BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Ive had XXXX separate disputes with USAA in recent months and they are blindly siding with the merchant. Most recently, I spent upwards of 40 days arguing the validity of a dispute with them only for it to finally be reimbursed by the merchant themselves after threatening legal action. They claim that they send documents and they do not, they make not attempts to reach out via electronic communication even though Ive signed up for them, they cite letters that theyve mailed, they lose evidence. My last once went as far as telling me that I had to prove that this merchant was who I said they were because the point of sale company didnt match the company name. Even though I had time stamped transaction details and written communications with the merchant acknowledging the debt. USAA not only didnt believe me, they wouldnt believe the merchant either. They are enforcing customers to investigate their own claims ( hours ) and pulling back credits with no explanation or notice. An agent admitted that they recently changed their claims process. They also refuse to disclose any evidence of their ruling. Nor do they reach back out to the customer before ruling ( something they explicitly state that they will do ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: Mitchell Rubenstein & Associates, P.C.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX  was the original account holder for a fraudulent account that was opened in my name. The account was turned over to XXXX XXXX for collection. I have an account with XXXX XXXX listed on my XXXX and XXXX Credit Reports in the amount of {$1300.00}. Both credit bureaus have refused to remove the account from my credit reports. I have disputed this item and will continue to dispute this item until it is removed from my credit reports. 

I contacted both credit bureaus on XX/XX/XXXX and disputed this item yet again and while both credit bureaus have complied with filing the dispute they informed me that they have verified that this is my account. I contacted XXXX XXXX on XX/XX/XXXX and they referred me to Mitchell Rubenstein and Associates as it pertains to this account. I did contact Mitchell Rubenstein and Associates on XX/XX/XXXX by phone and they were closed. I also sent them an email as well on XX/XX/XXXX. 

I received a letter from XXXX XXXX  Fraud Dept. dated XX/XX/XXXX that the company verified that this is not my account and that this account was indeed a fraudulent account that was opened in my name. 
I do not understand how I can have a valid letter from the company and yet this item still remains on my credit reports even though the company has verified that the account does not belong to me and was a fraudulent account. XXXX XXXX informed that they sent electronic letters to both XXXX and XXXX telling them to remove this item from my credit reports ASAP and yet it remains.

XX/XX/XXXX will be two months and according to the letter I received from XXXX XXXX it can take up to 30 days or 4-6 weeks. Well as of XX/XX/XXXX it will be 4-6 weeks and this item has not been removed from my credit reports as of yet. The letter sent to me by XXXX XXXX was dated XX/XX/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 2019-09-10
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This complaint about Unautorized hard inquiry left on my Equifax credit XX/XX/2019  via creditor XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: World Omni Financial Corp.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I talked to the collections department about this account which they told me I would be up to date. I made payments and was reported every month after as past due. I would like the payment history deleted on this account as it is not true due to what I was told. My customer service was excellent from this company and I would like them to stop reporting the payment history which I feel would make me whole due to our conversations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: AmeriHome Mortgage Company, LLC
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 information incorrect

Complaint:
Mortgage payment was returned for NSF. When contacted Mortgage company to pay over the phone I was advised not to pay it. I was told the payment would go through a second time automatically. Contacted the Mortgage company a few weeks later to discuss the payment again. Was then told the Payment would not be pulled automatically and that I needed to pay it. Money was in the account waiting to be paid. The mortgage company reported a 30 day late to the credit bureau. It should have never happened. It was completely the Mortgage companies fault..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: AES/PHEAA
State: PA
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:
MY ACCOUNT IS PAID IN FULL! My account will get adjusted them payment will reverse back to account balance but not back to my bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: ERC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a recorded message saying that a party had filed charges against me and I had to call them back immediately. When I called they would not tell me who the party was or what the charges were and they told me to call another number. When I called the second number, they brought up an old phone bill from roughly 12 years ago. The original debt was with XXXX. I asked them what they were talking about, how could they threaten to arrest me over a 12 year old debt. I told them it was beyond the statue of limitations and I did not even think their conduct was legal. They laughed at me and hung up. That debt soon appeared on my credit report as if it was a new debt. I tried to dispute it, but XXXX  verified that it belonged to the company that had contacted me and told me I was going to be arrested. The company 's name is ERC. They are located in XXXX, Fla. The number is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft and fraudulent actions. I have filed the attached FTC Report, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance to please remove and DELETE the accounts that were opened by fraud as per FCRA Section 605B ( a ). 
This fraud under my name and personal information are unacceptable. The listed accounts are unknown to me and they are inaccurate. My payments have been stellar and I dont remember missing a payment. Please block or remove these accounts from my credit report, pursuant to the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2018-06-22
Company: CITIBANK, N.A.
State: WA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Citi credit card was closed in XX/XX/XXXX. A credit for XX/XX/XXXX {$69.00} was issued to that card by XXXX XXXX but the hostile and dishonest Citi Bank refuses to talk with me on phone and send me my money which I'm owed. 

Citi Cred card end in XXXX XXXX This another example of hostile and unprofessionalism at Citi Bank Card cards.

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 2020-08-29
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: Information belongs to someone else

Complaint:
I sent documents proving some information on my credit report didn't belong to me, including a court order to have the information removed, and it still appears months later after multiple attempts to have the incorrect information removed by Equifax, XXXX, and XXXX. 
Specifically, any and all accounts listed from XXXX XXXX XXXX should be removed.

Specifically, any and all Hard and Soft Inquiries listed from XXXX XXXX should be removed because of online fraud and a court order to remove. 
Specifically, on Equifax report any and all late payments from XXXX XXXX XXXX should be removed or marked paid as agreed and on time. 
All three bureaus were sent certified and non certified documents from my attorneys office to have these items removed and they still appear today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, 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:
Equifax violated my rights Under 15 USC 1681 a number 3. Equifax assumed this role without permission not only that you did not have my consent.

Under 15 USC 1681 a number 4. I did not exercise your grave responsibility you were unfair, you were partial and you did not respect my right to privacy. 
already filed a CFPB report and an attorney general 's complaint. I can give you the CFPB report. ( File the CFPB report a few minutes before calling ).

You never had a permissible purpose Under 1681 b number 2. I never instructed you to furnish this report or to create this report. I never consented to this report in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: FinCo Services Inc DBA Current
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My name is XXXX XXXX I am filing this complaint for myself against current bank which is a choice financial group I had deposited {$100.00} and {$76.00} into my account online on XX/XX/XXXX at XXXX XXXX. I tried to transfer my funds to my go to bank account which is through XXXX XXXX XXXX and when I tried to transfer it it said this action could not be completed at this time please try again later but it charged my current account so it took all my money out of my current account and did not deposit it into my go-to bank account and now the money is pending and I have no money but both Banks are saying that there's nothing that they can do so nobody will give me my money nobody will do nothing for me and I'm broke losing stuff because I can't make my payments on time because those banks will not give me my money I would appreciate it if something was done about current bank please thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
This is an additional complaint in connection to a previous complaint # XXXX about TD Bank. Since the previous complaint, more issues have arisen with lack of communication and professional responsibility. In XXXX of 2019, we faxed the required forms and supporting documents to TDBank for probably the third or fourth time. Then they sent us a letter once again saying we were missing a form for XXXX   XXXX. Thus, we completed and faxed that form with another set of copies of the supporting documents. XX/XX/2019 we received a letter from XXXX XXXX ext. XXXX of TDBank 's Loss Mitigation Dept. stating that they had everything and would be reviewing our loan modification. Then, THREE TIMES after, we received letters from TDBank stating that they still needed our tax forms and my husband 's P and L from his business that we had already given to them. We kept resending them to no avail. By the third letter, which included a letter from their lawyers, XXXX XXXX, on XX/XX/XXXX, I decided to call their paralegal XXXX XXXX to find out what was going on. She clarified that TDBank needed XXXX to complete their P and L form, because they couldn't understand his. If this had been clearly communicated before, we wouldn't have had to send the same things out multiple times. ( If you refer to our past complaint, this is an example of a constant issue. ) XXXX got everything over to XXXX through an email, and she clarified that she received it and would let us know if anything else was necessary. We have waited since XXXX to hear the outcome. In the process, on XX/XX/XXXX, we received a packet stating how much we were in arrears and that we would be perfect candidates to apply for a loan modification within 60 days!! Which made absolutely no sense, whereas we were currently waiting to hear about the results of our application already. XXXX XXXX, our HUD Advisor at XXXX XXXX XXXX attempted to call TDBank at the beginning of XXXX to get some clarification, but was not able to get through to anyone. ( This is another example of the issues that have constantly been occurring. ) I finally called on XX/XX/2019 since we hadn't heard anything. I spoke with XXXX XXXX XXXX # XXXX. She stated that we were denied, because XXXX  XXXX felt the payments would be too high. She couldn't explain why we didn't receive notification, or why we got the packet on XX/XX/XXXX. I explained to her that if this had been solved 5 years ago, and if TDBank would accept payments from us this entire time, it would not be this extreme and the amount would not be so high. On paper, it looks like we haven't tried to pay anything and are at least {$90000.00} in arrears. TDBank refuses to take any payments unless it is the entire amount, and they have set us up to fail over the past 5 to 6 years. We just want to pay our mortgage, and eventually own our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: General Motors Financial Company, Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My car loan was serviced through GM financial on XX/XX/18. I have XXXX which is a 3rd party that pays auto loans and pays them off quicker. The company does not allow bi weekly payments, they also don't show a payment history on my account that tells me what went to interest and what goes to principal. I was told I can't see the payments the 3rd party makes on my behalf because I didn't pay them. My account shows no payments posted. I was told the only way to see my payment history and what was posted was through the monthly statements. I was told my account accrues interest everyday which was not told to me at the time of my loan signing. I was told I can't request an amortization statement. I am just being told I can't see or do anything with the account but see the basic stuff which to me is not consumer friendly especially since I am the consumer. I can never see anything that goes to what payment. I am being denied my right as a consumer to know where my money goes, and I am being denied my right as a consumer to see what is happening. To me this is a fraudulent lending practice because my loan was XXXX at the time of the loan, and now I owe them more than the original loan terms after 2 payments of XXXX has posted to the account. I know owe them XXXX. I believe I am a victim of predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: EVERBANK, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a money market in XX/XX/XXXX and funded {$20000.00} into the account. I did not notice that they ordered checks for my money market account ( savings account ) and I took {$5000.00} from it as I thought it's from my checking account for 5 days and I re-deposited {$5000.00} into the account. As of now, I have maintained {$20000.00} balance in the account for almost 120 days and the bank refused to honor the {$200.00} bonus because the balance was less than {$20000.00} for the interim 5 days. According to their advertisement, I only need to keep {$20000.00} for at least 90 days following the account opening which I would be qualified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My bank notified me of a major derogatory activity on my credit on XX/XX/2021, that's how I realized that there was a company charging a debt against me ( I.C. System, INC. ) I called them and they said that said I owed {$120.00} for a procedure done at the XXXX XXXX XXXX XXXX in XXXX in XX/XX/2021. 
I called the XXXX and they apologized saying that this bill was paid by my wife on XX/XX/2021 and that they advised the debt collection company IC System that this bill was already paid but this company, IC System did not withdraw the billing and reported to the credit bureau that I still owed this account, irresponsibly damaging my credit. 
I called I.C. System asking for an explanation for continuing to have it on their system as a debtor. An IC employee told me over the phone that there was a duplication of my case and that the system was improperly charging the same debit from XXXX. They did not offer me any resolution regarding the wrongful collection and the recovery of the points lost in my credit due to neglect of the company.

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 2020-11-13
Company: BARCLAYS BANK DELAWARE
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
on XX/XX/XXXX, I applied tor the XXXX business card issued by Barclays. 
Upon submitting my application, I received a message stating that Barclays needed to contact me to obtain some more information. There was no number provided on the page so that I might contact the bank, in case that dod not contact me. 
After reviewing the message a few times, it occured to me : I have been a customer for a year and a half. The bank already has my information. On XX/XX/XXXX, I began researching how to contact the applications department. after a few calls, I was unable to locate someone who might have answers. Each representative told me to " just wait ''. 

In XX/XX/XXXX, I wanted to reinstate the uber visa that I had closed. I tried to locate the chat feature on the ios app, however, I was unable to locate it. I then called the number on the back of the card. I did not even reach a representitive, because I was required to enter a pin, which I could not remember.

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 2020-11-13
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: Investigation took more than 30 days

Complaint:
To whom this may concern, While conducting a credit audit on XX/XX/2020 I sent off my first round of letters to both XXXX and Experian to verify debt. I want to ensure this debt belongs to me. Unfortunately, it has been 57 days and I have yet to receive any resolutions! I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

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 2017-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I checked my Trans Union Report and discovered Trans Union had put two negative accounts on my credit profile. The two negative items are from XXXX XXXX XXXX XXXX XXXX. Upon further research I discovered that the last update supposedly reported was on XX/XX/XXXX. This is absolutely bogus. I have a trans union report obtained in XX/XX/XXXX that will explicitly show that these two accounts were never on my report in XX/XX/XXXX as stated by Trans Union. These accounts did not appear on my account until after the XXXX breach. I tried to go on line to dispute these accounts but was not allowed by Trans Union. I request Trans Union remove these Bogus accounts immediately and not put them back in the future. Also Trans Union should be penalized for adding negative information without validating this information.

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