BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-02
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:
I've disputed the following accounts due to many facts but more specifically the accounts belong to someone, one inwhom used my identity without my knowledge nor consent. These accounts must not have been properly investigated by the 3 major credit bureaus but yet the 3 major credit bureaus constantly reporting these unauthorized accounts. Either bureau shall relay on electronic verification as proof. Either provide me with physical proven documentation or as my consumer rights I'm demanding that these accounts be blocked immediately. 

1 ) XXXX XXXX XXXX {$4000.00} 2 ) XXXX XXXX XXXX {$570.00} 3 ) XXXX XXXX 4 ) Account XXXX XXXX {$85.00} 5 ) 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 2020-10-09
Company: POPULAR BANK
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In an attempt to refinance my current home loan, I discovered that Popular Bank failed to file the lien release from a pre-existing second mortgage loan we had with them from XXXX for {$75000.00}. Since XX/XX/XXXX, I have contacted Popular Bank many times to resolve this issue. I have filed a Release/Satisfaction Requirements/Mortgage Release form with them. I have provided all of the necessary documents they are requesting. I have emailed and called to speak with representatives countless times. I have offered to pay {$1500.00} to help with the cost of filing the paperwork they failed to file in the first place. They have sent me two letters saying that I need to wait 30 days while they continue to investigate. It has been well beyond the 30 days and I still have not received any information from them. They have not provided me with any documents that prove that I still owe on this loan or that they have ever made any attempt to contact me or collect on this loan. They don't  even have a pre-existing account number to reference. 

This loan was sold to several different entities and then was paid off in XXXX when we went through a loan modification/consolidation process. Because we have never received any notification that this loan was in default, nor has anything appeared on our credit, nor does it currently appear on any of the Title records filed with the county, we had absolutely no knowledge or reason to think that this loan was not paid in full and the lien was released, until now, 10 years later, when we are trying to refinance our current mortgage.

Now, because so much time has passed, this is costing me money not being able to move forward with the refinance of the current mortgage on my home. Popular Bank has failed to contact me within the time frame they established. They have failed to provide any proof of default on my part. They need to file the lien release now, as they should have done years ago, as it is their responsibility to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On    XXXX  , I paid m y car payment bill through bank of America. They decided to process the payment twice. The payment was o n XX/XX/XXXX  a nd was for  XXXX  and then processed again on   X/X/2017     for  XXXX .  <P/><P/><P/> My wife and I are in the process of closing this account and are lowering the balance and monitoring it while she changes her direct deposit. O n   XXXX  ,  my wife and I verified this balance with each other before writing a check for cash at another institution. I have attached a screen shot used for this conversation we had by text verifyi ng one debit an d the remaining balance in the account. With this additional debit and another debit process the account will now be in a negative balance. In  XX/XX/XXXX  Bank of America made  a Bill paym ent for this car payment to the wrong account. Our credit card is through  XXXX  and car loan is through  XXXX  in  XX/XX/XXXX  they sent this to the wrong account though I put it in accurately on their   Bill Pay.
<P/>
At this point it is possible for my wife to be criminally charged with theft by check in Oklahoma.
<P/>
Bank of America may be retaliating for a series of complaints detailing their harassment of us for filing complaints.

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 2019-07-02
Company: Terrill Outsourcing Group
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX along with my wife XXXX XXXX are in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, we are requesting very low settlements in the 20 % range of where our debts were at the last payment. Accordingly, we believe that we only have one chance at this, and if we do not start receiving settlement offers soon, we will retain the bankruptcy attorney we recently consulted. Therefore, we request letters of settlement, and we request the cease and desist from all calls to our home, cell and/or work. We desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
MCM DID IT AGAIN! VIOLATING ALL ACT 'S ... .... 

I FILED CHAPTER XXXX BANKRUPTCY ON XXXX, PETETION XXXX AND A AUTO-MATIC STAY WAS IN EFFECT ONXX/XX/XXXX MCM PULLED MY CREDIT ON XXXX AND XXXX. ( SEE attached ) INVASION OF PRIVACY, CONTEMPT OF COURT ORDER STAY TO CEASE ANY AND ALL ACTIVITIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: U.S. BANCORP
State: OH
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:
When I reviewed my credit report I noticed that there are inaccuracy on the late payments, on the month of XXXX XXXX and XXXX  has no data provided but XXXX  has it 30 days late payments which is clearly 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 2019-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
There are several accounts which appeared on my credit report without my knowledge. I did not open the accounts, I am not related to any transactions that were made on the accounts.. I asked Transunion where did they get this information but they just gave me a print out showing its verified. This is not enough justification that the accounts are mine.. There is no proof or a contract with my signature that I am the correct party responsible for the accounts. XXXX XXXX****, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX   XXXX ) XXXX****, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX****, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX**** , XXXX XXXX ( Original Creditor : XXXX  XXXX   XXXX XXXX XXXX XXXX ) XXXX****, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX****, XXXX/XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX****, XXXX/XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX****, XXXX/XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX****, XXXX/XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX****, XXXX/XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX****, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX** , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX****, XXXX XXXX XXXX ( Original Creditor : 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 2019-07-02
Company: RAS LaVrar, LLC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX along with my wife XXXX XXXX are in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, we are requesting very low settlements in the 20 % range of where our debts were at the last payment. Accordingly, we believe that we only have one chance at this, and if we do not start receiving settlement offers soon, we will retain the bankruptcy attorney we recently consulted. Therefore, we request letters of settlement, and we request the cease and desist from all calls to our home, cell and/or work. We desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: ZWICKER & ASSOCIATES
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX along with my wife XXXX XXXX are in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, we are requesting very low settlements in the 20 % range of where our debts were at the last payment. Accordingly, we believe that we only have one chance at this, and if we do not start receiving settlement offers soon, we will retain the bankruptcy attorney we recently consulted. Therefore, we request letters of settlement, and we request the cease and desist from all calls to our home, cell and/or work. We desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Navient violated my consumer rights-giving my personal information to a third party consumer named Mr. XXXX leaving detail messages on his voicemail like the text message below as well as including a sibling name. 
The voice message asking for a sibling then asking for information about me. Navient voice message stated Navient loan company had no information about where XXXX reside also navient company are saying they have no contact information for XXXX XXXX. Which is not true and this is another violation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
This issue is an existing problem which credit bureaus weren't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. All they gave me was a paper print out stating the account was verified. This is against the FTC Law and payments were sent timely on this account and was never late..CFPB step  up and fix this error

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 2019-07-02
Company: EQUIFAX, INC.
State: NV
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:
This issue is an existing problem which credit bureaus weren't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. All they gave me was a paper print out stating the account was verified. This is against the FTC Law and payments were sent timely on this account and was never late..CFPB step up and fix this error

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: EQUIFAX, 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:
The 3 major credit reporting agencies are listing numerous Credit Inquities which are not linked to any accounts that I am a holder of. I am Im the process of trying to purchase a home and these Inquiries are an issue. I understand that an inquiry should not be on my file unless I have authorized it so I am kindly requesting that these be removed from my credit because it is making it difficult for me to proceed with home ownership.
The FCRA states that the only permissible purpose for pulling someones credit is for : 1. Firm offer of credit.
2. Insurance.
3. Court Order.
4. Employments.
The following Inquiries are not related to any of the aforementioned permissible and I would like them to be removed. Some of these Inquiries are so closely dated that I am certain they are unauthorized.
1. XXXX XXXX Dated XX/XX/XXXX ( 3 Bureaus ) 2. XXXX XXXX Dated XX/XX/XXXX( 3 Bureaus ) 3. XXXX XXXX XXXX DatedXX/XX/XXXX ( Equifax ) 4. XXXX XXXX Dated XX/XX/XXXX ( XXXX and Equifax ) 5. XXXX XXXX  Dated XX/XX/XXXX ( XXXX ) 6. XXXX XXXX Dated XX/XX/XXXX ( 3 Bureaus ) 7. XXXX XXXX DatedXX/XX/XXXX ( 3 Bureaus ) 8. XXXX Dated XX/XX/XXXX ( XXXX ) 9. XXXX Dated XX/XX/XXXX ( Equifax ) 10. XXXX Dated XX/XX/XXXX ( XXXX  ) 11. XXXX Dated XX/XX/XXXX( XXXX ) Please do not hesitate to correspond with me if you need further information and I am grateful for your kind assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX along with my wife XXXX XXXX are in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, we are requesting very low settlements in the 20 % range of where our debts were at the last payment. Accordingly, we believe that we only have one chance at this, and if we do not start receiving settlement offers soon, we will retain the bankruptcy attorney we recently consulted. Therefore, we request letters of settlement, and we request the cease and desist from all calls to our home, cell and/or work. We desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: P&B Capital Group, LLC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX along with my wife XXXX XXXX are in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, we are requesting very low settlements in the 20 % range of where our debts were at the last payment. Accordingly, we believe that we only have one chance at this, and if we do not start receiving settlement offers soon, we will retain the bankruptcy attorney we recently consulted. Therefore, we request letters of settlement, and we request the cease and desist from all calls to our home, cell and/or work. We desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.

Company response to consumer: Untimely response
Consumer complaint received 2021-07-20
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
The FCRA 15 USC 1681 states that our consumer reports/ Credit reports are our reputation. 

15 USC 1681b ( a ) In General Subject to subjection any consumer reporting agency may furnish a consumer report under the circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

My rights as a consumer are being violated repeatedly by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
TransUnion has not properly investigated the following issues on my credit report. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX ****XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ****XXXX XX/XX/XXXX XXXX XXXX ****XXXX  XX/XX/XXXX {$100.00} XXXX XXXX ****XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX ****XXXX XX/XX/XXXX {$5400.00} XXXX XXXX XXXX XXXX XXXX XXXX ****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 2019-07-02
Company: SYNCHRONY FINANCIAL
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX along with my wife XXXX XXXX are in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, we are requesting very low settlements in the 20 % range of where our debts were at the last payment. Accordingly, we believe that we only have one chance at this, and if we do not start receiving settlement offers soon, we will retain the bankruptcy attorney we recently consulted. Therefore, we request letters of settlement, and we request the cease and desist from all calls to our home, cell and/or work. We desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.

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 2019-09-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2019, I went to my appointment at the Bank of America branch located at XXXX XXXX XXXX, XXXX, KS, XXXX. The reason for my visit was to open a new checking account in response to an offer I received in the mail for a {$300.00} bonus after direct deposits totaling {$4000.00} or more. XXXX XXXX was the Relationship Manager who opened the account with me and I watched her type in the unique offer code from my mail offer so I would receive the bonus. My initial {$100.00} deposit receipt is attached show the account was opened and funded before the XX/XX/XXXX deadline for the offer. 

The terms of the offer stated I had 90 days to receive {$4000.00} or more in direct deposits. By XX/XX/2019 I had met this requirement and on XX/XX/19 I exceeded the requirement having received {$5000.00} in direct deposits by that date. 

One I had met the requirements of the offer, the terms stated I would get my {$300.00} bonus within 60 days. This 60 day waiting period was over on XX/XX/2019. 

On XX/XX/2019 I contacted Bank of America ( XXXX ) to ask about the status of my offer. The first representative who I spoke with ( I believe her name was XXXX ) said she did not even see the offer on my account. She then transferred me to XXXX XXXX in the preferred client division to looking into my account further. 

XXXX also did not see the offer on my account and I gave him my offer code as well as some other information so he could request an investigation from the marketing team. XXXX gave me XXXX as a reference number for the marketing team investigation as well as XXXX as the phone number to contact his preferred client division directly. He informed me the proper teams would look into the issue and if it was decided I was owed the {$300.00} bonus, they would mail me a check within 30 days. 

As of today XX/XX/2019, that 30 day waiting period has ended and I have not received a check/deposit for my {$300.00} bonus nor any other communications from 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 monetary relief
Consumer complaint received 2019-07-02
Company: CHARLES SCHWAB CORPORATION, THE
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On my XXXX birthday, XX/XX/2019, Charles Schwab Bank called me and told me that they were going to close all of my accounts. This included my retirement account, my brokerage account, and my checking account which all have always been in perfect standing. I have always maintained a very healthy balance for many years, as soon as I was able to open a bank account. They would not give me any reason nor allow me to justify why they shouldn't close my account. This has put me through incredible hardship as a XXXX year old understanding and navigating the financial space.

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