BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is effecting my chances of establishing a great history with the current company and keeping me in financial hardship. The name of the inquiry is XXXX XXXX. The inquiry date is XX/XX/2020. The bureau reporting is XXXX. 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 2019-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
My online access to my capital one credit card is now blocked and I am travelling internationally. Cap one will not send a numerical code to my home phone to restate access because that phone is not in my name.

Without access to my statements i can not verify the charges are legitimate so I will not pay the balance due.

This will negatigely impact my credit score.

Stupidly, they still allow use of the card i just can not access the statements.

Their solution was, seriously, obtain a USA based cell phone to receive the code!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
The credit card auto-pay feature on the Fidelity cc auto-pay website had a major bug in it which prevented the user 's auto-pay form from submitting properly in XXXX XXXX. I am a computer technician and this most certainly was a bug which I have screenshots of. Resulting, I established an auto-pay numerous times but repeatedly I had the same problem with the auto-pay not drawing from my account ( I filled out the form and hit submit, but auto-pay would not work after numerous attempts ). I attempted to resolve this issue several times with customer support and was largely ignored. Additionally, this organization can not seem to get my physical address correct in spite of numerous attempts to correct this on the phone, and resulting I have not received the vast majority of their mail. Also, XXXX XXXX XXXX already admitted fault and refunded me the late fees, but refused to contact the credit reporting agencies to denote this mistake. Lastly, I was expressly instructed by an XXXX XXXX XXXX representative to disregard mail coming from credit services, so even if I did receive a letter I was expressly instructed to ignore it. 

They claim that it's my responsibility to make payments on a card, but since I am a ) not able to set up auto-pay in reliable fashion and b ) being handled negligently by phone support who can not seem to properly record my physical address and c ) since I made a good faith effort to procure payment, I am forced to file complaint here as my numerous verbal and written complaints have been completely disregarded by XXXX XXXX XXXX. 

I have never missed a payment in my life, nor would I allow for my perfect financial reputation to be tarnished by such a small {$30.00} payment.

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 2018-01-31
Company: ENCORE CAPITAL GROUP INC.
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have received several phone calls made to my work phone, as well as my cell phone, and my husband has also been harassed via his cell phone, mailed correspondence. This debt was a credit card, original debtor XXXX XXXX XXXX, which is now being handled by XXXX XXXX XXXX or MCM. This debt was paid for an agreed amount of XXXX. XXXX ( settlement ). A check was issued in the amount of XXXX. This check shows as being endorsed by MCM on XX/XX/XXXX. The check was made out to XXXX XXXX XXXX  with myself an my husband 's name listed as in reference to. I spoke with a representative from MCM and was informed that an e-mail was generated to XXXX XXXX trying to locate how the check was credited or if it even was. They also stated that because both of our names was on the check, when the account was in my name, that they didn't know where or how to credit my account. This last contact is the first time someone had explained that much to me. This has been going on since XX/XX/XXXX. They simply keep saying I owe this debt even though no one can explain where the cashed check went to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-23
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have filed for my student loans to be discharged and recent they have been discharged. But that has not been reported to all three credit bureaus to be removed. Which this debt is affecting me heavily.

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 2019-09-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We set up homeowner 's insurance through USAA on our new home in XX/XX/XXXX via phone with a representative. After calling back multiple times, speaking with multiple representatives due to the premium seeming high, we finally set it up because we trusted USAA. USAA appointed an inspector to come out and look at the house in XX/XX/XXXX to ensure we had the appropriate coverages. We were never notified of the outcome of the inspection. Fast forward to XX/XX/XXXX, upon refinancing our home, it was brought to our attention our insurance premium seemed very high. We went to another insurance agency for a quote, with the same coverages, and were quoted a significantly lower rate -- - because the dwelling coverage on our USAA policy was literally double what it needed to be. When I called USAA to cancel our policy, the representative informed me of the same- that our dwelling coverage was way too high, and that she could get us a lower rate than what we'd been paying. She also informed us a letter had been sent out informing us that our dwelling coverage should have been lower per the USAA appointed inspection report and that this letter was emailed to us on XX/XX/XXXX. I looked through all of our emails and documents on USAA.COM, but this letter she spoke of was absolutely nowhere to be found. Therefore, I requested a refund for what we had been overpaying for 15 months, as we were never notified or provided the opportunity to lower our coverage based upon the inspector recommendation/findings. The representative stated she would forward the request to her manager and get back to me the next day. Unfortunately, the representative got back to me and essentially stated that we would not be receiving a refund because it was our fault the premium was made too high in the first place and maintained that the letter was sent out to my husband 's email, even though there is no record of this letter anywhere else. We were never informed of the findings of the USAA appointed inspection and therefore it was unbeknown to us that we even had an option to lower our premium. After being USAA members for 11+ years, we have never experienced anything like this from USAA- it is so disappointing. The lack of integrity, unwillingness, and unreasonability has heavily tainted our views of USAA and we intend to take our business elsewhere.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is the second time our account with XXXX XXXX XXXX has been placed with CMRE erroneously. The first time was because of them using an incorrect billing address that caused us to not receive the bill. 

This time we are receiving a debt collection notice dated XX/XX/2020 for an account that is on an active automatic payment plan in the XXXX XXXX XXXX system. In fact a {$40.00} payment for this payment plan was charged to our credit card on XX/XX/2020, and a good faith payment of {$5.00} to start the payment plan was charged to our credit card on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
Fact, XXXX is aware and has proof in attachment labeled as Exhibit A that XXXX is in Violation of 15 U.S Code 1681 N ( B ) 15 U.S Code 1681 A ( 4 ) 15 U.S Code 1681 A ( E ) 15 U.S Code 1681 A ( G ) Fact, Affiant is aware and has proof in attachment labelled Exhibit A that TransUnion is in violation of ( 4 ) Federally PROTECTED CONSUMER RIGHTS bill willfully and knowingly, So they are civilly liable.

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 2018-01-31
Company: PHH Mortgage Services Corporation
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I sent a check # XXXX in the amount of {$22000.00} to PHH Mortgage to pay off my mortgage in full ; I used their own online payoff calculation tool to get to that number, I even included an extra five days to cover any mailing delays. On Monday the XX/XX/XXXX I received a form letter from them and my returned check stating that " Certified funds are required for payoff. '' It seems ironic that over eight years I sent them over 90 personal checks that were always perfectly acceptable to them, not a single check was ever late or overdrawn, I have a perfect record with PHH. This is some sort of a scam or a hustle to prolong the loan by a few more weeks in order to continue to bill a consumer for phony interest charges. This game of theirs cost me an additional {$37.00} in interest and an additional {$25.00} charge by PHH to process the wire transfer. {$62.00} may not seem like a lot of money to you, but if this is their business practice and they are doing this to thousands of consumers then the numbers do continue to add up ; much like XXXX XXXX and XXXX this is a dishonest and deceptive business practice. PHH should be inspected and fined for its business practices. 

BTW ; I made three separate, lengthy and highly frustrating phone calls with PHH before filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Associates, LLC sent me a letter stating that I owed them {$5300.00}. I do not have any credit relationship with these individuals or company and would like to have them refrain from contacting me. The letter they sent was dated XX/XX/2018. 

I also received a letter from the same Portfolio Recovery Associates, LLC dated XX/XX/2018. In this letter the company stated that I owed them {$1800.00}. I do not have any credit relationship with these individuals or company and would like to have them refrain from contacting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-12
Company: Vericred Solutions LLC
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:
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on Vericredsol for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened my Adv Plus Banking checking account on XX/XX/2019 and received a letter ( see attached ) dated XX/XX/2019 confirming that I will receive a bonus of {$300.00} within 60 days of meeting the requirement : set up and receive Qualifying Direct Deposits equaling a total of {$4000.00} or more in your new personal checking account within 90 days from account opening. I received {$2000.00} direct deposit from my employer XXXX and XXXX on XX/XX/XXXX, and another {$2000.00} on XX/XX/XXXX. I have received {$250.00} direct deposit from them every month since, with a total sum far exceeding the requirements. Again this is not an ACH, but a direct deposit. It's not XXXX and I still have not seem the bonus post.

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 2019-09-06
Company: Experian Information Solutions 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:
Trying to reach a " LIVE PERSON '' at Experian is the WORSE!!! I have questions about Experian Boost. This is a new service they are offering to help boost a persons score using utilities as part of the consumers report. I call the non toll free and toll free numbers with everything automated. I need a LIVE PERSON to speak with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10
Company: Experian Information Solutions 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:
Because of the ID theft and being a victim from the XXXX fallout it is literally impossible to upload supporting documents in a fraud case unless I pay all three credit bureaus {$20.00} a month I spend almost every day dealing with different errors and at the end they cant identify me. This makes the dispute process extremely difficult and that should not be that way for everyone. I would like all three bureaus to process my CPFB report and FTC report regarding the disappearing money from my account and the indirect nagtive reporting because if it and its non working app till the matter is resolved. 

According to them zero party nets have been made and XXXX dollars to saving when three have been made and should apply as they showed just weeks ago

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 2021-10-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
About 6 years ago my information was part of the equiax hack, never being notified by them I found out from a co worker and how to see online which I was affected starting with them I submitted 3 different claims to there settle ment department of and nothing had been resolved, no help, no information, they haven't giving me the 7 years of free credit monitoring, hec I can't even log in now to unlock my credit, so from there I started cleaning up the mess myself using y'all 's site, FTC , irs , identity. Gov, getting new social security cards, drivers license 3 times, I used XXXX, XXXX, XXXX, XXXX XXXX, all who have denied me any kind of reimbursement or help one I started submitting claims and reciepts for lawyer bills etc etc, XXXX was hacked, XXXX, XXXX, XXXX XXXX, XXXX, etc, I haven't gotten a tax return in 2 years there's 14 inquiries on my credit report I dispute they go away and pop right back up 6 months later. I out out fraud warnings and filed claims and have all the documentation, I can't even get a passport and I'm financially at the end of my rope I make XXXX a year and have no Debt except maybe XXXX on credit cards I used during covid layoffs. It's just a drain and idk what else to do please help. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: BANKERS HEALTHCARE GROUP LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
This is a loan contract company that survives off of predatory lending practices and only targets medical professionals. I entered into a contract with Bankers Healthcare Group in XXXX of 2018. The original amount and payment as noted in the documents changed, the payment is almost the same as well as the amount, but the interest charge and terms are much higher. These funds were used to pay off a student loan through XXXX. Looking back, the only difference between XXXX and this group is that XXXX is involved in multiple class-action lawsuits. Banker 's Healthcare Group should be as well. My husband and I were both heavily affected during the last two years by the ridiculous shutdowns and lack of patients/business. I work in XXXX XXXX as a XXXX XXXX for the last seven years. My hours were cut heavily by the hospital by over 30 %. We could not afford this $ XXXX predatory loan payment at over 20 % interest. We paid over {$12000.00} in payments. The balance is almost the same as the original loan amount. This is another sign of a predatory lender. After a three month deferment, we contacted them for additional options. They did not continue to draft payments, nor did they return any calls on available options. We did receive a call to borrow more money. Bankers Healthcare filed a lawsuit against me. They are suing for over {$37000.00}, more than the original loan amount and not including the {$12000.00} in payments made. These types of companies are harmful to consumers, and should not be in business to prey upon medical professionals. The original terms were changed from what was discussed, the loan was setup from the beginning to be very difficult to pay with the high payment, fees, interest rate and term. 
We do not have funds for a lawyer, and this should be something that is looked at to prevent other consumers from falling into this lender 's trap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
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:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY PREVIOUS ADDRESS INFORMATION WHICH IS TOTALLY WRONG

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a complaint with PHH mortgage. I had a modification approved months after a request near the end of XXXX. I was told it would take 30 days to complete and then enter a 90 trial and then 30 days from there to have a finalized payment. 

I believe in XXXX or XXXX of XXXX I applied for a modification which was approved in XX/XX/XXXX. I made my 3 months Trial payments and then was instructed that they would finalize paperwork within 30 days for new mortgage payment. Took about 6 months for that to complete and the whole time ( about a year ) I was listed I was in default although I only was behind 2 payments when it all started. Regardless, I made each single payment since the trial payment and I was called about 6 months ago stating I was late one month. I have proof of all payments and have talked to loan experts and managers agreeing that something looked wrong on my record. Fast forward a few months and I am still in the same position, being harrassed for payments and have been charged for late payments. PHH has been the worst experience I have had. And I feel like this is going to keep going. I want my mortgage to reflect correct payments, my credit to reflect the correct information and be refunded for all the late charges. Please help. 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 explanation