BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-18
Company: U.S. BANCORP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
So I got a called from XXXX XXXX that I missed a delivery and to call that number with a reference number to figure it out. I had no idea so I called and gave the ref number and it's some collection agency trying to recover money from a credit card supposedly from XXXX that closed in XXXX and was charged off in XXXX? Idk it isn't on my credit anywhere and I have no XXXX idea what they're talking about but basically threatened my credit. And bank account. They had my info, last four of my social at least and birthday and address. 

The company that supposedly sent the delivery was XXXX XXXX XXXX. I hung up mid call because they began staring my credit would be damaged for a decade, due to a law Obama passed? It was very confusing

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 2024-01-29
Company: HYUNDAI CAPITAL AMERICA
State: GA
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:
Per the FCRA as a federally protected consumer. I am now opting out of any and all authorizations, I the consumer may have given you written, unwritten, verbal and non-verbal permission 15 USC 6802.

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 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable item that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15U.S. Code 1681e ( b ) and U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. Also I received your computer-generated letter stating that you not proceed with my investigation on my credit because in their opinion the letters were sent out by a third-party credit repair agency. I believe it to be a blatant violation of the FCRA. I submitted my government issued ID, social security card, as well as mail showing proof of address. I feel this was a stall tactic on their end to hinder me from being about to question the inaccuracy of this item on my credit report. I was the one that written the and mail them out not a third-part. Please have them verity the accuracy of this account and send me a proof of the master promissory note or signed contract regarding this 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 2024-01-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
To whom it may concern I submitted a dispute with USAA for an ongoing purchase I had made on my credit card with Smile Direct after my teeth become poorly affected and they filed bankruptcy. First USAA ruled in my favor and credited the amounts back. Then, they claimed I hadn't submitted enough evidence even though they gave me less than 48 hours to produce it and charged me again. Then they said they'd credit back a portion and never did. They keep sending me a letter from a XXXX XXXX XXXX  who claims to work directly with USAA 's CEO. I have since come to find that " XXXX '' is an automated machine. XXXX  does not exist. This is a general letter they send customers to appease them since the shrinking of their assets in XXXX  and potential bankruptcy filings. My pleas to USAA 's dispute and documents team are ignored, customer service is unresponsive. The few times I have spoken with representatives they seem generally unknowledgeable about banking concerns and legalities. I would like a deeper look taken into this and I have saved the documents necessary to prove my claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: EdFinancial Services
State: TX
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:
I paid {$47.00} to my fourth student loan on XX/XX/2023. It was never applied to my account with Edfinancial Services. I emailed Edfinancial Services twice and never received a response. So, I contacted my bank and filed a reversal request. The funds were dispensed to my bank account on XX/XX/2023. I submitted the payment for my fourth student loan again on XX/XX/2023. It was never applied to my student loan account. I called Edfinancial Services on XX/XX/2023. The representative could see my payments in their system but could not tell me why they weren't being applied to my loans. She stated she would contact the financial department but could not provide me with a reference number. I firmly believe Edfinancial Services is stealing from me.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-02
Company: EdFinancial Services
State: VA
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:
I received a notification that my account was delinquent and that I owed {$1100.00} on my student loan bill. I checked my payment history and it appears my payments are not being applied since XXXX. My payment history shows the last payment received and applied was XX/XX/2023 ; however, I have paid {$2300.00} since then as follows : - {$500.00} on XX/XX/XXXX - {$600.00} on XX/XX/XXXX - {$600.00} on XX/XX/XXXX - {$600.00} on XX/XX/XXXX I have called but never connected : I have emailed but no response. Servicer is XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2024-01-14
Company: Universal Account Servicing, LLC
State: VA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out this loan in 2021 for XXXX  XXXX with XXXX XXXX and Universal Servicing acquired the debt from them for {$10000.00}. XXXX for XXXX  and XXXX for travel. They are reporting the initial debt was {$12000.00} and I have emails from XXXX XXXX detailing the payments. I dont know where they got {$12000.00} from. I have never been late nor have missed a payment and I want the original balance to be updated to reflect the correct amount which will in turn lower the correct amount owed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Bank of America charged a right to offset on a business card leaving me in dire straights to pay my mortgage. They took XXXX out of my checking fully knowing I was in a hardship. They offered no solutions and increased a payment for when they knew I couldnt pay.

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 2024-01-19
Company: Prosper Marketplace, Inc.
State: AZ
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have reported them to the XXXX XXXX XXXX about XXXX times now. They are several months behind in reporting for my loan. They ONLY report when I file a XXXX  report and the last time they only reported to XXXX credit bureau and were at least XXXX months behind. I need all of my information updated immediately and reported on time monthly to every credit bureau as they are obligated to do. This has gone on for too long and is extremely poor business practices and Im sick of having to report them every month for any movement on my credit report.

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 2024-01-28
Company: Steel River Systems, LLC
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received an alert from my credit monitoring service that I have 2 collections placed by this company. I have never received any notices in the mail.

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 2023-12-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue.

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 2024-01-28
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called the debt collection agency and explained the account was not opened by me and explained how I was positive of the fact. Also informed her that at the time the account was opened I was fully insured and that would have paid any medical bill. Proceded to get any and all information they had that I opened the account and was told I needed to pay {$1.00} so they could access all three credit agencies to see if there was any information that was inaccurate or was different than what they had.

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 2024-01-27
Company: HYUNDAI CAPITAL AMERICA
State: NJ
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:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states i have the right to privacy 15 USC 1681 section 6 o 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-01-03
Company: Specialized Loan Servicing Holdings LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
On XX/XX/XXXX I was granted a county property tax deduction ( from 6 % to 4 % ) based on primary residence status. My mortgage company claims that they reached out to the county on XX/XX/XXXX and were told to pay the 6 % rate. This can not be true, as my property tax bill has been adjusted down since XXXX. The mortgage company wrote a check for the higher ( 6 % ) amount and now claims that my escrow account is short over {$10000.00}, and intends to increase my mortgage payment to make up the shortage beginning XX/XX/XXXX. I will not be able to pay the overage, and should not be held liable for a mistake that was made by the mortgage company. I have documentation to prove that my property tax bill has been adjusted down since XX/XX/XXXX. I can and will pay to cover my real property tax amount and can pay nothing more.

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 2024-01-27
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
After XXXX XXXX  reported to me that a credit card account was opened with CBNA Wayfair/Mastercard by me ( which i did not do ), I called CBNA wayfair/mastercard and verified that someone committed fraud and opened an account in my name and used my social security number. They confirmed that the address was not mine nor was the phone number that was given to open the account. 
They immediately closed that account before the fraudsters were able to use it. There was no balance due. 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 2023-12-05
Company: Experian Information Solutions Inc.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
Bank of America was well aware I was going through a hardship. I advised them many times. They only thing they offered was credit counseling which I was not approved for. Upon requesting help with my payments, they gave me a higher payment. They do not have any solutions to help out borrowers. 


They run the time on complaints- stating they will respond in two day then take weeks to. They took XXXX} from my checking account fully knowing I was in a hardship. They put me in dire financial stress making it difficult to pay my mortgage.

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 2024-01-27
Company: Fidelity National Information Services, Inc. (FNIS)
State: UT
Product: Credit reporting 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:
ChekSystems refuses to provide me with my consumer report despite entering all of my ID information and answering their XXXX  security questions correctly.

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 2024-01-26
Company: Ability Recovery Services, LLC
State: FL
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:
This company is reporting a fraudulent account they sold the debt to ability recovery and now they are reporting, they are knowingly reporting a fraudulent account

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 2024-01-26
Company: Ability Recovery Services, LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reported this company in XXXX XXXX XXXX XXXX by a different name. They changed the name of their company to Ability Recovery Service, but it's the same {$1300.00} medical bill they fraudulently charged me for then. I have never been to a hospital in Mississippi EVER. Please stop allowing them to send fraudulent charges to collections and affecting my credit score. This is ridiculous.

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 2024-01-26
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: IA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
As provided in the prior response from Aspire/Iowa Student loan ( see below ) they provide various reasons and dates of payments on accounts in reference to statute of limitation. However, as you will see in the attached account statements for each account the information provided by Aspire/Iowa Student Loan is not factual as it relates to the last payment made/date on each of the loans in question. 

XX/XX/XXXX Loan has a last payment date of XX/XX/XXXX ( had a balance of {$2400.00} ) XX/XX/XXXX Loan has a last payment date of XX/XX/XXXX ( had a balance of {$8000.00} ) XX/XX/XXXX Loan has a last payment date of XX/XX/XXXX ( had a balance of {$9900.00} ) As you can see, in comparison to the inaccurate information provided by Aspire in their XX/XX/XXXX statement- they are not practicing the " law '' that they reference in their response. They are purposely damaging my credit and putting me in arears with IRS. 


ISL STATEMENT XX/XX/XXXX Although XXXX XXXX states in her complaint that the three loans were of similar age and account status, the actions taken were in compliance with federal and state practices. The state of Iowa has a statute of limitations on a written contract of 10 years. The last payments that satisfied a minimum monthly payment for loan sequence 2 ( disbursed XX/XX/XXXX ) and loan sequence 3 ( disbursed XX/XX/XXXX ) were received on XX/XX/XXXX. The statute of limitations for these two loans expired in XXXX. The last payment that satisfied a minimum monthly payment for loan sequence 1 ( disbursed XX/XX/XXXX ) was made on XX/XX/XXXX, extending the statute of limitations for that loan into XXXX. In XXXX, loan sequences 2 and 3 were written off due to being out of statute. At that time, the IRS required a 1099-C be issued. The 1099-C was provided to both XXXX XXXX and the IRS. Before the statute of limitations expired for loan sequence 1 in XXXX, the defaulted loan was turned over to a law firm for collection. Loan sequence 1 was subsequently charged off on XX/XX/XXXX, as part of a settlement between XXXX XXXX, the law firm and the loan owner.

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 2023-12-05
Company: Experian Information Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I'm disappointed by your claims & am rejecting on the basis that you lack any material fact to support your claim... Please DISPUTE THESE ACCOUNTS! Or I will be seeking a legal remedy from you. Frustration, distress, annoyance, and outright anger. These emotions stem from the painstakingly slow response and the repeated denial of my identity theft claim by your bureau. 

I demand immediate attention to my identity theft disputes. The sluggish response and repeated denials have only added to my distress and frustration. My life has been significantly affected, and it's high time you recognize the gravity of the situation. 

I implore you to swiftly initiate a thorough investigation into these matters, remove the fraudulent accounts from my credit report, and help restore my financial standing. I'm not asking for special treatment ; I'm asking for what is rightfully mine as a victim of identity theft. 

XXXX XXXX If my appeals for prompt action continue to fall on deaf ears, rest assured that I am prepared to take legal action to ensure justice prevails. I won't hesitate to involve an attorney to hold your bureau accountable for the repeated denials, the harm to my reputation, and the emotional turmoil this ordeal has inflicted upon me. 

I expect a written acknowledgment of this dispute letter and a clear commitment to investigate my identity theft claim promptly. 

My emotions may be running high, but my determination to resolve this matter is even stronger.

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 2024-02-02
Company: TRUIST FINANCIAL CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have asked XXXX XXXX to stop sending in the ACH Payments before the due dates, each policy is due on the XXXX of each month, and they are taking it on the XXXX of each month.

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