BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-29
Company: EQUIFAX, INC.
State: NJ
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: Problem getting your free annual credit report

Complaint:
The portal from XXXX to access the 3 major bureaus seems to be completely useless for accessing Equifax reports. It caused my browser to crash repeatedly, and my cpu and ram usage were both maxed out just from their site attempting to load. After attempting in another browser, the site says online delivery can not be performed and requested that I ( very unsecurely ) mail them a form with photocopies of information that in the wrong hands could be used to damage the very reports they are making it impossible to access. 

I have never seen my credit report from Equifax. That is all I'm trying to accomplish.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem getting your free annual credit report

Complaint:
I have been attempting to claim my annual free credit report from, XXXX, Transunion, and XXXX on annual credit report.com and after filling out my infomation it told me that It could not verify my identity and that i would have to mail my information to the po box of the bureau and I have not due to fear of the information i have aready lost and even greater fear that my identity may have been compromised I have tried to get my free report multiple times but to no avail.

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 2021-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Due to a recent notification that my personal data was involved in a breach, I tried to contact TransUnion to institute a " freeze '' using their online option. All went well until the last part of the registration request, when I got an error message indicating they couldn't complete the request due to " problems '' on their end. 
The " chat '' link didn't work. 
I called the " Website Access '' phone number, and [ after 10 minutes on hold ] spoke with a " rep '' about it, was assured I was being transferred to someone who could effect the completion of the online " freeze '' request. 
NO SUCH LUCK. I was transferred back to the SAME voicemail menu in which I'd started. Another another 10 minutes of holding, got another rep who PROMISED I would be transferred directly to the dept. that could " finish '' the online request [ which is the only way to get a pin # that you can later use online to " unfreeze '' -- if it's done via phone, it can only be undone via phone! ]. 
Result of transfer : SAME MENU. I finally gave up. Guess I'll have to use the sucky phone option, if that even works!

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 2019-06-26
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was selling some furniture on the website XXXX. I was sent a check to pay for the bed I was selling and for shipping the bed to the recipient. 
I deposited the check I received into our checking account at Suntrust bank on XX/XX/2019. I called the bank on XX/XX/2019 and was told the check had cleared and funds were available as well as verifying on e-banking. I used XXXX to send {$1000.00} to Ms.XXXX XXXX of XXXX, VA as I was under the impression Ms. XXXX was the mother of the person buying the bed. On XX/XX/XXXX, I sent another {$1000.00} to Ms. XXXX after calling the bank and again confirming the money was in our account. I was asked to send another {$500.00} of the money to Ms. XXXX. On XX/XX/XXXX after funds had been sent we were notified the original check I deposited had been returned to Suntrust for insufficient funds. 
The original check was for {$2800.00} and Suntrust charged us {$36.00} for insufficient funds in our account. 
We filed a police report with the XXXX Police Department on XX/XX/XXXX at the XXXX   XXXX Precinct at XXXX XXXX XXXX XXXX, XXXX GA XXXX complaint # XXXX We feel Suntrust has a fiduciary responsibility to protect us by confirming reliably the validity of the check clearance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: ALLY FINANCIAL INC.
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Account opened XX/XX/2015. No Account number is XXXX .I sent ally financial affidavits showing the car loan showing as a charged off account was a identity theft account. It was obtained by my sister XXXX who had access to my information. I had officer statements showing I do not I've in XXXX  XXXX where car was bought, as well as my sister 's statements to officer thst she used my name to obtain things such as police report, I'd theft report which states legally they must remove from 3 credit reports. My attorney said do this last and if it remains he will file suit in my local court to file suit and make them remove it.my sister trader in a car to get this vehicle from XXXX XXXX  and XXXX immediately removed it within days. My social security number is XXXX I have my credit reports frozen so it's fine.

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 2020-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a XXXX, I live in Connecticut. 
I made a cashier 's check for onXXXX {$22000.00} to pay for a new car. I had to drive to XXXX, NY in order to obtain the check at Capital One Branch, there is nothing closer to CT. Due to COVID 19 outbreak I didn't get the car, so I called Capital One in XXXX to cancel this check and get my money returned to my checking account. Nothing was done. I called every week for a month, and my money are still missing. 
I spoke several times with Capital One customer service who told me bank will not return my own money unless I drive from Connecticut to New York Capital One office to deal with it. They told me that it is up to me to do it, but money will not be returned unless I will be personally standing in NY office. They said even with COVID outbreak and lockdowns, and emergency situation those are Capital One bank rules. They said they are aware that many Capital One locations are closed.They suggest I break guidelines and recommendations during COVID pandemic in order to claim my own money. They never send me any written documentation regarding my claims and calls. I wrote directly to XXXX XXXX, CEO of Capital One, and to manager of XXXX  Branch XXXX XXXX, with a cc to complaints at Capital One, none of them bothered to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: CCS Financial Services, 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 information incorrect

Complaint:
XXXX XXXX is inaccurately reporting an alledged debt in the amount of XXXX on my credit report ( s ) which is false. 
The alledged creditor under the name ( XXXX ) is also false. XXXX XXXX continues to report this inaccurate, injurious information on my credit report ( s ) and are jeopardizing my credit rating and overall financial status. I sent this company a validation notice in accord with the Fair Debt Collection Practices Act ( FDCPA ) section 809.

This company has failed to provide proper validation which is a serious violation under FDCPA Section 809 in response to my validation request.

I disputed this information with the credit bureau and CCS verified in response to the disputes I submitted. This is a continued collection activity violation and a violation under both the Fair Debt Collection Practices Act and the Fair Credit Reporting Act ( FCRA ) as well. 


I would like to take the opportunity to submit another validation request in the body of this very complaint shown below : " I DISPUTE YOUR CLAIMS IN THEIR ENTIRETY REGARDING THE ALLEDGED ACCOUNT # XXXX ''. 

I want full proper validation or this erroneous account or remove it immediately from my credit report ( s ).

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: Navient Solutions, LLC.
State: UT
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:
I have Contacted the department of education to investigate my student loan the for profit school that illegally got me into it under the lie that my credits where accredit and I could transfer into any school with also my master promissary note that didn't have my signature on it it wasn't mine it was electronic and I signed all my financial aid work at XXXX navient failed to provide my original promissary note. Yet they continue to report to the credit bureau during an ongoing investigation that according to the news in the paper could last year 's and in the process there during destroying my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: Simon's Agency, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I sent Equifax a police report in XXXX about my identity theft XXXX agency was advised and notified XXXX acct XXXX Charging XXXX XX/XX/16 ... I contacted cfpb about it already they told cfpb that they will remove it but didnt I need it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: Webcollex, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Again, I've been contacted by XXXX XXXX XXXX and threatened with legal action by a lady named XXXX. I told her the first time that she called me that I was not to be called at work and she continues to harass me and then laugh when I tell her it's unacceptable and needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Navient Solutions, LLC.
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: Account status incorrect

Complaint:
I was recently denied credit and was told it was due to Navient reporting recent lates. My student loans are deferred as a current student and should never have been reported late. Even when the deferral was verified/submitted, they did not correct my credit report. This company is absolutely terrible and now I'm paying for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: Phoenix Financial Services LLC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Phoenix Financial Services ( PFS ) called me in XXXX asking for payment on a auto loan that was repossessed in XXXX. After talking with the rep I told them I had no intentions of paying the debt and the call was ended. A few weeks following the call I pulled my credit reports to get updated information and I saw that PFS had placed a new account on my credit reports on date XXXX dropping my FICO score of 28 points. I called the company after reviewing the information on my reports and explained some of my concern with the rep that took my call. She informed my that she would get a manager on the phone with me. I was then transferred to a manager/supervisor. He asked me to verify some information for him and some of the information he had on his file was incorrect such as my date of birth .After asking this information he stated that the debt isn't " new '' but that the date the account shows on my credit report must be the date they received the account. He did not even see that they had placed anything on reports, at which point I advised him they had and he needed up to date information. I asked the manager if this was a example of aging an old debt, and he advised me that no it was not, and once ( if ) the account leaves their office it would be removed from my reports. I then explained the original account from XXXX is now going on four years old and according to my reports it now looks as if this account just happened last month. He then stated they are here to help me get it off my reports by offering me a settlement. After rejecting this offer, he then said the call was wasting both our times, and I should seek legal representation. I then ended the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: Massachusetts Educational Financing Authority
State: NV
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XXXX is the most recent loan servicer for our accounts ( 5 ) and took over in XX/XX/XXXX. Prior to that, since XXXX, we were serviced by XXXX, XXXX and XXXX. We have been making on time repayments with no problems until XXXX assumed the liability. We have bank statement proof that the payments are being made. XXXX is misapplying the funds and terrorizing me with threats of ruining my credit ... every month. They do not listen. Eventually they acknowledge the debt is current via email and the very next day the collection calls begin again. 

The problem is THEIR mismanagement of the payments being applied to the accounts. It was never a problem with the prior loan servicing companies. I can not tolerate being threatened every month by this hostile and overly aggressive company when I have BANK STATEMENT PROOF the accounts are being paid as agreed. 

Without YOUR intervention I will be forced to file a civil action to force them to stop. This is nothing short of financial XXXX and I will not tolerate it. 

XXXX XXXX XXXX. Box XXXX XXXX, PA XXXX Details Account # XXXX Accounts pull date XXXX XXXX 1st year XXXX 2nd year XXXX 3rd year XXXX 4th year XXXX 4th year

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
Capital One ; Reservation # XXXX ; access code XXXX ; Applied XX/XX/XXXX ; We received an unsolicited offer from Capital One. We use Capital One 360 since XX/XX/XXXX, and had a credit rating of XXXX at the time of the call. 

After multiple questions from the agent in XXXX, we were denied the offer. We complained at once. When we asked if this was a scam, the call was disconnected. A call to Capital One 360 got a response of " different subsidiary and not them. '' We are concerned about fraud and unscrupulous practice by Capital One. 

OnXX/XX/XXXX, our rating wa reduced to XXXX. The agency issuing it says it was reduced by 4 points. Since it was XXXX, the deception continues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: John C. Heath, Attorney at Law, PLLC
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
I hired Lexington Law Firm to remove erroneous information from my credit report. I spoke with a representative and explained my needs. I understand that it can take 30-60 days for a response. They continue bill me for XXXX  XXXX that I did not ask for while I await a response from creditors. Ironically the erroneous charge on my credit report is only {$350.00}. I've paid Lexington {$910.00} for services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Executive Financial Consultants, 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: Account status incorrect

Complaint:
I filed for bankruptcy in 2015. This account was included. My bankruptcy was closed and so were all of the accounts associated with this. This account is still being reported as open and is reporting to my credit as late every month. This is causing me economic harm. As I can not secure a home loan for my family in the middle of a pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Recently, I have pulled out my credit report and I am so amazed about the unauthorized accounts on my credit report. I believe that I have never had any outstanding debt with Discover and I have never any type of communication regarding this fraudulent account.Therefore, I'm filing this complaint to get further assistance from the Consumer Financial Protection Bureau. Hopefully, we can resolve this matter in a peaceful manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Ive spent about 3 hours over the last 3 months or so trying to get a fraud charge taken off my Citibank charge card account. 
( Ive called 4 times so far ) They canceled the card & sent me a new card with a new account number. The fraud charge were then put on my new account with the new account number when I received the new statement. I should have a credit of about {$4.00}. On the account, not {$140.00}. Charge. Citibank then added late payment fees & interest fees. Citibank is still asking for a payment for a charge thats not mine. I have been with them for 17 years or so with my personal charge & close to 30 years with a business account. NOT HAPPY

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 2020-05-10
Company: Security National Financial Corp
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On Wednesday, XX/XX/XXXX I contacted Security National Mortgage to follow up on a automated call received on Tuesday, XX/XX/XXXX. I was advised that although it was only the XXXX of the month that I was receiving a collection call. While our due date is the XXXX of the month, our payments are typically paid on the XXXX due to income posting to our accounts to ensure no issues with the payment processing. Not once has the payment ever been past the grace period of processing or assessed a late fee. 

The Agent ( # XXXX ) who I spoke to was rude, obnoxious and threatened to hang up on me if I didn't stop talking. This while I was trying to request a supervisor to speak with. I was told there wasn't a manager available and no matter how long I held there wouldn't be anyone available and that no one would speak to me. I was told my only option was to request a call back which to date has not happened. 

Some back story, since XX/XX/XXXX, when I were furloughed from my primary employment I have been trying to coordinate with the mortgage company however their mail items, website and emails were all extremely vague as to what we can do to defer payments on our loan during this pandemic. As requested via their phone system and website, I submitted in inquiry online and after 10 days received an email that I didn't submit the email correctly and had to resubmit my inquiry again. By this time our XXXX payment was processed ( on XX/XX/XXXX ). A couple of weeks later ( XX/XX/XXXX or so ) we received an email advising that we were to approved for the forbearance ( we never requested only inquired about options ) and that we could skip our XXXX payment which was already posted to our account. The email and mail items advised that the forbearance was the only option and that we would be responsible after 3 months for the back payments plus daily interest during the time period. 

Since we are already in a financial hardship we couldn't take the risk of not staying current. We did everything we could to make the XXXX payment yet on XX/XX/XXXX and Security National still had their automated collection calls set to call us for payment on the same day. 

We are a hard working family, we were current on all payments since our loan closed over 3 1/2 years ago and being treated like we were is just wrong. Security National is not working to helps its lenders, they are providing misinformation and making it extremely difficult for their customers to get service and / or proper information from their team. 

In a time of helping people impacted by this pandemic, this company has demonstrated they are not caring or willing to assist anyone but their bottom line. It is disgraceful and someone should know. We have every intention of refinancing our home the second we are both fully employed again to ensure we don't have to give them any business or one penny of our hard earned money in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: U.S. BANCORP
State: WI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
On XXXX XXXX, 2021 I received a debit card from US bank. It is stated that it is for the Ohio Unemployment Insurance program. I did not request this, it came to an address I lived at over 11 years ago. I have never lived or worked in the State of Ohio. I had my identity stolen 6 years ago and this may be related to that. Please let me know if further info is needed. 


Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI 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