BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-05
Company: CHARLES SCHWAB CORPORATION, THE
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Unresolved Issues with Bank card and Accounts - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX  To : XXXX XXXX XXXX : XXXX XXXX XXXX Dear XXXX XXXX Resolution Manager | Client Advocacy Team As of today, XX/XX/XXXX, my account is still frozen and forced me to drain my checking account -illegally by using it as leverage to cover my broker account. I'm puzzled by your incorrect letter on XX/XX/XXXX and XXXX XXXX and wild explanations!! Why would I ( a reasonable person standard ) close my own credit card on vacation in XXXX?? You have several letters documenting the facts. The fact remains it was your Rep who used bullying and coercive techniques to freeze 3 accounts. We believe, this action is breaking a series of banking and SEC regulations. It is my understanding Schwab policies are trumped by federal and state laws. I lost way too much money in the XXXX unprovoked account freezes and improper mathematics to simply have the matter buried by inaccurate nonsense!! I have filed a FINRA complaint with XXXX XXXX in. Washington DC and expect Schwab to produce the recordings of bullying reps forcing me to close my banking account and data I requested for mediation and or court. I think the federal government needs to see how small investor, and XXXX US citizen, is treated by your firm. I know Schwab and other broker-dealers are afforded guard rails given by SEC but XXXX we believe your actions have strayed outside the lawful industry standards. I teach finance at the University level for 25 years. I discuss the law as written. I have 2 other brokers and checking accounts. I do not have any of these problems. Why?? I request a credit of {$32000.00} in cashier 's check plus the proceeds from my frozen accounts. All my best, XXXX XXXX I request a credit of {$32000.00} in cashier 's check plus the proceeds from my frozen accounts and damages caused by your improper handling of my account. All my best, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, Lawyer

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: Shellpoint Partners, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
original loan XX/XX/XXXX with highlands mortgage loan sold to NewRez XX/XX/XXXX We are refinancing XX/XX/XXXX without pmi with another company We have Pmi on current loan with NewRez Payoff from lender is principal, plus per Diem interest, PLUS 3 months Pmi And yes there is an escrow account of over {$1800.00} Is this legal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: Capital Markets Cooporative, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage Co. XXXX XXXX XXXX c/o XXXX Loan # XXXX on XX/XX/XXXX XXXX XXXX bought our loan from XXXX XXXX XXXX  XXXX XXXX when they did the transfer they dropped one of the 3 borrowers names from the loan, they also changed the property address to our mailing address when the property address is completely different. 
We provided the note and deed of trust showing all three of our names on the loan as well as the correct property address and up until XX/XX/XXXX XXXX XXXX.had the right property address on the mortgage statement and then all the sudden on the XXXX statement CMC changed the property address to our mailing address which then caused them to say we are not insured when in fact we supplied the insurance binders for the property address in XX/XX/XXXX as well as XX/XX/XXXX but because internally they changed the property address to our mailing address they say we are not insured and now are charging us for their internal insurance binder at the cost of {$2200.00}. I have literally spoken to every supervisor int he insurance dept as well as the loan dept, I have conference calls as well throughout the 8 mos of dealing with this and everyone is gon na fix it but 8 mos later I am sitting on hold listening to them tell me they are gon na fix it .... We are at our wits end and do not have any other recourse but to diligently call them without fail every month trying to make them see that they did this mess not us ... we only get a run a round as we are now going on 8 mos of pure XXXX. Today we were told by the insurance side and the loan side of CMC that we have been escalated and the completion should be by XX/XX/XXXX .... HELP???

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: EQUIFAX, INC.
State: AZ
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:
My name is XXXX XXXX and I am having some issues with Credit Card department. I had originally applied for a XXXX XXXX XXXX in XXXX of 2022 to help rebuild my credit profile. In late XXXX I received my first statement but never received my card. I reached out to customer service and they advised me that they would send out a replacement card and restart my account so I can make the Annual fee payment after I receive my card. 
I then receive my second statement but did not receive my card again. I contacted customer service and informed them about my card, they agreed to send out a second card and again reset my account. I then receive my third statement and no card. At this point I called customer service and requested that my account be closed. I was told that nothing was reported to my credit due to this discrepancy. 
I recently got a copy of my credit report and not only did they report 3 lates but they also reported 3 different accounts. This is very damaging to my credit so I reached out to customer service to get these accounts removed as I never received the credit cards. I was informed that XXXX XXXX is unable to do anything about this and that it should be disputed through the credit bureaus. I advised her the information being reported is correct and is hurting my credit drastically. I requested to speak with a manager but was denied. The representative would rely my concern to the manager and the manager to would advise the representative what response to give me. 
The second time I reached out and was finally about to speak with a supervisor, she informed me that 3 accounts WERE NOT reported and that only 3 cards were issued. I advised that 3 accounts are reported and to please remove them or to transfer me to someone that could help with the situation. She insisted that I should take to the credit bureaus as they can not do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: United PanAm Financial Corp.
State: TX
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:
XXXX XXXX XXXX # Case XXXX FTC # Report Number XXXX Attorney General Attachment also included. 


NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 United AutoXXXX is violating 15 U.S.C. Sec. 1681i ( a )? I want this accounts deleted since its not being reported correctly. I called and confirmed with XXXX that this account is being reported open and also has been charged off, which is an illegal violation. I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please reinvestigate and delete off my report, or else I will be seeking {$1000.00} in Monetary compensation per violation. 

Once an account is charged-off it should never appear as open. With a charge-off the original creditor is declaring the debt to be uncollectible. It could be that the debt has gone to a collection agency and what you may be seeing is an open account in collection. Collection accounts are reported with an open status, until the debt is paid or the collection agencys authority to seek payment is terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29
Company: UMB FINANCIAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
UMB of XXXX XXXX has extended the length of time to do bill pay from accounts and now has refused to make any medication to the problem. All of the problem phone lines say this is a problem and it will be solved ( 2 days ago ). in the mean time I have monthly bills not being paid and having to pay with a 2nd form of payment other then UMB. The usual time for bill pay is 3 days it has now been 7. Is this bank going out of business should I withdraw all of my money before I lose it.. 

Thanks for any help. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

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 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 2021-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

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 2018-08-06
Company: On-Site Manager, Inc.
State: NJ
Product: Credit reporting, credit repair services, 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 three hard inquires one is from On-site Manager Inquiry from XX/XX/XXXX, I never heard of them before. As well as I never applied for anything in XX/XX/XXXX. That's false identity and consent. Secondly, I have two hard inquiries from XXXX XXXX Bank Usa Inquiry from XXXX XXXX, XXXX and XX/XX/XXXX. On XXXX XXXX they had advertised credit card base off your credit score. Around that time, they had offer XXXX XXXX and it stated free credit check, no hard inquire for applying. I had applied not knowing it would affect me later on, until I saw it on my credit report. I have tried to dispute this case but no action has been taking place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/XXXX Contacted AMEX upon receive of email change notice. A new unauthorized user was added to my account. Spoke to fraud prevention department and they cancel my existing card including the newly added fraudulent account. 25 minutes were spent on call to resolve issues. 

XX/XX/XXXX Fraudulent transactions started to appear on my account despite it was supposed to be closed on the XXXX on XXXX. In addition, another unauthorized user was added to my account. AMEX fraud prevention department claimed they will remove unauthorized charges and close the newly added fraudulent account. A total of 23 minutes spent on call to resolve issue. 

XX/XX/XXXX Contacted AMEX with issues adding my new card to XXXX XXXX and follow up on unauthorized charge removal. The new card was not able to be added to XXXX XXXXXXXX hence a new card had to be issued. I was assured that unauthorized charges would be removed and will not be held liable. Spent a total of 47 minutes and 4 calls speaking to multiple representatives to resolve issues. 

XX/XX/XXXX Fraudulent transactions on the second unauthorized account started to appear on my account. That account was supposed to be closed on XX/XX/XXXX. I was asked on the call to confirm the unauthorized users for reason I can not fathom. The two unauthorized account were supposed to be closed on XX/XX/XXXX and XX/XX/XXXX calls respectively. Spent 33 minutes on call trying to get my account secured and removing unauthorized charges. 

XX/XX/XXXX All the fraudulent transactions went from pending to post status on my account. Spent 11 minutes on call asking representatives why they have yet to execute what I was told on previous calls. I may have to pay over XXXX XXXX out of pocket first to prevent fees and impact to credit profile.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-12
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am locked out of my account. I called over a week ago and was on hold with the rep for over an hour. He kept referring to " my case ''. Then he mumbled something about my banking with another bank. I told him that I did not bank with the bank he quoteds. Then he tried to verify my identity. The phone number on my Marcus account is outdated and I gave the rep my current phone number. He tried to send me a text for verification and it failed. I asked to speak to a supervisor. He could never get access to a supervisor. After an hour on the phone, he told me someone would call me within the week. No one has called. Today I went thru the same scenario with XXXX who finally transferred me to his supervisor XXXX, who put me on hold for XXXX minutes. Her final solution was to send me an affidavit via snail mail to verify my identification or close my account and mail a check to the address on record! I chose the latter. I planned to close my account after this hullabaloo! My money, {$160000.00} has been inaccessible for over a week. How can this be? Sucky customer service and poorly trained personnel!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: T.S. Holdings
State: TX
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:
I am writing to formally dispute several items on my credit report that I believe were reported in violation of 15 U.S. Code 1692j, which prohibits " furnishing certain deceptive forms ''. I'd like to bring your attention to the case XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX ), where the court held that credit reporting agencies must avoid reporting information in a manner that creates a materially misleading impression. 
Given the precedent set by this case, I kindly request the removal of these accounts from my credit report or its update to reflect a neutral or positive status. Doing so would ensure that my credit report is a fair and accurate representation of my credit history. Below are the refenced accounts that need to be updated to reflect positive and or removed from my credit report. Specifically, the following items on my report are disputed in attached document

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Im reporting the Apartment ( XXXX XXXX XXXX XXXXXXXX XXXX ) by and the collection agency ( XXXX XXXX XXXX ) for wrongfully charging me {$1600.00} for early termination and XXXX $ for legal fees when I have in-fact not terminated my lease. I have tried to as you will find in the emails I'm uploading as supporting documents- I believe the early termination fees is a wrong claim. I moved out on the last day of my lease XX/XX/2020. They claimed they charged the fee because I did not give a notice, but since they lied about the charge I would like them to remove the charge. The reason I couldn't give a notice is that when I called them to inform of the move out they talked me into extending my lease and offered to reverse the rent increase and I agreed, hence I couldnt have given a notice ( even though I called the office to give the notice as the email will prove ). As you will find in the email I'm sending, I was asked to come in and sign a new lease. This happened during covid and the office was closed every time I went to sign the new lease. Afterwards my car was vandalised which cost me {$850.00} in repair, neighbour pulled a XXXX, dogs without leash, the XXXX in the apartment broke for XXXX and it was not fixed until 2 days to the end of the lease ( ticket completion email was provided to collection agency ), all these and more made the apartment inhabitable, which I reported but nothing was done, so I had to move to my friends apartment at the beginning of XX/XX/2020 but I did not break the lease to avoid penalties. I moved out on the last day of my lease and returned the keys but they refused to do a walkthrough yet they charged me for various things that wasnt accurate like cleaning fridge and oven. All these happened during covid and offices were closed and everyone was on locked down per government advise to prevent spread of the virus. They filled an eviction which they withdrew when I moved out on the move out date on my lease and they charged me for the eviction fees. Also they charged me for trash that wasnt mine, I sent them a photo of the apartment when I moved. The trash was put there by their maintenance guys that had come to renovate the apartment for lease, the picture showed things like paint bucket and wood used for renovation, they agreed to remove this charge but never did. I also have a deposit which was never taken out of the balance they charged. They reported this in my credit and I have tried to dispute but they two companies are trying to frustrate me by denying responsibility and when I speak to the collection agency the agents are rude and they say the charges are valid notwithstanding the facts that there was Covid and the office was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Opportunity Financial, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I took out a personal loan refinanced that loan last year then XXXX did a debt consolidation on loan my credit union sent out payment opp loans returned payment XX/XX/XXXX and XX/XX/XXXX meanwhile it showed paid they allowed me to take another loan I did now they reported to the bureaus that my acct as a charge off hurting my credit I just got notified of this report 4 months later they never contacted me it was reversed they turned over to collection agency I make payments for past loan now and current loan never been late and they reported me to credit bureaus at charge off with no notification hindering me getting my VA home loan I have contacted opp loans they can't tell me why it's reported charge off or why I was not notified I want the charge off removed as I agreed to pay past loan offbin full as I am already making payments please help

Company response to consumer: Closed with explanation