BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/XXXX a cashiers check from XXXX XXXX XXXX XXXX was sent to USAA via XXXX overnight based on the payoff letter that USAA Provided. That payment was received and processed on XX/XX/XXXX On XX/XX/XXXX USAA debited from my personal checking account an additional {$580.00} resulting in an over payment to my personal loan of over {$600.00}. 

On XX/XX/XXXX I called in to USAA and spoke with a representative. The representative indicated that there was XXXX payments that overpaid the loan and that I should receive XXXX separate refund ach credits back to my XXXX account within days. 

On XX/XX/XXXX I called to check the status of my refunds as USAA is now holding over {$600.00} of my funds, partially of which certified and holds are prohibited under federal regulation CC law. The represenative appologized for the misinformation but because I did not pay off the loan by XX/XX/XXXX the automatic payment count not be stopped. Since it could not be stopped it has to be fully processed which takes XXXX days and then another 3-4 for them to refund the money. XXXX : They are going to hold my money for nearly XXXX days before releasing it back to me. She said the only way to expedite that is if I send them in a bank statement. I told her, I do not feel comfortable with sharing my entire bank statement. That where I spend my money, what other charged I make with my checking account are not any of USAA 's business. That I would be happy to allow them to verify directly with the bank, but that I did not feel comfortable with turning over information unrelated to the USAA transactions. She said then I have to wait the 15 and XXXX days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Block, Inc.
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a business debit card from Square issued by XXXX XXXX. I never applied for a Square checking account. To receive a Square debit card, I would need to first open a checking account with them. My credit is frozen so both Square and XXXX would not be able to issue me a new account as I never had a previous account with either entity. It should be on Square to ensure the proper identity of the person opening the account. I called XXXX XXXX  to relay the problem of the open checking account with Square and XXXX 's business account debit card but all they could do was to just cancel the debit card and inform Square that the account was likely fraudulent. My issue is that Square opened the checking account without their due diligence of ensuring that the account was not opened fraudulently. Likely the fraudulent Square checking account will be used to falsely charge credit cards so that the scammer can withdraw the cash at a later point. If the credit card charges are investigated, then my name is on the account as the owner and may trigger a police warrant. If feel that Square is trying to capture market share by opening Square accounts and making it too easy to open accounts for scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14
Company: North Shore Agency, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Sometime ago, long enough that I ca n't remember, I had signed up for an online subscription to "   XXXX   XXXX   '' magazine, not so much that I felt it was worth the money but more as a donation to support their efforts to present an alternative channel to mainstream media. I believe, the amount I paid was something like {$9.00} for a six month subscription. After a few weeks and reading some of their work, I decided not to renew my subscription after it was to expire a few months later and I cancelled it online. Even though I cancelled, I noticed that they kept sending me emails as if I was still subscribed. I responded indicating that I wish to cancel and they should stop this insensitive harassment. Then I received a paper mail at my home asking for money to renew the subscription. I replied in kind, with paper mail, that I wish to cancel my subscription and I did everything they made available to do so already. They should cancel and leave me alone. Now after many months, perhaps a few years, I get a letter from the  North Shore Agency c ollection service to pay them {$39.00} to settle payments to   XXXX   XXXX  . Given the long delay between my settlement of the issue with The Nation, I am now suspecting either   XXXX   XXXX   sold my personal address information to an unscrupulous " collection '' agency or they have developed their own means of intercepting such data and harassing consumers with modest amounts of payments hoping at least part of them will just pay rather than challenging their fraudulent attempts.

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 2022-04-27
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: Investigation took more than 30 days

Complaint:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

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 2023-04-04
Company: Experian Information Solutions Inc.
State: MO
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:
In XXXX of XXXX I was in the XXXX XXXX XXXX. my mortgage went delinquent. XXXX contacted me telling me i qualified for a loan modification. ************THEY DID NOT INFORM ME OF COVID RELIEF OPTIONS. ******** I WAS NOT INFORMED THAT I QUALIFIED FOR COVID FOREBEARANCE OR ANY ASSISTANCE PROGRAMS. ******** ANY ATTEMPT TO SPEAK TO EXECUTIVE OFFICES OR PRESIDENTIAL UNITS WITHIN THE ORGANIZATION HAVE BEEN IGNORED. TO DATE I HAVE BEEN CONTACTED VIA PHONE ONE TIME. I WAS TOLD SIMPLY TO FOLLOW UP WITH MY ONLINE COMPLAINTS AS SHE COULD NOT HELP. XXXX is not FCRA compliant as they are violating item II ; A ; 5. " Considering the potential impact of the furnisher 's policies and procedures on consumers. " XXXX is not taking the time to investigate the situation and provide a fair resolution. XXXX to date has not researched my issue- they keep responding with the same generic responses. I was not advised of covid relief options. i was not advised of my qualification for multiple programs although XXXX was aware i was impacted by covid. XXXX was operating off of a denied modification package from fall XXXX and did not take the time to note the account accurately that i was having a second life event caused by XXXXI have XXXX discharge papers i am willing to provide as well.

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 2017-05-14
Company: EQUIFAX, INC.
State: FL
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:
While by fact we WERE ABLE to get financial loans, a mortgage etc. now that we have PAID a substantial amount OFF such as mortgage and high balance loans My Credit score has dropped significantly by  XXXX  or more points and I am being rejected for credit. Amazingly they, you and lenders do nothing but reject. Also even while having a security freeze on my account people still inquir e WITHOUT  permission. My husband has written of this to you but has informed me you do nothing! Never the less this in by opinion a scheme to further encumber us since this created our current financial woes. We were better off before paying those lenders of f. So HOW can my FICA be lower? OF course you 'll give me the unfortunately leaving o ff the total debt is less.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Amsher Collection Services, Inc.
State: KS
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:
My identity was used for a credit card and I already wrote to this companies thats Im not responsible for it and needs it to be removed asap

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please see CFPB Case #  XXXX ,  XXXX  and  OCC Case  #  XXXX .   In  XXXX ,  Wells Fargo Bank ( WFB )  provides a refund on monies they stole under a previous case.  WFB fail s to provide an answer to my complaint in  XXXX . This is another example of the arrogance of WFB. Heres a summary of my original complaint th at WFB  arrogantly has failed to answer : Please see case number  XXXX  as it relates to this new complaint. I received telephone calls from  Wells Fargo  Bank on  XXXX / XXXX /  XXXX   from  XXXX  at  XXXX   XXXX  and on  XXXX / XXXX /  XXXX   from  XXXX  at  XXXX   XXXX  and  XXXX   XXXX . I was able to answer the call on  XXXX / XXXX /  XXXX  . When I answered the call the caller advised that he was calling from a " recorded line. '' The caller 's name is  XXXX   XXXX ,  Executive Resolution Specialist with Wells Fargo  Bank. I advised  XXXX   XXXX  that I did not want to be recorded. He responded that he could not stop recording my call. I advised that the statute  ( Cal. Penal Code 632 )  in California regarding confidential communications was clear and that both parties had to consent to the communication being recorded. He again advised he could not stop recording. I told him that I specifically was NOT consenting to the call being recorded. It appears I can not speak with someone at  Wells Fargo on the telephone regarding confidential matters without being recorded. I believe Wells Fargo is v iolating the California statute regarding confidential communication recording. I specifically declined to the recording while on the call with  XXXX   XXXX . I did continue the call as there was no other option to resolve the matter in the above referenced complaint via telephone without being recorded. It appears I can not seek remedy under the previous CFPB complaint without consenting to being recorded. I am asking that the CFPB compel and orde r Wells Fargo  Bank to comply with the confidential communication recording statute in California. In  XXXX  #  XXXX ,  WFB ad mits they violated the law by recording my telephone conversation ( see attachment to Case #  XXXX . ) I would like  WFB to  address the complaint in Case #  XXXX  and provide a response.

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 2023-11-17
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX TX XXXX To whom it may concern : Please accept this letter as my formal written request for the following items on my credit report to be investigated. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof that I own this debt, you must remove the accounts listed below. 
I demand the following accounts to be removed immediately : TD  XXXX XXXX XXXX  XXXX - Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information- Please delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14
Company: Experian Information Solutions Inc.
State: AL
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:
XXXX   XXXX  I filed an complaint about   XXXX   XXXX   about information on my credit report that is not mine. The company responded and claimed they called me numerous times and sent o ut 11 letters  attempting to collect a debt. I never received any type of information from the company and they claimed to have sent a letter with the information and documents from the original creditor. They provided a tracking number. I checked the tracking on  XXXX  thinking I should have received some type of information in the mail after 10 days. Turns out the tracking number provided stated the letter was undeliverable. I filed disputes with the credit bureaus on fraudulent addresses that were listed on my credit report and the credit bureaus deleted the  XXXX  false addresses that I never lived at. I 'm not sure what address and phone number   XXXX   XXXX   has on file of the alleged collection but none of the information is valid. I went ahead with the advice from the last complaint and filed an Id theft with 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
Consumer complaint received 2023-04-30
Company: MRS BPO, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX XXXX XXXX XXXX opened a collection account for my phone bill. However the issue I have now is that they just added the same collection onto my account again on XX/XX/2023. Not only is it the wrong amount this time but are they even allowed to do this again???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Resurgent Capital Services L.P.
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: Their investigation did not fix an error on your report

Complaint:
I have reached out to the involved companies through the credit bureaus, and it has been 90 days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information.

I demand that this unverifiable information be removed from my credit report immediately. The 90-day delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history. 

Please let me know if you would like any further revisions or if you have additional concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XX/XX/XXXX I filed an complaint about XXXX XXXX about information on my credit report that is not mine. The company responded and claimed they called me numerous times and sent out 11 letters attempting to collect a debt. I never received any type of information from the company and they claimed to have sent a letter with the information and documents from the original creditor. They provided a tracking number. I checked the tracking on XX/XX/XXXX thinking I should have received some type of information in the mail after 10 days. Turns out the tracking number provided stated the letter was undeliverable. I filed disputes with the credit bureaus on fraudulent addresses that were listed on my credit report and the credit bureaus deleted the 2 false addresses that I never lived at. I 'm not sure what address and phone number XXXX XXXX has on file of the alleged collection but none of the information is valid. I went ahead with the advice from the last complaint and filed an Id theft with 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
Consumer complaint received 2017-05-14
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am unable to get my free annual credit report or dispute my credit report online.

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 2023-03-06
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I purchased a 2008 XXXX XXXX  from XXXX XXXX XXXX in XX/XX/XXXX and my car loan is through Santander Consumer USA. At the time of purchase, I didnt have any established credit and my APR was 26.42 % with a car payment of {$550.00} per month. My credit improved in XX/XX/XXXX & XX/XX/XXXX and I tried refinancing for a lower interest rate with Santander which they wouldnt allow. I tried refinancing with other lenders as well and was denied because the loan was upside down, owing more than what the car was worth. In XX/XX/XXXX, I was terminated from my job and I was using my unemployment money to pay my car payments as best as I could. On XX/XX/XXXX Santander repossessed my car and when I called to find out the necessary amount to reclaim my vehicle, I was informed that I was 3 months behind which should have been at the most {$1600.00} but instead I was told that I would have to pay {$3900.00} ( please see attached statement ) in order to get the car back. On XX/XX/XXXX the car was sold at an auction for {$4000.00} and the remaining balance of {$15000.00} is owed. Much to my surprise, I recently reviewed the attached transaction history and for the past 4 years I see that my car payments were being applied to the interest and I still had the same balance due of {$19000.00} which is the original amount financed in XX/XX/XXXX. Also, according to the transaction report the amount that the car sold for was applied to the principal balance and the amount of {$15000.00} is outstanding. I am shocked to learn that NOTHING had been applied to the Principal balance until the car was sold. Also attached, are the XXXX XXXX XXXX reports which show that the car was worth {$4000.00} when I purchased it and {$3100.00} is what its worth now 4 years later. Based on the amount of {$4000.00} Santander received from selling the car in XX/XX/XXXX, plus the inflated monthly car of payments of {$550.00} Santander has recouped the value of the car and then some. Not to mention, according to the attached Sales Contract with XXXX XXXX XXXX had I been able to make all the car payments due under the sales agreement I would have paid {$40000.00} for a car that is only worth {$4000.00}. Santander is a predatory lender that takes advantage of people like me that have no clue about interest rates, that have no established and/or poor credit and desperately need a car. Please help put an end to Santanders predatory and disgusting lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
My mortgage was in forbearance period. I received a notification that someone tried to access the property. Later, I became aware that the mortgage company Shellpoint charged a {$30.00} property inspection charge. 
There was no notification to me about any property inspection and the loan agreement does not include any provisions that allows the mortgage company to charge a fee for a property inspection which it decides to do and which I did not agree and did not request. 

I sought clarification and challenged the charge but Shellpoint refused to refund me

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-17
Company: FC HoldCo LLC
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Consumer law states they owe my down payment back and they have the car back, because Flagship Financial wouldn't lower my payments.

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