BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
On X/XX/17 I contacted the CEO of USAA Bank, XXXX XXXX, via email in regards to an account reporting on XXXX XXXX. Two days later I received a phone call from someone in his office in regards to the email in which we discussed what I could do to clear the issue as well as have the information updated on my reports with XXXX XXXX. I was notified that upon receipt and deposit of the overdrafts an immediate notification and update of remarks would be done with XXXX XXXX XXXX. On XXXX another email was sent after I contacted USAA checking account department to see if my payments were received to find out not only were they received but they were also deposited and cleared on XXXX and no notification was sent or was on record to be sent to me for my records so it was just good that I called. So upon the rep sending me receipts I took it upon myself to submit them to XXXX XXXX XXXX who in turn said they would follow up with USAA because nothing was still updated. I am well aware that the record remains for 5 years but USAA stated the remarks could be updated but have yet to do so, I am stating this so that it is known that I am aware of this part. Another email was sent on XXXX, as well as today XXXX still with no response. The reps for USAA are unable to assist any further besides to tell me it will be updated. XXXX XXXX can only tell me they have to wait on USAA. I 've spoken to others that are or have gone through this as well and they are experiencing the same issues of no response. <P/><P/>When I spoke to XXXX XXXX XXXX multiple times on the XXXX the first rep I spoke to stated that the receipts would be uploaded and updated and that in regards to my frozen accounts with my current bank that I give them a call to see if they would accept a fax showing the records were taken care of or if they required removal. I hung up with her and called my bank and they stated a fax would be fine. So I called XXXX XXXX back and of course getting a new rep that said it did not work that way they would update but had to reinvestigate with USAA to make sure the payments were indeed correct and how to update. I called USAA and they told me the updates would go through immediately. So as you can see everyone was giving me the run around and different responses, and I have no access to my money because of the situation. I just want answers and an update to the remarks as I was told would happen.

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 2020-10-19
Company: Commonwealth Financial Systems, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
COMMONWEALTH FINANCIAL added 2 accounts ( XXXX and XXXX ) to my report this morning and i am livid ... ..I never received a dunning letter from this company and this was added to my report without warning ... I know my stuff and know that this is a violation of my rights..I am supposed to receive a dunning letter which i never did ... I know why they added it quickly with no notice ... .A mortgage report was pulled on XX/XX/XXXX which i was prequalified and here we are on XX/XX/XXXX with these 2 accounts added illegally. I want these removed immediately as this was a violation of my rights. 

Not only is this a violation but they can not validate this debt as I have always had great medical insurance and am in the medical field and know how insurance works. At one point a collection agency by the name of XXXX XXXX  owned these accounts. I asked them to validate these accounts and they absolutely could not validate them and removed them from my credit reports ... How can COMMONWEALTH FINANCIAL validate them when all that they did was purchase these debts ... they got suckered into buying these as they can not verify nor validate these debts ... .I am in the middle of purchasing and these violations are killing my score and chances ... If these are not removed immediately i will be sending this to a consumer attorney to file suit as well as contacting the state attorney general in my state and whatever state COMMONWEALTH FINANCIAL is in

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: Bread Financial Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX keeps calling my cell number looking for someone else. They don't seem to understand that they have the wrong number. They continue to leave me voicemail messages indicating there is an urgent and pending matter that must be addressed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-12
Company: Riverwalk Financial Corporation
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
(XXXX) XXXX
Placed for collection: XX/XX/XXXX Responsibility: Individual Account Account Type: Open Account Loan Type: COLLECTION AGENCY/ATTORNEY
Balance: $XXXX Date Updated: XX/XX/XXXX Original Amount: $XXXX Original Creditor: XXXX XXXX (Retail) Past Due: >$XXXX< Pay Status: >In Collection<
Remarks: >PLACED FOR COLLECTION< Estimated month and year that this item will be removed: XX/XX/XXXX

This account was reported on my credit report as a debt that I owe, I disputed this item on XX/XX/XXXX with XXXX. A direct dispute with the company on XX/XX/XXXX and a Validation letter on XX/XX/XXXX. The Debt is being reported by the original creditor and the debt buyer at the same time. It is also being reported inaccurate as per information sent due to the dispute with XXXX by XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
This debt was paid by debt consolidation company XXXXXXXX XXXX XXXX  reported a XXXX balance to XXXX in XX/XX/2022. This company started sending a bill to an old address and I never received a balance on the account until it showed 90 days past due on my credit which then alerted me to an issue.

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 2018-03-30
Company: Experian Information Solutions Inc.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Was informed of a collection item by a credit analyst decision letter, contacted Experian to try and identify what collection item ; and likely enter a dispute. 

However had to sign up for a website, agree to electronic results, and was told I would be able to enter the dsipute online. 


After registering and signing in, I viewed a message that for security reasons you can not enter a dispute online. 
You must instead call. 

After an hour and ten minutes of hold time, I still can not submit my dispute on the website or by phone. 

I also seem unable to cancel the Experian membership via the website, and thus far unable to cancel by phone.

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 2018-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Address is shown several times that are wrong. Phone numbers are wrong.

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 2018-07-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have been paying our XXXX mortgage payment, every month on the XXXX of every month for nearly 9 years. 

Recently, we have a competency issue with the XXXX mortgage division regarding knowingly taking an extra mortgage payment in XXXX, on XX/XX/XXXX, after we sent our payment by check for the same amount ( {$3500.00} ) on XX/XX/2018. ( all proof of the " 3 mortgage payments in 2 months '' with bank statements ) is attached. ( The only reason why we mailed a payment in XXXX, was because the Settlement company for the people buying our house called and ( WITHOUT NOTIFYING US, XXXX bank must have (?? but no one told us ) changed our auto-pay date to the XXXX of the month. 

PLEASE NOTE : We did not complain about the extra payment in XXXX, we saw that we were paid for XXXX in XXXX Bank Mortgage 's system until XX/XX/XXXX. This appeared to cover the XX/XX/XXXX payment then. Imaging our shock in the morning of XX/XX/XXXX when I saw that XXXX bank was swiping an XX/XX/XXXX payment then from us on XX/XX/XXXX! 

We immediately called XXXX Bank Mortgage on Monday night XX/XX/XXXX and the call was difficult because of their rude staff, who blamed us for their mistake. Finally, we were transferred to a supervisor, who promised to return the mistaken extra payment for XXXX within about 6 days. 

Today is Friday XX/XX/XXXX and another rude person from XXXX Bank Mortgage called us ( XXXX and XXXX XXXX ) and advised that they should not have to return our extra payment!! We did tell them that our house is under contract and expected to close XX/XX/XXXX, however that is 11 days away and a different issue! 

Why does XXXX bank want 13 payments from us this year instead of 12 and what in the law allows them to take our payment for XX/XX/XXXX when, according to our bank records attached our XXXX payment was made on XX/XX/2018. 

Please make sure that by Monday XX/XX/XXXX that our {$3500.00} is ABSOLUTELY REFUNDED to our XXXX  checking account that ends in -- XXXX as we were promised already on Monday night when a supervisor at XXXX Mortgage promised us. We have been loyal an excellent paying customers for 9 years, and we deserve to be treated right and within the terms of our agreement with XXXX. 

Thanks! - XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
calls 5 times a day, everyday for the last month

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 2018-07-20
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Application was submitted for me and an additional card holder, card was approved however American Express has failed to complete my request citing no information as to why I am unable to add an additional card holder to MY account. I called customer service several times and was told it was a glitch in their system or an uncompleted part of the application, was asked to provide my additional card holder information including date of birth and SSN number. SSN number should not be required to add an additional card holder to an account which no other bank does. I have repeatedly told American express that due to their failure to abide by this request that I do not want the account and would like it to be scrapped from my credit report and closed immediately. As a retention method the CSR put in a second request saying there should not be a reason why their new accounts team can not process the additional card. I have received my card in the mail via XXXX track # XXXX XXXX XXXX XXXX XXXX XXXX. The new card has been sent back via USPS 3 day priority mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting act. This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Accounts as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
I have the following rights as a consumer : 15 U.S.C. 1681 Section 602A. I have the right to privacy 15 U.S.C. 1681 Section 604A Section 2 : A consumer agency can not furnish my account without my written instructions 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause that the information is inaccurate.

I have reviewed the information across all three credit bureaus and found numerous inaccuracies in my accounts across all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25
Company: Experian Information Solutions Inc.
State: FL
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 XXXX, XXXX, cancelled my debit card that was not expiring until 2020. I had to make two phone calls and speak to several people for too long of a time period to not get any answers as to why my card was cancelled without my knowledge. <P/>When I went to my local XXXX XXXX ; the woman at the desk, apparently illegally requested another card on my behalf with out my knowledge which I was denied for ; I discovered in a letter by mail. <P/>When I called the company regarding my account, I was transferred to another country phone line whom told me that my U.S. public records are public to them as well. I was not assisted and transferred to a supervisor whom confirmed they were not in the United States. I did not authorize Reference number : XXXX I closed my account and withdrew my funds immediately. My public records should not be public, to just anyone, let alone outside of the United States of America. As well as, financial representatives should not be allowed to cancel debit cards that are not expired or closed, and should not be allowed to request new credit without my authorization and speaking with authorities confirming my so-called request. Also, I do not appreciate dealing with foreign workers, when the United States has so many unemployed people.

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 2018-10-26
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, I am dealing with a serious fraud issue with someone. He took out a mortgage loan, originally {$420000.00} it is now {$470000.00} with myself as co-signer about 10 years ago. He was supposed to take me off this loan after a short while and make payments on the house in XXXX N.Y. XX/XX/XXXX was the very last payment he made on the house according to my credit report. And he has not paid a dime since! my credit has suffered tremendously and I want to be removed off this loan and I have asked him multiple times over the years. 

I went into TD bank today ( Friday ) in XXXX and spoke to someone who advised me to contact the Credit Bureau and the FTC ( federal trade commision ) and also to seek legal advice. She said I can refinance to be off the loan but to my knowledge I was taken off the house but left solely on the loan ruining my credit. He refinanced XX/XX/XXXX according to XXXX XXXX without my knowledge or consent. I am under the impression that I have to be present to sign documents and I was not. This is fraud!! My credit score went from XXXX to XXXX because of the mess. I just want my life and credit back so I can apply for my own loan for a home with my Fiance '. I have been dealing with this for a few years and gave him countless opportunities to fix it. I have addition information if needed like names, addresses for example. Please reach out at your earliest convenience. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25
Company: STERLING JEWELERS, INC.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Sterling Incorporated, I just discovered that even after disputing with the credit bureaus, there is still an account from your company being reported improperly. I am not sure of the origin of the account. This is why I would like validation of the debt to verify its accuracy. I need to examine the billing statements that show how the balances accumulated and the original signed contracts or applications giving the original creditor permission to bill me. I have been the victim of identity theft in the past.. At this point I am not alleging it is a fraudulent account, however ; it is a possibility. I need to look through these documents to determine if the account or charges to the account were the result of unauthorized use.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25
Company: Penn Credit Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice from Penn Credit Corporation stating that, " The City of XXXX has retained Penn Credit to collect outstanding delinquent parking citations. Previous notices from the City have gone unpaid and remain delinquent. <P/>... <P/>ID NUMBER : XXXX CITATION # : XXXX '' I have no outstanding parking violations. I have received no previous notices. There is no license plate or vin # on the collections notice. Their website is difficult to navigate, & do not have time to wait on hold to speak to someone regarding their mistake. <P/>I am continually getting notices like this that are typically a matter of incorrect data entry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 initiated a complaint against XXXX  XXXX XXXX in ( XX/XX/2022 ) questioning whether I agreed to a payment arrangement that destroyed my good credit. I made this complaint to the XXXX credit agencies, XXXX, TRANSUNION AND XXXX who came back and verified that I indeed agreed to a payment arrangement that destroyed my good credit without providing information on this verification. There is no evidence with my signature and/or voice recording that will substantiate a verified claim. So how did these agencies verify this complaint?

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 2017-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XXXX of XXXX, I was going to take out my first loan on a car and the first time I was ever going to check my credit report. Transunion has me as deceased and after numerous calls to fix the issue, they have given me the run around. Below are dates and times. 
-XX/XX/XXXX : received denial letter for car loan as it said I was deceased. 
-XX/XX/XXXX called transunion and they said they would take care of it. 
-XX/XX/XXXXwent to social security office and they told me they were all good and it could be human error on transunion part and to follow up. 
-XX/XX/XXXXcalled transunion and the automated said my social security was under maintenance. 
-XX/XX/XXXX called transunion and they said they do n't have any documents regarding my social security and would need to file another complaint. 
Nothing is getting done and I 'm just tired of getting the run around with this company. I 'm not decreased and it 's the only company that has me listed as such. It really weighs on me because I was going to buy my first car and really waited til I was XXXX years old to do this. I wanted to be responsible and now because someone else 's irresponsibility, I 'm stuck and in their eyes, dead.

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 2021-10-06
Company: Fidelity National Financial, Inc
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I AM REQUESTING ALL DOCUMENTATION PERTAINING TO THE FOLLOWING COMMERICAL PROPERTIES. THIS INCLUDES COPIES OF DEEDS, CORRESPONDENCE WITH AGENCY OWNER, ANY EVIDENCE REGARDING BLDG PURCHASE SUBMITTED BY XXXX XXXX, AGENCIES NAMES XXXX XXXX XXXX XXXX XXXX XXXX ATTACHMENT AND BONDING XXXX XXXX XXXX XXXX XXXX XXXX AT XXXX, XXXX XXXX, XXXX GA XXXX XXXX XXXX AT XXXX XXXX XXXX, XXXX GA XXXX

Company response to consumer: Closed with explanation