BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-07
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Since XX/XX/XXXX I have been disputing an auto loan from XXXX financial through Experian. The loan on the vehicle included fraud. The surety bond nationwide, who provided a surety bond for the auto loan had me sign a release, an assignment and surrender the vehicle to nationwide. I provided proof of this to Experian since XX/XX/XXXX. It was initially deleted off my credit report, and then it would be inserted without any notice a clear violation. He failed to re-investigate properly despite having sufficient proof of the release in assignment as I uploaded it to them. It was re-inserted in XXXX in XXXX and I again recently disputed the account and it is stating it came back as updated. The amount on the loan was {$200.00} it is showing XXXX on other consumer reports, it is deleted or shown as a charge off while on Experian is showing different. The account is no longer mine and needs to be removed immediately off of my credit report. Experian has failed to validate the debt and participate in a properly in the causing me great damage, and the inability to get another other auto lone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-22
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 6th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX, MI XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MI, XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX Balance : {$510.00}, XXXX XXXXXXXX Balance : {$1200.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3100.00}, XXXX  XXXX Balance : {$480.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00}, XXXX XXXX ( XXXX XXXX : XXXX ) XXXX Balance : {$720.00}, ( Original Creditor : XXXX  XXXX XXXX Balance : {$1000.00}, XXXX XX/XX/2021, XXXX XX/XX/2021, 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 2017-12-06
Company: Medical-Dental-Hospital Bureau of San Antonio
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt was to be forgiven by original creditor per phone conversation. This should n't even be on my credit anymore as I became permanently XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
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 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 2023-11-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On Friday, I attempted to login into my USAA account and was prevented from doing so. USAA was making me enter a token, but the app would not generate a token. I called USAA multiple times, and they refused to verify me without a token, I can not provide a token if the app is not generating a token. in the past, I have been able to get verified by sending a secure text message to my cell phone or answering additional security questions and for whatever reason USAA decided to remove that as an option from my account. They required that I send them a drivers license which I did and I called back asking if they could verify it so I could access my account once again, and once again again, they refuse to give me access to my account. And told me I have to wait up to three business days in order to gain access to my account. There has been no suspicious activity. There hasnt been anything unusual and Im not sure why USAA is preventing me from asking my account. They really should not be in business. At this point. Ive done everything theyve asked and Im not sure why they removed any other options From getting verified so at this point, theyre just holding my money in my account hostage and refusing to give me access

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
XXXX i purchased a car XXXX XXXX, XXXX at 20.1 % total of 72 payments. i just found out my loan has matured in XX/XX/XXXX leaving a balance of XXXX. 
i made monthly payments XXXX monthly sometimes i even sent in extra money. 
for principle. I was told by loan company that i had to in full or car will be repo. 
I was forced to setup Modification at 17 % 18 payments of XXXX by the time i am done with this loan i paid for over XXXX the car is not even worth XXXX I have asked to have my account review for errors. they said they reviewed by file. 
i have asked for restitution, deficiency waiver or even forgiveness of the loan. 
I even ask how did I end up with a large amount? I am aware that a deferred 4 or 6 payments due employment and medical. I am aware i would have some kind small balance left They were not able to give me a answer. 


i know several people that use this company have run into same issues

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a loan under XXXX in XXXX in MY NAME ONLY, XXXX XXXX XXXX XXXX My mom was on title, XXXX XXXX XXXX XXXX She lives in XXXX and I live in XXXX Under these 2 class action lawsuits The Bank of America Class Action Lawsuits are Waldrup v. Countrywide Financial Corp., et al., Case No. 2:13-cv-08833, and Williams, et al. v. Countrywide Financial Corp., et al., Case No. 2:16-cv-04166, both in the U.S. District Court for the Central District of California money was sent. However, it was sent to my mother in Ohio who was never on the loan and Quit Claim Deeded herself on the property in XXXX. Why are you sending her the checks? This needs to stop immediately or I will seek triple the reimbursement. Property address for loan is XXXX XXXXXXXX XXXX  XXXX, CA XXXX. I still own the property in my Trust, The company states they reponded but they didnt repond to me. They sent a letter to my Mother ( XXXX XXXX XXXX ) in XXXX who is not on Title nor is she on the loan. See how stupid they are?

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 2023-11-01
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 6th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX, MI XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MI, XXXX XXXX  XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX Balance : {$510.00}, XXXX XXXXXXXX Balance : {$1200.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3100.00}, XXXX XXXX Balance : {$480.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00}, XXXX XXXX ( XXXX XXXX : XXXX ) XXXX Balance : {$720.00}, ( Original Creditor : XXXX  XXXX XXXX Balance : {$1000.00}, XXXX XX/XX/2021, XXXX XX/XX/2021, 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 2020-01-28
Company: BBVA FINANCIAL CORPORATION
State: GA
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:
Dear Consumer Financial Protection Bureau, CFPB : XXXX VISA ( XXXX ONLINE PURCHASE  ) is trying to steal money from my BBVA Debit card ending in XXXX. I purchased XXXX products on XX/XX/2020. The total for purchase ( after returning 2 items ) is {$59.00}. 

Summary : 2 items from order numbers ( XXXX ORDER : XXXX THROUGH XXXX ORDER : XXXX ), have been returned. 

( 1 ) XXXX XXXX XXXX ( CHESTNUT ) WERE DAMAGED, AND ( 2 ) XXXX XXXX XXXX XXXX XXXX ( NOT WANTED, WRONG SIZE ) Both XXXX AND XXXX ARE REFUSING TO ISSUE REFUND REGUND {$26.00} ( what I Am Due ). The XXXX XXXX XXXXs purchased ( Cost : {$75.00} XXXX {$20.00} REWARD COUPON, Tax {$4.00}, TOTAL : XXXX ). XXXX HAS SLREADY DEBITED MY BBVA CARD {$86.00} ( 1 installment of {$350.00} ) ; however, with the returns, I MO LONGER OWE THEM, THEY OWE ME {$26.00} I have contacted both XXXX ( telephone and email ) and XXXX to no avail. XXXX IS STILL TRYINGVTO STEAL MONEY I DO NOT OWE THEM. 

NOT {$26.00}. PLEASE SUCCESSFULLY PROCESS {$26.00} ( ADDITIONAL XXXX ). XXXX, YOU DO NOT HAVE AUTHORIZATION TO DEBIT FORM OF PAYMENT BBVA CARD ENDING IN XXXX FOR XXXX ORDER : XXXX, XXXX ORDER : XXXX. 

BBVA has been contacted and a dispute filed XX/XX/2020 ( MONDAY, TICKET NUMBER XXXX ). They are refusing to come into comportment with REGULATION E. I have to eat, they are too UNCOOPERATIVE. 


Sincerely and Respectfully, XXXX XXXX XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: SYNCHRONY FINANCIAL
State: SD
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:
Gentleman staying he was from the sheriffs gained access to my apartment. Guests must be buzzed in. He came to my door and proceeded to bang on the door and call my name. He was informed I was working as I work from home. He continued to to bang on the door so much that the upstairs neighbor came downstairs to see what was going on. I this when I had no other recourse than to open. I told him I would not be taking the summons as I filed for bankruptcy. He stated he didnt care, threw the paper at me, I had to pick up from the floor and he walked away. 
It should be noted the summons has no number and a date of XX/XX/XXXX. Summons delivered on 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 2023-04-22
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 6th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MI, XXXX XXXX  XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX Balance : {$510.00}, XXXX XXXXXXXX Balance : {$1200.00}, XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3100.00}, XXXX XXXX Balance : {$480.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00}, XXXX XXXX ( XXXX XXXX : XXXX ) XXXX Balance : {$720.00}, ( Original Creditor : XXXX  XXXX XXXX Balance : {$1000.00}, XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: OneMain Finance Corporation
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
When I first purchased my vehicle on XX/XX/XXXX, XXXX XXXX XXXX financed my vehicle. My car was priced at {$7700.00} and with interest it came to a total of {$11000.00}. I paid my car payments every month at {$300.00}. By the end of XXXX, I decided to start working towards buying a house and got in contact with a lender. The lender told me in XXXX that in order for me to buy a house, I would need to pay something off on my credit. In doing so, I found OneMain Financial where they said they would pay off my current balance with XXXX XXXX which was {$6100.00} on XX/XX/XXXX. The loan I asked for from OneMain was {$3500.00} and was approved with that pay off. Because they paid off what was still owed on my vehicle, on top of my {$3500.00} loan the interest was set at 29.08 % making my TOTAL loan amount {$9400.00}. My monthly payments are {$290.00}. After making XXXX payments to the total amount, I realized my balance was not going down at the right amount. As of XX/XX/XXXX, my balance is at {$9300.00} still! I called on XX/XX/XXXX for an explanation as to why my payments are not being applied to the balance and OneMain claimed it was thew interest. The interest was already applied at the beginning of the loan so when I explained that to them, they said they didn't know but that was my current balance anyways. I, then, asked for my contract that I signed for the loan back in XXXX and I was told that they were not allowed to send me that contract in any way and that the only time I was able to access it would have been the day I signed the loan. So, a refusal of a contract I signed and an explanation as to where my money is going were not given to me by their choice. I let them know I would get in contact with a lawyer since neither one of those could be given and that these were consumer violations. I also was told that if I wanted to pay off the vehicle NEXT YEAR of XXXX, the amount would STILL be {$10000.00} which does not make any sense mathematically!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Consumer Adjustment Company Incorporated
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:
Three to four different debt collection companies have tried to place a collection from this company on my credit reports. I have gotten the debt removed each time because its fraud and each time they try to file for a different amount claiming to be owed by me. One collection was for {$370.00}, another {$190.00} and now they are claiming I owe {$150.00}. Which makes no sense, I never had a loan with this company and if I did why would they collection amount be different each time they file? This is fraud please stop this company from using my SSN, they are harassing me and affecting my credit. I DO NOT OWE THEM MONEY AND WILL NEVER PAY THEM ANY MONEY. Attached are screenshots of the {$370.00} they attempted to charge my XXXX account which I never gave them my name one their so Im confused how they tried to charge that account. And attachted are screenshots from XXXX  deleting this debt twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$160.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00}

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 non-monetary relief
Consumer complaint received 2023-11-08
Company: Maximus Education, LLC dba Aidvantage
State: AK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Going back to XXXX. I've tried to make payments on my student loan, but they have never taken the money out of my account. Meanwhile, my interest rate keeps going up, my loan amount is getting bigger, and they keep reporting to my credit report. I've tried making a payment as recently as XXXX of XXXX. In fact I tried twice in XXXX but yet they never actually take the payments and apply them to my account. I just want to get this stupid loan off my credit report so I can move on and be able to apply for better loans with better interest rates, but they are standing in my way! 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$130.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$490.00}, XXXX XXXX XXXX  Balance Owed : {$500.00}

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 non-monetary relief