BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-02
Company: AMERICAN EXPRESS COMPANY
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I could not log in my Bluebird American Express card to check my deposit from my employment. I called Bluebird customer service, and was told my account has been suspended permanently. I asked why, and I was told for unemployment fraud. The customer service representative told me I had to call the unemployment office. I called the unemployment office and spoke to XXXX XXXX at the XXXX KY office location about the issue. XXXX researched my account and found no evidence of any fraud. I call XXXX Bluebird customer service back and told them the finding. The customer service representative stated I had to call corporate office, but I couldnt get the number. I had money on my card. I just want my money returned to me. I do not want anything to do with Bluebird services. I had been a customer with them for 7 years and never had any problems.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-15
Company: TRUIST FINANCIAL CORPORATION
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
I have been penalized from BB & T Bank with my credit card card account being closed due to unauthorized payments / purchases when my account had been taken over due to Identity theft. Instead of changing the account number BB & T closed my account and banned me from the bank that I always paid o time and in full. Also BB & T hasnt updated my credit report balance as of XX/XX/2020 with XXXX showing a balance of {$6300.00} and XXXX a balance of {$5200.00} and XXXX with a balance {$100.00}.

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 2019-01-02
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
On XX/XX/17 I submitted complaint number XXXX in regards to XXXX XXXX XXXX. This is an old, re-aged debt that was found not to be verifiable several times by multiple investigations, the last one being the above complaint number. This complaint is against Experian as they have added a debt to my account that hasn't been verified, has been deleted several times, and not once has the reporting agencies followed the fair credit reporting act and VALIDATE the debt before adding to a credit report. This debt can be verified and this is way it continues to be deleted. You will see in the above complaint number that this debt was already deleted once.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I started receiving phone calls from a collection agency, Portfolio Recovery Associates, LLC. regarding a credit card that according to them was opened about 5 years ago. I informed the collection agency that the debt was not mine and I had no knowledge of the debt they were referring to. I informed them I have no idea who they are and that I never had an account with them. I advised them to send me documentation of what they were referring to. I received info from them that they bought an account in my name from XXXX XXXX. I have never had an account from XXXX XXXX and again they were told that this is not my account and I am disputing this bill. I asked them to provide any kind of information ( check payments, my signature etc. ) to prove this is my account. The only thing they sent were bills in my name. I have repeatedly asked for more proof but have not gotten any. I keep telling them I do not owe this debt and I have no knowledge of this debt -- -- -it is not mine!!!!! I am constantly being harassed by this company after I asked them to stop. I believe based on the FDCPA laws they are breaking federal rules. I am receiving harassing phone calls practically every day. They have put the collection on my credit reports. I have repeatedly disputed this bill to no avail. I need this to be removed from my credit reports as this is reporting negatively against me. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-03
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:
one XXXX BANK ACCOUNT NUMBER XXXX date opened XX/XX/2017, this account is not mine, and is reporting under my equifax credit report. i have disputed many times and they have been playing me around, they keep saying it has been verified, the creditor itself does not have this information i don't even know where they have verified with, please i will be attaching my police report, i have provided this to equifax as well, i need your help to removed this from equifax credit reports thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: Texas Guaranteed
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? As previously pointed out to you, XXXX Law Dictionary, 6th Edition, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Shellpoint Partners, LLC
State: FL
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:
Hi! 

- Was working a forbearance plan with XXXX XXXX XXXX for few month. 
- Right almost at the end of the plan when I was about to start making payments again, my loan was transferred to another servicer " Shellpoint Mortgage Servicer ''. 
- We applied again for the continuance of the forbearance for few more months, and right in the middle of the application and even within the 60-days of transfer of servicers protection they reported me delinquent. 
- Transfer of servicers rights happened on XX/XX/2021 and I was never ever able make payments to the new servicer via the web or the app as my loan was locked due the current forbearance with the previous servicer. 
- Bottom line I was locked for payments, applied for new forbearance and home help, they replied and asked for more documentations, and regardless of this, and besides the 60-days protection for servicer transfer protection they still reported me delinquent for XXXX ( late 120 days ) to the credit bureau hitting me with over 200 points negatively in my score. 

Also the number of days delinquent is wrong!!!! They are reporting 120 days ... .or hey are really missing some payments from previous servicer. 

Can you please help? they don't listen or want to help or advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: DISCOVER BANK
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Applied for new loan XX/XX/XXXX with very new permanent address for borrower and cosigner. Had to send verification of address and identity. They rejected serveral documents that were on their list. Made a call to them on XX/XX/XXXX to resolve and felt like we were on the right track. Got another email saying action was still needed and called again Sunday XX/XX/XXXX. During that call I accepted my interest rate and accepted my loan. I was informed it was now up to the school for dispersion. Yesterday we received a call that action was needed. At this point we should n't need any action as you can not accept the loan unless all parts are there. Not the case. I had to upload another document and correct the address once again. If the address was different you think they would have mentioned or noticed. While every representative was polite and as helpful as they could be, I am very displeased with discover. It was a long and frustrating process that was unnecessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: NAVY FEDERAL CREDIT UNION
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 belongs to someone else

Complaint:
Reporting inaccurate and unverified information on my consumer reports which is harming my reputation as a consumer and hindering my ability to make necessary banking transactions. Reporting alleged debt of {$22000.00} allegedly owed to XXXX XXXX XXXX. Reporting alleged debt of {$1100.00} and {$2800.00} allegedly owed to NAVY FEDERAL CREDIT UNION. Reporting alleged debt of {$3300.00} allegedly owed to XXXX XXXX XXXXXXXX who I have no written contract with. Reporting alleged debt of {$1100.00} allegedly owed to XXXX XXXX who I have no written contract with. Violations of 15 USC 1692b ( 2 ) -stating that I owe debt. Violations of 15 USC 1692d ( 1 ) harming my reputation as a consumer. Violations of 15 USC 1692d ( 2 ) using obscene language that I, the consumer find abusive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: Experian Information Solutions 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 ; Experian and XXXX are reporting ( 30 ) plus days late on the XXXX XXXX   partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account was paid in XXXX, 2019 and the lates are reporting in XXXX, 2019. Please keep in mind that it is impossible to have late payments on an account that was paid off a month prior. This incorrect reporting is harming my credit score and this line item need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful.

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 2019-05-03
Company: Experian Information Solutions Inc.
State: FL
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:
Accurately I am ask the credit bureaus to report and correct the problem however they have not been able to number one send me a fresh reported the method of verification on how they investigated the accounts these accounts are reporting accuratelyBasicallyThe date of last activity in the amounts don't match my records need these accounts investigated or deleted from my credit report I am asking that you XXXX proof that these accounts were not investigated properly thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-03
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Recently my mortgage was transferred from XXXX to Carrington Mortgage Services. Carrington did a escrow analysis dated XX/XX/19 which showed a shortage of {$710.00}. My property taxed and homeowners insurance did not change. My property taxed are paid in XXXX and XXXX. Before the loan was transferred XXXX paid the XXXX property taxes. The escrow analysis by Carrington shows them paying the taxes in XXXX and XXXX. I do not understand how they can pay the taxes in XXXX when the tax bill does not come out until XXXX. I believe that by showing an additional tax payment being made in XXXX that is causing my shortage. My monthly payment is going up $ {$59.00}. I do not understand why it is going up so much if nothing changed. After spending hours on the phone with Carrington they did agree to redo my analysis. I have little faith in them. I confirmed with the county treasurer when the tax bills are due. Carrington told me they send the payment in XXXX so it gets there on time. I find it hard to believe that in this electronic age it takes 2 months to get the payment sent. They do not seem very competent. They also told me that the county would refund me if there was an overpayment, which the treasurer said is not standard procedure

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: Nationwide Financial Group
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a Debit Card in the mail from XXXX XXXX with instructions to activate the card over the phone. I have never opened an account of any kind with XXXX XXXX, online or in person, so I called the number on the card to adv ise it had been sent to me in error. First contact with the Card servicer was ineffective, and I was told that I could activate the card or call the bank to complain. I repeatedly told the representative that the card was fraudulently opened and that I wanted it closed. Second contact with the Banking Center resulted in disputed transaction affidavit and indication that I would not be credited my 'money ' until I returned the form. Still nothing acknowledged about the account being opened without my consent. Third contact resulted in an indication the account would be 'closed properly ' only when I completed my affidavit with 'whatever information I had '. As of now I do not know if someone has opened this account to launder money or commit some crime, and I am supposed to pay for a notary to complete a form for which I have no information. I do n't know the account number that was opened but I was able to determine the personal information is correct.. As instructed I have destroyed the card I received. Nationwide obviously did not require a physical copy of any sort of ID during the Account Opening process, and has allowed a transaction account to be opened in my name without my consent in written or electronic format.

Company response to consumer: Untimely response
Consumer complaint received 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX XXXX, that you investigate these accounts. 



XXXX XXXX. XXXX, XXXX I never made a late payment on this account, please correct. XXXX XXXX I never made a late payment on this account, please correct. XXXX XXXX I never made a late payment on this account, please correct. ACCEPTANCE NOW XXXX I never made a late payment on this account, please correct. 

I understand that failure to investigate these accounts within a period of XXXX days will result in non-verification which requires that the above accounts be immediately removed from my credit file. I also understand that the Fair Credit Reporting Act specifically XXXX XXXX sections XXXX ( XXXX ) and XXXX requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. Thank you for your time and attention to this matter. I look forward to hearing from you soon.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-06
Company: ID Analytics, Inc.
State: IN
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: Problem getting your free annual credit report

Complaint:
I applied for a car loan through XXXX bank. I was denied because my XXXX XXXX credit score was too low, however my score with the 3 MAJOR credit bureaus is 250 points higher than that reported by XXXX. In order to get a copy of my credit report from XXXX, they want me to send in copies of very personal documents which I am not comfortable sending to them. I believe it is just another way for them to gather my personal information in a highly illegal manner. I want all of my personal information held at XXXX to be immediately and permanently deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: Prosper Marketplace, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DEFAMATION OF CHARACTER Notice of pending litigation seeking relief of monetary damages under FCRA Section 616 + Section 617. Final written attempt to amicably resolve your continued willful violation of the Fair credit reporting act regarding your refusal to delete all of the UNVERIFIED/INACCURATE account information from my consumer file. Despite my three written request items listed still remain on my credit report in violation of Federal law. In the results of your reinvestigation you stated in writing " VERIFIED '' that these items are being " Reported Correctly ''. You still have not identified who verified accuracy and how the accounts were verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
previous compliant XXXX Where is the method of verification with my original signature on it to support these accounts. This is fraud if you can not supply then these must be deleted asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: Hollis Cobb Associates
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I received a phone call XX/XX/2019 about an old dept that has been paid or is not real. The company refused to give me an address or any details other than the company name XXXX and my caller id got the phone number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: TFS FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have filed home scam case against Third Federal Savings and loan with CFPB, and others. I did not get home scam determination report from the government yet. HUD is saying something bad happened to my home and I should see a lawyer. Please investigate and provide me the actual report so I can refinance my home through HUD. Powerful and influential people are behind this home scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Savgs act opened in XXXX was abruptly closed in XX/XX/XXXX without notification. Bank sent us check for XXXX balance. Check lists our children as trustees. We did not remember listing them as trustees and 37 years later do not want them as trustees. We can't cash or deposit this check. Even bank of America won't cash or deposit. We have been putting money in this account for 37 years and now account abruptly closed without notification and no way to cash check bank sent us.. XXXX XXXX client advocate in  bank of America office of the president on case # XXXX told us to XXXX XXXX the check to their XXXX XXXX by mail location. Cost me XXXX. But check returned to us " unable to deposit ''. Now XXXX no longer returns our phone calls.

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