BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I initiated a dispute stating that payment history for my XXXX XXXX account was incorrect. The bureau is reporting late payments from XX/XX/XXXX - XX/XX/XXXX. This is incorrect as per an automatic stay in BK Case XXXX, I was not required to make payments during that time. Several disputes have come back as verified, and subsequent requests for verification information have gone ignored. This is having a damaging effect on my credit history and ability to obtain a mortgage loan and I am requesting that it immediately be corrected.

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 2021-02-21
Company: AES/PHEAA
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: Old information reappears or never goes away

Complaint:
Over the past few months I have been trying to get the three FedLoan accounts removed or to stop reporting as if they are active. According to my report it reads as follows : FED LOAN SERVICING Last reported XX/XX/XXXX Account status Closed Type Education loan Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Account previously in dispute - Now resolved by data furnisher Variable/adjustable Rate Times XX/XX/XXXX days late XX/XX/XXXX Closed XX/XX/XXXX The problem with the above information is my account status states these loans are closed as of XX/XX/XXXX, however they are being currently reported as derogatory as recently as XX/XX/XXXX. 

My loans are currently with US Department of Education Default Division at the Total and XXXX XXXX XXXX. They are with this unit to be discharged. 

I will upload the letter sent to me dated XX/XX/XXXX with an account number of XXXX. Phone number of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
IT HAS NOW BEEN MORE THAN 45 DAYS WITHOUT A RESPONSE FROM THE BUREAUS ON THE INCORRECT ITEMS ON MY CREDIT REPORTS AND I AM REQUESTING THAT THE FRAUDULENT ITEMS BE REMOVED FROM MY REPORTS AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: WESTERN UNION COMPANY, THE
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
XX/XX/XXXX - Mailed 2 money orders XXXX - XXXX XXXX - {$300.00} XXXX - Cardmember Services - {$300.00} XX/XX/XXXX - Found out both had been stolen & cashed. 
XX/XX/XXXX - Mailed complaint to Western Union along with a check for {$30.00}. 
Requested Copies - Never Received - Called & they emailed them the next day, I called them & told them it was fraud, Western Union said they would mail me fraud claim forms, which they could not email. 
XX/XX/XXXX - was told the forms had been mailed on XX/XX/XXXX. 
Today is XX/XX/XXXX - I still have not received the forms.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I called Transunion to remove inquiries that I did not authorize. I spoke with a US rep that was handling my request. In the midst of our phone call, as he was confirming the ones that needed to be removed, the call was disconnected. I called back and waited 15 minutes to get another US rep on the phone. I explained to him the conversation I had with the other rep and how he was deleting unauthorized inquires and that our phone call was dropped, I asked if he could continue and he said he could not. Needless to say, he did not help me with removing the unauthorized inquiries. I have had this issue with XXXX and XXXX as well. I can not get anyone on the phone who is willing to assist with deleting these items. There is a total of 10 inquiries that need to be deleted, they are : XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX/XXXX dated XX/XX/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 2021-04-09
Company: BBVA FINANCIAL CORPORATION
State: OK
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a total loss on a vehicle in XX/XX/2021. Payment in full was made XX/XX/2021. Negative reporting noticed on my credit report on XX/XX/2021. Started making calls to inquire. Check never received by BBVA. Stop placement was done on check by insurance agency. A new check was issued. Check from XXXX was then found and cashed and obviously had been stopped after a 2 month time frame and report of never receiving by BBVA. They deny receiving new payment as to date. I have spoke with at least 10 people with BBVA to get this situation resolved. I do have names and a ticket number. I also, have 2 emails now to XXXX without any return communication. I requested to speak to someone to get a physical address. The insurance agency has agreed to send the check certified mail so that it may be tracked, considering the issue with getting payment to them. My biggest concern is the impact it is having on my credit score. I just sold my home and will need to purchase another and now have this delinquency that is not actually mine. I need help getting this payment processed and the negative reporting removed from my credit report. I am unable to get to anyone to help me after countless hours on the phone. ANY ASSISTANCE IS GREATLY APPRECIATED AS I'M GETTING NO WHERE TRYING CALL OR EMAIL.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: AMERICAN EXPRESS COMPANY
State: FL
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 opened an American Express account XX/XX/2017 and it was connected to the XXXX program. I have been using the card and making my payments on time each month. This month I went to make a payment and in bold red letters across the top it stated ACCOUNT IS CLOSED. There was no explanation. I called and was told they discontinued the XXXX card. I spoke with a rep and a manager. They will not transfer my account in good standing to a different type of AE card. They offered for me to just reapply if I want to stay with AE. Their actions are going to negatively affect my credit score act across the board. They told me they decided the XXXX program was not working for them - not enough interest. I asked why there wasn ' t any notice and they told they sent one in XX/XX/XXXX. They mailed it to an address in the XXXX after I called and explained that we were staying somewhere else temporarily and gave them a new address. If an account is in good standing, it should be transferred to a new AE card. Consumers should not be negatively affected by a credit card companies actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING 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 2018-04-16
Company: Bread Financial Holdings, Inc.
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I do not have a signed contract with XXXX XXXX. They are stating they purchased the account from XXXX XXXX XXXX XXXX. This bank doesn't exist. they are stating i owe a balance of {$800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
loan # XXXX I refinanced my Mortgage after it was transferred to Freedom Mortgage phone # XXXX, spoke with XXXX ID # XXXX In the process of refinancing both myself and my refinance escrow company spoke with Freedom about a payoff and refund of my tax impound account. 
I was first told that they would send a refund check to me when the mortgage payoff was made to them. 
The payoff was made on XX/XX/18, from XXXX XXXX XXXX, the balance due me from the escrow account was XXXX and instead of sending it to me after it closed they send it to the County of XXXX XXXX XXXX on XX/XX/18 to double pay the taxes I already paid through escrow so that the new loan would fund. 
Upon calling both the County of XXXX XXXX XXXX and Freedom Mortgage I can now not get that refunded to me in any timely manner. It takes a month for the County to refund Freedom Mortgage and up to 30 days for Freedom Mortgage to refund me after they get the money from the County.

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 2018-04-16
Company: EMBRACE HOME LOANS
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Embrace home loans received the bill from our insurance company XX/XX/XXXX, as of XX/XX/XXXX they still did not make payment to our insurance company. I called XX/XX/XXXXto find out why - they had no answer and said payment would be sent within the next week.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I had received a letter from XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX? ) representing Portfolio Recovery Associates, LLC regarding a XXXX XXXX XXXX . The letter states they are attorneys. Yet online no listing in the XXXX XXXX XXXX nor Wisconsin Bar ; the letter states that they work out of XXXX, WI. The only time a debt collector needs to hire attorneys is to protect the firm against the Unfair Debt Collection Act and other regulatory complaint. The firm is asking me to pay an additional {$120.00} to take the case. It is Portfolio Recovery Associates that hired them not I. Again, Debt Collection agencies only hire law firms if the Debt Collector has broken the law or are knowingly engaged in illegal or unethical practices. The law firm in question has several illegal and unethical outstanding complaints. I believe there is collusion on both companies and would like my debt handle by another firm not has no association with the law firm or this debt collector. The phone number for the law firm is XXXX Portfolio Recovery 's phone number is XXXX I believe that after investigation of this matter that the fake law firm should be fined to the point that they must file bankruptcy. Also, Portfolio Recovery should be monitored more closely as their workers do n't sound licensed or that it is current. Portfolio Recovery Associates is aware that XXXX, ect. Is not a real law firm. Anyone that is an actual lawyer that collects debts works on high end side like yacht and jet loans recovery. Not my account. A simple debt collector just needs a high school diploma, pass a background check and pass regulatory testing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Around 90 days ago my credit score stopped showing suddenly on my.Equifax.com. Once I contacted Equifax they advised me to send in my documents to very my identity. Those documents included my SS card, drivers license, and a letter asking them to update my information. Recently on XX/XX/XXXX I was told by Equifax that they never received my documents. I then resent them and was told they arrived XX/XX/XXXX. They stated my credit score should be showing now but it is not. Ive call a numerous amount of times. Disputes have been filed and completed. Ticket request were requested and stated they were completed. On my end there is still nothing showing. When I apply for credit I am immediately denied due to Equifax. I also tried to purchase a product from them multiple times and it says unable to complete your request. I call customer service and still nothing. I keep receiving an NH code error from Equifax. This issue is now hindering me during covid. I am worried because I can not access my credit score information like every other consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: CAVALRY INVESTMENTS, LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a debt collector show up on my credit report Convergent outsourcing. I have send 2 letters requesting they verify the debt because its for XXXX. Well I'm a current comcast customer and my bill is autopay and has been for years so I doubt the {$1000.00} is mine. I've disputed it on my credit reports and it just says updated never any proof that it is actually mine. I've never gotten a response to my letters with the verification that it is mine Either. I just want it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: Square Inc
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My cash app was hacked at the time I used cash app for direct deposit of my paycheck, my email address was hacked thru my email thieves got my cash app I have attempted to resolve this issue without success. I keep asking for updates and each time I'm given a different generic response. On XX/XX/2020 {$1900.00} was spent on XX/XX/XXXX and withdrew, also {$90.00} was sent to someone with the name XXXX XXXX. I immediately contacted cash app support thru the only unreliable form of contact email. They responded with six questions which I answered. No one responded until XX/XX/XXXX only because I complained to the XX/XX/XXXX and the response was basically to scold me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: Franklin Collection Service, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a collection on my XXXX credit report. When I sent Franklin Collection Services a letter about it they sent me a letter for the item listed. It has the last four of my SSN but the name on the debt does not belong to me. I want this removed immediately. Please see all attached docs. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Netspend Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XX/XX/XXXX charge entered incorrectly over XXXX Card was swiped and NetSpend declined the charge yet placed a hold for the total amount I had available at the time {$1300.00}. 

XX/XX/XXXX contact with Merchant advises they do not show a hold or any funds for me yet NetSpend still has funds pending. 

Now XX/XX/XXXX NetSpend is charging overdraft fees however the funds that are pending would cover it if they would release the hold that they denied. I have paid cash for the product already.

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 2021-04-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: WESBANCO BANK, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a conventional mortgage through Wesbanco. During the initial closing disclosures, I discovered we ( my co borrower and I ) were being charge over {$660.00} for discount points. After explaining to the lender that neither one of us asked to purchase these mortgage points, nor was it explained to us prior to moving forward with the purchase, because as investors, we planned to buy the property, repair, rent and repeat. So, buying points on this deal would actually make us lose money on the investment after refinancing in only 4-5 years. The lender insisted that there was nothing he could do to remove the points because my $ XXXX investment loan was too risky.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: CAVALRY INVESTMENTS, LLC
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Calvary Portfolio Servic is trying to say i owe a debt to them of {$4300.00}. When asked could they provide me method of verification and other documents to prove that i signed a contract with them, they didn't have any of this on file. there is no contract signed by me showing i accepted responsibilty for a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: The CBE Group, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
CBE group added something to my credit when we already had a payment plan setup an they never once told me that i had to pay it by a certain date then soon as i got down to my last payment they put that on my credit report as a collection after its been paid in full ... i never miss a payment or nothing so i dont understand why they did that to me when Im trying to keep a good credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I submitted a complaint to the FCC ( Ticket No. XXXX ) re a Company I have been paying on a recurring basis by credit card from USAA FSB. This Company has yet to respond to me or the FCC. My only remaining option, or leverage, is to stop paying them in hopes they will respond and resolve my complaint. 
To that end, I contacted USAA on XX/XX/2020 and asked them to no longer honor the recurring payment. The gentlemen I spoke with ( XXXX ) was extremely courteous and understanding of my problem ; but said they could not honor my request. He further said there was no facility for doing so and once I gave a vendor my credit card info they could submit, and have honored, charges into infinity. My only 2 options are to dispute charges after the fact or to cancel my card and start over ( a move requiring considerable time, effort and possible  issues with my credit. ) If, according to XXXX I had set up a debit card for the payments, then I could suspend or stop same. He could not explain why one but not the other. I have been with USAA for approx. 53 years. 
Through XXXX I, according to him, registered a complaint to USAA but would not necessarily receive any feedback, answer or resolution.??? 
It is inconceivable to me that I can't, through the issuing institution, stop recurring payments on a credit card. Even if I'm willing to pay a fee ( similar to a stop payment on a check ). 
Hope you can help me with this. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
My credit score was dropped to a very poor level when I paid off my XXXX XXXX account with no bad remarks on XX/XX/2018 and restarted the same account later but Equifax, and XXXX reported that it as a credit debt to pay off the account balance but still they committed fraud contradicting their own standards because the account was reopened in the same month with a new balance. They are revolving around businesses that I own that are committing this fraud daily. I own the XXXX XXXX, XXXX, XXXX XXXX  markets. I have been attacked by employees and discredited from my large income. Credit monitoring companies use my office business resources to hack a credit score monitoring system to steal my businesses in this up rising. XXXX are involved. I need my credit to get out of this ground zero where respectable home brand names businesses are thrived from me.

Company response to consumer: Closed with explanation