BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-26
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hi there, I was at the XXXX XXXX XXXX and was stopped by someone claiming to be a psychic healer. She requested {$260.00} in exchange for a professional healing that she would do for me at a pre-determined date. I sent this woman {$260.00} via Cash App and never heard back from her. Her handle is : XXXX  XXXX I feel very emotionally and financially violated by this. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2023-04-09
Company: ACIMA CREDIT, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Acima Digital ( XXXX XXXX XXXX ) {$3200.00} These companies keep showing up on my credit report and I don't know them with being XXXX had a big breach I would like for these items to be removed. No Actions was done because I didn't know how to locate these companies

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: EQUIFAX, INC.
State: CA
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 have told Equifax over and over by phone & by mail that I have fradugelent information reporting on my credit report. I have sent all the requested documents & they still report these fraud accounts. XXXX XXXX & XXXX XXXX XXXX are not mine and is FRAUD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Straighten out the mortgage account.. There have been no late payments so not sure why erroneous late fee charges among other wrong fees/charges accessed to the account.. 

Why is the mortgage balance not reducing when there have been payments made & accepted by Capital One for every month 's mortgages account. 

This matter has been in limbo for over 6 months as Capital One is still researching the issue??

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: BANCO POPULAR DE PUERTO RICO
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I have been trying to close this account for a month. They told me to withdraw the money and I would be able to close the account. I withdrew the money and called to close the account. They said that I had to wait 5-10 for the balance to show up as XXXX. I waited and then called to close the account. These scam artists told me that I couldn't close the account because I owed {$260.00}. I told them that I was going to file a federal complaint -2 secs later the man said I know " I just checked the account and it now has a XXXX balance so I will submit the paperwork and you can call back in 5-10 more days when the account will be closed. '' That is only because I threatened to file a federal complaint. I spoke with XXXX XXXX at XXXX XXXX XXXX at XXXX on XX/XX/18 regarding claim number XXXX. If you pull the call, you will here him trying to scam me. 

This bank is probably scamming people left and right. I need this account closed! The hold time for each call is 45 minutes to an hour and a half! Every. Single. Call. 

I want this account closed and I am not paying these scammers any money to close it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: Phoenix Financial Services LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I'm unaware of this debt and did not have the opportunity to dispute. Also, please provide Assignment of debt, Method of Verification and Validation of Debt. 

PHOENIX FINANCIAL SERV # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: Social Finance, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I wanted to take advantage of the opportunity to change my payment date due to my current payment date being due the same time as my mortgage payment. 
Upon logging into the Sofi App, I clicked on my existing personal loan and then clicked on my loan details, there was an option to click on called, due date. When I did, it allowed me to select another date within the month. I changed the date from the XXXX of each month to the XXXX. When I selected this option I was alerted to two notifications at the change of date : 1 ) it may take 1-2 cycles for the new payment date to take effect & 2 ) that I would not be able to make another change to my payment date for another 12 months. 

After 2 months my new payment date was updated, and I noticed immediately after I made my payment on the XXXX of XXXX and they made the change to the new date of the XXXX it was requiring me to make another payment in the same month ( XXXX ). I reached out to customer service multiple times through phone and email to inquire ; however, not only do I keep getting a different representative every time, but no tangible or sufficient information to show I received proper notification that if the new due date was more than 15 days in between selecting a new payment date ( companies policy ) that I would need to make two payments in the same month. 

In a few attempts in reaching out to customer service and asking to speak to higher level managers, I keep getting the run around in that the system should have alerted me and my responsibility to read before accepting ; however, the company cant seem to provide this notification that I would have seen or acknowledged. In fact, one customer service response was, I am not able to provide a copy since it is system generated on the customer side. Why is the company unable to provide a notification from their system to the consumer alerting an additional fee or payment upon selecting the option? Why cant the company show me I in fact received this notification or went it was sent. The company sends me notifications all the time regarding payments, balances, changes to my loan ... but no notification in my alert section about this double payment in selecting a new payment date if outside of 15 days. The app did not provide this information and therefore misleading in requiring a second payment in the same month when my original goal had been to help alleviate two large payments being due at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Account show in credit report as open even its close, I attach screenshot from my XXXX  credit report show its close

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Sent secure message to TD bank on XX/XX/2020 relating to account opening bonus. Received a response 2 months later on XX/XX/2020 that was system generated. Message stated that due to high volume of requests, the bank can't respond. Promptly called customer service on XX/XX/2020 and was unable to reach a representative ; call was dropped. I called back later on the same day and was hung up on. Attempted to call multiple times over the next month to no avail. Sent another secure message on XX/XX/2020 requesting to close the account due to lack of response regarding any inquiries. The account contained a positive balance at the time. A response was given on XX/XX/2020 by representative named " XXXX '' stating that there is a negative balance because a maintenance fee was charged on XX/XX/2020 due to lack of response. Any attempts to call the bank didn't receive a response. 

The same opening bonus offer is available via link : https : //www.td.com/us/en/personal-banking/checking-accounts/featured/? cm_sp=b000-00-5177-TNT # : ~ : text= % 24300 % 20bonus % 20offer % 20available % 20to,60 % 20days % 20of % 20account % 20opening. All requirements have been followed according to disclosures. Proof will be provided via account statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: Experian Information Solutions Inc.
State: IL
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/2019, I sent United States Bankruptcy Court ( USBC ) an letter requesting their procedure in place for verifying records with the credit reporting agencies. On XX/XX/2019, I received an response from USBC informing the bankruptcy court does NOT perform any activities with the credit bureaus. 

On XX/XX/2019, I sent Experian an letter demanding verifiable proof they have on file regarding the bankruptcies listed on my report. On XX/XX/2019, I received the following response from Experian regarding the bankruptcies listed on my report. 

Experian response : Outcome : Remains - The company that reported the information has certified to Experian that the information is accurate. Public record items from courts that Experian may have obtained through a third party vendor, XXXX 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 2017-09-15
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian data breach revealed a number of addresses in their file which they called residential of mine but were actually workplaces, my former wifes address, etc. they alsoreessed a huge number of reports on me despite a freeze I requested due to a data breach at a prior employer. I am noe being turned over to collection agencies and I want it to stop.

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 2019-08-15
Company: EQUIFAX, INC.
State: CA
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:
EQUIFAX AND XXXX ARE VERIFYING A VOID, VOIDABLE, INVALID LOAN. 
THE CALIFORNIA SUPREME COURT ADDRESSED MY LOAN IN ITS CLASS SPECIFICALLY THAT DUE TO THE INTEREST RATE THE LOAN IS ILLEGAL. 
THE CREDITOR IN MY CASE SPECIFICALLY VIOLATED A PERMANENT INJUNCTION AS THEY DID NOT EXPLAIN AND XXXX HOUR PHONE CALL REGARDING THIS @ 100 PER CENT APR LOAN. 
THE CREDIT BUREAUS KEEP VERIFYING A LOAN THAT IS WITHOUT A DOUBT ILLEGAL TO ISSUE BASED ON THE CALIFORNIA SUPREME COURT IN XXXXTHE COURT CALLS THE LOAN UNCONSCIONABLE, SO ONE-SIDED AS TO SHOCK THE CONSCIENCE. 
THE ILLEGAL DOING CREDITOR FOR XXXX ACCOUNT NUMBER XXXXKEEPS BEING ALLOWED OVER AND OVER TO VERIFY THIS LOAN BY XXXX AND EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Experian Information Solutions 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:
There are several inaccurate items reporting on my credit report : I was never late on the following accounts : XXXX  XXXX XXXX  - Open date XX/XX/XXXX XXXX XXXX XXXX  - Open date XX/XX/XXXX Dept of Education - Opened date XX/XX/XXXX Dept of Education - Opened date XX/XX/XXXX The following account is not mine : XXXX - Reporting XX/XX/XXXX Address : XXXX XXXX XXXX  ( XXXX & Experian ) Address : XXXX XXXX XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX XXXX XXXX ( XXXX  ) Unauthorized Inquiries : XXXX ( 2 TIMES ) XXXX XXXX ( 4 TIMES ) XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX XXXX 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 2017-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX,2017 XXXX and XXXX on XXXX 2017 this bank pulled my credit without me authorizing them to do so.

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 2020-08-31
Company: Experian Information Solutions 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: Information is missing that should be on the report

Complaint:
None of the three credit bureaus have my XXXX XXXX XXXX visa reported. It is unclear if the credit card company reported.

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 2019-05-29
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have been notified by XXXX XXXX XXXX that I have accounts that I have no knowledge off, and it is preventing me from opening an account with XXXX XXXX XXXX XXXX. I have contacted XXXX XXXX and XXXX XXXX and they state that these accounts are valid but provided an address that I have never lived at. I have disputed these items for 90 days to no avail and get the same answers and run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX are not mine. Credit Bureaus are misrepresenting that I owe this debt and yet they could not substantiate its representation.. They have provided information while knowing or having reasonable cause to believe that the information was inaccurate. They failed to abide the provisions of FCRA that's why I am filing this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX is reporting a medical bill in collections that was supposed to be paid by my insurance carrier. Additionally, I never signed an agreement with XXXX XXXX XXXX to guarantee payment as I was on XXXX at the time. 

I was not able to contact the company directly because they don't have any contact information on the credit report.

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 2019-08-15
Company: Experian Information Solutions Inc.
State: NY
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.

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 2020-05-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM A VICITM OF AN IDENTITY THEFT, AND THE COLLECTION ACCOUNTS ARE FRAUDULENT. I HAVE SENT ALL REQUIRED ITEMS HAVE BEEN SENT TO EQUIFAX TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. EVERY TIME I SPEAK WITH EQUIFAX AGENT, THEY DON'T HAVE INFORMATION TO PROVIDE ON THE COLLECTION ACCOUNTS, I HAVE SENT THEM NOTARIZED IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In response to the XXXX XXXX XXXX XXXX who has the XXXX of XXXX I have attorneys in place and look to gather further XXXX  letters which I am getting from Bayview for my attorneys. If you look at the image you will see that there are 2 joint tenancy 's on the property which goes to show that by law you can have more than two. Also the attached Colorado Law shows that property in joint tenancy does not have to be probated and that is all this XXXX XXXX talks about.The property transfers form one party to another I guess the lawyers that I have will explain this to the XXXX XXXX XXXX. This XXXX XXXX XXXX does not have a clue as you can see on the title of the property there is Joint Tenancy filed in XXXX, XXXX, XXXX and when you read the property title and you look at the XXXX XXXX in Colorado the property transfer and the XXXX XXXX XXXX has done no favors and the people at Bayview are going to pay with XXXX XXXX, and XXXX XXXX, and XXXX XXXX all ready lets get the XXXX XXXX XXXX to send another XXXX letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: Continental Finance Company, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
An agency claiming to be conducting debt collection services on behalf of Continental Finance Credit Card has been contacting numerous third parties about a debt they claim I owe. The name they present themselves as is XXXX / XXXX XXXX XXXX. They contacted my employer and asked if I could be served court ordered docs. at work. Theyve spoken to 3 different parties at my job and most recently theyve started reaching out to Family / Relatives. I contacted them directly and asked for the information about the debt they were attempting to collect, I requested to be given time to review my Credit Report in order to confirm whether or not this debt was my responsibility of if it was on my report and I also requested not to be contacted at work. They confirmed my SS # and then proceeded to tell me that I would be served with a court order at work if I did not resolve / pay off the delinquent account. I made numerous attempts to obtain an address but they wouldnt provide me that information. I called back repeatedly since they hung up on me when I continued to ask for an address & for more details about their identity / the company. My request for information was met with threats about being served at work and I was told to pay my bills and then I wouldnt have to worry about the calls. 

Their contact Number is XXXX ( XXXX ) XXXX The Main Lead / Representative ( person that contacted all of the ppl at my job & my relatives / person managing the case ) is XXXX XXXX. She claims to have a direct number, XXXX XXXX XXXX XXXX XXXX. 
These ppl claim to be doing business on behalf of Continental Finance, a credit card company that issues three main types of CCs ( under XXXX, Matrix or XXXX  ). 

At this point, no written information / supporting documentation has been mailed to me even though I inquired about receiving actual written documentation.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: EQUIFAX, INC.
State: SC
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:
XX/XX/2020 vehicle loan with XXXX XXXX XXXX XXXX XXXX was paid off in full and reported to the credit bureaus but the account it not being reported on XXXX  and Equifax Credit Report. I have wrote in to the agencies and XXXX  still has not corrected this matter. Equifax and XXXX   have add the account but incorrectly and the payoff didnt increase my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: EQUIFAX, INC.
State: IL
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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation