BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-09
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2019-02-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XXXX is an agency employed by USAA to manage mortgages and escrow accounts. XXXX manages our mortgage and escrow accounts. 

Our property has two tax accounts on it. XXXX paid one account in the amount of {$6.00} ( with  {$0.00} credit for full payment on time ). This account was paid on time, by XX/XX/2018. XXXX failed to identify the second tax account on the property. They failed to pay on time, thereby forfeiting the 3 % discount available ; and they incurred late payment interest charges. 

We had paid sufficiently into the escrow account to cover the second tax bill. XXXX mailed a check to us because they did not recognize the further tax obligation. 

We identified the problem and notified XXXX of the error on XX/XX/XXXX. XXXX directed us to destroy the overage check, and promised to pay the outstanding balance. 

Multiple phone calls and two letters have ensued as we attempt to correct the problem. XXXX eventually paid the taxes, but have made a mess of our account. Our escrow account should show a balance of {$1000.00}. They indicate a deficit of - {$2800.00}. They can not account for the balances or deficits that they are reflecting on our statement.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: TD BANK US HOLDING COMPANY
State: ME
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:
I received a W2 from TD Bank for XX/XX/XXXX. I was not employed by TD Bank in XX/XX/XXXX and called HR and spoke to XXXX on XX/XX/XXXX to inquire what the W2 was for. She thought I had received someone elses W2 in error and said someone would get back to by the next day with steps to take to resolve. I received an email from XXXX XXXX on XX/XX/XXXX informing me that the W2 was for a payout from my HSA account that I received on XX/XX/XXXX. I explained to her that not only did I not receive an hsa   payout but I did not have an hsa account at that time. She informed me that payroll does not handle elections and I would have to call the TD Benefit Center. I called the benefit center and spoke to XXXX on XX/XX/XXXX. XXXX called the hsa provider, XXXX, and we both spoke with XXXX. XXXX confirmed that I did not have an hsa account at that time. XXXX recorded the entire conversation and I asked if they could trace where a check was sent or to what bank an electronic deposit was made. He said thats what would happen and that I would get a call back by Tuesday. On Tuesday, XX/XX/XXXX I received a 1099 DIV in the mail. I called the benefits center back and was told the same thing as before ... its for an XXXX payout I received. I have no idea if this is an error, if I have an identity theft concern, or if there was fraud. Both the W2 and 1099 are for the state of NJ. I reside in Maine and have never lived or worked in NJ.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I got a call from Citzens bank and it was a scam and they used XXXX XXXX to pishing money but my account was fine before this

Company response to consumer: Closed with monetary relief
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: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX  XXXX/XXXX # XXXX XXXX XXXX # XXXX remove all FCRA from this page ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX see attachments for the proof of wrong informations

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: John C. Heath, Attorney at Law, PLLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I need the cfpb to investigation the issue with Lexington Law. they stated on there wed sit that they can remove item from your credit report. and that not true. they charge all this money stated that they can remove collection item from your report and your score would go in point. let me understand this Law practice as it state on they web -sit negative item for Late payment score Decrease late payment up to110 points .and debt settlement up to125 points foreclosure up to 160 points bankruptcy up to 240 points collection up to 110 points and hard inquiry up to 15 points. now I believe that the only way you can get an account off your credit report for negative is to pay that account creditor and ask they to delete from your credit but you do not get no 100 points for get a Negative as a collection. I got a collection item by pay the creditor there but by scores do not go back up to no 110 points on my credit report on all three credit agency, what the real deal here. it call misrepresents. because XXXX. XXXX  and XXXX  agency only give you 7-12 and not no 110 points look at there web-sit. Credit repair

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2018-03-12
Company: Experian Information Solutions Inc.
State: AL
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:
Fraudulent inquiries

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 2018-03-29
Company: Paypal Holdings, Inc
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
They are from a PayPal account apparently that I owe over three hundred and something dollars that I have already paid and I keep telling them that but they don't get it they called me on XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: CITIBANK, N.A.
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: Problem with personal statement of dispute

Complaint:
I have been a XXXX XXXX Credit Card customer for years and have paid my bill each month with NO late payments. 

About four months ago, I had a minor problem with a charge on my bill - the charge was less than {$20.00}. However, due to the fact that ALL of XXXX XXXX consumer affairs calls are out-sourced to NON-SPEAKING English countries, an customer care person in XXXX made a mistake and cancelled my credit card. 

Each time I have been told that a replacement was sent, another XXXX XXXX overseas representative informs me that the last one lied and NO card was sent. 

Since, I have NO help nor success in getting my credit card replaced. Each time I have called, ALL of the customer care XXXX XXXX credit card representatives have been EXTREMELY unprofessional, spoken EXTREMELY nasty to me over the phone, and NONE could understand nor speak proper English due to the out-sourcing that XXXX XXXX do. 

Consequently, the XXXX XXXX customer care service is - AT BEST - LOUSY! Unfortunately, there are NO English speaking American customer service represtentatives available for XXXX XXXX customers to speak to! 

Currently, due to the slip-shoddy service I have received from XXXX XXXX in the past four months, I do not have a credit card! 

What can you and your staff to do resolve this problem? PLEASE do not out-source this problem to another over-seas NON-English speaking individual. 

ALL OF THE XXXX XXXX CUSTOMER SERVICE REPRESENTATIVES, SO FAR, HAVE BEEN EXTREMELY NASTY and UNPROFESSIONAL.

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 2018-07-16
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:
Contacted Transunion through mail on XX/XX/XXXX, in reference to accounts with XXXX ( 6 ) for inaccurate info being reported and received from them verified / updated dated XX/XX/XXXX. I received in the mail on XX/XX/XXXX a response from them. In the letter I requested how their verification took place for these accounts. What physical evidence do they have from which they are verifying from? I received a report informing the info was updated. I did not receive the info requested. Ive included my ID and Social.

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 2023-06-17
Company: EQUIFAX, INC.
State: TN
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 written to equifax on XXXX and XXXX and they continue to ignore my diputes of inaccurate and unverifiable information on my credit report by ignoring me. I feel violated and it has defamed my character while in the process of purchasing a home for my family. I have written to equifax several times and it has been over 60 days since my first dispute. This was not sent in error, I am a consumer by law and my information is being misused. The two accounts of XXXX and XXXX are totally inaccurate and they have not verified it by showing me how they come up with those amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: EQUIFAX, INC.
State: MS
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:
Hi, When I pulled my credit reports, I noticed many hard inquires on my credit report. That shouldn't be on there at all. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: NATIONSTAR MORTGAGE LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On are about XX/XX/XXXX, I requested through my attorney to add Nationstar Mortgage to my bankruptcy chapter XXXX plan. It took Nationstar mortgage two more month to file a claim for the principal monthly amount. from XX/XX/XXXX to XX/XX/XXXX three different amount of arrear was file. One claim of {$340.00} in XX/XX/XXXX, was file and than in XX/XX/XXXX another claim in the amount of XXXX. Can you modify escrow and not principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: SYNCHRONY FINANCIAL
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Synchrony bank calls me at all times of the day and even on Sundays. I have blocked them multiple times and they use multiple phone numbers to make the calls. I am using a debt management company to help me with my debt and have tried to update my information with the company directly and it is not working.

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 2018-04-05
Company: Advanced Collection Bureau, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. 

The last negative item due to the identity theft is for an apartment complex lease I did not authorize, know about, or execute myself. I disputed this directly with the apartment complex and forwarded their management a copy of the police report. They asked me to also send a copy to this debt collector, which I have now done through the official CFPB portal.

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 2020-11-28
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Direct energy has placed a charge off on my consumer report. Years ago I disputed this item, they couldnt prove the validity of the debt it was then deleted from all three bureaus. Now another collection agency placed this account on my credit, I did not receive any information prior to this erroneous information being placed on my consumer report. I have never had an account with direct energy, I have asked in the past for them to send written proof and Im making a formal complaint against : Transworld Systems, XXXX, XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2018, Chase charged me {$34.00} for each for two insufficient fund fees. The funds were available and they reimbursed me. I asked for statements from past accounts so I can see if this happened in the past and they are charging me to get those statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. Upon checking my credit I found an item from XXXX XXXX, a debt collector collecting a debt for a utility account that did not belong to 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 non-monetary relief
Consumer complaint received 2018-07-16
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
2nd case submission for additional credit, same fraud/solar panel issue XX/XX/XXXX- signed contract for solar panels ( {$50000.00} across 4 credit cards, all $ XXXX and up ) XX/XX/XXXX - called into customer service to see what options ( had not received solar panels yet ) - was told max $ XXXX return - so continued to work with solar company and their date extensions due to " rains '' XX/XX/XXXX - solar company quit responding XXXX - hired lawyer- got nowhere, credit dispute dept basically told lawyer they could not even settle with me until my card goes 90 days delinquent Currently - I am now 90 days delinquent and settlement offers are lame- and principle of the matter of having to settle for something I never got is physically upsetting That solar company closed shop, 1 owner ran and the other opened another solar company in our same area yet I can't do anything to them to get my money back. 0 % looked great as an option for solar panels vs 5 % min bank loan - now its a nightmare Citibank and XXXX XXXX both clinging to 120 days to report fraud. I wouldn't have known at that point.

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 2023-01-29
Company: WELLS FARGO & COMPANY
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I had an Auto Loan through WellsFargo between XXXX. I believe I was misled and overpaying for my WellsFargo auto-loan. I ended up having to get my XXXX XXXX that was loaned through them repossessed and it eventually even messed my credit up so bad that I had to end up filing bankruptcy in 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 2023-01-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Portfolio Recovery Associates sending my letters and calling me about old debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX I try to fix this issue by dispute and try to negotiate instead they threaten me to take legal action if I dont pay them this debt. Please stop threatening me and remove this collection from my report due their debt collection practices and not validating this debt on time under the law FCRA regulations and requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-19
Company: BMW Financial Services NA, LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Although I make my payments timely, they are continually reporting my payments as late when, in fact, I pay them before they are actually due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: MD
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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Company response to consumer: Closed with explanation