BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Opened new credit card for my son, XXXX/XXXX/XXXX, XXXX credit score provided at account opening was XXXX. I made NO CHANGES nor requested ANY changes regarding my existing credit card that had my son as authorized user on. Unknown to me and without my consent, the XXXX account representative, converted my historical " paper statement '' from account opening over to " e-bill '' statement resulting in me not receiving any bills. The fact that I did n't get any statements, again not knowing any changes had been made, resulted in the bill being late. Once a delinquency notice was received the money was immediately transferred over that day as ample funds ( large deposit balance ) was in the XXXX Checking account, therefore zero reason not to pay other than XXXX illegally, unfairly, and deceptively changed my periodic billing statement over to e-bill without authorization resulting in my receiving no bills. XXXX did refund the late payments assessed but that was the minor fix, they have ruined my son 's credit score and drastically impacted my nearly perfect credit score.

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 2017-09-11
Company: EQUIFAX, INC.
State: MD
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:
I heard about the Equifax hack last week. I went to the internet site to determine if my information has been compromised. Each time I attempted to get information from their site, their site application hung-up, froze, I called and was told the site was overloaded. I suggested they make more resources available to handle the requests. Several days passed. Site still hangs. I tried to call several times and now get disconnected. I want to know what the status of my exposure is because of Equifax 's error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a notice in the mail from " Complete Payment Recovery Services, INC '' stating that an electronic payment in the amount of {$4.00} was returned unpaid and has been referred to Complete Payment Recovery Services for collection. I've never heard of this organization. The letter was addressed to " XXXX XXXX '' with my address.

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 2020-06-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
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:
On XX/XX/2020 hard inquiries were reported on my credit report. They were not given permission by me. I contacted both XXXX and XXXX multiple times to have this resolved and removed from my report. This company has either pulled via XXXX and/or XXXX. I did not authorize these hard pulls on my credit report. And they have not sent me any signature from me allowing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I had authorize a stop payment to chase two months ago and theyre still charging my account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-05
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX and I had a small business account at TD Bank at XXXX XXXX XXXX XXXX, XXXX, VA XXXX. The name on the account was XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 

Three months ago I noticed a deposit of {$4000.00}. I had no idea who made the deposit and I went directly to my bank to see what was going on. It seems someone made 4 {$1000.00} deposits to the bank and I notified XXXX XXXX a financial services representative of the bank that this was a fraud. She then froze my account and I was locked out and I could not even get a to see my account online. 

In three days they found out that as I told them the checks were no good and the bank still keep my account frozen and charged me 4 {$20.00} fees and a charge for being overdrawn. I was not allowed to make any deposits into my account from the moment it was frozen.

The bank made me fill out an affidavit of fraud for each check and they sent me a copy of the check for me to review. All four check where never signed by issuing party and the signature on the back of the checks was not mine.

I have made 9 trips to the bank and I was informed that someone sent in another check for around {$9800.00} while the account was frozen and they accepted it but they have never shown me a copy of the check and this one also bounced and once again the charged me {$20.00} for a return check and {$35.00} for a service charge. 

I received a call from the fraud department and I made them call the head teller to verify that this person worked for the bank. After I talked to this individual he informed me that he was looking into the matter and would get back to me. I have never heard from this person since that call. 

I have been working with the head teller, assistant manager and two financial reps and I was informed that the bank was working on it and I had no worries and they were not going to do anything until the end of XXXX. 

At the end of XXXX, they closed my account and turned it over to a third party to collect the fees the bank charged for the bad checks, even though my account was frozen part of the time and they were warned that the checks were a fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-05
Company: Shellpoint Partners, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage company Shellpoint mortgage continues to refuse to send out monthly billing statements. On several occasions I have called and requested a statement and have not received one. Additionally, they do not show up to date information on previous payments, and I have noticed that principle payments that were made along with the finance charge were not displayed. When statements were sent they are mailed to me so late that by the time I sent the payment in they called me saying it was late. I told them that they send out the statements too late and to send them in a timely manner, they refused to help with this problem. As of XX/XX/XXXX I have yet to receive a statement from them, when I go on line the information for my statements is unavailable. I do not know that the principle payments that I have made for XX/XX/XXXX and XX/XX/XXXX are accurate. Therefore I am requesting a detailed report of all the principle payments I have made for XX/XX/XXXX and XX/XX/XXXX.  I further request that statements be mailed out to me in a timely manner.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
We purchased our vehicle XX/XX/XXXX. We called to find out who our finance company was multiple times but the dealership stated the company would send us a payment coupon book and to wait until they did. When we finally got notified of who to pay which was world omni finance they told us we owed two months in payments when we had only owned the vehicle for 1 month. We made our payments work to not be 30 days late but always had to pay at the last minute and carry a balance due to this accounting error. In XX/XX/XXXX we were affected by hurricane Irma. We asked for assistance during our time of need as we could not return to our home and did not have power pr basic necessities. They refused stating they would not provide assistance because our account was less than 6 months old even though a major catastrophe had just occurred. We tried our best to keep up payments which put us almost 3 months behind in XX/XX/XXXX. In XX/XX/XXXX we sacrificed XXXX  for our family to get caught up on payments for the vehicle. They have not been good to deal with or understanding. Being late with no assistance caused a major hit to our credit which put us back financially again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AD ASTRA RECOVERY SERVICES HAVE ON MY CREDIT REPORT THAT I OWE THIS DEBT I SEND THEM VALIDATION LETTER CERTIFIED FOR THEM TO SEND ME THE INFORMATION ALL THEY SEND ME WAS SOME PRINTED PAPER THEY DID NOT SEND ME A LIST OF ITEMS THAT I REQUEST FOR VALIDATION

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: Hollis Cobb Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeatedly calling me about a medical debt and told me that I should be getting the notice in the mail but the doctors office never contacted me and I paid a bill from that doctors office in XXXX of 2020. Its the same woman that is calling and she leaves the exact same voicemail every time. The doctors office is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My complaint is against Transunion, XXXX, and XXXX  for incorrect information on my credit report. I had a debt with U.S. Department. of Veterans Affairs that was never put in collection that was paid in full. I contacted U.S. Department of Veterans Affairs on  XXXX XXXX, 2020, and asked why did they report a charge off on my credit report with Transunion, XXXX, and XXXX U.S. Dept. of Vets Affairs said they only reported paid in full they never told Transunion to enter a charge off on your credit report, in fact they  never say charge off only paid in full. Transunion, XXXX, and XXXX  how many Veterans have you done this to without the permission of U.S. Dept. of Vets Affairs it seem we have an big problem here. What I need for Transunion, XXXX, and XXXX  to do is remove the charge off from my credit report and put my credit score where it supposed to be expeditiously or I will be force to legal  action against Transunion, XXXX, and 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 2020-06-24
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
During the XXXX financial crisis, I was unemployed for 6 months and this put me in debt. After getting a full time job, I applied for a loan modification with Navy Federal Credit Union ( NFCU ) and I was told by the rep that NFCU could not approve me because of my credit card debt. I told them I was working out payments with the creditors too, but the response was clear, if I didnt have those Credit card payments I will be approved the modification, so I told NFCU my house was more important and I stopped paying my credit cards and my temporarily loan modification was approved. Later, I got suit by my creditors and this pushed me into bankruptcy in XXXX. NFCU told my bankruptcy attorney that they will not do a reaffirmation agreement, but I continued to pay this loan for 2 more years, even though my debt to Navy Federal Credit Union ( NFCU ) was discharged in bankruptcy in XXXX. Because my property was underwater at the time of the bankruptcy, this junior lien should have been stripped from my property. This was the practice at that time, but for some reason the lien is still attached to my property. Because of this lien, I have not been able to take advantage of the low rates, like many Americans, and I have been forced to pay a high mortgage rate for my first mortgage. Now with Covid-19, Im facing financial hardship. My first mortgage has a high rate, but I can not refinance because of this junior lien from NFCU. I sent NFCU a letter this week asking them again to release the lien, so I can avoid the risk of loosing my home. I need your help to get them to release this lien. NFCU has charged off this debt already and I even paid them interest only on that loan for 2 years after the discharged but enough is enough.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: Comerica
State: KY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On Friday XX/XX/2019 at XXXX central standard time I set up a funds transfer with XXXX XXXX to put XXXX into my XXXX XXXX bank account it turned out that it was not allowed to do this unless you done it before no where does it say that I was told I wasn't getting any if my money back and I have contacted the ftc Federal reserve bank and department of Justice us attorney office with that being said I was notified by XXXX XXXX   that I will have all money totaling XXXX back in my card in 5 days from the time the transaction took place

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Experian Information Solutions Inc.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I tried to open a new bank account. 
The bank said I placed a freeze on my Experian account and all I needed to do was contact them to have it lifted. 
I called Experian. Their initial contact recording kept saying my s/s number is incorrect. I could proceed no further. 
I went to their website. It said I was not using the correct format for my address. To solve the problem I could delete my pin number to bypass the problem. I took out the pin entry, but still could not get past my address. 

This company needs to have real people answer the phone, or real people answer a chat to solve simple problems like this that should not have happened in the first place. They even control whether I open a bank account or not!

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 2018-04-24
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: Personal information incorrect

Complaint:
Contacted Experian via written correspondence and phone. They are STILL reporting invalid addresses on my credit report that needs to be deleted

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 2020-06-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
( USAA MASTER PLAN TO COLLECT CANCELLATIONS OF DEBT ) USAA OPENS ( 2 ) Two DELIQUENT ACCOUNTS** This MUST be in Violation of Fair Credit. See attatched Mastercard statement XX/XX/XXXX *bal {$100.00} & Visa end XXXX. XXXX {$470.00} ) attatched were opened by USAA I DID NOT AUTHORIZE OR APPLY BOTH OPENED XX/XX/XXXX. See attatched USAA 1099-C. Visa/MSTR DEBT Account XXXX CANCELLATION DEBT {$9.00}, XXXX Box 5 Borrower ( * WAS ) personally liable Box 1 Date of Event XX/XX/XXXX. USAA COLLECTS USING FRAUDULENT DELIQUENT ACCOUNTS THEY CREATED. SEE ATTATCHED XX/XX/XXXX USAA ( DID NOT SETTLE UNTIL XX/XX/XXXX ** claiming to be deliquent selling account for collection. AND THE NEXT MONTH TWO CARDS XX/XX/XXXX USAA OPENED ) They opened 2 creditcards of member they claimed HAD A PAST DELIQUENT ACCOUNT??? See attatched XX/XX/XXXX CREDIT CARD FRAUD CLAIM claim date XX/XX/XXXX {$470.00} ( UNAUTHORIZED TRANSACTIONS DID OCCURRED. ) see attatched XX/XX/XXXX CFPB RESPONSE. XXXX XXXX of USAA staff CONFIRMED USAA *HELD ME LIABLE FOR THESE UNAUTHORIZED TRANSACTIONS {$470.00}. See attatched USAA REVIEW OF CLAIM. XX/XX/XXXX. USAA DETERMINED *NO FRADULENT ACTIVITY TO GET THE {$9.00}, XXXX BACK BY OPENING TWO FRAUDULENT ACCOUNTS Using my private ID data from MC XXXX USSA DID NOT CLOSE ... .AND then MADE A PAYMENT FOR ID THEFT I DID NOT AUTHORIZE STEALING SOCIAL SECURITY XX/XX/XXXX TO COLLECT THIS IDENINITY THEFT case XXXX. USAA ARE THE CRIMINALS IN MY HUMBLE OPINION.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my 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 explanation
Consumer complaint received 2019-02-05
Company: Aldridge Pite, LLP
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On or around XX/XX/2017 ALDRIDGE PITE LLP and agent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, filed a adverse action claiming a Business has appointed him attorney in fact to seize my personal property which is used for household purposes. They have stolen my identity and created fictitious documents. I had a private agreement which these people and entities are not privy to, but somehow they have all my information including my social security number. XXXX XXXX XXXX was the complaining party stating the business entity XXXX XXXX XXXX XXXX, XXXX, DBA XXXX XXXX, NOT INDIVIDUALLY BUT AS TRUSTEE FOR XXXX XXXX XXXX XXXX submitted an affidavit swearing to own my household goods ( Home ) which they have no security interest. XXXX XXXX XXXX has also used my name without authorization or consent or any contract whatsoever claiming that I a natural woman gave a business XXXX XXXX XXXX XXXX XXXX in California power of attorney to act on my behalf. No such document exist! furthermore a business can not be appointed attorney in fact or power of attorney for a natural woman. Another agent by the name of XXXX XXXX. XXXX Bar # XXXX is also claiming the same and has send threatening mail to my domicile for a fictitious obligation. I have sent the firm a trespass warning and they continue to violate my rights by submitting fraudulent documents on the public record. These people are debt collectors and I requested the contract that they claimed exist and they refuse to comply and now i am homeless due to their treasonous actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. 

XXXX XXXX XXXX {$1700.00}

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
Consumer complaint received 2019-05-29
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX/XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 3 of the attached credit report. This account report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation