BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am writing to dispute the accounts referenced below. 

1. XXXX XXXX XXXX XXXX, XXXX, 2. XXXX XXXX XXXX, XXXX, I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify the debt ( s ). How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclosed copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. They have failed to provide me with a copy of the original contract, bearing my signature, solidifying the fact that this debt belongs to me. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter.

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 2018-04-28
Company: Resurgent Capital Services L.P.
State: IL
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:
I requested that this company validate the debt that was sent to me and proof that they were licensed to collect this debt. This company did not fully validate the debt and they are not and they are not licensed to operate in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 challenged the credit bureaus to provide me with written documentation on the process on which they verified a bankruptcy that is listed on my credit report. I never got a letter back from these request and I submitted these requests back on XX/XX/2020. Then the credit bureaus only send me an email stating the information was verified but nothing was provided to me as I requested. I am trying to find out if they are metro 2 compliant and if they are not the information needs to be removed from my credit report immediately.

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 2019-11-18
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I RECEIVECED A CALL TODAY FROM XXXX XXXX XXXX XXXX. XXXX XXXX XXXX North Carolina, XXXX, CALLING ME IN AN ATTEMT TO COLLECT THIS PAYMENT, THIS IS THE 3RD COMPANMY 2 CALL ME PERTAINGING TO THIS DEBT WHICH HAS BEEN PAID SINCE XX/XX/XXXX OF THIS YEAR, THEY HAVE SOLD THIS DEBT SEVERAL TIMES, AS WELL, AS THEY ALL HAVE MY DATE OF BIRTH LAST FOUR OF MY SOCIAL SECURITY NUMBER, I HAVE ASKED THEM TO CEASE THE CALLS, CEASE SELLING MY INFORMATION AS IT IS A VIOLATION OF MY RIGHTS, I AM AN XXXX VETERAN SUFFERING FROM XXXX THIS IS CAUSING ME EXTREEME XXXX XXXX, PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Credit card payment was due on XX/XX/XXXX. Made payment on XX/XX/XXXX @ XXXX ( CST ) and acknowledgement was dated XX/XX/XXXX. Payment confirmation number : XXXX. The credit card company ( Capital One ) then charged me a {$27.00} late fee. Since payment was made on the date required, no fee should have been charged. Reached out to bank, but they stated that their deadline for payment is XXXX Eastern Standard Time ( XXXX CST ) .In other words, they do not give customers the full day to make the payment. ( Persons on the West coast would have to pay by XXXX or have extra fee charged )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-26
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received my escrow analysis dated on XX/XX/XXXX. The analysis has excluded one of my monthly payments for XX/XX/XXXX causing a larger than necessary collection of escrow payments. My payment for the XX/XX/XXXX payment was received by the Company, Amerihome Mortgage on XX/XX/XXXX, however was not included in the calculation. 

Total paid for the period XX/XX/XXXX to XX/XX/XXXX is {$6100.00} with a beginning balance of {$1000.00} for a total escrow to be used of {$7200.00}, and taxes were paid out XX/XX/XXXX in the amount of {$4600.00} leaving the balance in escrow at its current amount of {$2600.00}. Insurance will be coming out in XXXX in the amount of {$1700.00} leaving an escrow balance of {$860.00}. The analysis shows that my minimum amount due should be {$940.00}. Leaving a shortage of {$79.00}. 

With the amount for one of the months missing the amount due is being calculated at {$1100.00} and collecting monthly at {$91.00} plus the new escrow amount of {$530.00}. 

I called Amerihome to request a new escrow analysis to be run and was told, " sorry it is correct and by the way it doesn't go into affect until XX/XX/2019 ''. 

Then I asked to talk to a supervisor and the supervisor said I was wrong. So I asked to speak to a higher supervisor and was told the higher supervisor would be calling me back in 24-48 hours. 

This is not correct and companies should not be allowed to bully their customer 's. I have never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
A separate case has been previously been opened and closed ( Case # XXXX ) ; however, this complaint deals with USAA violation of 12 CFR Part 1005, 11 ( d ) ( 1 ). 

While I continue to state that fraudulent activity occurred with my debit card and USAA wrongly denied my claim. I have repeatable requested a copy of all and any documentation used in fraud claim # XXXX. Per 12 CFR Part 1005, 11 ( d ) ( 1 ) " Request for documentation. When a consumer requests copies of documents, the financial institution must provide the copies in an understandable form. If an institution relied on magnetic tape, it must convert the applicable data into readable form, for example, by printing it and explaining any codes. '' On XX/XX/2018 in a recorded telephone call with USAA, I explicitly requested a copy of documentation used. I further made a written request to USAA in XXXX, XXXX and XX/XX/2018 for this documentation. As such, USAA has failed to provide this information to me and therefore, USAA has committed a violation of Regulatory Guidance.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-26
Company: EQUIFAX, INC.
State: GA
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 feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: Big Picture Loans, LLC
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a pre-screened offer from Big Picture Loans, a tribally owned loan company ; XXXX. I applied online but got to the terms and was confused as I had never seen terms explained in the wording they used. 

" Loan amount : {$750.00} Loan rate : 550 % Term : 6 months. '' They did not state APR, so I called to see what " loan term '' meant before I pressed continue. I was told that 550 % IS the APR! I was absolutely appalled. XXXX told me on the phone, a loan of {$750.00} at {$160.00} for 13 payments. That equals {$2100.00}! For {$750.00}!? I have never heard of an apr higher than 29.9 % for people with horrible credit. Now I understand that they are their own government and the regulations do not apply to them, but this is robbery. Something needs to be done about the way they are conducting business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am beyond disapointed by Bank of America they are nothing but liars and they have not helped me at all during this past month. A couple months ago I found out my account was closed, I called them and advised them that I currently wasnt working, but I would be soon be moving and getting settled with a new job and I would be able to settle my debts. I then asked the reprasentive the big question. Once my debts were settled would I be able to open a new account. The representative convinced me that if I paid off my balance, I would be able to open up a new account by the end of that week. So I pay the XXXX to make it right with my overdraft fee and the XXXX on my credit card with them. The week comes and goes and once I notice that the funds are out of my account I go back to the branch all I excited that things are comming along. I then get told that bank of america will never open an account with me again. Of course after that statement I was confused. Not only did the woman I spoke to earlier in the week say once I paid I could re open she never mentioned that my account also had supposebly a fradulent check that tried to be deposited. During that time of my life I was jobless and didnt have money comming in and Im not sure how it happned but my card was stolen. They told me to write a statement and my name would be removed from the XXXX XXXX   and XXXX XXXX. I also dared them to check out the survelliance for who ever diposted a check into my account because it was never me. It was theft. A month has came and gone and stilll no answers despite the fact I am constantly calling to make inquiries. I have no desire to ever have an bank account with tyrants ( BOA ). But the fact is I am a victim, I paid all my debts and still everyday I been getting nothing but the run around. If Bank of America is not willing to let me open another account, good riddance but dont mess with my livlihood, lie, give me the run around. Keep ur paid debts and give me back my XXXX name, Take my name off XXXX XXXX and XXXX so I can move on with my life, Bank of America is a self serving entity and I suggest you never choose them to be your home bank. 



-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 2019-11-18
Company: Experian Information Solutions Inc.
State: FL
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 received notification that XXXX XXXX XXXX XXXX has reviewed my credit report again without my consent. This is the 5 time in the last several years they have reviewed my credit report. Every time they do it I contact them and tell them I am not trying to buy a car. I have told them I have no interest in doing business with them in the past, present nor future. Stop pulling my credit report. 

After filing complaints, they contact me and say they got my information from a car deal. A car deal that I did not authorize to pull 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 2019-03-26
Company: DISCOVER BANK
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I had a Discover credit card that I was approved for approximately 18 years ago when I lived in XXXX. I moved up to XXXX XXXX 15 years ago and ran in to some financial problems a year or two later and could not pay my debt owed which at the time was around {$13000.00}. Discover did send me letters saying it was going in to collections, but soon after than all communications from them ceased. I never heard from them again until about 8-10 years later saying they took me to court and sued me for {$26000.00}. Again, after that all communications stopped. A few months ago I received a letter from the Sheriff saying that my wages were going to be garnished. I had an attorney contact Discover to make a lump sum settlement for the original amount owed, but they refused to make any kind of settlement for any amount. I know that I NEVER received any form of legal documents from them in the form of a certified letter or document and was never served at any time. I believe they violated the statute of limitations in regards to filing the lawsuit. XXXX  statute of limitations is 3 years and XXXX XXXX  is 6 years. I know they took longer than that to file the lawsuit. That in addition to never serving me or sending written notice of a lawsuit I believe makes the lawsuit illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I bought a brand new car from XXXX XXXX in XXXX, NC in 2013. It was a lemon from the first day I drove it off the lot! I became Leary of the vehicle after numerous parts were defective on the car and broke down. I ask these people to please make this right and put me in a safe vehicle. They denied me over & over again. I had no choice but to volunteer the car back to them. They resold the vehicle, collected insurance money and have damaged my credit in the meantime! They ( Santander ) say I owe them {$10000.00}. They should have to pay me for the XXXX Ive been through about this horrible car! Please, somebody help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Most of my charged off debts register last activity in XX/XX/2014. Have I past the statue of limitations? I am getting a wage garnishment assigned to me in a few days due to court is in XXXX and I now live in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have significant concerns about the XXXX and Bank of Americas new policies regarding transactions related to firearms. I have accounts with both banks, and am inclined to cancel them. I am especially concerned with increased scrutiny on law-abiding businesses in the constitutionally protected firearms trade. 

My transactions have apparently been reported in some way, and it is affecting my health care licensure and professional position. My employer has asked for explanations of specific transactions that had to have been reported by either XXXX or BoA. 

It feels like yesterday when XXXX and BoA received nearly a trillion dollars in taxpayer-backed guarantees and cash after putting the entire financial system at risk. This was the single largest government bailout in American history. 

I am tired of law abiding citizens being targeted for the actions of criminals. I hope that you will use your influence to put a stop to it. 

This particular instance seems illegal on its face.

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 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that 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 non-monetary relief
Consumer complaint received 2019-07-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
USAA partners with XXXX, an instant money transfer service. XXXX is advertised as being the safest way to transfer money because it is linked directly to your bank. However, it is a known danger as it is specifically requested by scam artists due to the speed and lack of protections from XXXX or the bank. 

I was a victim of a scam to buy tickets, and {$400.00} was transferred to a scam artist on XX/XX/2019, via XXXX on my USAA mobile app. It was requested by the scammer, and I was unfamiliar with XXXX but knew it was touted to be safe because it went through USAA. 

As soon as the transfer was completed, the scam artist turned the phone number off so it was no longer in service. I immediately called USAA and was told there are no protections and there is not a way to cancel the transfer. 

I filed a dispute on XX/XX/2019, with USAA and was told quote " XXXX is a personal money transfer service and does not provide purchase protection. The transfer was completed as requested and any dispute must be resolved with the user to whom you sent money to. '' After spending close to six hours on the phone with USAA this week, I was told I signed up with XXXX with fine print that said not to send money to people I did not know. I have decided to leave a bank I've had for years because of the trust I put in the bank to provide safe services via their mobile app. 

I am filing this complaint because I feel consumers need to be made more aware of the ease in which scam artists are using XXXX. There is a false sense of security when you use your bank 's mobile app to enroll and use XXXX, and scammers know this. USAA even said they know it is a problem and have " made their members aware via a FAQ on their website. '' This is not enough. I believe banks that make XXXX available should send a physical letter letting them know the dangers associated with this service, especially since it is known by them to be an issue. 

I am very disappointed in the lack of protections offered by banks when their customers use XXXX because of the false sense of security. If you can not trust your bank to protect you, then who can you trust? Maybe I should ask the scammer when I also ask him for my money back ... 

I do not have any documents to upload because USAA refused to comply with my request for the documents. We've asked for the documentation used to deny my dispute as well as the terms and conditions I agreed to when signing up with XXXX. However, they refused to do so each time, despite the statement in my denial of dispute email that stated : " If you have questions or would like to request copies of the documentation or information we used to make this decision, please call us ... '' Therefore, I have nothing to attach, unfortunately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation