BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-16
Company: Hillcrest Davidson & Associates
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Today XXXX, XXXX was the most recent date of contact from Hillcrest Davidson Associates in XXXX TX. I spoke with XXXX XXXX XXXX and a XXXX who both stated that they were managers. XXXX XXXX XXXX started using obscene language until I asked to speak with a manager. XXXX was very rude to me but did not use obscene language. I asked for them to stop before I ended the call. They refused to let me speak with anyone higher up nor anyone in customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
as i have previously notified the bureaus before, 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 explanation
Consumer complaint received 2021-07-07
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Discover Financial is report inaccurately when my credit report was pulled. Although charged off in XXXX of 2019 there shows an updated balance that reports every month. This is a violation of FCRA and should be corrected to be a closed account in charge off status without a monthly reported balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: EQUIFAX, INC.
State: NV
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:
Request for Investigation of Unauthorized Inquiry I checked my personal credit report and I noticed an unauthorized inquiry had been made from XXXX XXXX XXXX in XX/XX/2016 

I request that you initiate an investigation into XXXX XXXX XXXX 's inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report. 

Thank you for your assistance in this matter, Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Because each credit company will charge me each time I freeze/unfreeze my accounts and because I now need to regularly freeze/unfreeze my accounts because of Equifax 's egregious security failure/breach, I need a letter from Equifax stating I was affected by the breach, so I can upload it to Experian, who said they would provide me with freeze/unfreeze access for free for 5 years. However, when I went onto Equifax 's website, there is no place to request such letter and no email address or other electronic means of requesting one. I need this letter as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: BBVA FINANCIAL CORPORATION
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Upon multiple attempts, including on XX/XX/18, to make a transfer from my HELOC with BBVA to my checking account with BBVA, my access to my HELOC was denied. Per the Home Equity Optimizer Account Agreement, I should be able to access by funds per telephone, however the customer service representatives are insistent that I need my XXXX card CVV number. This defeats the purpose of calling over the phone, since I do not have a XXXX with this account. The representatives explained to me that this was for regulations and security purposes. 1 ) There is no banking regulation that requires a CVV to transfer from my Heloc to checking account. 2 ) The representative already confirmed my identity by verifying account number, date of birth, credit limit, and last deposit amount, all in addition to calling through the mobile app that identified my account for them. 

My HELOC and my checking account have the same signers, only myself, so the risk of fraud is minimal, especially after verifying me several ways. 

I asked to file a formal complaint and was told that there was nobody that I could escalate this to, including a manager or supervisor. The representative told me they would send an email to their manager, but when I asked for a follow up from a supervisor, they told me they could not guarantee that. In other words, my request/complaint would be ignored. 

Ultimately my access to my consumer line of credit is being restricted and I am unable to use the line of credit per the line of credit agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/2016 Balance : {$0.00} Reason : Identity theft Please remove it from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
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: Account information incorrect

Complaint:
The credit bureaus are reporting inaccurate information on my credit report. I have never been late on a payment with XXXX XXXX XXXX and My student loans are deferred therefore I should not have any late payments reporting. Due to covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of covids forbearance period. I have late payments on my report I want removed because I am a victim of covid 19 and legally you should not have put them there.

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 2020-11-28
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: Account information incorrect

Complaint:
When we first serviced our mortgage loan on XX/XX/2015 with XXXX XXXX, all was apples and cherries. They quickly turned around and sold our loan to XXXX XXXX. I received information from XXXX XXXX as our mortgage provider come XX/XX/2015 and began paying mortgage to XXXX XXXX. 
I followed all instructions, and on XX/XX/2015 I received information from XXXX XXXX stating our loan is deliquient and collection will be ensued. It took a long time for me to be able to reach a live person and actually spoke to a manager. I was finally able to secure that and received a letter and confirmation from XXXX XXXX stating they no longer hold our mortgage loan and was sold to XXXX XXXX. 
Today, I am reviewing my credit reports. I see that on equifax the information is not reported correctly. On XXXX and XXXX it is correct. Equifax clearly states my first deliquent with XXXX XXXX was XX/XX/2015. There are no records indicating my account was closed/transferred and sold. It looks like I still have an outstanding balance of XXXX. 
This affected my husband and my credits for the past 5 years.. and WE WERE NOT AWARE of IT!!!! OUR CREDIT SCORES HAVE BEEN IMPACTED, AND WE ARE NOT ABLE TO REFINANCE OR WHAT NOT. This is NOT OK. I NEED PARKSIDE LENDING TO REMEDIATE THIS SITUATION IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 Transunion and XXXX  in XX/XX/2021 about inquiries on my credit report that are not mine and not associated with any accounts I have. I was advised to have the companies that initiated the inquiry to send a deletion letter to the Transunion and XXXX  and that I needed to send an authorization letter to Transunion and XXXX. I requested the deletion letter to be sent and I sent my required letter but no results so I again contacted Transunion and XXXX and the companies that initiated the inquiry in XX/XX/2021 but was given the same steps to complete so I followed those steps once more. Here it is XX/XX/2021 but no results despite doing everything I was asked to do.

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 2021-07-07
Company: EQUIFAX, INC.
State: NC
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:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: MoneyLion Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
MoneyLion is a scam. I had gotten approved for a {$500.00} dollar loan, to build my credit, I also had an investment account with them, they wont allow me to even pull my money from this account. Ive Been paying my loan and they emailed me saying I havent and I owe {$80.00} dollars and if I dont pay the XXXX they will charge me {$200.00}, I only have XXXX left on my loan..and Ive been paying XXXX dollars every other week. So I dont get how I owe them that much. I even have proof showing Ive been paying them. Many people have complained about them!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: AmeriCollect
State: AZ
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:
This Items been removed months ago & the debt collectors ( AmeriCollect ) re added the same 3 collections back to my XXXX  & XXXX  credit report without ever sending a 5 day reinsertion notice which is a violations Under the FCRA & FDCPA The Accounts Numbers : XXXX, XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
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 was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I had an emergency and ended up in the hospital for a very short period of time. Insurance information was provided at the time of service, health insurance at the time was XXXX  XXXX, policy number XXXX. Insurance was billed and multiple times for the services provided, I will list them below- Claim ID number XXXX {$1200.00} paid to XXXX XXXX XXXX XXXX XXXX ID number XXXX {$4800.00} paid to XXXX XXXX XXXX Hospital Claim ID  number XXXX {$4800.00} paid XXXX XXXX XXXX XXXX Hospital Claim ID number XXXX {$820.00} paid to XXXX XXXX XXXX Hospital In XX/XX/XXXX, I get a letter from XXXX XXXX XXXX XXXX XXXX collecting on behalf of XXXX XXXX XXXX stating that they are owed {$1200.00}. This was already paid and settled with my insurance as I listed above. I been receiving calls non stop from them demanding payment. It is also been added to my credit report and my score has already dropped significantly, to the point that is has stopped me from being able to refinance my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Capital one don't care about identity theft i never had a Capital one credit card it showing on my credit report in 2017 but they remove it because 8t fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: ALLY FINANCIAL 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: Account status incorrect

Complaint:
Upon checking my credit reports recently Ally auto is showing derogatory. It also shows, although we are clearly in the middle of a pandemic, that I have 4 recent late payments in XXXX, XXXX, XXXX and XXXX which is hindering me from purchasing a home for me and my children. During that timeframe I was mistakenly under the expression that was still on a a deferment. Ive tried reaching out to Ally Bank CEO Mr. XXXX XXXX on MULTIPLE occasions via email with no response as to removing these most recent late payments and derogatory status so that I can make this purchase for my family and I. My account is current.

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 2020-05-12
Company: JPMORGAN CHASE & CO.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2020, A US Marshal Imposter called me about a Supreme Court case in Texas against me on money laundering and drug trafficking. He said my case will be up in the court in 4 and a half hours. He said some of my personnel info. I started believing. He was on the phone with me for several hours. He convinced me to do an international wire transfer of {$46000.00} on the basis of he is working to clear my name on all the charges against me. He said this money goes to a custodian account which is linked to the US Embassy in XXXX. And promised to transfer the same amount of money back on my account the following day after clearing my name. He said If I don't do that, the US government will freeze my assets and arrest me and taken to Texas. 
I don't have any charges against me. I was scared someone is using my name to do criminal activities. 
I drove to the XXXX XXXX XXXX ky ( XXXX XXXX Branch- XXXX ) to do the wire. It was posted at XXXX XXXX. Its destination is XXXX XXXX, XXXX, XXXX, XXXX. 
Beneficiary - XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX But I felt suspicious and called the bank at XXXX XXXX  to Cancel/Recall the transaction. 
XXXX XXXX  did put a recall in the transaction. 
Recalling/cancellation started within 1 hr 40 mins. 
I filed a complaint on XXXX at night. I was told the FBI called the XXXX XXXX about it the following day. 
I was told the wire went to the Chase Bank for Intermediary banking purposes. 
I didn't want my hard-earned money to end up in criminals ' hands. 
Despite it was flagged, I don't know why Chase Bank sent the funds to the beneficiary bank, The latest update - Chase bank had requested funds back from XXXX XXXX  XXXX. 
response from Beneficiary Bank - Don't know yet. 
My payment disclosure says funds will be available to pick on or before XX/XX/2020. 
Cancellation - I can get my funds back if the funds not deposited on the beneficiary account or not picked up by the beneficiary. 

I have a strong feeling that the funds had not gone to the beneficiary bank in 1 hour 40 mins. 
But Originating Bank ( In this case XXXX XXXX  ) does not have the traceability to track the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: FIRST PORTFOLIO SERVICING 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:
There is charge off account from first Associates that appears on my credit report. I do not know what this account is and I have called the company and requested a copy of the agreement/contract and nothing has been provided to me. 

I have attempted to dispute this with the credit bureau but they ultimately say the company provided documentation. I want to see what documentation is being provided so that I can understand what this account is.

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 2021-07-07
Company: Paypal Holdings, Inc
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Dear Sir or Ms. : This comsumer complaint is being sent to your office after Venmo 's unlawfully freezing my Venmo card account for nearly 3 months without any authority and consent, In XX/XX/XXXX to XX/XX/XXXXVENMO HAS STILL CORRUPTLY HELD MY {$11000.00} deposit was made from my fiancee ' XXXX XXXX 's late father 's sale of his property into my Venmo account. The deposit was to repay me {$10000.00} she got from me, and her repaying me back from her sold real estate her attorney sold in her inheritance. 

Similarly, nearly {$25000.00} was illegally transferred from my XXXX XXXX bank acct. and {$3500.00} was unlawfully removed from my Venmo card acct., with -out my consent, authorization, or any legal In and after XX/XX/XXXX, XXXX XXXX and Venmo froze my accounts containing about {$23000.00}, total. 

Venmo never told me, replied to my many attempts to learn why it was frozen, what caused the freezing, and what I can do to unfreeze my funds. That unlawful silence went on for more than 10months to this date, XX/XX/XXXX, 18 months later, VENMO REFUSES TO TRANSFER MY {$9000.00} BALANCE to my XXXX AND CHASE accounts by wire transfers. 

After nearly 14 emails Venmo has not my reply texts demanding {$11000.00} be returned, Venmo C/S and executives never replied. Alternatively, C/S wrote it will get back to me in 8-14 calendar days. After 19 MONTHS, Venmo still did not ever answer specifically WHY IT HAD FRAUDULENTLY WITHHELD my money. My monthly bills came due ; Venmo still refused after 10-months to return, my {$3500.00} it allowed to be stolen and my current {$8700.00} in my VENMO CARD ACCT.. then never refunded it even after I filed Whereas, VENMO sent me a letter, ( copy attached ) that it is holding my funds {$11000.00} for 10 months XX/XX/XXXX to XX/XX/XXXX. However, VENMO IS STILL earning interest on MY FUNDS, but not paying me {$300.00} of dollars it earned in interest on my {$11000.00} money. 

Therefore, I am seeking to file a classaction suit for various legal crimes and consumer fraud, or consumer violations as this Court determines from our classaction complaint and attached documents, ( exhibits ), supporting consumers claims against Venmo bank card. 

Respectfully yours, XXXX `` XXXX '' XXXX  XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Specialized Loan Servicing, LLC refuses to acknowledge that my husband and I have hired an attorney to handle our QWR requests with this servicer because SLS has refused to acknowledge/supply documentation in response to any of our correspondence requests since XXXX. We initially contacted XXXX XXXX 's office for help with our request back in XXXX. 

XXXX XXXX, our attorney firm, sent SLS a QWR request on XX/XX/XXXX, and SLS has responded by sending the attached letter dated XX/XX/XXXX to our home and no correspondence to XXXX XXXX 's business address. 

XXXX XXXX called SLS on XX/XX/XXXX at approximately XXXX XXXX. PST and spoke to SLS rep XXXX, ID # XXXX. XXXX advised XXXX XXXX that SLS has no idea that we have an attorney representing us, and she asked XXXX to supply her the attorney 's name to which XXXX responded to XXXX by asking/stating words to the effect, " Why did SLS send a letter to my home address dated XX/XX/XXXX and to me personally stating they couldn't respond to a QWR when I have not asked SLS to supply a QWR this year? SLS has sent this letter to me because my attorney sent a QWR request. Your company is well aware that I'm being represented by counsel ; otherwise, I wouldn't have gotten this letter in the first place, and your company should be sending this letter to our attorney. '' SLS rep XXXX then replied to XXXX 's comment by stating that SLS sent a letter to XXXX XXXX asking for appropriate documentation that they are, in fact, representing the Pinedas. XXXX asked XXXX to email her the letter that SLS sent to Equity Legal, and XXXX stated she was unable to gain access to this letter to which XXXX asked, " Then how do you know your company sent XXXX XXXX a letter? '' XXXX was unable to provide a response and stated she was reading notes on her screen. 

XXXX then asked XXXX to contact the appropriate department who has access to the letter and to have the letter sent via mail to XXXX 's home address on XXXX XXXX XXXX XXXX 
As of today, XX/XX/XXXX, SLS has not supplied documentation showing they sent our attorneys at XXXX XXXX any correspondence in response to our attorney 's QWR request or in response to SLS 's inquiry stating they need proof that we've hired counsel. 

SLS refuses to provide a lien removal on our property that was initially done by XXXX which makes it impossible to refinance our first mortgage, and SLS has refused to provide documentation to our attorney that they have a legal interest in our property.

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