BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
I have sent in multiple requests for investigations on the item listed & the creditor as well as the credit bureaus continue to report this account as inaccurate. The date of last activity is different on all 3 reports, if this information is coming from the same source then it should all be reporting the same dates. This is incorrect

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 2017-11-27
Company: RoundPoint Mortgage Servicing LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I was called by Round Point asking if I wanted to refinance my home. I was paying {$1200.00} a month and they said they could drop my payments to {$1100.00}. I was skeptical about it and asked several questions assured my payments would be lower. In XX/XX/XXXX I was called saying that I still owed {$500.00}. When I asked they said they had sent a letter telling me  that they had miscalculated my Escrow and I have to pay {$1500.00} a month for a year, then my payments will be {$1300.00} after that. I recently lost my job and almost at the end of living off of my retirement I cashed in. I will likely lose my house and the 50 % custody I have of my children. I would never have refinanced if I had n't been sold on lower payments. They miscalculated when they created the loan? Someone only cared about their commission and XXXX the numbers. This is a VA loan. I hope other veterans are not treated the same.

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 2018-05-07
Company: Credit Protection Association, L.P.
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 is closed and paid so it needs to be removed from my report please. Confirmation of closed is # XXXX XXXX XXXX took payment to close this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: KEYCORP
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
On Thursday XX/XX/2018 I went to Key Bank to withdraw money from the ATM at the branch on XXXX XXXX XXXX WA. I pulled up to the ATM and inserted my Optplus visa card and began the transaction. I had used this card dozens of times with no problems. This time the ATM said my transaction was declined, but did not give me a reason as to why. I went into the bank and explained what had happened. I was told that this was not the first time the ATM had " eaten, '' tellers words a credit card that was not Key Banks. That was bad but what happened next was worse. I said I did not want to get more overdraft fees and asked if I could do a bank transfer and was told no, the bank did not do that. I was referred to the bank MGR. I explained what had happened and he said there was nothing he could do. I explained that it was KEY BANKS faulty ATM machine that had eaten my card and he said basically too bad! I closed my account there and then. No one even said they were sorry! Worst customer Svc!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: LD Holdings Group, LLC
State: NY
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:
I have been a VICTIM of their Inquiry issue. Make sure to keep the list of inquiries from My credit report, l need to list off the inquiries from my credit report ; they have to remove from the list. 
Inquiry details : XXXX COMPANY CHECK MY CREDIT REPORT : XXXX XXXX ; THEY CHECKED MY CREDIT REPORT ON XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX Mailing address : loan Depot LLC, Consumer Lending Division, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX. 
TEL # 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 2021-11-05
Company: NAVY FEDERAL CREDIT UNION
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: Account information incorrect

Complaint:
My navy FCU account has been reported incorrectly. I have printed my credit report from XXXX XXXX and XXXX. All three credit bureaus report different things. Example account numbers on credit report for all three bureaus are reported different. Date account opened all bureaus repeat differently XXXX  reports it opened XX/XX/XXXX experian reports it opened XX/XX/XXXX. Balance reported from XXXX XXXX XXXX reports XXXX. High credit reports XXXX  XXXX and XXXX  reports XXXX. Past due balance is reported by XXXX XXXX XXXX reports XXXX. Payment status reports from XXXX current while XXXX  reports late 30 days. Comments are different XXXX reports credit card amount in h/c column is credit limit XXXX  and XXXX  have nothing reported. Date last active XXXX  reports XX/XX/XXXX XXXX  reports XX/XX/XXXX and XXXX reports XX/XX/XXXX. 

All three credit reports have reported multiple times inaccurate information. 

navy FCU and the credit bureaus should be reporting validated and accurate information pursuant to FCRA which they have not done in this case

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ERC took possession of the debt XX/XX/16 amount owed {$670.00} ... Original creditor was XXXX ... Account paid but still showing on credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, TRANSUNION AND XXXX  HAS SOME ITEMS ON MY CREDIT REPORT. THAT ARE INACCURATE/NOTMINE/FRAUD. THAT THEY REFUSED TO REMOVE OR DELETE.

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 2018-02-13
Company: Blackhawk Network Holdings Inc.
State: MN
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:
Purchased an item with a {$30.00} rebate advertised. Received the item and applied for the rebate. Rebate was approved and after a 2 month delay, I received and activated the debit card. The problem is the expiration date was less than 12 months from the receipt of the debit card. 

Two attempts to contact the phone number on the card and website only indicated that the card was expired. 

Is it legal to expire a card with less than 1 year from date of receipt? 

The card is issued by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA, XXXX. Activation was by XXXX. 
Card number XXXX XXXX XXXX XXXX The card is a XXXX Debit. 
In the rear of the card, top left it indicates XX/XX/17

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Experian Information Solutions Inc.
State: MA
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:
Please investigate and remove fraud accounts.I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible. 

XXXX opened XX/XX/2017 account number XXXX XXXX XXXX account number 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 2021-06-29
Company: EQUIFAX, INC.
State: OH
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 MADE A NUMBER OF ATTEMPTS FOR EQUIFAX TO REMOVE A ERROR ON MY REPORT OVER A YEAR AGO, AND THEY REFUSE TO REMOVE THE ERROR. I DISPUTED A BANKRUPTCY AND A NUMBER OF ACCOUNTS ALSO INQUIRIES ON MY EQUIFAX CREDIT REPORT AND THEY DIDNT INVESTIGATE THE ERRORS, THE BANKRUPTCY CASE # XXXX I AHVE DISPUTED WITH EQUIFAX AND THEY TOLD ME IT WAS VERIFIED BY XXXX, WELL XXXX FOR THE PASS YEAR SENT ME LETTERS SHOWN ME THAT THEY REPORTED THIS AS A ERROR TO EQUIFAX MORE THEN 7 TIMES, EVERYTIME I DISPUTE THE ERROR EQUIFAX TELL ME THEY VERIFEID THIS WITH XXXX WELL THIS CANT BE TRUE XXXX SENT EQUIFAX LETTERS TO REMOVE THIS BANKRUPTCY AND YET EQUIFAX HAS NOT ALSO ACCOUNTS AND INQURIES. 

Bankruptcy # XXXX ( NEED TO BE REMOVED DUE TO ERROR XXXX HAS CONTACTED EQUIFAX A NUMBER OF TIMES TO REMOVETHIS BANKRUPTCY ) XXXX XXXX  ( OPEN, NEVER LATE, XXXX BALANCE THIS ACCOUNT IS ACTIVE NOT CLOSED ) THIS ACCOUNT SHOULDNT BE REMOVED BUT UPDATED XXXX ( REMOVE DUE TO ERROR ) BALANCE, DATE OPEN, DATE CLOED, STATUS. ACCOUNT NUMBER, REMAINING BALANCE, LAST PAYMENT, XXXX ( REMOVE DUE TO ERROR ) BALANCE, DATE OPEN, DATE CLOED, STATUS. ACCOUNT NUMBER, REMAINING BALANCE, LAST PAYMENT, XXXX XXXX XXXX ( REMOVE DUE TO ERROR ) BALANCE, DATE OPEN, DATE CLOED, STATUS, ACCOUNT NUMBER, REMAINING BALANCE, LAST PAYMENT, XXXX XXXX XXXX ( REMOVE DUE TO ERROR ) BALANCE, DATE OPEN, DATE CLOED, STATUS. ACCOUNT NUMBER, REMAINING BALANCE, LAST PAYMENT, XXXX ( REMOVE DUE TO ERROR ) BALANCE, DATE OPEN, DATE CLOED, STATUS. ACCOUNT NUMBER, REMAINING BALANCE, LAST PAYMENT, XXXX ( REMOVE DUE TO ERROR ) BALANCE, DATE OPEN, DATE CLOED, STATUS. ACCOUNT NUMBER, REMAINING BALANCE, LAST PAYMENT, XXXX XXXX XXXX ( REMOVE DUE TO ERROR ) BALANCE, DATE OPEN, DATE CLOED, STATUS. ACCOUNT NUMBER, REMAINING BALANCE, LAST PAYMENT, XXXX XXXX XXXX ( REMOVE DUE TO ERROR ) BALANCE, DATE OPEN, DATE CLOED, STATUS. ACCOUNT NUMBER, REMAINING BALANCE, LAST PAYMENT, XXXX XXXX XXXX ( REMOVE DUE TO ERROR ) BALANCE, DATE OPEN, DATE CLOED, STATUS. ACCOUNT NUMBER, REMAINING BALANCE, LAST PAYMENT,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am writing this letter because I have tried numerous times to request a credit limit increase for both cards of the Capital One cards I own. I have a Kohl 's store card as well as a Capital One card. After having both cards for nearly 2 years, I have not had one credit line increase, on either, even with my income increasing. I do not believe proper investigation or consideration is being done when requesting online credit increases. I know this for a fact because I requested a credit line increase less than a week ago and today, XX/XX/2018, I received a letter stating that one of my Capital One accounts was recently 60 or more days past due. In this case, I have pulled my reports from XXXX, XXXX, and XXXX to show that this statement is false. I would like for this company to please take that time to reconsider my account and increases. 
All personal information has been blacked out due to privacy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-13
Company: Freedom Mortgage Company
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage bough out my existing home loan in XX/XX/XXXX. My property taxes, which are to be paid from escrow, were due XX/XX/XXXX. It is now XX/XX/XXXX, 135 DAYS LATE, and my taxes have not been paid. 

It appears, from reviewing an escrow statement, that when they took over the loan, someone there royally screwed up and did not even calculate the property taxes in my escrow account. This is their fault. 

The county revenue commissioner has sent a certified letter to me that states my property will start advertising in two weeks for a tax sale. 

I have talked to numerous people at Freedom. I called mid XX/XX/XXXX when I realized they had not made payment and was promised it would be handled by end of XX/XX/XXXX. 

These people have mismanaged my funds and have breached contract. I have never been late on a payment I expect the same from them. This morning I was promised it would be paid by close of business today but doesn't look like that is happening, either.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Experian Information Solutions Inc.
State: AR
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 sent me an email that it looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items from my report. 

XXXX  XXXX {$7000.00} XXXX XXXX {$26000.00} XXXX XXXX {$22000.00} XXXX XXXX {$200.00}

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 2021-09-14
Company: AFNI INC.
State: MA
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 ( XXXX, XXXX XXXX XXXX XXXX add a derogatory mark on my credit report per XXXX  XXXX. Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency Name has violated my rights as a consumer and I'm requesting legal action to remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NV
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I pay all my payments but now they are paying me ghostly charges that I do not know what that {$260.00} colleague is and they say that if I do not pay them they will send me to collection and I do not know what to do because I paid too much for the ( Breach ) of 2017 of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account approximately a month ago at Bank of America that was setup with direct deposit. On XXXX I attempted to withdraw from an ATM and was unable to do so. I was told I would have to contact BoA the following morning. On XXXX BoA informed me that my account is in the process of being closed and my funds are unavailable for unknown reasons. BoA has not provided a valid reason for the erroneous closure nor returned my funds in a timely manner.

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 2021-04-12
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
we attach two complain we start before but the process start on XX/XX/XXXX the BBVA USA start to ignoring my petition to cancel the PMI insurance. we do a process 3 year a go and denied and from the last 18 month be I was ignored and I am not given the service that I deserve as a customer I has evidence for the process from XX/XX/XXXX. 

Last month they cancel the PMI after two complain with CFPB but for us the situation is Half solved XXXX the result was that they were left with {$2500.00} for all that month we are waiting for his employee doing his job. 

They were not responsible for the inefficiency of their employees ... ... .They delay the process so that the client pays more and they play XXXX as if one did not know what they are doing. attached you have the two complain and the appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: Accelerated Receivables Management, Inc.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I contacted his collection company about a debt they said I owed. They never contacted me, I was updated my credit information and got an alert that a collection was added to my credit report. I immediately disputed that claim via on line. I then received a letter in the mail a few weeks later from the collection agency. I sent a certified letter to their company for them to validate this claim on XX/XX/XXXX. Today I received a letter from some attorneys office, with a letter attached with information they are claiming is mine and from me. It has a address that Ive never lived at, a phone # that is not mine and a email that was hatched years ago and is no longer in use. I called this company and the lady who answer, answered like it was her personal phone and not and attorneys office. She did not tell me who she was, or who she worked for. Only when I said I received a letter from some lawyers office is when she asked me my name and address. I then explain to her this is not my debt, Ive never enrolled in a training class online. She did says well I got the information from them and its you and we can settled with a payment. I said this is a identity theft and Im reporting your company. She then says, it was a XXXX dollar payment paid at enrollment but was declined. I explain to her why would I sign up for a online school, that requires XXXX dollars and it get declined. I said I had fraud alrert put on my social security number as well as my bank account and bank cards, that email and address is on the black list and my information was sold. I explain I will have my lawyer deal with this because Ive had this same company try to get money years ago doing the same thing. That was also proven to be fraud. She then say get your lawyer and we will deal with them too.

Company response to consumer: Untimely response
Consumer complaint received 2021-09-14
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I attempted to pay for a t shirt to a XXXX of an elementary school. I mentioned a name in the notes for the order and now PayPal is asking for the date of birth of that name that is not affiliated with my account. They are refusing to resolve the transaction until I provide this unnecessary information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-30
Company: GreenSky, LLC
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
They are extremely rude on the phone and hassle me at all hours of the day. Starting from XXXX XXXX to XXXX XXXX or earlier or later.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage account was recently transferred to Flagstar Bank ( acct XXXX ). I received a notice that my escrow account was short and that my payment will increase by {$150.00}. I called and spoke to a customer service rep with Flagstar and was informed that its their policy to have a cushion of 2 months for taxes and insurance. I am aware that according to 1024.17 ( c ) it states that the servicer " may '' require the borrower to pay additional monthly deposits or do nothing. " May '' is the key term meaning that the servicer can be consumer friendly or not. By allowing my mortgage payment to increase XXXX XXXX  monthly could potentially put me in a delinquent status which could cause other issues that I do not want to incur.

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