BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
In accordance with the FCRA Everything has to be 100 % accurate on my credit report. The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions : Accounts : DEPT OF ED/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 XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, 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 XXXXXXXX. 
Inquiries : XXXX  : XX/XX/2021

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 2022-09-29
Company: Credit Corp Solutions Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Warrants were taken XX/XX/2022 without ever contacting me concerning debt that was purchased by their client who also violated proper notification. I never received or new anything about this attorney. I'm now being told that a 3rd party purchased debt for a low cost and now suing me for large amount plus interest XXXX XXXX XXXX law firm failed to properly notify me on what they were doing or debt. I received no written notices, just 5 written warrant in debt letters. I immediately contacted them but it was too late. Even now I'm being served by the sheriff after requesting to go through the dispute process. I spoke to someone who said they sent 1 letter. In which I don't believe, because his story changed after I hammered them for violating the law. They are simply taking advantage of people in horrible times. 

Additionally credit corp solution sent me ONE debt notification only! in which I properly disputed in writing. They ignored my written dispute, gave it to an attorney. The attorney immediately obtained a warrant in debt that I had no idea they they had and sent me a dispute letter 2 days later from credit corp. What??? This is horrible... the two companies are working together to hurt people bad. This needs to stop. They are running around purchasing debt for pennies and suing for large amounts as of consumers brought from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello, I have a lawyer and will be suing USAA for wrong doing of disputes. They tried to say it's my fault but this info is nit true at all. Also XXXX will not allow my husband to transfer his VA money into his acct which us ABSOLUTELY INSANE AND NOT RIGHT! THAT VA THAT WAS DEOOSITED THIS MORNING NEEDS TO BE TRANSFERRED ASAP. WE HAVE 4 CHILDREN AND DO NOT HAVE ACCESS TO THE ACCT. I will be having my lawyer contact usaa as well to get this resolve. USAA HAS ALSO BEEN IN THE NEWS FOR TAKING MONIES FROM ACCT HOLDERS. I will make everyone aware if Usaa and don't recommend them to anyone. It's not fair how they treat there customers

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Self Financial 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:
I had a XXXX balance on my Self credit card and have been a customer for over XXXX years with not a single missed payment. This card I rarely use as I qualify for better cards with better benefits. I kept it open only for reporting purposes as it's one of my oldest cards. To my surprise, I receive a notification from XXXX XXXX that Self has reported my credit card payment as late. This should have never happened as I should have a XXXX balance as I do not use this card! I immediately pay the balance ( even though this is 100 % FRAUD ) as I have worked extremely hard to raise my credit to an acceptable score and wanted this to stop reporting as a " late balance '' on my credit report. I immediately call them to report the fraud on three separate charges for the same company, for the exact same amount. They refund my money for these charges and stated they will need to suspend my card and send me a new one which I was perfectly fine with. They, however, refused to correct the late payment reported on my credit or allow me to speak with a supervisor. They promised they would have a supervisor call me back the next business day and of course, they never did. I just so happen to check the card last week and I have YET AGAIN, ANOTHER FRAUDULENT CHARGE from the same company on the same card that they said they suspended. This company lacks accountability for its mistakes and customer service is subpar at best. They should be embarrassed about the way they do business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Experian Information Solutions Inc.
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:
In accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX in the amount {$430.00} last reported on XX/XX/2022, has violated my rights. 
15 USC 1681 section 692 A - states I have the right to privacy.

15 USC 1681 section 604 A - states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-08-23
Company: FinCo Services Inc DBA Current
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The light company said they sent my money back a month ago and the bank is steady saying they haven't received the payment yet and I need my money now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: PLANET HOME LENDING, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have tried to resolve the issue with this company about my taxes being removed from my mortgage payment. The first time they did not complete their job I simply called to check the status and found out they failed to even verify anything just went with what was currently on my account. I then called my tax commissioner and was informed the supervisor has been out but they immediately updates my taxes. Called back to mortgage company they already had approval letter and documentation signed and all about being tax free due to 100 % XXXX they then opened a new research case instead of using current one and said they were going to have to wait timeframe to process refund. They didnt know how much refund was but knew they paid out taxes on my account. I called got refund amount for both tax disbursements after mortgage company tried to say they only paid out XXXX. Then they voided XXXX and was supposed to put it back in my escrow account. Never has been deposited. The check from tax commissioner office was received by them on XX/XX/XXXX in amount of {$1300.00} but they tried to deposit only {$810.00} of it but now are saying they have to verify amount of check or someone keyed it in wrong. Yet it has been XXXX, months since this started, they have not gave me my money back has not given me an update or answer on whats taking so long, no time frame has been given or stuck too. Last time it was it would be completed by XX/XX/XXXX and it still hasnt and keeps says its been expedited but now when you cant tell me a time frame for an expedited case that should be faster than a normal case time especially if you have all the information. I think they are a scamming fraudulent mortgage company who thinks they can steal people money and not expect someone to follow up and call them out on their thieving acts and I will not tolerate this especially when you constantly lying and harassing me for payment for XXXX when it still includes taxes just like XXXX payments did and I paid them cause they said it would be done before the next month and the next month came and it wasnt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have reached out and they stated that the information has been verified but by how? not from me and never received anything asking me did I do anything or lived here

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 2022-12-12
Company: ERC
State: KY
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 have never entered into a contract with this company. I have not given them permission to report my personal information to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Movement Mortgage LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
To start, my loan was a nightmare. I kept asking about the rising interest rates because I got an offer for a 4.5 % interest rate from another company and was told that Movement was still the way to go because the other included a hidden 1 % additional fee. I ended up getting locked in at 5.9 % on XX/XX/XXXX which was higher than the competitor even WITH the hidden 1 % fee when my lender went into " panic mode ''. I then found out it was really 5.99 %. I was told that XXXX did not exist, that it was a typo and I had signed the document with the 5.99 % on there ( I was told that signing the document was okay because it was not the " final '' version ). 

I ended up calling Movement Mortgage XXXX XXXX on XX/XX/XXXX to get the interest rate situation sorted out. She said she could do one of two things -- Movement would pay {$1000.00} towards the next lowest rate and I would have to pay the excess or they would pay {$1000.00} of my closing costs. I chose the {$1000.00} to the closing costs. I now get an email on XX/XX/XXXX that Movement had to extend my lock an extra day but that my realtor, XXXX XXXX, was taking care of the extra cost for that. 

I now get to the actual signing and the {$1000.00} off my signing is now only {$460.00} as the rest of it went to the extra day lock -- I had XXXX, the escrow officer of XXXX XXXX XXXX Movement to confirm that is where the money went. I have yet to get the remaining {$530.00} of the {$1000.00} promised to me from Movement that was already covered by my realtor and Movement is now trying to force me to sign a Settlement Agreement before giving me the rest of the money they owe and already agreed to pay. 

I got a response from XXXX XXXX on XX/XX/2022 with the following : Cash to Close - After your discussion with XXXX XXXX you were to be given a lender credit of {$1000.00}. Here is how that {$1000.00} was to be applied. We did not charge the .125 % discount point ( {$460.00} ) and we were to give you a lender credit of {$530.00} on the Final CD. Adding those two numbers equals a credit that would have equaled {$1000.00}. Unfortunately you were only given a lender credit of {$460.00} on the final CD. Adding {$460.00} ( fee not charged ) and {$460.00} ( credit ) equals {$920.00} I will be more than happy to send a check for {$75.00} to you but our legal department requires me to send a Settlement Agreement for your signature. If you would like for me to start that process, please let me know. 

Again, they ignore the fact that the extra day lock was already covered by my realtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: U.S. BANCORP
State: ME
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
i have lost my card a few years ago. i was working so i felt i didn't need it so i threw it away. chopped it up and threw it away. the week ofXX/XX/XXXX i got a notice in the mail from unemployment saying they loaded my benefits on the card. i don't have that card and i have been trying to get a new one sent out and its been three weeks i haven't heard anything back yet or nothing

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 2022-12-12
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a CareCredit account issued by Synchrony Bank that was included in my XXXX. XXXX bankruptcy discharge. After receiving my discharge, I had applied for PayPal Credit which is also issued by Synchrony and was approved for a {$2300.00} limit. I was approved on XX/XX/22 and made XXXX purchase under the 6 months no interest option. Today on XX/XX/22, I login to my account just to see it is now closed. I chat with an associate online and they advised me that it was closed due to my history with Synchrony. If they were going to hold my CareCredit discharge against me, then why was I approved for an account only for it to be closed not even XXXX months later? This bank is very shady and I do not recommend anyone use them. There are many reviews/complaints that Synchrony randomly lowers credit limits and randomly closes accounts. I can understand if I got declined for including XXXX of their cards in my bankruptcy... but to approve me then close my account later on for my history is a poor business practice. So much for rebuilding my credit.

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 2022-08-02
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: Personal information incorrect

Complaint:
I have reached out and they stated that the information has been verified but by how? not from me and never received anything asking me did I do anything or lived here

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 2022-12-12
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I owe a bill with Synchrony Bank. I was paying on time until I was unable to pay and I called to tell them and agreed to pay when able. I couldnt pay cause my mom was losing her house and went into ICU do to XXXX XXXX. They put it on my credit report anyway. They sent papers to my home and I called the rep. and they said it was paused. I told the rep I will pay, but was on XXXX and wasnt working. 
Now I have a judgment filed against me without them even reaching out to me. I just talked to a rep. last month and I agreed to pay what I owe. She told me that would not work for them. Now I have this judgment. This is not right. After covid they are bullying me when I kept in contact the whole time. They lied to me. I just started back working the end of XXXX XXXX. My house note is XXXX behind and doing my best to catch up. Please see attachment for date and amount. Thank you

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 2022-09-29
Company: ENCORE CAPITAL GROUP 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: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX, and I need your help in reaching this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. This is a serious matter, and I'm unhappy that it's now affecting my credit score. As it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They need to figure out who established the account in my name and give those details to them rather than me. Kindly help me in solving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'm getting letters repeatedly from Midland Credit Management. I responded 3 times already, twice by mail and once by phone. They are harassing me about a debt I don't owe. I have 2 accounts with XXXX XXXXXXXX and both of my accounts are current. 

MCM account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Avant Holding Company, Inc.
State: NJ
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: Investigation took more than 30 days

Complaint:
XX/XX/2022 - Received an email from Avant Credit stating that an application for credit could not be completed due to a credit freeze. This was a fraudulent application submitted in my name. I called Avant and reported the application as fraudulent, requested to see the application and requested that they inform the 3 credit bureaus that this inquiry on my account was fraudulent. Avant customer service said they'd forward the information to the Fraud team and the Fraud team would email an " Identity Theft Victim 's Complaint and Affidavit '' form within 5-7 business days. I could send the form back and then they'd be able to investigte and proceed. 

XX/XX/2022 - Received the Affidavit form from Avant Fraud via email. 

XX/XX/2022- Emailed notarized Affidavit form back to Avant ( at XXXX  ), as per their instructions. 

XX/XX/2022 - Called Avant customer service to follow up on the status. They stated that there is no way to speak to anyone on the Fraud team, I should email the Fraud team again at XXXX to follow up. 

XX/XX/2022 - I still have not received a response from Avant. I called again to follow up, again was told to email. I stated that I have yet to receive a response to my previous emails. Customer service stated that they would escalate my inquiry and someone from the Fraud team would respond within 14 days. 

I decided to file this complaint with the CFPB because it has been nearly 3 months since I submitted information on this case and no one at Avant will contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: ENCORE CAPITAL GROUP INC.
State: PA
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 have sent several letters to have these collections removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Midland Credit Management XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2022 at approximately XXXX I was unable to access information on a transaction dated XX/XX/2022 for {$690.00} payable to XXXX XXXX XXXX XXXX as depicted on my ledger. I called customer service at USAA and spoke to XXXX XXXX employee # XXXX ) The USAA associate instructed me to upload my State ID online at www.usaa.com/identity for a verification process. This is not the standard secured website with multiple authentication processes, but a standard website without any security protocol. I'm concerned with the validity of the website provided plus the fact they can not provide any information on my account until the ID is reviewed. The process to review the ID per www.usaa.com/identity is 3 days. Meaning that if my account was to get hacked, or if I noticed unusual activity I wouldn't be able to report it until after the verification process. It's a very vulnerable situation as a consumer. USAA claims and uses as a shield that this is part of The Patriot Act. Is this true? My account with USAA is XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: FL
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:
15 U.S.C 1681 Section 602 A states the right to privacy.

U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 



Account # XXXX Account # XXXX Account # XXXX Account # XXXX

Company response to consumer: Closed with explanation