BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-12
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Recently, I found out that Equifax had a data breach and Equifax had a settlement. I checked both my spouses XXXX XXXX XXXX XXXX and my credit and found that our credit account/social security numbers were compromised. Per the lawsuit, Equifax was to give {$120.00} to each person affected or give them credit monitoring. In our case, our accounts have been frozen prior to this breach and if anything occurred on our credit accounts would be the fault of Equifax only and would be liable for any damages. I submitted a claim for my spouse and I last month on Equifax website. Equifax sent us an email ; your claim # XXXX for XXXX XXXX and claim # XXXX for XXXX XXXX for {$120.00} in connection with the Equifax data breach. You must verify you have credit monitoring or amend claim by XX/XX/2019 or your claim will be denied. No one that was affected by this breach should be required to have credit monitoring due to this issue! This is unfair and may violate our laws since Equifax affected thousands of consumers which should be held accountable more than just {$120.00} for their inconvenience, aggravation, having consumers information being compromised just to name a few. Furthermore ; if there is another federal or state agency that will also handle this complaint, we request that this complaint is forwarded to them so Equifax is held accountable for their actions. This is NOT about free money but rather damages to consumers credit file information that was breached!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX is reporting that my account is late. It can not be late because its been closed and paid in full for over 4 years. XXXX reported to XXXX, XXXX. XXXX this account is open and late dated XX/XX/2020. This is inaccurate and fraudulent and hurts my credit growth. This must be stopped and my credit report must be updated correctly.

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 2020-06-23
Company: FIRST HORIZON BANK
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
The main reason for writing this is to request a review of my negative remarks on my account by XXXX XXXX XXXX, now First Horizon Bank who initially declined my request after contacting them. 

I am kindly requesting the removal of a negative remark on my account from all three credit reporting bureaus for I am petrified I might end up homeless. 

My main issues started at the time when I moved to campus for my XXXX year in XXXX  was going through financial hardship. 

I took a back foot and was not able to make any payments during that time. 

I will attach proof of XXXX  status at that time through my enrollment verification. 
Kindly please review this document. 


I am requesting a review more so now after all this time is mainly because. 

First, I currently feel stuck and I am in emotional stress since my roommate is currently getting ready to move in with his girlfriend and it is not possible for me to live with them anymore. 

I met with my roommate when I moved to California for a job immediately after graduation With this being a big shift, going out on my own to a different city, It was hard for me to find a place to stay. 

Luckily, this was when he decided to help me which was meant to be temporary as I was finding a place to stay However, I ended up staying for a year. 

Secondly, because of the negative remark on my credit card. 

Nobody deems me credible even though it is not the case. 

I was desperately seeking help and did a XXXX search on how I can get my credit fixed online At this time, I was trying to find a place to stay after my temporary stay was coming to an end. 

The simple search led me to a credit repair company that promised to help me delete the account legally and fast within a specified time. 

Nothing specifically changed and I looked for a solution from other credit repair companies who promised heaven but delivered nothing basically. 

But again, nothing really changed, and it is during this process that they all advised me STOP MAKING payments. 

They claimed that it will be easier for removal, and in the process, I was still getting charged upwards of {$100.00} a month for this. 

Since nothing seemed to change, I felt betrayed, lied to, and scammed. This has left me in a very depressive and mentally challenging state. 

A sample email I sent to one of those companies complaining about their service is attached below Hence, therefore, I finally decided to reach out to you for assistance. 

I'm kindly requesting that my negative remark removed from all 3 credit bureaus. 

This is in hopes that when my roommate moves his girlfriend in, I will be able to find a place to live. 

Kindly looking forward to your response and consideration of this matter. 


Yours, XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My account was opened on XXXX/XXXX/XXXX under a promotional offer of " Open a new checking account with direct deposit, receive a {$200.00} bonus withing 60 days ''. 

The direct deposit was posted to the account on XXXX/XXXX/XXXX. I 've contacted the bank on several occasions via online messaging. First advised I did qualify for the promotional offer and it would be credited. Well after sixty days had passed, I contacted BBVA again via online messaging, and advised I would need to call customer service.
Upon calling customer service, I was advised " yes '' the offer should have credited to my account and it was their mistake it had n't. They now inform me that I must present to the bank in order for the their mistake to be corrected. I fail to understand why my presence is required to correct a promotional offer -bank mistake. I stop by a branch, and was advised to call customer service.
Below is the fine print of the BBVA Compass {$200.00} XXXX Checking Offer. 
You must be a new BBVA Compass consumer checking customer who has not had a BBVA Compass consumer checking account open within the last 90 days or closed due to negative balance to be eligible for the bonus.
Eligible accounts include BBVA Compass ClearChoice Interest Checking, BBVA Compass ClearChoice Free Checking, and Easy Checking.
Within sixty ( 60 ) days of account opening, at least one electronic direct deposit from an unrelated 3rd party ( e.g. your employer or a government agency ) in the amount of at least {$300.00} must post to the new checking account.
The account must be opened at one of the participating branches above or via XXXX, Option 2, with the account housed at a participating branch.
There is a maximum of one ( 1 ) bonus per household.
Promotion is not available for accounts opened online.
The {$200.00} cash bonus will be deposited into the new checking account within 60 days of meeting the bonus requirements described above. The account must be open with a positive balance at the time the bonus is deposited.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I understand my personal information is possibly exposed because of a credit agency having poor security measures. Now I understand I am to pay to have a freeze on my card, I do not believe nor feel it is right that I pay for it because I never once handed over my information to them and they are the ones who had my information compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I purchased my townhouse on XX/XX/XXXX with a mortgage loan from Wells Fargo Home Mortgage ( XXXX ), and I was fully satisfied with the terms and conditions, as I was when I refinanced the mortgage on XX/XX/XXXX. However, when I applied to refinance the mortgage in XXXX, a Wells Fargo Home Mortgage representative said that in addition to my master insurance coverage with XXXX XXXX XXXX XXXX provided through the XXXX XXXX XXXX that runs my property and that provided my master insurance since XXXX, I needed to buy an additional insurance to cover my personal belongings. Wells Fargo Home Mortgage can not possibly know the value of my personal belongings and, in my opinion, that is none of their business. From XXXX to XXXX Wells Fargo Home Mortgage did not need to insure my old sofa and a TV set, but when I objected to buying an insurance in addition to my master insurance, I was told that I would not be able to refinance, so I had to agree to buy a policy from Travelers ( XXXX ). A few days later I called Wells Fargo Home Mortgage and asked to speak with a manager, but the person I talked with said there was nothing that could be done. Since XXXX XXXX, I have been paying {$280.00} per year for the insurance I do not need, which comes to {$1400.00}. 
A few days ago, a friend told me about your organization, of which I have not heard before, and I respectfully request that you help me to refund {$1400.00} that I was forced to pay against my will. Since XXXX I never once had a late payment ( monthly payments are automatically withdrawn from my checking account ), both my wife and I ( we own the house jointly ) have been fully employed as university professors, and I think that Wells Fargo Home Mortgage had no reason whatsoever to inflict a force-placed insurance on us in addition to my master insurance.

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 2019-09-12
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:
I did not recognize any of these inquiries and I never applied for these. I am requesting to remove all of these because it's a fraud. Somebody stole my 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 non-monetary relief
Consumer complaint received 2021-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have been trying to close my mother 's account with Bank of America since she died in XXXX  of last year.I have been given several lies and the run around since then.I was told a month and a half ago that they would send the money and they had everything they needed.After I did not hear from the I called and waited on hold the usual 1 and a half hours.They said they couldn't see the date on my brother 's death certificate who also was a beneficiary.Then after she looked she said oh here it is.They could have called, texted, emailed me for the info.They did nothing and waited for me to call.Then they said someone would call me in 2 days or less.That did not happen.They have no intention of refunding the money and look for one excuse after another not to release it.

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 2020-12-20
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a store credit card from Synchrony Bank for XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX, NY. The account number for this XXXX XXXX XXXX XXXX XXXX was : XXXX XXXX XXXX XXXX. 

This credit account has an excellent credit and payment history. I have never been late. I have always paid all my promotional purchases within the timeframe of the promotion. 

I have several other credit accounts from Synchrony Bank. None of these accounts are general-purpose credit cards. All of them are store cards. All my accounts have always been in excellent standing. I have never been late, and I always paid my promotional purchases within the timeframe of the promotion. 

Most of the time, my account with Synchrony Bank carry a balance of XXXX XXXX XXXX XXXX. 

Sometime during the week of XX/XX/2020, Synchrony Bank decided to close the XXXX XXXX XXXX credit account. I learned of this fact by doing my weekly online check of my credit accounts at the Synchrony Bank website. 

I contacted Synchrony Bank. No information was provided to me as to why this account was closed. The representative tried to offer several contradictory pieces of information : ( a ) the account has been inactive for too long ; ( b ) the account is not closed ; ( c ) Synchrony Bank is sorry for the inconvenience. 

There is no requirement for this account to incur periodic charges in order to maintain its active status. When I asked SynchronyBank to provide me with a reference to this requirement, they were unable to do so. 

What Synchrony Bank did not address is the materially adverse effect the closing of this account has had on my credit score. The closing of this account has caused my credit scores to drop by 20 points with the three major credit bureaus. This, in turn, will have an adverse effect on my general credit. 

Synchrony Bank 's action is also a blatant misrepresentation of my creditworthiness : the account was unilaterally closed by Synchrony Bank for no reason.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: Netspend Corporation
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Netspend opened up an account without my authorization. Credit Card issued by MasterCard card number 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 2019-08-10
Company: ZWICKER & ASSOCIATES
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
sent me all the statements and said it was a valid loan and i owe it never even got a bill from them till they sued me i asked them for loan validation never had a credit card in my life

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: HOA Collections LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
HOA Collections LLC received a debt validation letter in XXXX ( attached ) and ignored it. We obtained a judgment against them ( attached ). They have recently indicated their intention to attach a lien to our home, when, they have no standing, no privity of contract, have violated the FDCPA, XXXX XXXX and/or XXXX XXXX XXXX we are both seniors ), as well as the XXXX XXXX to the United States XXXX XXXX " In Suits at common law, where the value in controversy shall exceed twenty dollars, the right of trial by jury shall be preserved, and no fact tried by a jury, shall be otherwise re-examined in any Court of the United States XXXX than according to the rules of the common law. '' Furthermore, Federal Law states : The use of fictitious addresses ( ALL CAPITAL LETTERS ) in a private individuals names or a ZIP CODE against the individuals wishes is a crime under Title XXXX XXXX. Section XXXX, XXXX XXXX XXXX. XXXX, XXXX, XXXX, and is punishable by up to 15 years imprisonment and {>= $1,000,000} names or fine. '' XXXX XXXX is a XXXX man XXXX, and has engaged in at least a half dozen instances of mail fraud, as well.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: Caliber Home Loans, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Caliber home loans sent me a preapproval letter to take out a new 30 year mortgage on my house at a HIGHER interest rate. Because the principal has been paid down, my monthly payment would be about {$70.00} less. They are advertising that I will see an annual SAVINGS of {$740.00} while my new APR is .1 % HIGHER than my current APR. obviously this is not a cheaper way to go, to effectively pay off a lower interest loan by taking out a new higher interest loan. The fact that they mislead customers by telling them they will save money should be illegal. Its outright dishonesty.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: EQUIFAX, INC.
State: FL
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:
We are trying to refinance our house. We resolved a matter with US Department of Education and our loans are current. We pay through XXXX XXXX, which is listed on our credit reports as XXXX 

EQUIFAX, the company we are complaining about, continues to list our loans with Department of Education as Derogatory : PAST DUE, which they are not. The accounts listed are XXXX ( {$64000.00} ) ; XXXX ( {$61000.00} ) ; XXXX ( {$39000.00} ). These accounts were transferred to XXXX in XXXX, 2020, and are current. 

We contacted Department of Education who has confirmed that all accounts are current and are being serviced by XXXX We contacted a prior servicer, who stated that all accounts were transferred to Dept. of Education for transfer to XXXX  We contacted EQUIFAX, who has not returned our phone calls. We have no recourse but to file this complaint against EQUIFAX. 

All other Credit Bureaus, XXXX  and XXXX, show only one servicer, XXXX and show our loans as current. 

EQUIFAX has negligently reported that Department of Education is reporting our loans as Delinquent. Department of Education tells us our loans are current and are being serviced through XXXX. We are making automatic payments on our loans

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: Strategic Alliances, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This medical collection agency ( FST FIN MGMT ) Acct # XXXX is still reporting on my credit after I have received written proof that they was going to ask the credit bureaus to remove this from my credit report. It still reporting to XXXX  and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: Social Finance, Inc.
State: NE
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2021 I requested an ACAT to transfer all of my publicly traded stocks, and cash from the brokerage Social Finance , Inc. DBA SoFi Invest to the brokerage XXXX XXXX XXXXn the amount of {$1900.00}. 
On XX/XX/2021 I received an email from SoFi Invest ( investsupport@sofi.com ) denying my request to transfer all of my stocks and cash out of SoFi with the following explanation : " Our Invest accounts must be funded for 60 days before an ACAT transfer out can be processed. '' On XX/XX/2021 I called Social Finance, Inc. at XXXX and spoke to a representative who explained to me that SoFi had denied my transfer in order to hold my stocks and cash for 60 days. I informed the representative that according to the SEC website that by law the ONLY reasons SoFi would be legally able to reject my ACAT transfer would be due to improper filing, or questions on share ownership. Neither of which apply to me. Therefore, I require SoFi to approve my ACAT and release my publicly traded stocks, and all cash ( less the {$75.00} transfer fee ) to the brokerage XXXX XXXX as requested. I alerted the representative that were the ACAT denial not reversed that I would be filing a complaint with you, the Consumer Financial Protection Bureau. 

I am filing this complaint in order to alert Social Finance , Inc. that they are willfully and knowingly breaking SEC regulations by denying my ACAT transfer out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: BARCLAYS BANK DELAWARE
State: NY
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:
Barclay 's Bank on 3 separate occasions has reduced the credit limit on my Frontier Airlines Credit Card and XXXX XXXX Mastercard. I have never been late with them or any other card since carrying these. Their practice is predatory because all it does it look like on my credit report that I am not managing my cards with them correctly and that has a downstream effect on other lenders. In addition, by them reducing my credit limit it has a very impactful negative consequence on my credit report because it raises by debt-to-income ratio. This can not be legal! Credit card companies should not have free will to reduce consumers credit limits unless they have a valid reason ( late on this card or another, or did not follow the credit card holder rules/standards ). By doing this, they are ruining people 's credit profiles. Please step in and stop this. I have tried continuously to get them to reverse it and they give me the run-around. Need help!

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