BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-22
Company: BBVA FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have had several transactions decline on my debt card this week ( since Monday, XX/XX/XXXX ) and called the bank today to find out why. The first customer service agent hung up on me after a 15 minute hold without any answers. The second agent I spoke with was a BBVA rep who claimed to have no access to my account. The third and fourth agents I spoke with told me my account was being " investigated '' by their partner, BBVA, but neither agent was able to offer an explanation as to why my account is being investigated nor could they give a definitive answer as to when my money would be available. They also could not give me a deadline for when this information would be available to me, they could not explain why I was not notified that my account was under investigation or how long it would take, and they refused to escalate the call or put me in contact with the team that is investigating my account. In addition to denying me an explanation and access to my account, they also refuse to close the account or allow me to transfer any of my money to another bank. While I was typing this I received a support message that my account was under investigation for fraud ( support message attached ). This was absolutely unacceptable and banks should not be allowed to hold customer fund without any explanation for any period of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently received a copy of my XXXX, Equifax and XXXX consumer report and I noticed some inquires on my consumer report that I did NOT authorize and NOT attached to any open accounts. 
XXXX XXXX XXXX - XX/XX/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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: Arivo Acceptance, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX the loan company took out 2 car payments The second one was done without my authorization. When I called them, they said they would issue credit immediately, they did not. Called the next 2 days and still no credit. I called my bank and they credited my account and then debited back car company. Within 2 weeks, the car company credited my account and my bank credited them back. Every day since XXXX this company has called everyday or emailed they want their payment back. I explained my bank did give them it back. They called stating my loan was in default and I have refused to contact them. I talked to XXXX, XXXX, and XXXX numberous times and sent the documents they requested. Bank statements along with a letter from the bank stating they were refunded. Today, XXXX calls and says I am past due on my payments. I am not they are due on XXXX of each month. In XXXX, they tried taking an extra payment out of my bank account at the end of XXXX I emailed them stating this was done illegally for the second time. They continue to call and harass me and they have their money back from the bank. I told them not to call me during work times, and they continue to call and email. I need help

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-11
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
So I sent a letter on XX/XX/XXXX to remove personal information that i do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802 No one has my permission and I do not do business with these companies. 15 USC 1681 ( n ) These are clear violations to my protected consumer rights

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 2018-09-11
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: Account information incorrect

Complaint:
XXXX XXXX is attempting to collect a debt without verifying its accuracy. XXXX has misapplied funds that were paid on my account and I have requested a payment history several times so that I could match my payment. I have not to this date received them.

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 2019-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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:
During the time frame of XXXX and XXXX there was 2 credit cards opened ( ending XXXX and XXXX ) with CAPTIAL ONE without my authorization. 
There was 3 credit card accounts opened without authorization from XXXX XXXX. 

When I moved back in my primary residence, this is when I found out about the accounts by letters that was being sent. I disputed the information with the credit bureaus and sent along a police report. I did received another letter stating no fraud was found and basically that was it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Nationwide Recovery Systems, Ltd
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Dear CFPB I was in the process of repairing my credit. I updated my address on my report, and I got this letter from XXXX XXXX XXXX on behalf of XXXX XXXX. It says I owed {$790.00}. I have no problem paying anything I genuinely owe. But on the letter, there was no original creditor. So I disputed the collection notice on XX/XX/XXXX, by mail. XXXX XXXX failed to respond. They just told me it was a " medical bill '' when I called and asked. So fast-forward to XX/XX/XXXX, I get a call while I'm at work from a collection company named " XXXX XXXX XXXX  on behalf of their client XXXX XXXX `` saying I owe {$790.00} from XX/XX/XXXX again, no notice in the mail. They told me to protect my credit and how I would make the payment. I asked who the original creditor I was told it was from urgent care, no name, then they left me on hold and never returned to the phone. I called back they hung up in my face. I was able to talk to a lady when I called back a 3rd time to get a collections account #.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have a consolidated loan which is currently in " repayment '' status with FedLoan Servicing. The consolidated loan consists of two loans which were consolidated in XX/XX/XXXX. Both loans began with zero payments made to each after they were consolidated. I joined FedLoan 's Public Service Loan Forgiveness program in XX/XX/XXXX.

With each bill I received, the qualifying payments for each loan in the consolidation were both the same, naturally. However, from XX/XX/XXXX to XX/XX/XXXX, a discrepancy in the number of qualifying payments ( I have attached copies of statements for both months ). In XX/XX/XXXX both loans in the consolidation showed as 19 payments for each. Then in XX/XX/XXXX, one showed as 16 payments while the other showed as 22 payments.

I contacted FedLoan as soon as I received the statement for XX/XX/XXXX and asked about this discrepancy. Not surprisingly, the customer service representative could not figure out the discrepancy either and put in a request to have it investigated. every 2 to 3 months I would call in to get a status on the investigation, only to be told that they are " still working on it. '' My last attempt at trying to get this resolved was XX/XX/XXXX. I was told again that they were " still working on it. '' I have attached a copy of this communication along with their response. After many attempts at trying to get this resolved over the past year and a half, I am reaching out to your organization for help. Please advise me on what can be done about this.

Your help is greatly appreciated!

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: NAVY FEDERAL CREDIT UNION
State: AL
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:
During the time frame of XXXX and XXXX there was 2 credit cards opened ( ending XXXX and XXXX ) with XXXX XXXX without my authorization. 
There was 3 credit card accounts opened without authorization from Navy Federal. 

When I moved back in my primary residence, this is when I found out about the accounts by letters that was being sent. I disputed the information with the credit bureaus and sent along a police report. I did received another letter stating no fraud was found and basically that was it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: Experian Information Solutions 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:
I was looking at my credit for the first first time in 5 years and I found fraudulent accounts on my credit report. 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 2019-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 a follow-up on my previous complaint to Transunion LLC. I am not happy that I have not received an explanation to my concerns on the previous compliant.

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 2017-10-04
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I saw that a collection showed up on my credit report from XXXX XXXX so I called the number on the credit report and asked them what was this {$410.00} debt that they put on my credit. They stated that it was a bill from XXXX XXXX from XX/2015 and I told them that i do not owe them anything and they stated that I did. I told them that I would be disputing this information. The very next business day, they call me at my place of employment. Now, at the time that I had went to XXXX, I had just been let go at my job so I was just trying to use my benefits by the end of the month so I could get anything covered that needed to be done. I went in for a XXXX XXXX and they told me that I had 5 XXXX and one might require a XXXX XXXX but they would try to save it. Please keep in mind that i had no XXXX since I was XXXX years old and I went to the XXXX faithfully. For this service, I had to pay my portion of {$670.00} and the rest was to be covered by insurance. I applied for XXXX XXXX and paid them {$670.00}. They supposedly saved my XXXX and gave me fill ins. Two months later, I started having sXXXX XXXX in my XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. XXXX called me stating that they had another portion of the bill that I needed to pay- something around {$120.00}. I explained to them that they did not fix the issue when I paid them the first time and that, now, I faced the dilemma of having to get a XXXX XXXX ( while then XXXX ) with no insurance, as I had only started a XXXX job at the time. I was very upset because I had to come out of alot more money after already paying them all of that money. The girl was supposed to talk to the XXXX about this. I never heard anything from them and then I get this collection almost 2 years later for almost 4 times the amount. I am very upset because I paid them for work that was unsatisfactory and they are trying to ruin my credit. Then, this company is calling my place of employment and finding information about me. I really need a resolution to this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: Kirkland Financial LLC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Third party company brought an alleged debt from another state dated 2012.

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 2019-10-11
Company: EQUIFAX, INC.
State: NC
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:
I tried to get a refinancing from a bank. They checked my credit score and found my credit score from Equifax is not available. I had a mortgage account which was opened last XXXX. On the credit report, it missed my mortgage account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: NCB Management Services Inc.
State: SC
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 a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Synchrony Bank for Lowes suddenly added security fees to my account. I never authorized this service. It is something you can sign up for through a lengthy process, which I never even attempted since the credit limit they gave me was fairly lowe when I opened it. They slowly raised my limit and then added this fee one day and I didnt notice until I was trying to figure out why my balance wasnt going down even though I was paying more than the mininum fee.

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 2018-12-04
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I submitted a request to lower my monthly payment. There were several payment plans presented and an option to have the lowest cost plan selected based on what I qualified for. I selected that option. Navient then put me into forbearance which I did NOT want or know would be one of the option ( assumed they'd all be one the presented plans - forbearance was not listed as one ) for three months. Now my new payment plan after three months is higher than what I was paying before.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
This is in continuation of the complaint filed on XX/XX/2019. 

Complaint XXXX We have not received any response to date. 
On the contrary Capital One has resorted to harassment, insult, extortion and intimidation. Please see the attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: EQUIFAX, INC.
State: NY
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:
I applied for a credit Line increase on my XXXX Double Cash Card. I have been a card holder for almost a year with a stellar payment history. I have exceptional credit, high score, very low utilization and not XXXX blemish on my report. My income is excellent as well. 

My request was denied via the e communications on XXXX website stating that I have too few valid credit references. This information was provided by Equifax. This is categorically incorrect. 

I contacted both Equifax and XXXX. Equifax indicated that they can see my entire credit file and I have excellent credit file, many credit lines and a perfect payment history. Also, they said that I do have a large credit file and perhaps transferring data to creditors has become an issue. I have to believe this is the issue since my decline was based on having to few credit references. 

When speaking to XXXX, my interaction with their rep was one of a dismissive posture. I explained Equifaxs issue with my credit file and that I have an extensive credit history, and excellent credit and it was outrageous to get a decline based on having only a few references. I asked could if she could pull either of the other Bureaus and she said no and that the Federal Government dictates what credit bureau can be used. Her hands were tied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: STATE FARM BANK, FSB
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:
none of the credit bureau have my number on the fraud alert XXXX aslo state farm is not showing on my get credit with XXXX it showed before and XXXX XXXX also XXXX XXXX   taking more than 30 days for my dispute and XXXX wont let me look at my credit even when i tried paying

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
Paypal is Stopping from doing XXXX transaction buying online or selling online.I dis like paypal but everyone on XXXX use them. 
Paypal says this to me, you perform certain tasks on your account. You will be able to regain access to these features once you've completed these. 
Reference ID : XXXX Upload a photo ID Completed Provide proof of your address Provide proof of your SSN Completed Give us your feedback -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Paypal i gave them Copy my Driver 's license, SS # Card, Now paypal making me give proof my address. 
Unbelieable.I spoken with many people they open up personal account never had to do what i doing. 
Paypal been treating me like XXXX10 years ago saying my SS # was not mine.Because they got employee there with my SS # .Paypal is XXXX XXXX company

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
after reviewing my credit report i saw that this creditor have leading and false information on my credit report, XXXX XXXX in the amount of {$10000.00},

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 2018-02-22
Company: Sabatina & Associates, P.C.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SABATINA & ASSOC PC Hello. 

Please see attached. 
RE : Acct/Ticket # XXXX I dispute this alleged debt of {$96.00} from early XX/XX/XXXX. 

Please confirm receipt and take action. I do not owe this alleged debt from XX/XX/XXXX, nearly six ( 6 ) years ago. 

Any other attempts to collect debt is a violation of FDCPA. 

- XXXX XXXX RE : Acct/Ticket # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Public Information Attorney ID : XXXX Current Status : Active Date of Admission : XX/XX/XXXX Law Firm : Other Organization : Address : SABATINA & ASSOC PCXXXX XXXX XXXX XXXX XXXX XXXX XXXX., XXXX Pennsylvania XXXX

Company response to consumer: Closed with explanation