BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been blocked from using the full services of USAA banking online etc since XXXX. They have claimed it to associated from an Insurance underwriter blocking me when I supposedly was involved in a crime while insured with USAA. I have called, emailed, chatted on FB etc with them and they still will not figure this out. I am being discriminated by having a crime that I have completed my sentence/parole etc. This has also brought complications to my familys accounts as well. 

XX/XX/2018. USAA replied with the following. In your submission, you state that you have been blocked from using USAA online banking services. You contend that you were advised the restrictions originated from an insurance underwriter who blocked you because you were supposedly involved in a crime while insured with USAA. You add that you have tried communicating with USAA and this has not been figured out. You ask for USAA to restore full access or provide information to show how these processes are reviewed and implemented. Mr. XXXX, the USAA Federal Savings Bank is unable to address your inquiry about the restriction on your account as this pertains to an insurance product. The FSB was notified that the appropriate party reviewed and attempted to respond to you about this matter. If you have additional questions, we remain available to assist you. 

How is USAA Federal Savings Bank not able to address my inquiry about the restriction on my account as this pertains to an insurance product? USAA owns or is a parent company that owns the Insurance Company. When and how did the appropriate party reviewed and attempted to respond to me about this matter? Who is the appropriate party you speak of? Please show me or tell me how this was done. You say you are will to assist, ok. Who do I contact about flipping the main switch to allow me access to full online banking? Do you run background checks on all your customers? If not, I see that you are discriminating against me. How can we fix this?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
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 belongs to someone else

Complaint:
There was a fraudulent inquiry done with XXXX XXXX XXXX XXXX on XX/XX/2018. XXXX reached out to me to see if I applied for a new card. I explained that I had not requested any new credit with their company. They intern mailed me a letter to state that they would have the inquiry removed. I also file a dispute with Transunion and XXXX  as those are the two bureau 's that shows the inquiry. It is now a full 90 days later and the inquiries are still showing on my credit bureau report. I reached out to XXXX and they have contacted the bureaus by phone and nothing has been removed from my report. I am not involving CFPB as this is a violation. This false inquiry is effecting my credit score and it not fair to me as. a consumer. I would like action taken and would like the inquiry to be removed as 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 explanation
Consumer complaint received 2017-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I spoke with customer service and they would not help and take care of the negative inquiries on my credit 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 2018-10-11
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
I have requested to remove this item from my XXXX report and the investigation results came back today XX/XX/2018 as VERIFIED AND ACCURATE. But the ACCOUNT SOLD TO PRA. I'm extremely confused what was verified with XXXX and XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: CITIBANK, N.A.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Citibank has a promotion for opening a checking and saving account combination - open both types of accounts, fund them with {$15000.00} and keep that balance for 60+ days and within 90 days after that your checking account gets credited with {$400.00} promo bonus. 
My accounts were funded on XX/XX/2018, promotion condition was met on XX/XX/2018 and I was told by Citibank that on XX/XX/2018 my account should be credited with {$400.00}. 
On XX/XX/2018 I opened a customer service case with the bank, but they have been non-responsive and slow in resolving this. I was promised that it would be resolved " for sure '' by XX/XX/2018, and then I got the same run-around when I called.

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 2018-07-19
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was unemployed due to medical reasons in the past and my federal loan provider only offered Deferments and Forbearance 's. They only gave me the option for an Income driven plan after I ran out of Deferment 's and Forbearance 's. I FEEL like I was intentionally led to the wrong options at the time causing the interest on my loans to escalate to a ridiculous amount. The dates are from XX/XX/XXXX to XXXX. 
The amount is XXXX. No actions have been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I noticed my name on my credit report spelled wrong XXXX XXXX or XXXX XXXX both are wrong and I've never spelled my name this way. I have attempted to contact all 3 bureaus on this matter and nothing ever changes

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-30
Company: AMERICAN HONDA FINANCE CORP
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I opened a dispute with Honda Finance in which I have had an account with for over 5 years, no late or missed payments. They reported a recent missed payment but still took the payment received. They resolved that issue and have placed my account as current. Now that this is resolved I just received a message from XXXX that I have a new Honda Finance account opened with delinquency. This is innacurate and harmful information. Now that I am closer to paying the loan off, Honda Finance has been harrassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX has been trying to bring his loan current for years. He has been advised for years by an attorney who he paid on a monthly basis as he was instructed to not speak to the bank and to pay him. This attorney has moved and closed his office after being paid over {$25000.00}. 

XXXX XXXX ' wife passed away and he has been trying to put his life back together along with his children. His loan has been transferred to at least 5 different service XXXX XXXX has sent documents and proof of documents sent. 

At this point he is well able to pay a mortgage. he and his children are employed. 

Ocwen Loan servicing is the servicer on his loan and they have put him in a sale date with no notification of a sale to him. He found out about the sale from people calling trying to get him to sign the home over to them for a small amount of money. 

He was not sent any notice of sale as required 30 days before scheduled auction on his home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I made a deposit into my account and Wells Fargo give me a few and the deposit was enough to cover the charge. I have my deposit receipt for the account I place the funds into due to me not have my primary checking acct debit card because of fraud on the account ending in XXXX. I deposited and than transferred the funds from my secondary acct ending in XXXX. I will not be paying any overdraft fees due to me placing the fund into my account. All of my debit card are suppose to access all of my personal accounts however they do not due to my debit cards being replace and features not being keep. Once again where is my {$120000.00} that is missing. I still am waiting on my taxes documents.

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 monetary relief
Consumer complaint received 2018-06-30
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/18, I asked Ally Financial to not send mail to a specific address and not to call a specific telephone number. They asked for me to have the other member on the account sign a letter to verify this information and they did. Ally received the signed documentation and agreed not to send mail or contact the phone number I requested. On XX/XX/18, Ally sent mail again to the address we specifically agreed not to send mail to. This is a continuous habit of Ally Financial as they believe and continue to do whatever they please without any consideration.

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 2018-10-11
Company: Receivables Performance Management, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX sent me a final bill for services and agreed to waive the early termination fee because I was moving to a location that did not allow satellites. They never waived the termination fee as agreed. I paid XXXX {$530.00} for my last month of service and early termination. XXXX then sent my account to collections ( Receivables Performance ) stating I owe {$800.00}. I don't know where they got that balance from and why it was ever sent to collections when I paid XXXX directly in a timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Experian Information Solutions Inc.
State: MO
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 applied for a new credit card at XXXX XXXX Bank and as I was viewing my credit report and I noticed alot of inquiries that I have never given written authorization or had no knowledge that these inquiries that had been made as I did not authorize them. I only authorized the 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 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 2020-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Theres a XXXX XXXX XXXX account on my credit that is reporting as 90 days past due but the account has been paid in full and closed since XX/XX/2017. Please have this delinquent status removed from my credit 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 2018-07-01
Company: Ad Astra Recovery Services Inc
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
The recovery agency for the XXXX XXXX XXXX threatening phone calls on garnishment of my SSI benefits. The loan amount was in XX/XX/2013.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: CITIBANK, N.A.
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened this account on XX/XX/25 under a promotional offer of {$400.00} for depositing and maintaining a {$15000.00} balance for 60 days. 

The funds posted to Citibank on XXXX and were maintained for 60 days. 

I contacted them today and they are now trying to say there is no offer on my account. Despite me signing up under their promotional link and offer. I read the full offer terms prior to entering my information and completed them all.

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 monetary relief
Consumer complaint received 2022-08-05
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: Personal information incorrect

Complaint:
I discovered unverifiable, invalidated, inaccurate, and questionable items on my credit report, which caused XXXX XXXXXXXX upon me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: SYNCHRONY FINANCIAL
State: CA
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:
There is a payment of XXXX from my car loan that dinged my credit card score. I paid the amount in full on XX/XX/2018. The delinquency was not removed from my account. 

I missed a payment with XXXX XXXX that also ruined my credit card score. I am now in a debt management program that is paying my debt down. Can you forgive my {$3600.00} credit card debt that I have currently? 

I also have a {$5000.00} credit card with XXXX XXXX. I am currently paying it down. Can you please forgive this debt as well? 

Lastly, I have a {$1800.00} XXXX gas card debt as well. I am currently paying it off. Please help me. Please forgive this debt too. 

Thank you.

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 monetary relief
Consumer complaint received 2018-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the collection account XXXX XXXX   XXXX XXXX is not mine.. This is not my responsibility and credit bureaus failed to verify it..This error has affected my credit score tremendously

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 2018-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Billing dispute for services

Complaint:
On XX/XX/XXXX I went to Transunion through this site to receive a free yearly credit report. Transunion stated for " verification '' I had to supply a credit card number. It then told me to click to get my free credit report. I was then charged {$19.00} for a subscription that I did not agree or want to sign up for. I want a refund and to cancel the service. Transunion would not even let me see my free credit report without first inputting a credit card. I did not even receive an email confirming this payment.

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 2018-07-01
Company: Experian Information Solutions 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:
Requested validation of public record from furnisher of information regarding bankruptcy from XX/XX/2014. The furnisher is the XXXX District Federal Court, XXXX Division not XXXX XXXX a third party source. Nor did they provide who they verified with, the address and phone number not courthouse along with documentation used to verify. I have contacted the court clerk and confirmed they do not report or furnish records to the credit bureaus.

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 2018-10-11
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXX XXXX XXXX in XXXX Michigan states I was late in XXXX, XXXX and XX/XX/2018. I paid off my car loan in XX/XX/2018. This account was paid on time for the whole contract. I wrote letters, called and also dispute on my credit report with no answer or help. Its getting frustrating and also damaging my credit report. I submitted a request for my title in XXXX to be sent with the company name removed off of it and never received the title. i am unable to upload any documents at this time.

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 2018-07-01
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:
Requested validation of public record from furnisher of information regarding bankruptcy from XX/XX/2014. The furnisher is the XXXX District Federal Court, XXXX Division not XXXX XXXX a third party source. Nor did they provide who they verified with, the address and phone number not courthouse along with documentation used to verify. I have contacted the court clerk and confirmed they do not report or furnish records to the credit bureaus.

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 2018-07-01
Company: EQUIFAX, 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:
Requested validation of public record from furnisher of information regarding bankruptcy from XX/XX/2014. The furnisher is the XXXX District Federal Court, XXXX Division not XXXX XXXX a third party source. Nor did they provide who they verified with, the address and phone number not courthouse along with documentation used to verify. I have contacted the court clerk and confirmed they do not report or furnish records to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Experian Information Solutions Inc.
State: IL
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:
This complaint is to Experian, XXXX, XXXX. They claim they verified all information with furnisher who is XXXX XXXX. I call about complaint because CFPB said they needed more information. Called Experian the person on the phone couldn't find any info on complaint as per XXXX,. I gave them this number and they pretended to not know what i was talking about.

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