BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-13
Company: BBVA FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Dear Consumer Financial Protection Bureau, CFPB : BBVA, Banco Bilbao Vizcaya Argentaria, Bank ( headquartered in XXXX and XXXX Alabama ) IS NOT IN COMPORTMENT WITH REGULATION E.

( 1 ) I FILED A DISPUTE on XX/XX/2020 ( SUNDAY ) to facilitate A CHARGEBACK to XXXX XXXX located at XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, Georgia XXXX ) in the amount of {$840.00} ( {$590.00} directly charged to BBVA debit card ) because XXXX XXXX committed FRAUD AND THEFT BY DECEPTION AND THEN BECAME MENANCING. The XXXX Georgia ( ZONE XXXX Cops ) were notified and A POLICE REPORT FILED ( XXXX ). XXXX XXXX and XXXX have been issued a notice to CEASE AND DESIST LETTER for annoying and harassing email and telephone calls. BBVA bank is refusing to issue the REFUND NOR ( AT THE LEAST ) A PROVISIONAL CREDIT TO MY BBVA ACCOUNT PURSUANT TO REGULATION E. I REQUIRE MY MONEY AND ALL STEPS HAVE BEEN TAKEN FOR BBVA TO ISSUE A CREDIT OF {$840.00}. 

( 2 ) BBVA IS REFUSING TO HONOR A REQUEST FOR DEPOSIT OF {$250.00} PROMOTIONAL INCENTIVE FOR OPENING THE BBVA ACCOUNT ( MEGA2019, ACCOUNT OPENED ON XX/XX/XXXX, XXXX-TUESDAY ) despite FULFILLING ALL REQUIREMENTS. I MADE THE REQUEST BECAUSE AN EMERGENCY HAS ARISEN AND I NEED MY MONEY NOW. 

BBVA IS ALLOWING RANDOM ACTS OF FRAUD TO BE COMMITTED ON MY BBVA ACCOUNTS ( WHICH ARE IN EXCELLENT STANDING ) AND I AM ENCOUNTERING THE INCONVENIENCE DUE TO BBVAS LACK OF ACKNOWLEDGEMENT TO UNITED STATES FEDERAL REGULATIONS AND BBVAS INCREDULOUS LACK OF EFFORT IN HOLDING THE CRIMINAL MERCHANTS ACCOUNTABLE. 

Sincerely and Respectfully, XXXX XXXX XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
XXXX/XXXX - Last reported XX/XX/XXXX - Charged off / Closed - Last payment XX/XX/XXXX - Credit Limit XXXX is falsely reporting the above credit card, I have tried disputing it with XXXX however they will not remove this account as it has been paid in full since XX/XX/XXXX to the collection agency that bought this debt. 

Equifax Dispute information : CREDIT FILE : XX/XX/XXXX Confirmation # 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 2017-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
A computer glitch was transunion 's problem-not mines- caused my inquiries was deleted. Transunion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted transunion in good faith to ask them to delete the inquiries that they had illegally re-added. I spoke with XXXX XXXX @ XXXX XXXX on XXXX XXXX, 2017 he told me that the department was closed that handles that problem and he did n't have to give me his ID # that his name was all the information I needed. These inquiries add a hardship and that my rights were violated by transunion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-05
Company: Experian Information Solutions Inc.
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:
I have already reported speedy finance to this institution consumer finance and to experian XXXX  and XXXX  and somehow they keep sneaking in and adding the same debt that was reported and not confirmed to all 3 comapnies after all 3 companied removed them can someone please explain why these companies can keep sneaking in debt as collections after all 3 XXXX  experian and XXXX  have removes them in the past. As a matter of fact consumer finance already has a report on speedy finance. This is outragous.

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 2021-08-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On or around XX/XX/2021 when signing up for timeshare as a single individual there was no credit pulled or stated due to property was being taken over at the same rate and amount that was owned by the original owner. Three months later I noticed westgate being report without my written consent

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 2019-01-30
Company: CarMax, Inc.
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: Account information incorrect

Complaint:
In XX/XX/XXXX, I obtained a vehicle through XXXX XXXX XXXX. In mid XXXX, I started received notifications that my car payment was reported late almost every month until I traded the car in and got a new lender. I contacted Carmaxx during my current loan with them as well as on XX/XX/XXXX. I called and ask to speak with a supervisor, letting her know of my concerns for the inaccurate reporting of late payments. She basically told me there is nothing she could do to update the information anymore because I am no longer a customer. I explained to her that I have previously called numerous times to get this resolved, and I put in several complaints with each bureau. Carmax has repeatedly said this information was correct. 

I really need help getting this inaccurate information updated because it is affecting my credit in a negative way. All of the dates below are inaccurate. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX My CFPB complaint was that I believe USAA are criminals frauding consumers after they experience fraud. USAA HAS NOT RESPONDED other than deny any wrong doing claiming all credits are applied correctly WITHOUT ALLOWING CONSUMERS TO VIEW INTERNAL CREDITS & SEE WHAT BECOMES PERMANET CREDIT. They take advanage of those in bad situation. All USAA credits are temporary to begin and USAA coverts all fraud to disputes to create temporary credits internally that never become permanet. ALL USAA CREDITS ARE INTERNAL.I have never seen the permanet credit I was supposed to get letter XX/XX/XXXX documents. This letter, provided previously says Fraud credits for XX/XX/XXXX claim {$470.00} temporary credits HAVE BEEN MADE PERMANET but I am never alliwed to see these INTERNAL CALCULATIONS. There are NO PERMANET CREDITS I CAN SEE. It took USAA 10 months to complete this fraud in my favor. It was first converted into a dispute putting temp credits that BECAME CREDIT REVERSALS NEW PURCHASES. I called today, spoke to XXXX ASKED TO SEE MY INTERNAL CREDITS he says consumers are not privy to internal banking. Fraud Reported XX/XX/XXXX HAS NEVER GOTTEN PERMANET CREDITS BUT THOUSANDS OF DOLLARS OF CREDIT REVERSALS the temp credits created. How can USAA never allow me to view credits? How can they Not investigate fraud? XX/XX/XXXX fraud {$470.00} took til XX/XX/XXXX to complete this very first fraud that occurred on my account and this is just the beginning.This account was first used XX/XX/XXXX FRAUD IMMEADTELY OCCURRED. STILL NO RESOLVE but USAA SAYS ALL GOOD. USAA CAN NOT BE TRUSTED. They deny wrong doing after being fined MILLIONS. CLEARLY USAAs ATTITUDE OF ABOVE LAW DO NO WRONG HAS NOT CHANGED AND USAA CONTINUES WITH UNFAIR BUSINESS PRACTICES OR EVEN CRIMINAL ACTIVITY. Guess they are playing Follow the Country Leader. Fines do not stop them. What will?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
This is the issue with my current student loan I have a balance close to {$25000.00} remaining on my loan its a federal student loan. I'm a former student at XXXX XXXX XXXX ( XXXX ) it was shut down because of fraud. Navient is the current provider of my student loan which is also facing litigation of charging students higher interest rates I believe my current loan of {$25000.00} should be forgiven because of of the two identities mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Opened a CitiBusiness AAdvantage card on XX/XX/2020. There was a sign up bonus offer of XXXX XXXX XXXX miles if I met the minimum spend of {$4000.00} withing 3 months. I met the spending threshold within the 3 months ; I never received the signup bonus. I have spoken with Citi on 12 occasions to discover and remedy the problem. Citi bank claims I already received this sign up bonus, but they have confused my business with my XXXX XXXX  business since we operate out of the same address. I eventually got their business team to agree that they made a mistake, but it appears someone on their side " dropped the ball '' any they are still refusing to award my bonus.

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 2019-10-07
Company: Experian Information Solutions Inc.
State: UT
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 paid off my van. The van had a loan through our credit union- XXXX XXXX. The van is paid off however now the credit on our report says that it is a " Closed account '' and instead shows that the account was closed so this harshly is affecting our credit. We need this to be changed and show that a debt was paid off in full and successfully so this does not damage out credit score.

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 2019-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 paid off my van. The van had a loan through our credit union- XXXX XXXX. The van is paid off however now the credit on our report says that it is a " Closed account '' and instead shows that the account was closed so this harshly is affecting our credit. We need this to be changed and show that a debt was paid off in full and successfully so this does not damage out credit score.

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 2019-10-25
Company: DISCOVER BANK
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I received a mailed advertisement from Discover about their Discover It card. As I've been looking to replace my current credit card I followed the links and prompts listed in the information to find out what my credit line would look like with that new card. In completing the application I was notified an account was created, which is not what I expected -- I was merely trying to get an estimate of my line of credit. I immediately called the customer service number ( XXXX ) and told I am not able to cancel the account until documents are generated in the coming days, leaving me unable to close an account I never wanted to open in the first place. I expressed my concern to the employee, XXXX ( employee # XXXX ) who reiterated and confirmed she wouldn't close the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-13
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:
New Inquiry A new inquiry has appeared on your credit report. Here are the details of this inquiry : Date Reported : XX/XX/XXXXAlert Type Inquiry Processed Date XX/XX/XXXX Inquiry Date XX/XX/XXXX Inquirer Name XXXX Address XXXX XXXX XXXX, XXXX, OH, 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 2020-02-13
Company: State Collection Service, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I Have received medical treatment for various reasons, including an accidental fall at a XXXX store thru XXXX XXXX  XXXX. The medical bills from this accident, has been submitted properly to XXXX because XXXX has neglected to pay anything. I have being in therapy for a year now, XXXX 's and other specialty treatments have taken place because of this. XXXX health has also treated me for other important tests proper of women 's health. XXXX has paid all of this bills reasonably, but XXXX has continously sent us billing even if I am not visiting the hospital, to a point where I dont know if we are paying more or not or the same bills. Without prior notification, this bills have been placed on my credit report, and has created our economic situation worse, because my husband, who is a XXXX veteran, has even paid some of these out of our own pocket to avoid them damaging my credit, but the problem is, now I have 4 colelctions and always from diffrent colectors with no prior notice of neither. By the time we get the bill, this are on my record. My husband, who is a former medical manager from the XXXX, has told me, that they might also be violating the federal law, because supposely when they charge and accept XXXX, that suppose to be final. 

By the dsame token, XXXX XXXX is overcharging, by dividing one visit into different medical professionals within the same clinic for that one visit, so i keep getting bills as if we were reach. 
The last bill I got for {$3000.00}, stated for us to contact XXXX to pay them, because they have not succeeded. Why should we do work of this anture for free and we dont know the process, they have been getting paid all along, and suddenly, Iam afraid this debt is going to suddenly show up on my credit. You will see that my credit has been ruined by this medical company in a short amount of time. 
Also, froederert hospital does the same XXXX and charged me only XXXX dollars as a residual for a bill of similar charges by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 asked that the credit reporting bearu verify the errors reported on my credit report and send me the results with all original documents supporting their findings per section 609 of the FCRA, I havent received any documentation and still theyre reporting numerous thats causing hardship in obtaining housing, credit, and employment.

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 2017-07-13
Company: Experian Information Solutions 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: Information is missing that should be on the report

Complaint:
The name of the bank is suppose to be XXXX XXXX XXXX XXXX instead on my XXXX credit report it lists at manufactures and trades. There is no contact information for this creditor on my XXXX credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
In XX/XX/XXXX, I obtained a vehicle through XXXX XXXX XXXX. In mid XX/XX/XXXX, I started received notifications that my car payment was reported late almost every month until I traded the car in and got a new lender. I contacted XXXX  during my current loan with them as well as on XX/XX/XXXX. I called and ask to speak with a supervisor, letting her know of my concerns for the inaccurate reporting of late payments. She basically told me there is nothing she could do to update the information anymore because I am no longer a customer. I explained to her that I have previously called numerous times to get this resolved, and I put in several complaints with each bureau. XXXX has repeatedly said this information was correct. 

I really need help getting this inaccurate information updated because it is affecting my credit in a negative way. All of the dates below are inaccurate.

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 explanation
Consumer complaint received 2021-04-12
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: Investigation took more than 30 days

Complaint:
I previously sent a dispute letter to XXXX  and Equifax dated XX/XX/XXXX, letting them know that I was a victim of identity theft and the XXXX XXXX XXXX charge/offs needs to be removed, but neither Bureau hasn't yet responded after 30 days, so now I'm filing this complaint because, federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt was sold to the creditor from a different company. I did not go into contract with portfolio recovery and they are unable to produce paperwork stating that I have a contract with their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I had a 12 months no interest equal pay program that I was using to purchase a piece of jewelry from my wife at XXXX XXXX. The plan is no interest if you pay all 12 equal payments. I made 11 payments consecutively on the XXXX of every month for XXXX dollars per the arrangment. The last payment of XXXX was also made on the XXXX of the 12 month of the plan. This last payment was made on XX/XX/2019,  the due date using their auto pay system. 

Comenity Bank, XXXX XXXX card issuer, charged me accrued interest on XX/XX/2019 of {$380.00} stating that my account cycled on XX/XX/XXXX and therefore the promo expired before my payment was due. 

I am complaining because not only is this an unfair practice to customers but also because I made all of my payments on time per the schedule and the amounts that they provided me. 

I would like for Commenity to credit my account for {$390.00} and to reimburse me for the minimum payments that were taking from my checking account on XX/XX/19 ( {$30.00} ), XX/XX/2019 ( {$30.00} ), XX/XX/19 ( {$30.00} ) and XX/XX/19 ( {$35.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: Experian Information Solutions Inc.
State: IL
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 personal information was involved in a data breach a few years ago. 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