BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/XXXX {$4900.00}, XX/XX/XXXX {$4900.00}, XX/XX/XXXX {$4900.00} Above are fraudulent check amounts that were deposited into my daughter 's USAA account at a branch in XXXX, Ga that I wasn't even aware that existed ( I was a member for 17 years prior to incident ) and withdrawn from several super XXXX XXXX in another area, which all locations are an hour or more away from where we lived. My daughter was XXXX/XXXX years old at the time of the incident, but due to the account not being mine the police department in our area said that she was the only one that could file the police report for identity theft. So I then had her file the report and then I drove to XXXX were we submitted the report at the above branch through their web center. I continued to request for the incident to be investigated, but was told by several different Reps that they will not be doing an investigation, because my daughter was still at fault for not properly securing her card and security questions and/or answers that she had written down, which was a newly activated card that I had just given to her the week prior to her school going on XXXX break. I was unaware of any of these activities until a week after the checks were deposited and monies withdrawn is when I received a call by a Rep from USAA. I immediately took action, but USAA kept giving me the run around, I then asked to speak with a supervisor and was told that I was not allowed to because no matter how I looked at it I was still responsible. Almost a year or 2 later I was then notified by XXXX  XXXX XXXX  that the monies owed from the fraudulent activity was reported onto MY personal consumer report and that I will not be able to get another bank account anywhere for 5 years. USAA had already closed her account and took any and all funds from MY account ( s ) that my social was attached to. Which forced me to take my name off of my son 's account so that it wouldn't affect him as well. I continued to keep my account with USAA up until either the beginning of XXXX or end of XXXX when USAA decided to change my account from checking to deposit ONLY then shortly after closed the account all together.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
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:
Following a review of my TransUnion credit report - under identification number XXXX - I determined that a chapter XXXX bankruptcy was being reported incorrectly inasmuch as I have never filed for bankruptcy. 

Several disputes were directly filed to TransUnion with no result. No proof has been provided as to the name, social security number or other personal identifiers of the individual filing for bankruptcy in the XXXX XXXX XXXX Florida. 

I demand a complete investigation of this matter.

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 2019-05-14
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: Old information reappears or never goes away

Complaint:
Following a review of my Experian credit report, I determined that said report contained an XXXX/XXXX credit card that was closed over 10 years ago. I initially disputed the account as antiquated to no result. Not only did Experian ignore my dispute, XXXX did as well. They simply failed to respond. 

XXXX/XXXX - under account number XXXX - should not remain on my credit profile as any and all negative activity far exceed the seven year retention period as allowed under the Fair Credit Reporting Act.

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 2019-05-14
Company: Immediate Credit Recovery
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
the collector called from a local phone number indicating they were representing another party form the same office regarding student loan debt which is presently being paid. Also the previous party who arranged repayment of student loan debt did not disclose how funds would be distributed, thirdly the collection agency indicated they never received information I faxed and mailed to them on a timely basis, and it is my belief that this was done to run me over the time deadline to qualify for payment arrangements, in addition, the collection agency never offered a plan to have the debt not being reported on my credit as well as my dependent child 's report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Just this month ( XX/XX/XXXX ), a " late payment '' hit my credit report while I am in the middle of purchasing a house. I logged into the TD Auto Finance website ( which I never do b/c the payments are made in person at TD Bank counter ) and there was nothing obviously that would show anything was 30+ days late. What I did see was what the balance due for " XX/XX/XXXX '' which is what they are stating is the missed/late payment. I called TD, spoke with a representative yesterday ( XX/XX/XXXX ). They stated that there was a payment missed in XX/XX/XXXX. It clearly was an accident because every payment before and after that has been on time and always more than the minimum. I was never notified about a missing payment. TD stated that do not call for missed payments but only send notices in the mail. I have never received one. They also said they sent me monthly statements, which I also have never received and they are looking into that. The on-line message center also has no notification in there under my account. When they told me it was late, I immediately paid the outstanding balance, which was less than a monthly payment due to all the over payments. Not only did they not make a fair attempt to contact me, they reported {$88.00} as " 30 days late '' with the credit bureaus but posted it on my credit 9 months later as if i was recently late. Had they either called me and/or even added it my credit when it was truly late, I would have paid it immediately. Now my current home loan I'm working on is at risk. They told me there was no phone or e-mail to contact anyone, I would only be able to mail my complaint to the Credit Dispute Department. My home is supposed to close in less than 3 weeks and this is now an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I filed my 1st complaint on XX/XX/XXXX complaint # XXXX on XX/XX/XXXX BOA stated it could not answer my complaint online due to not having XXXX party authorization. So I filed a 2nd complaint on XX/XX/XXXX complaint # XXXX regarding how the bank doesn't process the paperwork they receive and then try to blame the consumer that they are at fault for Bank of America not being able to do its job. Today I am filing a complaint about unfair and discriminatory bank practices in a CRA neighborhood. For not processing paperwork and purposefully running down the clock to a sheriff 's sale to blame the homeowner for missing paperwork in order to avoid having to respond to modification request. I have been in consistent and diligent contact with Bank of America through my case manager XXXX XXXX and with the compliance officer XXXX XXXX and yet neither of them have been forthcoming about the status of my modification request submitted on XX/XX/XXXX that just went to underwriting this week. They are asking for documentation that is unnecessary to prove my son has moved into the home. I have proven he has occupied the home through several methods but they are insisting that I have the PSEG bill put in his name when it is not a requirement for the mortgage. I pay this bill there is a credit and he has changed his address officially with the post office and with his bank and many other ways. He lives here. I have been requested to prove I have child support with the original court order that they have on file since I had the loan and I have sent all updated proof of current support and the new law in NJ on how it continues to pass the child 's XXXX birthday until age XXXX. That still is not acceptable although it is NJ law. I don't know what else to give them. It's an unfair practice and they refuse to respond to the modification request other than to say I haven't turned in paperwork in which I have time and time again. I need help resolving this so I can get my house payment current. The bank has not good intentions to help me bring the loan current because it's not in BOA best interest because it's insured by HUD. This is unfair banking practices. I want them to process the paperwork.

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 2017-09-08
Company: EQUIFAX, INC.
State: PA
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:
As a result of the data break at Equifax, my personal financial information has been compromised, and I no longer know who has access to my most sensitive data. Equifax did NOTHING to notify me of this, and I had to learn through mass media channels MONTHS after the initial breach. 

This is simply unacceptable. Equifax has put both me and my family at risk. And the worst part is that I do n't know the extent to which we are endangered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Heloc loan was applied for on XX/XX/2020 with the wells Fargo Home Equity Group.  Loan originator 's name : XXXX XXXX NMLSR ID ; XXXX. I previously had a loan ( mortgage ) with WFC and paid off the house located on XXXX XXXX XXXX XXXX. XXXX, TN XXXX. I told him that I would be purchasing a villa close to my work and closing on XXXX XXXX. They said with my credit, this would not be a problem. The loan was given to loan processor XXXX XXXX NMLSR XXXX. I have no debt, a net worth well over XXXX XXXX with liquid assets of XXXX. Fico score is XXXX. XXXX Military with pension and social security. I continue to work and make around XXXX or better a year with a consistent record. They gave me, in writing, approval ( tentative ). My house was appraised at XXXX and I was requesting a XXXX loan or less. My age, which apparently was the problem, is XXXX. They asked me what I was going to do with my current home and I sent them an email that I would likely sell it, but in my area, it takes long time, maybe 2 years. That objective changed as I stated to them that I would likely keep it to make sure of the villa. They notified me that my loan had been rejected two weeks before I was to close on the property. I just received a notice from them on XXXX XXXX, dated XXXX XXXX, that my loan had been declined due to " We do not offer the type of credit or the terms you requested. '' Nothing else was said WHY. This appears to be nothing but AGE discrimination since there is no other conclusion or reason why they would decline the loan. Of course, this has not only cost me time, but money, since it appears nothing will happen and I am now past the closing date. I have never been declined for a loan, never missed a payment, have a stellar record of paying off both business loans and mortgages ( some 20 ). Again, this appears completely to be AGE discrimination. I have consulted an attorney but will first follow this avenue. Thank You

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 2019-05-14
Company: Bread Financial Holdings, Inc.
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX  XXXX out of XXXX XXXX continues to call and leave messages for a XXXX XXXX on my phone. This is not his number, nor do I have debt with XXXX XXXX. They call every other day and leave messages for XXXX XXXX and I do not know how to contact him. I have contacted the company to stop, but they do not stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-14
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
A few months ago I started using by Compass Bank account less and less because of concerns I have had over the past about how they have handled my money. This bank has been charging me over the past few months for items they have refused to pay. I deposit enough funds into this account to pay the items. Compass Bank has continued to charge me NSF fees because of them taking my account into a negative balance. I would deposit XXXX XXXX dollars which they would not make a payment with, then the bank would charge me {$38.00} bringing down my balance creating a loop of insufficient funds and fees. They keep doing this until the account is negative and I have had to pay quite a bit of money to keep the account in good standing. While I finish moving my other accounts, I would like this account to work properly and as promised. This year I have been charged {$190.00} in NSF fees due to the banks actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
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 have requested items on my credit report be validated because there is information on my credit report that is inaccurate, there is identity theft. My credit report by law should have 100 % accurate and verified information and right now it does not. I'm asking these items to validate or remove from my credit report, which is the law. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
Company: Experian Information Solutions Inc.
State: OH
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 several account on my credit report that should have been removed they where settled with the original Creditor and paid in full I would like these items removed they are not accurate please delete/remove the following account : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX & AXXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX I have some issues with unauthorized checks being used on my account and and these have all been settled. I am in the process of buying my home and I would truly like these resolved items removed from my credit report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-21
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:
These accounts and inquires listed below were not done by myself. Attached are my Driver 's license and Identity Theft report. 
Please delete immediately. 
Thank you

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 2019-05-14
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am receiving repeated phone calls from agents claiming to be from Comentiy bank, regarding a XXXX account. I receive 3 -5 calls daily from different phone numbers and different agents. These agents have also somehow manged to obtain phone numbers for my daughter who is a college student and my father, who is in supported living, and they are making threats to my family memebers regarding me and my collection status. 

I have made payments to this account. I have also asked to have some consistency and work with one agent. They always refuse, and they refuse to provide any kind of documentation or verification with who they are working with. They repeated ask for my full banking information, which I always refuse to offer, since they can not authenticate themselves. I believe this to be either a scam or harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-14
Company: CITIBANK, N.A.
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: Old information reappears or never goes away

Complaint:
Following a review of my XXXX credit report, I determined that said report contained an XXXX/Citibank credit card that was closed over 10 years ago. I initially disputed the account as antiquated to no result. Not only did XXXX ignore my dispute, Citibank did as well. They simply failed to respond. 

XXXX/Citibank - under account number XXXX - should not remain on my credit profile as any and all negative activity far exceed the seven year retention period as allowed under the Fair Credit Reporting Act.

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 2019-05-14
Company: EQUIFAX, INC.
State: MI
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:
ON XX/XX/2019, I RECEIVED A CREDIT ALERT REGARDING TWO STUDENT LOANS WHICH WERE TAKEN OUT USING MY SOC SEC NUMBER AND PERSONAL INFO, AND WAS REPORTED ON MY CREDIT FILES. I NEVER APPLIED FOR THESE LOANS, NOR DID A CO-SIGN FOR THEM. I COMPLETED A DISPUTE WITH ALL THREE CREDIT BUREAUS, FILED A POLICE REPORT, FILED A FTC ID THEFT REPORT, PLACED FREEZES AND LOCKS ON MY CREDIT FILES, AND CONTACTED THE LOAN COMPANY AND COLLEGE. EQUIFAX HAS HANDLED MY DISPUTE ( S ) HORRIBLY. THEY REPORTED REMARKS TO EVERY ONE OF MY CREDITORS/LENDERS STATING " CONSUMER DISPUTES '', WHICH I DID NOT ASK FOR. I WAS VERY SPECIFIC IN MY DOCUMENTS TO EVERY ONE, STATING AN INCORRECT/FALSE ADDRESS AND TWO FRAUDULENT STUDENT LOANS. 
EQUIFAX IS A JOKE WHEN IT COMES TO CUSTOMER SERVICE, NO ONE IS WILLING TO HELP, AND NOT TO MENTION NONE OF THEIR SERVICE AGENTS ARE IN THE UNITED STATES. I SUBMITTED EVERYTHING THEY'VE ASKED FOR, AND YET, THE LOANS & ADDRESS ARE STILL ON MY CREDIT FILE. EQUIFAX IS RUINING ME, MENTALLY AND FINANCIALLY. I'VE WORKED TO HAVE GOOD CREDIT AND SINCE XX/XX/XXXX, IT HAS CONTINUED TO DROP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: Experian Information Solutions Inc.
State: AR
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 to get my credit pulled due to several bills I continued to receive in the mail. I have never heard from the place before. I immediately suspected my identity had been used. I reviewed my report and I was caught by surprise on things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$36000.00} XXXX XXXX {$1300.00} XXXX XXXX {$4400.00} DEPTEDXXXX   XXXX {$1400.00} XXXX XXXX {$0.00} XXXX XXXX {$34000.00} XXXX XXXX XXXX {$3400.00} XXXX XXXX {$530.00} XXXX XXXX   XXXX {$440.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX {$740.00} XXXX XXXX  XXXX {$530.00} XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX {$7800.00} XXXX XXXX {$960.00} XXXX XXXX {$680.00} XXXX XXXX XXXX  XXXX {$490.00} XXXX XXXX XXXX {$530.00} XXXX   XXXX {$270.00} XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX {$670.00} XXXX XXXX {$880.00} XXXX XXXX {$440.00} XXXX   XXXX {$2200.00} XXXX  XXXX {$740.00} XXXX XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$500.00}

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