BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-07
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: DC
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:
Bayview Loan Servicing, even while knowing that the information that they have on our mortgage account is incorrect, sent in this wrong information to the credit reporting agency, causing our credit scores to plummet at the same time that we are attempting to refinance our mortgage loan. 

Bayview has incorrect information about our property tax escrow account -- we had already appealed this information and had the corrected tax documents sent from the District of Columbia to XXXX XXXX   ( who previously held our mortgage ). Bayview bought this mortgage, ignored the corrected tax information, and then reported out accounts as delinquent. We contacted Bayview immediately upon learning that their information was incorrect, but they still went ahead and reported the account delinquent to the credit reporting agencies. 

We are attempting to refinance our mortgage, however, Bayview 's actions are causing us both direct financial harm and preventing us from leaving Bayview 's portfolio.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: ROBINHOOD MARKETS INC.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Robinhood has locked my account, an account that hasn't had a trade executed in several years and which the account balance is {$140.00}. They will not let me withdraw the money and have not responded to multiple requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX and there is XXXX XXXXXXXX XXXX XXXXXXXX, IN XXXX. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: Experian Information Solutions Inc.
State: NC
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 received an alert from XXXX XXXX saying that a hard inquiry was done by XXXX on XX/XX/2019. After doing research it is : XXXX Bank via XXXX. I did not initiate or authorize any new accounts or applications with either institution. I called the number on my Experian credit report : XXXX ( XXXX ) and the agent looked up my phone number and email address and said that she isn't seeing anything. She emailed ( via XXXX app ) me information on how to dispute the hard inquiry. If there is no record of anyone trying to open a new account, then that means XXXX ran my credit without my permission. I am in the process of disputing it with both Experian and 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 2019-05-07
Company: National Credit Systems,Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2014, I was accused of living in an apartment in XXXX, GA. While attending college my wallet was stolen, in my wallet included my ID, credit and debit cards, and my social security card. I assume that this took place in the duration of my Junior year. I was living on campus at XXXX XXXX and never had a need to live off campus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I bought a mattress last year. At the time of purchase, I agreed to pay 0 % interest for 12 months. At no time did the representative explain to me that if I didn't pay the full amount in 12 months, the company would charge me the interest rate for the entire 12 months. I am on a limited budget and tried to pay the full amount. The agreement was over XX/XX/XXXX. I have never missed a payment and had a balance of {$290.00}. When I received last months bill, the bank added {$190.00} in interest charges. I called the bank twice to see if they could work with me since I am on a limited budget and did not understand that I would be charged all this interest. They refused. I feel this is unlawful. First no one properly explained this to me at the time of purchase. In all good faith, I tried to fulfill the agreement, I asked if they could forgive the interest if I paid the bill in full. My sister said she would help me. They refused. Why do you keep letting these banks charge 29.99   % interest to begin with and then charge a ridiculous amount when a balance is almost paid of? 
I am writing to Congress. These banks have to stop their unfair business practices at the expense of the elderly. I want the bank to know this is unfair and they should be willing to work with someone who has a limited income.

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 2019-05-07
Company: WELLS FARGO & COMPANY
State: AL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
WellsFargo Home Mortgage states two payments are due on : Mortgage account : XXXX. 
Payment due are XXXX and XXXX XXXX Bank shows that the funds were taken out of our checking by WellsFargo from bill pay transactions : XX/XX/2019 Tran conf number XXXX XX/XX/2019 tran conf number XXXX When discussing the issue with Wells Fargo, they say that they think they have an old lockbox that was given to use by the WellsFargo collections department caller and that the money will eventually be returned to XXXX when, or if, they find the money sent to the old lockbox. 

All we know is that we sent entered the address that WellsFargo provided and that they removed the funds from our checking account by ACH. We would like the money found and applied to our mortgage.

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 2020-02-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I had the fraudulent transactions on my account and they refuse. To give me a provisional credit available to me to make purchases

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I am reopening a previous complaint with Transworld ( XXXX XXXX XXXX XXXX XXXX XXXX ). I am now seeing discrepancies between parties XXXX XXXX and Transworld.  I recently reached an agreement to pay a lump sum with said company XXXX XXXX XXXX XXXX XXXX XXXX ( Transworld ) through the XXXX XXXX as stated in their closing. They stated they saw no XXXX XXXX. I will be attaching my DD214 ( Social Security Number blackout for Confidentiality ). Also, i see on the loan it is at {$9900.00}. However, XXXX XXXX states nearly {$16000.00} the total loan has come up too. Our agreement of the lump sum payment. Where are all these extra funds coming from. Also, the transaction history starts in the year XXXX  however the disbursement date was effective XXXX. Where are the 5 lost years of information? i will also be reaching out to my mother to find documentation on her trying to talk to XXXX XXXX XXXX XXXX XXXX XXXX. I know Transworld, XXXX, and several other comapnies. Where are the other 5 years. I will also attach the previous letter as well. I need answers everything seems very very fishy. if you waited 5 years to buy this loan or missing 5 years of documentation. how is that possible? Also I am adding the transaction history of the loan to show of where it starts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2017-12-13
Company: Duncan Solutions, lnc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXXl 2017, we were driving from Florida back to Kentucky through Georgia. We drove on a toll road without being advised that it was a toll road. After filing entrapment complaints, we decided to go ahead and pay the fee. We have received three threatening letters from Professional XXXX XXXX, XXXX in XXXX threatening us by damaging our good name and credit rating. I have repeatedly called and the answer I get is that the threatening letters are computer generated. I am tired of receiving threatening letters from this company and demand a written apology and a promise to stop this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Each time I applied for XXXX and XXXX XXXX my loan was sold to another company and I'd have to start over, since it was a new lien holder. Each time it was sold my balance was increased by many thousands of dollars. That's not including interest. Then, when I finally do get to be reviewed for XXXX ... I'm rejected. I learned that out of over 5000 individuals who applied, around 200 were approved during the time I applied. That's not very much! 
I also learned that a woman in XXXX recently sued, having been XXXX, ( as myself ) by the SS Department, and she won - despite Public Law 104-134. 
I'm so XXXX that there are times I can't even move or ambulate at all. I'm bedridden  for hours out of the day. Other days I'm a bit better and can get out of the bedroom. I'm XXXX and there's no doubt about it. A XXXX XXXX Doctor through the SS Administration ruled in my favor in a XXXX Federal Court that I'm XXXX. So what's the problem here!? Why am I being denied XXXX and XXXX XXXX dismissal of my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: Netspend Corporation
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Changes in terms from what was offered or advertised

Complaint:
I signed up for the Ace Flare prepaid card. When I signed up there was an offer that advertised an account opening bonus of {$100.00} after you had a direct deposit within the first 60 days of {$500.00} or more. The bonus would be paid in 30 days from that. 

It has been not only 30 days but even 30 business days ( I was told this after I inquired after 30 days ). Then they told me I needed to have a {$500.00} direct deposit for 3 months in a row, although I can find nowhere on the terms/conditions where this is listed. 

I have contacted them several times but the agents were either unaware of the offer ( still listed on their website, by the way ) or were saying things about the 3 months of offer.

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 2019-10-01
Company: U.S. BANCORP
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
While reviewing my checking account online XX/XX/19, I discovered I had incorrectly mailed my mortgage payment to my utility company and my utility payment to US Bank Home Mortgage. Despite my check being made out to XXXX and noting my utility account number on the memo line, and the check amount of {$250.00} not matching the payment amount noted on the returned tear-off, US Bank submitted the check to XXXX XXXX XXXX for payment. However, because the deposit wasn't enough to cover my monthly payment, the funds were not applied to my account. Well, US Bank asserted the funds were in my account, it was just 'suspended. ' Upon discovering the problem, I contacted my bank and was told the funds had already been distributed to US Bank and could not be recalled according to their policy. Most of that day I was making phone calls to my utility company and the various entities who I believed had jurisdiction over them. At the end of the business day, I received a collection call from US Bank collections department. I explained the mistake I had made and asked how could US Bank fraudulently present a check for payment that was not written to them and then hold those funds without applying them to my account. I was told payments are processed through an auto processing center and besides, I mailed the check to them. I asked why they had not called me on XX/XX/XXXX. I believe the response was they didn't have a department to handle such scenarios, that there was no way they could call customers every time a partial/incorrect check is received. Despite explaining my struggle with the utility company 's delay in refunding the stolen monet, I received another collection call Friday! After securing a short-term loan from my bank today, I asked the collections department to waive the {$15.00} late fee. However, they refused stating they had already waived the {$11.00} fee for processing a payment with a representative over the phone. I asserted had they given me the courtesy of a phone call on XX/XX/XXXX, I could have resolved the issue before the XXXX of XXXX late fee deadline.

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 2019-10-01
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: Information belongs to someone else

Complaint:
equifax and XXXX XXXX data breach caused my credit to have th XXXX  account ftc that was removed and put back on fcra violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: EQUIFAX, INC.
State: IL
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 sent several letters that the inquiries do not belong to me and if they have proof show me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} ; XXXX  XXXX XXXX XXXX XXXX XXXX {$1400.00} ; XXXX XXXX XXXX ( XXXX creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$340.00} ; XXXX XXXX XXXX ( Original creditoXXXX XXXXXXXX XXXX XXXXXXXX XXXX TX ) XXXX Balance : {$5600.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX  TX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$4500.00} ; XXXX XXXX  ( Original creditor : XXXX XXXX. ) XXXX Balance : {$760.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$7200.00} ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-10-01
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint submission is in regards to a false credit report by LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with a few representatives who were all extremely rude and refused to give me any information reguarding this alleged debt. I then spoke with another representative who gave me their company 's fax number so I could forward them a Debt Of Validation letter, which was sent on XX/XX/2019. It was confirmed through fax confirmation that LVNV FUNDING LLC representative had received the files ; however, after 30 days of notifying them, still no response. At this point in time LVNV FUNDING LLC has failed to provide any proof of debt and/or anything in signature or judgment by law stating I was obligated to pay them the total of ( {$13000.00} ). I have never made any agreement with them or with the original creditor to pay anything nor was I properly notified of this false reported debt. After several attempts to rectify this matter, LVNV Funding then sent my personal information to a 3rd party referred to as ( XXXX XXXX XXXX ) who claimed to represent the company. At that point, they began demanding more personal information and stated I need to pay them in regards to the debt owed. I am firmly requesting LVNV FUNDING LLC immediately remove me from their systems and update all 3 major Credit Bureaus ( XXXX XXXX XXXX XXXX ) on this action. At this point they have failed to provide any competent evidence or any legal obligation. LVNV FUNDING LLC is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g, and if this report is not updated immediately I will be taking legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: SC
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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX Balance Owed : {$990.00} XXXX XXXX XXXX XXXX Balance Owed : {$800.00} XXXX XXXX XXXX Balance Owed : {$3600.00} XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation