BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax I have sent them documentation of police reports, federal document, dark wed usage of my personal information that has been going on sense XX/XX/2006. I requested many times that Eqifax validate to me a copy of an actual signed contract with my signature on it for XXXX XXXX. XXXX has refused to respond to my letters and faxs SO HOW CAN YOU EQUIFAX VALIDATE IT.XXXX XXXX is not a real investigation .I request actual signed contract sent to me I do not owe anything on this debt because I paid it to get if off my credit report Even tho it was not mine you are violating my rights by not sending your investigation to me or removing this from report .it is reported to the FTC also Equifax you say if I have any questions contact Vz enclosed is my tring to contact them NO LUCK that mean you didn't also

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is my numerous request that you adjust this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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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 2023-01-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In 2019 I received a bill from the original creditor and I thought nothing of it so I paid like anyone who has credit should. A few months later, I realized that what I was paying, was not mines. I had no idea what I was paying for, there was no cash advance, no description of a purchase I made, so I stopped paying. Because of that, this creditor has damaged my credit score, put me through severe financial ruin because the drop in my credit score over this. And when I request proof from portfolio, they send me documents that do not explain what the charges are for. When I mailed portfolio a letter, requesting information to verify and validate the account. This is all that they send me. They do not send me the receipts like I requested they do not send me the description of what was even purchased. They failed to send me proper documentation of what any of this stuff means. Because all that they are sending me is A paper with a transaction date with XXXX fees, and the name of the purchases are regular and the other XXXX is payments for XXXX months and the other is payments for XXXX months as well with a total of {$500.00}. There is absolutely no description for what these charges are for and for what they even mean.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19
Company: LD Holdings Group, LLC
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: Was not notified of investigation status or results

Complaint:
Case number XXXX was incorrectly closed without any action or resolution provided. The company illegally making the credit inquiry, XXXX, provided a blanket disclaimer that they were a third party and would audit Loan Depot 's permissable purpose. They did not provide any result or position on the matter. The case was closed without their audit resolution or intentions. I am requesting the issue be reopened until XXXX completes their audit and removes the false credit information or provides evidence that I applied for a loan -- evidence which does not exist. Loan Depot 's  telephone calls attempting to get me to refinance 3 months after my home purchase were 100 % rejected repeatedly. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
USAA has been applying my credit card payments incorrectly and charging interest for every purchase made with the card, in violation of the Credit CARD Act of XXXX. In XX/XX/XXXX, I transferred several credit card balances to my USAA credit card account with a promotional 0 % APR until XX/XX/XXXX. After the balance transfer was complete, my payments to the credit card account have been above the minimum due and paid for all purchases made. When I reviewed my statements since the beginning of the year, it is clear to me that my payments are not being applied in accordance with the Credit Card Accountability Responsibility and Disclosure Act of XXXX section 104, which states : " Upon receipt of a payment from a cardholder, the card issuer shall apply amounts in excess of the minimum payment amount first to the card balance bearing the highest rate of interest, and then to each successive balance bearing the next highest rate of interest, until the payment is exhausted. '' When I discussed my concern with USAA, the representative explained that only a portion of my payment went towards purchases and that the only way to not be charged interest for purchases would be to stop using the credit card. None of this was explained in the balance transfer agreement. The USAA representative also explained that there was no way to tell by looking at the statement how much my payment would have to be to not be charged interest for purchases. As an example to how my payments are being applied incorrectly : My statement dated XX/XX/XXXX shows that I was charged interest for {$250.00} for regular purchases. Also on this statement, I made {$380.00} in new purchases and payments totaled {$2200.00}. The next statement dated XX/XX/XXXX shows that I was charged interest for {$310.00} of regular purchases. My payments the previous month were {$2100.00} above the minimum payment due so there should be {$0.00} interest charged if my payments were allocated correctly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
There are two student loan balances on my credit report and one needs to be deleted because my loans were transferred to XXXX from debt of education aidvantage. The correct one that should be reflected on my account is XXXX the other one needs to be removed because it is providing inaccurate information showing a balance of XXXX when the balance is only XXXX, please remove that other account off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-06
Company: PENNYMAC LOAN SERVICES, LLC.
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I called penny mac usa Twice about this. 

I changed my payment account to savings ( instead of checking ) The payment was still withdrawn from checking even though I modified payment week in advance. This caused overdraft and payment wasn't applied Tried calling 2 times about this. Even escalated to management. Worried about fees/impacted score but the Company was too incompetent to rectify their mistake on the phone. 

Looking at legal options to formally notify them and have someone competent fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have a Reliacard though US Bank that my unemployment funds from COVID-19 while I have been out of work due to the virus. Back in XXXX I tried to use my card and it would not authorize. I went on my bank account online to see why this was happening and I found ~61 unauthorized transactions on my debit card that occurred in states that I have never been to. I live in Colorado and receive my benefits here. These fraudulent transactions occurred mostly in Ohio, and Illinois. The majority of the unauthorized transactions occurred at either XXXX, XXXX, or XXXX XXXX and almost every one of them is for the amount of {$20.00}. Overall I had around {$1300.00} stolen off my card. Many of them happened within minutes of each or at the same exact time at different stores. Some of these stores hours apart but processed at the same time. The dates these transactions occurred with XX/XX/2020 through XX/XX/2020. As soon as I noticed this fraudulent activity on my card I called the bank and notified them on XX/XX/XXXX, did not use my card after that, and requested a new card in the mail. I was told there would be an investigation and it would be resolved within 90 days. Low and behold it took the approximately 85 days to send me a letter in the mail saying that they found all the transactions to be legitimate. I was blown away by this as if you look though the statement even a child would realize that there was clearly suspicious fraud activity on my card happening out of my state. I never actually lost the card so I am unsure how my information was stolen but it was. I called US bank again upon receiving their letter and told them that I was not going to accept this resolution and that I demand getting my money back as this is my unemployment only that I am living off of during these tough COVID times. A supervisor said she would send in the dispute but does not know how long it will take to get through the system again. It has been 2 weeks now since I called to dispute their incorrect resolution. I am still missing all that money and have not heard a word through phone, mail, or email from the bank. That is why I am reaching out to you to help me get this resolved.

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 2020-11-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received my investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
These social security numbers associated with me are inaccurate and neeed to be REMOVED from my credit file immediately XXXX XXXX XXXX -- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: EQUIFAX, INC.
State: AZ
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 recently checked my Credit Score and noticed it was a lot lower than I thought, upon reviewing my Credit Report, I noticed there were items reporting to my Credit that I did not open myself and that there was incorrect information reporting as mine. I sent in proof of my identity, I have made calls, I even filed a report for identity theft. The items still haven't been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I contacted XXXX to conduct a fraud investigation for a loan that was taken out in my name. In XXXX, I submitted their identify theft packet that included police reports, witness statements, signature samples and notarized documents to obtain financial records from my school and any other party deemed necessary. A through investigation wasnt completed on my behalf. They didnt request documents from the school in a timely fashion to verify how my schooling was funded. They failed to do a forensics investigation for signature comparisons and admitted they are not trained to do so. The rep handling the cases said although they looked similar he didnt believe it was my signature. 

They then began to question me as to why I didnt peruse this sooner, then wanted me to have the person who committed the crime to confess instead of doing the work on their end. This wasnt properly handled and Im being punished for something I didnt do or have knowledge of. The reason I believe they are unwilling to help is because the person that committed the crime is my mother. When I called to get an reason for the investigation to be closed, but they are unwilling to get the necessary document and information to complete the investigation without me sitting on the phone with them for hours to do so. That was the only reason I go answers about my school financial records.

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 2018-07-18
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: Information belongs to someone else

Complaint:
I contacted XXXX to conduct a fraud investigation for a loan that was taken out in my name. In XXXX, I submitted their identify theft packet that included police reports, witness statements, signature samples and notarized documents to obtain financial records from my school and any other party deemed necessary. A through investigation wasnt completed on my behalf. They didnt request documents from the school in a timely fashion to verify how my schooling was funded. They failed to do a forensics investigation for signature comparisons and admitted they are not trained to do so. The rep handling the cases said although they looked similar he didnt believe it was my signature. 

They then began to question me as to why I didnt peruse this sooner, then wanted me to have the person who committed the crime to confess instead of doing the work on their end. This wasnt properly handled and Im being punished for something I didnt do or have knowledge of. The reason I believe they are unwilling to help is because the person that committed the crime is my mother. When I called to get an reason for the investigation to be closed, but they are unwilling to get the necessary document and information to complete the investigation without me sitting on the phone with them for hours to do so. That was the only reason I go answers about my school financial records.

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 2020-07-10
Company: U.S. BANCORP
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: Account information incorrect

Complaint:
I applied for a {$1000.00} personal loan with my bank to try and establish credit because I supposedly have no credit history according to my banker. I met all the requirements and was denied due to the information provided by XXXX XXXX. I have on numerous occasions contacted them by phone dating back to 2015 stressing to them of how important it is to remove incorrect information from my credit report I faxed police reports to them and updated current addresses and phone numbers. To no avail. I am being discriminated against for being XXXX. I am being singled out due to not being 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 2020-07-10
Company: Shellpoint Partners, LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX. I purchased a townhouse in 2007 at XXXX XXXX XXXX XXXX XXXX, MN XXXX. I became aware recently that I had been charged PMI insurance for much longer than I should have been. 

I have requested in writing several times over the years to cancel my PMI insurance. I also called the different mortgage companies that owned the loan many times over the years to find out if I was still being charged and I was told that I wasn't several times. Most recently I called New Rez ... .and I just found out that I was still being charged until just a few months ago. 

I believe I have been overcharged by thousands of dollars.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I mailed the Experian requests to validate the debt on XX/XX/XXXX on XXXX I received a printout of account transactions but I never received the correspondence I requested. Since the validation was not executed as requested within 30 days the Credit Reporting agency was supposed to remove the debt from my credit file but they didn't remove the negative accounts. According to the FCRC reporting invalid inaccurate information to my credit file is a violation. The non-validated inaccurate accounts were supposed to be removed.

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 2023-05-11
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The company in question is Truist Bank On or about XX/XX/XXXX someone tried to make an unauthorized purchase of {$250.00} with my chipped debit card. The bank caught this and deactivated the card and issued me a temporary card on XX/XX/XXXX. 

On XX/XX/XXXX while waiting for my new chipped card, someone used my temporary card to make 3 out of network atm withdrawals about 30-40 minutes from my house, totaling {$800.00} ; not including fees and over drafts. 

XX/XX/XXXX I noticed the withdrawals and immediately went to my local branch, where they deactivated the temporary card and issued me a second temporary card. I was unable to make the fraud claim then, because the transactions were " pending ''. 

XX/XX/XXXX I started the fraud claim, as the transactions had posted. 

XX/XX/XXXX I called the fraud line and found out my claim was denied but wouldn't explain why. I then went to the local branch to speak with the manager. The manager called and they denied the claim because they said the withdrawals were done with a chipped card. Which was impossible because mine was deactivated, and temporary cards do not have chips. So, we made a new claim/resubmitted the claim. 

XX/XX/XXXX still no refund and I find out my claim was denied for the second time because " I didn't report it lost or stolen ''. Obviously, it wasn't stolen, it was skimmed and cloned, unbeknownst to me at the time and I reported this on XX/XX/XXXX and had the official claim opened on XX/XX/XXXX when the debits posted. 

XX/XX/XXXX - XX/XX/XXXX I continue calling their fraud claims line to have my claim escalated a third time. 

XX/XX/XXXX I filed a police report in the county the fraud happened in and emailed this to the bank 's fraud department. 

XX/XX/XXXX I speak with the bank manager again and he filed a complaint on behalf, against the fraud department and said he would contact me no later than Tuesday XX/XX/XXXX. 

XX/XX/XXXX I found out the police report I made on XX/XX/XXXX, in the county the fraud occurred in, was rejected. The report needed to be done in my county due to the nature of how bank fraud works. It's considered to have been done at my residency, so I made a new police report in my county. 

XX/XX/XXXX I had to initiate contact with the bank, as no one had reached out to me. I informed them of the new police report. 

XX/XX/XXXX issue is still not resolved, and the bank has never, not once, initiated contact with me and continue refusing to honor my claim.

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