BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-12
Company: Bread Financial Holdings, Inc.
State: MA
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:
How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2018 I closed two loans with Union Bank. My complaint is that they charged me for the application fees which was in the amount of {$550.00} for each loan. I paid that when I first applied back in XX/XX/2018 for a refi with cash out. They told me they would not do cash out just rate and term, so I went ahead and did rate and term with just enough cash out to cover closing cost. The escrow company, XXXX XXXX XXXX XXXX, called me and asked me to sign docs on Saturday XX/XX/2018 at XXXX which I did. I noticed when I was signing docs for Notary person that there was an application fee of {$550.00} of each loan again. I told escrow person that I already paid app fee for each of the two loans back XX/XX/2018 and he told me it was probably just a mistake and that the escrow officer would remove it on monday but I should sign docs anyway because my rate lock would expire on the following monday so I signed. Called escrow officer on monday and was informed that Union bank would not remove this second app fee. Wrote to Union Bank about his matter and they refused to return my money period. Please see attached. 
Union bank claimed its two different loans but its not and the rate lock is the same one they used from back in XX/XX/2018. They ripped me off for $ XXXXVery shady Bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
FTC Violations. Name is not correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Never lived at the following addresses : XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Never worked here : XXXX XXXX XXXX *** Accounts that do not belong to me : XXXX XXXX XXXXXXXBalance $ XXXXDate OpenedXX/XX/XXXX **XXXX XXXX XXXXXXXBalance $ XXXXDate OpenedXX/XX/XXXX ***XXXX XXXX XXXX XXXXXBalance {$230.00} Date OpenedXX/XX/XXXXXXXX XXXX XXXX XXXXXBalance $ XXXXDate OpenedXX/XX/XXXX *** XXXX XXXX XXXX XXXX XXXXXXXBalance $ XXXXDate OpenedXX/XX/XXXX. This is a fair credit reporting act, FCRA violation. None of this was ever orally, written and mailed to me. I also have the right and request to get a copy of my identification submitted to the companies listed above verifying my signature and a copy of an ID card.

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 2020-09-09
Company: Direct Recovery Services, LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020, I was called from a spoofed number of XXXX and a voicemail was left that makes an implication of debt owed and that the call is an attempt to collect a debt. This called was also placed by an automated dialer for collection efforts which this company does not have consent to contact my phone number using automated dialing technology ( violation of TCPA ). This call was made to my phone number XXXX as well as my mothers cell phone number XXXX ( who is in no way attached to the claim and was located via skip tracing. The same voicemail was left on my mothers voicemail indicating a need for her to contact me and have me contact this office, again a violation of TCPA and now FDCPA. 

I contacted the office back and spoke with a representative who asked what my intentions with the debt were. When I advised I would like to review the matter further and may ultimately request to have the debt verified, he replied " So you aren't going to pay your debt '' laughed and hung up.

I called back and spoke with another agent who advised me they were a 3rd party collector, calling on behalf of another client. I again asked for additional information so that I could further review the debt and decide if I should request a validation of debt. He advised he would email me a letter and notate the file.

At no time did this company ethically or legally follow the collections laws established by FDCPA and also violated the TCPA in regards to automated calling efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX High Balance : {$1200.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00} {$0.00} {$0.00} Closed Date : XXXX Payments late : Late 30 days

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 2021-02-03
Company: Experian Information Solutions Inc.
State: MD
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:
Experian is reporting an account with XXXX XXXX closed in XX/XX/2020 that I have no knowledge of. I have never been contacted by this company regarding any said account via XX/XX/. This company is reporting false debt balances, information, or re-aging ... or a combination of all and Experian is illegally reporting false info and thus ruining my credit by not verifying properly.

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 2019-03-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
The card company sent an offer for {$150.00} reward points if {$500.00} is spent within 3 months of the card being issued. I applied onXX/XX/XXXX and received the card and activated it onXX/XX/XXXX. I then used the card on XX/XX/XXXX for a total of {$510.00} meeting the requirement for the rewards. After receiving my statement and calling their customer service to have the points applied to my card balance, I was told they could not do so as they had a fraud alert on the account. Noone could tell me why. They asked me to send documents to establish who I was, which I did until they asked for copy of my social security card. I had already sent copy of a utility bill and drivers license, but have been told to never give copy of the SS card except to medical etc. I was told then that I couldn't even use the card, even though no one had ever reached out to me about that. One of the people I talked to agreed that since I couldn't use the card, the account should be closed, but said he would apply the points before closing. That didn't happen and now they say they can't apply the points because the account is closed. Their statement shows {$150.00} in points I want per the card agreement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
After a period of rapidly demising remuneration due to technological obsolesence I lost my last job in XXXX XXXX   just over two years ago. At aged XXXX it is not easy finding another one. Nevertheless in the last quarter of XX/XX/2018 both my wife and became employed. That income along with a pension, social security and additional fees for professional services rendered should by all expert accounts justify a mortgage modification. The servicer - Select Portfolio Servicing Inc is proceeding with a forced sale despite the fact that they are still considering a restructuring as they repeatedly ask me for data that I have already submitted. I do comply promptly with their requests.

It is very challenging to establish enhanced lines of communication with them given no real relationship manager and written correspondence that completely contradicts that which I have been told on the phone. 
I think it perfectly reasonable for both parties to delay the enforced liquidation until a more thorough examination is made of the additional financial resources being introduced in an attempt to work collaboratively with the servicer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I paid for services from someone I never received it from and Ive been trying to get my bank to cancel the services at this time but they said I dont have enough evidence to cancel it but they never asked me for any evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX XXXX I submitted the claim listed above to have an incorrect collection account removed from my credit file. I received a response on XXXX/XXXX/15 saying the creditor/collection agency had verified the account was mine. The account was being reported XXXX, I contacted XXXX companies on XXXX/XXXX/15 and was told XXXX that they did not report anything against me using my social security number. The account reported was for my father who has a different date of birth, they did not use my social security number or his to report the account and that I should contact Equifax to have it removed since they were the credit reporting agency. XXXX had not reported anything using my information so they could not remove it. When I called equifax again, I was told by a representative that I had to contact the collection agency so they can remove it from my report. When I asked why A collection agency was going to change my file with them when they had told me they could not they said they didnt know but that equifax was not able to change credit files even though thats what they do. I have gone through Equifax 's process of disputing incorrect information and I have not been able to remove this from my file. It has kept me from buying a home and has cost me money when I have applied for credit all due to their negligence and willful non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-03
Company: EQUIFAX, INC.
State: MA
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 sent three dispute letters to the creditors and they never sent back documentation that I asked for regarding accounts that appear on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: IQOR US INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted this company for times to remove my phone number from your list. I dont not know who theyre looking for completely different name from my name and they still keep calling me. I am a senior citizen with no debt to anyone. Was told by one representative that it did not matter how old I was or if I knew the person they will keep calling me even though I have requested to be erased from their list. Again I do not know who theyre looking for

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 2019-03-06
Company: CASHCALL, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Cashcall is attempting to collect a fraudulent debt.

My identity was stolen= $ XXXX were charged on Credit Cards with my information. They have since been removed from my credit report.

Cashcall at this time will not remove the debt and can not provide verification. I have pursued this as fraudulent with them to no avail.

This has been going on for four years. They held the debt in collections beyond the legal limit for state and refused to move it off until they received two separate CFPB complaints. They can not provide the form information or verify the source of the form information. This has been going on for over four years now and I need it removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2017-12-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XXXX/XXXX/XXXX my account was overdraft XXXX and i was fee of XXXX dollars on XXXX/XXXX/XXXX i was fee again for XXXX dollars with no notifications where i have checked on my account to receive notifications. 
on XXXX/XXXX/XXXX i was fee again for XXXX dollars XXXX was fee again for XXXX dollars on XXXX was fee again for XXXX dollars XXXX was fee again XXXX dollars XXXX was fee again XXXX dollars I went to my fifth third bank branch to see if this can be forgiven knowing that i have a good credit standing, i paid off their car loans that was with them with a 5 % apr.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.code 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

US Department of Education XXXX XXXX Has violated my rights 15 U.S.code 1681 section A states I have the right to privacy 15 U.S.code 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish Account without my written instructions. 
15 U.S. code 1681 C ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following item 's of information then records 15 U.S.code 1681 S - ( A ) a person shall not furnish any information relating to consumer reporting agency if the person knows or has reasonable cause to believe that information is Inaccurate. 

This is for complaint : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Transunion- 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 2019-11-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I disputed charges with USAA. USAA refused to honor my credit card agreement and protect its consumer 's rights.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
{$1400.00} {$2300.00} {$1600.00} {$1200.00} The sums of money listed above are what LOANCARE ( aka XXXX XXXX ) have requested that I pay for the same account Prior to my mortgage moving to XXXX  XXXX, my mortgage note was $ XXXX@ 5.6 % interest over 30 years After going through my initial loan modification, I was asked to pay {$1400.00} per month ... which I have done and paid on time for the past 18 months In late XXXX or early XX/XX/2020, I received a notice stating that I have to go through another loan modification because my mortgage is far behind In reading the enclosed documents ( see the attached documents ) I discovered that somewhere on their books they have my CURRENT mortgage payment as being {$2300.00} Secondly, I receive another document from the escrow department stating that my new mortgage payment is {$1600.00} per month and a new loan modification document stating that I pay {$1200.00} per month THINGS I JUST DO NOT UNDERSTAND 1. Why am I just now finding out that my CURRENT mortgage payment is {$2300.00} per month after paying {$1400.00} for the past 18 months?? 

2. Why is it that NOBODY has inquired about me paying {$1400.00} per month as opposed to {$2300.00} per month thus averaging a shortfall of {$1000.00} a month?? 

3. Prior to my mortgage being moved to XXXX  XXXX  my mortgage was $ XXXX@5.6 interest over 30 years How is it possible for a loan modification to jump from {$1300.00} per month to {$2300.00} per month FOR THE SAME TERMS?? 

4. I have a second mortgage that went through a loan modification My note was {$510.00} per month@ 7.4 % interest with XXXX My new mortgage servicer has requested that I pay {$400.00} per month@ 4.9 % interest This is a PROPER loan modification The so called LOAN MODIFICATION of my primary mortage with XXXX  XXXX  ... ..MAKES NO SENSE! 

I am requesting a remedy to this NIGHTMARE! The enclosed documents gives an account of my experience with this mortgage lender If this is the way this firm treats their customers and produce ridiculous loans, it is best that they close their doors!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I am a customer of PayPal. I had my PayPal account linked to the XXXX account to receive payments. From XXXX XXXX I had received the amount of {$1300.00} from XXXX into my PayPal account. When the funds had been received, PayPal shut down my account citing " User Agreement Violation '' and has put the funds on a 180-day hold. I have since tried calling and emailing PayPal but the only answer I was given was to visit their legal department in person, in XXXX XXXX California. They have been holding my money for several months without citing and specific reasons as to why.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that reflects a {$0.00} balance. This incorrect reporting of lates is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this item however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation