BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-09
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Have tried to contact XXXX by phone, none of phone number s given in statement are no longer working and website giving me " oops '' mess. I wanted to ask questions about my account and CAN NOT reach a single person. Is this company even a legit company. Have I been scammed?

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 2019-11-08
Company: Experian Information Solutions Inc.
State: WA
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 was applying for a loan and was notified that Experian had the incorrect birthday on my account. I called Experian and submitted a dispute on XX/XX/2019 which I was told was resolved. I never received a mailed report of this resolution. I tried to log in on-line but was told that there was a problem with my account and could not log in. I called the number listed ( XXXX ) and spent an hour going through the automated system twice and the automated system told me that I could not access my information despite entering all my information correctly. I was instructed by the automated system to send a letter, but was not provided an address, and do not have time to write a letter before XX/XX/2019 when the dispute resolution will be unavailable. This is unacceptable and I am not able to speak with a human being. There is no recourse either on line or by phone. I am not able to speak to a person. I am requesting for the company to do the following ; 1 ) contact me in person to let me know about the dispute resolution, 2 ) provide me access to my account on-line.

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 2017-12-13
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am a XXXX XXXX who pd. my XXXX daughter 's XXXX " pay as you go '' phone bill of {$42.00} ( due XX/XX/XXXX ) on XX/XX/XXXX to be received by XXXX on XX/XX/XXXX via my U.S. Bank bill pay acct. 
XXXX disconnected my daughter 's phone on XX/XX/XXXX for non-payment. She had to pay {$42.00} cash @ a local XXXX store to get her service re-activated ( DOUBLE PAYMENT. ) Due to the forced " Double payment '' by XXXX, I stopped payment on my payment to XXXX with U.S. Bank. 
U.S. Bank claims they mailed a check to XXXX as they do not have a bill pay relationship with them, that was cashed by XXXX and provided me a copy of the cashed check. 
I requested a refund of my {$42.00} from XXXX. They claimed they never received the payment. 
Over the past month, I have been run in circles by U.S. Bank & XXXX. 
I sent emails to U.S. Banks. I phoned both U.S. Bank & XXXX on numerous occasions, only to be transferred to multiple reps in multiple depts. then told they can not help me. They point the finger at each other. 
My last phone call was a conference call initiated by a U.S. Bank rep w/ XXXX after claiming XXXX would not talk to them about my acct. After being transferred numerous times, the XXXX rep instructed me to go into my local XXXX store claiming " only a local XXXX store can help you. '' When my daughter & I went into the local XXXX store, just as I had expected, the rep was unable to help me other than to tell me the only XXXX payment that showed up was my daughters {$42.00} cash payment. He phoned XXXX, only to be transferred 5 times & getting nowhere. 
It is despicable that U.S. Bank would not take responsibility for " losing '' my payment ( for the 4th time in one year in the total amount of nearly {$6000.00} ) and credit my acct. the {$42.00} " in good faith '' as I have been a longtime loyal customer for approx. 10 yrs., since I entrusted them with my money to pay the XXXX bill. 
It is just as despicable that XXXX would " steal '' my payment, then disconnect her phone & force her to pay a 2nd time, since I was a longtime loyal customer of theirs for approx. 20 yrs. 
DOES U.S. BANK & XXXX NEED {$42.00} THAT BADLY THAT THEY WOULD COMMIT FRAUD & THEFT AGAINST A XXXX XXXX & XXXX ADULT? 
I want my {$42.00} back!

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 2022-12-01
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I appreciate you if you taking the time to CORRECT some of the information in my credit file ; however, there are still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ).

as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I hope this disputed account is updated. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX Open Date XX/XX/2015 Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: Receivables Performance Management, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2019 XXXX hired a collection agency to come after me. I paid the settled amount that the debt collector and XXXX  agreed on. The email says that XXXX agreed to waive the XXXX and I could pay the remainder. Thats what I did. Now XXXX  says I owe them XXXX. I have the email that says XXXX  agreed to waive this amount. I settled the debt and paid it.

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 2018-08-10
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2018 I received a payment in my PayPal account for a item I sold for {$370.00}. PayPal promptely put a hold on the funds for 21 days. On XX/XX/2018 the money was realeased to my PayPal account. On the same day I transferred the money into my checking account at XXXX XXXX. I was then told by PayPal there would be another 24 security hold before the money was transferred. Today XX/XX/2018 the money was still not in my XXXX checking account and my PayPal account is showing a XXXX  balance.I called PayPal and was told that the money was in a clearing house and it would be another 5-7 business days before it would get to XXXX XXXX. We are now looking at at least a month to get my money. And PayPal keeps changing the story. Since the money is not showing in ether account, I can only conclude it was stolen by PayPal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15
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:
This is my continued endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX XXXX/XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account was paid in full in XXXX, 2019 in the amount of {$3800.00}. I have attached a copy of my checking account log verifying payment of same. This incorrect reporting is harming my credit score and this line item needs to be updated to report accurately. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.

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 2018-10-16
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
My employer loaded my direct deposit to my American Express Bluebird card on Sunday, XX/XX/2018. As of today, Tuesday, XX/XX/2018, my direct deposit has not been released to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Radius Global Solutions LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

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 2019-05-08
Company: Conn's, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Con furniture store did a hard credit check when I was told they were doing a soft one.It even states on their web site they do soft ones only

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My Identity was stolen By a unknown Identity theft all account open by this unknown theft was listed in this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
I have not been approved to the two companies and want it off my hard inquiry because I dont want it effecting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My husband and I own a joint savings, and 2 joint checking accounts with bank of america. I am the primary on one of the checking and he on the other. On XX/XX/2019 I got a notification that our savings was below {$25.00} so I quickly logged into our account to see very unusual activity. The activity consisted of {$1900.00} transfer from our joint savings to the checking account where he is the primary account holder. I immediately called in to Bank of America to report this. The {$1900.00} that was transferred into the checking was then moved out of our account via XXXX transfers of {$100.00} each, ( 19 transactions in total I believe it was ). Whomever was in our account then went back into the savings and completed 2 or 3 more {$100.00} XXXX transfers. All of these transfers went to names that both my husband and I do not know nor did we authorize them. Bank of America put an immediate hold on our accounts at this time and told us to visit a banking center the following morning as it was close to their closing time. 

Saturday, XX/XX/2019, my husband and I visited the bank of america banking center in XXXX, NH at XXXX. We met with an employee there and he worked on our accounts for the next 2 hours. We closed all 3 of our accounts and were issued 3 new accounts ( 1 savings and 2 checkings ). We were told that our fraud investigation would conclude on Thursday, XX/XX/2019. They agreed that these transactions looked very fraudulent as we could not even begin to pronounce the names listed and we have never once used XXXX before. 

I called the Bank of America fraud department for check ups numerous times to ask if there is anything we can do as our mortgage is now going to be late ( was due XX/XX/XXXX ) and other bills are now started to be late as well. They assured me the investigation would be completed by XX/XX/XXXX. Sure enough it is the end of the business day on XX/XX/2019 and we still are missing a ton of money. I am on unpaid maternity leave in 2 weeks and need to this figured out immediately. We are now going to ( according to bank of america ) be stuck with late fees for the payments we can not make since our money is missing for over 2 weeks.

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 monetary relief
Consumer complaint received 2021-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Trans Union put a credit freeze on my credit report and I made several attempts to resolve and remove the freeze and they have refused to comply.

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 2023-04-10
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Ive reached out to Navy Federal XXXX of XXXX, and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX  and have gotten no response. I was a victim of fraud and I explained this to the company along with making a police report and sending in the police report information and it was rejected. Ive called on several occasions and no one has listened to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: EQUIFAX, 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:
This account is paid on time. I need to see all bank transactions and statements that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payments immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 loan payments were always sent on time. I keep explaining this to XXXX and Transunion but they keep on saying that the accounts are accurate and they have verified it..The accounts were not reported correctly and I would like it fixed! Please correct the status because I was never late on my 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 2021-01-24
Company: EQUIFAX, INC.
State: NJ
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:
My XXXX  credit report shows that I have good score and excellent payment history, However I always got denied for credit cards when the creditor runs my credit report, I have some credit cards with some banks I had them for 2 years and my payment history is great however my credit score doesnt grow even I have been using my credit cards responsibly and paying on time and never been late at the last 2 years, My XXXX  credit report doesnt show my payment history Also I have accounts went for collection that I have paid it already and still shows as I owe them money, such as XXXX XXXX, XXXX XXXX  XXXX XXXX credit card I need your help as I need to know what is going on my credit report when I check my credit score it shows that I have a score of XXXX Which a good score however the collection still shows on my reports despite I have paid already.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: CCS Financial Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CREDIT COLLECTION SERVICES have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of XXXX about an alleged debt. 
4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you.

5. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 6. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 7. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 8. Violated 15 USC 1692e ( 8 ) ; Communicating false information 9. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 10. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 11. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 12. Violated 15 USC 1692f ; Unfair Practices attempting collect an alleged debt.

13. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.

14. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 15. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 16. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge.

17. Invasion of Individual and Family Privacy For an attempt to collect a debt in the amount of : {$200.00} {$18.00} {$97.00} {$45.00} {$430.00} {$38.00}

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: DISCOVER BANK
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:
I am submitting documents detailing the correspondence and inaccuracies that have yet to be corrected by Discover.

Company response to consumer: Closed with explanation