BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-02-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/XXXX : check {$1800.00} for {$3100.00} issued to XXXX XXXX. My USAA bank, misread the amount, and only paid him {$310.00}. I called many times. Finally, on XX/XX/XXXX, they issued a 'bank ' check adjustment to XXXX XXXX bank ( XXXX XXXX  ), for {$2700.00}. XXXX XXXX NEVER GOT THE BALANCE. NEVER. He showed me his mobile bank account. 
USAA debited MY account for the {$2700.00}. 
XXXX XXXX came to my door, asking for the rest of the money. It had now been XXXX MONTHS! He never got the previous money, before XXXX or XXXX! He was angry. Rightly so. 
I had to give him a another check, personally, for {$2700.00} ( ck # XXXX ) on XXXX XXXX. 
I am now out almost {$6000.00}! 
Usaa is still saying they sent the money XX/XX/XXXX, and it's now HIS bank 's problem. 
THIS IS NOT MY PROBLEM. THIS IS NOT XXXX XXXX PROBLEM. 
I WANT THE EXTRA {$2700.00} REFUNDED. 
I have NO IDEA, where USAA sent the check adjustment. I am not a private bank XXXX. 
THIS IS 100 % THE BANK 'S PROBLEM. My bank was supposed to put a 'stop payment ' on the XX/XX/XXXX check adjustment. Now they say they can not get the money back, and i have now DOUBLY PAID XXXX XXXX! XXXX XXXX is NOT happy. He waited > XXXX months to get paid. I'm not happy, because i have now spent hours trying to fix this problem, to XXXX XXXX XXXX XXXX XXXX XXXX XXXX.please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29
Company: Prosper Marketplace, Inc.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This account was discharged in a bankruptcy on XX/XX/year> in the State of CT. I've contacted Prosper numerous times over the last few weeks to tell them but they continue sending me emails, messages and today I received a letter from them in the mail.

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 2024-02-02
Company: Skopos Financial, LLC
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Skopos Financial has claimed that i still owe money on my vehicle loan. My loan was for 81 months started XX/XX/year> and my loan term has expired. I already have the title to my vehicle and my title doesnt show a lienholder.

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 2024-01-29
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I need to report the XXXX  of my XXXX XXXXXXXX XXXX XXXX and my XXXX XXXXXXXX XXXX XXXX. Im not going to get bullied by XXXX XXXX and them doing fraud because theyre not capable of getting a real job that doesnt involve stealing from me or my real family. All the banks are claiming theyre trying to help but theyre making a short term profit and a long term bad decision by failing to disclose and provide me access to all of my funds. Im not your XXXX XXXX  or your rancher thats a teleprompt and a fake XXXX. Leave me alone and you guys should be ashamed of yourselves for attempting to turn the United States of America into the United States of Frauderica

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 2024-01-29
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute through XXXX regarding an old auto loan and repossession showing on my credit. Now the debt shows as just recently charged off, which is invalid. The last payment on the vehicle prior to repossession was over 13 years ago. It states on my credit file that it was past due as of XX/XX/XXXX, but that is an error on the part of Wells Fargo ; as you can see from the attached XXXX report it was really last paid on XX/XX/XXXX. Per the Fair Credit Reporting Act, this account should have only remained on my credit for up to 7 years, but Wells Fargo fraudulently reported it again in XXXX, though I made no payment arrangements with the company, nor did I enter a settlement for this debt. The statute of limitations for this debt, which was my ex-husband 's in our divorce settlement, has long passed and this should be cleared from my credit report. Be advised that the last name was under my then-married name of 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 non-monetary relief
Consumer complaint received 2024-01-29
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Changes in loan terms during or after closing

Complaint:
WHY MY 12-DIGIT HOME LOAN NUMBER WERE CANCELLED OUT AND IMPROPERLY DIGITALIZED FROM XXXX TO XXXX THEN TO XXXX JUST DOING A REFINANCE THEN TO A LOAN NUMBER XXXX AS A CONVENTIONAL LOAN? VA LOAN GIVEN BY THE VA HAS UNIQUE LOAN NUMBERS FOR PROCESSING LOANS TO LENDERS. LETTING THEM KNOW THAT IT`S A SPECIAL LOAN FOR STANDALONE PROCESSING. LIKE GIVING A SECRET CLEARANCE TO A PERSON IN THE GOVERNMENT. AND THAT NUMBER STAYS WITH THAT INDIVIDUAL FOR LIFE AND CAN NOT BE TAKEN AWAY. MY VETERAN PREFERENCE IS FOR ME TO HAVE THIS BENEFIT. AND YOU AS A LENDER JUST TOOK THAT AWAY FROM ME CAUSE I WANT A HOME FOR MY FAMILY.

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 2024-01-28
Company: Ray Klein, Inc.
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is related to my other 2 complaints ; I was XXXX  during my visit to my parents in the XXXX last XX/XX/. The visit was sponsored by my sister who were living in the US and also in their house I stayed. My stay in the hospital accumulated a large amount of bill which I can't afford to pay. That's the reason why I ask for assistance to XXXX XXXX because I don't know how to pay it because I don't have a job. I only rely to my husband 's little amount of salary along with our XXXX kids. And we barely have some spares with that kind of amount. It's only enough for our day-to-day necessity expenditures.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02
Company: M&T BANK CORPORATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XXXX Unauthorized Transaction. 

I contacted the company on or about XX/XX/XXXX which was a Thursday to make a complaint of an unknown authorized transaction claim # XXXX Account ending in XXXX when i spoke to the rep on the phone they stated it looks like you authorized the transaction and M & t most likely will not refund you your money This was on a Thursday I received a letter in the mail dated XX/XX/XXXX which was a Sunday stating that they completed a Thorough investigation which i highly doubt based off of the time frame of the complaint and the date of the letter. I received this Letter on XXXX This was a XXXX TRANSACTION through XXXX and my Bank soon as i was made aware and seen the transaction on my transaction history I did not hesitate to call the Bank. According to The Electronic Transfer Act i Have 60 Days prior to the discovery of any unauthorized transactions to make the bank aware according to this act the consumer is liable for XXXX of the unauthorized transaction I need to be refunded for this transaction. Soon as I got the letter I reached out to my bank, and they gave me no answers they said XXXX would reach out to me and I contacted XXXX and they told me to reach out to my financial institutions again i got no answers. I Have attached the letter response from M & T. Also M & T was involved in a data breach back in XXXX and they stated none of my information was leaked however this unauthorized transaction may be due to this issue I have also attached as well. I plan on making a complaint with the comptroller of Currency and the Attorney General 's Office as well as the FTC. I am asking to be refunded for this unauthorized transaction I know the bank has filed a claim and they will be paid regardless so I need to be refunded for this unauthorized transaction. 

M & T should also not be providing 3rd party information to non affiliates without my written consent involving XXXX which is a direct violation of The Privacy Act of 1974 also holds fines up to XXXX for providing such information that i never consented to giving.

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 2024-02-01
Company: TRUIST FINANCIAL CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
2023 I paid more than required yearly for my car payment. I ask the company to provide me with the balance they say that I owe and dates. The information they provide was not aligned with my statements from my bank account. I feel there is discrepancies in there billing practices.

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 2024-02-06
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have care credit card through syncrony bank.This card is used for pet needs medical needs only. 

When I use the card and the purchase is over {$200.00} you are offered XXXX interest in 6 months or 12 months depending on where you use the card. 

I have had this card for years. I faithfully make payment. And maybe I am just noticing now but the payment allocation does not seem right and seems like shady practice. 

I had scheuled payments to pay off a balance on a promotion that was ending XX/XX/2024. 

I was looking at my account and the balance left on the promotion didn't seem right. I chatted with synchrony and they advised my {$100.00} payment- the minumum due was applied to XXXX promo and the remaining portion of my payment was applied to a promotion due XX/XX/XXXX. 

All of the balance on my card have promtional due dates with XXXX interest. I do not use this card for normal purcheses. 

When questioning again asking for documentaion regarding payment allocation the person advised that the minimim balance is applied to the promotion that is due and the remainder is applied to regular purhcases. I don't have regular purchases ; only promotion, but they still applied it to a promotion that was not due for months later. 

I was told to call or chat after every payment is made so they can reallocate my payments the way I want them. 

This is so much extra work on the customer. if the customer does not call it will take longer and more payments to pay off the promotion that is due XXXX. And if a customer doesnt notice they are putting the customer at risk for being slapped with back interest on promotions not paid on time. 

One person told me it takes 2-3 months for the payment to be allocated correctly, where aother person tells me its 48-72 hrs. 

I am not even sure what information is correct at this point, but I was not provided any documentation or shown where I could find it on the site

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 2024-02-03
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This account was charged off on XX/XX/XXXX. Since then the account has repeatedly been updated as charged off on numerous months. The account also has inconsistencys in payment history across all 3 credit bureaus. 
XXXX 30 days late XX/XX/XXXX Experian 90 days late XX/XX/XXXX XX/XX/XXXX At the same time reported charge-off on the same months. 
A charge off should not include active payment history. 
This inaccurate information falsely manipulates the statute of limitations. I have opened an investigation directly with the credit bureaus with no change or resolution. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 
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 2023-11-27
Company: Lockhart, Morris & Montgomery Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was employed by XXXX XXXX XXXX XXXX as a XXXX XXXX from XXXX XXXX and I was suppose to be trained for XXXX hours before I was giving my own XXXX but I did not get a proper training and they gave me a XXXX knowing well that I did not fully trained and put my life at risk. I had XXXX XXXX during this time and this is what makes me quit there company so this is the reason why they said Im owing them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Pay on the bill monthly, with interest at XXXX percent, most of the money is been applied to interest. For example monthly amount of bill is {$490.00} and {$360.00} goes to interest and only {$130.00} went to principal.

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 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting 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 XX/XX/XXXX TransUnion Fraud Division XXXX XXXX XXXX XXXX XXXX XXXX Dear TransUnion Fraud Division, FTC complaint # XXXX I am writing to formally request the deletion and blockage of certain information from my credit report and to dispute the accuracy of my credit score. I believe that there are inaccuracies on my report that are negatively affecting my creditworthiness.

Specifically, I request the removal of the following accounts and inquiries from 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  Additionally, I request the removal of all inquiries related to the mentioned accounts. I believe that the presence of this information is inaccurate and has led to an unjustifiably low credit score. My current score is reported as XXXX, whereas I believe it should be closer to XXXX based on my financial history. 

I am concerned that TransUnion may be discriminating against me based on my social security number, which begins with a XXXX. It has come to my attention that individuals of minority status, particularly those of the XXXX faith, have experienced similar issues with TransUnion. This leads me to believe that there may be discriminatory practices at play. 

I want to emphasize that TransUnion is the only credit bureau that is allowing fraudulent information to persist on my credit report. I find this situation unacceptable and damaging to my financial standing. 

If these inaccuracies are not promptly addressed and corrected, I will be forced to file a formal complaint, including allegations of discrimination, against TransUnion. I trust that you will conduct a thorough investigation into this matter and take appropriate action to rectify the inaccuracies on my credit report. 

Please provide me with written confirmation of the actions taken to address my concerns within 30 days of receiving this letter, as required by the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

Sincerely,

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 2024-02-02
Company: CBA of GA, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Ive been in communication with XXXX XXXX at CBA since XX/XX/XXXX it took until XX/XX/XXXX for him to send me proof of amount owed. After review of the document I see that a payment of {$2500.00} is now reflected on the document hes provided. XXXX has suggested I pay him regardless of my knowing have made a payment to the original creditor. He stated, after you pay the amount sure Ill look into the missing 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 2024-01-28
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Credit reporting 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:
Hard inquiry has been placed on my credit report on XX/XX/2023 by Lightstream without my consent negatively affecting my credit profile. 


Hard inquiry has been placed on my credit report on XX/XX/2023 by XXXX XXXX without my consent negatively affecting my credit profile. 


Hard inquiry has been placed on my credit report on XX/XX/2023 by XXXX without my consent negatively affecting my credit profile.

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 2024-01-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Requested to have a wire transfer from my bank, USAA. The amount I needed for the wire transfer ( for closing on a property ) was a little less than {$58000.00}. 

USAA stated that my account was " flagged '' ( or something similar ) because I had DEPOSITED some old checks, that were no longer valid. For whatever reason, they " flagged '' my account, and that wire transfers were not an option until USAA did a review. 

When I tried to resolve this issue ( I have over {$130000.00} ) in my my account, they said it was their " policy '' and the funds are not available for a wire transfer. No amount of discussion, or pushing the matter higher up changed their " policy. '' Further, if my account was " flagged '' and certain transactions were not allowed, does USAA not have a legal obligation to inform me of this? In advance? And with a remedy? I have done nothing wrong, and their representatives stated that it's " their policy, there is nothing they can do ''. 

I don't understand how a bank, in America, that caters to the military community can have over {$130000.00} of my money, and will not issue a wire transfer to me. This is made worse by the fact that they are acting like I did something wrong... the checks I attempted to deposit were too old ( totaling around {$600.00} ), and the money was not deposited. Now, they are not giving me access to my own money. 

This can not stand. This is egregious. This seems like fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to raise a serious concern regarding a debt collection placed on my consumer report by I C SYSTEMS, I have reason to believe that they have not followed the proper protocol as outlined in the ( FDCPA ). 

I C Systems placed a debt on my consumer report WITHOUT providing me with any information to dispute the debt. I did not receive any prior communication from I C SYSTEMS regarding this debt. I only became aware of the situation when I checked my consumer report and noticed a significant drop in my credit score due to the addition of a collection account. 

I promptly request that I C SYSTEMS provide me with debt validation within the legally mandated 30-day period. I also request that additional information in be provided to me in the letter to futher validate the debt. 

I am certain, that I C SYSTEMS actions are in violation of the FDCPA. Their failure to provide the necessary information and validation of debt before placing the account into collections is deceptive collection practice. This situation not only unjustly affects me but also violates the regulations meant to protect consumers! 

I kindly request your assistance in addressing this matter and ensuring that I C SYSTEMS is held accoutable for their actions.

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