BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-09
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted equifax in   XX/XX/XXXX   in regards to   XXXX   XXXX   XXXX   XXXX    and their deceptive tactics, practices, and acts which violates the laws of the federal trade commissions of fair debt collection practices acts of which debt collections agencies have to comply with in the united states.       XXXX   XXXX   XXXX   XXXX   have  XXXX  accounts reporting for the amounts of  XXXX ,  XXXX ,  XXXX  of the hospital   XXXX   XXXX   XXXX   XXXX    reporting from the following dates of   XX/XX/XXXX   on all  XXXX  amounts.     There w as  XXXX  in surance policies to cover medical expenses due too the vehicle crashes of which in both instances i was the victim not the driver of either vehicle in both crashes.     The hospital failed to correctly bill the insurances of both drivers in   XXXX  differenent vehicle crashes along with the  XXXX  insurance grants from the progra m called  XXXX  which is an acronym for   XXXX   XXXX   XXXX   XXXX  . My attorney was contacted directly in regards to all medical bills and the attorneys complied with federal laws but not   XXXX   XXXX   XXXX   XXXX  .     The Account   XXXX   XXXX   XXXX   XXXX   is based in florida last known address is   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   florida  XXXX  last known phone number is  XXXX . Their deceptive acts and practices are mind blowing and staggering as a junk debt collector which is evasive and deceptive in its communications, tactics, and acts which is why i am reporting them to the federal trade commission in order to have their license taken to do business under any other name or structure financially within the united states.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: LoanHero, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an email from this company that I could not open. I sent email to medical coordinator at a doctor office. On my first time at the doctors office I signed documents but none of them was this company, loan hero. Their contract was signed by the coordinator and not me. I never consent, agreed, or even seen any part of their contract until about one year later when XXXX XXXX provided me a copy. Their contract was signed st the doctors office on a day I was not there. This means it was signed by the office and not me. I never signed or agree with this company loan.

Company response to consumer: Untimely response
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
State: MD
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:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : 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 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Receivables Management Partners, LLC
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello my name is XXXX XXXX and Ive been attempting to try and resolve this matter with RMP LLC. Please read the following notice thoroughly and carefully before responding. It is a notice. It informs you. It means what it says. For these reasons it is recommended that you carefully consider this notice and respond in substance, which means actually addressing the points raised herein.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Update to a complaint from late XXXX, Bank of America overdraft fees now elevated to {$210.00} in the last thirty days. 

Bank of America customer service claims that due to prior federal law enforcement intervention they are required to " treat all customers fairly and equal '', and that recent bank policy prohibits them from reversing more than {$140.00} in overdraft fees in a year. Cited extenuating circumstances due to faulty administration of a XXXX XXXX Trust, no regard for that whatsoever. 

Extenuating circumstances : Trustee refuses to disburse since XXXX of 2018 and demands I properly budget my Social Security and use government services designed to help the XXXX, causing severe global problems related to my welfare. Matter under investigation by Adult Protective Services and XXXX County District attorney 's office. 

Bank of America has not treated me fairly or equally.

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 2023-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 got into a car accident and filed the police report at the time of the incident, I also checked into a hospital called my insurance company mad hired XXXX attorneys the second was hired because the first hired attorney did not appoint me to any services and communication was a problem. I then hired XXXX XXXX and the problem seemed just about the same. I tried several times to describe more information on the report and incident yet got no response up until the date before the arrival of the check. When visiting my old address I saw an old letter stating a {$18000.00} check had already been written and sent out to that previous address. I also lost my car after my insurance was cut off by someone other than me. The only amount given to me was {$5000.00} yet was used and transferred out of my bank account with out my permission. I also had several letters sent to me from capital one bank the original loan, it stated I had paid for the vehicle. This year I went home to visit my family and found more mail stating my vehicle was sold by a company named XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My Great Grandfather started a trust fund/XXXX  Account with XXXX XXXX for me to collect when I turned the age of XXXX. Once I turned XXXX, I had the funds in my XXXX account sent to me through a check on XX/XX/XXXX. I deposited that check through Suntust mobile deposit on XX/XX/XXXX. Shortly after, I found out Suntrust put my bank account on hold and held my check for suspected fraudulent activity.
I was instructed by Branch Manager of the XXXX XXXX Ga XXXX XXXX XXXX XXXX, to go through XXXX XXXX XXXX to prove the check was not fraudulent and once proven I would receive my funds. After going through the process of proving the legitimacy of the funds with XXXX XXXX XXXX and having all fraudulent activity and history removed from my Suntrust account I still did not receive my funds. After many months of unhelpful back and forth between XXXX XXXX, XXXX XXXX, and myself, XXXX XXXX refused to contact myself or XXXX XXXX or answer any calls from XXXX XXXX. 
After contacting SunTrust customer service, on XX/XX/XXXX, and speaking with a representative by the name of XXXX XXXX they told me that they could not help me but recommended I speak with a different branch manager. 
On XX/XX/XXXX, I spoke with Branch Manager, XXXX XXXX XXXX of the XXXX XXXX in XXXX GA XXXX He stated that I had sufficiently proven the check was not fraudulent but Suntrust refuses to realese my funds to me unless XXXX XXXX agrees to issue a Hold Harmless Letter. After XXXX XXXX  manager, XXXX XXXX, spoke with XXXX XXXX regarding the situation ; she explained that XXXX can not legally issue this type of letter for this situation.

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 2023-10-11
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX I reported fraud to Synchrony Bank. I filled out the form they requested I complete. I have written 2 letters continuing to object to the fraudulent charges. The charges occurred in states I have never been to with merchants I have never done business with. Synchrony has not sent me anything stating the results of their investigation, over 90 days have passed, and they are in violation of the Fair Debt Collection Practices Act. They continue to charge me for fraudulent charges. 

I asked the Colorado Attorney General for help, and they declined to provide any. 

PLEASE HELP!!!!

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 2023-09-02
Company: EQUIFAX, INC.
State: NV
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute of late payment on Account I understand that according to the federal law 15 U.S. code 1666b ( a ), a creditor may not treat a credit card account under an open end consumer credit plan as late for any purpose.

In response 15 usc 1681 a ( 2 ) ( b ) permissible purposese on consumer reports without my consent 15 usc 1681 section 602 i have the right to privacy 15 usc In accordance with the written instructions of the consumer to whom it relates Please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. 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 non-monetary relief
Consumer complaint received 2018-10-24
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Step 1 : What is this complaint about? 
fraud or discrimination or both Step 2 : What type of problem are you having? 
bank asking for personal information, ssn, when making a deposit Step 3 : What happened? 
XX/XX/2018 I went into usbank to deposit money into my sisters account. 
The teller said he needed my ID and I can only deposit upto XXXX. I gave him my ID and XXXX. He started inputting info into his computer. Then he asks me for my social security number. I asked why, he said it was their policy. I didnt understand this, as he already had my drivers licenes. So I called my sister to tell her what her bank was asking for and that I am not going to give it to them. While on the phone with my sister he then asks for my annual income and occupation. I said I am only making a deposit, I am not asking for anything else. The bank teller said it was policy. I then took my money and left. 
I feel as if the bank teller was either being discriminative or he was tring to open some kind of fraudlent account. 
A couple days later I contacted usbank on XXXX, I asked what their policy was on a non accouny holder depositing money for an account holder. They replied, I would have needed the acctount number, which I had, and that it can be upto XXXX. 
I then replied to them what happened at one of their branches. They then changed their story and said that the teller can ask for anything they want. 
My sisters called the customer service line and were told that the teller should not ask for any of that information when someone is making a deposit and to call the local branch. 
So here I am, writing a complaint hoping something will be done about this bank treating people like they are criminals or being a criminal them selves and getting away with it. 

Step 4 : What company is this complaint about? 
usbank

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 2023-10-11
Company: EQUIFAX, INC.
State: KY
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 discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX they raised my mortgage payment {$300.00} a month and claimed they needed it in my escrow account for increased home owners insurance and taxes but I followed up with calls to see who required that much more money and my home owners increased by about {$75.00} a month and even that increase is questionable because all my neighbors have only increased by about {$100.00} a year. There is no reason for this kind of increase even if the insurance is legit. I've contacted them at least 4 times and they tell me to contact my insurance company but just reaffirms my knowing they are taking way too much out for my escrow account. The amount they increased is way out of line and I sure could use a refund since my daughter and grandchildren are presently living with me. The only response they give is it can't be changed until XX/XX/XXXX because that is when they have there meeting for adjusting escrow accounts. With the economy tanking and this kind of unnecessary expense I've all but emptied one of my retirement accounts. Please give me some relief and justice. account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: EQUIFAX, INC.
State: CT
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AP
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX purchased a new cell phone and went to add USAA to XXXX XXXX same telephone number and they locked our accounts. Not the first time that USAA has locked our accounts. It has been numerous time for ABSOLUTELY NO REASON. We currently reside overseas as military personal and have had a ridiculous amounts of holds on OUR accounts even after verifying in the app and text messages with numerous codes. This last incident our accounts were locked and were set up for credit only. After speaking to numerous reps and attempting to get the account unlocked. We were told that the department that can unlock our accounts is closed and it will take XXXX business days and 1 hour. There has not been any type of fraud on our account. They placed a hold on OUR accounts which affects our daughter stateside account as well because were on her account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: Telsa Motors Inc
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
XX/XX/21 - Approximately XXXX, I walked into Tesla Motors located on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX for a consumer credit transaction with regards to a new Tesla . Everything was going fine until I was required to pay a reservation fee of {$250.00}. I reluctantly paid the reservation only to proceed to the finance portion. Tesla had a loan option but a consumer credit transaction option. As I reluctantly went through loan process, I gave Tesla my social security number which is a credit card number under 15 USC 1602 ( l ) to pay for the vehicle. My application was denied. I was confused and embarrassed because I know that I am the original creditor and I am the one who is extending credit to Tesla so how can they deny me? Why did they deny me? I tried to the finance department but the only person that I was able XXXX from XXXX in the sales department. After a couple conversations trying to get some answers, I received an email from XXXX XXXX at XXXX which stated that my application was denied due a low XXXX  score and delinquency on my account. They literally waited until the office closed on the west coast to send the information I was looking for. Ive tried to reach out to XXXX XXXX via telephone but I am getting no response. 
Tesla Motors actions were in direct violation of the Truth In Lending Act and other federal laws : 1 ) Running my credit card and denying my right to credit 15 USC 1602 ( f ) 2 ) I am the Original Creditor, I am not a borrower per federal law. I am the person extending credit to Tesla 15 USC 1602 ( g ). Neither Tesla nor their banking partners have the power to loan money under 12 USC 1431. They are the borrowers per 12 USC 1431 3 ) When applying for credit, there was no disclosure section speaking to a finance charge which is in direct violation of 15 USC 1632a, 15 USC 1632b, and 15 USC 1637a ( 1 through 8 ) 4 ) Shopped around my credit application without my knowledge or permission which left 5 different inquiries on consumer credit report. These actions are in violation 18 USC 1028A. 

XX/XX/21 - I tried to get in touch with XXXX XXXX again but no response or call back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation