BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-11
Company: SECURITY FINANCE CORP
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have repeatedly told this company to stop calling because I am in the hospital. Not only are they calling me multiple times a day, they have called all my relatives and disclosed they were going to sue me and questioned them extensively about my hospital status, which is none of their business. The main person that keeps calling is 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 2019-08-11
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
BBVA failed to auto-debit from my personal BBVA account that pays my BBVA mortgage. I have had this auto debit setup with BBVA since XXXX. Nothing has changed on my accounts. This is the second time BBVA had a failure to auto debit from my accounts. Current incidient happened in XX/XX/XXXX when BBVA failed to auto debit my account to pay the mortgage which was noted as a mistake CAUSED by BBVA. It was a known mistake by BBVA bc letters were sent to customers apologizing for failure to auto-debit. This is an issue bc BBVA automatically sent my " failure '' to pay to collections. Since this is BBVA 's mistake, BBVA will need to send a letter to collections and take appropriate action to reverse the damage to my stellar credit score. I have tried multiple times to discuss this with BBVA and they said they can not help me. I am extremely frustrated. Please help. Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-11
Company: SYNCHRONY FINANCIAL
State: WA
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:
This company reported to the credit bureau a 30 day late payment when there has never been a 30 day late payment. In addition, they said I had a late payment this month. They never attempted to debit the payment, instead they deposited the payment amount into my account. After 3 hours on the phone and several transfers, being hung up on, etc. they still could not solve the problem. One of the most corrupt and incompetent companies I've ever interacted with.

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 2019-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
TransUnion stated they verified bankruptcies on my credit report. Ive attached a letter from U.S. Bankruptcy court stating they dont supply collection agencies information. Im requesting evidence such as the name, address and telephone number of anyone from the original creditor they contacted, to escalate this investigation. If Transunion obtained this information from a third party its illegal.

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 2020-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Bank of America closed down all of my credit card accounts due to the reason of unusual authorized user activity. After some due diligence and follow up, I found out from a representative that a duplicate request for an already existing authorized user was submitted, triggering this unusual alert. However, this request was not submitted nor granted by me. According to the representative, this request was submitted internally by Bank of America without my request nor approval, by mistake. 

After finding this out, I figured this was just an internal system error and should be an easy fix where some details pertaining to my account would need to be verified then confirmed for everything to be good to go. Actually, I was told this would be the case by the representative, but he mentioned how he had to transfer me to a different department for this to be done. After the transfer to the other department was made, this second representative told me something completely different and how the account was closed and how it was unable to be re-opened. I explained what the previous, more humble, representative had informed me about and he dismissed my explanation as if it had absolutely no relevance. 

I asked to be transferred to his supervisor or manager because I could not tolerate the exhausting arrogance but, unfortunately, their department was closed for the day. I got the hours and called immediately the next following day and had a kind lady named XXXX confirm the initial, humble, representative 's explanation. She attempted to correct and revive or appeal my accounts ' status back to normal but mentioned how she kept running into a system error which was not allowing her to do so. She was kind enough to understand my frustration and advised I document everything to the Consumer Financial Protection Bureau just exactly as I told her, precisely how I wrote here, and mention how the closure of the account was done in a wrongful manner so that appropriate upper management action could correct the situation.

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 2020-04-02
Company: Experian Information Solutions Inc.
State: NY
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:
Not my accounts or inquires

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 2020-11-18
Company: U.S. BANCORP
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
MY MORTGAGE COMPANY CONTINUED TO PAY TWO INSURANCES, UNBEKNOWN TO ME. MY PREVIOUS INSURANCE, XXXX XXXX, WAS SUPPOSED TO BE CANCELLED PER SEVERAL PHONE CALLS I MADE TO THEM. HAVING FOUND A BUNDLE DEAL WITH XXXX XXXX, I CHOSE XXXX XXXX AS MY NEW HOMEOWNER 'S INSURANCE CARRIER. ALTHOUGH I TRIED, THE PREVIOUS INSURANCE WAS NEVER CANCELLED, AND THIS CAUSED MY ESCROW ACCOUNT WITH US BANK HOME MORTGAGE TO BECOME NEGATIVE. I THEN HAD TO PAY {$2300.00} IN ORDER TO BRING THE ESCROW ACCOUNT CURRENT.

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 2020-11-18
Company: EQUIFAX, INC.
State: NJ
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 applied for a mortgage in Delaware this past summer. This is the law before you can see real estate in Delaware as your credit score must be known and approved. There was a lock on my credit score and for 3 days both the mortgage broker and I tried to unlock my credit with Equifax ; we could not do this despite my calling and calling Equifax and getting a different story each time I called. Equifax would not put me through to a manager. 

Issue 2. Phoney XXXX XXXX  credit card " discharged '' in 2017 for {$380.00}. I applied for a {$50.00} gift card and I was scammed into a XXXX XXXX  credit card instead with an unwanted credit limit of {$4000.00}. I already have a XXXX XXXX  card with a credit limit of {$3000.00}. I filed with NJ Consumer Affairs and my complaint was sent to Washington attorney general 's office but XXXX XXXX  did not answer in a timely manner. A few weeks ago, XXXX XXXX  tried to scam me, yet again, by pretending to look into their phoney business dealings with a " XXXX Executive officer '' lady and then telling me I could pay the {$380.00} for the " charged off '' credit card that I never requested in the first place. I never got a bill for this {$380.00}, I never charged anything except a slice of pizza and a soda on what I had ordered was a " gift card '' not another {$4000.00} XXXX XXXX  credit card. Please help me as I want to buy a condo in Delaware and not pay a higher interest rate because of my phoney, scamming XXXX XXXX  and Equifax, too.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
MY PERSONAL INFORNMATION WAS STOLEN BY AN UNKNOWN PERSON TO OPEN CREDIT CARD FRAUDULANTLY ON MY NAME THAT WAS USED AND REMAIN UNPAID. IT IS AFFECTING ME FROM GETTING CREDIT AND RAISED MY CREDIT USAGE TO MORE THEN MOXIMUM THAT GET MY CREDIT SCORE TO GO UP. I WOULD LIKE TO HAVE THAT DEBT REMOVED FROM MY CREDIT FILE PERMANANTLY.

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 2019-08-11
Company: John C. Heath, Attorney at Law, PLLC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Since I was in the process of buying a house I agreed to work with Lexington Law to help me improve my score. 

I was contacted by a paralegal, XXXX as I went over several things with her of what we needed to do, however, it was going to be difficult to pay the fee of {$100.00} each month. She said she had a smaller plan and she would let me know what it would be. She said nothing was going to happen until XX/XX/XXXX when my payment was paid. 

They charged me {$14.00} to pull my credit report on XX/XX/2019 to review and see what needed to be done. I told her I was working with a Mortgage company and they requested that I remove any Disputes on my credit report. Too late ... ..they had already filed 2 disputes to the bureaus. I was not aware they had done this and I called the 3 bureaus to remove disputes and the creditors changed how these were reported and it caused my credit scored to drop 35-70 points across the Credit Bureaus. 

They charged me {$55.00} on XX/XX/XXXX for a smaller plan which I have no idea what that means and I disputed it on my credit card. They didn't do anything but file these two disputes which have ruined my credit so I feel that I do not owe them anything. 

They do not listen to their clients.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-06
Company: EQUIFAX, INC.
State: AZ
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:
Hi I am writing this complaint on EQUIFAX. They both said they verified a XXXX/XXXX  funding on my credit report. 

I would like to argue they verified this properly because XXXX told me to ask for paperwork from XXXX. All XXXX sent was a statement saying I owe money. 


Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a purchase using my USAA Cash Rewards Credit Card of {$630.00} on XX/XX/2019. I had a promotional balance of {$3000.00} with an APR of 0 % at the time of the purchase. On XX/XX/2019 I made a payment of {$870.00}. This payment was applied to the promotional balance, and only {$69.00} was applied to the purchase, with the remainder being subject to a 15.15 % APR. This appears to be in violation of Section 104 of the CARD Act of 2009. The payment should have been applied fully to the amount subject to the higher interest rate, and then to the balance with the 0 % interest rate. The company responded that payment allocation can not be changed, and that the balance will continue to accrue interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my 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
Consumer complaint received 2023-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$280.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$1900.00} XXXX  XXXX Balance : {$3900.00} XXXX  XXXX Balance : {$3400.00} XXXX  XXXX Balance : {$5200.00} XXXX  XXXX Balance : {$3900.00} XXXX XXXX : {$300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX Balance : {$0.00}

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 2019-08-11
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - T, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and 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 2020-07-08
Company: PNC Bank N.A.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Unable to link my PNC accounts or transfer funds from my PNC accounts to my XXXX XXXX  XXXX  or XXXX XXXX  accounts. 

XXXX  said it is a problem with a change in the way that PNC is set up. 

Please fix this PNC issue so my money can go where it needs to go. 

Thank U.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXXXXXX Balance : XXXX XXXXXXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have made several formal written request to Portfolio Recovery regarding two collection accounts that can not be validated. They are in the amounts of {$1200.00} and {$600.00}. the original creditors are XXXX XXXX and XXXXXXXX XXXX. My last dispute was in XXXX of 2018. They have not been able to provide me with any type of signed document from the original creditors showing that I owe this dept. This is required under the FCRA 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Also they are still reporting every month to my credit report witch under the 611 ( 5 ) ( A ) states that if they cant provide me this information they must Promptly Delete It. I feel like unless I am going to take them to court, they can do whatever they want and theirs nothing more I can do. Please Help me with this,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
Hard credit pulls show on my credit report that I did not authorize ... two of them show duplicate inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Twice I have made arrangements with Navient to pay $XXXX XXXXo delay my payments and twice they have not taken the prearranged payment and placed it on my credit report. They state that for what ever reason it was not withdrawn from my bank but there were funds available each time in my account. When I seek alternatives to lower my payments or consolidate my loan they tell there is no options. I try to refinance the loans with another company but cannot because the loan is not  current. I feel that the company purposely traps lenders into pay extremely high rates with them and prevents me from seeking other options that are more affordable for me to repay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX  XXXXXXXX XXXX XXXX     All show inquiries that I did authorize nor solicit. Under fcra please remove immediately

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 2020-05-17
Company: Square Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, the XXXX account XXXX texted me saying how she's a representative for Cashapp and if I send her {$100.00}, she would send {$1000.00} back. Long story short, she kept my money and refuse to give anything back. I cashapp account she had ne send the money to was XXXX XXXX. I really just want my money back and for her to be caught for those lies. Anything you guys can do to help would be great. I also have the screenshots of the conversation, if that will help.Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 - 30 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with monetary relief