BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I deposited two checks from the XXXX XXXX and XXXX XXXX ( XXXX ). They were rather extensive checks, totaling almost {$100000.00}. Almost immediately, USAA shut down my account, accused me of fraud, and said they were " terminating services '' with me. After three weeks with no access to my money, they unfroze my account and decided to keep doing business with me w/o stating that. I inquired about the two checks I deposited and was told they were " returned to their maker. '' XXXX said they would not reissue the checks until they received the two original reviews, which they have not. I have called USAA multiple times, specifically XXXX at XXXX, ext. XXXX, who had been updating me regarding the status of my accounts that they froze and who is the one that informed me that the checks had been " returned to their maker, '' but she no longer returns my calls. I would have gone to the bank in person to deposit the checks, but USAA no longer offers an in-person bank to do so, only to deposit through an ATM or a mobile app. USAA messed up my finances by closing my accounts for three weeks, and now they have lost {$100000.00} of my money and are absolving themselves of any responsibility. The checks were last in their possession. They need to take responsibility for their actions, find the checks they falsely deemed as fraud, and ENSURE that they get back to XXXX so I can receive reissued checks and deposit them into my new account with a different bank. Essentially, USAA has lost {$100000.00} of my money and is not taking any responsibility for it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I've conducted 3 different sales through PayPal through out XX/XX/XXXX for a total of XXXX of which XXXX we're supposed to be returned to buyer by PayPal since they're holding the money. PayPal is requesting that I pay the money back and fined me {$500.00} for not returning the money that they're holding. On the 1st transaction they requested from the buyer to add {$1000.00} to convert my account to a business account. Seller submitted XXXX which I had to return plus {$500.00} penalty despite the fact of my account been charged and money was paid the money is still on hold. I sold another item for {$5000.00} and they once again requested from the buyer to add {$1000.00} which I have to return although I don't have any of the money that they've been holding for a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: FIRST ADVANTAGE CORPORATION
State: WI
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: Public record information inaccurate

Complaint:
First Advantage incorrectly listed my convictions/arresting charges on the background check report. I contacted them on XX/XX/XXXX to let them know the information was listed incorrectly and need to be fixed. First Advantage also, listed my pending charges incorrectly in XXXX of XXXX. I contacted them in XXXX and First Advantage never fixed the issue. I spoke with the courthouse and the judge who sentenced me and the convictions/arresting charges doesnt match what First Advantage is reporting .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
Back in XXXX I was asked to pay {$300.00} to settle the loan to be paid for by XXXX gift cards which I did this in 3 monthly payments of {$100.00} they stated they would send a payoff letter but they never did. Then they started sending emails threatening to have me arrested and put in jail for violation of federal banking regulation. Collateral check fraud. Theft by deception. They started sending this emails in XXXX and every so often they would send them the last one I got was on XXXX XXXX and the wanted me to pay them {$190.00} in XXXX XXXX  prepaid visa/MasterCard. They keep saying Im not contacting them even though I answered most of the emails. Please tell me what I need to do?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian is reporting duplicate accounts for XXXX XXXX which dropped my credit score by XXXX points on XX/XX/XXXX. 

Credit Reporting Agencies are held accountable for reporting inaccurate information that has negatively affected my credit score drastically. 

Experian is allowing XXXX XXXX to report the same debt with the exact company twice on my credit report. The account has been reporting in my credit report since XXXX. 

Experian has listed the account as newly opened. This type of behavior is unacceptable. This misconduct has caused loss of credit opportunities. 

Thank you

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 2021-01-04
Company: M&T BANK CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Hi my name social XXXX XXXX With complain is from m & t bank I have 80 years hold I have loan for a truck This bank I have late fees this bank take reposition my car when my Daugher call This bank sai XXXX Ok I ready for pay she is call back this bank nexday.total XXXX Is more XXXX my daughter XXXX please can you explain what more XXXX XXXX I not can give more informacin I have audio, I need Gelp I one person hold what happened Need explication they bank only renspond you pay all total XXXX or pick you have any pertenency personal on you car

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 2019-09-07
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am so grieved to write you about this agency but there must be some checks and balances but it may be negligence in not keeping update in the world of cyper security. I might have been protecting my files by thinking I had access to freeze them at will and Lock. But since I have been under some XXXX in the last few years the verbiage has changed I guess. 
My experian account was lock and I had the ability to have the keys to do this with a membership via MONEY. But inside of this is a another vervbiage called FREEZE. I am supposed to have a password and a limited amount of days it can stay open or perm open. Like I said I take responsibility for some of this and thank God I did not get taken advantage too much during this time period. But over the weekend we have a realtor who is trying to work with us to trying to get us into a better loan from the XXXX XXXX XXXX UH better know as XXXX XXXX ... ... took advantage of us with HIGH APR IN 2006. Somebody finally gon na help us get released from these TOP 1 % IN USA. THEN we cant even get someone from experian to work on friday XX/XX/XXXX & on weekends to help with customer support to help with passwords/freezes/. One person only help because I was going to cancel membership. Otherwise calls going throught loops of automations. When are the rich people ever going to stop just caring about money and care about people. Travesty.

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 2023-10-13
Company: CCS Financial Services, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid off my collection account and was promised a receipt of payment, as well as removing this negative account from my credit reports because XXXX insurance incorrectly charged me twice in one month.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: Nelnet, Inc.
State: MD
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've been in contact with Nelnet since XX/XX/2018 due to the incorrect reporting of my loan structure and misinformation during the time of my loan setup. 
The first issue is my loan is being reported on my credit as three separate loans based on disbursement when the online Nelnet website two balances. Group A and Group B ( Which you would think means 2 loans ) However, after missing 6 months of payments which I thought would only be 6 missed payments- I've now received 18 missed payments for those 6 months and I was never told that I had three loans. Online it actually only shows that I have two groups ; meaning two loans. I was never told that my one payment was being dispersed to three different loans and If I missed one payment I would miss a total of three because I thought that If I was paying off three accounts I would have three payments coming from my card and not one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX of XXXX : XX/XX/XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX  I Account Number : XXXX, XXXX  XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX  XXXX of inquiry : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-04
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a call from phone number XXXX on XX/XX/2020 from a woman identifying herself as XXXX from Convergent. She stated that she is a debt collector and this is an attempt to collect a debt. She stated that I owed some amount to XXXX and asked how I would be paying. I responded that I had never heard of her company, Convergent, and that I needed for more information about the debt before proceeding. 

I waited for the initial notice to arrive in the mail over the next couple weeks and I still have not received one. The Fair Debt Collection Practices Act provides that a debt collector must provide this within five days of its initial communication with an alleged debtor and Convergent did not do so.

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 2022-12-12
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

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 response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: EQUIFAX, INC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
ONE THING THAT I NOTICE THAT THE BANKRUPTCY COURTS DO NOT REPORT TO ANY CREDIT BUREAUS AND THE STSUE DIDNT NOT HAVE THE CITY AND STATE SPELLED OUT THE CORRECT WAY. IT SHOULD SAY U.S. BANKRUPTCY COURT OF XXXXXXXX TN AND ITS SHOWING DIFFERENT IN ALL 3 BUREAUS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: VA
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'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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
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: Their investigation did not fix an error on your report

Complaint:
Experian is not resolving the fraudulent account that is listed on my Experian Credit report. This account is fraudulent, It was opened by a thief and was not authorized opened in XX/XX/2015. Instead of blocking the fraudulent account, after Experian was notified they are refusing to block the Fraudulent account even though they have been provided documentation proof that I am a victim of identity theft and that I did not authorize this account. They unblocked this stating a Material Misrepresenation, Yet the Company that provided them documents provided a Driver License with an address of XXXX XXXX XXXX Apt XXXX, XXXX TX, XXXX. Which was never my address, and Experian was notified that this address was fraudulent, I never applied for Membership at this credit union, Nor ever signed anything. I have Provided Experian with a FTC Affidavit Clearly stating the crime, I have provided Experian with a Utility Bill, I have provided Experian with my SS Card. All of which are proof and documentation that I did not authorize this account, they refuse to follow FCRA Law 603 ( B ) Even though they were notified I am a victim of a crime. They told me on the phone that their Agents unblocked the account because this company is one of their " Preferred Vendors '' And that when they have a relationship with a company they have to unblock an Item if the company requests them to do so. Which is against the law since the account is ACTUAL TRUE NAME FRAUD. Being a victim of identity theft you should not have to have your credit file damaged because a criminal decides to open an account. Especially since this account was opened in 2015 and never authorized. XXXX XXXX XXXX XXXX - Account # XXXX Opened XX/XX/2015. Not authorized. Balance was updated to show {$1800.00} which is not possible as I never made a payment to this account ever, because the credit union would not give me an account # would not let me pay this account, and would not give me details on this account that is fraudulent. Because again I did not open this account so there is no misrepresentation as they won't give me any information on this account and told me they sold it to XXXX XXXX XXXX whoever that is.

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 2018-04-12
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX XXXX is threatening me and suing me for a debt that I do not owe. I have never heard of the merchant nor do I have a Contract with them nor are they licensed to collect in the State of Texas. Those are 3 different violations that entitles me to {$5000.00} per Violation If it doesn't get removed off my Credit Report. The State of Limitations in the state of Texas is 6 years & its past that time for them to collect in the state even If they were bonded to collect and it was indeed my Debt. You have 30 Days to remove such Debt or I will be filing a Civil Suit against your entire company and be forced to present yourself in the court of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2022 we purchased a home using XXXX XXXX  company. During XXXX and XXXX we paid them {$180000.00}. They sold our loan to Amerihome Mortgage. During this process our extra payments got lost. XXXX XXXX says the money was transferred. Amerihome says they can't find it. Every time I call Amerihome I speak to a different person and get different answers to the same question. Finally they gave me an email address to file a complaint with. Two weeks later when I checked on my email I was told they no longer use that email address, and to file my complaint using a different method. 

Amerihome has copies of my bank statements and a copy of the payment history from XXXX. The problem is every time I contact them they tell me a different date of when I can get them to address this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
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:
The following credit inquiries listed on my Chex Systems Consumer Report ID:XXXX, are all fraudulent, unauthorized and not my credit inquiries : XXXX XXXX  XXXX XXXX  , XX/XX/2021, XXXX XXXX XXXX XXXX XXXX , XX/XX/2021, XXXX XXXX XXXX XXXX XXXX , XX/XX/2021, XXXX XXXX XXXX  XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXX , XX/XX/2021, XXXX XXXX , XX/XX/2021, XXXX XXXX  , XX/XX/2021, XXXX  XXXX XXXX , XXXX, XXXX XXXX XXXX  XXXX XXXX , XX/XX/2021, XXXX XXXX XXXX XXXX , XX/XX/2021 , XXXX XXXX XXXX, XX/XX/2021 , XXXX XXXX, XX/XX/2021 , XXXX XXXX XXXX, XX/XX/2021 , XXXX XXXX, XX/XX/2021 , 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 explanation
Consumer complaint received 2021-04-30
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:
This company has been accepting erroneously created late payment entries from my loan servicer. I have sent a dispute form to them before to no avail. This is the second time that I have complained to them regarding this malicious entries posted to my account. I have provide to them substantial proof that I have never been late on my mortgage payments and they continue to post these garbage on my record. 

Their actions have created an immense economic burden to myself and my families well being. I have been denied the opportunity to refinance my usurious mortgage loan, due to the fact that they continue to post these illegal entries. They are not even posting on my account that I have disputed this companies charges, lending credibility to the garbage entries posted by my mortgage servicer XXXXXXXX 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 2023-12-12
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX Has been texting me on behalf of XXXX XXXX XXXX ( XXXX name ) They are running an internet scam. I got the answer correct to their quiz, and then send money with a promise to get a bigger return which of course never happened.

Company response to consumer: Closed with explanation