BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
USAA is purposely charging me overdraft fees when i have money in my account. I would like for you to investigate this company because I believe that it is ripping off Veterans who have accounts with them. How is USAA legally able to charge me overdraft fees when my account has money in it. I'm attaching screen shots so you can see i am in the black and then bam, they charge me overdraft fees. Not only that but they are returning payments i'm making to the credit card companies I make payments to. Every time they do this i get charged XXXX by USAA as a NSF and then my credit card company charges me XXXX. This is very wrong!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
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:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors and have affected my livelihood to provide for my family. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My daughter and I have been trying to work with Navient for almost 12 full months as of XX/XX/2019 trying to lower her monthly payment to an affordable amount. I am positive we signed up for a Fixed Interest Rate, but they continue to raise the interest rate stating we signed up for Variable Rate. I can not find our loan documents on their website either. We have recently called to request a copy of this information.

I am cosignor on this loan with my daughter but since cosigning have become XXXX XXXX, unable to work and therefore, unable to help her make payments on this loan. Navient doesn't seem to think that is an issue.

Navient continues to offer no solutions to be able to afford a payment. She has used her 12 months of forebearance as of XX/XX/2019 trying to work with them to help her be able to afford payments. Navient has offered her interest only payments, or forebearance. Neither of those options HELP. We have called them monthly if not twice a month hoping to find the right person to answer and help offer a solution.

She isn't looking to not pay her debts, she just wants to be able to feed her family and enjoy life a little while paying her debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Iam a federally protected consumer. I sent letters excising my rights on XX/XX/2021 and is now over 30days with no response. Pursuant to 15 usc 1681b any reporting agency ( XXXX, Transunion and XXXX ) may furnish a consumer report in accordance to the written instruction of the consumer. I have never been given the option to opt out nor gave any written consent. NO CONSENT IS IDENTITY THEFT AND THIS IS A DIRECT VIOLATION.

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 2020-06-30
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My wife spoke to the company told them I will handle the issue, gave them my updated number and they still continue to call her daily, numerous times from different numbers, sometimes less than an hour apart.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-08
Company: WELLS FARGO & COMPANY
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I received a letter dated XX/XX/2021 from Wells Fargo. Inside the letter was a XXXX dollar cashier check and a letter stating why I was receiving the check. After further review of the letter and my consumer laws Wells Fargo has violated me as a consumer. By sending the check and the statement in the letter that says You are receiving money because of a legal settlement Wells Fargo and the Consumer Financial Protection Bureau addressing the banks sales practices shows admission to the violation of the consumer. Wells Fargo violated 15 USC 1602 ( p ) as they didnt have actual or implied authority for their unauthorized use of the consumers ( cardholder ) credit card ( social security card ) and personal information, and as the consumer received no benefit for any of the unauthorized transactions.

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 2021-07-08
Company: Credit Plus 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: Reporting company used your report improperly

Complaint:
XXXX made two inquiries to my credit report with XXXX  on XX/XX/2021. Each time a credit report is pulled it causes the consumer 's FICO score to decline. Mine went down by 18, and now is below average at XXXX. All my credit reports has freezes place on them. These over active mortgage brokers/lenders do not wait until the freezes are temporarily lifted and make inquiries over and over again to make these home loans and refi possible for the mortgage companies they work under. Therefore, making the consumer 's FICO scoring to decline. Because they perform this transaction twice, which was not necessary my credit file is totally in error by the decline of 18 and needs fixing my XXXX and Credit Plus, who both did the same exact thing for the mortgage broker/lender. Credit Plus made two inquires to my credit file on XX/XX/XXXX and XX/XX/2021. Again, not waiting for the freezes to be lifted by all three credit bureaus by being over-bearing in getting this loan application approved or accepted by the mortgage lenders. I am consider now below average with a terrible FICO created by a XXXX and Credit Plus that the mortgage brokers used to obtain my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
You have incorrect personal information being displayed and your rude phone representative wont correct the issue

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 2021-06-23
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Submitting a complaint regarding post covid modification request. 
I called Wells Fargo on XX/XX/12 to advise I'm ready to begin making payments again. I advised I could make payments at a reduced amount and I was requesting a XXXX flex mod. 
I was given a deferral instead. 
Through an escalation process via their " executive dept '' they unwound the deferral and left my account in a DQ status without any assistance. Over a month later I'm still attempting the receive the XXXX flex mod. 
Per XXXX  lender letter XXXX reduced eligibility criteria. I should be eligible and no documents should be needed.

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 2021-07-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/2021 I canceled my subscription with equifax. They continuously keep attempting to charge my card. I also called and spoke to a representative on 3 different occasions and they assured me my subscription was canceled and I would no longer be charged. I used a prepaid debit card for my subscription ( thankfully ) so it's not money on there constantly. I get email notifications all the time saying they attempted to charge my card. I really feel like I'm being harassed by this company. Why won't they just accept my cancelation and stop trying to steal money from me? This company is a complete SCAM!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: Phoenix Financial Services LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2018, I received a letter from a debt collector Phoenix financial claiming that a debt was owed by me to another debt collector XXXX XXXX. I responded with a cease & desist letter on XX/XX/2018 that they received on Friday XX/XX/2018. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The response I got back was a letter dated XX/XX/2018 of a debt verification notice which is not the proper procedure of a cease & desist in pursuant too the FDCPA, which is in violation of the FDCPA 15 USC 1692e ( 10 ) false and misleading representation {$1000.00}. The FDCPA is clear on a 15 USC 1692 cease & desist letter what is to be done. ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. As you will see in their response letter, Phoenix clearly did not do any of the following, they used false and misleading representations to try to collect this debt which not owed to them. I have never agreed to pay them which violates the Ohio Statutes of Frauds ORC 1335.05 which carries a heavy fine of {$10000.00} US. Furthermore, Phoenix furnished a deceptive form that is attached to this complaint, which violates 15 USC 1692j ( a ) {$1000.00}. As you will see in their response that they are not even registered to collect debts in Ohio, and by sending this communication through the mail it also has the following criminal violations : 18 USC 1960 Civil Rico {$10000.00} to each party including criminal charges ; 18 USC 241 Conspiracy against rights ; 18 USC 242 deprivation rights under color of law {$10000.00} to each party including criminal charges ; 18 USC 1341 Fraud and swindle, {$10000.00} to each party including criminal charges ; 18 USC 875 Interstate Communications with the intent to extort, {$20000.00} to each party including criminal charges. Phoenix Financial are using my Social Security Number with out my permission and that violates the SSA and the privacy act of 1974. I Have sent out a Notice & Demand to Phoenix today, XX/XX/2018, demanding the damages that owe me for this violating act which the total sum is quite extensive, and further, will file criminal complaints to the justice department for their criminal violations concerning this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The credit bureaus are reporting the following item inaccurately. This account has never been late. Please remove the item below pending a thorough review. 

XXXX XXXX XXXX  XXXX XXXX never late

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I filed for forbearance on my mortgage due to Covid19. I asked That if I was still able to make a payment can the payment be applied to the principal only. I was told that yes it can be applied to principal only. I called in a phone payment with a rep on XX/XX/2020 of {$1200.00} & requested the entire amount applied only to principal. When I received my XXXX statement the payment was broken up into {$540.00} to principal & {$570.00} to interest. I called the bank on XX/XX/2020 spoke to XXXX who open up a case to correct. I called back on XX/XX/2020 and spoke to XXXX who stated that the correction would be done prior to XX/XX/2020. I told her that I needed it done by XXXX because that is when I would be making the next payment. She said that it would be done way before then because the system only creates a pending date, but corrections are processed quickly and I would be notified in writing. I called again on XX/XX/2020 spoke to XXXX who transferred me to XXXX who transferred me XXXX. When I requested a supervisor I was put on hold for over 30 minutes. She came back on the line and said a supervisor will call me back and no one ever called me. I called again today ( XX/XX/2020 ) and spoke to XXXX XXXX who put me on hold to wait for a supervisor for 1 hour and 7 minutes and never came back to the 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 2020-07-07
Company: Experian Information Solutions 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:
experian XXXX and XXXX showing inquires not known to me FTC violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of 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 explanation
Consumer complaint received 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am having issues with a freeze on my file that is holding up my credit from reporting my accounts properly. I have a XXXX XXXX and XXXX XXXX  account that is not reporting to my credit file. My name is XXXX XXXX SSN:XXXX DOB  : XX/XX/1992 My addition address is XXXX XXXX  XXXX XXXX FL 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 explanation
Consumer complaint received 2018-02-22
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
call 4-5 times a day! 
XX/XX/XXXX@XXXX XXXX XXXX XXXX XX/XX/XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX @ XXXX XXXX 2 times XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the number

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 2021-07-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX  charged me for some device ( a XXXX I think ) that it said I was responsible for returning it to XXXX XXXX XXXX. The dispute went for two years then XXXX XXXX XXXX admitted it was its mistake and refunded the money to me and notified the credit rating of the mistaken report. Before XXXX XXXX XXXX reported the problem to the credit rating companies, my score was XXXX. Now, the issue was resolved in my favor, TransUnion continues rating my credit at XXXX, XXXX XXXX and XXXX XXXX. I have got no response from them with my complaints. I am applying for refinancing and can not get the favorable rate.

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 2019-06-11
Company: EQUIFAX, INC.
State: MD
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:
I reviewed my credit score and my score dropped from XXXX to XXXX ( in has since rebounded to XXXX now ) within the passed several months with no justification. I requested information regarding why and received a response that this was an automatic adjustment by the system. There have been no significant changes to my accounts and this is very drastic change. I would like a more logical explanation of the adjustment versus a generic response from the credit rating services.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
FIRST, I NEVER REQUESTED ANY LOSS MITIGATION ASSISTANCE ... ..I CONSISTENTLY AND SPECIFICALLY TOLD YOUR COMPANY TO STOP TRYING TO PUSH LOSS MITIGATION OR ANY ASSISTANCE ON ME OR MY ACCOUNT SO AGAIN DO NOT ATTEMPT TO PLACE ME IN ANY LOSS MITIGATION OR ASSISTANCE PROGRAM. ANY ATTEMPT TO PLACE ME IN ANY LOSS MITIGATION OR ASSISTANCE PROGRAM OR TO IMPLY THAT I REQUESTED ANY IS ILLEGALLY DOCUMENTED. 
Second, You have not addressed the high interest rate OR the correction of over {$1000.00} to my account due to your company CORRECTING ERRORS ... .. BUT MY MONTHLY BILL INCREASES. 
Third, Your company paid my taxes prematurely which cause all kinds of issues with my taxes although I showed AND told you that I have consistently paid my taxes to date with out any issues. The credit on my taxes is due to your error and now you want to me to " prove '' your error ... .. 
You sent notices to my tax department, with out permission ; so with the same correspondence you can contact them to view the credit on my account. I can not represent your errors. 
Sincerely, XXXX XXXX, XXXX/XXXX  Retired

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: American Credit Acceptance, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : AMERICAN CREDIT ACCE Account Number : XXXX XXXX Date : XX/XX/2017 Amount : {$17000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have reason to believe that this debt may have been the result of an identity theft. Based on the information provided in my report specifying that I owe an amount of {$6700.00} for an apartment at XXXX XXXX. This information is completely false and inaccurate seeing that I never lived at this apartment location, nor is the address being reported on my credit. It makes no sense at all and I wish to address this matter with your consumer bureau. I have been struggling to resolve this matter for almost five years now and it has been one heck of a journey.

Company response to consumer: Closed with explanation