BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-30
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have had an account with BBVA since XX/XX/XXXX. The bank has made it impossible for me to access my account, transfer funds ect. They have a policy that even thought you verify your information over the phone you have to go into a branch to update your phone number. BBVA has limited branches and if someone like myself lives out of town sometimes there is no physical way to get to a branch if I try and update my phone number on the app or website it keeps trying to send a sms to the old number but if I known longer have the phone number I cant verify it. Like most banks verification numbers are send to either a mobile phone number or email. On XX/XX/XXXX tried to open a new checking account over the phone I provided my updated phone number. My email, address stated the same. So I received a email on today XX/XX/XXXX from BBVA asking me to review documents and sign them. The documents were locked and asked for a sms to be sent to my phone number. It was a phone number that wasnt mine. I have reason to believe that BBVA does this intentionally. Over the course of the year I have had this account my account has been compromised on several occasions. The bank changes my information internally with my information. When I called customer service I was told that my application was completed via mobile app but I never completed a new checking account application via mobile app. I did it with a customer service representative because they were supposed to attach my old debit card to the account and transfer my balance to the new checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2020 I sent Capital One a Affidavit of Truth regarding a credit card in the amount owe of {$660.00}. In the bill statement Capital One had 6 federal privacy act violations I also attacked a notice in the amount of {$6000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was charged " excess tax fees '' multiple times when transferring money between accounts online. The fee is {$9.00} each time. These fees were charged XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. XXXX  XXXX {$160.00} XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX {$10000.00} XXXX XXXX XXXXXXXX {$360.00} XXXX XXXX XXXX {$2300.00} XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX {$9700.00} XXXX XXXX {$7000.00} XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX {$610.00} XXXX XXXX  XXXX {$63.00} XXXX XXXX XXXX  XXXX {$110.00} XXXX XXXX XXXX  XXXX {$920.00}

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 2021-03-30
Company: EQUIFAX, INC.
State: MD
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 have sent multiple letters to EQUIFAX about the XXXX  XXXX XXXX account on my credit report but nothing has been done so far and this unacceptable. The account is in violation of the Federal Credit Reporting Act and should be deleted from my credit report immediately. Interests and fees have been added to this account even though it is charged off which is a violation of the FCRA! I have attached documents on here to prove my case. Delete this account immediately!! It is clearly visible, I even circled the most important information on these documents. Unless you are blind or getting paid by XXXX  XXXX XXXX you should clearly see what I am talking about. I am not going to give you ( Equifax ) 30 or 60 more days since I have already waited too long. I have mailed you multiple letters about this issue and I have the usps return receipt for every letter that I have sent to you. I am giving you ( 3 ) three days to delete this account from my credit report. Just look at the attachments. If you ( Equifax ) do not delete XXXX XXXX XXXX from my credit report I will sue you in federal court if this how I can get your attention and I am not even joking. I have also so attached on here the form to sue you so will understand that I am not joking. The form is ready to be filled in and sent out. Delete this account from my credit report!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I've disputed multiple times with XXXX/XXXX/Transunion and provided copies of statement that these accounts were never paid late and I also submitted to the company and credit reporting agency was responsible for removing and they didn't

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 2021-03-30
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Original Complaint Number : XXXX I received a response to this complaint back on XX/XX/21, since then I have contacted the individual who responded 5 times and have received no contact back after several voicemails to her and one of her colleagues. 

I am extremely displeased with this level of customer service especially during a time that I am trying to complete/close/pay this company for a charge off account. This person ( XXXX XXXX ) tells me I am responsible for the incurred debt and says I can make payments for the debt, yet I can not get anyone from this department to call me back. 

This is ridiculous. I am very upset about this situation and would like it to be resolved as quickly as possible!!!

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 2018-10-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I paid off all my credit card debt, my mortgage, my personal loans, and refinanced my car loan over 2 weeks ago. My credit reports are not being updated to show my hard work. There is still 2 open car loans on my report after I refinanced a month ago. All my credit card balances are at {$0.00}, but my credit report is yet to be updated. My mortgage is paid in full, but my credit reports say I still owe {$150000.00}. There are duplicate collection accounts that I have disputed multiple times. Now they wont let me dispute them anymore. There are accounts that were originally reported, then removed, and the later put back on my reports. There are accounts that are over 7 years old but somehow the dates are switched to make them just under 7 years old so they stay on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: General Motors Financial Company, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a lease for a vehicle with GM Financial. In late XX/XX/XXXX/early XX/XX/XXXX, they made changes to their website and this caused issues to first, pay my bill on time ( they did provide advanced notice so I accepted that I didn't make the payment early enough for the cutoff and paid the late fee associated ), and second, after they made the website changes, the information on the website reports inconsistently. Each month, various statements reflect different amounts owed. I made a large payment in XX/XX/XXXX, thinking I had cleared up all inconsistencies, however, they continued. In XX/XX/XXXX, I received a statement in the mail that reflected I owed over {$3000.00}, when I log in to the website the front page tells me I owe around {$2000.00}, and then when I go in to make the payment it tells me I owe {$0.00}. I spoke with a representative in XX/XX/XXXX when I made the large payment who told me all was cleared up, and my balance was XXXX, however, the online balance continues to show thousands of dollars. I'm completely confused, and have zero confidence that GM really knows how much I owe them. Plus, I started thinking that maybe it shows I owe a XXXX balance on the payments page because I overpaid back in XX/XX/XXXX. On XX/XX/XXXX, I spoke with operator XXXX   who was quite rude to me, telling me they look forward to my CFPB complaint and I should just accept that the error they have on the website is not a problem and keep making payments. I tried to tell her I'm confused and don't know if I really need to, it was my understanding this issue was resolved months ago, but she just referred me to the contract and told me they look forward to getting my CFPB complaint. So I hung up. My request is that I will pay whatever I owe, but I want confirmation that it's accurate, and I'd like them to waive any late fees I currently owe because this is the result of them inaccurately reporting what I owe vs. me not paying. I have made every payment on this vehicle for over three years and have terrific credit. I appreciate any help you can provide me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Company: AMERICAN HONDA FINANCE CORP
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
When we made the final lease payment on a 2015 CRV with Honda Financial Services, they attempted to add on a {$350.00} " end of lease '' penalty/fee for not buying the car. There is a section ( see attached copy of agreement ) that mentions a fee, but there is a N/A next to it which we were told meant non/aplicable and it did not apply to our lease. We leased from XXXX XXXX ... which has gone out of business and is now owned by XXXX XXXX XXXX. I have sent two responses along with a copy of the lease with highlighted section showing the penalty/fee does not apply to us to both XXXX XXXX and Honda Financial Services.. They just ignore my correspondence, send us more bills and threaten to ruin our credit by reporting us as being delinquent to credit bureas.. We made 39 lease payments, all on time, and returned vehicle in perfect condition ( professionally detailed ) and with only XXXX of XXXX miles used. Tacking on an additional fee that does not applhy to us seems very close to fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 am writing in regards to a private loan that is reporting incorrectly on my credit files/reports. On at least one occasion I have disputed the validity of the information being reported for this account and the dispute always comes back as unchanged and the account information being reported has been verified. The issue was clarified in the XX/XX/XXXX amendments to the FCRA, which set a specific starting date that is now SET BY LAW as the last deliqency date, and not later dates, such as a DOLP. FCRA Section 605 : ( c ) Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. Late Payments - Seven years from the month in which the late payment was due. If there are multiple late payments in one account item, then they will each expire individually. Charge-Offs - Seven years. The time runs from the date of the delinquency, plus 180 days. For example, if a payment was due on an account on XX/XX/XXXX, but the debtor defaulted, and never caught up to become current again, and the account is eventually declared a charge-off by the creditor, then the seven years reporting time limit starts running on XX/XX/XXXX, with the item scheduled to expire from his/her credit reports on XX/XX/XXXX. I have attached paperwork directly from the XXXX website that clearly shows the first late on this account occurred on/around XX/XX/XXXX, but my credit files are reporting that there was n't a late on the account until XX/XX/XXXX. This erroneous entry showing an incorrect date of first delinquency is detrimental to my overall credit rating and has caused me severe financial and emotional distress. My question now is how was this investigation conducted to confirm that what is currently being reported is accurate? A template response to my complaint at this point will not be acceptable. This account is not only being in-accurately reported but is also past the reporting limits based on the Fair Credit Reporting Act. If this situation is n't immediately rectified I will be forced to take further legal actions.

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 2019-04-02
Company: Phoenix Financial Services LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company is trying to collect a debt, that was paid off years ago. This has been going on for about three months. I paid this debt to XXXX XXXX XXXX in the state of Ohio in they Address is XXXX XXXX, XXXX XXXX, OH XXXX. In the year of XX/XX/2016.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Company: Bonneville Billing and Collections
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My daughter had XXXX  XXXX at XXXX XXXX XXXX and they never sent or sent a CORRECT CPT code to blue cross blue shield. The insurance company stated they will pay it if XXXX XXXX will enter and send them the correct code. I contacted them a year ago to correct this and the insurance company faxed something to cottonwood and they never corrected. I now have BONNEVILLE COLLECTIONS coming after me for XXXX medical bill that my insurance company XXXX  have paid. This has effected my credit very negatively I cant even apply to get a car or house because of an high balance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Company: SYNCHRONY FINANCIAL
State: WI
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:
Today XX/XX/2018, I was notified by XXXX XXXX that their is a inquiry on my credit report from PayPal. I did not run credit for PayPal or apply for any credit card by PayPal. I want this removed from my credit report. This was not authorized by me!

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 2020-07-04
Company: Bread Financial Holdings, Inc.
State: RI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Comenity bank- i have several credit cards issued through them. 2 have been closed for no reason, the others have had limits increased and decreased almost monthly. Ex I have a XXXX XXXX  credit card limit of XXXX paid it down to XXXX and they lowered my limit to XXXX. Which of course now looks like I am at 97 % to limit. They have done this with several of them if I use the card they increase the limit but when I pay it down they lower,. They say it's because of my credit score. Well if they quit doing this. My score would be a lot higher. They also keep messaging me stating its info i requested, i havent requested anything but for them to quit this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: Experian Information Solutions Inc.
State: GA
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 accessed my Experian credit report on XXXX XXXX 2018, around XXXX XXXX EST. I was offered the chance to purchase XXXX and XXXX report as well, for XXXX. When I tried to print out a copy of the report, I received the following message : XXXX XXXX XXXX. The service is unavailable.

I called the company at XXXX XXXX and spoke with a representative. I asked the representative to please refund my money as I could not print the reports. The representative was rude, refused to refund my money saying that " you had agreed to the terms when you agreed to pay. '' I asked to speak with a supervisor, the representative instead hung up on me. When I tried to call back, the recording said the company was closed.

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 2018-03-12
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/XXXX I called Santander Consumer USA to inform the company that I was surrendering the XXXX XXXX XXXX and I was leaving the car at the XXXX Dealership where I purchased the vehicle. The customer service representative who I spoke with indicated that she would note the account that I surrendered the vehicle. On XX/XX/XXXX I received a phone call from a representative indicating that they have nothing on record indicating that I surrendered the XXXX XXXX XXXX. Furthermore the customer service representative who I spoke with on XX/XX/XXXX was extremely rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Netspend Corporation
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX I deposited my bill money in netspend. They have blocked my card for third time this month. And now is refusing to unblock. All I am told is call this number and not once have I been called. I have called net spend over 15 times left 4 emails and over 10 voicemails to number they gave me. It's been over 2 days and now they just hang up on me. Netspend is not giving me my money back and isn't unblocking card. It's my money I deposited on there for my Bill 's. I have giving up and will just borrow some money till next oay day because my money is now gone

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 2018-10-07
Company: SYNCHRONY FINANCIAL
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Failure to comply with request for validation. On XX/XX/2018 I sent via certified mail to Syncb/XXXX XXXX XXXX  a request for validation and letter of dispute for an alleged debt that is reporting on XXXX  a {$0.00} balance and on XXXX   and XXXX a {$1000.00} balance. Syncb/XXXX XXXX XXXX received and signed for the letter on XX/XX/2018. Syncb/XXXX XXXX XXXX failed to respond to my letter of dispute/request for validation and to place comment of dispute with the credit bureaus they are reporting, XXXX, XXXX, and XXXX. On XX/XX/2018 I again sent a letter for request of validation and dispute via certified mail to Syncb/XXXX XXXX XXXX  for which they received and signed for on XX/XX/2018. Again Syncb/XXXX XXXX XXXX completely ignored my letter and failed to place a comment of dispute with the credit bureaus. By doing so Syncb/XXXX XXXX XXXX  is in violation with applicable FCRA & FDCPA laws pertaining to this alleged debt they have erroneously placed on 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 explanation