BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-20
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
It was yesterday XXXX XXXX around XXXX, i went to XXXX bank on XXXX and XXXX in XXXX, TX. 
I wanted to withdraw {$5000.00} from my account, the teller told me that they did not have the money and that i needed to go to a different location, or come back the next day to get it. I asked to speak to the manager. The teller came back with a young lady, i told them that i will be video this conversation and asked for her name, she refused to give me her name and walk away. 
I asked the teller for that person name but she refused to give it to me, and refused to give me her name also. I asked the teller again that i could speak to someone really in charge, because i want to cash out some money. 
After a few minutes in the back room again, she came out and told me that i can have {$2000.00} instead of {$5000.00}. I told her that i didn't want {$2000.00} but {$5000.00} of my money and who ever hear of a bank that doesn't have {$5000.00}. 
Then suddenly another employee came and asked if she could help me from behind my back, she asked for my driver license and bank account number, i gave them to her, then she went in the back and after a few minutes, she came out with {$5000.00} and gave it to me. 
I don't really know what has happened there, was i being discriminated or????. 
It was really sad that i have to go through that just to get my own money. What if they do this to the people that speak very little English or someone just do what the told from the teller, there have to be a better way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: EQUIFAX, INC.
State: SC
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:
my credit report with Equifax is split, which makes my credit report invisible to someone who is running my credit. Equifax can see my current accounts, but nobody else can. i have a reference number from a company here that has been working to fix the issue ... ref # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-04
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: Information belongs to someone else

Complaint:
I WAS REVIEWING A COPY OF MY CREDIT REPORTS AND NOTICED SEVERAL ACCOUNTS THAT DID NOT BELONG TO ME I CAN NOT BELIEVE THIS IS HAPPENING TO ME THESE ACCOUNT ARE WITHHOLDING ME FROM PROGRESSING PERSONALLY AND MY FUTURE ENDEAVORS THEY ARE TREMENDOUSLY AND NEGATIVELY AFFECTING MY LIFE AS WELL AS MY CREDIT, I HAVE FILED A POLICE REPORT AND A FTC 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
Consumer complaint received 2018-03-19
Company: Pinnacle Credit Services, LLC
State: WI
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 complaint is about XXXX XXXX selling my debt to Pinnacle Services LLC continuously. XXXX has been removed from my Credit reports onXX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Ive disputed this many times asking for validation of this debt and XXXX fails to do so which has resulted in their removal from my credit report, numerous times. Each time this company reports as a debt, my credit score is effected. Not only is my credit score in  jeopardy but so is my financial history. If XXXX can not validate this debt properly, why are they continuously placing this debt on my credit! My credit has taken a deep hit because of all of these reinsertions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-20
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: Their investigation did not fix an error on your report

Complaint:
Equifax, XXXX and XXXX all list a bankruptcy on my credit report for a mortgage through XXXX XXXX, and a car loan through XXXX XXXX XXXX and XXXX XXXX XXXX. I recently sold my house and sent the bureaus title paperwork and final invoice as well as insurance statements for the care on those accounts. I've asked them for information on who they've spoken with to verify this information and they only tell me that they verified it without the information I have requested. I sent dispute letters with supporting documentation on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and the inaccurate information is still there. I even uploaded the information for online disputes with the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: Experian Information Solutions Inc.
State: IL
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:
Experian is reporting incorrectly a late payment in XX/XX/2019 on the XX/XX/XXXXXXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I returned this vehicle ( 2 ) weeks after it was purchased. A full refund was given and therefore there was no outstanding debt to report and therefore no late payments to report. This incorrect reporting of a late is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this however, I have not been successful.

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 2019-09-21
Company: National Credit Adjusters, LLC
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
This happened in 2014 from XXXX XXXX XXXX in XXXX, CO. I took out a loan of {$220.00} and I submitted a check to pay the loan off and when I did, they recieved it, however they processed the check AFTER my account closed. 4 years later, I am getting certified mail from the company, and then getting threatening phone calls from out of state collectors claiming they are investigators, attorneys and telling me if not paid, then they are going to send a sheriff to issue a warrant for my arrest. 

Along with the original amount, they are attaching huge amounts that don't even make sense that reach up to {$3000.00} They have called me late night, showed up at my residence on a weekday around XXXX Needless to say, this issue concerns me, frightens me and probably ended up in the hospital due to me stressing over this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am doing the short sale and was on dispute value due to huge repair and damage per inspection. Lender had sent appraiser come out on XX/XX/2018 and appraisal report date XX/XX/2018 with value is {$510000.00} and current offer was {$510000.00}. They said offer is submitted for approval. Meanwhile, current buyer had backed out due to they cant move on with contract due to a lot of repair and they cant handle. We got another offer with same price to submitted to lender and the lender still come back asking {$650000.00} while dispute value based on inspection report include damage and come out last 30 days. I could not understand if the lender will help us out to avoid foreclosure or not. They dont practice in right place and take advantage of us and want to foreclose over helping us avoid it. I attached the appraisal report date on XX/XX/2018 for review. The value is true and cant change just for 30 days and market is so slow down and the lender is very ridiculous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: Experian Information Solutions 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:
XXXX, Experian and XXXX  all list a bankruptcy on my credit report for a mortgage through XXXX XXXX, and a car loan through XXXX XXXX XXXX and XXXX XXXX XXXX. I recently sold my house and sent the bureaus title paperwork and final invoice as well as insurance statements for the care on those accounts. I've asked them for information on who they've spoken with to verify this information and they only tell me that they verified it without the information I have requested. I sent dispute letters with supporting documentation on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and the inaccurate information is still there. I even uploaded the information for online disputes with the bureaus.

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 2019-09-20
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:
XXXX, XXXX  and Transunion all list a bankruptcy on my credit report for a mortgage through XXXX XXXX, and a car loan through XXXX XXXX XXXX and XXXX XXXX XXXX. I recently sold my house and sent the bureaus title paperwork and final invoice as well as insurance statements for the care on those accounts. I've asked them for information on who they've spoken with to verify this information and they only tell me that they verified it without the information I have requested. I sent dispute letters with supporting documentation on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and the inaccurate information is still there. I even uploaded the information for online disputes with the bureaus.

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 2018-03-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Around XX/XX/XXXX, I reopened my USAA checking and savings accounts. During this time, I was searching for a personal loan due to being in the final stages of building a home. By XX/XX/XXXX, I ended up applying to a lending company that asked a few questions I felt were about personal information, but I applied anyway and soon after that I started to notice suspicious activity occurring on my account and an unknown external account, which I never authorized to be attached to me account. I notified USAA as soon as I found out about this on several occasions and asked to have the account detached from my profile and the money returned to wherever it came from. I was told that the account belonged to XXXX XXXX when I spoke to one of the representatives and I explained to her that have never owned an account with XXXX XXXX. In XX/XX/XXXX, when deactivated the debit card attached to the account, I started receiving threating text messages and phone calls from someone regarding the money and this account. Immediately, I went and filed a police report at my local department. Shortly after, I received correspondence from USAA stating that they were no longer going to do business with me due to the suspicious activity on my account and although I made numerous calls before and after these letters, I had been given the run around and routed through several departments to be told that my calls were not recorded or there was nothing that could be done about the situation. In XX/XX/XXXX, I received two letters stating that USAA was able to garnish my Federal Income Taxes and my Military Pay. I dont know how this has been able to happen because I havent heard from this company since XX/XX/XXXX. I was a victim of fraud and I can not afford to have over {$6000.00} taken from me when I didnt paly any part in this situation and I notified this bank on numerous occasions to try to stop this from occurring. Can you please help me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: JPL Recovery Solutions
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX this company called me and then called my exhusband, and they only said, This is XXXX and they needed to ask questions about an investigation. I looked up their number online and it is JPL recovery. They did not state what company they were calling about or what money is owed. Only she needed to ask questions about an investigation. Today XX/XX/XXXX my brother that lives on northern part of this state text me saying this same XXXX left him a message saying she was researching some informing an individual that he knew .I have applied for some loans but never left my brothers name and certainly not my ex husbands name. .I called that number and I can only leave a message, nobody answers. They are harassing me and my family. They need to be put out of business.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
Company: EQUIFAX, INC.
State: WI
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:
I have a XX/XX/XXXX bankruptcy on my file that I have been disputing for over 1 year. Equifax keeps replying as accurate and verified. I even contacted my State court and they verified that they do not give out any information to third parties or credit bureaus. On XX/XX/XXXX I sent a certified letter to Equifax requesting physical documentation. They fail to send me physical documentation as requested. According to the FCRA section 609 ( a ) ( 1 ) ( a ) the credit bureau is required by law to verify through the physical verification any and all accounts that they post on a credit report. On XXXX XXXX I received another updated report with the same thing " verified ''. Also claiming that the information came from XXXX. I called XXXX XXXX on XX/XX/XXXX and spoke to XXXX and he did verify that Equifax did not request an inquiry of my public record. Also, I suppressed and froze my report with XXXX on XX/XX/XXXX. According to XXXX my file has a security freeze and credit bureaus will not have access to my file. So how could Equifax say they investigated and verified my dispute? ON XX/XX/XXXX filed a complaint with the BBB and they notified me after 30 days stating that Equifax has not responded back to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: Experian Information Solutions Inc.
State: GA
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:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ).

I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHERMORE I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION.

UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 

INQUIRIES 1. XXXX XXXX XXXX XXXX- XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XXXX- XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2021-05-05
Company: Westlake Services, LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XX/XX/XXXX I purchased a used XXXX XXXX XXXX XXXX VIN # : XXXX ) for {$14000.00} financed by Westlake Financial. The car dealer advised me to obtain GAP INSURANCE since the value of the car is less than the loan amount. I paid {$160.00} for the Gap Insurance thru Westlake Financial. 
On XX/XX/XXXX the car was involved in an accident ; XXXX declared the vehicle a total loss and sent an amount of {$9400.00} to Westlake Financial. The GAP Insurance was supposed to cover the remaining balance of the loan. 
To my astonishment, Westlake Financial sent me a bill for the remaining balance and I have to make a payment of {$240.00} on XX/XX/XXXX. I contacted them many times ( spoke to XXXX XXXX once ) and they kept telling me that they will remove the balance. I asked them to send me an email confirming that they will remove the balance, which they never did.

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 2018-03-19
Company: Experian Information Solutions Inc.
State: IL
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 OBTAINED A COPY OF MY REPORT AND IT CONTAINED MULTIPLE BANKRUPTCY FILINGS THAT ARE NOT MINE. I FILED A DISPUTE AND THE CASES REMAINED AS VERIFIED. I WAS INFORMED THAT THE CASES WERE VERIFIED WITH XXXX XXXX. THE REGULATIONS REQUIRE THAT THE REPORTING AGENCY VEIRFY THE INFORMATION DIRECTLY WITH THE COURTS AND NOT A THIRD PARTY FURNISHER OF INFORMATION. THEY HAVE FAILED TO VERIFY THE INFORMATION IN ACCORDANCE WITH THE REGULATION.

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 2019-05-01
Company: Experian Information Solutions 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 information incorrect

Complaint:
Student loan accounts were under Teacher Forgiveness. They were forgiven after completing long process with this agency. Everything was squared away. First this agency was servicing the account when it was forgiven. 
US DEPT OF ED/XXXX  XXXX Installment Closed XX/XX/XXXX US DEPT OF EDXXXX XXXX Installment Closed XX/XX/XXXX Then, after two years, this agency started servicing THE CLOSED FORGIVEN ACCOUNT [ XXXX XXXX XXXX ] and below is what they did to my previous TEACHER FORGIVENESS ACCOUNTS WITH US DEPT OF ED/XXXX Then, I have contacted XXXX XXXX XXXX  and tried to resubmit the same information that I submitted to US DEPT of ED/XXXX ; however, rude customer service representative, no answer in regards of my student loan forgiveness that I was already granted by the previous servicing agency and also accounts blow-up my credit report with seperate accounts in total of 15, while in the first agency it was a simple one account. 
I have did my time teaching and I am still in the education field in administration and I am trying to purchase a home, but these accounts that came up last year need to be removed from my credit report as they were in the first place forgiven. XXXX  XXXX XXXX does not care about the consumers and is not aware of the accounts they are actually servicing. My accounts were closed and forgiven through my employment at XXXX County Public Schools from XX/XX/XXXX-XX/XX/XXXX. 
Please review my case, I have been trying to contact this agency via mail and phone, but no response at all. 


XX/XX/XXXXXXXX XXXX XXXX {$2000.00} Installment Current XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX {$1500.00} Installment Current XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX {$13000.00} Installment Current XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX {$26000.00} Installment Current XX/XX/XXXX XXXX  LXXXX XXXX XXXX {$2900.00} Installment Current XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX {$5700.00} Installment Current XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX {$5600.00} Installment Current XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX {$4600.00} Installment Current XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$3100.00} Installment Current XX/XX/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 2021-06-03
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I went to ACE CASH EXPRESS to send money to my daughter and son in XXXX, using XXXX XXXX 3 months ago but only my son received his money on time, I have since tried contacting XXXX about the transaction but in vain. Can you please help me to track my money back

Company response to consumer: Closed with explanation