BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-15
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Your company did not properly credit the payment that I made on or about XX/XX/XXXX for {$9900.00}. This payment should have been credited to all the missed payments from when I was on forbearance plan during the period of XXXX XXXX. To this date, I am still not sure how this amount was credited in the account. Currently it shows also that my payments starting XX/XX/XXXX through XX/XX/XXXX have also been deferred and I have not requested this deferral. 
I have called customer service at loancare multiple times and spoken to so many people and this issue has yet to be resolved. I have been in contact with loancare since XX/XX/XXXX to resolve these errors and nothing has been done. 
The last call that I attempted to make was on Friday XX/XX/XXXX and I spoke with team lead XXXX ( Agent ID XXXX ) who advised me she will be working on the issue and try to resolve it for me. To this date, I have not heard anything back from her. 
I have spoken to XXXX XXXX team lead at LoanCare, XXXX, XXXX ( agent ID XXXX ), and specifically my large payment that was supposed to be applied to my forbearance period was made with ( XXXX agent ID XXXX ) on XX/XX/XXXX. 
All these names of agents that I have spoken to all failed to keep up their word and to help me out with the issues in my account. This is taking so much time and effort out of my day at work. Some of the names of the agents I did not even write down because I did not think anything was going to happen anyway. 
LoanCare failed to provide an accurate mortgage payoff balance that I requested on XX/XX/XXXX. I received my payoff statement reflecting a second principal mortgage on the account in the exact balance that I paid which was {$9900.00}. To this date, I am not sure why LoanCare added a second mortgage on my account without my consent and even after me paying my FULL balance due for my forbearance period.

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 2017-08-04
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Not given feasiable options and icrease loan amount without assistance to consolidate or adjust crippling payments

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I requested a credit line increase to {$2000.00} on XX/XX/2018 through American Express 's Online Credit Line Request System. I then got an email shortly after saying to call for the result of my request. I called after I read the email and was told that my request to increase my credit line to {$2000.00} was approved. I then started to make purchases on my card only to find out my credit line was {$1000.00}. I have made repeated calls to XXXX to find a resolution to their mistake. They keep running me through their phone maze, " disconnected calls '', gaslighting me into believing that conversation never happened and even having the audacity to try to explain to me how the remaining amount on my available credit is smaller than the purchase I'm trying to make. IE 2 is a bigger number than 1. I have the conversation on XX/XX/2018 recorded with their representative explicitly saying I am approved for a {$2000.00} credit line which I have attached to this ticket.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 HAVE MANY INQUIRES ANS APPLICATIONS ON MY CREDIT PROFILE THAT I DID NOT AUTHORIZE OR GIVE ANY ONE CONSENT TO USE MY SOCIAL SECURITY NUMBER THESE INQUIRES ARE FRAUDULENT ON MY CREDIT PROFILE

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 2020-11-14
Company: OneMain Finance Corporation
State: AL
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:
Im a victim of identity theft and I have multiple hard inquiries for accounts I do know have and not aware of applying for

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
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:
In XX/XX/2020 USAA Savings Bank added inquiries on my credit report per XXXX XXXX. These inquiries were not authorized in writing by me. These inquiries were disputed and unsuccessful removed by the credit bureaus. According to the FCRA, USAA Savings Bank has violated my rights as a consumer And Im requesting legal action to remove these inquiries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Experian : Has an item from XXXX XXXX listed on my credit report ACCT # XXXX I have asked them several times to send me verification of this item they never do. This is an item dated XXXX/XXXX/XXXX but on another agency the item is dated XXXX/XXXX/XXXX so the dates do not match up that is false information. This item is reported on my credit report once a month an item that was never verified. The item is priced at 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 2020-10-15
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
XXXX XXXX Loan Application Number : XXXX received letter that I had applied for an auto loan but was denied. At NO TIME had I applied for a loan. I tried resolving this with XXXX XXXX on XX/XX/2020 but they stated they could do nothing and the application was correct.

The letter also incorrectly reported my 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 2019-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion are reporting incorrectly that I am 30 plus days past due on the XXXX - partial account number XXXX ( page 6 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. I have contacted to two bureaus to fix this incorrect reporting on my credit report. It is impossible to be late on an account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my 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 2020-08-20
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:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX SSN : XXXX Transunion XXXX. XXXX XXXX XXXX, PA XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 
Item # 1 : I dispute XXXX XXXX XXXX, Reported balance {$270.00}, this account is not mines. This company has not sent me any notification of debt. By FTC Law I have to be notified of debt and given 30 days to dispute. This company has broken law and this account needs to be deleted ASAP.

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
XX/XX/2021 Opened Account at Binance.US. After completing " Basic Verification '' steps I was allowed to deposit Cryptocurrencies ( digital assets ) and start trading. Over the next few months I transferred approx XXXX dollars worth of digital assets from my XXXX and XXXX accounts into Binance.US and traded for other assets. 

XX/XX/2021 I noticed one of my limit orders didn't execute when it should have. I found that I couldn't execute any trades or withdrawals, my account was locked out. I found that now Binance.US wanted me to complete " Advanced Verification '' steps. 1st step was to take pictures of my drivers license and use facial recognition software to identify myself. I completed step 1 and it was approved. 2nd step was to upload a proof of address document ( bank statement, utility bill, etc ). I downloaded the most recent statements from my service providers and sent them to Binance.US in the requested PDF format ( this was the format I downloaded them as and they were not altered ). I sent a total of 4 documents that complied with the requirements, each was rejected for reasons : " incomplete address '' or " OCR error ''. I filed a support ticket and received an automated response asking to explain problem. 

My response : " I have sent 4 pdf documents that comply with requested standards, all documents have the same address, which is my current address. The address matching system clearly is not functioning properly, as I have found many other people complaining about this problem on internet forums and social media sites. Please help to solve this problem quickly, because I use a short term trading strategy and am loosing money by not being able to change my positions. '' XX/XX/2021 I have received no response to this message and have found no other way to contact them. 

My main source of information on others having similar problems was : XXXX XXXX XXXX/r/BinanceUSclassaction/ Some people have been waiting for over 3 months with nothing but automated responses. Others have been able to complete the step I am working on, only to be asked to do additional ridiculous stunts like take a video of themselves holding a hand written sign stating " Please reactivate my account '' and saying it as well. Binance.US appears to be making a mockery of their customers while they hold their assets hostage. 

XX/XX/2021 My current account balance is approx XXXX dollars worth of cash and digital assets, I'm worried that I might loose a large amount of this if I can't change my positions, or possibly never have access to it again. I'm also worried, if this is how they treat their customers, what might they do with all the personal information I have sent them. 

I have recently learned that a new CEO was appointed, hopefully he will fix these problems, because I really enjoyed using this platform, before I was locked out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: Commonwealth Financial Systems, 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:
These accounts were fraudulently opened and maintained. I've contacted each company and communicated with them that they were fraudulent. To no avail, as they keep calling to get me to pay on an account, or with promotions for existing account holders.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
on XX/XX/2020 i sent a letter regarding inaccurate and unknown things on my credit report. to this day over sixty ( 60 ) days later I have not received a response yet. I feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My was also impacted by the XXXX  Data Breach and may have got into the hands of the wrong person.

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 2020-10-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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:
My credit score went down and when I checked into why it was due to no payments being reported. Im not sure what is going on the payment history had previously been reported. I have 2 other cards with Bank of America and they are showing the payment history. I contacted B of A and spoke to a person in customer service ( several weeks ago ) I also filed a dispute with XXXX. Today XXXX  sent me an email that said they resolved the dispute. It was not resolved. The payment history is still missing.

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 2023-03-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
CAN NOT log in to equifax to remove freeze- can not get through to company to fix issue

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: ERC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is the third company to try and collect on a debt that was previously settled. This was handled and taken off of my credit close to 5 years ago. I get a call last week from a woman saying that I have another debt from XXXX during a time I did not have XXXX. I had XXXX. She informed me that she would look into it with XXXX  and get back to me. 2 days later it appears on my credit even though its already been proven to be false prior and removed. This is getting to the point of harassment. I advised them of this over the phone and she didnt seem to care, when I mentioned bringing this up to my lawyer she quickly got off the phone and continued without any validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE
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:
I applied for an XXXX XXXX Visa Signature credit card through Bank  of America. This card advertised a sign on bonus of XXXX miles and a {$100.00} statement credit after charging $ XXXX or $ XXXX to the card ( I forgot exactly how much was needed ). Once I hit the charge limit to receive the bonus, I got the XXXX miles but not the {$100.00} statement credit. Boa claimed I didn't apply on the right website or whatever which is XXXX. The same website I applied for the card still has that bonus as an 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 monetary relief
Consumer complaint received 2020-10-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/20 received collection letter from Portfolio Recovery, for XXXX XXXX XXXX  XXXX. for the amount of XXXX. The debt owed was XXXX this debt was settled through XXXX XXXX on XX/XX/20 in the amount of XXXX. 
this ac

count stills shows as open collection and has dropped my credit 30 points, as we are in the process of buying a house. I contacted portfolio recovery, they show it as open, yes they are not trying to collect the full amount, but what I had agreed to settle with  XXXX XXXX. They told me to contact XXXX XXXX, which i did. They show it as paid!!! They do not know why it wasnt reported back to portfolio recovery, and said they would send it to the back office, so portfolio recovery is trying to collect on a debt that has been settled 5 months ago, and damaging my credit in the process. I asked XXXX XXXX how is it that portfolio recovery is trying to collect the amount we settled on and not the whole debt if you have had no contact with them?? This is showing up on the 3 major credit reports as and open collection and has dropped my credit score!! It is illegal to try and collect on a debt that has been settled, and settled 5 months ago!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
Multiple fraudulent Bank of America inquiries on my credit report I have never applied for a Bank of America checking account. Ever. XX/XX/XXXX Received notification from XXXX XXXX XXXX Bank of America declined to open a bank account on my behalf because of information XXXX XXXX XXXX provided. I called XXXX XXXX XXXX and advised they were violating my rights and providing unauthorized information. The agent responded they were contacted. And again explained I never gave them permission to access my information. Then I called Bank of America and they acknowledged someone tried to open an account but they blocked it. I again explained the inquiry was fraudulent and not made by me. That did not invoke any further action. Now it is XX/XX/XXXX and again received notification of a Bank of America hard inquiry on my credit report. Fraudulent application. I have never applied for a bank account with Bank of America.

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 2020-10-14
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Good afternoon, On XX/XX/2020. This account was placed on my credit report as a collection for the amount of XXXX. However, I never received any notification of this debt. I tried to get the company to verify this debt but they did not send me anything that shows that I owe this debt and I sent this on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX  are reporting incorrectly that I am 30 days past due on the XXXX - partial account number XXXX ( page 14 and page 16 of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. 

XXXX is reporting incorrectly that I am 30 days past due on the XXXX XXXX - partial account number XXXX ( page 16 of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. 

Equifax ; XXXX  and XXXX are reporting incorrectly that I am 30 days past due on the XXXX - partial account XXXX ( page 20 of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. 

It is impossible to be late on accounts that have a {$0.00} balance and {$0.00} past due. I have contacted the three bureaus to fix these issues on my credit report. This incorrect reporting is harming my credit score.

Company response to consumer: Closed with explanation