks and businesses to stay away from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: U.S. BANCORP
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XXXX/XXXX/XXXX, I received a mail letter from US Bank, notifying me that I had a late payment on my credit card account. I immediately made full payment which was owed on the same day. Then I applied for a home loan equity during XXXX XXXX, and was informed by my loan specialist that a late payment was posted on my credit report for XXXX. I immediately tried to dispute with US Bank, considering that the late payment happened in XXXX and I was not notified until XXXX, the same time with when they reported to the Credit Bureau. I also had auto payment set up on that account and it did not work. Even now, I had to manually make payment every month because the auto pay function is still not working. I tried to contact US Bank Card member service twice and they only sent me a general response and kept asking me to give them more information, which I already did. I already made request twice to them that the false report has to be removed from my credit report. They did not want to acknowledge the fact that the had failed to give me proper notice within 30 days when the incident happened. I was not allowed the proper time to act on it. 
This false late payment report has hindered me from closing on my equity loan, which resulting in thousands of interest I had to incur during this time.

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 2021-04-16
Company: ENCORE CAPITAL GROUP INC.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
my original debt to XXXX  XXXX, {$650.00} ( principal was 287.20 and finance charges were 371.18 ) was charged off on XX/XX/2019 after my brother suddenly and tragically died and i was required to pay for his funeral/memorial services. midland credit management purchased this debt for under 40 dollars ( account number XXXX ). due to these extenuating circumstances, i worked with other credit agencies to negotiate other debts. XXXX XXXX and XXXX XXXX negotiated fair payments which i settled immediately ( 50 % of debt ). i called midland credit agency and requested proof of original debt. they told me they didnt have that information and refused to send it. i was transferred to a call center in XXXX and then back to a call center in Virginia. I spoke with XXXX, who said that MCM did not have proof of original debt and I would have to look at my original bills. i offered MCM a lump sum payment of XXXX  dollars. they refused to accept this even though they would have made a substantial profit since they purchased my original debt for pennies on the dollar. they are greedy and should be investigated by federal legislation. i am prepared to pay XXXX  immediately if they agree. I have lost substantial income due to testing XXXXXXXX and developing severe symptoms from XXXX XXXX  for over two months. Since MCM purchased my original debt for under 40 dollars, i believe a good faith effort to negotiate a payment of XXXX dollars is reasonable and they will still make a profit. anything else is price gouging.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: Rauch-Milliken International, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
told girl on phone that myself as well as business was discharged thru bankruptcy, however she got rude and said i still needed to pay anyways. 

She then faxed a letter ( i Have copy ) saying they are going to file suit against a company that no longer exists and is in bankruptcy protection. Sent it back stating this but i fell this wont be the last i hear from her

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XX/XX/2022 I sent a request to XXXX XXXX to validate a debt they listed. I gave them same info that they furnished to the credit bureaus. They responded telling me the information that I provided did not match any accounts that they have in their system. So I sent them a request to remove this account, As well as sending a request to Transunion, XXXX and XXXX with all documentation asking them to fully verify this account and provide me with that information or remove it. 

XXXX sent me a response that its " verified '' - funny how that works because the information was already said to be unverifiable by the company themselves. 
XXXX doesn't do any investigation XXXX - updates comments stating it was verified but has XXXX communication with me. 

Ive included all correspondence as well as copy of credit report.

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