BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
The companys response addressed all of my issues No ADDITIONAL COMMENTS The response in question explains their position from its viewpoint. Which is a moot point of view? My request was a GOODWILL adjustment. That said, on information and belief GOODWILL is defined as : a kindly feeling of approval and support : benevolent interest or concern. As stated ; I Did speak with a XXXX XXXX XXXX on XX/XX/2018. During our conversation he was very combative as if my request did not concern him in any way. I do understand as he is not in my position. Sure USAA rendered their XXXXondolences for the loss of my Wife which would be very devastating to anyone with any GOODWILL within their spirit. As stated in my initial complaint ; 1 payment was missed. Account was immediately placed back on point as reflected in their report to each credit bureau ( 30 days ) minimum. Account was paid in full promptly. On information and belief, Fairness is defined as ; marked by impartiality and honesty : free from self-interest, prejudice, or favoritism a very fair person to do business with, That was not the case reflected during my conversation with XXXX XXXX. In closing, I would like to reiterate on the fact of the aforementioned company has/is acting in an UNREASONABLE manner in this instance as their/his actions are beyond the limits of acceptability or fairness. Thank you in advance for your prompt and professional handling of this matter. Respectfully,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 DISPUTED ACCOUNTS DOES NOT RELATE TO ME, THOSE ACCOUNTS WERE NOT AUTHORIZED ME. THEY HAVE BEEN DAMAGING MY CREDIT AND HARMING POTENTIAL LOANS THAT I APPLY FOR. IT HAS BEEN HARD TO ACQUIRE NEW CREDIT AND ITS EMBARRASSING BEING DENIED FOR A SIMPLE LOAN. PLEASE RE-INVESTIGATE THIS MATTER AND HAVE THOSE DEROGATORY ACCOUNTS OFF MY CREDIT.

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 2019-03-09
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid 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:
My complaint is because I have some unauthorized charges to my Discover bank, account # : XXXX, with a current balance of {$3700.00}. This charge was made in the XXXX of XX/XX/2017. All charges after XX/XX/2017 are not mine. Im including a police report and an FTC report and also a refusal letter from Discover bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16
Company: ENCORE CAPITAL GROUP INC.
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 sent a letter to Midland Credit Management after seeing an account they are reporting on my credit report. I never received a dunning letter from them in the first place. I sent them several certified letter requesting legal documents about this alleged debt they are reporting on my reports, but they failed to provide me the requested legal documents or don't reply. I am not liable for this alleged debt and they have not provided the documents I asked. I demand that they delete this account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2022 XXXX XXXX XXXX wire to my Bank of America {>= $1,000,000} net proceeds of the sale of our Home. Until today, XX/XX/XXXX, the wire has not gone through. I talk to the bank several times, we call every where, apparently was missing XXXX XXXX in my checking account. Since XX/XX/XXXX the escrow company and us are tying to collect our money. Could some body help us, we are powerless with this powerful institution. We have to move from this house and now we do ha money for our next house, we are XXXX. Thank you so much for your help.

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 2021-01-24
Company: EQUIFAX, INC.
State: NJ
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: Was not notified of investigation status or results

Complaint:
On XXXX202I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I purchased an item on XX/XX/XXXX on XXXX by a discover credit card. The manufacturer warranty on that item is 2 years and that item is not working on XX/XX/XXXX. It's out of the original warranty, as discover credit card provides extra one year warranty so I filed a claim through discover. And discover customer service successfully created a claim number for me # XXXX. Actually discover customer service forwarded my case to a third-party insurance company called " XXXX, XXXX XXXX XXXX '' to handle my claim. And I uploaded all the required documents to XXXX XXXX   XXXX and submitted couple of additional documents based on the request of XXXX. But it seems like the XXXX claim team keeps giving me hard time and rejects my claim due to incomplete documents or document is not qualified.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-04
Company: Experian Information Solutions Inc.
State: NC
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, XXXX XXXX account number XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2018-09-18
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I logged on to my XXXX XXXX account today and saw a new account in collections. It was a different collection agency but the same account that had already been removed previously because I didn't take it out. The new company is called XXXX XXXX XXXX   who are collecting for XXXX XXXX. They say I opened the account in XX/XX/2017. Which I know for a fact wasn't true because I wouldn't open a new credit card account ( and wouldn't be able to ) when I had lost my job and was being evicted. I call and they tell me that I bought new tires for my truck, which I didn't. The only truck I have hasn't run properly in five years, I am not putting XXXX dollar tires on a truck I can't use. It has already been removed as fraud, now they are just harassing me and putting it on each report over again, weeks before I buy my house as well!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
To whom it may concern I am. Victim of identity theft please see attached FTC 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 non-monetary relief
Consumer complaint received 2020-01-24
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid off my house before XXXX, XXXX with a cashier 's check through regular mail exactly as PNC Mortgage instructs in their payoff letter. In fact, PNC has a copy of my envelope proving that I mailed my payoff before XXXX. 

In XXXX, PNC deducted via EFT a mortgage payment for my house after it was paid off. When I called to find out why they did that, they said they didn't get my check, so I stopped that check with a {$30.00} fee and started all over with a subsequent amount from a subsequent PNC payoff statement that I mailed on XX/XX/XXXX. 

Then later in XXXX, PNC says that my first check arrived on XX/XX/XXXX. 
On XX/XX/XXXX, they sent a letter that my loan was paid off. 
On XX/XX/XXXX, they sent a letter that I owed {$29000.00} and that it should go to a P.O. Box instead of the street address that the previous payoffs had gone to. 

When I called to say that I didn't owe them anything, I got nowhere with the agent I spoke with. However, the first time I called in XXXX I had the presence of mind to get a full name and direct # of the person I spoke with. She knew that my loan was paid off, and that PNC 's records didn't indicate that. She gave me the impression that California doesn't talk to Ohio in this firm, which is PNC 's internal problem, not mine. 

My house was paid off in XXXX and it is now XX/XX/XXXX. I still have no lien release, nor my original note. I have no final statement from the lender showing my loan is paid in full. 

My suspicion is that this lender claims that payments to them are lost in the mail routinely, to falsely justify collecting extra mortgage payments at the end of the loan. If I had not gotten the name and number of a PNC employee who was sympathetic and knowledgeable in XXXX, I'm sure I would still be trying to make PNC believe that I have paid off my house twice now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
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:
XXXX, TRANSUNION  AND XXXX HAS ITEMS ON MY ACCOUNT THAT ARE NOT MINE/INACCURATE. 

ADDRESES : XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE PLEASE DELETE. 
XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE PLEASE DELETE. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX-NOT MINE PLEASE DELETE. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE PLEASE DELETE. 
XXXX  XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE PLEASE DELETE. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE PLEASE DELETE. 

NAMES : XXXX XXXX-NOT MINE PLEASE DELETE. 
XXXX XXXX-NOT MINE PLEASE DELETE.

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 2018-09-18
Company: RentDebt Automated Collections, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is an account from a place called RENTDEBT AUTOMATED COLLECTIONS ( ORIGINAL CREDITOR XXXX XXXX XXXX ) for an early lease termination opened XX/XX/16 for {$2500.00}. 
IT IS NOT MINE. I HAVE NEVER LIVED IN XXXX OR EVEN VISITED. I DO NOT HAVE ANY XXXX DRIVER LICENSE. 
I have contacted BOTH the original creditor and the collection agency to ask for proof that this is my debt necause it isnt. I have asked for copy of social security card and driver license used to apply and process the application. Neither company has this information. all they claim to have is an application in my name and social security #. Anyone can fill out an application with your info but that isnt proof that it is my debt. I want PROOF of the identification used to open this account and they dont have it. 
I am asking it to ve removed from collections and removed from my XXXX credit reporting agency and XXXX XXXX and XXXX credit reporting agencies. 
I HAVE NEVER LIVED IN XXXX AND HAVE LIVED AT MY SAME ADDRESS IN XXXX  FOR THE LAST 9 YEARS SO IT IS IMPOSSIBLE FOR THIS TO BE MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: WASHINGTON FEDERAL BANK
State: WA
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 had recently gottten my credit run and pulled by XXXX XXXX and XXXX XXXX XXXX. I was told I am not qualified to open an account due to what WASHINGTON FEDERAL BANK XXXX XXXX BANK had REPORTED to XXXX and to the credit companys. 

As soon I was notified of this information I knew it was incorrect and as I am a victim of Identity theft and I have gone through similar problems I knew that this was not me and I had Never banked with Washington Federal Bank or XXXX I have been with XXXX XXXX since 2004 and my home mortgage is also through them and I continued to stay with them. 

I had contacted Washington Federal Bank Immediately via phone and I received NO HELP at all in fact I was told an Attorney can contact them if I thought this was Fraudulent. I then went into the Bank at Washington Federal in XXXX WA ( new location ) and submitted all my documents which included ID Theft Affidavit, Police Report, Credit Freeze showing proof that my credit is on freeze and alert, Social Security Letter showing that I notified SSA, Federal Trade Commission Report and more. I was rejected again and again. 

I also went into XXXX and gave them all the documents, told them I never banked with them and someone is using my Identity. I was ignored and no one helped. 

I am XXXX XXXX XXXX XXXX ( XXXX ) for XXXX as a XXXX XXXX XXXX and my credit, my Identity and my value and worthiness is very important to me. I have had continues ID theft and its very hard for me to stop this without any help even after submitting countless amounts of documents. I am very tired of this and need Washington Federal Bank and also XXXX to please remove me off their XXXX and also notify XXXX that this is an error on their end.

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 2022-02-24
Company: Portland Credit Inc
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Untimely response
Consumer complaint received 2020-01-24
Company: ERC
State: MA
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 have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: General Motors Financial Company, Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
GM has filed a 30 past due notice to my report of an invoice of a end of lease charge that they say has yet to be generated by them. They admit that this is a mistake but has not made any attempt to correct this " error '' which by YOUR definition is a crime. This is false information put on my credit which by YOUR definition is illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2018 XXXX XXXX Sale {$1600.00} I was purchased XXXX $ of goods through a distributor. It turns out that the goods were counterfeit and basically I was scammed. I have contacted my bank multiple times through the phone, through fax, I sent a letter with a tracking number. I was told that they can not dispute the charge because it has been past 90 days. The reason why it went over 90 days, to begin with, is that of the banks ' negligence and rebilling me for the transaction. The representative filed a dispute with the wrong reason code. I am trying to get this error corrected but the bank refuses to work with me. They also closed my account over this issue because once I was rebilled I went over my credit limit and therefore they called me a liability for something that was never my fault to begin with. My credit score took a major hit because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that  were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2018-07-17
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX synchrony debt of XXXX was paid on XX/XX/18. not only is thisdebt on my credit reports it is being reported as charged off and or dilinquent. i want this item removed off all credit reports

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 2018-09-18
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Santander is ripping me off, I never dreamed I could pay triple for a car but that's exactly what I am doing!! I am a disabled person and I don't get a whole lot to live on, my sons father is on the loan with me because he has more income than me. I got in a tough spot when he lost his job. I got behind and tried making arrangements with the company and they said we had an extension, so we thought everything was fine until our car was repossessed. I put down almost XXXX for the car to begin with, and I had enough money at the time to pay it off, it was only XXXX, but XXXX dealership talked me into financing because it was close to XXXX XXXX, and I have XXXX boys. At any rate not only were we screwed over by XXXX of XXXX, we are also being XXXX by santander. Our percentage rate is already outrageous, we get charged late fees daily and finance charges added to that. I also got charged from santander for my toll bill when they repossessed it. I wasn't allowed to pay the toll company myself, the amount was added to my principal and I pay finance charges on that bill as well. I don't know legally how they are getting by with it. This whole company should be shut down and put behind bars. This is incredible!! I have already paid my loan off but all I paid has only gone to late fees and extra finance charges!! I wish I could sue the XXXX out of these people for mental anguish! I am already XXXX, they shouldn't be allowed to do this to people!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: NATIONSTAR MORTGAGE LLC
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Had mortgage with XXXX had the loan modify the loan it was raise and extended to ten year the payment was set at {$720.00} a month made payment on time the contract was turn over to XXXX XXXX XXXX this is where everything change. I complaint my payment went up as much as {$890.00} for three month drop down to {$850.00} inquire about dropping the PMI receive paper on escrow nothing concerning PMI next letter the payment was turn over to Nationstar which sent a notice for my XXXX payment that for {$3000.00} I ca n't pay that sent my regular payment but my next notice was for {$1.00}. Do n't understand XXXX mortgage within eight years When I purchase this house it was with a contact the have change everything concerning my contact.

Company response to consumer: Closed with explanation