BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

Need to delete Inq : 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 2021-05-09
Company: BBVA FINANCIAL CORPORATION
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On Saturday XX/XX/XXXX, Simple ( www.simple.com ) was shut down and transitioned to BBVA. For several months, BBVA and Simple sent emails detailing the transition process. I was told I'd be able to open an online account with BBVA to be able to access and mange my checking and savings accounts. 

When the date came, BBVA 's website did not allow me to sign up for an account and prompted me to call them. I tried calling several times to multiple numbers they've published. Every time I called, the call was disconnected. 

On Sunday XX/XX/XXXX, BBVA tweeted that they had extended customer service hours and published phone number to call ( XXXX ). Calling this number resulted in a representative pretending they couldn't hear me and immediately hanging up. I tried calling several times and always had this response. 

I am currently locked out of my account and no longer have access to over {$50000.00} in my savings and checking accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company frequently calls me, using different telephone numbers. The latest one from XXXX was on XXXX XXXX, XXXX at XXXX XXXX, local time. I identified the numbers as belonging to XXXX XXXX in XXXX, California. The company fails to leave a message. I want to know who they represent, what is owed, and, preferably, written correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I noticed this company attempting to collect a medical bill in XXXX of XXXX. The date of the medical visit was XX/XX/XXXX. My insurance company paid the claim submitted and then denied an additional claim for the same amount as it was a duplicate. I made a call to the company AR Resources and they advised me to email to have the collection removed and updated. Since then there has been no action and I again emailed them asking for immediate resolution and have yet to hear anything back. I am attaching supporting documentation to this complaint from the insurance company and my attempts to reach this company for resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: FB FINANCIAL CORPORATION
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My lender, First Bank Mortgage put forced flood insurance on my condo that I already had flood coverage on through my XXXX policy and the complex 's master policy. The forced flood insurance created an escrow shortage and my monthly note went from {$940.00} to {$1600.00}. I continued to send my regular note while I disputed the placement of the forced flood insurance. In XXXX, First Bank began rejecting my electronic payments and refunding the checks that I sent them for my monthly payment. Eventually, they cancelled the forced flood insurance and refunded my escrow, creating an escrow surplus. They also corrected the monthly payments ; however, they never corrected the balance owed as a result of the escrow shortage. First Bank Mortgage now says that I am in default of my loan and is threatening foreclosure.

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 2017-10-01
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I contacted all three credit bureaus about my stolen identity, I noticed on my credit reports that there was multiple inquiries placed on my report in XXXX, I quickly contacted the creditors and asked them to remove them from my report since these inquiries were fraudulently placed and they said it was nothing they could do about the issue.

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 2017-10-01
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I contacted all three credit bureaus about my stolen identity, I noticed on my credit reports that there was multiple inquiries placed on my report in XXXX, I quickly contacted the creditors and asked them to remove them from my report since these inquiries were fraudulently placed and they said it was nothing they could do about the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I recently found out that XXXX XXXX filed a lawsuit against me in Virginia where I do not t live. I was not served to appear in court and I knew nothing about the court dates. I do not live in Virginia. In addition, the debt they are trying to collect is outside of the statute of limitations in North Carolina where I live which is 3 years. I have disputed the information but they ignore my demands for proper handling of my account. I have not been sent any information. This can not be legal.

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 2020-10-08
Company: EQUIFAX, INC.
State: CA
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:
I am currently on the forebearance plan right now and keeping informing XXXX for the last 6 months that my balance keeps going up by a massive amount on all 3 credit reports dropping my score by 100 points. I provided the information to them was told someone was going to get back with me about the issue with the balance increasing every month mine and wife credit report. I am also missing data on the reports were it is not showing current status as part of the Covid 19 relief bill. I made several attempts to file dispute with equifax,  XXXX, XXXX, and XXXX XXXX nothing been done to update the the balance investigation why data is not updating properly and balances. I called several times to XXXX XXXXl the reps have a attitude and never get anything resolved.I mailed the documents to equifax on XX/XX/2020. 
If I dont get the information I am pursuing a civil lawsuit. 
Also equifax needs to update my name to XXXX XXXX XXXX not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: EQUIFAX, INC.
State: TN
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:
In XX/XX/XXXX, I received a letter in the mail about a bankruptcy, but I didn't pay much attention to it because my names was misspelled and I knew I had never filed for a bankruptcy so I just left that alone. In XX/XX/XXXX, I try to finance a vehicle and I was denied because of a low credit score. I left that alone and tried again in XX/XX/XXXX and I was denied again and I was not understanding why so I finally lit up and ask the salesman to show me my report and I wish I would of done this along time ago I was furious to know I had accounts opened under my name that I never ever opened and even more shocked when I saw the bankruptcy 's. I have never filed for bankruptcy in my life. The things I am reporting from my credit report do not belong to me. Please remove these things from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: Experian Information Solutions Inc.
State: MA
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 first checked my credit report in XX/XX/XXXX when I received a letter from a collection report ( XXXX XXXX ) for XXXX XXXX It stated that we owed XXXX on a vehicle account. This account was Paid in full for which we received a Title and congratulatory letter for paying this loan off. We then donated the auto to XXXX XXXX XXXX and gave them the title.

I sent all this information to both XXXX and Experian in XXXX  Tx XXXX. Getting no result I filed a complaint with Experian in XX/XX/XXXX. As of XX/XX/2018 there has been no resolution.

I wrote Experian a letter saying if this wasn't resolved I would consult an attorney.

Still no resolution. I hope you can help us with this problem

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 2023-03-02
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
my funds are being held even after 180days are over for more than 2 years despite how many times i try to withdraw. please assist me to get my funds because despite contacting support they are taking me into circles.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: T.S. Holdings
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I.Q. Data International , Inc. is an unethical -- -at best -- debt collection agency that uses inappropriate tactics to attempt to berate consumers into repaying debts. With that, I have dealt with several members of this team over the course of XXXX years in an attempt to resolve a debt due to some unfortunate life circumstances. In each encounter, I was greeted by a XXXX representative who belittled or attempted to remind me of what a " XXXX XXXX XXXX' I was for having the debt in the first place. In this most recent incident, I called in an attempt to once and for all find resolution. I called the number listed on the document from previous failed attempts. The manager -- XXXX XXXX -- is a great salesman and attempted to sell me my debt very well by making statements that were at best vague and not factual, nor legally binding in any way, and used verbiage that insinuated they were laws that were not. Further, when I did not go along with his narrative he seemed to become agitated and told me I was becoming combative and it was my fault that I was in this position in the first place and he was doing me a favor. After some negotiating, he stated that we had been on the phone for 30 minutes and asked had I had come to a decision, and if not we were done with the call. I said I wanted to see if there were any other options but if he needed to go I understood. He then quickly dismissed me, said I was refusing to pay, and hung up. I called back and asked to speak to a higher-up manager. I was connected to XXXX XXXX -- Director of Operations -- in which case she very defensively told me she was already aware of the call, apologized for his inappropriate behavior, told me he would be disciplined, and then proceed to tell me why he shouldn't have offered me a deal in the first place and continued to berate me just as XXXX had done. I attempted to explain to XXXX XXXX that my strife was not with her, but that I felt the tactics were unprofessional and inappropriate. She proceed to get louder and tell me that I was being combative and she was a single mother. This company uses scare tactics, threats, belittling, verbal assault, and condescending behaviors to attempt debt collection. I ended the call by allowing XXXX XXXX to finish her passionate speech about why I should get no grace for my owed debt, thanked her for her time, said I would try again another time, told her that she worked for an unscrupulous  company and to have a good night.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Block, Inc.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hello, I am reaching out because I have an account with Cash App and money was deducted from my account for charges that I did not authorize. I reached out to Cashapp in XXXX of 2022 and have yet to receive a response regarding the dispute that I filed. I can not reach a live representative by phone and when I attempt to contact their chat support they inform me that they are unable to assist with my request and that the escalations team will be in touch with me. It has been over a month and no one has followed up with me as if yet and its impossible to get in touch with anyone who can help. I have already been in contact with my local police and the XXXX XXXX XXXX about the company who charged me but only cash app can reimburse me. I am a XXXX XXXX and XXXX XXXX  on a fixed income, I do not have several months to wait on them to decide to contact me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: EQUIFAX, INC.
State: CA
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:
I am currently on the forebearance plan right now and keeping informing XXXX for the last 6 months that my balance keeps going up by a massive amount on all 3 credit reports dropping my score by 100 points. I provided the information to them was told someone was going to get back with me about the issue with the balance increasing every month mine and wife credit report. I am also missing data on the reports were it is not showing current status as part of the Covid 19 relief bill. I made several attempts to file dispute with equifax,  XXXX, XXXX, and XXXX XXXX nothing been done to update the the balance investigation why data is not updating properly and balances. I called several times to XXXX XXXX the reps have a attitude and never get anything resolved.I mailed the documents to equifax on XX/XX/2020. 
If I dont get the information I am pursuing a civil lawsuit. 
Also equifax needs to update my name to XXXX XXXX XXXX not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Saw a hit on my credit bureau from a collection company. I called the number and was told they were collecting for XXXX XXXX. I advised that the debt was not mine and I had never received notice of debt before going on my bureau. They told me they had the wrong address which is why they did not notice me. I told them to remove debt and they refuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have already contacted Transworld Systems Inc.to advise them, this account they are trying to collect on was deemed as a fraudulent account with XXXX XXXX. A police and Identity theft have already been filed. This account was removed from my credit and now this company bought a debt and trying to collect on fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
See CFPB complaint XXXX for background. I'm filing an additional complaint as the company did not address my concerns in their response. Please re-investigate this complaint ; they do not respond to the matter that is being questioned at all. Since XX/XX/2020, any application that has been submitted has been automatically rejected, denying my right to a fair review of a credit application and review. There is no reason that my account should be on a permanent denial basis moving forward indefinitely, and that is the status that it's currently in. When I called on XX/XX/XXXX and made a complaint with American Express, I was told explicitly that I would have a phone call returned with an update regarding my inquiry. The company failed to reach out to me and give me any update regarding my inquiry ; when following up subsequent times, they also had no additional information they could provide. 

My rights to have a fair, equal credit opportunity review and qualification are being denied. Since XX/XX/2020 I've been automatically declined for any AMEX product, when contacting the company to handle this dispute, I was told they would do research and get in touch with me in two weeks with a rationale. 

CFPB, is the only way of getting reprieved from this situation civil litigation? Is there any enformcentment to ensure they are aboding by ECOA?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: Certegy Holdings, LLC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I have attempted to resolve my accounts with Certegy. This company is by far the worse company to do business with. They lie. They lie and practice fraudulent tactics. They place things on your report that are NOT accurate and then never remove it. They have devastating consequences on people and peoples lives. They refuse to remove information that is NOT mine.

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 2020-04-24
Company: EQUIFAX, 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:
On XX/XX/2020 I applied for a loan through the U.S. Small Business Administration for my restaurant and I was immediately denied due to negative accounts on my credit profile. Although they could not tell me who they accounts were from they advised to me to review my credit report. After reviewing my credit report I found many negative accounts and multiple inquiries that do not belong to me. I have never authorized these accounts to be opened in my name or with my social security. I don't understand how someone was able to open an auto loan under my name. I have never received any money or merchandise from any of these lenders listed in this report. I have also filed a police report with the XXXX Police Department. Please immediately remove these accounts from my credit profile and delete any addresses not associated with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: VELO LAW OFFICE
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I would like to state that I am being harassed and threatened and sued by velo law firm in XXXX XXXX MI. I am being sued for a medical bill from XXXX XXXX fire department from XX/XX/XXXX. I provided my insurance information both primary and secondary to the hospital. the fire department never asked the hospital if I provided any insurance information so they decided to bill me directly. I tried giving them my insurance information so that the bill could be taken care of and they told me that they couldnt take my insurance information before they decided to send it over to collections.on XX/XX/XXXX I received a letter from velo law firm stating that they were going to garnish my checks even after I sent them my insurance information to get the bill take care of I am reporting this law firm because they are violating laws and that they are refusing to corporate with me when I am trying to get my medical bill taken care of. Also I would like to say that the representatives has been very rude to me and hung up in my face numerous of times when I would ask to speak to a supervisor velo law firm told me that my account was under review after giving them my insurance information and stated that they will garnish my checks even after they get the money from my insurance company. I than staked will I be refunded and the representative ignored me and told me that their is nothing that I can do. Also they didnt want to give any alternatives of removing the debt off my credit report, which is affecting my score.

Company response to consumer: Closed with non-monetary relief