BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Date of transaction XX/XX/2019 Complaint against USAA Went to get an auto insurance quote. USAA has membership qualifications for military. I went through their qualifications list and was informed I did qualify as a child of a veteran. At no time was there anything that said I was not qualified or would not qualify and I was given a membership number. I had to apply for membership, qualify, fill out all sorts of information, including my social security number and my father 's social security number. After all of this online membership application, plus account set up, I was then redirected to XXXX XXXX car insurance for a quote! The site did not say I wasn't qualified for USAA auto insurance,  just keep redirecting me to the point I thought my browser was hijacked! I called, wasted even more of my time to be asked all sorts of financial and personal information questions and then told " I was not qualified '' for a USAA membership! This is fraud. I am sorry, they get you to sign up, claim you are qualified all to get your contact information and social security number. USAA needs to be stopped. That's just outrageous fraud to obtain someone's social security number plus redirect them to some auto insurance company for assuredly kick back on sales leads.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03
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: Account status incorrect

Complaint:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

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 2019-05-15
Company: Experian Information Solutions Inc.
State: NY
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:
Incorrect information showing

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 2019-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
There are several accounts reporting on my credit file that is reporting either in error or as a result of identity theft. Please assist me in getting the following accounts removed from my credit file : XXXX XXXX XXXX - {$5400.00} XXXX XXXX - {$0.00} XXXX XXXX XXXX - {$140.00}

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 2019-05-15
Company: SYNCHRONY FINANCIAL
State: CO
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:
Inquiry is from XX/XX/2018 National Credit cards/AIRLINES SYNCB XXXX FLORIDA XXXX I DO NOT HAVE AN AMOUNT THOUGH

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 2019-07-03
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: Account status incorrect

Complaint:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

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 2017-12-08
Company: United Resource Systems, Inc
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Was recently served by XXXX XXXX XXXX group representing united resource systems. They violated the fdcpa by not sending me any inital letter to dispute account. I disputed the account from day one with the original creditor. Also when i noticed the account on my credit reports i disputed the account which was then removed from 2 of my reports due to failure to verify. Even then united resource systems did not send anything violating the fair credit reporting act. Also they are trying to collect after the statue of limitations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: AES/PHEAA
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: Account status incorrect

Complaint:
I have contacted Fed Loan Servicing for the past several years regarding late payments showing on my account from XXXX and XXXX of 2017. I applied for a hardship forbearance like I have in many years past for the 2 months in question in XXXX of 2017. I called on several occasions and was told that it was being processed. I was eligible for this forbearance because I was going through a temporary financial hardship at this time. I was told at one point that I completed the wrong type of hardship and had to do another. In the meantime, I had no idea I was being reported as late. This was my first and only time being reported late to the credit bureaus. I called to dispute and was asked to submit a formal dispute which did not turn out in my favor. My hardship was ultimately processed, but I was still reported as late. I am asking that my credit report be updated to show that the payments were in forbearance as discussed with a representative during that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Its about receiving my monthly statements, they stop sending me my monthly statements XX/XX/2018 and they are saying the reason why is because i file for bankruptcy its been ten years ago so if that was the reason why did they send me statements all the way up to XX/XX/2018 I need a better answer then that i have file for bankruptcy so if thats the case then they are legally wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
People are having difficulty freezing their credit with transunion. They are currently pushing to purchase their own credit monitoring service before you freeze your 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 2019-05-15
Company: EOS Holdings, Inc.
State: NY
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 accounts were added to my credit report fraudulently and I've never given consent to even run my credit. I need these accounts removed immediately. 

1 ) XXXX XXXX ( XXXX XXXX ) {$1100.00} 2 ) XXXX XXXX XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: American Coradius International LLC
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: Account status incorrect

Complaint:
XXXX submitted my account due to non payment to a collections agency American Coradius International LLC which we came to an agreement to settle in full with {$360.00} paid in XX/XX/2019 and still has not been removed from credit report. I have called XXXX and they tell me account has been sold to collections agency and that they have not received anything from collections agency were I paid I called the collections agency and they say they sent XXXX a XXXX balance letter 10 days after I made payment and that since payment was received they have closed account and nothing to be done in their end. 

I even submitted XXXX balance letter from collections agency to XXXX and up till today no one has contacted me. 

I am getting the runaround with the collection agency as well as XXXX and I have taken care of this account almost 4 months ago. 

Please help I am trying to do the closing in my house and this is the only thing stopping me from

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: CITIBANK, N.A.
State: CA
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 bought a " XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' at {$170.00} on XX/XX/2019 and found a lower price later. I filed a price rewind claim on XX/XX/2019 to Citi, which is on of the card benefit. 
However, my claim was denied because the product is defined as " consumable. '' I believe the decision was incorrect due to the following two reason : 1 this product not only include bulb but more importantly the smart home system, which is definitely consumable and 2. The XXXX XXXX bulbs has XXXX hours lifetime which lives longer than most of the products. I don't think they fall into " consumable. '' category. 
I tried to reach for help with XXXX customer service, but it seemed no way to do that.

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 2018-01-26
Company: Dynamic Recovery Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated phone calls at home and work, for a debt that I do not owe. Threatening to sue me. I have researched this company, and they have numerous complaints from other people. I believe this company is committing fraud and should be investigated. I am demanding that they cease all attempts to contact me, or else I may have to pursure legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
XXXX/XXXX Inquiry Date : XX/XX/XXXX Clothing Store i have never applied at this store for credit and they put a inquiry on my XXXX report. 

XXXX XXXX XXXXXXXX inquiry date : XX/XX/XXXX bank credit cards i have n't applied for XXXX XXXX XXXX credit cards they put inquiry on my XXXX report. 

XXXX XXXX XXXX : inquiry dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,  Capital One put 5 different inquiries on 5 different dates on all of my 3 credit burues i have never authorize any of this inquires i have been a victim of fraud before thats why i have so many inquires that does n't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: Paypal Holdings, Inc
State: NJ
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:
I purchased a product that was advertised on XXXX. It showed a hand held battery operated hand drill to dig holes to plant flowers or vegetables. When I received it there was only this small drill bit in the package. It was from XXXX. I contacted PayPal to ask for a refund. They sent me information to mail the merchandise back to XXXX with electronic tracking. There is no electronic shipping out of the country for less than {$60.00}. The product was {$30.00}. Since sending it back is not an option I feel my only option is to place a complaint since PayPal won't return my money. I should be protected against scammers. The company misrepresented the product. PayPal should be responsible to their clients. I was set to send it before the XXXX of XXXX like requested but needing the electronic tracking finding out that it isnt even feasible to spend {$30.00} extra dollars to get {$30.00} back is ludicrous. I want my money refunded. The company who misrepresented their product is : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, No. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Originally, my secured and unsecured loans were with Sallie Mae, who I'm guessing sold to Navient. Navient wanted {$900.00} a month and I couldn't pay that amount monthly. They suggested I try the Income Driven repayment plan I have been on that plan for a few years. My monthly payments change every year but what's not happening is the balance isn't going down but up. I have called asking why I can't have a lower monthly payment that doesn't go up until I pay off my loans and never get a straight answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: HW Holding, Inc
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Robo calls with no information. Don't owe anyone. 
Think it is a scam. 
Caller ID says Hunter Warfield XXXX and XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on a mortgage XXXX of 2018 with XXXX XXXXXXXX and in XX/XX/2018 the servicing changed to a company named PHH Morgage Services that was collecting on behalf of XXXX XXXX XXXX. I had been sending my payments to the initial mortgage company because I did not receive the notice of serving change until XXXX. I contacted the company to try and get it resolved and they refused to fix the two late payments that are reporting on the credit report. My payments were being auto drafted so I would have thought I would be much better having them taken automatically. Had I received the notice prior to the payment due dates I would have sent the payments to the appropriate company. It is not reasonable to think someone can guess what the other companies are doing when there is no notification. Again the paperwork I have attached was not received until the following year!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: Synovus Bank
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 decided I wanted to try and purchase a house at the beginning of XXXX so I pulled my credit reports. I have a XXXX XXXX credit card that is open and in good standing today. What I found upon pulling my credit report around XX/XX/XXXX was that there was another XXXX XXXX XXXX opened in my name around XX/XX/XXXX that does not belong to me. I submitted a letter to XXXX XXXX to let them know that the card that was opened, was opened without my authorization and does not belong to me. I did not receive a response to my letter sent. I then called XXXX XXXX around the end ofXX/XX/XXXX directly and they confirmed that I do have a current account in good standing and notified me that the account that did not belong to me would be removed immediately as it was issued without my consent or authorization to whatever unidentified party. XXXX XXXX has yet to remove this account from my credit report. It is hurting my credit profile and makes me look like someone who doesn't fulfill their obligations when it comes to extending credit. Please help me get this information removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
There were two issues that occurred with GM Financial. I have been in contact with a customer service representative on multiple occasions without being able to come to an agreement on this matter. To summarize, GM Financial arbitrarily changed the terms in my signed lease contract and increased the monthly payment more than what was agreed to, and subsequently did not notify me of the changes in payment terms. Please see below for more details. 

First, per the signed lease, I agreed to pay {$460.00} on XX/XX/XXXX, followed by 35 monthly payments of {$460.00} due by the XXXX of each month. GM Financial has been billing me over the agreed amount, {$460.00} since XX/XX/XXXX. Due to this, the balance of my account has been increasing by {$6.00} every month since XX/XX/XXXX. This is because I have been auto-paying the agreed to monthly payment of {$460.00}, while GM Financial has been charging me over the agreed to monthly payment. Please note I have not agreed to any changes in the terms. Since XX/XX/XXXX I have accumulated a {$32.00} on top of my monthly payment. This balance will continue to grow each month. Unfortunately, If I were to pay the increased payment and the back due balance, I would be put under financial stress. Additionally, this change would cost me a total of around {$160.00} more than what I expected to pay for my lease over the life of the lease. 

Second, GM Financial did not notify me that they were changing the terms or the monthly payment amount, resulting in my account balance going up due to the difference between my scheduled payments vs. the increased monthly payment. I found out about the change only when I went to update my mailing address on the customer portal ( GMFinancial.com ) on XX/XX/XXXX. Please note GM Financial changed the payment terms in XX/XX/XXXX. This has resulted in {$32.00} in underpayments according to GM Financial as of XX/XX/XXXX. Due to the arbitrary change in terms and payment amount, and the lack of communication of these changes, I would have to pay {$32.00} on top of my increased payment to balance my account. Had I not noticed that GM Financial had changed the terms until the end of the lease, I would have had to either dispute the balance or settle the account. This would have created a financial hardship. Had GM Financial notified me of the changes up front, I could have responded appropriately at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: DISCOVER BANK
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX, I disputed {$240.00} illegally charged without my consent for title and tags on a used vehicle I purchased. On XX/XX/XXXX, Discover rejected my dispute based solely on a signed receipt from the dealership. Accordingly, I faxed a more detailed letter with affirmed facts demonstrating clear and convincing fraud in the inducement as well as fraud in the factum. Discover refused to consider this additional information. Moreover, I have the right to an appeal to the dispute panel under the terms of my credit card but Discover is illegally stonewalling my attempt to continue the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
In XXXX, Santander Consumer USA Inc. lost my payoff check, which per the policy of the bank I made the cashiers check from, I had to wait 90 days for the funds to be returned to my account so I could make another check. During those 90 days, I made two monthly payments to protect my credit : one payment of {$450.00} onXX/XX/2019 and another payment of {$450.00} on XX/XX/2019. During this time period, I was assured my new payoff check would be back dated and both of those payments would be returned to me, in addition to reimbursement for sending the replacement check. My new payoff check was sent on XX/XX/XXXX and received on XX/XX/XXXX. On XX/XX/XXXX, I received a call from the Executive Office of Santander telling me my title has been mailed to me and overages will be sent to me on XX/XX/XXXX. I was driving during this phone call, so I was unable to verify the amount of the overages, but I told the representative that it was not correct, and was less than the amount I paid. She assured me that I would be able to call back if I had more questions. I have called their only phone number many times and the number won't let me past the bot that asks for my account number or social security number. I have entered both and it says I don't have an account with Santander. I have still not received my car title and I have not received my overages either, so there is no reason for my account to not exist. I can not talk to any representative of Santander because of this. I have two emails of Santander Executive Office employees, and I have received no reply for my request to speak to anyone at Santander regarding this problem.

Company response to consumer: Closed with explanation