BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
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:
I noticed it came up on my credit report. I have never heard of this bank before. I called them to find out what it was about. They said it was a credit card. I have never had. A credit card with them not have I ever had a card with that amount or limit. They asked for my name and address to verify and the last name and address they had on file didnt match mine. I told them because it wasnt my debt. They tried to get me to settle it for {$1200.00} right there. I told them no because it wasnt my debt. I have been disputing it with the credit companies and they are now using my last name and PO Box ( that they had me use to verify ) on the account instead of what they had before. They have never called until after I called them so they didnt even have my phone number that I have had for 20 years until I contacted them to find out what it was.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Transunion dropped my credit score 9 points, for no apparent reason. I have $ XXXX of open credit on four credit cards, a total of {$1200.00} owing on all four together, and they could not explain why. I have opened no new accounts, they said I have too many balances owing. It makes no sense to me, and the rep could not/would not explain why by score was dropped. I can find no action of mine to have precipitated this reduction or extraneous accounts. Why did they do it? They stated on my file, " too many balances ''. There is a total of {$1200.00} on my cards, out of the $ XXXX available. How does this make any sense. None of the other credit agencies made reductions to my scores, ( XXXX  XXXX and XXXX  XXXX 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 2020-01-20
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: Account information incorrect

Complaint:
I informed the company the status of my payments. I made a lump sum payment bring my account status to " current. '' They incorrectly reported my account to Equifax as being " past due. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, My husband and I had a mortgage through XXXX ( it was in his name ). After he XXXX XXXX   in XX/XX/XXXX, I took over as the executor of the estate. I purchased insurance through XXXX XXXX for the home in XX/XX/XXXX. However, XXXX purchased extra insurance on the home ( forced-placed insurance ) -- at an extremely high rate of {$11000.00} or so per year. They then increased my escrow and my total payment jumped significantly. We tried to resolve the issue with XXXX, but they have since then sold my mortgage to a debt collector, Bayview Loan Servicing LLC ( who currently hold the mortgage ). 

The loan number at Bayview is XXXX. 

The home address is XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Their customer service rep advised that if we could provide proof of insurance for the home for the period ( XX/XX/XXXX onwards ), we would receive a full refund for the forced-placed insurance. I have attached the proof of insurance to this email. The proof of insurance lists the my name + the Estate of XXXX XXXX XXXX ( my husband ). It fulfills all of the requirements they have asked for. This has been extremely difficult with Bayview. They have regularly not known Yet now they are refusing to provide the refund, arguing the insurance was not sufficient. Since its a significant amount of money I've been charged, I have been left with no choice but to file this complaint. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
A mortgage lending company pulled my credit on XX/XX/2018. I reviewed my credit report and found several errors and several accounts that do not belong to me. On XX/XX/2018 I submitted a credit dispute to XXXX XXXX, XXXX. In the credit dispute, I described the errors with my credit report and asked the credit bureau ( Experian ) to remove the accounts from my file. On XX/XX/2018 I received a reply from Experian stating they received a certification that the information is accurate. But they have not provided me with any documentation or other evidence to support their 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 non-monetary relief
Consumer complaint received 2021-07-08
Company: AMERICAN HONDA FINANCE CORP
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have a Barclays Mastercard credit card with a small limit. Two months ago when I wanted to make a payment I was logged out of my account/ app and could subsequently not making any payment. Since then I have tried at least 20 times to phone to their customer service department. My average holding time is around 30-40 minutes. It is utterly impossible to reach any of their customer support people. Also, because I can not log into my account to do the payments, I have been reported as late payments which are completely messing up my credit score which will take me months to rectify.

I have lodged complaints via Social Media using XXXX  and they have been responsive and apologize, but did not offer additional help to get this resolved. 

How do I get in touch with a bank if the only way is through either their App chat functionality or email or call in to an utterly useless telephone customer service. This bank should not be in business. I have kept screenshots of my last calls as evidence what number I called and how long I was holding on.

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 2018-08-09
Company: Experian Information Solutions Inc.
State: NJ
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:
The XXXX XXXX XXXX entered a legal LEMON LAW with XXXX and XXXX, Same issue more than 3x. The car was taken from me XXXX. I was FORCED to stay in a lemon law car a year after all terms of this loan were BREACH/FRAUD. The car was NOT CERTIFIED USED. The loan was not my responsibility once deemed Magnisam Moss by the attorneys. The dealers and banks were notified and aware,. I was given back my deposit to move this loan into a WORKING REIABLE method of transportation. XXXX XXXX knew the previous car XXXX XXXX in my name was returned to XXXX for water damage as well. In 6 weeks before I could even make a 2nd car payment they gladly took this car back and put me in a XXXX XXXX which is still on my credit report with a negative XXXX, XXXX affecting my credit. This was the lemon law car. This was also the 2nd car unjustly sold SCAMMED me as it was flooded and dried out and resold to innocent customers. They then repo it after 1.5 payments late leaving me with adverse credit when XXXX PA Attormey said you get your deposit and the dealer is to COOPERATE asap and help you get into and move loan over!!!! I am not forced to be in a rental car at XXXX month and will never be able to get another car. XXXX and XXXX MUST TAKE RESPONSIBILITY!! Write this off. This could have been a DEATH Claim!! Car was shutting off at high speeds. IT is JUNK it needs to be removed from my credit,. It is not my fault,. I was sold and scammed damaged goods. I will file a police report if this doesn't get off my credit. LET the dealer take the hit or the lender. The moment it became BREACH or they decided to pick it up ONCE I fixed it and XXXX I lost XXXX, XXXX and I need my money back from XXXX plus repairs over the 2.5 years and towing.,. Someone owes me a new car or a refund and OFF MY CREDIT NOW!

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 2020-06-04
Company: Experian Information Solutions Inc.
State: NJ
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:
On Thursday XX/XX/2020 I mailed a letter to Experian requesting to remove all errors on my XXXX XXXX XXXX XXXX  account. 

I informed Experian that my XXXX XXXX XXXX XXXX  account is incorrectly showing 33 missed payments. I also informed Experian that my account is not past due and there are no missed payment on this account. 

I further requested that Experian correct and update the account to show current and 100 % on time payments and removed all missed payments from the account. 

It has been more than 45 days and Experian has not responded to my complaint nor removed the erroneous information within the 30 days notice as required by Federal laws

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 2021-03-02
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I got into an accident. I received my title and then found out months later that it had not been paid in full.due to Covid I had to wait for payment, yet they were not receptive and I had to be patient with Santander due to Covid. They were rude and not helpful, yet my credit has been negatively impacted due to late payments despite payments from the insurance company and the gap insurance company. I have now paid off the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Re : SunTrust I went to get gas today and my card was declined. I tried to login on the app and couldn't. I called the bank to see what was wrong as I knew I had plenty of funds. 
The rep stated that my account was frozen and it's under investigation. She also stated they were closing my account and she couldn't reverse it because SunTrust no longer wanted to continue a banking relationship. She could not give me a reason. 
I requested the call to be escalated. I spoke with XXXX who told me the same info. He also told me my childrens accounts were frozen as well. He stated I was flagged for suspicious activity. I explained that it was not possible. 

I use the accounts for paying bills and everyday expenses that bear no semblance to suspicious. I've had my account for over a year, I only have my SSI deposited into the account. I recently opened accounts for my minor children who are also on SSI and that's the only thing deposited in their accounts. I showed proof of everything when I opened their accounts as their representative payee. Mine and my son 's funds are direct deposited from SS and my daughter just received her checks to open an account so SS could direct deposit them as well. I still don't know where the issue is but that's my only guess. These are all United States Treasury checks. 

I have {$0.00} to survive on as they're holding everything. My children can't get their medical care, I can't pay my rent or bills and now I'm going to accrue late fees and this will ruin my credit due to be unable to pay. We can lose the roof over our head and SunTrust can only tell me I will get a letter within 30 days. 

The other issue is that I now have to contact SS for all 3 accounts and have payments stopped and go through the process of opening new accounts. That's a nightmare in itself. I would greatly appreciate any assistance or ad vice in resolving this matter. 

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
Consumer complaint received 2021-06-23
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of XXXX, XXXX, {$700.00}, XXXX. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -ACCOUNTS- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$8000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$700.00} -This is not my account. 












-COLLECTION ACCOUNT- 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$1400.00} -This is not my account. 


I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity. 
Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon. 



Sincerely, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Enc. : Drivers License, Social Security Card, Utility Bills, Police Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I went to try and get a car and was told there are bankruptcies on my credit. This information is not correct as I have never filed for Bankruptcy ever in my life. Please have bankruptcies removed from my credit immediately.

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 2015-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This credit card account is just now coming to my attention. I did not open a credit card through HSBC bank based out of Nevada at any point.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: Southern Auto Finance Co
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
The car was not clean title it was involve on an accident cause it had several important part missing on the suspension. Broken parts in half. Control suspensions screws. Pay the car for two years till i found out the truth. Then the company didn't wanted to help me. Ended up giving the bmw back to them. I was con.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: United Revenue Corporation
State: TX
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:
XXXX  is reporting all these account on my credit file and none has been validated. I sent letters for validations but never has XXXX  sent anything to me. This is unfair and I feel that my rights are being violated

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
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: Information belongs to someone else

Complaint:
I went to the bank to look at getting a loan to purchase a box truck and was denied. The branch Manager went over my credit with me and saw several things on there that is not mine XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX. I also saw some student loans on there and Im not sure how that is possible being that I didnt even grauduate from high school. Some of them ran my credit without me knowing XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I have reached out to the FTC and the police here. I am doing this on my own and really need someone help with this.

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 2017-02-14
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a bill from see CmRE financial services for {$75.00} saying that the XXXX department of XXXX has placed my account with them for collection and I contacted the XXXX department of XXXX to find out that my account is in good standing and that they never placed my account with any collection agencies including CMRE

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2020 I called BofA Fraud department to alert them to a fraudulent {$700.00} XXXX transaction that had just occurred on my account. I alerted them within 30 minutes of the transaction. They told me that the transaction could not be reversed because it was a XXXX transaction. I had never sent the individual that received the funds previously and I alerted the bank to the fact that the transaction was fraudulent. They told me that I had to wait 10 days for them to do their " investigation ''. On the 10th day I received an email stating that my fraud claim was denied because " Our investigation found that the transaction in question was completed using a device that is consistent with previous valid account activity. '' They claim that I must have a virus on my computer, despite my telling them that I have XXXX virus protection and have scanned my computer multiple times.

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