BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-28
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: Information belongs to someone else

Complaint:
This complaint is for the timeshare company XXXX. I've previously disputed this account and was deleted from my credit reports under Equifax XXXX XXXX, but reappeared and is reporting negative again. I want this to be removed as it is very illegal to add on removed fraud accounts. This inaccurate account is being reported in my credit records again and is hurting my financial stability. I have disputed this and was deleted but they've added it again. Moreover, they've violated my consumer rights ; specifically, failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. There has been continued charges, added interest and fees which are to be suspended until resolution has been found. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. Not only have they ignored my prior requests for validation of the account but continued to contact me through means of robotical debt collection calling. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. I am intending on filing the disputes with the consumer regulatory bureaus and state attorney 's office. They are willfully violating the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The continual stress of harrassment, damage to credit report, and the collection efforts must stop until a reasonable resolution is found. My requests for validating accounts were ignored, I have never received any response from them to validate accounts. They failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18
Company: Campus Student Funding, LLC
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
My complaint is for XXXX of XXXX, PA once a part of XXXX Colleges that forced me into getting a XXXX loan from XXXX XXXX XXXX. I have submitted a complaint in the past about my XXXX loan and have gotten no with it and now my loan was sold to another private lender Campus Student Funding LLC at XXXX XXXX XXXX XXXX. I have making payments none stop for almost 4 years now and my balance is actually higher now then it was when i was in school and from when i graduated in XXXX 2012. These high interest loans and the high cost of XXXX in general put me so far in debt that I was not eligible for a mortgage because my debt to income ratio was too high. Even with close to a XXXX credit score the loan officer was not able to help me. I pay all my bills on time but here pretty soon I 'm not gon na be able to afford the genesis loan that is now with the other loan servicer. This was unfair practice on the part of XXXX colleges and the XXXX lenders and now four years later I am still suffering from attending there. I never received anything saying that the lawsuit against them would help reduce my debt. I think XXXX sold the active accounts before they were able to be reduced. I think my loan should be reduced since i have not missed a payment since XXXX of 2012 and my balance is even higher now then it was when i graduated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: U.S. BANCORP
State: MO
Product: Credit card
Issue: Transaction issue

Complaint:
U.S. Bank withdrew {$390.00} from my personal checking account ( also with U.S. Bank ) to pay a business credit card account without my authorization or permission, and without providing me notice. They claim they sent me an overnight letter via XXXX on XXXX and the money was taken from my personal checking account at XXXX on XXXX. I never received such a letter.

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 2021-09-28
Company: U.S. BANCORP
State: AZ
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:
I have an fraudulent inquiry on my account from US Bank and XXXX is taking no action to help remove this. I've reported this to US Bank and have no reply. I need this inquiry removed now.

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 2021-09-28
Company: SYNCHRONY FINANCIAL
State: CA
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:
Company : Syncb/aevisa ( Bank ) XX/XX/2021 XXXX XXXX ( Automotive ) XX/XX/2021 XXXX  ( Finance ) XX/XX/2021 I asked them if I could get an estimate on how much the price of the vehicle would be if my credit is around XXXX. They gave me an estimate of the car but I didnt even know that they did a hard inquiry on my credit until now. I never gave them permission to check my hard credit score and they never told me that they would be checking my hard credit score because if they did I would of asked them not to. The whole time I was lead to believe that they generated a good price on what the vehicle might cost using the FICO score provided by my bank XXXX XXXX and other information I gave to them. All the other banks and finance companies they used I have no information about and would like to take them off as well.

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 2016-08-19
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
As a borrower my loan was first with XXXX XXXX XXXX and I was approved for a Forbearance XXXX/XXXX/XXXX and the loan was transferred to Carrington on XXXX/XXXX/XXXX. Borrower made 2 payments and Carrington would not accept any payments after, lender had requested full payment ofXXXXXXXX. A Quit Claim Deed was submitted on behalf of ex-spouse XXXX. Lender then stated that a new law in XXXX was drafted that the Quit Claim Deed would not be sufficient enough is that a law for all states or the state of CA As a housing counselor I felt that information was not represented to me as the Third Party on behalf of the borrower. A loan modification application was submitted and on a complete package was received. A second modification was submitted on XXXX/XXXX/XXXX, complete package received XXXX, and XXXX/XXXX/XXXX file was submitted to under writer for review. XXXX/XXXX/XXXX it was stated that the borrower was denied due to debt to income at 40.77 % including the partial FHA claim. The representative at Carrington stated that the income used on the XXXX modification was {$2800.00} but on XXXX/XXXX/XXXX {$2100.00} income was calculated. The borrower had an increase of pay that should have been calculated on the XXXX loan modification. I called Carrington and spoke with a representative on XXXX/XXXX/XXXX who stated that the borrower had excessive forbearance. I immediately did a return call to Carrington for additional update on the numbers that was used for the waterfall to determine the denial. The representative stated that he could not give ne the numbers used because I had already call and the decision had been made. I then proceeded to ask to speak with management and was told that I would need to submit a formal dispute if there was additional findings and that management would not talk with me. I called back to Carrington on XXXX and wanted some more information on the denial the representative stated that because the home retention was located in CA and they were not in and I need to call back at XXXX eastern standard time. He could not give me any information because he was not licensed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: U.S. BANCORP
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX, 2015, I ordered a specific flower arrangement as advertised on the website of XXXX with the understanding that my order would be processed on an express basis and delivered the same day. This did no occur. I tried to use the tracking number provided and that did not work. I attempted several times to call this vendor and resolve the matter. The call center turned out to be a joke. I suspected fraud. I did communicate to the company to cancel my business and promptly refund my money. This never occurred. I learned five days later that this vendor made a feeble attempt to send dead flowers in a cheap vase that I did not ask for or order. When I contacted my XXXX card issuer ( U.S. Bank/XXXX ) I was given a temporary credit. When I submitted all documentation to the fraud division, I was later told by ( XXXX ) that they do not get involved in customer disputes. In fact, he said he did not talk to the vendor at all. Astonished, I asked how this could be classified as an investigation? XXXX just kept to his script even after stating that I bought something that I did not receive. I then pursued by a phone call to have the matter escalated to someone one else. U.S. Bank personnel have been totally unresponsive. I even sent a faxed statement and request on XX/XX/2015 to their XXXX. No response. This is over a month now. I chose a credit card payment method vs. a debit card for more protection. My credit union would have resolved this by now. Not U.S. Bank. They seem completely uncaring. I do have accurate and complete documentation on this matter which supports this statement. I even provided the terrible reviews from other customers with similar experiences who lost their money by paying for something they did not receive.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-28
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened up an account with Simple bank in XXXX. In XXXX of this year, Simple closed and transferred my account to BBVA. I never received a BBVA debit card, so I planned to close this account and stopped funding it. 

On XX/XX/XXXX, I called BBVA support and was told that I could not close the account because there was a positive balance of {$7.00} and change. I asked for a check, and told this was not possible, but instead I needed to withdraw or spend the money. I don't have a debit card and there are no locations near me. 

I called back in early XXXX and was moved between 3 departments over 90 minutes and then hung up on. I called back, was told I wouldn't be disconnected, and was hung up on. 

On XX/XX/XXXX, I received a notice that I owed XXXX  NSF fees, totaling over {$1200.00}. I called and was told I still can't close out the account because it is not a XXXX balance. The NSF fees were tied to XXXX transactions from weeks prior because I didn't change my back-up bank account. Please note that with Simple I did not have OD protection or ANY type of NSF fees. I never consented to OD protection/fees with BBVA. If provided the choice ( I wasn't ) I would've declined and allowed the transactions to decline. 

I called BBVA again on XX/XX/XXXX. I told them I want the account frozen and closed, and that I do not plan to pay these predatory NSF fees on an account I never wanted, for a service ( OD protection ) I never wanted, and for an account I had tried to close more than a month prior and was denied. The complaint has been escalated to Corporate as the agent I spoke with had no power to address the complaint directly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-06
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Since I got my permanent resident status, I am banking with BBVA Compass. My relation with the bank is under two years. 

Recently closed my office and immediately asked BBVA to stop payment monthly rent, to the owner of property, I made a stop payment request on XXXX/XXXX/2016, and again on XXXX/XXXX/2016. 

Due to some password issue, I visited bank branch on XXXX/XXXX/2016 and enquire about balance, which was in positive. If on XXXX/XXXX/2016 branch manager showed me positive balance. 

BBVA on backdate made payment of rent, ignoring my online request for stop payment and charge certain amount as overdraft protection. 

Since there was positive balance so I made deposits on my XXXX credit cards, resulting bank made payment and exercise overdraft protection twice as XXXX transfers. 

Now BBVA instead admitting the mistake of over sight of stop payment request, pull more money and negative balance increase. 

I want to close my XXXX accounts of BBVA and wanted them to adjusted unnecessary pulled out money and refund wrongly made payment of rent. 

They blocked my online account access. 

There is no customer service telephone is answered, only getting the message " ALL AGENTS ARE BUSY '' and phone hang-up. 

Wanted to file complainant through corporate website, but getting this message " We 're sorry, the page you requested was n't found '' When visited online chat services I am getting this message " your request has been forwarded and you will be assisted in a few moments ''. Moments they mean over one and half hours. 

CFPB is humbly requested to intervene and help me to close my account and asked BBVA to issue clearnce letter once matter is resolve.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-20
Company: Frederick J. Hanna & Associates, P.C. (closed)
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
For several months I have been trying to get XXXX to have XXXX XXXX XXXX to send me a receipt showing it applied {$11000.00} to and status of the credit card account that shows on my credit report that XXXX charged off in 2009. XXXX refuses to address my request. I have a copy of the check when it was deposited in XXXX account. I request that I get this receipt with the account number off of the credit sent to me from XXXX XXXX XXXX or XXXX as an attachment to an email. My email address is XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: American Credit Acceptance, LLC
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 information incorrect

Complaint:
American Credit acceptance has my car loan and they are reporting the incorrect balance information on my car loan to my credit. I have ask them twice XX/XX/21 and XX/XX/21 to send me a copy of my payment history, American Credit acceptance has not sent the information request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: Experian Information Solutions Inc.
State: MI
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:
Experian have reported that I have used 20.29 % when it is 0.0 % of my credit limit and that is not true and i have them and they refuse to correct the information and the make my rating a risk factor. It is very important that my information is reported correctly.

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 2021-09-28
Company: Experian Information Solutions Inc.
State: MA
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:
This is a fraud account from XXXX XXXX were my information was used to open a account and eventually charged off. I have tried to dispute this account with all 3 credit bureaus who claimed they have investigated with creditor and verified information was accurate, which is untrue. I asked for proof showing I open account, but never received documentation showing I authorized or signed any documents. This has caused my credit report and score to be affected. This is account was open fraudulently under my 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 2017-03-21
Company: BBVA FINANCIAL CORPORATION
State: CO
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
WENT TO CASH IN A 12 MONTH CD AND WAS TOLD THE GRACE PERIOD HAD EXPIRED. I WAS STILL WITHIN 10 BUSINESS DAYS FROM THE MATURITY DATE BUT THEY CHARGED ME A {$120.00} PENALTY ANYWAY. I TRIED TO CASH IT IN ON XX/XX/XXXX BUT THEY WERE CLOSED WHEN I ARRIVED AND THEY WERE ALSO CLOSED ON XX/XX/XXXX SO I CASHED IT IN ON XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I have an fraudulent inquiry on my account from XXXX XXXX  and Transunion is taking no action to help remove this. I've reported this to XXXX XXXX  and have no reply. I need this inquiry removed now.

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 2017-01-03
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
The company contacted me at work. Ive never heard of this company in connection with my student loans. I have also never received information from the original debtor or the company so that I may verify the original debtor contacted this company to use their services regarding my student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have no recollection of this collection. UNITED REVENUE CORP. Never signed a contract with this company. I have written them directly and received no response. Someone either from a data breach or theft of my purse has use my information to obtain all kinds of weird things. I 'm tired of trying to call when they just tell me I owe the debt and do n't care to help.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I do not believe I am liable for this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
This is a fraud account from XXXX XXXX were my information was used to open a account and eventually charged off. I have tried to dispute this account with all 3 credit bureaus who claimed they have investigated with creditor and verified information was accurate, which is untrue. I asked for proof showing I open account, but never received documentation showing I authorized or signed any documents. This has caused my credit report and score to be affected. This is account was open fraudulently under my 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