BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I keep getting unknown report on my credit report about me owing some kind of debts to these unknown companies I been a victim of identity theft in the past which I have reported and have actually visit a law enforcement agency to report my current situation. Just today XX/XX/2021 have received on my credit report a collection notice and yesterday was the same thing both for XXXX and the other is for XXXX XXXX XXXX  in which I bank with XXXX XXXX can you please assist me on this situation please

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Foris DAX, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I wish to practice my right as a customer of Crypto.com to use your organization 's service, seeking a formal, impartial investigation to amicably settle my dispute with Crypto.com. 
Commencing on or around XX/XX/2022, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to these fraudulent investment companies

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: EQUIFAX, INC.
State: LA
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:
XXXX  XXXX XXXX was paid last year in XX/XX/XXXX. They are improperly reporting on Equifax credit report charge off balance XXXX. The balance is {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: CADENCE BANCORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I opened a Cadence Bank auto-debit account because I financed my mortgage through them and was informed if I opened an account I would receive a .025 % discount on my mortgage interest rate. 

In addition to this promotion, my mortgage had to be paid using the auto-debt account as well and my account would not be charged a service fee if the balance exceeded {$500.00}. Initially, I thought this was a win, win situation because my account would never go below {$500.00} dollars because my mortgage payment exceeded that amount each month. 

However, about a few months ago, dating back from XXXX my account has been continuously charged a {$6.00} service fee monthly. I recently just noticed the charges as I was reviewing my monthly statements. 

I immediately called Cadence Bank to understand why I was being charged when my account superseded the required amount. I was informed by a customer service representative that Cadence Bank no longer waived fees for any checking account. I was never informed of this and immediately asked how this could impact my mortgage agreement with them. I was informed if I changed banks to pay my mortgage I would incur a higher interest fees on my monthly mortgage payment. 

At this point, I am livid because I agreed to finance my mortgage through Cadence because of the interest savings I would incur if I opened an account. I was never told that my checking account would be charged service fees - that defeats the point of me signing on and opening the account in the first place when they are essentially charging me on a monthly basis what I would be saving using their auto-debt account. It's just unfair and predatory lending that keeps people stuck using their accounts. 

In addition, I have had issues with their Mortgage Servicing Department as they will not incorporate my tax savings from my Homestead Exemption. Isn't that my right as a US citizen? I am essentially being charged 25 % more in escrow tax payments because of this. I have tried to copy the XXXX County Tax Assessors ' office on email with the servicing department to confirm the documentation I provided is what is required for tax savings and it has now been 14 months and nothing has changed. 

There is no direct contact number to speak with any supervising manager and none of my complaint have been answered. 

Please help. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is following up on my previous claim which was closed. I now have proof that my ex husband has tried to remove me via an assumption ( per XXXX XXXX this is the only way to remove me ) and they WILL NOT LET HIM do this! 

In XX/XX/XXXX my husband and I got a divorce. Per speaking to a XXXX XXXX representative prior to our divorce we were told we needed to provide a divorce decree and quit claim deed removing me from the home and then I would be let off the mortgage. After we completed all of this and then submitted this paperwork I was informed that their rules had changed and I would not be allowed off the mortgage until my ex husband did a few other things. I am unable to get him to do any of those things as we were divorced at that point. I have contacted XXXX XXXX and disputed this being reported on my credit for years however it still remains. In XXXX my ex husband was permitted to extend the mortgage for an additional 10 years to a 40 year mortgage and add some personal debt to it. I did not sign this paperwork and his sister is the notary who notarized it. I disputed this again given that I do not know how this could have even been legal however have been turned down again. My ex husband does not pay the mortgage on time, does not live in the home and this is literally ruining my life. I can never get approved for anything and if I do it is at the cost of a ridiculous rate. I want this mortgage which was unethically and possibly even illegally extended and added to without my consent removed from my credit reporting

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2019 we sent a validation and dispute to the creditor, no response.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: Finance of America Mortgage LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
According with my Purchase contract, seller agreed to pay for the escrow fee, owner 's title insurance, transfer taxes. By reviewing my closing documents I don't see any proof that seller paid for those items. The closing statement shows that the seller only paid for my agents commission, that's it. Apparently I was charge for items agreed to be paid by seller. 
Also I was charge in advance for 8 months of property taxes. The property taxes are included in my monthly mortgage payment, so I don't understand why I was charge in advance for 8 months of property taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
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: Old information reappears or never goes away

Complaint:
My credit scores are way too low for my excellent credit history. It seems like the bureaus are getting kick backs from financial institutions to keep the consumer down to pay the very high interest rate loans.

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 2021-02-02
Company: Bread Financial Holdings, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I spoke to an agent XX/XX/XXXX to resolve collection account. I agreed to pay {$3900.00} in order to remove the trade line since this was the only account damaging my credit worthiness. My account was never updated until recently after a dispute but it only updated reflecting paid less than owed amount. The settlement agreement was to remove the trade line. I have a recording of the conversation on XX/XX/XXXX and want for them to pull that call and honor the agreement as and act of good faith.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-07
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Auto loan with XXXX XXXX 2 late payments were reported on XX/XX/XXXX and XX/XX/XXXX I have reached out to all three credit bureaus to have late accounts updated to current with no late payment due to COVID-19 related issue with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
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:
Equifax erroneously posted someone else 's name, social security, addresses, and credit history to my account. This was isolated to Equifax as other bureaus did not have this these errors. 

I open a disputed to request Equifax to remove the name, social security number, and addresses and credit history from my account. The dispute resulted in removal of the other person 's name, social security and addresses. However, the credit history was not removed. I opened a second dispute on XX/XX/XXXX and it's been two weeks without an update. I'm in escrow and this affected my load application.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: EQUIFAX, INC.
State: GA
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 just obtain copy of my credit report and found there are unauthorized inquiry on all three of my credit reports. I have learned there was security breach and according to the credit bureau website my information was affected. I have disputed the inquiry with the bureau and was advised that inquiries are a factual record and that all information has been verified and accurate. No proof was sent showing how this information was verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: TD BANK US HOLDING COMPANY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened my checking account with TD bank branch on XXXX XXXX XXXX in XXXX, NH on XX/XX/2018 as a non resident. The bank closed my account on XX/XX/2018 without any warning. I tried to log in online and all my credentials were denied so I emailed the store supervisor named XXXX XXXX inquiring about what was going on and her answer was that they closed my account because they needed additional information from me but could not reach me with the phone number I provided. She claimed that they called me 5 times and left voice messages though I haven't seen any missed call or voicemail. They did not send any official mail to the address I provided when I opened the account to let me know they needed more information or use my email address that they have to let me about the issue. I feel abused and confused as to why they closed my account this way and I haven't done any suspicious activity on my account or harass any of their employees. The only transactions I've been doing are either buying things online or in a store or transferring money from my XXXX account to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: BBVA FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Submitted a fraud case to Simple Bank ( bank ) and XXXX ( where charges occurred ) XX/XX/XXXX. XXXX asks me for details from Simple XX/XX/XXXX. XXXX denies fraud because the amount was consistent with my spending pattern on XXXX. This is completely false. I rarely used XXXX mostly for transactions less than {$25.00}. The charges I disputed were over {$3000.00}. In XX/XX/XXXX Simple decides one of two Charges for me in favor, one not in favor. Surprising because the issues were the same for each claim. As a result a provisional credit became a credit and one was taken back and the charge Stood. I asked for copies of the determination and evidence reviews in XX/XX/XXXX. This was and still has never been provided after a years worth of requests. They keep making excuses and Ive asked for management intervention which never happened. It is still outstanding as of the date of this request over one year now. 

I was contacted by a bill Collector for XXXX in XX/XX/XXXX. I never received any kind off notice from XXXX that there was an amount due. I did not respond to the collector and asked for information from Simple to determine why I was in collection and to address XXXX. Never received. Since then a new collector was assigned and a notice from XXXX was also sent about the balance. I asked XXXX for their information regarding the process of the fraud and resulting actions. They have refused to provide any information u til I speak to their Collections department. I will not contact their Collections Department without appropriate information. 

The last time I asked for the information from Simple was yesterday XX/XX/XXXX and I got some generic response that had nothing to do with anything. 

Please note I also contacted BBVA USA who I thought was the parent company of Simple. Twice I was told they have no responsibility for Simple Bank. 

Recently it was announced that Simple was sold to another bank. After that it was announced That BBVA USA was taking over the Simple accounts as the parent organization. I just received tax information for the Simple accounts done by BBVA USA which appears contrary to their denial of any relationship. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2020 Home Depot Consumer {$7800.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, CA. XXXX, Current Creditor : XXXX XXXX XXXX, sent to me, while no such account ever existed but claimed CITIBANK N.A. as original. Smelled fraud, checked online, many fraudulent reports/complaints. Afraid to contact in lieu of scam artists or identity theft. 
XX/XX/2020 Best Buy Visa {$1400.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, CA. XXXX, Current Creditor : XXXX XXXX XXXX, sent to me, while no such account ever existed but claimed CITIBANK N.A. as original. Again, afraid to feed into a scam. 
XX/XX/2020 Home Depot Consumer {$7800.00} repeated. 
Filing report with CFPB, consumerfinance.gov. Given a common name, and no record of ill credit, misidentification or wrongful contact likely at the least. Fraud, identity theft, or scam more possible.

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 2021-02-02
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:
XXXX XXXX had 2 fraud accounts on my name they removed one and left the other one they both need to be removed i never opened these accounts EVER

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 2017-08-02
Company: Ditech Financial LLC
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I asked for a pay-off figure for my mortgage in XX/XX/XXXX from Ditech Financial. They quoted me {$3200.00} which was good until XX/XX/XXXX. I wired them the {$3200.00} on XX/XX/XXXX to pay off my loan. At that time records showed I had {$1100.00} in my escrow account. Before paying off my loan my account had been set on auto withdrawal each month. After receiving my bank statement in XX/XX/XXXX, I discovered they had withdrawn {$960.00} from my account on XX/XX/XXXX even though my loan was already paid off. I contacted them XX/XX/XXXX and pointed this out to them and they told me they had failed to flag my account as paid off and closed, so the auto withdrawal went through in XX/XX/XXXX. They told me they would do an auto deposit to fix the error and it would take approximately 5 business days, but that never happened. I called them back towards the end of XX/XX/XXXX and then they told me they would refund the amount they erroneously withdrew when they sent my escrow check which I should receive within 3 months from the paid off date. I protested this and said I should not have to wait for money they withdrew from my account in error, but they said they had 3 months to return any money they owed me. I then got a check # XXXX for XXXX in XX/XX/XXXX, but it did not include the amount they had erroneously withdrawn, but simply the escrow I had at the time I paid off my loan. I called them back and was told they would check into it. I called back several more times from XX/XX/XXXX through XX/XX/XXXX, but every time I was told something different. First they said they had given me an auto deposit on XX/XX/XXXX when I first called about their mistake, but I told them this never happened, then I was told they had requested the deposit, but it never went through and they would have a person in accounting contact me, but nobody contacted me. Then I was told they had sent me a check in XX/XX/XXXX, but I explained this was only an escrow check and did not include the amount of the XXXX they erroneously took out of my account in XX/XX/XXXX. I have been trying for 5 months to get the money back they withdrew from my bank account AFTER I paid off my loan, but to no avail. I have run a trace with my bank and they have definitely not auto deposited this money back into my account as they said and the only check I got was the XXXX from my escrow. I have an over 3,000.00 homeowners insurance payment coming up next month and I need the {$960.00} back before then. This whole thing has been ridiculous, I never had a problem with this company until AFTER I paid off my loan!!! Any help would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
USAA Collects on Idenitity Theft I am a victim of Ideninity Theft I have contacted USAA to let them know I HAVE NEVER HAD A CARD ENDING IN XXXX  DEMANDING {$290.00} FROM ME today ( 5Xs ) * to No Avail THEY DID NOT ONLY THREATEN. TO RUIEN MY CREDIT THEY SUCCEEDED IN LOWERING MY SCORE BY 93 POINTS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have an american express personal platinum card and an american express corporate platinum card. Both appear on my personal credit report. 

American express is not supposed to have a credit limit, but mine report a credit limit with the monthly statement. This limit is not appropriately reported to credit agencies. 

The balance on the card shows or the maximum amount in the month which adds to the numerator for credit utilization, but because the denominator is not included/reported, it falsely elevates my credit utilization. 

If there is a maximum reported on my statement that amount should be required to be reported to the credit agencies to give a fair, accurate, and complete picture of my credit utilization. If this amount changes the change can be reported the same as when any other card increases or decreases the credit limit on an active credit card account. 

Amex never reports the many months of negative balance on my cards. I know it is the amex card, because I had 3 cards. My total credit showed {$75000.00}. My XXXX card is {$25000.00} and my Master Card is  {$50000.00}. My amex shows {$25000.00}. If Amex reported the total would be {$100000.00}. That is 33 % increase in credit limit that would decrease utilization and improve my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: Conn's, 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 sent a certified letter to XXXX, XXXX, and XXXX  on XX/XX/XXXX informing them of several discrepancies that Conn 's was reporting to my credit profile regarding the date of last activity, date of last payment, date opened, account status, account type, account number, payment status, and payment history section of the listings. In addition to reporting discrepancies, this account was paid in XX/XX/XXXX, yet they continued to report payment history through XX/XX/XXXX. Conns was notified by the bureaus and they failed to perform a proper investigation and failed to fix the errors in which they were informed. Conns neglected to fulfill their lawful obligations and did not perform an honest investigation and continues to report inaccurate information to the credit bureaus after being notified.

Company response to consumer: Closed with explanation