BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-21
Company: BSI Financial Holdings, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My husband and I refinanced our mortgage with XXXX XXXX XXXX. After the refinance was complete, the mortgage was transferred to XXXX XXXX for servicing. Having made 3 payments ( on time ) to XXXX, I was completely frustrated to receive a letter dated XX/XX/XXXX that my home owner 's insurance policy had expired. The letter stated that they would be " buying '' insurance for us. To the best of my knowledge the insurance information provided to XXXX XXXX XXXX when the refinance was completed should have been transferred with the loan. I contacted XXXX XXXX  on XX/XX/XXXX and was told that a payment had been made for our home owners ' insurance but no one could provide me with a check number to confirm the payment. The representative that I spoke to told me at that time she could see that the payment had been disbursed but could not confirm where it was sent. She transferred me to XXXX in " the insurance department '' only to be told they DIDN'T have our insurance information on file. I proceeded to give her the information and the phone number to contact XXXX XXXX to make sure further billing would indeed be going to the correct address. I emailed them the information that day as well with a request of a response that the issue had been resolved. I checked our mortgage account on XX/XX/XXXX and saw that it appeared that a disbursement had taken place for insurance. On XX/XX/XXXX the payment that appeared to have been made was reversed and NO payment had been made for my home owner 's insurance policy. I contacted XXXX again on XX/XX/XXXX and spoke to XXXX and was told a check had been mailed so I asked for the check number of the disbursement. After researching, she told me she was unable to provide a check number and would have to transfer me back to customer service. After being transferred back to customer service and speaking to XXXX I was finally given a check number for the insurance disbursement. ( Ck # XXXX payable to the order of XXXX XXXX ) Having read all of the horrible reviews online for XXXX XXXX, I too want to file a complaint about the companies inability to " service '' any loan in a timely manner. I have huge concerns for my upcoming property tax bill being paid on time. It is completely unfair for a consumer to have to make sure the " loan servicing '' company is actually doing their job. If they continually fail to pay home owner 's insurance and property taxes on time I wish to have them stop escrowing our account and we will be responsible for paying our own insurance and property taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Experian Information Solutions Inc.
State: NC
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 was in a car accident, my car was a total loss and it was paid by XXXX  XXXX. There was a remainder balance of about {$500.00} that was paid by XXXX XXXX XXXX. Not too long after that, I received a check from XXXX XXXX for XXXX. 

The loan shows up on my credit as a charge off for {$15000.00} and its been very damaging to my credit. I called the creditor and they told me I needed to call the bureaus. I have disputed it and disputed it repeatedly, but it still remains. The car was paid in full and its showing as a negative on my report! 

No one will help me rectify this and XXXX has been less than helpful as well as the 3 bureaus.

I also believe that they committed FRAUD - I believe that they received TWO payments on my car and left me with a negative remark on MY credit. I think they go MY payment from insurance, and then claimed it was a charge off in order to get a SECOND payment on on totaled car.

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 2020-10-10
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
The bank locked my account with out my knowledge and I was told in order to unlock the account I had to send my legal documents. I sent my legal documents 3 times now over the course of 3 months I have been told different times my card should be unlocked and that I should call again.. everybody I have spoken too gave me a different answer but no solution. I have a XXXX XXXX XXXX  daughter and that unemployment was to help me and my daughter and bills. Im now in my 3rd month and Im still being told nothing about my card being unlocked.

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 2018-12-04
Company: FIRST NATIONAL BANK OF OMAHA
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I open a secure credit card with my bank, and they tell me that in 11 months if i pay ontime, and user the card o basic, in 11 months i will a credit encrease and my deposit wil refunde to me, with interes, that i will have a unsecure card for the good use of the secure creditcard, so i contact the bank todady to find when i will get the desposit back and whn my creditcard will have a credit limit encrease, and this is what the bank tell me : XXXX XXXX XXXX on the chat with the bank : XX/XX/18 XXXX XXXX   XXXX XXXX. 
Dear XXXX : This is disclosed in the Deposit Agreement. We regret if you were provided with incorrect information. We upgrade secured accounts to unsecured accounts through an automated process. You do not need to do anything on your part. You will be notified by mail if your secured account is upgraded to an unsecured account. If you have any further questions, please do not hesitate to contact us at XXXX or send us an email. Sincerely, XXXX XXXX. Customer Care Senior Specialist XX/XX/18 XXXX XXXX  XXXX XXXX XXXX Your deposit has been placed into a reserve savings account where it will stay until you close the account, or the account is upgraded to an unsecured credit card. " '' '' I know this, when i open the account the bank tell me, that after 11 months the money will wil be send back to me or i will be unsecured credit card. They never tell me my deposit will been placed into a reserve savings account. 

XX/XX/18 XXXX XXXX XXXX XXXX. 
Dear XXXX : Thank you for contacting XXXX XXXX. Your deposit has been placed into a reserve savings account where it will stay until you close the account, or the account is upgraded to an unsecured credit card. You can request a credit limit increase and add to your deposit online. After you have logged into the account, click on the credit limit increase request link. Please fill out the form, and submit it online. You will need to provide requested credit limit and deposit amount, as well as the funding account information including bank routing number, bank account number and account type. It takes 7-10 days to see the increased limit in approved cases. If you need further assistance, please contact us at XXXX or send us an email.Sincerely, XXXX XXXX. Customer Care Senior Specialist XX/XX/18 XXXX XXXX  XXXX XXXX XXXX When i can ask for refund deposit or credit increase base on terms of the account. Thanks

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 2020-05-16
Company: EQUIFAX, 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:
Credit breau keep reporting old child support that is still in litigation since 2016 I do not owe this debt this debt is not settled in the Court of law. I did not sign a contract with Child Support and they can not produce anything with my signature stating that I'm responsible for such debt. Futhermore this debt was obtained by Fraud for I was not present when this debt occured. The Children that this debt is based upon are not my kids and I haven't neither do I attend to take responsibility for kids that are not mine. If this credit reporting agency continues to report this inaccurate information on my credit report I will be forced to take the next stept which is file a law suite in Federal Court because they are violating the fair credit act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
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:
In XXXX of 2018 consumer filed chapter XXXX bankruptcy and was discharged XX/XX/2018. Consumer noticed and disputes the inaccurate information reported on the credit reports and as of this day they are still refusing to remove in accurate information dispute a court order showing the items were discharged  in bankruptcy. Consumer filed a complaint with this organization and this issues has not been resolved. 
1. XXXX XXXX  2. XXXX XXXX  XXXX 3. XXXX XXXX XXXX XXXX 5. XXXX  XXXX  6. XXXX XXXX 7. 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 2020-01-21
Company: PRESTIGE FINANCIAL SERVICES INC
State: NM
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I purchased a car on XX/XX/XXXX in the amount of {$17000.00} with an interest rate of 21.13 %. I let the car go and the car was sold for {$6100.00} in which Prestiage Financial received payment of that on XX/XX/XXXX. I have paid {$10000.00} in payments and I have been getting garnished and have paid {$8300.00} and paid voluntarily {$1500.00} to stop the garnishment. They have been unfair and stating I still need to pay {$250.00} a month on top of garnishment in XX/XX/XXXX and a payment of {$1500.00}. According to my calculations Prestiage Financial has received {$26000.00}. 63. They keep threatening me they are going to keep garnishing my wages and greasing me with phone calls. I never received a judgement letter to go to court as they send it to an old address when they new my current address and failed to send it to the correct one and stated they had no control over that. I am tired of being threatened by them and I have almost been evicted on several occasions due to this. I am seeking help in regarding this matter and an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
The credit agencies are experiencing so many breaches right now that it is affecting everyone. And this is what my complaint is in reference to. I have accounts on my credit report that is not mines, I'm requesting the following accounts be blocked from my credit report. The following are XXXX XXXX for {$180.00}, XXXX XXXX XXXX for {$38.00}, XXXX XXXX for XXXX, and XXXX {$1.00}, these accounts are not mines.

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 2020-09-01
Company: EQUIFAX, INC.
State: NC
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 was in a car accident, my car was a total loss and it was paid by XXXX  XXXX. There was a remainder balance of about {$500.00} that was paid by XXXX XXXX XXXX. Not too long after that, I received a check from XXXX XXXX for XXXX. 

The loan shows up on my credit as a charge off for {$15000.00} and its been very damaging to my credit. I called the creditor and they told me I needed to call the bureaus. I have disputed it and disputed it repeatedly, but it still remains. The car was paid in full and its showing as a negative on my report! 

No one will help me rectify this and XXXX has been less than helpful as well as the 3 bureaus.

I also believe that they committed FRAUD - I believe that they received TWO payments on my car and left me with a negative remark on MY credit. I think they go MY payment from insurance, and then claimed it was a charge off in order to get a SECOND payment on on totaled car.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I received a collections credit alert on my credit report from XXXX XXXX for {$910.00} dollars. I contacted them and asked them to verify the debt, including agreement that authorizes them to collect this debt, the agreement which bears the signature of the debtor and the complete payment history which shows the amount they are truing to collect is valid. 

On XX/XX/XXXX, I received a canned letter from XXXX XXXX stating the debt was verified and a single page from a ( XX/XX/XXXX ) XXXX XXXX statement. The information they provided did not verify the debt. 

On XX/XX/XXXX, I mailed XXXX XXXX a second request to verify the debt and include the requested items required to verify the debt under FDCPA. They have not responded with the requesting verification.

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 2020-12-07
Company: Paypal Holdings, 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 have been receiving emails from " PayPal '' over a span of months saying there have been " suspicious activity '' regarding my account and that my account has been frozen. I have not used my PayPal in a very long time and it is connected to a bank account I no longer use in a different state. Needless to say, I tried to log into my account to see if there are suspicious charges. I checked my bank account and saw nothing and also tried to login to PayPal and the login screen kept refreshing and popping up. I couldn't get into my account so I tried to contact their support and could never get ahold of anyone. Because nothing was coming out of my bank account I disregarded it since there is no money in it anyways. I just got an email today saying that my account has been sent to collections ( PayPal logo on it, along with a new help number to contact on the bottom ). Called the help number to PayPal and all of a sudden they answer. I explained to them I have been trying to get ahold of someone for months and they told me my account is locked and would not lift the lock until I called another number. I called the number and it sent me to the collection agency. They asked from a auto system for my social security number or the case reference number ( which was never given to me in the email ). I was on hold for 30 minutes and I told them I'm not giving my social security number. They asked for the last 4 digits and I said no. They asked for my current address and I said they don't need it. I told them I wasn't paying anything until I got into my account to see the fraudulent charges in person and a paper trail and they said " PayPal has not sent any paperwork to us '' and the more I asked for proof or a paper trail they then said to not worry about anything anymore. They stopped all charges from my PayPal and that I didn't owe anything anymore. None of that made any sense. 

Not only this. The first time I tried to contact PayPal was when I got an email notification of a receipt saying someone used my account to purchase a XXXX dollar XXXX XXXX XXXX. Which I have no record of. Which is obviously a ploy to have me contact these people. 
These companies not only stole PayPal logo and pretended to be PayPal but they even have people over the phone pretending to be their help service which isn't the numbers listed on PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 name was caught in a credit mix file that caused incorrect information to be reported in my credit file. I disputed these errors and submitted proof of identity theft affidavit. I recently reviewed my credit file and found the same closed negative account, wrong date of birth and this company has even reported my physical health as XXXX which is against HIPPA LAW. I have asked this company numerous of times to remove this wrongful information from my account because it is damaging to my credit and character.

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 2019-08-10
Company: Veros Credit, LLC
State: CA
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:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-24
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed fraudulent account on my credit report that are reporting inaccurately. I called these companies to dispute but they never did anything. I even sent letters to them 3 weeks ago still no reply. Multiple debt collectors have contacted me which is violation of usc 15 I want proof that I signed for these accounts and i want proof that I owe any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: CL Holdings LLC
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
XX/XX/XXXX CARD WAS TO BE OPENED IN MY NAME AND SENT TO ME AS A PROMOTION FOR PAYING OFF A DEBT WITH JEFFERSON CAPITAL LLC. 

I PAID OFF THE DEBT IN RECORD TIME AND SINCE THIS TIME I HAVE NEVER ACTUALLY HELD THIS CARD IN MY NAME. 

THEY HAVE BEEN SENDING ME DEMAND FOR PAYMENTS FOR MONTHS YET THEY ARE NOT EVEN CORRECTLY OR INCORRECTLY REPORTING THIS CARD ON MY CREDIT REPORT. 

I HAVE FILED REPORT AFTER REPORT OF THIS ACCOUNT NEVER BEING IN MY POSSESSION AND THEY REFUSE TO HELP

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
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: Problem with personal statement of dispute

Complaint:
I submitted disputes to XXXX, XXXX, XXXX XXXX XXXX XXXX, and Portfolio Recovery Associates asking for verification of creditors that were reporting on in credit file. I sent the request via certified mail with a return receipt. This was mailed XX/XX/2019. I had already been received a negative rating because of the various creditors before my dispute. But, after the supposed investigations from XXXX, were completed, my scores received additional negative ratings. This in my opinion is like being charged twice for an item that I had previously been charged. In some instances, my scores went down by as much as seventy ( 70 ) points. That not right or fair to me the consumer. There as also creditors reporting the same item on my creditors report twice. Thats a double hit to my credit. The creditors are also re- aging items that are in the dispute. This should not be allowed. Also, I had a XXXX balance on my two credit cards, but it took the credit agencys least two or more months to reflect that on my credit file. Some still have not updated that information. When the information is not updated in a timely manner, it causes my credit score to remain low and not reflect the true score. Also, I told these same agencies that some of the information is stated as a credit card or a personal loan when in fact the item in question is neither of those things. Again, it causes my scores to be inaccurate. Also, in XXXX XXXX account makes it as though i closed seven accounts but in actuality my XXXX account was never closed. I added to my account but they make it seems as though I have several closed accounts and this is causing my scores with the three credit agencies to be incorrect. Even the balance of the accounts on my credit file are not reporting as accurate and I have brought this to the attention of the agencies to no avail. Im a veteran who suffers from XXXX and this is causing me even more undue stress and anxiety because the agencies and companies are failing to follow the rules that are set forth by CFPB. I need help.

Company response to consumer: Closed with explanation