BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-01
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX, I opened an account in BBVA. I never received the debit car even though I requested it three times. On XX/XX/XXXX, I asked they send it directly to the bank so I could pick it up later because I was going to be out of the US for several weeks ; however, they never gave it to me. Starting on XX/XX/XXXX someone withdrew money from my account for an amount of {$6800.00} dollars, and I realized that until XX/XX/XXXX. I opened a dispute with BBVA, since I never received the debit card, for an investigation on who and how my money was stolen and I sent documents proving that I was not in the US at the time ; but the bank hasnt done any real investigation on the matter and they simply refuse to give me my money back. Since the beginning, this bank has continuously made mistakes because of their poor security and investigation processes and they wont own their mistakes. Ive had to open 5 different disputes and they are not interested in resolving the issue. Because I, being the victim, have been treated as the aggressor ; and it is a totally unfair and irresponsible conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: NC
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:
XXXX. XXXX XXXX is reporting late payments on my account and the account has been payed off! This is a billing error and I'm requesting that this is removed asap under 15USC 1666B

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: EQUIFAX, INC.
State: SC
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:
Hello, I am really hoping that you guys can assist me in removing these negative erroneous items from my credit report. I have reported all of the accounts that were not supposed to be on my report. As a matter of fact I have initiated an investigation more than once with each credit bureau with no response from either bureau. I have several things on my credit which are preventing my family from moving forward in the homeowner process and many other aspects of our financial life and freedom. Please assist me with getting these negative erroneous things removed from my credit as they are accounts that have been falsely reported to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX details XXXX XXXX, XXXX XXXX XXXX from XX/XX/2018 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 filed XXXX  XXXX Bankruptcy on XX/XX/XXXX. Bank of America is reporting my Payment Status on all three credit bureaus account as a collection/charge off as of XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX XXXX # XXXX is reporting an debt to my account that is in violation of my rights. This debt is paid off a while ago by XXXX and is still reporting a balance to my credit report. I have attached proof that this account is paid off. I need this entire account removed off of my credit, it is paid and is in violation of my rights for a paid debt.

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 2021-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Unauthorized use of Consumer report

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 2020-01-02
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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2021-07-23
Company: Coastal Credit, LLC
State: NC
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:
I recently filed a dispute in regards to the incorrect items on my credit report. 30 days has passed & I have not been reached out to about my investigation results.

Company response to consumer: Untimely response
Consumer complaint received 2021-07-23
Company: RateGenius Loan Services Inc
State: NC
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:
I recently filed a dispute in regards to the incorrect items on my credit report. 30 days has passed & I have not been reached out to about my investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: LEXISNEXIS
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:
XXXX XXXX XXXX XXXX XXXX  are currently reporting incorrect information on my credit reort which is the direct result of fraudulent activity. I have advised them of this fact, submitted my ID Theft Affidavit and asked them to provide the source and evidence of the reporting. Not only have they failed to provide source date for the reporting but also continue to report the information in spite of no evidence for doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: Lending Club Corp
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I inquired about a loan from Lending Club. They considered my inquiry as an agreement to take a loan. When I tried to cancel they refused to help me and made me get all the money back from my creditors which I promptly did. 

Lending Club claims they tried to pull the money from my account but they used the wrong account even though it was in the savings account they required me to have it in. 

Now they are saying I'm responsible for the full loan even though I complied to all their requests in a 20 day period. I have spent over 8 hours of hold time and phone calls with them trying to correct the situation and now they are trying to charge me an additional {$1500.00} above the loan amount even after they pulled the money back from my account. I'm already in debt and now {$1500.00} more in debt after paying them back for a loan I did not want. 

They are impossible to work with and get any acceptable results. This is the worst company I have ever dealt with

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: EQUIFAX, INC.
State: NY
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:
On XXXX XXXX, XXXX I checked my Equifax credit report and noticed that my credit score decreased by several points due to a recent change. Upon checking the alerts, I noticed that several accounts that had been deleted from my report were added back on to my Equifax credit report. I then went on to check XXXX and XXXX and saw that they did not do this. This was clearly a problem specifically with Equifax. I called Equifax and spoke to a representative who informed me that there is nothing she can do and that Equifax is not the source of the problem. I would also like to mention that I never received a 5 day notice of any items being added back to my credit report. This mistake caused by Equifax has caused my score to decrease and has also re-aged the accounts that were at one point removed. I demand that Equifax remove these items from my credit report AGAIN and keep them removed as they have caused enough damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020, at approximately XXXX hours I returned a phone call to Quicken Loan. Previously I had sought information regarding a possible rate reduction and refinance. I have today as well in the past forbidden Quicken from pulling my credit score. I advised them NUMEROUS times I absolutely did not want me credit score pulled. I was inquiring to find out what ballpark rates would be for a refinancing of my property. I was speaking with a male mortgage advisor, XXXX. 

XXXX advised me that he would speak with his senior advisor and find a way he could do so without pulling my credit report. 

Shortly after we ended our call I received a credit report advisory that my credit had just been pulled. I was recontacted and I advised XXXX that I was really XXXX off. XXXX played as if he did not know why. He then told me that he thought it was okay if he pulled my credit. XXXX is deceitful and a liar. At no point of our conversation did I ever give Quicken or XXXX permission to pull my credit and lower my credit score. I feel this is a ploy/scheme used my quicken to lower peoples credit scores to keep them held hostage in the mortgage business. This is dirty business and it should be investigated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I opened an HSBC checking account on XX/XX/2019. On XX/XX/XXXX, I received an email from what I thought was the Fraud Prevention team from HSBC, requesting I call them because they needed more information to process my request to open an account. I called them at the number provided in the email and provided them with my social security number, which they asked for the verify it is me. They also sent a passcode to my cell phone for me to repeat back and confirm it is me. They then requested me to send a copy of my drivers license in order for them to process my account opening. I thought this was odd, so I called HSBC directly and they mentioned their Fraud department never contacted me! The email came from XXXX and contained this content. 

Dear XXXX XXXX This email is in regards to your account with HSBC ending in ( XXXX ). After reviewing your account, it has been determined that additional information/documents are needed in order to process your request. Request you to please give me a call back at XXXX. My work hours are from XXXX XXXX to XXXX XXXX Monday through Friday ( excluding Business holiday ),  Eastern time. 

Thanks & Regards XXXX XXXX XXXX Fraud Officer, Fraud Operations, Financial Crime Risk Operations HSBC Operations, Services and Technology Operations Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: CITIBANK, N.A.
State: ME
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hello, Once again I am not able to make payments on-line, there is blocked access to my credit card account payments page. I am being re-directed to an email verification page. Once again I have tried to clear cache with no resolve. Getting thru to IT help is sketchy but results in a reset that works but when going in to make payment it fails again.

I have been forced to make phone payments, and unable to edit my promotional balances with on-line access blocked once the re-direct happens ( we need your email info updated ) The error I receive states " please enter a valid email address '' Last month I had it freeze after access, and no confirmation of payment so I made a phone payment to avoid late payment. Two payments were processed. 

The company response is not helping, yet my complaints get closed. I will continue to report these occurrences as a matter of record, for any future action I guess? 

Please assist in at least reporting my issue somewhere so others can see that XXXX is not the greatest at internet banking access.

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 2022-05-04
Company: Nelnet, 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:
This has been an on going issue with XXXX. I sent letters to Nelnet and XXXX asking for the accounts listed to be investigated per the FCRA. I sent complaint and XXXX responded with the attached letter. 

According to the FCRA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge or who may have knowledge concerning any such items of information. 

They stated my account my account were verified but how is that possible if they did not perform perform a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % accurate. Lastly, according to the FCRA 15 USC 1681 everything has to be 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: Experian Information Solutions Inc.
State: MD
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:
On XX/XX/XXXX Experian refuse to investigate a company that sold to a 3rd party my personal information without consent in the amount of {$340.00} ; when I began disputing other fraudulent accounts XXXX XXXX XXXX appeared on my report around XX/XX/XXXX stating I was in default of an utility bill back dating 24 months and damaged my credit. 

All written communication is returned by creditor and they will update another derogatory mark. Creditor does not have a Maryland resident agent to effectively communicate.

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 2022-08-17
Company: EQUIFAX, 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 called the XXXX credit bureaus after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were erroneous accounts on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). I included this in my last COMPLAINT # XXXX, and XXXX and hoping that these questionable accounts will be corrected. XXXX XXXX XXXX XXXX XXXX : {$13000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX XXXX Balance : {$430.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I called the XXXX credit bureaus after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were erroneous accounts on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). I included this in my last COMPLAINT # XXXX, and XXXX and hoping that these questionable accounts will be corrected. XXXX XXXX XXXX XXXX XXXX : {$13000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX XXXXXXXX Balance : {$430.00}

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 non-monetary relief
Consumer complaint received 2022-05-04
Company: World Acceptance Corporation
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
WORLD FINANCE, balance is {$230.00}, and account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: MORTGAGE SOLUTIONS OF COLORADO
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX through no fault of the " Mortgage Solution '' we received a notice from the mortgage Co, that our escrow was short. Unfortunately our city property taxes, went up from XXXX to XXXX. So I went to my city to figure out what was going on. I was informed that I had not filed my exemptions in 3 years and was getting money back for all three years. 

My problem is that after I went to XXXX Courthouse, on the check back for 2017, they told me to send the 'overpayment ' amount to the mortgage co , and they would then adjust my amount due. I did that on XX/XX/XXXX. On XX/XX/XXXX, my mortgage was still over XXXX. So I called them and was told, that the county letter of 'overpayment ' was not enough from them. They would need direct info from XXXX. Then in XX/XX/XXXX I sent in XXXX to mortgage co. towards my tax escrow. They told me, because of the shortage that would not be enough to go down on my mortgage. Everytime I talk to someone there, I'm getting another lie. We can not afford to keep paying this amount, and since XX/XX/XXXX, they've locked me out of my online acct. Why!!!!! We've not been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: Capital Accounts, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had XXXX  services by XXXX ( XXXX, VA ) on XX/XX/XXXX based on a Pre-Estimate approved by my XXXX   insurance XXXX, where it explains that per my plan, the insurance will pay {$550.00} and that my responsibility was {$290.00}, which I paid on the day of the services. However, there was an issue in regards to the XXXX office being an in-network provider, so XXXX put my account on collections with Capital Accounts, XXXX. XXXX XXXX, XXXX, TN XXXX, for {$720.00}. Eventually, after my many complaints with the Wisconsin and Virginia Health Commissions and the XXXX XXXX XXXX, my insurance company, XXXX, sent me a letter stating that it had made a mistake and that the XXXX provider was, indeed, and in-network provider. Furthermore, the insurance company confirmed that it release the payment to the XXXX office on XX/XX/XXXX and that XXXX said that they would remove my account from collections once they have received they payment, which they already did on XX/XX/XXXX. 
After my insurance 's clarification, I expected that my account would be removed from collections, but it has not since even today, XX/XX/XXXX, I received another collections bill.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Caine and Weiner first sent a bill collection letter to me in XX/XX/XXXX, upon receiving it I sent a debt validation letter. As this bill was already paid in Full to the creditor. Please see attached.

Company response to consumer: Closed with explanation