BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I am a cosigner on a loan with my son at USAA. The loan was for a {$67000.00} signature loan taken out in XX/XX/XXXX. At all times during this loan, payments were always made on time. 

On XX/XX/XXXX, my son ( one of the applicants on the loan ) filed for bankruptcy. However, my ex wife and myself did not ( co-applicants on the account ). So according to the loan agreement, I am still responsible for the payment of this loan. I did not file for bankruptcy. After the bankruptcy was filed, USAA charged the account off and reported the account as a charge off to my credit report. This action dropped my credit score over 150 points. At the time this loan was charged off, the account was current. It is also noteworthy to mention that USAA took a payment on XX/XX/XXXX and subsequently returned it to my son. USAA never notified me that one of the applicants filed for bankruptcy and they never gave me an opportunity to make payments on the loan. 

USAA is damaging my credit report by reporting this account as charged off. They charged the account off while it was current. Furthermore, a bankruptcy filing by one of the three applicants on the loan should not negatively affect the credit of the other two non-filing applicants, especially when payments have been made on time.

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 2020-02-12
Company: Colony Brands, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
my x wife has opened multiple fraudulent accounts in my name. she has opened an account at ginny 's mail order and as such a collection account has been placed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: Tormey Bewley Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed an invalid negative entry on my credit report from XXXX XXXX ( XXXX XXXX ) for a delinquency/charge off collection for a medical bill in the amount of {$270.00} from 3 years and 3 months ago ( XXXX ). 

The original creditors name was allegedly XXXX XXXX XXXX XXXX, whom initially reported an amount of {$170.00} that I was supposed to had owed. 

I heard of, never visited this so called laboratory, never used their medical services and never even been to any laboratory or hospital by this name.

Basically, my information was fraudulently used by someone to retain medical services in my name. I am 100 % sure and confident that this medical creditor doesn't have my any copies of my actual ID, or correct signatures on any of their documents or invoices that they supposingly have in my name. 

I tried to file a dispute with XXXX XXXX for this negative and invalid entry back in XX/XX/XXXXbut I never received a follow up or noticed any action was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01
Company: EQUIFAX, INC.
State: IL
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 saw numerous inquiries on my report that were considered hard hits by companies I do not recognize. 


XXXX XXXX, 2016 by XXXX XXXX XXXX, 2106 by XXXX XXXX XXXX XXXX XXXX XXXX, 2016 by XXXX XXXX XXXX XXXX, 2016 by XXXX XXXX XXXX XXXX, 2016 by XXXX XXXX for credit cards and airlines

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: Capital Accounts, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I do not owe this debt. I contacted this XXXX months ago to dispute the charges because they falsely agreed to accept my insurance, they then contacted my attorney trying to get us to sign a form to agree to pay any amount they charged which would then be paid if I ever received a settlement for the injury. In addition, I was grossly misdiagnosed as having a severe medical issue when in fact I did not. This XXXX  was completely unethical. I disputed the charges with the office and they then turned them over to a collection agency. Capital Accounts began calling me on XX/XX/XXXX. I explained the situation to them on the first call and asked them not to contact me again and to turn into my credit where I would dispute it. I received calls again on XX/XX/XXXX and XX/XX/XXXX and both times a male collector rudely yelled at me on the phone telling me I had to pay it and threatening to turn it in on my credit. I told them by law they were not to harass me ever again and I wanted no further contact. They continue to call each day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
there are several inconsistent errors on my report that needs to be corrected and the agencies have not corrected those errors

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 2019-05-24
Company: AMA Advisors, LLC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Incorrect reporting on all three credit bureaus. Creditor, HomeBridge mortgage reporting a 30 day late XXXX of 2018, this is incorrect. Sending a copy of the mortgage statement. I have been working with a credit repair company for two months with this problem, it still exists on all three credit reports. 

This incorrect reporting is stopping me from a refinance of my present mortgage.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-20
Company: Ability Recovery Services, LLC
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a consumer and natural person, Ability Recovery Service has violated my rights. Ability Recovery Service has failed to provide me, the appropriate documents requested to validate the alleged debt of {$2900.00}.

Ability Recovery Service has invaded my rights to privacy by having my personal information.

Ability Recovery Service did not have my written consent or permission to contact me or have my information. 
I, XXXX XXXX, the consumer and natural person has been violated of my rights, according to 15 usc 1692.

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 2019-05-24
Company: Bread Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX called regarding debt that is not mine. I have asked repeatedly to not be called. Number shows up with no caller id. XXXX XXXX  called at XXXX on XX/XX/XXXX phone number XXXX-XXXX-XXXX Ext XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My complaint is with Wells Fargo Bank # XXXX in XXXX XXXX, Texas. I have been battling this since XX/XX/XXXX when Wells Fargo let someone clean out my savings account while i was XXXX  XX/XX/XXXX thru XX/XX/XXXX. I went into the branch nearest me and filed a claim. The employee that recorded my claim had the details halfway correct. The claim should have been for {$1300.00}, but the teller made it for {$300.00} in which it was denied because the bank sent the thieves a replacement debit card and they used it to withdrawal money. So, a year later and I still have n't gotten my money back. And the kicker is I even have a police report on my identity being used.

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 2020-02-13
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX my debit card was stolen from me and used to withdraw {$6200.00}. First they made an {$80.00} purchase from 'XXXX XXXX ' ( Address : XXXX XXXX XXXX XXXX XXXX LA ) at XXXX. Then {$4000.00} was transferred from my savings into my checking via a XXXX Transfer at XXXX. Next, they used a Chase ATM ( address XXXX XXXX XXXX XXXX XXXX XXXX, LA ) to withdraw {$600.00} at XXXX. Then at XXXX they went to a different Chase ATM ( Address XXXX XXXX XXXX XXXX XXXX XXXX , LA ) and made 3 separate {$1000.00} withdraws. They then went to the USPS located at XXXX XXXX XXXX XXXX XXXX LA and purchased {$2300.00} in money orders. Finally a {$160.00} purchase was made at a XXXX  located at XXXX XXXX XXXX XXXX at XXXX and the last charge was for {$48.00} at XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX LA . 

I reported the fraud to Chase bank within 8 hours of when the fraudulent charges occurred. Initially, Chase credited me the amount stolen and said they would investigate my claim. However, on XX/XX/XXXX I received a letter from Chase stating that they believed the charges were legitimate because the withdraws were made using my correct PIN number. I do not know how the criminals obtained my pin number but I do know that I did NOT give my PIN to anyone and did NOT authorize these charges. I submitted an appeal with Chase on the XXXX but received word on the XXXX that Chase once again deemed the charges legitimate. I called Chase and was once again told that they would review the case but on XX/XX/11 after not hearing anything for 10 business days I called Chase 's fraud department and was told that my claim was still denied. Chase would not give me ANY explanation other than the fact that the withdraws were made using my correct PIN # so they deem the charges legitimate.

I am incredibly frustrated for three reasons : 1 ) Chase continues to deny my legitimate fraud claim 2 ) Chase won't provide me any information on their investigation oth
er than the fact the correct PIN was used for the disputed transactions 3 ) The fact that these criminals were able to drain nearly every dollar I had in a matter of hours without a SINGLE fraud alert from Chase bank. I've never withdrawn more than {$1000.00} from my account at one time but Chase saw nothing wrong with $ XXXX being taken out within a few hours

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I took out a credit card from Capital One several years ago after experiencing a XXXX illness which left me XXXX XXXX. My current interest rate under this credit card is 25.90 %. While I understand that my credit rating is not stellar, I always pay much more than the minimum balance each month to Capital One. I also have a car loan through Capital One which also has a much higher annual percentage interest rate. I realized after the XXXX illness that I would need to rebuild my credit after my inability to pay for my monthly medications under XXXX. XXXX has a {$3700.00} out of pocket expense on Tier One medications. 
Once I reach the {$3700.00} out of pocket expense, I go into the Medication Coverage Gap which means I then have to pay ANOTHER {$4700.00} out of pocket for medications. As I am a XXXX XXXX XXXX, I require about a dozen different medications. When I am in the XXXX Coverage Gap,  XXXX raises their out of pocket expense on XXXX and other life saving medications. I pay the highest premium under the XXXX Part D program for medications through XXXX. 
I was informed this past year by a XXXX representative that it did not matter HOW MUCH I PAY for the XXXX Part D premium, EVERYONE under XXXX, ( one of only 3 XXXX Advantage Plans in XXXX Wisconsin where I live ) pays the out of pocket XXXX Coverage Gap of {$4700.00} out of pocket expense for life saving medications. I would like the CFPB to investigate both Capital One on both my credit card and auto loan interest rates as well as XXXX and what I feel is XXXX fraud under the XXXX Part D program. In addition to the XXXX Part D program for medications, I also pay an annual premium for XXXX Part D of approximately {$130.00} per month PLUS 20 % of any / all XXXX Part B services. Again, XXXX does not pay the full 20 %, thus MORE OUT OF POCKET EXPENSES!!! With a limited fixed income, there is no possible way for me to pay for the high interest rates under Capital One for a credit card and an automobile loan in order to have a reliable mode of transportation in XXXX Wisconsin which has VERY FEW options for medical or non-medical transportation. Thus, the need for one credit card and one reliable vehicle paid for at 25.9 % apr/interest rate. I feel as a XXXX person, I am being discriminated against by both Capital One and XXXX, XXXX Advantage Plan. PLEASE HELP ME!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: EQUIFAX, INC.
State: SC
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:
there are several inconsistent errors on my report that needs to be corrected and the agencies have not corrected those errors

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I use XXXX XXXX, which helps me get some money from my next paycheck as I earn it because bills do n't necessarily fall perfectly around my pay schedule. I live paycheck to paycheck as it is. But PNC bank barely reports my account information on a weekly basis. They 're supposed to do it as requested, and I 've authorized them a bunch of times already. They do this with the bill paying app I use, too. This causes my balances to be always wrong and throws off everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
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: Account information incorrect

Complaint:
I am on forbearance with XXXX XXXX until XX/XX/2021, they sold my mortgage to another lender and reported my account as delinquent on XX/XX/XXXX which is totally false! I contacted XXXX XXXX and they stated that they were diligently working on the error. My credit score has dropped more than 20 points and the issue has yet to be resolved.

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 2021-09-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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 am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-13
Company: TD BANK US HOLDING COMPANY
State: DE
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 car sales ran my credit 3 times, i only authorized them to run my credit one time. i spoke to the credit manager XXXX at XXXX car sales in at XXXX XXXX XXXX, XXXX XXXX, NY XXXX, XXXX XXXX XXXX several time and told him only to run my credit one time. 
He ran my credit 3 times. 2 times with XXXX for TD AUTO FINANCE, on XX/XX/2019 and XX/XX/2019. XXXX told me thereafter that XXXX XXXX HAD DECLINED THE LOAN, HE SPOKE UNTRUTH. 
TD AUTO FINANCE TOLD ME BOTH TIME THEY DID RUN THE CREDIT AND BOTH TIME THE LOAN WAS APPROVED. 

Then XXXX XXXX XXXX ran it again 1 more time with XXXX for XXXX XXXX on XX/XX/2019. 

2 TIME THEY RAN MY CREDIT UNNECESSARILY AND WITHOUT MY APPROVAL ANOTHER PROBLEM WITH TD AUTO FINANCE IS THAT THEY PAID XXXX FOR THE CAR BEFORE IT WAS DELIVERED TO ME AND I HAD A 45 DAYS BEFORE THE FIRST PAYMENT WAS DUE AND THE REFUSED TO ADJUST IT, TELLING ME I HAVE TO FIGURE THAT OUT WITH XXXX XXXX SALES IT MAKE NO SENSE. 

ANOTHER PROBLEM IS THE INTEREST RATE ON LOAN WAS 3.99 %, THE MANAGER SHOWED IT TO ME ON THE COMPUTER, AND WHEN THEY GAVE ME THE PAPER WORK ITS NOW 5.99 %, THIS IS FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
AS OF TODAY, XX/XX/XXXX I HAVE RECEIVED NO INFO NOR WELCOME LETTER AS REQURED BY LAW FROM MY NEW MORTGAGE COMPANY ( SHELLPOINT MORTGAGE SERVICING ) WHO OBTAINED BY HOME LOAN FROM XXXX ON XX/XX/XXXX DUE TO THEIR BANKRUPTCY FILING. 

I HAVE NOW MAILED TWO ( 2 ) SEPERATE MONTHLY PAYMENTS TO THEM BUT HAVE NO LOAN NUMBER OR ACCOUNT TO DATE. PLEASE HAVE THEM RECTIFY THIS PROBLEM BY SIMPLY WRITING ME TO INFORM ME OF NEEDED DETAILS AND TO DISCLOSE THEIR OWNERSHIP OF THIS MORTGAGE. I HAVE NOTED THE OLD XXXX ACCT. NO. ( XXXX ) IN THE MEMO SECTION OF MY CHECKS. 

THIS TYPE OF TRANSFER WITH NO DISCLOSURE TO THE CLIENT INVOLVED IS TROUBLING, ESPECIALLY CONSIDERING THE COMPLAINTS I HAVE READ REGARDING THE BUSINESS PRACTICES OF THE NEW MORTGAGE HOLDER/SERVICER FROM OTHER FORMER XXXX CUSTOMERS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01
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:
I disputed this account 3 times with XXXX, XXXX and Transunion. I asked each credit bureau to send proof of validation and each time I keep getting a report back saying that this account has been updated or either closed but no proof of validation from this company or no original contract and by law if this is reporting on my credit report, I have the right to send me proof of validation. However, I did receive a letter from a collection agency with a total different amount that 's reporting to the credit bureau. I am not liable for this account. They have no proof of validation and reporting different amounts to collection agency and credit bureau. Please have credit bureau send me proof of validation or remove this from my credit report. They are reporting inaccurately.

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 2017-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Transunion is reporting a public judgment on my pristine credit report.     This is misinformation. This small claims action was filed by a company that had no legal authority to do so. Is n ot manager or  owner of property as falsely stated on petition.   XXXX  I am in the process of challenging the procedure.   XXXX  I was under the assumption that this public record would not be a facet of a consumer credit file as of  XXXX   XXXX ,  2017 .   XXXX  However, Transunion continues to report this inaccuracy ' I have notified the company previously without resolution.

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 2020-02-13
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Complaint is regarding US Bank Mortgage. My payment for XX/XX/XXXX was due on XX/XX/XXXX but we were in the process of selling our home and were supposed to close mid-month XX/XX/XXXX. There was a delay and we closed on XX/XX/XXXX and the loan was funded on XX/XX/XXXX. The wire transfer was sent on XX/XX/XXXX but was not processed by US Bank until XX/XX/XXXX therefore they reported a 30 day late. This is inaccurate as the payment was received ON the 30th day. I contacted the company and all parties I have spoken to agree that the late was reported inaccurately with the exception of the last person, XXXX. She was quite rude and stated the account was late and it is not going to be changed. I have an email from the title company showing the wire transfer information dated XX/XX/XXXX if needed.

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 2020-02-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I know I have no credit at all but was not told that I would have to give credit companies sensitive information like social security card just to access my own credit report and allow access to an apartment complex Im trying to rent from. The complex cant even get past step one of background/ credit so now Im having to reapply because of credit card companies

Company response to consumer: Closed with explanation