BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I deposited a credit card courtesy check for {$5000.00} via mobile deposit to my XXXX checking account. The response I got via the app was that the deposit was not successful. I then deposited the check via a mobile deposit to USAA. That deposit was successful. On XX/XX/XXXX I  received an email from XXXX stating that the deposit was successful. I immediately called XXXX and told them when the app said the deposit was not successful I had deposited it to another bank. XXXX said they would not complete the deposit. On XX/XX/XXXX I looked at my USAA account and saw that the {$5000.00} deposit to USAA had been reversed. I called and was told I could n't deposit a courtesy check into the account. They could n't tell me why. I believed at that point, that the {$5000.00} was not deposited anywhere and my credit card ( that the courtesy check was drawn on ) would n't be charged. Around XX/XX/XXXX I looked at my USAA account and saw that my credit card was  charged the {$5000.00}. I spent the next 10 days or so trying to resolve the issue with USAA ( the bank the credit card was through ). Every time I received a different reason why I owed my credit card  {$5000.00} yet had not received {$5000.00}. I finally spoke with a corporate person and she said USAA had paid the {$5000.00} to XXXX. I began calls to XXXX. They say USAA put a hold on the check and did n't pay it and they claim that when they call USAA their calls are n't returned. It 's been more than 5 weeks and I now owe {$5000.00} yet received nothing for it. Each bank claims they do n't have my funds yet the credit card side of USAA wants me to pay for the funds. No one will take my calls and I do n't know what else to do. I got as far as the executive level with each institution and still no resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Experian Information Solutions Inc.
State: MO
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:
My identity has been compromised. I was just made aware today when I received a letter in the mail confirming my address change that I did not make. I live in Illinois where Ive lived for over 20 years. I have never lived in XXXX GA nor do I know anyone at that XXXX address. XXXX XXXX ( XXXX XXXX XXXX XXXX ) will not help me correct this issue. Someone not only updated the address but changed my phone number which has been XXXX for 15 yrs. they also change my email address and requested a new card. I'm not sure what is going on but I am in no way responsible for this account. Ive reached out multiple to times trying to get XXXX XXXX to understand that my identity is being used fraudulently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The credit bureaus are still reporting inaccurate items after their investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: DISCOVER BANK
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had two Discover credit cards XXXX and XXXX, which I stop using due to them NOT following Federal court orders. I would authorize {$100.00} payment from my bank to them It turn into {$1000.00} to {$10000.00}. My bank will not transfer any amount over {$100.00} due to Discover trying to take more money they authorized. Discover also transferred money from my other charged cards with out my Authorize! The problem is that they been charging my cards the amount that they try to steal. From before 2012 to the president Discover has been ordered by the Federal court to stop this. They set up fake account and transfers money into it from most of the time seniors cardholders. Sorry for all the complaints I am a XXXX XXXX era Veteran being treated for among others problems XXXX XXXX by the XXXX hospital. I have forget a lot of the illegal actives that Discover has done to me these past 7 to 8 years!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have a Guitar Center card through Syncrony Bank. I placed an order on XX/XX/17 that I cancelled around the end of XXXX because GC refused to give me a ship date. Around the end of XXXX I noticed that the hold was not released to my Synchrony account. I have contracted both them and Guitar Center at least half a dozen times since late XXXX and the have not restored to balance of my credit account to what it was before the hold.

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 2021-11-28
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX. reported information on my Credit report not authorized .a bankruptcy

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: EQUIFAX, INC.
State: MS
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 several occasions, I have, to no avail, been disputing erroneous tradelines that have been reported to my Equifax Credit Report. Once the credit reporting agency responded stating that the erroneous tradelines where verified by the furnishers as belonging to me and accurate, I requested from the credit reporting agency a description of the method that they used to verify the erroneous information. The credit reporting agency has failed to provide that information to me within the allotted time frame but is still reporting the erroneous information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
A few years back we entered into an agreement to have my student loans reinstated and have a payment plan. Part of our agreement was to have the late payments removed from my accounts and updated with all 3 credit reporting bureaus. This was never done despite us following through. This is now negatively impacting my 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 explanation
Consumer complaint received 2021-03-25
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
CREDIT ACCEPTANCE CORPORATION has used abusive means in the collection of debt on muti consumer reports CREDIT ACCEPTANCE CORPORATION has written " 30 days past late '' " 180 days pass due '' or " collections '' words like this are very controlling threating and scary statements under 15 usc ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

and ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 

The statements made by this company has messed up my reputation also caused me many years of abuse for not being able to finance a next car due to the words that were stated by leaving me with mental instability

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 2021-08-09
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My complaint against Shellpoint Mortgage Services is falsifying information within my account, failing to follow through on the ACH promised to fulfil the escrow amount of money owed to me and lastly, using a stalling technique to keep from paying the escrow owed to me. 
Note : all of the conversations between those at Shellpoint Mortgage Services and me were recorded on the part of Shellpoint Mortgage Services at Shellpoint Mortgage Services as well as recorded during my calls to Shellpoint Mortgage Services. 

Today I spoke with XXXX XXXX of Shellpoint Mortgage Services at XXXX XXXX  confirming the mortgage was paid off and added that Shellpoint Mortgage Services owes me {$2800.00} but would not ACH the money into my bank account. 
On Thursday, XX/XX/2021 at XXXX XXXX  I spoke with XXXX at Shellpoint Mortgage Services, who confirmed the wrong account number was in the file and transferred me to XXXX XXXX in customer service. After providing her the same info she agreed that Shellpoint would electronically transfer the {$2800.00} within 24-28 hours to the correct account. 
On Monday, XX/XX/2021 at XXXX XXXX spoke with XXXX at Shellpoint Mortgage who took my bank routing number and account number advising that a transfer would take place regarding the escrow amount of {$2800.00}. 
On Friday, XX/XX/2021 at XXXX XXXX confirmed that Shellpoint Mortgage had not received final payment. 
On Tuesday, XX/XX/2021 at XXXX I checked with Shellpoint Mortgage had not received final payment.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Hello! 
After reviewing my credit report, I discovered an unrecognized inquiry on my TransUnion credit report from XXXX on XX/XX/2019. I contacted the company, and they were supposed to remove it. However, it has passed several months already, and the inquiry is still on my credit report. 

TransUnion credit report XX/XX/2019 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 2020-11-18
Company: CURO Intermediate Holdings
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I got a payday loan from Rapid Cash in XXXX XXXX in XXXX. I unfortunately never paid anything towards it. Every year the debt is reported as new or just opened on my credit report as it now shows it was opened in XXXX of XXXX, which is utterly false. I havent been in a Rapid Cash store in years. The collection agency, XXXX, keeps on renewing this debt so it wont fall off of my credit. They are unwilling to correct this problem and are difficult to work with. Isnt reporting false information to credit bureaus illegal? A XXXX  representative suggested I file a complaint. Please stop XXXX from their corrupt practices and from harming my financial health.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello, and I hope all is well. While reviewing the credit profile to XXXX/Equifax/XXXX, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. XXXX XXXX hired a third-party collection of  XXXX to report items on the credit profile. Wanted to satisfy the debt. Customer service refused payment, requested documents, documents sent. If practices failed with refusing payments, as a consumer, my credit shouldn't be compromised. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: AMERICAN HONDA FINANCE CORP
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
On XX/XX/XXXX, I purchased a new XXXX XXXX XXXX at the XXXX XXXX dealership [ XXXX XXXX XX/XX/XXXX XXXX -- XXXX, TX XXXX ]. I arrived at the dealership at around XXXX XXXX, but I was only able to leave the dealership with the new car at around XXXX XXXX. 
During the long negotiation with the sales person I was promised a certain car, with a set of accessories, for a certain price. Needless to say, I was very tired by the time I was invited to sign all the papers, and in fact I asked the financial agent there if any client had ever asked them to have the paperwork printed ( it's all digital now ) and read before signing them. The stated that only a very, very few do. 
Before I proceed, please notice that I had no interest in any of those accessories which supposedly came with the car ( for example, I did not receive a " certificate '' for the so called RESISTALL application ), but I was told that I would be given a discount to close the deal. Noted discount would essentially deduct the value amount of those unwanted accessories from the final price, bringing it back close to its MSRP figure. That sounded attractive, however the car color combination I chose wasn't readily available at that dealership, so it had to be brought in from another place -- which is what happened ( I have copies of the two different estimates -- both, however, amounting to around US {$27000.00} ). 
A few days later, while trying to register my new car in the Honda Financial Services website, the system would not recognize the vehicle VIN number, so I called the dealership. I was told that the contract was still being processed ( which is odd ). So I went back to the paperwork copies I had been provided that Friday late evening. To my surprise, the amounts were all out of place, out of sequence, and some items were MUCH different from what was agreed by me. The RESISTALL, for example, was offered ( more of an imposition, in fact ) at US {$490.00}, but it now showed as US {$1100.00} in the financing papers ). All the license fees were now IN ADDITION to the agreed total price, whereas they were included before, etc. Further, a new line " amount paid to other on your behalf = US {$420.00} '' showed in the final papers. Noted amount was not seen in the initial proposal ( which both parties had previously signed ). I contacted the dealership, but they only offered to refund me the " RESISTALL '' amount *difference* of US {$630.00}. However, besides all the time I've spent with this issue, all the grief, if I account for all the taxes, fees, and " amounts '', the total difference seems to be US {$1400.00} instead. Not to mention that said amount is now part of the financed total -- and I'll pay interest for it!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: Experian Information Solutions Inc.
State: MA
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:
Hi and how are you doing?

Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2021-08-09
Company: United Revenue Corporation
State: LA
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:
I have an account from United revenue Corp I have no knowledge of this account it isnt mine!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-18
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello, and I hope all is well. While reviewing the credit profile to Experian/XXXX/XXXX, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. XXXX XXXX hired a third-party collection of  XXXX to report items on the credit profile. Wanted to satisfy the debt. Customer service refused payment, requested documents, documents sent. If practices failed with refusing payments, as a consumer, my credit shouldn't be compromised. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: CITIBANK, N.A.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I opened a savings account with Citibank. In one fell swoop, one day later, they removed {$250000.00} from my checking account. I did this because they a decent interest rate. I went to get my money back a month later for a real estate transaction, and they say I can only withdraw {$15000.00} a month. It will take 18 months to get my money back. On top of that, their website won't even let me withdraw that amount. It just says it is too much. I've spent countless hours in chat boxes and on the phone trying to get my money. They offer to send it back in chunks if I will pay fees for doing so. But even at that, I can not do it in one transactions, only in a series of separate transactions. 
When I did get one transaction for {$7500.00} to go through, they took the money out of my account and held it for five or six days before sending it to my bank. For a money transfer. They had no trouble when the money was inbound, getting the transaction done in a few seconds. They are not paying interest on the {$7500.00} while they hold it " en route ''. 
Finally, they should have disclosed I could not retrieve my money for a year and a half if I opened this account. A CD would have made a lot more sense and been far more flexible than their so-called savings account.

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