BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
USAA recently discharged an auto loan I took out in 2016, despite my many attempts to pay it off, after missing a few payments while dealing with the financial and physical issues of my recent illness. Despite willing to pay the loan off in full, USAA refused to stop the discharge of the loan or work with me in any way despite my requests and the recent legislation passed due to the current COVID-19 pandemic. 

Additionally, USAA violated TILA in regards to this auto loan.For a whole year USAA, failed to provide me with any billing statements, information associated with the loan and for several months even refused to accept payments unless they were made from an internal account. This of course was not possible as USAA closed my internal accounts, which caused a 0.5 % increase in my APR as auto pay from a USAA account was a condition of receiving the lower APR. Along with shutting down all my internal accounts due to their repeated failure to resolve a single issue of identity theft, USAA continually stated they would forward me all related loan documents, bills and legers. As a result the vehicle was placed into repossession Immediately after being placed in reposession USAA accepted payment for the total amount due and reversed all fees and penalties caused by their actions. USAA violated the FCRA, by refusing to remove the late payments from my credit report despite many requests. 

To date USAA still attempts to send me all my consumer lending documents online which they restricted my access to years ago. With the exception of finally starting to send me my consumer lending statement which states the monthly amount due. This statement fails to provide crucial loan information, such as a payment ledger, total amount remaining etc. 

USAA, has also been discriminatory by not making all services and data related to my auto loan available to me as it does other members. I am unable to access any of the loan information online, retrieve any documents submitted, set up or make electronic payments or auto drafts online. In fact, I have to personally call in every month to pay this auto loan. 

In short USAA has made a habit of violating TILA, FCRA, has failed to provide a 1099C relating to this charge off, or work with me to make any attempts to salvage the loan. All while having damaged my credit years, reporting this loan as late and repossed, which prevented me from seeking alternative financing elsewhere and escaping their deceptive, discriminatory and illegal lending practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: EQUIFAX, INC.
State: PA
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:
I have reached out to the following credit bureaus, XXXX, Equifax and XXXX to dispute the Hard Inquiries on my credit profile that I did not approve and had no knowledge. The items below was unauthorized and was asked to be removed from each credit report and the credit bureaus failed to provide any evidence that these inquiries were accurate and have not removed the items. 

XXXX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX   XXXX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX   XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX/XXXX   XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX   Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX EQUIFAX MXXXX XXXX Inquired on XX/XX/XXXX XXXX   XXXX XXXX Inquired on XX/XX/XXXX XXXX/XXXX Inquired on XX/XX/XXXX XXXX/XXXX XXXX XXXX Inquired on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2016, I went to XXXX XXXX in XXXX XXXX, CA, with grandsons. Walking down treacherous stairs to the beach, the stairs collapsed, and I fell with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. At the time, the only insurance I had was Medicare. I was charged {$500.00} for an ambulance ride less than a mile to the XXXX XXXX. Since several persons had been injured on these stairs that were not safe, an attorney sued to have the stairs removed and to pay for all of my medical bills due to their improper and dangerous stairs. 

This accident changed my life for the worse. Could no longer work, and after XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I had no auto, no savings, and close to becoming homeless at the age of XXXX. My understanding this {$500.00} charge was to be paid since this was no fault of mine. I was not aware of it being turned over to XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, CA XXXX, Ph. ( XXXX ) XXXX. They in turn, immediately added a charge of {$490.00} to the debt, and have charged interest to this medical bill, accelerating the debt to {$1600.00}. Because of this I have not been able to purchase an auto, and it has caused me to not find rentals. I called them several times, the dates I do not remember now, since this will be 7 years old this year. I feel it was inappropriate to increase this bill from {$500.00} to {$1600.00} when due to the issues, I should not be held responsible for this debt. I spoke to the attorney that handled this case, and he did not realize this was not addressed and taken care of at that time. Any assistance on this matter would be greatly appreciated. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10
Company: Pendrick Capital Partners Holding, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX/XXXX/XXXX XXXX XXXX notified me of new accounts placed for collection. When I checked my mail, there was a letter from XXXX XXXX XXXX regarding a debt they purchased from Pendrick Capital Partners, of which I have never received any correspondence. They have listed 3 items, from XXXX and XXXX, 4 and 3 years ago, respectively, and I am unaware of these charges. I 'm trying very hard to get my credit fixed and my score back up, and this was a shock to me. I also have a negative comment from the XXXX XXXX for XXXX XXXX XXXX, and I have n't even walked into that place in at least 15 years, so I have no idea what this charge is for because I do not use the clinic or any of it 's doctors or services. I 've been trying extremely hard to keep any and all medical payments made and kept current, so I 'm very surprised about these bills because I had no prior knowledge. I 'm also very upset that XXXX put this into my credit report immediately instead of sending me prior correspondence to let me know about it so that I could see what it was even for. Thank you in advance for any assistance you might be able to give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. XXXX and TransUnion must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2016-08-20
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I purchased my home in 2006 from XXXX XXXX XXXX. XXXX sold my mortgage to Nationstar. Everything was fine as far as I knew. I was told by nationstar I could lower my current mortgage payment with a low rate refinance. So, I refinanced my mortgage. My mortgage briefly changed, not much, then went back up. I called and inquired why. I was told my escrow with XXXX was not enough to cover current escrow when I refinanced. Never heard this before and I asked about my equity from my house and was told they used it. I never agreed to that. I was mislead, tricked and misinformed intentionally. After 10 yrs from a XXXX mortgage, after refinancing with Nationstar, I still owe XXXX. My mortgage was lower before I refinanced. I requested a copy of my refinance papers and they never sent it. I never went to the bank they sent travel notaries to my house. If Nationstar purchased my loan, why am I being penalized from their purchase from XXXX. I did n't choose them. What can be done?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Hello, I am a previous Wells Fargo account holder. I had an account with them in XX/XX/XXXX, and closed the account due to unnecessary fees. The account was over-drafted in the amount of $ XXXX, I do not exactly recall the exact amount. 

The amount was paid prior to closing the account, as they wouldnt be able to close the account otherwise. 

Today XX/XX/XXXX, I received a call from an attorney, stating that I owe Wells Fargo {$3600.00}. It seems like they never closed my account, and let it sit to build up fees. 

I had an account with them for about an year or two, prior to closing the account. They are telling me the account wasnt closed until XX/XX/XXXX. 

I was never notified by Wells Fargo by mail, email, or phone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

INACCURATE ACCOUNTS : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX AND XXXX *XXXX  XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2016-08-15
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
Champions Mortgage will not tune loose of my insurance check I have sent all records and can not get my house fixed where I flooded Fema sent all of the paper but the young girls keep my check I am XXXX years old with holes in my house because they will not turn my check to me what can I do they do this every time when XXXX hit me they would not turn the checks I had to beg for the money that the insurance paid me to fix my house they sent an inspector to check my house to get the last check the house looked better than before to me what can I do XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: Integrated Asset Recovery LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Portfolio Recovery, LLC has harassed me and contacted my employer, threatened to sue me for debt that does not exist. I have checked my credit reports from all 3 bureaus and there is no delinquent debt that is owed. If there is any debt owed it would be 20 years old. I have paid on time for all of my accounts. I have asked them to stop calling me but they refuse to do so even contacting my family members and ex-husband. They also contacted my ex-husband stating I would be sued and court documents were being sent to his home causing him to feel as though he was going to taken to court because of the verbiage Portfolio Recovery used. This could cost me my job and is a very serious matter. I have requested for this stop and it has not. What recourse do I have? Their tactics include harassment and abuse and it needs to stop. 

On XX/XX/21 Portfolio Recovery LLC contacted my place of employment and have done so previously.

Company response to consumer: Untimely response
Consumer complaint received 2021-08-18
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: Mountain Run Solutions, LLC
State: PR
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 account does not belong to me. Please remove this from XXXX. Please see below the account that is reporting derogatory about this burean. 

1. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.

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 2016-08-23
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Mortgage company violated law for HARP and kept asking for new documents. Now they say I was approved and on a 3 month trial but I NEVER RECIEVED a single document stating this and they are trying to foreclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019, I requested the collection agency, DIVERSIFIED CONSULTANT INC, located at XXXX XXXX XXXX XXXX, XXXX, XXXX, to validate my debt under the Fair Debt Collection Practices Act and have asked to provide the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say i owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account : Show me you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : I have advised them if their company fails to respond to this validation request within 30 days from the date of reception, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX, and XXXX  } request shall be sent to me immediately. 

I have given them 30 days to remedy the situation, which is a very reasonable period. And I have received no reply from them, though I did receive a confirmation via certified mail that they have received my letter on XX/XX/2019 usps tracking:XXXX Those actions do not meet the Federal Trade Commissions guidelines that demand collections agency to properly validate the debt upon request. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item.

I have advised them that reporting this account on my credit report, now put them in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect by filing a claim in small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
I sent a letter regarding inaccurate and unknown addresses and incorrect payment history on my credit report. I have not received any response yet. I feel like im being taken advantage of and being ignored of my disputes. section 611 ( a ) it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. my information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: FIRST NATIONAL BANK OF OMAHA
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
The company claimed, in a response to complaint ID XXXX  on XXXX that it was sending a card and to-date no such card has ever arrived. The company 's response claimed that the card would be issued and should arrive within 7 - 10 business days. It's now been 26 business days.

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 2023-07-24
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Our Regions Bank accounts were emptied by an unauthorized user beginning about XXXX XX/XX/2023 until we were obligated to close all our accounts at Region in XX/XX/2023. We believe that unauthorized person ( s ) were able to request and receive an ATM card without our knowledge or permission. 
Withdrawals were made that were out of character for the account by person ( s ) making maximum daily withdraws at Regions ATM machine XXXX miles away from where we live between XXXX XXXX XX/XX/2023. We went into the bank to report suspicious activity on our accounts- and the thefts continued despite our asking for a freeze and red flag any account activity! Several XXXX more was withdrawn after we alerted the bank to the fraudulent withdrawals. 
We have disputed these withdrawals and particularly demand to know who and how the request for the ATM was made with Regions Bank. We have provided the bank with all the evidence we can that we are victims of a crime of theft from our accounts for {$6900.00}. 
We provided Regions Bank with public information regarding the release of confidential banking information from Regions employee that impacted a large number of account holders in the area where our funds were illegally withdrawn. Regions, despite that evidence, denied our appeal. 
After 3 appeals to Regions Bank internal investigation, we continue to be denied a claim as they report the withdrawals were authorized. We have filed the necessary reports with our local Sheriff 's office and we forwarded that report to Regions Bank. A copy of the Victim 's Report from our Sheriff 's office has been forwarded to the area where the actual thefts occurred in XXXX XXXX FL. This Sheriff 's report will be forwarded to Regions Bank once it is assigned a case number and published. 
We are seeking any kind of external support to investigate our claims of fraud and seek to have our funds returned.

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