BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-11
Company: Jonathan C. Frank & Associates, LLC
State: FL
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:
Starting on XX/XX/XXXX I began receiving calls from XXXX on multiple phone numbers, both business and personal. On XX/XX/XXXX at XXXX I answered the call and was informed it was the notifcation department informing me that legal action is being taken against me and to call XXXX for more information. The caller provided a reference number XXXX. Upon calling XXXX, I was routed to XXXX XXXX who would not provide me with any information about the reasons I was being called, just informed me that I would be receiving a certified letter in the mail explaining the lawsuit, since I refused to provide any personal information such as SS # and/or date of birth over the telephone to a company who has not contacted me via USPS regarding any debts thus far. I informed XXXX XXXX that I was requesting no further contact via telephone at my place of employment, to which XXXX XXXX started to heckle me asking me if that made me feel better since it does n't matter, they 're already going to sue me.

Company response to consumer: Untimely response
Consumer complaint received 2018-09-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have tried everything to get a copy of the report stating that they are closing my account and that they have no intention on returning the money in my account to me but, they are telling me their notes are for in house only. I think that is wrong and unfair. I feel I have the right to proof of what they are doing to my account. I still get text messages weekly telling me there is over {$38.00}, XXXX in my account and I also get emails. They are stealing my money. They tell me I need a court order in order to get the report but, they didn't need a court order to steal. Please I need your help to just get the report telling me what they are doing and. If they intend to close the account and return the money to the banks then tell me so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
They are making my XXXX the appear new as recent on my report in some of my information is wrong so my address is wrong And they're doing nothing to correct my 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 2021-05-20
Company: TRANSWORLD SYSTEMS INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from debt collector and I have no idea of what about because I have never had that kind of service. I was wondering how they have my information ( address, and my name ) I think this is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a {$3.00} and some credit card bill, with some extra, that comes to over {$5.00}. Sent check to pay for first time ( moved bill pay to another bank and since this is last payment, sent check rather than set it up ) for the account. Check wasn't cashed, called, and they just threaten me with late fees or tell me to cancel the check ( $ 25+ fee for a {$5.00} check ). That was a stupid recommendation, that's someone reading off the script and not thinking. USAA should have figured that out and written a script for the reps answering the phone by now for that situation. Second, they didn't have the credit card acct # on it, so I get it back on Saturday saying they couldn't apply it, but are threatening me with fees. USAA should have something in place where when they receive checks, they can figure that out. Not expect folks with NO branch ( they removed it a couple of years ago ) to pay ANOTHER fee because its late AND another stamp for it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I recently sent a letter to Equifax asking for information about accounts on my credit report Im not familiar with. I asked Equifax to kindly please advise me as to the correct name and current address of the creditors, the name of the account holder, and the reported date of first delinquency for these accounts as any account I might have had at one time would be obsolete. I also asked Equifax If they can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. My request was completely ignored, and Equifax showed no regard for my concerns by just sending me a generic response to my request claiming the accounts were verified. 

Check attached Equifax response sent to me on XX/XX/2018 file number XXXX. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Equifax is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability apply for Job opportunities to take care of my family. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below since you ignored my request and refuse to properly verify defaming accounts on my credit file. Show me the contracts and method of verification or delete these accounts immediately. Please also remove your fraud alert from my credit file. I did not ask for one. 

Creditor : XXXX # XXXX Creditor : XXXX/XXXX  # XXXX Creditor : XXXX XXXX XXXX # XXXX Creditor : XXXX XXXX XXXX/XXXX   XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have informed experian this account does not belong to me and received information from the creditor stating the have no such debt in there records but yet experian has verified this account.

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 2018-09-19
Company: Navient Solutions, LLC.
State: SD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I returned to school in XX/XX/XXXX. At that this time my student loans that are serviced by Navient went into deferment. I continued to make payments every month on my student loans over the amount of the interest, payments were normally around {$450.00} as to make sure that I was saying ahead on them. I called into Navient and was told that my overpayment would be equally applied ( after interest was paid on my unsubsidized loan ) to each of my student loans unsubsidized and subsidized. In XX/XX/XXXX I was reviewing all of my loan documents as I was ready to come of deferment and realized that Navient had only applied the overpayment to the subsidized loan to that they could keep the unsubsidized loan at as high of an amount as possible to collect more interest on it. From XX/XX/XXXX to present I have had to email and request that all overpayment be put toward my unsubsidized loan so I can even out the loan amounts so I am not paying almost three times the interested on one loan over the other. They implemented an online process that asks where you want the overpayment to be allocated to but even after you select between the options they still only put the amount to cover the interested to the unsubsidized loan and the rest to the subsidized loan and I have to email or call in to get it reallocated. As a company they are very dishonest by not doing what the consumer is requesting and even pretending to put in a program that will help with it but still resorting to their old ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$140000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- REAL ESTATE LOAN 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$140000.00} -This is not my account.

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 2020-05-22
Company: Experian Information Solutions Inc.
State: OH
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 been having the biggest issue with XXXX XXXX. I have held many mortgages and have never been late in over 30 years. I already hate that my mortgage keeps being sold to a different company every time I look up and each company is harder to deal with. In XXXX of XXXX my mortgage was sold to XXXX XXXX. XXXX XXXX  charges a fee to pay online, and a fee to pay over the phone so I send my payment through the mail which is my normal process anyway but I have never seen a company charge to pay online. I mailed my payment as I always have in XXXX of XXXX and when I noticed they still didn't take my payment out of my account, I called them via phone on XX/XX/XXXX and was advised to give it a few more days because it would be a charge to stop payment on the check, a charge to pay it over the phone and a late fee. I stated I have never had a payment lost in the mail and that it would be up to a supervisor to waive the late fee. Still no payment was deducted out of my account so I then paid through the automated system and had to pay a fee, and was charged a late fee. I am very disappointed with how I was treated by this new company that can clearly see I have stellar payment history and always have for over 30 years as I have owned multiple homes. XXXX was unreasonable for a true and honest issue that was clearly out of my control. I have never had a payment lost in the mail before and I pay majority of my bills through the mail. XXXX XXXX keeps calling me to ask if I want to refinance with them. They refuse to resolve the issue that occurred with my account. I have had my mortgage on this home since XXXX and I have NEVER had a late payment and I want it removed. This is my XXXX home in 30 years and I have NEVER had an issue like this before. I have called and wrote letters and have been unsuccessful in getting this resolved.

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 2018-02-09
Company: Incomm Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
My XXXX XXXX gift card was lost or stolen and I called XXXX XXXX / Incomm and verified my information and was finally told I'd receive a replacement card on the XXXX within 8-14 business days. 

It never arrived so I call again on the XXXX and another replacement card is said to be placed. 

It's now XX/XX/XXXX and I've called once more and I've never received a card. 

I've never heard of such incompetence - who can't mail a simple card? I've verified my information and address over and over and over and spoken to reps ad nauseum.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
this information I listed the fraud accounts I found 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 2019-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Im not 2sure Wht the fraud was but I do know most of Wht they though was my doin wasnt but there is still fraud on account tht they continue 2remain on account & I believe tht they should b off credit report as Im not doin anything 2fix the prob xcept dispute it. I need help fixing my credit report Wht can b done 2do tht?? Thanx

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 2021-02-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I settled several accounts that was sent to collection. I informed these creditors that my spouse open this account without my knowing however, I was willing to settle with them if they can remove and delete derogatory records from my credit report. They said yes and promised to send me a letter in the mail. The letter never came in the mail and my settlement payments were made. I hope to start XXXX school in 6 months and need private loan to fund my education. Please I needs these derogatory records from my credit report in good faith. I completely paid the amount they agreed on and I was looking forward for a second chance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
Company: CITIBANK, N.A.
State: IN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX a Saving Account and a Checking account were opened with Citi Bank. Within 150 days waiting period I was to receive a {$400.00} and a {$100.00} signing bonus. On XX/XX/XXXX 150 days have passed and I have NOT received the bonus. Multiple phone calls to CitiBank have not resolved this 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 2020-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information is missing that should be on the report

Complaint:
On XX/XX/2020 I contacted Capital One to let them know that XXXX was showing that negative mark on one of my Capital One accounts. XXXX would not give me details about this negative mark and asked me to contact Capital One. I told Capital One this did not make sense since I did not have a balance with them nor have I made a late payment. In fact, I have not had any balance with Capital One for many many months. I told them this negative mark by Capital One was causing a significantly lower credit score ( by 30 points at least ) on my credit report. The Capital One representative could not tell me what they negative mark was and told me to write to Capital One. I have written to Capital One ask them what negative mark they put on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: Alliance One, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This case has reference to earlier case/complaint agains XXXX XXXX XXXX XXXX XXXX XXXX per # XXXX. Now apparently, XXXX has transferred case to another collection company " XXXX XXXX XXXX XXXX XXXX XXXX. Although XXXX XXXX has termed the case as 'in dispute ' but XXXX by transferring the case to another collection company forces me to undergo avoidable harassment and inconvenience. Thanks a lot for stepping in to help as always. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: Real Time Group, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Due to misunderstanding and clerical errors of this account, I am requesting validation of this debt. I never received proper notice for this debt. I was notified by XXXX in XX/XX/ that this account would be tranferred to RTR on XX/XX/. I received two account statements from RTR. The first time I spoke to RTR was XX/XX/. I wanted to settle a debt that I supposedly owed. Unfortunately, at that time I was unaware of my rights.After five days of initial contact, RTR should have informed of the name of the creditor to whom the debt is owed, a statement of dispute, correct amount owed. In short, my consumer rights. I do feel RTR is taking advantage of me by not properly informing of this debt. I deserve to know my consumer rights. Overall, RTR account handling is unfair, deceptive and unorganized. I have no problems with the customer service reps.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I set up auto pay for my credit card bills with Bank of America in XXXX of XXXX. Since that time Bank of America has not done well to take these automatic payments that they set up. Bank of America has all the information that they need to take my payments out, but they don't take the money out, and then they charge a late fee and interest. I am not late. Bank of America doesn't take out the autopayment that they set up. Two times I have been reimbursed for interest and late fees, because the funds were not taken out by autopay. This should not keep happening, since the idea of autopay is that you don't have to worry about your credit card bill not being paid. In XXXX of XXXX I was worried that the autopay would not go through again, so I called Bank of America to make sure that the payment due in 5 days would be made automatically by the auto pay. When I called Bank of America they refused to answer the question, and this took 5 hours to resolve. The reason why it took 5 hours is because they were refusing to talk to me, stating that they could only speak to my husband who was put primary on the account. I am the one who opened the account not my husband, so I am not sure why he was put primary on the account in the first place. I feel that this is discriminatory towards woman, that the husband would automatically be put as primary, when I was the one who opened the account. I finally received a letter from Bank of America stating that I could have authorization to make decisions on the account that I opened, having been given permission from my husband. The letter was dated XX/XX/XXXX. Then it came the to the end of the payment cycle that was due XX/XX/XXXX and for a third time the autopayment was not made and I was charged a late fee and interest for a total of {$69.00}. This should not keep happening. I am signed up for autopay!

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