BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-19
Company: BBVA FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The call was on XX/XX/21. The call ended at approximately XXXX EDT. The call was made to BBVA customer service at XXXX. I was trying to get my account setup as it was transferred over from Simple ( their subsidiary ) to the parent BBVA. The customer service representative was not helpful and she asked for my password to the account which constitutes fraud. I did not give her my password but she does have all of my other information. Once I asked to speak to her supervisor she became even more hostile and hung up on me. No issues were resolved. Now I do not feel that my personal information is secure and with to close all the accounts and have all my personal information removed from BBVA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
In response to the disgusting Equifax data breach, over the past two days ( XXXX XXXX and XXXX, 2017 ) I have been trying to institute fraud alerts and credit freezes on XXXX, Equifax, and XXXX. Although I have called and logged on multiple times at various hours, I have been unable to complete the requests - their systems just say " Unable to complete your request at this time. '' and the " customer service '' operators have referred me to various other phone numbers that just refer me back to the original numbers ( the classic run-around ). Any agency that collects such vital and confidential information on almost every US citizen should be required to develop and maintain robust security consumer response systems. Our data is now " out there '' forever - we ca n't change our Social Security numbers or birth dates so we face identity/credit theft forever, too. I hope that our governmental representatives will fully investigate this failure by Equifax ( including why it took almost 2 months to reveal the leak ) and require solutions that prevent such security breaches and provide consumers with ongoing protection not just for a year, but forever, no matter what the cost to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: Avant Credit Corporation
State: TX
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:
I had a loan with AVANT XXXX XXXX XXXX XXXX SUITE XXXX XXXX, IL XXXX ( XXXX ) XXXX In XXXX I had financial hardship and the loan went into default. Now I am trying to pay off debt and correct errors on my credit. Every month Avant is reporting a late payment instead of reporting the account as a collection/charge off. They are violating the law and causing me intentional harm. According to the law this should have charged after 120 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: EQUIFAX, 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:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: ID Analytics, Inc.
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 is missing that should be on the report

Complaint:
I changed my name from XXXX XXXX to XXXX XXXX XXXX XXXX and it is still incorrectly reporting on my credit reports and I am try to purchase property and they can't do a background check on me because of these errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-06
Company: Experian Information Solutions 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:
These inaccurate accounts are reporting on my credit report XXXX XXXX   XXXX**** XXXX/XXXX XXXX**** XXXX XXXX XXXX XXXX** XXXX XXXX XXXX**** XXXX XXXX XXXX**** XXXX XXXX XXXX XXXX**** XXXX XXXX**** XXXX XXXX XXXX*** XXXX XXXX**** 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 explanation
Consumer complaint received 2019-06-06
Company: The Law Offices of Mitchell D. Bluhm & Associates
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:
XXXX, XXXX AND XXXX ARE REPORTING A COLLECTIONS ACCOUNT ( Law Offices Of Mitchell ) THAT IS NOT MINE. 
THEY ARE IN VIOLATION OF THE F.C.R.A I DID NOT GIVE XXXX, XXXX AND XXXX   CONSENT TO REPORT THIS ACCOUNT. 
THIS COLLECTIONS ( Law Offices Of Mitchell ) IS NOT MINE AND DOES NOT BELONG TO ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-15
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Completed XX/XX/2020 PayPal - negative {$1400.00} XX/XX/2020 Transfer PayPal - negative {$1400.00} XX/XX/2020 Transfer Loading transaction details for PayPal - negative {$1400.00} XX/XX/2020 Transfer Paid with Balance Transaction ID XXXX Seller info PayPal Note {$1400.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ; PayPal 's damages caused by Acceptable Use Policy violation XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: Continental Services Group, Inc. d/b/a ConServe
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received an alert from XXXX  that a new account was reported to my credit report negatively. This account is not new! Im addition this account is with a collection company that is collecting on behalf of XXXX. I am in an agreement with Conserve however XXXX is reporting the debt and not conserve. I have been in the agreement with XXXX only a couple months and have paid as agreed. XXXX have report no payments but states on a recorded call that I recorded they have received the payments but refuses to show the payments being made. When they reported the account they did not report the correct amount. I dont care if I pay them {$2.00} a month they have gotten on my XXXX nerves for this {$2.00} XXXX dollars they are going to report it! I refused to let them reage an account illegally and as well show inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
EVER SINCE EXPERIAN & XXXX DATA BREACHES I AM NO LONGER ABLE TO SEE XXXX  IN MONITORING SERVICES..

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 2019-02-20
Company: Credit Protection Association, L.P.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My complaint is with XXXX XXXX. I was not sent a dunning notice prior to my account being sent to a collection agency. In 2017 I resided in Florida and fell victim to the hurricanes so my income became depleted but I did attempt to pay down the balance of {$260.00} by making a few payments, however XXXX sent my account to Credit Protection Association for collection. I no longer reside in Florida and am trying very hard to strengthen my credit. I have sent a letter to the collection agency requesting a pay in full for deletion to which I have received no response. I also sent a letter to the President 's office at XXXX asking them to accept payment in full for taking it back from collection. Once again no response! 
I intend on paying this in full in XXXX if either party will agree to delete this from all three cra 's. I do not intend to just neglect this matter but feel I had the right under FDCPA to receive the dunning notice from XXXX before sending it to collection. I could have made a payment arrangement had I received notice.

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 2017-09-14
Company: Bread Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have limited exact dates of transactions as the company XXXX XXXX XXXX closed in XXXX of XXXX. I purchased several packages from XXXX XXXX XXXX for XXXX XXXX XXXX between XXXX and XXXX. Over those 4 years I paid XXXX XXXX XXXX approximately {$6000.00}. In XXXX when my services ended without being complete I stopped paying XXXX XXXX XXXX as they closed. When I stopped paying I was sent letters from Comenity Bank asking me to pay my balance. I explained to them several times that I do not owe the debt as my treatments are incomplete and in fact I felt as XXXX XXXX XXXX  owed me money. I paid thousands of dollars and still have incomplete treatments. XXXX XXXX XXXX agrees to continue treatments until all hair is gone. They discuss that it can take years of treatments. I did as Comenity asked me to do regarding disputing the charges. I sent them letters expressing that I dispute all charges. I told them I could not get exact transaction dates as XXXX XXXX XXXX is closed. They did not accept my dispute and have continued to harass me. I am now being sued by them. Comenity is claiming I owe them {$2800.00} however with interest and fees they are now suing me for {$4200.00}. They have hurt my credit and I am so stressed. I do n't understand how a bank can harass and force people to pay for services they did not receive. I obviously did not get the services as the place closed. As I have told them I would pay if I received the money or the service but I did not. How can we as consumers trust the stores we purchase things from if this is allowed? If I want to apply at a store for credit for floors I will not ever want to do that. What if they close before I get my floors and I have to pay for them anyway? I think this is a scary precedent to set, that banks can collect money despite no serve or product being rendered. The definition of purchase is to by a product or service. I purchased nothing. I should owe nothing. I am also assuming that Comenity Bank received large payments from XXXX XXXX XXXX when they filed chap XXXX or XXXX. XXXX XXXX has my services and my money not me. Comenity is harassing the little person in this and I am beyond angry. I have also complained to Better Business Bureau and the Attorney General 's office.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I feel I was discriminated against due to race ( XXXX ) and age ( early XXXX ) from my appraiser ( Older XXXX Male ) on my home value, causing me not to qualify for optimal rates. 
I applied to refinance my house XX/XX/XXXX my loan finally closed XX/XX/XXXX My appraisal was completed XX/XX/XXXX pricing my home below market value & Chase would not allow for a 2nd appraisal or consideration Filed a complaint with CFPB on XX/XX/XXXX, heard from chase a week later that they will review Finally heard back on XX/XX/XXXX with chase saying they found no wrong doing & my case is being closed I asked to submit documentation I had for consideration & was told it doesnt matter they made their decision At no point during Chase investigation did chase try to work with me to get more details or provide specific answers to my question Chase rep listened to my initial complaint and took notes but only follow up was they were working on my case that took over 1 month I believe incorrect data and bias data was used to set the appraisal for my house On my XX/XX/XXXX appraisal the main house used to set the price point was a home sale from XXXX when the market conditions were different I would like to know why such an old house sale was used, why consideration to use more recent sales data was ignored On my XX/XX/XXXX appraisal the housing trend was marked as stable & In Balance home price in my area had shot up and there was a shortage due to covid These negative bias factors in setting my home price affected my appraisal value The lower appraisal value disqualified me from optimal rate My current home value + Solar panel lien required an appraisal of $ XXXX in order to achieve 25 % loan value Appraisal of $ XXXX priced my house at {$320.00} a sqft which was the lowest for any home with XXXX data on the appraisal report My house had extensive renovation that included : New bathrooms, Kitchen, floors, paint, tankless water heater, appliances, solar panels & expansion of the house Chase statement Chase states since my loan was sold to XXXX XXXX nothing they can do Chase stated since appraisal was 3rd party vendor all they can do is monitor for future issues Resolution I would like a refund on fees that I wouldnt have paid if I received a fair appraisal Original lock in agreement was 2.5 % with ( {$1000.00} ) Credit ( 25 % loan to value disqualified me ) Instead I paid {$4700.00} at 2.625 % Fees paid + refund due = {$5700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: U.S. BANCORP
State: VA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2019, at XXXX XXXX, I placed an order for two doors from XXXX XXXX XXXX, Receipt XXXX. Sales person XXXX XXXX On XX/XX/2019, I cancelled the doors after discovering that the order only contained 1 door when I thought I had ordered two doors. I immediately notified XXXX and Elan Financial Services of the charge. They gave me an immediate credit but then applied the amount back to my card 30 days later stating that I had the merchandise. Obviously the salesperson cancelled the doors because they were never sent. Thus, I never received the merchandise and Elan Services for XXXX XXXX XXXX  refuses to give me credit for the {$660.00}.

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 2021-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
when my credit cards debts increases by sometimes less than {$20.00}, my credit score drops by XXXX to XXXX points I do feel that is fair and is bad business, because if they drop my credit scores every time my credit cards debts drop {$20.00} or less, my credit score will always be low, that not right. I need my credit report audit from all 3 reporting bureaus, because something is not being done on a professional basis.

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 2021-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
I purchased a used car from XXXX XXXX XXXX  XXXX. I make my payment every XXXX  weeks as stipulated in my contract. The credit bureau shows my monthly payment is {$480.00} each month. The dealer/ in house finance says my payment is {$220.00} every XXXX  weeks. 
I have never missed a payment, The credit report reflects my payments late XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. My credit is ruined. I called the Business Manager XXXX XXXX several times, advising him to correct these mistakes. He has done nothing. I wasn't given a XXXXruth In Lending document to break down the interest and finance charges This was never provided.

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 2020-05-24
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Back in XXXX there was mold all over the walls of my apartment at the XXXX apartment complex. i contacted maintenance on multiple occasions and left messages for the office but no response about the black mold. i emailed them on XX/XX/XXXX about me vacating the premises because i have XXXX and other underlying health conditions and it was affecting my health they came out and just tried to paint over it and they thought i would stay. they told me over the phone that i would not have to pay the debt and they even wrote a letter of recommendation to my current apartment complex where i live now so that i could move in with no problems. now XXXX i have a collection account on all three credit reports for {$2400.00} through Rent Debt automated collections. now XXXX will not answer or return my calls about the debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have a checking account at Wells Fargo. I noticed in XXXX that I had been charged a XXXX XXXX   monthly service fee ( charged on XX/XX/XXXX). I then went back and noticed that I had been charged the same fee in XXXX ( XX/XX/XXXX ). I connected with the bank to ask them why I had been charged these fees. They credited my account the {$60.00} they had charged ( on XX/XX/XXXX and XX/XX/XXXX ) after my complaint. However, my issue and the source of my continuing concern with Wells is that : 1 ) This is not the first time that I was surprised by a service fee. It's happened before, and mostly depends on if I happen to notice it or not. 
2 ) We originally set up the Wells Fargo checking account when we got our home mortgage through wells - it was a requirement to get the mortgage. At that time, I had explained to the Wells representative that I had minimal needs - a few checks and ATM withdrawals - and I wanted the most basic account there was. 
3 ) Somewhere along the line, my account was upgraded to something I didn't need. This new account ( " XXXX by Wells '' ) also came with a high minimum balance requirement, which I was never told about - I would never have agreed to it, because we never intended to keep much money in wells. 
4 ) I asked them when my account was upgraded, as I have no recollection of ever having consented to this, and I definitely did not know about any account balance requirements. 
5 ) I spoke to someone at the Wells Executive Office on XX/XX/XXXX, who told me they were conducting an investigation into this matter and they would get back to me with the results of their investigation - why did I have a banking product I didn't need and why was I getting charged? 
6 ) Since then, I've received nothing but unhelpful replies to my repeated inquires about the results of their investigation. One reply said they would send me their brochures. Which they did. Another just restated the type of account I had and the balance requirements.

7 ) I consider myself a pretty savvy consumer, and I had no idea what product I was using at Wells,  when I had consented to using it, and what the balance requirements were. Perhaps they have got legal coverage somehow but at the very least its an extremely misleading approach. I wonder how many other people are stuck with banking products that are overpriced and unsuitable for them.

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 2021-03-31
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a phone from XXXX and the phone broke back in 2015 and I returned the phone from them and I have email confirmation from them saying they received the phone but I never got a knew one so they sold my information to several collection agencies and now Im being harassed for debt that it not owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
1.Experian, XXXX, XXXX and XXXXXXXX XXXX  violated HIPPA Laws and Rules. 
XXXX. Experian, XXXX, XXXX, XXXX in violation of FCRA Act Unauthorized access to my credit file. 
XXXX. Don't owe a {$1300.00} medical bill. 
XXXX. Unauthorized disclosure of medical information. 
XXXX. I have been harmed by inaccurate crediting reporting. 
XXXX. XXXX XXXX, Experian, XXXX, XXXX illegally accessed my frozen credit file for profit.

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