BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
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:
USAA and XXXX  have both been sent 4 disputes on account that is reporting " derogatory '' that is paid and no history of being derogatory. Ive attached the 4th letter I sent to XXXX  and the copy of the credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: U.S. BANCORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
US BANK AUTO LOAN - LATE PAYMENT REPORTED I have two car loans with US Bank. First loan is set up on Auto payment. The second loan, the website would not allow me to set up auto payment for the same account. When I make payment manually, the website does not allow autopayment set up at that time. Finally I sent the paper form for autopayment. The form was never entered into the system. The payments were not processed and late payments were reported to credit agencies which negatively affected my score. Again no voicemail ever! 

When I asked US Bank why didn't you call me and left me a voicemail. They said they are not required to leave voicemail. Their calls and mails are drowned in tons of advertising mails and calls we get from US bank. They do not come on line but instead say press 1 to connect which sounds suspicious. They do not leave voicemail. The paper notices and emails are mixed with tons of spam mail. 

They reported and ruined our credit without ever talking to us or leaving a voicemail. I did my part by sending the form but they say they never received it. Their online system, mail system and phone policies are aligned to make us fail from making payment on time despite all good intentions. I had excellent score of XXXX now ruined. This is pure harassment and disregard for someone's hard work of while life by ruining their credit without making appropriate effort to convey message. All I needed was one voicemail. 

I offered to pay the entire loan so that this negative payment can be removed. I could not get anywhere with their customer service. I work very very hard for my family. As a XXXX I work hard at XXXX. I wake up at XXXX XXXX and do not look back. I feel frustrated and helpless where my financial situation is ruined by US bank. 

Bank 's system did not allow customer to easily make autopayment and did not use effective communication. In addition, made trivial effort to inform the customer hidden in tons of calls and mails without leaving one real voicemail before ruining the 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 non-monetary relief
Consumer complaint received 2021-10-26
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I signed up for a HSBC checking account with a {$450.00} dollar bonus offer. I waited and completed all of their qualifying activities. I called to inquire about this and HSBC said I never signed up for the bonus. They took my hard earned money and defrauded me out of an offer. This bank is engaged in fraud and should be investigated for misleading customers. Their own system timed out when I was filling out the application. Then I filled it out again and was approved. They refused to honor my bonus because of their own technical issue and I had to put all my direct deposit on their account, but they never gave me the bonus I deserved. This bank gave the worst feeling I've had with an institution, I felt cheated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: Experian Information Solutions 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:
Verify Method of Verification. 

CFPB Complaint was submitted and the response was received in Report # XXXX Date XX/XX/20. Federal Register outlining the Federal Trade Commission 16 CFR Part 660 Procedures To Enhance the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies Under Section 312 of the Fair and Accurate Credit Transactions Act ; Final Rule ; Guidelines for Furnishers of Information to Consumer Reporting Agencies ; I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. If e-oscar was used please show verification fo Metro 2 compliant data. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request.

15 U.S. Code 1681i. Procedure in case of disputed accuracy ( 6 ) Notice of results of reinvestigation ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

The proof of Investigation methods and proof that I am using a third-party service is requested in the failure to remove the following items : Creditor : XXXX XXXX XXXX   XXXX XXXX - Account : XXXX. 
Creditor : XXXX XXXX XXXX Account : XXXX .... 
Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Account XXXX 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 2021-09-17
Company: I.C. System, Inc.
State: GA
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 believe that I am a victim of identity theft. Due to the CoronaVirus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I did. I did not receive an actual proof, physical firsthand documentation of the payment history and proof of last payment and these violations persist on my credit report. I just had to escalate to CFPB.

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 2021-10-26
Company: EQUIFAX, INC.
State: NY
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:
As previously notified, I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: SUN LOAN COMPANY 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 two hard inquiry on my credit report & I've never had any dealings with these companies so something not right & the contact info for Sun Loans is incorrect because the phone number is out of service. The companies or Sun Loan & XXXX XXXX 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 2021-10-04
Company: EQUIFAX, INC.
State: KS
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:
Equifax has been asked to verify the accuracy of 8 accounts from XXXX XXXX XXXX on XX/XX/2021. Account XXXX XXXX has receive several documents from me over the last before XX/XX/2021 to include but not limited to Notice of Default and Opportunity to Cure where XXXX XXXX XXXX has failed to answer all doc sent by registered mail. Included in the documents they have received is Notice to Cease and Desist. At this point Both XXXX  and XXXX have removed these accounts because XXXX XXXX XXXX is one of the unscrupulous 3rd party debt collectors. Despite the Notice To Cease and Desist Equifax claims to have verified the accuracy of these 8 accounts. XXXX XXXX XXXX XXXX has violated my rights again by verifying these accounts or Equifax has not done an investigation as required by law upon request and is in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Around the beginning of XXXX, I believe it was XX/XX/XXXX, I had used the XXXX XXXX app to check my credit score. Upon opening the app, I discovered that my credit score had dropped 153 points thus bringing me down to XXXX points as my new score. I researched the app to find out how this had happened ; I pay my credit card bills every Friday, so it was not that, and I was still in grace period after graduating from school on XX/XX/2018. I found out, from XXXX XXXX, that Navient ( my loan servicer ) had reported a late payment on a federal unsubsidized and a subsidized loan. One, Navient had never informed about a payment due for my federal loans. I called Navient around XX/XX/XXXX to clarify if I had any payments due and the phone operator said " no. '' Two, I logged in to my Navient account and also found that there were no payments due, and all my loans were deferred or still in grace period. I even checked my Navient inbox to ensure that I had no payments due yet. Thinking that this was all a mistake, I opted to try XXXX XXXX 's free credit score reporting system, which also said my credit score was XXXX points. To go even further, I chose to receive my free credit report from XXXX and it also stated that Navient had reported that I was 90+ days late in repaying my federal loans. In conclusion, Navient failed to inform me about ( 1 ) loans/balance from the loans that were allegedly supposed to be paid, ( 2 ) loans that were not actually supposed to be paid off until my grace period ended ( XX/XX/2018 ), ( 3 ) misinformed me about what loans were due when, ( 4 ) failed to track my loans correctly and inform me in a timely manner, ( 5 ) incorrectly reported my loans to the credit bureau, and ( 6 ) had their dispute section of their website unable to function ( probably due to their law suit or overwhelming disputes from consumers ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: AMERICAN PACIFIC MORTGAGE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This company is doing fradulent activities. They sign disclosures for borrowers on their own. They ask you for the login and password to acknowledge CD if you are unable to do it yourself online.

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 2021-09-18
Company: ACIMA CREDIT, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: PNC Bank N.A.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, I was talking to XXXX XXXX from PNC Bank and he ended my application process for a refinance of my home because he said that my XXXX retirement was not permanent and that he couldn't use it for income because my pension has income limitations just like Social Security has income limitations. My pension comes from the Office of Personnel Management ( OPM ) and is as permanent as my XXXX. OPM is the federal government retirement system. I have been receiving this pension since XXXX when I retired with XXXX from the XXXX. I was a XXXX XXXX for 10 years and have been retired for 16 years. I just want to be able to participate in the economy and acquire loans and it's terrible that I would be denied a loan because of my XXXX when my income is more secure than most people working out there and you have my home as collateral.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
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:
I just check my credit through XXXX XXXX website and i noticed a fraudulent account on my credit report. XXXX  and XXXX  did Remove the fraudulent XXXX XXXX Card from my credit report but Transunion still havent removed it. I did not do business with such company. I always get email from XXXX stating that my information was on the dark web. I was also affected by the XXXX  breach. I have attached the identity theft report along with my social and drivers license.

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 2021-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On or about XX/XX/2021, I went to Bank of America in XXXX ( XXXX XXXX XXXX, XXXX, VA XXXX ). I wanted to withdraw funds from my account, around XXXX dollars. I was met by a teller, XXXX XXXX, who refused to let me access my funds after multiple attempts to try to show her my id and secondary ids. She discriminated against me based on my skin color ( XXXX ). XXXX asked me for my debit card, I said I don't have have it. She suspiciously in a negative tone said, " where is your debit card? Why don't you have it? '' I told her I don't carry it with me, but I can show her my ID. She said, okay. I showed her my ID, then she said to go get my phone to get a verification code. I went ahead and got my phone and she said, she still could not give me money because my ID was " not verified. '' I told her I have given her proof of my id and my account ownership and she should give me my funds, she said no, I had to sit and wait to have my ID verified. I had never had this experience at any other branch. I gave her all forms of ID she requested, yet she still refused to let me access my account. I spoke to the managers at the branch and they treated me like a criminal. This was clearly discriminatory behavior by a white teller ( XXXX ) and I was humiliated out of the bank. I filed a complaint with Bank of America with the complaint number XXXX, and I have yet to hear from them.

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 2021-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Company refuses to fix factual disputes, Charge off account showing currently showing past due, Collection accounts with a credit limit, Accounts that are incorrectly reported as late or delinquent, Open charge off accounts,

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 2021-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2021, I was victim of a fraudulent theft and my bank ( Bank of America ) refuses to protect me and take responsibility for this fraud. The thieves used a forged customer service line. I searched up on XXXX the XXXX Customer Service number to report an undelivered package. The first number that showed up on XXXX was the fraudulent number. A man, pretending to be an XXXX representative, told me that my package had been located in XXXX and they were going to get a new package sent to me as soon as possible. They said they would guide me how to fix the issue, so they had me download an app called XXXX on my phone. From then on, the scammers said that they needed to cancel the original transaction from my Bank of America App. Although I was skeptical, they kept repeating that " this is XXXX, we are a XXXX dollar company you have no reason not to trust us we just want to get your package back to you. '' This made sense to me because I indeed thought I was talking to XXXX XXXX XXXX, as that was the number that I dialed. Taking complete advantage of my emotional vulnerability at the moment, they made me go on XXXX and type in " codes '' that needed to be sent to this uniform bank of America account which was : @ XXXX. They had me do that twice, a transaction of {$990.00} and {$990.00} for a total of {$1900.00} that they stole from me. During the time this was happening, they also asked me that they needed my moms information because I told them she was the owner of the XXXX account. They tried calling from a different line than the one that was calling me but my mother didn't answer the phone. They quickly realized they were not going to able to scam her so they hung up the phone call as soon the transaction was complete.

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 2019-06-27
Company: Paramount Capital Group, Inc.
State: TN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Paramount Financial files on my XXXX Credit report on XX/XX/2019in the amount of {$5900.00}. They do not have the original contract. This causes my credit scores to lose 60 points in one day. My signature was collected on XX/XX/2019 and applied XX/XX/2019.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have loans through XXXX & XXXX XXXX ( not huge loans ), that I took out to get a 2-year degree. They constantly call and harass me. They constantly call and harass my grandfather, who was the cosigner but he went into bankruptcy years ago, and is over XXXX years old. Despite me reaching out to them to try to arrange even the lowest of payments a month ( via email ), they refuse to accept the arrangement. It's being handled through AES and they are HORRIBLE to work with. They refuse to make any sort deferment longer than one month, despite the pandemic, and won't even accept a lower monthly payment amount of something like, {$25.00} a month for each loan, until I can pay more. Because I simply can not pay more at this time, but they are notoriously difficult and I imagine that this has to go against some form of business practice, since they have threatened to garnish my wages, despite me offering a lower monthly payment than what they wanted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-11
Company: EQUIFAX, INC.
State: MI
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 is an repossessed car that was fraudulently put in my name. I've asked for to be shown validation of debt on numerous occasions, but to no avail. I've sent in paperwork and police report showing it wasn't my vehicle and yet Equifax won't remove said item. My next and only recourse if this matter cant be resolved its to take legal action against Equifax and the company XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TD BANK US HOLDING COMPANY
State: TX
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:
Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.

Company response to consumer: Closed with non-monetary relief