BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I was offered a home equity line of credit from USAA ( account XXXX XXXX ) on XX/XX/XXXX for {$120000.00} and on XX/XX/XXXX USAA has record in the loan history that I received a detail advance of {$120000.00}, however I have no record of where this detail advance went to or any recollection of where these funds are. I received a detail advance of {$2000.00}, on XX/XX/XXXX of which I paid back on XX/XX/XXXX. I later received a balance advance of {$200.00} dollars on XX/XX/XXXX. Around XXXX, USAA informed me that because of the housing market, my Home Equity Account had a hold on it and I could no longer borrow any money of of it. Since then I have made mostly interest only payments. There is a maturity date of XX/XX/XXXX on this account and there is still a hold on the account. Upon enquiring about the balance due, USAA recommended that I go back and look at my USAA checking account and see if the funds were deposited in that account. When I requested information on the USAA checking account in XX/XX/XXXX, USAA said that they could only go back 7 years. I have requested a review of the account with USAA via case XXXX XXXXXXXX but have not received any information as of this date. This amount of credit ( {$120000.00} ) has never been deposited in any of my checking accounts and I have never spent this amount of money from this home equity line of credit. I need to understand from USAA why I have a balance due of {$110000.00} dollars, and what will occur on the maturity date. The home that I received the home equity line of credit on now has a value of {$700000.00} dollars. The mortgage on this account is with XXXX XXXX XXXXXXXX ( account XXXX XXXXXXXX ). I have been a dedicated USAA member for 38 years, and I should receive an explanation of why I have this debt. Again, I have never used this amount of money from this line of credit. My USAA member number is XXXX. I understand that USAA is no longer in the home equity line of credit business. I appreciate your help with resolving this issue with me and USAA Federal Savings Bank. Sincerely XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: States Recovery Systems, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I'm not liable for the debt with states recovery systems I didn't enter any contract and I did not sign any paperwork with this company stating that I would pay them or owe them any money. Furthermore, this company has violated my consumer rights by not providing the requested original contract with my signature signed by me within in the time frame set by FCRA. I contacted the original company XX/XX/2023 and declared that this account was opened without my authorization reported unauthorized transactions had occurred with account. As a result, XXXX XXXX XXXX XXXX XXXX also violated my consumer rights by keeping the account open then knowingly sold verified identity theft debt to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I have two ( 2 ) credit card accounts with CapitalOne.com, suddenly the last several months I noticed a closed account I once had with XXXX XXXX began to show up as a payment option on both accounts. The account with XXXX XXXX was closed in 2006. I became livid and wanted to know how CapitalOne got this account number, and who gave them permission to use a closed account as a payment option? I wrote to them and they asked me to call them because they didn't understand what I wrote. I became angry again, but I called. I explained why I was angry and was told my accounts were investigated and no such number or numbers for XXXX XXXX appeared and no such information was ever shown as a payment option on either account. I knew it was a lie and told the CS rep what I thought. I hung up and waited a month and this time rather than call I printed the information directly from the accounts with hopes you could help me get to the bottom of this deceitful act.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-24
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My deceased father signed a lease agreement in XXXX of XXXX for the address XXXX XXXXXXXX XXXX XXXXXXXX Tx. his name is XXXX XXXX XXXX DOB is XX/XX/XXXX. he died in XXXX our names are very similar, only the middle name is different. I have a case # through the Police dpt. of XXXX XXXX & i have sealed documents from the state of Tx proving i did not sign this lease agreement. XXXX who the lease was signed with & national credit systems the collection agency both refuse to listen to me. XXXX XXXX the collection representative for NCS was very rude & told me i was responsible for my deceased fathers debts. My father was married & my mother has even tried calling them to tell them she would inherit the debt. but no help. they will not provide a copy of the lease because they say i cant prove im the signer of the lease but they have no problem coming after me for the debt. when my dad signed the lease in XX/XX/XXXX they ran his credit report, not mine. that can also prove the lease was NOT signed under my social. my credit report would be perfect if it wasnt for this collection & its not even me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Experian Information Solutions Inc.
State: PA
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:
There is information on my reports which are causing financial harm to me and my family. These accounts are never late & I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 

XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : 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 2022-02-18
Company: WELLS FARGO & COMPANY
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:
XXXX XXXX XXXX / 30 days late 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.

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 2023-04-24
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account XXXX  XXXX - XXXX, Account XXXX XXXX XXXXXXXX XXXX - XXXX, XXXX XXXX XXXX- XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  - XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX, Account XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) has violated my rights.

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}XXXX XXXX  XXXX Balance : {$0.00} & XXXX XXXX Balance : {$0.00}.

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 explanation
Consumer complaint received 2018-03-24
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
CitiGroup is unfairly and possibly illegally and unconstitutionally using its market power to prevent new merchants from opening merchant accounts or from accepting Citi-brand credit card products to sell firearms to customer between the ages of XXXX  and XXXX in states and jurisdictions where the purchase of certain firearms by customers in this age group is allowed by law and protected by the 2nd Amendment.

Citi has publicly announced this new policy on XX/XX/18 and has received wide coverage in the media.

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 2023-04-24
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On or about XX/XX/XXXX, i opened a Certificate of Deposit online with US Bank at their website. On XX/XX/XXXX, I visited the US Bank Branch at XXXX and XXXX, XXXX XXXX XXXX XXXX, XXXX, Colorado XXXX Branch " XXXX '' to deposit {$1000.00} in cash to fund the CD. I was given a receipt and told it would be deposited in a couple of days. As of one week ago, when i contacted US Bank, which in turn pushed the complaint to the branch manager, XXXX XXXX XXXX XXXX, he told me that it would be a couple of days to complete the deposit. Daily I have checked the account ; daily the {$1000.00} has not been deposited into the account. Although he said that the money would be credited as the funded date, there is no evidence of what happened to the {$1000.00}. I contacted US Bank again today with no luck ; i then called the Federal Reserve Bank Consumer division and they forwarded me to the consumerfinance.gov website where i am filing this complaint against US Bank. This is the year XXXX ; i can't have the foggiest idea what would take more than a couple of days to fund this account and bee accountable for the {$1000.00} cash i gave the branch manager on XX/XX/XXXX Is there something i don't know about the registration of a CD that takes more than a couple of days. When i put money into the bank, it is immediate, when i take money out of the bank, it is immediate. Why would it take over ( at this point ) two weeks to show where my money is. Please look into what i would think is a violation of the law. 

While writing this complaint from work, the copy of the cash receipt is at home. I can forward it when i return home..

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 2021-09-21
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started a loan Modification about a year ago with PNC Bank. 
They asked for a massive amount of documentation, repeatedly, even tho it was provided numerous times. 
I also had a multitude of Reps, some lasting only a week. 
It was a horrible long process! 
I was in total compliance ( timely manner ). 
My Modification was denied and I had provided XXXX taxes, and my PnLs for XXXX and XXXX ( XXXX taxes not due at this point ) They only went off of XXXX taxes and diluted my income and inflated my expenses, even tho everything was diligently provided. 
I even hired a Mortgage facilitator to help me with the process and make sure things were correct and I would gain the mod, based on my income, but Pnc Bank, picked and chose what numbers they wanted to use, based on a favorable outcome for them! 
I appealed and it was denied. 
They are still not considering my XXXX and XXXX income at this time, which is not in compliance!! 
About to appeal again ( 3rd ) ..hopefully they understand now I will file all complaints necessary, until they follow underwriting guidelines! 
They have Not, to this year long process. 
Its Fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-07-21
Company: Experian Information Solutions Inc.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX Date of Inquiry 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 2021-09-21
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: Was not notified of investigation status or results

Complaint:
Experian CFPB XXXX responded on XX/XX/2021 we are in the process of contacting the inquiring creditor to verify the accuracy of the information with which you disagree. Please note that an investigation may take up to 30 days. Upon completion, the results summary will be provided directly to you for review.

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 2018-08-26
Company: Merchants Financial Guardian, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As of XX/XX/XXXX when I was living at XXXX XXXX XXXX XXXX # XXXX. The owner at the time XXXX XXXX XXXX decided to not to collect my rent. I was paying the rent late and informed them in writing that I will be late. When I then had the rent along with the late fee XXXX XXXX decided not to collect the rent and decided to pursue the eviction process. At the time I was a section 8 tenant so I couldnt get up and move quickly. There is a moving process with all section 8 tenants. I went thru the court proceedings with XXXX XXXX and I eventually moved out in XXXX XXXX XXXX. I turned over the keys to the unit as well. As stated from the judge that all information to this case is sealed and no judgements should not go against me until final court date which is in XX/XX/XXXX. As of today I am still in court proceedings with XXXX XXXX. But I notice that XXXX XXXX which is now XXXX XXXX XXXX is reporting to XXXX that I owe XXXX. It's been reported as a collection debt that I owe to a apartment management. Which is not true because we haven't resolved anything til our next court date which is XX/XX/XXXX. All information being reported is inaccurate and I disputed it numerous times with XXXX but nothing has not changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX, and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$610.00} ( XXXX XXXX ) XXXX XXXX  XXXX XXXX Balance : {$530.00} ( 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 2021-03-31
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened the account about a month earlier and I contacted them initially due to account being locked by the security team. Each time it takes at least half day to one day to call them.

They locked the money transfer for the first time. They asked for another bank statement in last month. I told the agent that I don't have statement for last month ( they only provide that every three months ) and very rude disputing why I don't have it. I said I will call my the other bank and let them stay on the call together. She said that will work. However, she locked the account directly after that while I'm contacting my the other bank. However, the other agent doesn't allow the agent from the other bank to stay and insist they have to call. In short words, it disturbs my work for almost a day. I've filed a compliant within HSBC for this and no follow up. 

The ridiculous thing is, my account was locked again later and asked me to verify address again using another bank statement. 

Another time is asking me to print out a SSA form, I did it for them and sent back. ( I have medical condition and am risky to go to a store to print as I don't have a printer ). Later the account is locked again and later told me what I write is not clear. I emailed back twice and replied all asking do I need to print a new one or is it better to type. Nobody replies, until I called again they told me they've sent my account to be closed!

In the single month, my account is locked for four times! For at least 25 of the days, I'm not able to transfer money or access any money in my account. I filed complaint with them twice internally, nothing changed. They constantly asked for same documents on address and SSA form from security team, while locking the account totally based on their mood! ( like after I called to ask about transfer ). They said they called before locking but no incoming calls on my phone at all and there are at least four people from HSBC on the email I replied directly, no one has replied me. 

I was sent a promo code to open the account with certain amount of deposit, I really don't know whether it's legal for them just to lock my account for so long without notice or maybe they want to avoid giving me the open bonus in the promotion while keeping my money there ( more than XXXX ).

Company response to consumer: Closed with explanation