BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Spoke with XXXX XXXX XX/XX/2020 and Disputed with XXXX, Transunion, and XXXX in XX/XX/2020 reference to them reporting Account Status : Charge Off on my report and All Three Credit Agency reports different information. Also the amount of the car payment is incorrect {$560.00} and XXXX XXXX also reporting I still owe {$350.00}. ALL Credit Agency said Verified Information Is Accurate. I paid the car loan in full and the account was never sent to collection or written off. I have the car title and recorded conversations with employees and a letter from XXXX stating the car was paid in full and my title would be mailed in which I did receive.

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 2020-12-10
Company: CBC Companies, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
DataVerify was used by my mortgage lender to pull a Borrower Profile Report. 

DataVerify reported that I had a foreclosure on a past home of mine on XX/XX/15. I pulled the record in question from the XXXX XXXX XXXX NY clerk and the filing in question was a deed transfer. NOT a foreclosure. 

DataVerify NEVER looked at the document to see what it was and inaccurately reported the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have an issue with New Rez Mortgage. Their customer service number is XXXX. 

My mortgage loan is held by New Rez, and the number is XXXX. 

On XXXX I made a payment of {$1800.00} and XXXX I made payment of {$1400.00}. These payments were inteded for the XXXX mortgage payment of {$2800.00}. These I was unable ot make the payment all at once due to financial hardship. The sum of these monies was placed in " unapplied payments '' and ultimately ended up being placed as payments toward the principal agains my will. I have called the company eight times ( XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and twice today on XXXX in addition to having send several written requests ) times to have the issue resolved. Two tickets were requestesd, I've escalated to mamangment three times, and each time I have been told that my request is being handled. It has not been. I am afraid of losing my home due to the issue not being resolved. I am afraid of my credit and mortgage history being impacted negatively due to their inability to correct their mistakes. I have encurred over {$500.00} in late fees that New Rez said would all be refunded because of this. Today I was assured by manager XXXX XXXX that the issue would be resolved. I do not have any faith in this promise. I need help resolving this issue as it is a great cause of stress and worry as well as a financial stress that puts my family in a position of not eating and paying bills. 

Complete and full payments have been made every month, on time since that date. 

Thank you so much for any help you can provide! 
Warmly, XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX ( XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
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:
USAA refuses to honor the provision of the CARES Act that allows them to remove negative marks. They tell me that does not exist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: Experian Information Solutions Inc.
State: GA
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 a credit card with XXXX XXXX XXXX XXXX with a XXXX limit ... my due date always falls on the XXXX of each month ... on XX/XX/XXXX I paid my balance off which was XXXX dollars ... how ever I paid XXXX ... I notice my available balance became available but it was still saying I owed XXXX ... next 3 days still didnt update ... I called and ask whats the problem ... .It was told to me there system was updating ... .next 2 days no update ... I called again because it was saying I was delinquent and was given a late fee ... It was told to me there system is still updating and it will be corrected ... Next thing I checked my credit and they have reported I havent paid my credit card ... also its saying I used up 100 percent of my available credit ... which isnt true ... my credit has drop 100 points ... .which my credit was at a XXXX ... Ive contacted both the bank and credit agencies and they are refusing to fix it ... They have also falsified when I made my payment on my credit card and deposit ... need help in correcting this issue this is criminal.

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 2017-08-11
Company: Monterey Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Monterey Collection Service is reporting a collection account to all credit bureaus as a collection account that 's in the status as open, it 's also reporting a high balance and a balance owing and the balance goes up each month ... How is this possible when the account is supposedly a closed collection account. Instead of updating the account with " included in bankrupty, closed, { {$0.00} } balance '', they sent the account to collections. The collections comp any Monterey Collection Services has put a collections account on my credit report further ruining it when they should not have received the account in the first place. I contacted Monterey asking them to re move the account and they said they will not. The account was included in bankruptcy but I am continuing to receive letters demanding payment. I want this account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
My name is XXXX XXXX and my idenity was compromised between XXXX and XXXX while on XXXX XXXX. During which time several fraudulent accounts and inquiries have been opened in my name. Please see my attached FTC and police report to have these accounts and inquiries removed. 

Accounts 1. XXXX XXXX XXXX / XXXX  2. XXXX XXXX XXXX / XXXX   3, XXXX XXXX XXXX / XXXX 4. XXXX XXXX XXXX and XXXX XXXX Inquiries 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX  6. XXXX XXXX 7. XXXX XXXX 8. XXXX 9. XXXX XXXX 10. XXXX 11. XXXX XXXX 12. XXXX XXXX 13. XXXX XXXX 14. XXXX XXXX XXXX 15. XXXX XXXX XXXX 16. XXXX XXXX 17. XXXX XXXX XXXX 18. 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 2020-12-10
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to the COVID-19 crisis, my employer cut my income by 25 % starting in XX/XX/2020. I placed my mortgage in forebearance as allowed on under the law. My full pay was restored in XX/XX/2020. Since that time, I have made {$11000.00} in catch up payments and currently am not in default for my XX/XX/2020 payment. Despite this fact, LoanCare, XXXX  XXXX  XXXX, falsely reported on XX/XX/2020 to the the credit bureaus that I am delinquent. I called on XX/XX/2020 and explained that the reporting is a mistake. I spoke with XXXX ( ID XXXX ) and she spoke with her manager, XXXX XXXX ID XXXX XXXX who stated that they are placing the report to the credit bureaus under review but that there was nothing that they could do otherwise. The review takes thirty days. The problem is that I am scheduled to close on a refinance on my home by the end of XXXX. I would be grateful if the CFPB could remove this false delinquency from my credit report. I obtained a permitted forebearance under the law and made good faith payments to catch up the mortgage and am a victim of false credit reporting.

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 2020-07-16
Company: EQUIFAX, 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 continuously received bills in the mail that i was sent to collections. I wondered for months what in the world these bills were for. I knew I always paid all my bills and opened accounts on time. I decided to finally get a copy of my credit report to make sure all my accounts were in order. Igot my report back and I was furious with the anount of items on my report that I know do not belong to me. Please remove these items off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
TransUnion File # XXXX XXXX Names Reported : There is no XXXX XXXX  XXXX XXXX and I have never applied for credit in that name. TransUnion has added or has a name on my credit file that is not no name I have used in any way to apply for credit at anytime

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 2021-01-21
Company: EQUIFAX, INC.
State: WI
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 have been trying to apply for a new auto loan. My bank checked my credit with Equifax, but the bank said they were unable to obtain a report from them. I had previously frozen my credit after the Equifax data breach, but had subsequently unfrozen it. When I tried to contact Equifax, I had to go through a series of questions to verify my identity, but some of the questions I was being asked were for accounts I didn't have ( but my son used to have, like student loans, etc. ). Now I've been locked out. I wrote Equifax, according to their instructions. It has been a month with no call or mail reply. The lease on my current vehicle expires soon, and I seem to be stuck.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently checked my credit report on XX/XX/XXXX XXXX and saw a collection account on my credit that I never had. The collection is from Navy Federal Credit union for 2 different accounts the amount of the first account ( # XXXX ) is XXXX. The second account number is ( # XXXX ) .I sent out a certified letter to the company requesting documents proving this was my account such as anything I have sign with them along with a copy of my social and driver license to prove to me that I have in fact had this account. The letter was mailed out via USPS CERTIFIED MAIL on XX/XX/XXXX and it was received and signed for on XX/XX/XXXX. In the letter I asked the company to provide me with the requested information within 30 days but they have yet to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Army and Air Force Exchange Service
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I did not open a credit card with a company. Ive tried to call but no one never gives me any information about this card and how it got opened in my name

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 2018-04-01
Company: AES/PHEAA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Several years ago, i was misinformed of my deferment period to repay my student loans. I later returned to score, and resume course work. I had my previously loans consolidated. Upon checking my credit report, i noticed several late marks that drastically damaged my credit score. I attempted to contact the company who reported this listing via fax, mail, and over the phone. I wrong goodwill letters explaining the situation, and contacted a rep via phone whom just kept transferring me and ultimately saying i needed to dispute this through the credit bureaus which i've also done. My records on file show that these accounts are all paid in full, {$0.00} balance but have several missed and late payments that i would like to be removed, especially due to the status of those accounts at the time. Please see that this request is honored and investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: Ability Recovery Services, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On  XX/XX/2017 , I sent a letter to the credit bureau requesting an investigation of an account in collections that I saw on my credit report that does not belong to me. The credit bureau replied that they verified the account. So I send a letter direclty to the collection agency asking them to please send me the signed medical documents for this debt that is not mine. As of today  XX/XX/2017  I have not received a response from the collection agency, however the account is still listed on my credit  report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: FIRST CITIZENS BANCSHARES, INC.
State: TN
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 have contacted the credit bureaus on inquiries that were not mine they said they cant take them off. they cant dispute them they remain for two year. this may be the case if I authorized those inquiries but I did not. they told me to contact the creditors pertaining to the in inquiries which I did. they said I have to contact the credit bureaus. so between XXXX, XXXX and XXXX I am getting the run around with no type of help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: Avant Holding Company, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Unrecognized Charges XX/XX/2021 XXXX XXXX NY XXXX XXXX XXXX NY XXXX XXXX XXXX NY XXXX XXXX USED TIRES XXXX NY XXXX XXXX XXXX NY XXXX XX/XX/XXXX CALLED REPORTED CARD LOST AND HAD UNAUTHORIZED CHARGES. 
XX/XX/XXXX MAILED A DETAILED LETTER DISPUTING CHARGES.NO RESPONSE. 
XX/XX/XXXX SUBMITTED FAX LETTER DISPUTING CHARGES RESPONSE RECEIVED PENDING INVESTIGATION. 
XX/XX/XXXX LETTER MAILED TO ME STATING CHARGES ARE AUTHORIZED. 
XX/XX/XXXX SUBMITTING FAX DISAGREEING WITH RESULT ASKED TO POROVIDE AN ACCVURATE STATEMENT, RECEIVED NO RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: Paypal Holdings, Inc
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have been a customer of PayPal since XX/XX/XXXXwith several successful transactions of both buying and selling, with no issues. I sold 2 pair of shoes on XXXX  and up omg receipt of payment PayPal has held the funds, giving me no access to them until 24 hours after shipment has been delivered. This makes it impossible to pay for shipping or other related expenses associated with the transaction. In addition, PayPal gave me. {$11.00} cash back and when I made withdrawal to my bank, they made me send picture of drivers license, take a selfie and then held my withdrawal for another day when they offered me instant withdrawal to my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: BB&T CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I wish to bring to your attention about a letter I received from BB & T recently regarding amount owed. To give some background, I had previously filed a complaint with CFPB against BB & T and the account opening process with them ( Case # XXXX ). This case was resolved almost 2 years ago, with the bank ( BB & T ) offering to waive the charge off amount {$400.00} for the bank account. A copy of that letter from the bank ( BB & T ) is attached here. I have not had any banking relationship with BB & T after that. 

However, I received a letter recently in the mail claiming that I still owe {$400.00} and that they can settle for {$280.00}. The mail does not give any information to contact them and that I can mail the check or money order in the self addressed envelope. This came as a surprise to me as this case was resolved almost 2 years back and now I am being asked to settle this amount after their agreement to waive this amount. 

This practice of coming after the customer after agreeing to waive the amount is not professional. The letter sent in the mail also does not help in any way to contact them to speak about this. Hence, I am requesting CFPB to pursue this matter and assist me in dealing with them. This is causing me distress and time loss in looking into this issue and I feel I am also entitled to be compensated for this. 

Thank you, 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 2018-12-04
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX Account XXXX and XXXX XXXX XXXX XXXX Account XXXX ARE UNVERIFIED. 

Experian has not provided proof of physical verification of the original signed consumer contract its has on file pursuant to Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ).

Experian HAS NOT PROVIDED METHOD OF  VERIFICATION

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 2020-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I closed my Capital One Bank account around XX/XX/2020. A check in the amount of {$23000.00} was supposed to be mailed to me. 

According to Capital One Bank 1. Capital One Bank mailed the check to a wrong address 2. when the check never got to me Capital One Bank setup a case and told me they had a month to respond 3. after MANY phone calls by me to follow up, I was told by the bank that my case went to the wrong department in Capital One Bank. I spoke with numerous bank representatives along the way, none of whom would provide their last name. I explained the financial hardship this was causing me. 
4. Capital One Bank told me that they could not email the forms they needed, that I had to wait for another case manager 5. I was assigned another case number and on XXXX received an email with the affadavit form and fax instructions on XXXX from " XXXX '' case # now XXXX. 
6. I had the form notarized and faxxed to Capital One Bank on XXXX XXXX. by XXXX XXXX no check had arrived, so I called XXXX at Capital One Bank and left a message asking for a call back phone number XXXX ext XXXX XXXX by XXXX no check had arrived and XXXX had not returned my call. I called his extension and a recording told me that extension was not in service 9. on XXXX I called the bank again and spoke with " XXXX XXXX who took my information and promised to get back to me by XXXX. I explained the financial hardship this was causing me. 

PLEASE let me know what else I can do in this situation. I was a customer of a local bank for over 30 years before they were purchased by Capital One Bank. It's outrageous that a bank can hold my money, send a refund check to a weird address, and then stonewall on providing the forms. I have spend over XXXX hours on the phone, and am still waiting for my funds. 

Thank you kindly for any help or advice you can provide. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation