BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
While I was on a XXXX XXXX flight to visit my parents in XXXX, TX ( with my credit card on my person ), 3 fraudulent transactions were made at " XXXX XXXX XXXX XXXX XXXX '' with my credit card in the amounts of XXXX, XXXX, and XXXX, respectively. This was on XX/XX/XXXX. 

I received a call later that night from my hotel room alerting me to the fraud, and when I checked my statement, sure enough, there were 3 purchases that I definitely did not make on my statement. I called to verify that yes, they were obviously fraudulent -- I was in XXXX, Texas. I thought that was the end of it. 

Later, after arriving home from XXXX, I got another call from USAA, my credit card issuer. They asked for more details around the transaction and told me that it was a chip transaction. I told them this seemed weird to me, as I thought chip transactions were not supposed to have this problem. The lady agreed and seemed very cold and suspicious. 

I said that I didn't know what happened but my credit card was with me the whole time and my family saw me not only vent about the fraud and how I would have to change my credit card number, but also saw me with my credit card on multiple occasions.

After telling the investigator I was sure it was fraud, she took some time to do her investigation. On XX/XX/XXXX, the same investigator called me back explaining that it was impossible for there to be fraud with a chip card. She said the investigation ruled against me. I said that didn't make sense because I wasn't there and didn't know anything about it and eventually started crying ( I'm saving up for a house and it was a lot of money ). She got uncomfortable, then angry, and hung up. She did not show any empathy through any of this. 

After researching my options, I called USAA to start an appeal process to the decision ( on the same day ) and also looked into hiring a lawyer. I will wait for the appeal before hiring a lawyer since they're expensive and a pain -- I really just want the whole thing to go away which was supposed to be the point of " XXXX  fraud liability '' as the bank advertises on the card. I always use my credit card instead of my debit card in case something like this happens and am very disappointed that despite what I was told in school and by parents, this card seems to offer no protection from fraud. I am disappointed, sad, and angry. I feel deceived.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I have been unable to check my balance, pay for anything at stores, login to my account online or through the mobile app, go to an atm and pull money out all since XX/XX/01 for my american express serve card. When i try to login it says my password is wrong so i try to reset my password and it tells me that there was an error due to 10 mins of inactivity and can't log me in. Then when i try to call the card to get information it says my social can not be recognized so it has me enter my card number then says it can't locate and its transferring me to a customer service agent and i am only for hours upon hours just to be hung up on and not able to speak to anyone. I have a lot of money saved into this account. I chose this card as an option when doing my taxes because i was able to get my funds faster. I can not check my balance to know if my money has even been stolen or not or to see if transactions have been made and there has been no mention of it from american express no emails nothing on there website that is it. I am so afraid that my money got stolen and now i wont get it back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-29
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
I have tried to have these removed from my credit as I never spoke to this company nor authorized them to place a inquiry on my credit, I have sent them several letters and yet they still fail to remove them or show me proof of me asking or authorizing them to run my credit!

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 2019-04-19
Company: GUARANTEED RATE INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Guaranteed Rate, Inc. ( " GR '' ) is my mortgage lender for the pending purchase of a house. This complaint involves the following GR employees XXXX XXXX ( VP of Mortgage Lending ) ( " XXXX '' ), XXXX XXXX ( Loan Coordinator ) ( " XXXX '' ), and XXXX XXXX ( " XXXX '' ) ( Production Manager ). 

After a number of other mishaps during the pre-closing process, we were first told that XXXX finally submitted our application to the real lender this past Friday ( XX/XX/XXXX ). We were scheduled to close today ( XX/XX/XXXX ). Despite assuring us on Friday that we were " on track '' to close on time, XXXX and XXXX failed to disclose of mistakes delaying our close. They then failed to answer direct questions -- on Friday, Monday, Tuesday, and Wednesday -- about when documents were sent so that we could evaluated whether closing needed to be moved and seek and extension from the sellers. Finally, at XXXX Wednesday XXXX -- hours before we were scheduled to close -- XXXX told me via a phone call that XXXX had mistakenly sent documentation to XXXX rather than the investor, XXXX XXXX, and that it lead to the delay. She then promised to provide me details in writing by the next morning so that I could assuage the sellers ' concerns and obtain an extension. 

On Thursday ( XX/XX/XXXX ), I received a call from XXXX informing me that the information provided by XXXX -- which I had shared with the sellers as we tried to work towards delaying the closing at the last minute -- was incorrect. In fact, no information had been sent to XXXX. Rather, when the XXXX XXXX underwriter had returned the file to GR on XX/XX/XXXX, it had done so with a direction that the property appraisal be sent to collateral underwriting. GR ignored that direction until it finally sent the appraisal over to collateral review on XX/XX/XXXX at XXXX XXXX. This was not disclosed to us until my call with XXXX on XX/XX/XXXX at XXXX. 

On that same call, XXXX assured me that there would only be a 3-4 hour turnaround once approval from XXXX XXXX was received because our filed would be in " rush '' protocol for GR. Coincidentally, XXXX XXXX sent over approval by collateral review just after our call, around XXXX on XX/XX/XXXX. XXXX left me a voicemail that afternoon indicating they had received approval and would " work on a closing for tomorrow on a rush. '' Despite those promises, as of XXXX on XX/XX/XXXX the file is still " in line '' to be reviewed by underwriting. The sellers are now threatening not to extend the contract. XXXX is backtracking on his promises yesterday, saying in a XX/XX/XXXX XXXX e-mail to me that " I never once said we were closing today. '' GR is refusing to take accountability, refusing to fix the problem, and refusing to make amends for their errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: PNC Bank N.A.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
Im trying to connect my bank account to XXXX XXXX apps but the bank is not giving the app to access it because of plaid

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was added as an authorized user on a XXXX Secured Credit Card without my permission. I am not legally liable for this card. Closed on XX/XX/2017.

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 2019-04-19
Company: UMPQUA HOLDINGS CORPORATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Received an email on XX/XX/2019 from XXXX confirming my order. Found out my former partner used my XXXX account to order some items using his debit card. I called XXXX, changed my password as directed and cancelled the orders I did not place. On XX/XX/2019 I received an email about one of the cancelled orders was shipped to my former partner, after I contacted XXXX about the unauthorized use of my account ( due to shared computer that I could not wipe before being forced from my home on short notice, XXXX  XXXX situation ). As far as I understand, the light was defective and returned, and a replacement item was shipped on XX/XX/2019. 

My former partner was refunded by XXXX for this order, then my debit card was charged. I asked Umpqua bank to investigate the charges because I NEVER AUTHORIZED THIS CHARGE! But was told by Umpqua that this is not fraudulent activity because my former partner had access to my information and I kept payment information in my XXXX account. I do not understand why XXXX is not charging my former partner 's card for this item when it was used to make this purchase, or why a replacement item was sent on XX/XX/XXXX when I cancelled the order 9 days earlier. 

On XX/XX/2019, received an email from XXXX that my account was being charged for the order cancelled in XXXX because the item was never returned. I called XXXX to try to resolve but was only told that I needed to return the item for a refund. Repeatedly told XXXX to charge the original payment account for the order, not my debit card which was saved in my payment accounts with XXXX and never authorized for this purchase. 

Contacted Umpqua bank subsequent to this conversation ( appx XX/XX/XXXX ) and was offered provisional credit while this was being investigated. The result of the investigation was a rebuttal from XXXX that my debit account could be charged since the order was made from my XXXX account. I told Umpqua bank the original payment method for this order should have been charged. 

XXXX sent an email on XX/XX/2019 informing me that a refund was being issued. The refund was issued to my former partner. XXXX charges my debit card The only alternative that Umpqua bank has offered is attempting to work this out with my former partner, and if he does not pay me back for this item, that I need to contact law enforcement and get a police report for the fraudulent use of my debit card. My partner did not use my debit card for the original purchase, so this is not true. If anything, the fraudulent charges are due to the unauthorized charges made to my checking account by XXXX. 

This problem has created an undue financial hardship, as I am XXXX and on a small fixed income.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was added as an authorized user on a XXXX Secured Credit Card without my permission. I am not legally liable for this card. Closed on XX/XX/2017.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-28
Company: ARS National Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
At XXXX XXXX today my husband was contacted by the collection agency regarding a, " Personal business matter. '' My husband previously worked for a collection agency and stated the caller was divulging my personal business without authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made m first purchase using my XXXX Credit Card from XXXX XXXX on XX/XX/XXXX and proceeded to make a payment the same day. I got an email confirming the payment was processed. I tried to use my card again on XX/XX/XXXX and found I was unable. I had an available credit limit still of over {$1500.00}, so I logged on to the website check my balance and it said my last payment had been returned. I immediately made another payment. I noted the return was on the same day I received a confirmation email. I called XXXX XXXX because I had more than enough funds in my checking account to cover the payment that was returned. The person I spoke with told me there was an issue with " locating '' my bank account. I asked why no one let me know. I never received an email or phone call, it seemed like an easy fix. I also let him know that I had just made another payment using my same checking account information and would that also be returned. He assured me the payment had gone through and the information was good. So, I did n't understand what the original problem was. He also told me he could not refund the returned payment fee but that my new payment had gone through. 

I 've been checking my bank account to see if the charge had cleared and it had not. So I went back on the website for the credit card and again, I had another returned payment and another fee. I also have another email saying my payment had been processed. I have now been charged {$50.00} in returned payment fees and my account is not up to date. I want to know why I was never contacted when my payments did n't go through. I also want to know why when I called the bank and spoke to someone I was given misleading information regarding my account. I want the charges reversed and I made good faith effort to pay this bill on more than one occasion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-19
Company: Flagstar Bank, N.A.
State: MI
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened up a money linked cd with flagstar bank in XX/XX/XXXX on behalf of my brother. My brother died on XX/XX/XXXX and I filed a death put claim with flagstar. Flagstar submitted the claim to XXXX which is the broker. They in turn sent it to XXXX who has to buy back the stock. As of today the claim is still pending with XXXX. Usually death put claims take 30-60 days and it has been longer than that with no idea when XXXX will pay off the claim. The claim was put in with Flagstar on XX/XX/XXXX. I cant get any information from XXXX because I dont have an account number associated with 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 2019-04-19
Company: Mid-Michigan Collection Bureau
State: MI
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/2019 I sent a certified letter to Mid-Michigan, RE : Account XXXX**. The letter was received XX/XX/2019. In the letter I requested they validate the said debts that I owe without violating HIPPA rights. They have not corresponded. Its now XX/XX/2019 and I am requesting this company remove and delete this alleged debt from my credit reports due to the failure of adhering to the request on the certified letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2019 I was called by a debt collector 23 times in one day! Some within minutes of each other. Daily these calls start at XXXX XXXX which is illegal. They use multiple numbers to harass me all day long. Ive tried blocking the numbers but they keep robo calling with fake numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX XXXX solicited me to apply for a personal loan product telling me that I was pre-approved for up to {$80000.00} based on credit report information which is only improved since they pre-screened me. I called the number and the advertising mail piece attached to this complaint spoke to an agent who took my loan application ask for permission to pull my credit for the evaluation of loan programs, told me that my application would be sent to underwriting and they would get back to me within four days. Within 24 hours the same agent called me back and told me that I was not eligible for any loan products even though my credit information was exactly what it was during the pre-screening process which they did not deny or confirm however I know that because I monitor my credit closely. during the application process they asked for my permission to access my credit report for the evaluation of loan products. When they called me back and told me I was declined they informed me that they had evaluated my application and credit information for another product or service that I never applied to and then I did not intend to inquire or apply for this is a violation of the Fair Credit Reporting act is also a violation of unfair deceptive acts abuse has and practices known as udaap. They used my credit report for a non permissible purpose. Violating the rule for permissible purpose under the fcra.when I attempted to complain about the use of my credit information for a non-permissible purpose the agent raised their voice and denied that I had only allowed them to pull my credit for loan options, which was a total lie. They never disclosed to me ( on what they said was a recorded line ) that I would be evaluated for anything other than a loan product. Nor did they explain it ask that my credit report information would be used for any other purpose than applying for a loan.

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 2020-05-05
Company: SOUTHERN CASCADES FINANCE CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I purchased a vehicle fro. XXXX XXXX XXXX in XXXX Texas on XX/XX/2020. I paid the XXXX $ down payment and signed a finance contract. 

XXXX came to make my payment and the finance company, Southern Cascades Fiance,  has decided to deny the contract and make me resubmit everything once again. 

I resigned another contract 2 weeks ago and now again, Southern Cascades Fiance, is  demanding more paystubs and documents related to my loan and threatening to come take my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I was refused credit due to the fact that Experian would not release my credit report and or credit score to the company that was making the inquiry. My problem is that there is no normal 20th century way of getting information from Experian as to why they would not release the report. They have several phone numbers all of which take you to an automated system that will not allow the option of speaking to an agent of the company. Now because of their confusing automated system I may have inadvertently placed some type of freeze or fraud status on my account. I have no way of undoing this because they refuse to speak to anyone. I did a quick search online and discovered several forums with multiple similar complaints. It is ill advised to allow a company to hold control over the credit fluidity of individual citizens when that same company basically refuses to engage with people and provided real time explanations for the issues with their information and systems. If they and other similar companies control the credit worthiness of the population their information, process, and accountability needs to be flawless or at least close to flawless

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 2021-09-12
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
CMRE finance : Opened XX/XX/2021 In the amount of {$2300.00} Disputed on XX/XX/XXXX & XXXX, XXXXCMRE financial services located on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California, XXXX. XXXX and XXXX states the account is assigned to An Attorney and about to be sued. 

US 15 code 1692

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: Possible Financial Inc
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I disputed the account information with XXXX  for account with Possible Finance Account # XXXX in amount of {$450.00}. This account is paid in full. This payment was made XX/XX/2020. Please delete account and reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
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: Account status incorrect

Complaint:
I disputed the account information with XXXX  for account with PXXXX XXXX Account # XXXX in amount of {$450.00}. This account is paid in full. This payment was made XX/XX/2020. Please delete account and reporting.

Company response to consumer: Closed with explanation