BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-18
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have had the POA responsibility for my XXXX year old mother for over a year with mother 's Union Bank 's checking and money market account. I also have durable power of attorney. 

Mother has XXXX  XXXX. 

On XX/XX/2018 my sister took mother to the bank and had me removed and herself put on as POA. 

There should have been a notation on the account to call me if any changes were trying to be made, whereas this has happened before with my sister making changes without contacting me. I was never contacted. 
I feel the Union Bank Vice President, Branch Manager, XXXX XXXX has been negligence in his fiduciary duties to protect my mother from undue elder abuse influenced by my sister. He states mother is of sound mind. 

My sister has a history and a pattern of taking mother 's money and not paying her back. Mother is in an assisted living environment and needs her limited resources to pay for the cost of her care. I explained that to Union Bank branch manager XXXX XXXX. 

My sister does not allow mother to spend the night at her home. She " doesn't want to be a care giver. '' My sister has financial problems. 

I believe Union Bank has a fiduciary responsibility to protect mother from elder abuse. 
I showed XXXX XXXX my durable power of attorney. He said his bank 's POA supersedes the durable. I beg to differ. There is a pattern of check cashing neglect. Mother ended up in the DA 's check cashing fraud dept. earlier this year, when my sister had changed and closed the account last XX/XX/XXXX .... I took care of the problem for my mother. 

I feel the bank needs better training in supporting their senior clients from elder abuse. 
I will be reporting this to the XXXX County DA Elder Abuse dept. 

If my sister withdraws mother 's money for her own personal use, I will hold Union Bank, XXXX XXXX responsible.. They have been forewarned of that possibility ..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Both XXXX AND Equifax but even more so XXXX since they are assessing me a fraudulent insufficient rating in my opinion have kept a 20+ year old student loan that was intiated when I was about " XXXX years old '' at a hair dressing school for which I was NEVER given loan information, counseling nor ever had it properly explained to me. I was NEVER even told the amount being borrowed in my name NOR given any documentation at the time. The loan was taken out by " then owner '' of XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX. I " believe '' by the former owner XXXX XXXX or XXXX or one of his appointments handlers at the school at that time ( circa XX/XX/XXXX ). 

Both XXXX AND Equifax have had this single loan listed NOT ONCE but " 3 '' times on my credit report! This should be illegal!!! I only ever had the 1 as mentioned " fraudulently obtained '' loan 20 years ago ; which furthermore it was a trade school & I was unable to finish & only attended a few months " part time '' no less & as a result returned all of the equipment & books & materials given to me when I first enrolled. A clerk at the school assured me that ANY loans taken by the school in my name would be canceled out! CLEARLY ... I discovered to my HORROR that this was a LIE! Not only was it never canceled out ; it was reported as delinquent some years later for which I " hand wrote '' letters of dispute to the Big 3 Credits Bureaus at the time. Not only has the loan not been removed from my credit history it is, as mentioned reported on my XXXX XXXX account as " 3 closed & unpaid student accounts ''! This is a fraudulent account & I have been victimized by this single situation almost 20 years now! I've been denied jobs, apartments, credit cards, personal loans ALL because of this singular false accounting which is listed as 3 by both XXXX & Equifax! This is a long time abuse upon me as a citizen in this country, especially since, I have NEVER had a single credit card, personal loan or mortgage yet to this day at almost age XXXX & being refused things like shelter and employment based on a fault credit history is an absolute disgrace & needs to be addressed immediately! PLEASE MAKE THEM FIX THIS!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-03
Company: EQUIFAX, INC.
State: CA
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:
Whenever I try to obtain a credit report through Equifax for free ( either as an annual report or due to a denial of credit ), the system won't allow me access to my report. However, if I try to purchase a report, they will provide it for me immediately. In the past, I would purchase the reports because I needed them for something immediately, but now I know I can report this practice. 

On XX/XX/2018, I tried to obtain my credit report due to denial of credit. I went through the online system and successfully supplied my correct information. It stated I was entitled to a free report. When I clicked to retrieve this, it stated " online delivery unavailable '' and gave me the customer service number to call. I called the number and went through the prompts within the automated system and was provided a confirmation number and no additional explanation. The system then stated it would connect me with a representative. The line hung up on me. Immediately after, I contacted the Equifax customer service via chat, and received terrible service. I stated, " I requested my credit report ( I was denied recently ) and when I finished, it said, " online delivery unavailable '' and gave me information to call. I called and went through the prompts, receiving the confirmation code : **********. Then the phone hung up on me. Someone allow me access to the report I'm entitled to. The only time I have issues obtaining my report is when I'm supposed to receive it for free. '' The representative said they could not help me and referred me to the number that had disconnected me. I stated that I would file a report about this issue and they ended the chat without any conclusion from me. 

After the way Equifax leaked so many customers information ( including  mine ), I believe they shouldn't be allowed to operate as an agency anymore. They aren't able to be responsible to its customers or their information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I had USAA through XXXX XXXX in XXXX and XXXX, I became XXXX in XXXX when my father died. XXXX and XXXX XXXX have convicted a fraudulent scheme involving me and my son 's identity and defrauding several insurance companies, IRS, XXXX, XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
My student loans are with XXXX. I have always made my payments on time. For whatever reason, there are late payments on my credit reports. As you can see in the letters I attached, I've always had great payment history with these accounts, then it randomly shows 90 days late the next month after on-time payments. This simply isn't possible. I tried contacting Equifax, XXXX, and XXXX, but none of them have responded to my request. I have highlighted the clear errors in their reporting in my attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: Meade & Associates, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently received a copy of my XXXX  credit report that shows a collection that should have been removed off my credit. I was advised by the collection agency representative that the address they had in there systems did not match the correct address for me, therefor I was not notified properly of the debt in question and if I paid the debt it would be removed off all 3 of my credit reports ( XXXX. XXXX, XXXX ). Attached is a copy of the XXXX  credit report where the item was deleted but as of today XXXX is still reporting this debt on my report. I am no longer reponsible for this account and it is negatively affecting my credit report, I am asking that this item be removed asap. If this account is not deleted I will be forced to contact the XXXX and seek legal counsel to file suit. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
i got a notice that I had till XX/XX/XXXX to respond - i am working on my response since the problem is now going into it's second year and i paid the disputed amount to the store just to stop the penalties and late fees for an item i did not order, sent back and was charged for, i havve spent hours of time and postage in trying to get a resolution to their stealing my money and now want almost {$200.00} from me for an item i did not order, returned, and gave up and paid for - a bit {$9.00}. 
this is shameful. 

You have 60 days from when the company responded to your complaint to provide feedback. You now have until XX/XX/XXXX to complete it. 
COMPLAINT ID XXXX-XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Credit card or prepaid card ISSUE Advertising and marketing, including promotional offers

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have written the Bureaus asking them several times how they came to determine these accounts were correct. All of them continue to stall and never explains how they verify the accounts on my credit report. I have ask them because the accounts shows errors and different dates, still not details on how the accounts are correct.

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 2018-04-30
Company: Firstsource Business Process Services, LLC
State: IN
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:
Bankruptcy Case # XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX   XXXX Original Account Number # XXXX for {$140.00} 2 Years ago after our bankruptcy was discharged we received a letter from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX IN XXXX ( XXXX ) XXXX, stating that we owed a bill from XXXXXXXX XXXX   XXXX and that we owed them {$140.00}. We checked our XXXX credit report and sure enough they recently started to report to them. We called them and told them this account was part of a bankruptcy and the bill was taken care of and that we filed a dispute online to remove it from my credit report. They denied that it was part of the bankruptcy and requested proof. We contacted our bankruptcy lawyers, they checked and it was, so they faxed XXXX XXXX XXXX a copy of the bankruptcy report. Our dispute went through, and it was also removed from our credit report. We haven't heard a thing from them since. 
Today, XX/XX/XXXX I checked my credit report more thoroughly than normal and noticed that 6 months ago, XX/XX/XXXX to be exact, they relisted it on my transunion credit report lowering my rating again. They tried to fool us by not putting the orginal date that the XXXX was on which was XX/XX/XXXX, and just listed the opening date as XX/XX/XXXX. No other dates were visable, it was made to look like a newly turned in debt. I called the XXXX XXXX XXXX and told them that my lawyer had already faxed them the information on our bankruptcy, she still denied having it telling me I needed to have them send the information in again. We contacted our lawyer again, and they are resending the bankruptcy information and we filed a dispute again with transunion to try to get this off of our credit score. Our lawyer told us we needed to contact you to get them to stop harassing me, when we paid our debts by paying off our bankruptcy.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: EQUIFAX, INC.
State: NV
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:
XXXX, Equifax, and XXXX are not taking my claims seriously. They are not providing any evidence of how they made their decision. If you ask them to show you how they verified the negative information on my file they will not have an acceptable answer. All I ask is that they conduct a fair investigation but they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Since XXXX of 2020, I have been repeatedly called by Midland Credit from the numbers ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. They are looking for my mother. I have told them that I am not her and to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: Client Services, Inc.
State: NC
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:
On XX/XX/2018 I called Client Services to settle a debt. The original account was with XXXX XXXX. The Client Service representative asked me why was I delinquent on my account? I explained to her I had a medical emergency that prevented me from making timely payments on my account with XXXX XXXX. On XX/XX/2018 this debt was settled for {$220.00}. The representative ensured me a settlement letter an a update with all three credit bureaus. On XX/XX/2018 I received a letter from Client Services confirming the debt was settled in full. I called Client Services on XX/XX/2018 inquiring about the update in my credit file, since the debt was settled and paid. The representative from Client Services insured me that they would update this account with all three credit bureaus ( XXXX, XXXX, and XXXX ). On XX/XX/2018 I mailed a certified copy of my receipt to all three credit bureaus to verify this account is paid /settled in full. On XX/XX/2018 my credit score dropped 52 points! And the reason behind the huge drop was because XXXX XXXX/ Client Services added a negative remark " variable/adjustable rate '' to my credit file. Every month Client Services updates this account with a balance and negative remarks to all three credit bureaus. This account was settled on XX/XX/2018. As of XX/XX/2018 this accounts still reflects late payments, a balance, and negative remarks in my credit file. XXXX  XXXX/ Clients Services last update in my credit file was on XX/XX/2018.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent several letters asking this center to validate the debt but they simply ignored my correspondence. Also i tried to dispute with Experian but Experian doesn't bother to reinvestigate, they asked me to supply them with more documents!!! how i can prove something that does not exist!??? they claim this bill exist, so they should validate it for me.

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 2018-03-13
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I had issues with Navient this past month. They service my private student loans and until recently was granted the rate reduction on all my loans. I called in XXXX to reapply for an extension. The extension was granted for 6 months. The first payment was to take place in XX/XX/XXXX I asked to remove the auto pay option because it was easier for me to manage my finances if I made the payment myself. The agent said that removing the auto pay would not impact my rate reduction qualification. 

I logged into my Navient Portal and noticed that all my loans were placed in forbearance without my consent. I called to inquire the status and was informed that I was removed from rate reduction because I no longer had auto pay. The interest rates had returned to rates ranging XXXX %. I asked the representative to reenroll me into the rate reduction since I was removed due to a technical error. The representative rerolled me back into the program and set up auto pay once again. 

I started a refinance request with XXXX. I contacted Navient for a payoff demand. They were unwilling to provide me an accuarte payoff quote. They said that they would email me one instead. They also mentioned that if I paid off the amount in 10 days they would give me a {$200.00} discount. I called a couple of times since the payoff quote provided was different from what my navient portal provided. This time the customer service agent said no discounts would apply because she has never heard of such a thing. Also my rates were back to XXXX % on my loans. 

Navient has attempted three auto pay withdrawls on my account and cause three insufficient fund fees. 
XX/XX/XXXX- {$430.00} XX/XX/XXXX- {$430.00} XX/XX/XXXXXXXX XXXX ALL these payments should have been cancelled since I told them that I had been approved for a refi with XXXX. The loan funded today on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: Navient Solutions, LLC.
State: NJ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
my attorney sent a letter XX/XX/XXXX disputing the debt - the loans the company is calling me about are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: EQUIFAX, 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT HAS BEEN REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT FILE. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On XX/XX/XXXX a fraudulent collection account Ive never heard of was placed on my Transunion credit report causing a 58 point loss. I disputed this account with Transunion as well as filed a complaint with the Consumer Financial Protection Bureau. On XX/XX/XXXX the account was removed from my credit report. On XX/XX/XXXX the exact same account was reinserted on my Transunion credit report resulting in a 58 point loss to my credit score. I never received notification by law from Transunion that they were reinserting this fraudulent account. Now my score has suffered further. They are required by law to notify within five days but I NEVER received notification. This is causing me distress all over again.

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 2019-08-26
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
Dear to whom may concerned, Here are some details : when we opened this joint account with citi-bank, the person who helped us didn't mentioned about a monthly charge fee. For the past 12 months, they have been charging this account for XXXX dollars, accumulated for XXXX dollars. I called them through phone, they are only able to refund me XXXX dollars. They told me to go to a branch to take it further. then i went to the bank. the first bank i went to they told me that their manager will contact me through phone. so i went back home and i got nothing from them since then. then the next week, i went to another citi bank 30 minutes away from where i lived. they also told me to wait for call. for the following days, i went to them several times. they either told me that the manager is not available or to wait for their call. I was able to get a direct number of the manger. i called this number for more than 5 times. the assistant picked up the phone and told me that the manger is not available and will reach me back. for the last 3 weeks. I've been reached out to them, and i got no reply. nothing at all. this is the worst experience i have with a bank. I am asking for your advise on how i can do to get this fee reimbursed and i want to know what i can do to their behavior of treating their customer. 
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 monetary relief