BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, -XXXX XXXX XXXX  XXXX XXXX Account # XXXX, has violated my rights. 
XXXXXXXX XXXX  Account # XXXX, has violated my rights. 
-XXXX XXXX XXXX XXXX  Acoount # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-11
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a prior dispute resolved with Experian regarding a collection which was reporting inaccurate information. The collection account was listed under Convergent Outsourcing and was successfully removed from my credit report after several disputes with the credit bureaus. There were also CFPB complaints filed under ID XXXX and XXXX. Now, the same account has illegally been reinserted onto my credit report under a different collection agency, XXXX XXXX XXXX. This is another FCRA violation. I did not receive any formal notice from this collection agency or Experian. The account should not have been reinserted in the first place.

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 2020-09-11
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Four checks were sent out using Us Bank 's bill payment service. Only one of those checks were received the other three were outstanding. I had to call several times to have to place stop payment on those checks and to have the funds returned to my account. Two out of the three checks had the funds returned ; however a check for {$2000.00} sent out in XXXX still has not been returned to my account. I have made numerous calls to Us Bank and have escalated this 5 times to a supervisor. Several cases have been created but nothing is done. Us Bank has refused to give me their physical address in order to send a demand letter. Hold times to speak with someone is well over two hours and several times these calls are disconnected. After the last case number XXXX was created I called Us Bank to follow up with them, which is three months after the bill pay was created, and I was told the case was resolved. Apparently the check has been cashed and they can't put a stop payment on it. Again, no followup with me. They couldn't tell me when the check was cashed or by what institution. I'm asking the FDIC to get involved before I retain an attorney at $ XXXXhr to resolve this. Us Bank has been uncooperative during this entire process. They have shown zero  curtesy to return one phone call which has been promised several times. This bank hasn't done one thing to try and resolve the problem which they created. The  {$2000.00} check was written to XXXX which is a XXXX XXXX XXXX. XXXX never received the payment and this amount has never been deposited into any of XXXX 's bank accounts.

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 2020-07-10
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a mortgage with Freedom Mortgage which I have now paid off during a refinance. 
I paid off my mortgage with Freedom in full on XX/XX/XXXX On XX/XX/XXXX I was charged the PMI for the month of XX/XX/XXXX and was up to date on my PMI. 
On XX/XX/XXXX {$290.00} was removed from my escrow balance. 
I called about this issue and was first told that this was a " hazard insurance supplement '' as they had determined that my insurance was not sufficient. I informed them that I no longer had a loan with them. They were confused and then took 48 hours to " research ''. After 48 hours they contacted me and told me that this was payoff to my PMI. I infomred them that I was up to date on my PMI and that furthermore the amount charged did not align with what my PMI payments were ( which was {$100.00} ). Several customer service supervisors were confused by this issue over three separate calls. They continue to claim that it is a valid charge without being able to articulate what the charge is for. 

I have asked for a refund of the charge and Freedom Mortgage has failed to refund over the past month.

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 2020-10-20
Company: Google Compare Credit Cards Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
Yesfor the last two months when all of these third parties where trying to pay me thru company and banks..i wasnt able at first to access the different banks because it seems like my Info was already been put in..I just recently just finish filling my taxes, and which I had to verify myself three times..now my phone has been taken over..my cards have been deactivated and passwords..I have a stimulus check that been sent out this week and afraid I might not get that..I haven't  received no income since XXXX..I 'm looking for to this other money coming from filing With the S.E.C and which and funds from non-profit..I need y'all 's help.. because these people are Accessing the  cash at XXXX, XXXX XXXX, XXXX and at the cashier 's draw with a barcode.and also m using prepaid cards under my name.. Google pay, XXXX  , all the money apps.have or had as well as bank accounts has been made wihout my consent since this summer til yesterday..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: The Receivable Management Services LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I entered a consumer credit transaction with RECIEVABLE MANAGEMENT and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that RECIEVABLE MANAGEMENT claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. RECIEVABLE MANAGEMENT has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt.

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 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
XXXX has tried to maligned my name and reputation in the hopes that it will dent my credit score and make not credit worthy. 
XXXX is a XXXX company, For XXXX XXXX years, I was with them, the XXXX XXXX XXXX never had any problems with me and all the overages, high interest rates that I paid for their vehicles. All was well throughput those 9 years. Once I was tired of the disrespect and XXXX abuse, they have chosen to lie about me and my reputation. 
In 9 years ( XXXX to XXXX ). I humbly subjected myself to their lies. 

Now credit card companies are all denying me credit and claiming that I defaulted on a loan. Even during the XXXX Recession and global meltdown that impacted all facets of credit life. I chose to pay all my loans when I could have justifiably filed for bankruptcy. XXXX XXXX and XXXX XXXX  can attest to these facts that I paid all my loans. 

This is my last recourse because XXXX XXXX XXXX is trying to silence me, perhaps as they have similarly done to other XXXX people. 
I pray to XXXX that they do not succeed this time. Overtime the truth will come out about how XXXX XXXX XXXX XXXX has been to many of us.

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 2017-12-14
Company: Wallace Management Company, LLC
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Got a small loan through XXXX XXXX and lost my job they did n't work with me took me to court I tried paying it and just could n't make the payments they want i got a new job and they keep calling my work place even after I have ask them to stop now I am about to lose my new job.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a summons for debt collection from XXXX County Sheriff 's office XX/XX/XXXX saying I owed {$2600.00} which included interest, judgement cost, and attorney fees. It is planning on garnishee my wages from my employer. The hearing is set for XX/XX/XXXX with no time listed. I contacted the creditor ( XXXX XXXX XXXX ) thru the Attorney 's office listed as XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX by phone ( XXXX ) XXXX. I spoke with XXXX at first, then she referred me to XXXX XXXX. He stated I had to pay {$2600.00} to them my credit card, check, or debit which will process within 3 days. He stated I owed XXXX XXXX  since XX/XX/XXXX. He told me the account number it was opened under. Then he told me the account number I need to pay under. It was 2 different account numbers. I asked for the information of the creditor so I could contact them to resolve the issue, but they wouldn't disclose that. I told them I had no debt in that amount and that I had never heard of such company. He just told me to pay. Then I checked my credit report and there was nothing from that company or in that amount. I received another phone call last night saying I owed another major credit card debt. I have been receiving threatening phone calls saying they will file fraudulent and legal charges against me for this debt. I have since then contacted the FTC and filed a complaint. Now I am filing a complaint with you all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: ENCORE CAPITAL GROUP INC.
State: CT
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:
Midland Funding LLC is negatively reporting to the three major credit bureaus collection information about me. Midland Funding LLC was sent a Notarized Cease & Desist from me that they are not my original creditor and that I do not wish to work with them. I had  also sent them a validation of debt letter which was ignored. I want the negative reporting they are reporting to XXXX, XXXX, and XXXX  removed as they are damaging my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
CAPITAL ONE {$800.00} Balance updated XX/XX/XXXX XXXX late payments Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XXXX XXXX, XXXX Account type Revolving account Usage : 73 % Balance on XX/XX/XXXX Credit Limit {$800.00} {$1100.00} Payment Info Status Paid or paying as agreed Status date XX/XX/XXXX Past due amount {$0.00} Highest balance {$1200.00} Monthly payment {$25.00} Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - - - - - - - - XXXX - - FCRA violations never late prove with wrong address and accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
On XX/XX/2018 my bill for account CAPITAL ONE BANK USA Opened XXXX. XXXX, 2018 did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: EQUIFAX, INC.
State: SC
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 contacted all 3 credit reporting agencies in writing, via USPS Certified Mail, and informed them that I have recently become aware that I have been a victim of IDENTITY THEFT and provided them with a copy of my Police Report, Identity Theft Affidavit, driver 's license and a recent utility bill and requested that they comply with the FCRA Section 605B, by blocking the information that I have detailed to them that was fraudulent on my credit file. To date, neither of the 3 credit reporting agencies have taken my situation seriously and have treated it as a routine dispute.

FCRA Section 605B states : Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4
business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

According to USPS Certified Mail Tracking Information, XXXX   received their package containing all of the above required information on XX/XX/2020 ; Equifax received theirs on XX/XX/2020 ; and XXXX  received theirs on XX/XX/2020. Each one of the Credit Bureaus are in receipt of the required information, yet they have not acted in accordance with FCRA Section 605B. The bureaus are treating my Identity Theft as a routine account dispute and have not blocked the fraudulent information within the 4 days, as required by FCRA Section 605B.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Inadequate response to complaint : XXXX Company closed complaint against my wishes and did not provide adequate answers.

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 2023-09-09
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have noticed inaccuracies on my report. I have made these inaccuracies known to Equifax. Nothing has been corrected and Equifax has claimed to have investigated and verified the accuracy of the information. These accounts are incorrect and are adversely affecting my livelihood and have caused me severe damages. XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX, # XXXX, # XXXX, # XXXX. Equifax has been intentionally allowing this harm to come to my name by giving me false statements of verification and reinvestigation when the information was never validated and has been reporting misleading and false information since Equifax has allowed such to exist on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Social Finance, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I first looked into refinancing my private student loan with SoFi because they offered a co-signer release, which made sense at the time ( XX/XX/XXXX ). I spoke to their Customer Account Specialist and they worked alongside me and my ex fiancee. They explained as long as I made payments on time, I would be able to release the co-signer on my loan. About a year or two into this loan, they no longer offer this option. I am not with my fiancee anymore and would like his name released. 

I've applied for Covid-19 assistance ( in XXXX and XXXX ), and have only been able to get a 30 day forbearance when they offer up to 90 days. I am also out of a job, and I don't know how I'll be able to pay {$1000.00} on top of rent, phone, car, insurance, credit card and other utilities. 

They've also denied ( XX/XX/XXXX ) my application for deferment while I'm in-school. I've accepted to enroll in graduate school this summer. However, if I ask for any assistance, forbearance, or deferment my application gets denied. I'd like to be able to make payments when I'm employed full-time. I don't see how SoFi expects me to pay my student loan, when I don't have a steady income.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I setup bill payments through my USAA checking account. I forgot to transfer the money in from my linked XXXX Checking account causing the funds to not be in the account when USAA attempted to create the bill payments. This was my error, however, at my other banks ( XXXX, XXXX, XXXX ), when you create a bill payment and the funds are n't in the account, the bill payment simply fails, and you get an email or notification that " Your bill payment for XXXX merchant for $ XXXX failed ; transfer funds and reinitiate the transaction ''. At USAA however, when this occurred, the bank charged me {$29.00} insufficient funds fee, 5x for the different bills I had setup. I had no idea that this was occurring this week until I logged in today and noticed my balance. When I called to speak to a representative, they told me that USAA uses a 3rd party servicer to send out these bill payments and these are not checks that are SENT by USAA but rather, the third party servicer creates a draft and deducts the consumer 's account to create the bill payment -- essentially, the customer is creating a check/ACH to be drawn from their account. There is no disclaimer that this is what they are doing in your mobile app or online. There is no notification that they use a third party servicer. And moreover, this works so differently than other banks, that a normal consumer has no way of anticipating this, as every other bank simply fails the bill payment. Now granted, I should have transferred the funds into my USAA account but normally, when I send bill payments out, something like this would just be a minor nuisance for me to have to go in and redo the transaction after transferring money. I did not write a check or ACH to a merchant and tell them to draft my account, I did not use my debit card at a store knowing I did n't have funds. All of these are valid reasons to charge fees but in this scenario, a customer has NO WAY OF KNOWING that USAA is n't just taking money of their account and sending it or will get a fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-12
Company: TRUIST FINANCIAL CORPORATION
State: VA
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:
Company pulled my credit report without contacting me according to my Fraud alert

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: SYNCHRONY FINANCIAL
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
PayPal tricks people to use PayPal credit with 6 months free interest financing. And there is no warning/nor a date on the website indicates the due. I purchased a camera via PayPal credit six months ago for {$1900.00}. PayPal credit with 6 months free interest financing. And today, paypal suddenly sent me a bill of {$2200.00}. This business practice from PayPal is really terrible. Because I didn't get any email from PayPal prior the six months period ends. Nor I was able to find any date on in my accounts to indicate my due. So I believe PayPal wants to mislead people to charge people more interests. And after discussing with PayPal, PayPal 's customer service is not willing to cancel the fee even I can pay in full 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 2020-06-02
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:
these are not my account and inquiries, i have never apply for these. 
i don't have any contracts with these companies, no documents with my signature.

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