BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX I recieved an email from XXXX, a credit reporting group, who told me my credit score had declined, see details The details in summary said that the report I filed to XXXX XXXX XXXX complaining on a legititamate overcharge on my visa card of {$12.00} by a restaurant, documented and emailed to them, has not been resolved, but that Transunion has shown that my credit score has declined from XXXX to XXXX due to my filing a claim. 
I called XXXX XXXX XXXX, and they said that there was nothing they could do about the decline in the credit score as they only report such issues to the credit bureaus, and they were surprised that it would affect my credit. 
I tried to go online to Transunion, however, the online claim reports indicated I could not complain about my score to them, they had the right to do what they wanted. 
No company, or group of credit reporting companies, should have the right to reduce anyones credit because they found an error on the charges on their account, and questioned an overcharge. They said " well, perhaps in 30 or so days when this issue was studied and resolved, perhaps the credit score will go back up. However, they had not control over this and they only report it to the bureaus as they are instructed. '' Well, firstly, I don't think this should be allowed to be reported to credit bureaus, and secondly, no credit bureaus should be allowed such powers to adjust your credit report for asking a question. 

Is this right?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-01
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
opened an account with an expired ID online used account for XXXX XXXX and entered the bank on XXXX with the expired ID withdrew money from my account with no issues entered bank on XXXX to withdraw my rental payment again with the same expired ID and the would not do withdraw so I left they then locked my account without my knowledge I went into my local branch to get the account unlocked the assistant there at the branch put in all my info to their security department and said my money will be accessible on monday the XXXX I left the bank and while driving back to work that same assistant withdrew {$820.00} from my account without my permission and put it in a cashiers check and when I looked at my account online and saw the money was taken out of my account I called her and she said she did it so I could at least pay my rent ARE YOU KIDDING ME RIGHT NOW THEN I WENT IN ON MONDAY TO SPEAK TO BRANCH MANAGER AND HE DID THE SAME THING PUT IN ALL MY INFORMATION TO THE SECURITY DEPARTMENT AND STILL REFUSED TO GIVE ME MY MONEY THE ARE NOW CLOSING MY ACCOUNT ON XX/XX/XXXX AND MAILING MY MONEY I WILL BE HOMELESS BY THEN AND MY KIDS WILL BE TAKEN FROM ME BECAUSE I CANT FEED THEM AND I WILL LOOSE MY JOB FOR XXXX TRANSPORTAION THEN I LOOK ON MY ACCOUNT ON TODAY AND CHARGES ARE MADE TO MY ACCOUNT ON DAYS THAT MY ACCOUNT WAS LOCKED WHO IS USING MY MONEY HELLLLLLOOOOOO HELLLLLPPPPP

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 2022-02-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have a issue with a investigation regarding Bank of America here is the information BANK OF AMERICA ( Bank ) XX/XX/2021 I opened a bank account over the phone for my Business since the banks were not taking business account people in the bank without a appointment because at the time it allota of people in person opening accounts.I was offered to apply for a BOA credit card on the same day I opened my account, I said, if it effects my credit score I do not want to apply, if you or they have a recording on that day.I said thatbut the teller ran my credit with a hard inquiry anyway after I was done with my bank account, and I called back to say I didnt authorize them to do that, but they wrote a note and said I agreed with NO proof lbs I was signed up over the phone so I didnt input any information on my behalf.so they are lying to protect their image and their employee at MY expense, thats why I have not even used the banking account because of a grudge.

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 2017-07-13
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XXXX my wife received several calls from this number. They left messages regarding a XXXX XXXX XXXXXXXX whom we do not know. They then started calling my number so i picked up and tried to find out what they wanted. They asked if my mame was XXXX XXXX ... no idea how they got my info since ive never done business with them. Asked me if i knew this gentleman which i do not. And then proceeded to hamg up. I called back curious as to why they were calling us amd they said it was for location purposes for finding this gentleman. This is a collections agency called pioneer credit recovery and apparently and they are trying to locate someone because I was a " neighbor '' at one time. This is absolutely unacceptable calling random people who have never dobe business with them to try and locate someone else to recover 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 2022-02-07
Company: Bread Financial Holdings, Inc.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On Sunday XX/XX/2022 Comenity Bank contacted my mother and a place of employment, which I have not been associated with in over a year. They left a message on the voicemail at the previous employers and also on my mother 's cell phone. They left private information like my name and that they are attempting to collect a debt. I made a payment on this debt this month, and plan to continue to make payments. I was about 3 months late, but the payment was made and cleared on Monday, XX/XX/2022. I have had issues with this company in the past contacting family members regarding my account and I have already filed one complaint, and they are now doing it again. They are also contacting previous employers of mine. This is ridiculous. They should not be calling family member or employers and leaving personal messages on voicemails. Apparently this is something that Comenity Bank is known for and they clearly do not care if complaints are made against them because they continue to practice these unethical debt collections. I made a payment of {$100.00} this month, so there is no reason for them to be calling. They have only tried to reach out to me once, which was yesterday, about this debt. They did not even give a chance for me to call them before they started calling family members and past employers. Also, calling places of business on a weekend and leaving voicemails regarding my personal business is a violation of my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-04
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XXXX XXXX, 2018 I checked my credit score with XXXX and my Equifax score had dropped 18 points, although my XXXX report had gone up by one point. So how does one report drop you 18 points while another raises your score? I called Equifax and spoke to someone named XXXX ( probably not his real name ) from the XXXX. We had a SERIOUS communication problem. When I ask why my score had dropped, he put me on hold for over five minutes. He came back and said that it was due to a XXXX bill that had been paid off A LONG TIME AGO. and he could give me no other explanation. He said that XXXX XXXX uses a different software than Equifax and that their scores may not be accurate. I asked him what was my score and he wanted me to pay him {$7.00} to tell him. {$7.00} for him to tell me my score? It is enough that our information has been compromised, but to charge me to find out my score is nothing more than a rip off. I am a XXXX veteran and a XXXX XXXX and I am trying to buy a house, using my VA benefits and this drop in score is hurting me. I am current with all my bill and have been for well over a year. I think that all three credit reporting agencies should be regulated by the federal government. They 've got too much power to hurt Americans who have served this country, only to be controlled by someone in another country. RIDICULOUS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 previously sent a dispute letter to each of the Credit Reporting Agencies on XX/XX/2022, with complete attachments of my personal information and the XXXX REPORT I received from the FTC. I discovered that some of the information on my credit report was incorrect when I reviewed it. Under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX  XXXX Balance Owed : {$0.00} XXXX According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Reporting agencies are obligated to finish your investigation within 30 days, otherwise they will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission.

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 2022-02-07
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I had a recurring withdrawal set up with Coinbase to purchase {$25.00} every Saturday. This recurring transfer performed for three weeks ( XX/XX/XXXX, XXXX, and XXXX ). However, it did not occur the following Saturday ( XX/XX/XXXX ). I contacted Coinbase and asked for an explanation. All they did was " look into it '' repeatedly and then the representatives would respond with a generic cut and paste of how to set up a recurring transfer. I explained to them they did not answer my question, namely, why my recurring transfer was eliminated without my permission. I did not authorize deleting my scheduled recurring transfers but Coinbase could not give me an answer how it was deleted. This is clearly a security breach of some sort. 

Thank you, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-27
Company: ROC Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
You threatened to pursue legal charges against me in my county of residence, even gave me a deadline prior to you submitting such " charges '' You also, despite being asked not to, CONTINUE TO contact my family and discuss such situation with them. Consider this notice of representation Threatening Arrest or Legal Action. The threat to take any action that can not legally be taken is prohibited Contacting Third Parties. Revealing or discussing your debt with neighbors, co-workers, family members ( other than spouse ), or friends is strictly prohibited.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: EQUIFAX, INC.
State: MI
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:
Inquiries on my report that were not authorized by me XXXX XXXX, 2015 XXXX XXXX,2015 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate information information being reported XXXX XXXX # # XXXX incorrect past due balance XXXX XXXX # XXXX incorrect past due balance XXXX XXXX collection incorrect reporting account open date Contacted XXXX, XXXX, equifax to report unauthorized inquiries and they failed to remove the inaccuracies on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 INCLUDED MY PERSONAL IDENTIFICATION WHICH IS MY LICENSE AND SOCIAL SECURITY CARD TO THIS COMPLIANT... 

The following inquiry are fraudulent : XXXX. XXXX XXXX XXXX OF DATE OF INQUIRY XX/XX/XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX DATE OF INQUIRY XX/XX/XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX  DATE OF INQUIRY XX/XX/XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Please remove it from my credit report 5. XXXX XXXX Inquiry Date : XX/XX/XXXX Please remove it from my credit report. 


PLEASE SEE ATTACHED ALL NECESSARY DOCUMENTS

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 2018-01-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I sent two cease and desist letters to Portfolio Revcovery Associates concerning a debt that is past the statute of limitations. One letter was sent on XXXX XXXX, XXXX another letter was sent XXXX XXXX, XXXX. The debt collector has ignored my requests to cease and desist. The most recent phone call is on XXXX XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-03
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My complaint is multi-faceted. 
1. I am in the Public Service Loan Forgiveness Program. The count of months of payments provided by XXXX XXXX is quite different than my count. I have sent email messages to them requesting clarification and have never received responses. 
2. I recently changed jobs and my income based payment needed to be recertified. I provided the documents to them and was emailed a letter stating that I would receive a letter in the mail telling me what my new payment would be. I never received this letter. On XXXX I participated in a chat conversation with a representative from XXXX XXXX This rep told me that my repayment plan would be recertified in XXXX and I would start paying the new amount in XXXX. I received my bill today and the new amount is actually beginning in XXXX, not XXXX. I do not know what if any income based repayment plan I am now in. 
3. When you email XXXX XXXX, you receive a message stating that they have received your email but you do not receive a copy of your email. This makes it difficult to follow up and track correspondence. 
Thank you for your asssitance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I recently wrote an email to Best Buy about harassing me concerning a payment for my account. I was making payments, but they continued to call me two to three times a day nonstop. Dealing with XXXX, this did not help me but only frustrated me more. Afterwards, I sent an email informing of filing a complaint and the calls ceased. However, they illegally took an unauthorized amount of {$80.00} out of my account. The payments were setup for {$27.00} and without my permission, Best Buy took the past due amount. This illegal action caused my bank account to be overdrawn. I will never buy anything from this company.

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 2018-01-03
Company: AMA Advisors, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Despite numerous complaints, Homebridge financial keeps locking me out of my account. They are not the one-stop-shop for my entire financial profile. I use third party applications/software to log into my homebridge mortgage  account and pull the data needed to keep up with my finances. 

Homebridge blatantly blocks my attempts to log into my own account through these apps. They have declared 5 of my passwords unusable. I 'm on my 6th password, and it 's not 1 of my usual 3 passwords so I 'm constantly forgetting it and having to go through the process of resetting my password. 

Homebridge, and its security are doing more harm than good.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I contacted USBK Court Northern Georgia who says they don't report information to credit bureaus nor do they find any information regarding myself. I contacted Trans Union in regards to this information, but yet it still remains on my credit file inaccurately. I asked that it be removed on several occasions to no avail.

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 2021-03-10
Company: Monterey Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Monterey collection is in violation of the " reaging '' laws under FCRA act. They claim my husband and I owe a debt first reported as delinquent on our credit bureau report by them in XX/XX/XXXX. After some research into what the debt was I realized this loan was taken out in XXXX and was sold to another company in the same year. At that time I did not pay XXXX. This delinquent account never appeared on my credit report from the original lender nor did either of us named on the account get any notices that we were deliquent. This collection agency, I suspect, purchased this alleged debt and reported this as " new debt '' as of XX/XX/XXXX. I would like to know when the original lender reports this alleged debt as first going delinquent since that information was not reported on my credit report by ANY other entity until XX/XX/XXXX and only by this company. I want this removed our credit reports immediately under the FCRA law of " reaging '' that Monterey collections has clearly violated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: FIRST NATIONAL BANK OF OMAHA
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: Account status incorrect

Complaint:
I was alerted by XXXX XXXX because my identity was stolen on XX/XX/XXXX that FNB Omaha had accepted a fraudulent application for credit. Upon notifying them by telephone they refused to disclose any information to their fraud department because they said they could not prove it was me, but after 24 hours I received an alert that they closed my legitimate XXXX credit account and lowered my credit score in doing so even though that was not what I was told they were going to do, or not do. 

Now I have to worry that FNB Omaha has an open application for credit that was done online by a thief using my ssn, dob and full name. 

HELP! They should not be allowed to keep that account open that is FRAUDULENT.

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