BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid of another members loan that he had with usaa via 3-way call was authorized by owner and lien holder to be sent to my address and was given a power of attorney from the Nevada dmv and noterized at XXXX XXXX  for transferring the title into my name I have not received the title and its been approximately 2 months

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: Experian Information Solutions Inc.
State: NY
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2021-08-20
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, I Sent a wire transfer of {$3000.00} to my brother XXXX XXXX. I sent it at XXXX EST under the impression it would be sent same day due to their website stating if wire transfers were sent before XXXX, they would be processed and sent to the recipient the same day. If sent after XXXX, it would be the next day. It's XXXX EST on XX/XX/2021, and the transfer has not arrived to his account. I called TD bank and spoke with XXXX. I explained to her the issue and stated I paid a {$30.00} fee to have this service send money the same day. XXXX does NOTHING to help the situation and tries to provide me with the FED reference number saying the recipient needs to track the money. I told her I did not call for the reference number as it's stated online already. I called to see where my money was at because I paid the bank for the service. If the service wasn't going to rendered, I want a refund and a reversal of my {$3000.00}. I told her I could have used western union service for same day. She said wires take up to 24 hours ; I told her that's not the issue ; the issue is the false advertisement on the banks site that DOES NOT have any small print that tells you how long the transfer can take. It just says same day. Screen shot attached. I told XXXX the call was being recorded due to her inability to assist. she hung up the phone at that time. I am sending the recorded call to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these Inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: Cottonwood Financial Ltd.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
My first contact with this company was when my mother called me upset that she had received phone calls from someone threatening her, telling her I used her name as a reference with a payday loan from years ago and that I did not pay it and that they are trying to locate her. they gave her all of my information in an attempt to get her to talk to them, as she believed it was a scam. She called me very upset and told me about the phone call. around the same time, I received a call from a blocked number from a person who identified herself as a Mrs . XXXX and left no company name. The message stated she had received a location processing order through XXXX County to locate me at my home or place of employment. The Message gave my date of birth as well ( which is personal identifying information I was not aware a company could leave on a voicemail ). The voicemail threatened legal action and listed a " case number '' if I did not respond to the " complainant ''. I called back the phone number that was listed and the person was very aggressive with me. when I mentioned the information that can be disclosed to third parties and the tactics that can be used per the fair debt collection practices act, the lady at extension XXXX screamed at me and said I am going to court and hung up on me. I called back and spoke with someone else and they confirmed that the Mrs . XXXX that called me earlier pretending to be from XXXX county did in fact work there. they would not answer any of my questions and said I should get papers in the mail. I found out only through calling the number provided XXXX-XXXX-XXXX Ext XXXX that the company name is XXXX. I have been screamed at, threatened and intimidated into paying a debt I have yet to be able to get any information on. I have received nothing in the mail so far and my family members have been contacted with my personal information. Please help me stop this illegal and threatening collection against me.

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 2017-12-01
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received an alert from Experian that a new account was placed for collection by a company by the name of XXXX XXXX XXXX on XX/XX/17. I do not have a contract or have done business with this company. This new listed collection account has dropped my credit score by several points.

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 2023-09-14
Company: EQUIFAX, INC.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I believe I got discriminated against and taken advantage of because I am XXXX. Back when I took out this home equity loan, I was not explained the terms. The loan officer lied and mislead me to think this was a regular loan. When in fact over 8 years of paying it have paid XXXX and the equity line has gone down XXXX? How is this legal. The loan officer never one explained how the interest was going to be so high and never go down. I believe because I was XXXX, young and naive, she lied and took advantage of me. I have called the bank on more than one occasion to try and resolve and they have done nothing. Please help me. Look at this statement and tell me how they can take all my money and apply it to interest. How is this legal. The loan office never told me this would happen and that I would never pay it off in my life time.

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 2023-09-14
Company: EQUIFAX, INC.
State: MN
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:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 

XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Incomm Holdings Inc.
State: CA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I bought a XXXX giftcard. When I got home and opened it, it was scammed. Someone put a fake barcode which matches the number on the packaging. I always check the number and touch the barcode too but this time the copy had a barcode feeling on it. Whoever is doing this, is very good at fraud. 


Under the barcode that was activated and was only a copy, was another card which says {$100.00} on it. Someone took this card and inserted the copy and replaced it. The information you requested is attached. Value purchased was {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The reporting agency keeps allowing different collections agencies to re-post the same account. XXXX XXXX XXXX {$1000.00} collecting a debt for XXXX XXXX XXXX XXXX. Well the original creditor XXXX XXXX XXXX XXXX has already sent word to the credit reporting agencies, that the accounts with them were fraudulently put in my name. which were way lower at {$100.00}, & {$250.00}. now its being listed as {$1000.00}. 
This is causing me and my family financial hardship because I am not able to qualify for a house due to this hindrance on my credit report. I plan to also submit a complaint to the attorney general for the state of Texas. I also am seeking the advice of counsel that will notify me of all my options in reference to this issue and how it has had a negative impact on my and my family 's lives.

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 2023-09-13
Company: U.S. BANCORP
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:
I have unauthorized credit inquires on my credit reports for XXXX and XXXX. I called both bureaus as and creditors and they said to file report with FTC and the FTC directed me to CFPB. consumer protection 15 USC 1682 ( b ). Please remove immediately! These are fraudulent XXXX inquiries XXXX XXXX XX/XX/2023 XXXX XXXX XXXX. XX/XX/2023 XXXXXX/XX/2023 XXXX Elan Financial XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023

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 2023-09-22
Company: Ridge & Valley Realty, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Agency claims debt is owed from a service in Colorado in XX/XX/2020 and I did not live in Colorado at this time. Debt is not mine. Debt was disputed with XXXX and XXXX and removed from report as it was found to be invalid. The agency is continuing to pull my credit report as hard inquiries with XXXX. I have contacted the collector and disputed the debt with them as well, but they continue to harass me and impact my credit with hard inquiry pulls despite the debt being removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: GREAT LAKES
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The letter Great Lakes provided in claims XXXX. XXXX stated I attended the institution of XXXX XXXX college but they did not admit to the institution in question who committed the fraud which was the XXXX institution of XXXX XXXX, Nevada. I can not prove I attended this institution with school documentation because I did not attend this institution!!! My loan service through Dept of Education named Great Lakes Borrower claimed to have done there own investigation on the Institution in question. The claim they presented they opposed investigation claim they found to be true, was in fact inaccurate!!! XXXX XXXX college orchestrated the FRAUD through another institution. As a result the school has been closed, if the Department of Education knows this why are they still trying to hold me accountable for fraud one of their employees committed??? Did this person get jail time? There response does not justify this claim as resolved, there response does not justify a resolution to this issue. My original claim XXXX should have never been closed because it was not resolved. The letter they attached for their response is dated XX/XX/19, I NEVER RECEIVED THIS LETTER! SO how could be a resolution or explanation for the issue at hand when the letter was just written. Meanwhile, they continue to report to the credit bureaus and hurting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/XXXX made payment of XXXX, i realized XXXX applied to the 12 or 24 month interest free purchases, not to 6 month interest free ending in XXXX XX/XX/XXXX made payment of XXXX same problem applied to 24 month interest free XX/XX/XXXX talked to representative, was told that's how they do it unless state it when i make a payment and to talk to a representative through live chat or on phone.. 
so i made a payment of XXXX with same representative as above and he said would be put towards the 6 month interest free and would have the XX/XX/XXXX and XXXX payments reversed in the next 24 to 48 hours. 

Mid XXXX around XXXX called XXXX since nothing was adjusted, was told that change can take until next billing cycle XXXX XX/XX/XXXX XXXX XX/XX/XXXX or XXXX talked to representative make a payment of XXXX requesting put to 6month financing not 24 or 12 month financing promotions that i have, person said not a problem asked about payments from XXXX XXXX XXXX was told they can see in system the request was made to re apply to 6 month programs.. 

XX/XX/XXXX payment of XXXX was applied to the 12 and 24 month promotions not 6 months interest free promotions.. 

XX/XX/XXXX talked to representative, same story will put in request to re apply XXXX payment,, I stated to XXXX rep that if happens again and all XXXX payments not XXXX applied by next billing cycle i would file a report to the FTC XX/XX/XXXX Account showed the XXXX payment was re applied properly,, still nothing from payments made XX/XX/XXXX XXXX XXXX, XX/XX/XXXX a payment of XXXX with a XXXX representative to be applied to 6 month interest free programs, said not a problem .. 

XX/XX/XXXX payment of XXXX was applied to the 24 month interest free program XX/XX/XXXX talked to representative about AGAIN payment miss applied was told will be corrected in 24 to 48 hours XX/XX/XXXX statement closed looked at statement and the payments from the XXXX XXXX and XXXX have not yet been re applied and has been 48 hours and the payment from the XXXX has not been re applied during this i was told the re applying of payments could take 24 to 48 hours, then told XXXX to XXXX business day, then told next billing cycle, then last time on the XXXX i was told 24 to 48 hours ONLY when i brought up the FTC on the XXXX THEN was the XXXX payment made on XX/XX/XXXX XXXX applied XXXX 24 hours )

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 2023-07-23
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2023 I submitted a dispute with Experian on account through there app which is my right as a consumer I get a reply in three days saying account is not on credit report I have a screenshot of the message that I will attach to this complaint but report has the account closed but negative it is visible

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 2023-09-26
Company: Freedom Mortgage Company
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I have contacted Freedom Mortgage on XX/XX/23 and XX/XX/23 regarding the escrow account. Specifically regarding the insurance payments. I sent over my declaration pages and let them know that our insurance is only XXXX per year and they are stating that it is XXXX which is WAY wrong. I have been having issues since Freedom Mortgage received our loan from XXXX XXXX. I am seeking a way to get away from Freedom Mortgage. They are constantly going against RESPA, i do mortgages for a living for another financial institution and i have never seen such deceiving information and incompetence from a company. They are very terrible at their escrow analysis procedures and they are not forthcoming with the information being requested from their customers. they have never sent me a full payment history when requested which again is against RESPA and I'm considering seeking an attorney to sue them for undue stress caused by them miscalculating the escrow every single year. they have even double paid my insurance company and they had to send it to me and i had to re-deposit it back into escrow. this company does'nt deserve to be in business at all!

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 2021-10-14
Company: EQUIFAX, INC.
State: NV
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:
This is XXXX. This is not the first time that I am sending this complain. The last time I have processed this complain you came up with the conclusion that this is not me complaining. You closed the case number XXXX, XXXX, XXXX telling me that there is an unauthorized party third party involvement. I am telling you this is me XXXX. There is no need for me to give an authorization to anyone because this is me filing the complain, NOONE ELSE. You need to take further actions to my complain. I am tired of sending this complain and getting no results because of your wrong conclusions. Again this is me XXXX XXXX. Please reach back to me via email if you need anything to proceed with the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My account should not show any late payments because I have always paid on time. It is unacceptable to see late payments on my account, and I urge you to correct this error immediately.

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 2023-07-23
Company: Experian Information Solutions Inc.
State: NY
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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