BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
ID THEFT FTC case XXXX & XXXX data breach. Unable to conect by phone on XX/XX/2020 I emailed XXXX REQUESTING XXXX ACCESS TO NO AVAIL. XX/XX/2020 XXXX  emailed me my dispute was completed to go on line for results. My complaint is that XXXX  is NOT ACCESSIBLE TO ME WITH MY SEVERE XXXX XXXX. My XXXX can not press the exact right spot to NOT BE A ROBOT. SO CALL ME A ROBOT! I am unable to set up password also. NO XXXX SCREENREADER OR VERBAL SPEAK PROMPS WHEN OUTSIDE APP NO SET UP ACCESS. Password requires a special sign, upper case, lower case, number MY HANDS CAN NOT DO THIS PHYSICALLY. ( XXXX  IS NOT ADA ACCESSIBLE. ) I am a victim FTC case  XXXXof Ideninty Theft XXXX XXXX year old Targeted Consumer with NO ACCESS AND I AM DENIED WHAT THE REST OF THE WORLD IS PROVIDED DUE TO MY XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX and the credit bureaus have incorrectly reported a debt on my credit report. They are being dishonest by saying my last payment was in XX/XX/XXXX. I bet they can not give you anything that shows where I made a payment back then! Nothing could be further from the truth. Because there is no longer a delinquency, the debt should have been removed in 7 years and it shows as a charge-off and they have not removed the old trade line and they should have. The reason they are making things look this way, is so that they can make this look like a recent debt so that it can stay on my credit report to continue ruining my credit for years to come. They did remove the late payments. However, they are also saying that I closed the account on XX/XX/XXXX, which is also another thing that is untrue and dishonest about the way that they are reporting this on my credit report. I never called in to have the account closed. Again, anything they can do to keep an old debt reporting and to keep it there longer that it should be. This debt is supposed to be wiped clean after 7 years. We are into the 10th year, and, they are still continuing to report it inaccurately and they think that I won't notice. Nothing should show past due on the account either because the whole trade line should not be there to begin with. Yet, it shows that I owe {$5300.00}. I don't owe anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-19
Company: MIDCOUNTRY FINANCIAL CORP
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Took out a 60 month loan with XXXX XXXX XXXX  for {$11000.00} at 19.99 % on XX/XX/2013. 

Total Payoff with interest would be {$18000.00}. 

We made 46 payments totaling {$17000.00} Went to make final payment and noticed several recent late fees on top of what should be a {$200.00} balance, company claims that we owe {$590.00}. 

I have spoke with several supervisors and managers with no resolution. 

I have sent all payment history to them as well. With no dispute over the amounts or dates!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: AES/PHEAA
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: Account status incorrect

Complaint:
AES - Cosigner for daughter 's Private Student Loans During the summer of XXXX, my daughter requested and was approved for an MGRS - modified payment arrangements on her student loans cosigned by myself and her father. 

Although approved in writing, the monthly payment amounts were not reflecting the agreed-upon amounts. We were concerned as we understand the impact of late Student loan payments. 

After many calls to AES and many promises to fix the problem, it was finally discovered by a Supervisor they had made an error. My daughter was never eligible for an MGRS to begin with, which was the root cause of the agreed-upon payment amounts not being reflected on our statements. 

By the time the error had been discovered, 26 of her student loans were reported to the credit reporting agencies and impacted both her credit score and mine for months XXXX, XXXX, and XX/XX/XXXX. 

The loans were all brought to current and it was recommended by an AES Supervisor to send a credit dispute form to request the 26 late payments be removed from our credit report. 

This was done XX/XX/XXXX, and a response was received stating in part " ... Based on this review we sent corrected information to the consumer reporting agencies to which the information was previously reported for the loans listed .... ''. 

We thought great, they have done a good job correcting an error they had made. It was not until I pulled my annual free credit report in XX/XX/XXXX, did I discover what they really did. Instead of removing the late payments as we thought, they only put a comment on each of the late payments of " Consumer disputes after resolution '' on our credit reports. This fixed nothing at all so, I sent yet another letter in XXXX XXXX..Their response was they are not going to do anything further with the issue. 

AESs errors have severely impacted our credit ratings negatively and they are not willing to remove our late payments for XXXX, XXXX, XX/XX/XXXX for the 26 student loans. 

Please, anything your organization can do to help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: EQUIFAX, INC.
State: IL
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've tried to correct the fraud in my name with this collection agency numerous times and they continue to insist that it's owned by me. When I ask them to provide proof of my signature and or photos of the ID or driver licence used for each individual charge, they've have not done so. These are not my account. These accounts were used fraudulently. Both XXXX  and XXXX  have removed them from my credit report after XXXX XXXX XXXX provided no proof. However, XXXX has allowed them to just said that they've verified the fraud account without showing any proof. Please help me with this matter. The bills total {$100.00} and {$82.00}. Unfortunately, I don't know what date these accounts were used or made.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I reviewed my credit report and notice that in my XXXX account number XXXX was past due 30 days in XX/XX/2017, i believe i always made the payments on time, most likely the monthly statement did not get to me on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have been trying to resolve unauthorized use on my account which occurred in 2018 XXXX with Chase Bank which resulted in my funds been stolen although they have resolved some of the disputes and paid out the claim I am trying to resolve the balance of the claim but cant do so as I cant get access to my closing bank statement. I was told that once the first claim was paid I could proceed with the next one, the issue is I don't have access to a statement to continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I should have had counseling to ensure i could repay a loan higher than that secured by homeowners for mortgages and with higher interest rates. 
i should not have had my payment triple in one year under IBR when my salary did not.

i should not have been approved for loans amounting to 100 times my yearly salary.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This is a complaint against Freedom Mortgage for unfair, inhuman, predatory business practices. 
I have a mortgage account with Freedom Mortgage, loan number XXXX. I have always been paying my mortgage well in advance. I have already paid my mortgage for XXXX and on XXXX XXXX I have decided to pay another {$8000.00} for XXXX, XXXX and partial XXXX XXXX see attached ). The {$8000.00} was transferred from my XXXX XXXX account on Monday, XXXX XXXX to Freedom Mortgage. 2 days later, on Wednesday XXXX XXXX, Freedom Mortgage tried to withdraw another {$8000.00} from my checking account making my account to be overdrawn. I have called Freedom Mortgage customer service and asked them stop trying to withdraw another {$8000.00} from my XXXX checking account as I have already paid the {$8000.00} I wanted to pay for XXXX, XXXX and partial XXXX. The Freedom Mortgage customer service representative assured me that I shouldnt worry, they are not going to try to withdraw the {$8000.00} again from my account, which I believed and left the matter. But on Friday, XXXX XXXX, when my salary came into my checking account, Freedom Mortgage did another withdrawal of {$8000.00} from my checking account, taking all my salary and living me with {$0.00} on my checking account. I have immediately called Freedom Mortgage, spoke with XXXX XXXX manager, who told me that the only way they can refund me {$8000.00} if I send an official proof of payment from XXXX printed on a letter headed paper. XXXX branches open at XXXX, so that morning ( XXXX XXXX ) I have immediately went to a XXXX branch in XXXX XXXX, spoke with Assistant Branch Manager XXXX XXXX, and asked for help. He told me that they usually dont issue such proof of payments, but he was kind enough to call Freedom Mortgage to sort out the problem. Freedom Mortgage kept him on the line for 2 hours, from XXXX XXXX till XXXX XXXX, after which he prepared me the proof of payment on letter headed paper Freedom Mortgage requested ( see attached ). From the branch I headed to my office to scan and email and fax this proof of payment to Freedom Mortgage, XXXX XXXX. Later that day, XXXX XXXX sent me an email claiming that Freedom Mortgage has refunded the {$8000.00} but until today, Saturday, XXXX XXXX, the money is not yet on my account. 
Freedom Mortgage has caused serious hardship to me and my family by taking all our money from our checking account and leaving us with nothing. We did not owe Freedom Mortgage, has always paid our mortgage in advance, so this was an act of unfair, inhuman and predatory business practice on behalf of Freedom Mortgage.  Kindly investigate this matter and take appropriate actions.

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 2021-05-04
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have sent numerous certified letters to All 3 bureaus and never received a response via mail. One certified letter I sent was over 45 days until I had to call. It was about 4 accounts I asked them to validate and I never heard back from them. They stated it was verified almost 60 days when I called to follow up. But they never sent me what I requested. They have no actual evidence that those accounts are mine. 2 of them are actually hippa violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: AMCOL Systems, Inc.
State: TX
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 have reached out to this company with no resolution, this account does not belong to me it is also reporting a address I have never lived at.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Experian Information Solutions 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:
i am a victim of identity theft, the information that i have right now posted on my credit report is not correct. 
i need to fix this information cause i think somebody use my information to do froud actions, pursuant to section 605b of the faircredit reporting act and i send all the inf required.

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 2020-05-28
Company: AMERISAVE MORTGAGE CORPORATION
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Amerisave : NMLS ID XXXX : Loan Originator : XXXX XXXX XXXX ID XXXX Predatory lending : the loan originator quickly received all information and documentation XX/XX/XXXX and processed an {$500.00}. application fee which I was told by XXXX would be returned to me. Disclosures were provided with inaccurate information which despite numerous attempts ( 6+ ) to have corrected XXXX would not respond to requests. 

Fraudulently re-dated and resubmitted documentation to make it look like documents were outstanding ( Appraisal which as completed on XX/XX/XXXX and then re-dated for XX/XX/XXXX ). Made changes to my homeowners insurance without proper authorization. When questioned he still did not respond. only when a loan processor named XXXX XXXX was involved was I provided with an updated disclosure with more inaccurate information and inflated closing costs and fees without reasoning, then making my monthly payment larger than it currently is. 

When i requested my application be immediately withdrawn because these were not terms which were agreed upon, I was told it would be closed " as soon as they could ' I then received a notice of credit denial stating I was denied for not completing application documents which is not truthful. The termination paperwork should be identified as closed at borrowers request. They did this intentionally to deter future possible lenders. I requested this be corrected 2x and have once again been ignored. 
They have intentionally damaged my credit by multiple had inquires/dragging out the loan process. 

Amerisave does not allow direct customer service contact. emails to XXXX XXXX XXXX go unanswered. Phone calls go to a generic voicemail and do not get returned, or routed directly to the loan originator ( XXXX ) who refuses to correspond or address these issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-16
Company: ROBINHOOD MARKETS INC.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
On XX/XX/XXXX at roughly XXXX XXXX, i was at a gas station attempting to put fuel in my car. I had opened up my robinhood account to verify i had available funds and i noticed a banner at the top stating that my account was restricted and my funds were locked, no more deposits or withdrawals were allowed and that my account has been closed. I had made a significant amount of trades the pevious 3 days and used the card with no issues. This has been my bank for direct deposits, paying bills, buying groceries and anything else. The only responses i get when reaching out to customer support is " we have decided to close your account ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I participated in the HSBC account opening rewards last year. ( Open a checking account, and then meet the direct deposit of {$500.00} for three consecutive months, and I can receive {$200.00} in account opening rewards within 8 weeks after completing the task ), I am the first I contacted HSBC 's online customer service this time, and he told me that I had successfully completed the task, but the bonus payment needed to wait. About 2 months or so, I contacted HSBC again. The customer service told me that the task was completed. The {$200.00} bonus will be issued on XX/XX/XXXX. Two days ago, I contacted the customer service again to confirm whether the bonus can be received on XX/XX/XXXX. The customer service answered me that I am not eligible to receive the bonus and I am not eligible for the event.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was overdrawn on my checking I paid the fee and amount when I received my Stymulus payment, Then I received my XXXX payment a few Days later, I received an Email from The Bank saying a I received a credit for the exact amount of the overdrawn amount plus the fee.They said they would inform me when they would deduct the amount. My Bank statement shows what I paid then it has the credit they so called gave me, why would they say they gave me a credit if I didn't need it Funds where already there. It's another way to take money that's not owed from me its just.an illusion but on paper. 
This is very alarming due to this Situation of this Pandemic. I am XXXX and rely on my XXXX for survival.

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 2023-07-27
Company: Credit Karma, LLC
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Account was frozen for no reason and now for about 2 weeks I have been getting the run around and no access to my funds, all documents have been submitted to Credit Karma, but they continue to keep my money XXXX while they receive interest off of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: Healthcare Collections-I, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have recently checked my credit report over the last few months after years of never trying to get credit nor looking at my credit report. I was awarded XXXX in XXXX and they back dated it as XXXX as of XX/XX/XXXX and I was covered under Medicare ( Primary ) and Medicaid ( Secondary ) as my Health Insurance. I have 2 separate Collections from Healthcare Collections, XXXX, AZ both which are approximately 6 yrs. old. I have never received any communication neither by phone or letter. I called them XXXX, XXXX and after being put on hold trying to even locate these accounts, I was told that this is was reported to them by XXXX XXXX XXXX . During the conversation I was never asked for an address or phone number to provide me with information on the accounts that are on my trade line on my credit report. 
1st collections account says opened XX/XX/XXXX for the amount of {$240.00}. 
2nd collections account says opened 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 explanation
Consumer complaint received 2020-12-11
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX XXXX XXXX Had request debt verification from LVNV FUNDING LLC in regards a Debt showing in my credit report Original creditor : XXXX XXXX XXXX XXXX {$420.00} I did not received enough information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: EQUIFAX, 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:
I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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

Company response to consumer: Closed with non-monetary relief