BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-26
Company: EQUIFAX, 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: Account status incorrect

Complaint:
My XXXX account, XXXX XXXX account, and XXXX account with XXXX XXXX  have all been closed by XXXX XXXX  on or about May XXXX and July XXXX. All of these three accounts were always paid on time and show good status. However, all three accounts were closed by XXXX XXXX  for no reason. I believe the reason they were closed was due to a error on the XXXX XXXX  account, which I tried fixing for over a year with XXXX XXXX. This error was correct on XX/XX/XXXX. However, my XXXX XXXX, XXXX XXXX, and XXXX account are still close which continues to affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
When trying to remove a freeze on my Equifax credit report, I am unable to access my report. My online account on myEquifax appears to be locked out and is inaccessible. When calling Equifax, they are unable to locate my account via SSN, address, name, or phone number. They suggested faxing in the request to remove the freeze along with a copy of my license and SSN card, which I did on XX/XX/XXXX, to no avail. After calling back to check, they are still unable to find any account for me. 

I have several previous lines of credit, including a mortgage and car loan, and never had any trouble accessing Equifax in the past to place or remove a freeze. Since Equifax is unable/unwilling to unlock the freeze, I can not apply for further lines of credit with lenders who pull Equifax reports. I would appreciate help getting Equifax to resolve this issue promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-07
Company: Experian Information Solutions Inc.
State: TN
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 disputed these unauthorized inquiries on my report with each credit bureau. 

XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2019-08-26
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
3 times in the last 6 months they are processing my regular payment as a principal payment. Then, my next bill will show that I owe twice as much and that it's overdue and clearly show my principal payment that I made just several days before my due date. Each time they have to reverse my principal payment and turn it into a regular payment. And then send a note again to their billing sang that all my payments go towards regular payments. This is now happened multiple times they can't seem to get it right

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I mailed a letter off on XX/XX/XXXX. I have sent out another letter certified XX/XX/XXXX. Here is my tracking # XXXX XXXX XXXX XXXX XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also, according to 15 USC 6802. No financial institution is supposed to share my information to third party company 's. 
These are clear violations of my federally protected consumer rights.

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 2018-04-07
Company: EQUIFAX, INC.
State: TN
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 disputed these unauthorized inquiries on my report with each credit bureau. 

XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: Halsted Financial Services, LLC.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a call with no one on the line. When it hung up I dialed back. The agent refused to give me their name, business name or what it was regarding unless I give my social security number or date of birth. When I told them I would not do so unless they identify themselves they stated they would keep calling until I did. When I told them to add me to the do not call registry they stated I had to provide my social security number to be added to it. I told them it was a violation of the FCRA to do so, and to refuse to even identify themselves, so they hung up. When I called back again they identfied themselves as Halstead Financial and refused to give any further information stating they would review the call and solve it internally. No agent identified why they were calling, and only the second stated it was an attempt to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: NAVY FEDERAL CREDIT UNION
State: FL
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:
I have had numerous issues with my account since its inception ranging from incorrect account information ( I have been placed on several accounts by NFCU reps. ) to inaccurate information about fees and charges. Prior to the hurricane Irma I had charges on my account of {$79.00} which I did not make which placed a domino effect on my account. On yesterday XXXX/XXXX/XXXX I contacted customer service per two pending payrolls that I saw per my NFCU app one was for {$4000.00} which is from my work direct deposit and the other for {$270.00} which is my XXXX daughter child support. I requested that the funds be released to me early due tot eh storm Irma 's impact on my personally which I was advised that if the funds were released to me early it would place my account into the negative. At this time there were already numerous {$29.00} return check fees on my account which amassed during the storm and my inability for deposits to occur since there is no branch of Navy Federal in XXXX XXXX XXXX FL. {$1000.00} of my money was released on yesterday and I ask if there were any other pending incoming charges which would result in fees and I was told " no '' this was not the case but this morning while logging on to my account additional items were indeed presented which normally occur on automatic draft around the XXXX of the month and these resulted in additional fees from Navy Federal. This could have been prevented with the full release of my funds as  requested. Additionally, I was told that my child support funds could not be released on yesterday but they were placed into my account and dissolved ( which should not have occurred ) on top of the {$1000.00} I placed int he account on yesterday to resolve any negative balance due to fees and overdraft which i have approved on my account to occur up to $ 500.As a victim of Hurricane Irma, a single parent with a disable child this matter is placing undue financial hardship and emotional stress on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: Diversified Consultants, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing in regards to a collection account IN AMOUNT of { {$600.00} } that has been placed on my credit report by this CA that I HAVE NO knowledge of. There is no signed contract between this company and I and demand it to be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Im not responsible for this debt and would like it off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have a debt with LVNV but XXXX has taken over this debt. This lady keeps emailing me constantly. She has even went so far as to tell me that she knows I am opening the emails. She is harassing me at this point. This lady has emailed me 17 times since XX/XX/18. This is not okay. Please help me. Her name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: TD BANK US HOLDING COMPANY
State: FL
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:
Reward dollars were available when TD Bank cancelled the card for inactivity. I called customer service numerous times to initiate a change of address, with no success. I also called customer service, both the credit card service and the rewards service, several times to have my rewards ( {$110.00} XXXX transferred to my brokerage account where they would receive an additional XXXX % bonus totalling XXXX {$120.00} XXXX. Although I received an email ( attached XXXX indicating this had been done, the funds never showed up in my XXXX XXXX brokerage account. I have written to TD Bank headquarters about this matter but have never received any reply.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-20
Company: Waterfall Revenue Group
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There is an amount that is appearing on my credit report from XXXX XXXX XXXX with account # XXXX for XXXX XXXX. I have never done business with either of these companies. I need company to provide me with written contract or deal that I sign with them or otherwise please have this remove from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Auto Advantage Finance, LLC
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
XXXX Spoke to XXXX and let her know that I was wrongfully terminated and that I am receiving unemployment. I told her I was waiting to receive my card from unemployment. I ask for a payment date change and was told that I could not change my payment date due to unemployment is consider temporary. I explained to her that my unemployment was approved due to being wrongfully terminated and that it was guaranteed until I find another job. She then lets me know that my car will be disabled but of course they dont tell you when. I also explained that I would continue to be late unless payment dates were changed. I literally have a {$6500.00} balance remaining until I pay off my vehicle. It would be nice if they would have let me provide proof to show that this is why I am having trouble paying my payment. If my car is disabled it would be a first since getting my car in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Viva Finance Inc.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I made my final payment in XXXX. The loan company had never reported me late to the credit bureau. 
Once the payment cleared viva finance reported my account current and closed. On XX/XX/XXXX viva finance reported my account 30 late then it went to 60 days late. On XX/XX/XXXX they reported my account 90 days late. This is effecting my credit score, especially with all this back and forwardness on my report. None of this was reported thru out my time, while paying off the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
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: Information belongs to someone else

Complaint:
I was checking my credit report and I was shocked. Why you put this information on my account. I have no idea where did you get it but its not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I set up a re-payment plan with Bayview Loan servicing and made the final payment on XX/XX/XXXX of the re-payment schedule. I was told at that time that my mortgage was current. Today on XX/XX/XXXXI get a bill in the mail and they are still looking for twice the amount of money after I was told that the payments would go back to XXXX  on XX/XX/XXXX. As you can see by the statement that I am enclosing this is not the case and Bayview has breached the agreement because this was an agreement to make the loan current I have been paying more money and still the loan is not current. With all the complaints that you get why can't you shut these people down?????

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: JPMORGAN CHASE & CO.
State: TX
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:
Applied for the new IHG premier credit card. 

XX/XX/2019 -Received the card on Friday ( Approval was the week before ). Card went thru partner verification with IHG so IHG approved it and card was issued. Card is being used all over weekend and even Monday XX/XX/2019 with no issue. 

XX/XX/2019 - Tried to book 4 nights at a hotel, was getting charged for the 4th night. Tried calling IHG, they do not have an updated information. Said I should call chase because the problem is at their end. 

Called chase and chase stated I have the benefits as soon as I activate the card. The card is already approved and it shouldnt go thru anymore verification. 

Called IHG again and they stated it may take 4-6 weeks for my information to be updated and for me to be eligible for 4th night free. 

That is just a summary, actually its more of a whole day of calling and contacting chase and IHG and ultimately IHG stating that its because their system is not updated. Contacted IHG thru live portal, phone call and XXXX  XXXX ( I hate transcripts for this one ). Nobody can help. The fact that in no place in terms and condition does it say that I am not eligible for the 4th night free during a certain period is fraudulent marketing. Somebody forgot to update my information in their system and I am the one who ends up suffering because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: Experian Information Solutions Inc.
State: GA
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 recently went to check out a. new car at XXXX. After careful consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and and approved for an extremely high interest rate. Which prompted me to check my credit report. After doing so I noticed a couple of items on my report that are not mine. These items need to be deleted from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-11-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
To Whom It May Concern : My name is XXXX XXXX. Im writing to complain about Capital One Bank. 

Capital One Bank did not accept a transfer of {$10000.00} in PPP loan funds into my personal bank account, which I use to handle my XXXX  dealings as a XXXX XXXX XXXX. This happened around the end of XX/XX/2020, though I double checked that the routing and account numbers were accurate, and the name I applied for the account on is the same as stated on the contract - XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( my XXXX XXXX name ). ( see image ). 

When I called to try to find out why Capital One Bank did not accept the funds, I was told : SBA loans have to be deposited into a XXXX account only. 

However, my EIDL loan was deposited into the same account just weeks previously ( see image ). 

At no time did Capital One communicate via phone, email or other method, or let me know that the PPP loan money was refused. In the past, I have received letters in the mail or emails from banks when a transfer was refused or on hold. 

The operator said, Im not sure why you werent contacted by someone. I apologize, you are correct, it would have been very helpful if someone had contacted you. The operator who I spoke with was named XXXX, ID # : XXXX. We spoke on the evening of XX/XX/2020. 

I called back to ask why the EIDL loan was received in the personal checking account and not the PPP loan, and was transferred to the checking department and put on hold indefinitely. After 15 minutes or so, I hung up. 

I am writing to complain that Capital Ones acceptance of one loan and not the other caused me and my family and my XXXX much distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: OpenRoad Lending
State: VA
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:
I applied for refinancing on XX/XX/XXXX and by mistake, entered my income incorrectly on the application. The next day I received an email advising this, so per the instructions, I replied to the email with the correct income amount so the SAME app could be re-reviewed. Today I get notification that Openroad processed inquiries on my credit on XX/XX/XXXX and XX/XX/XXXX! You cant give me two hard inquiries for the same app # XXXX. 

Please remove the additional inquiry and confirm once completed. The email sent to me about my income NEVER indicated my credit would be pulled again. Why would you need to if you only needed to verify my income? DELETE THE INQUIRY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: BROKER SOLUTIONS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was promised a 3 % down payment with New American funding for loans less than XXXX and was also provided approval letter to the seller for getting into the contract as proof of loan for buying the house. But after getting into the contract, the lender asked for 5 % down payment. I had two approval letters with 5 % for XXXX and other with 3 % for XXXX.It seems 3 % down payment is applicable in case of loan amount less than XXXX. Lender provided the wrong information and caused lots of hassle and put the contract of buying the house into jeopardy. I was forced to look for another lender when the valid preapproval that I had was not honored.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation