BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I requested an Official Check ( Cashiers Check ) to be sent for my rent payment of {$940.00} on XX/XX/2020. I have called USAA at the very least 20 times over the past six months about this check ( including today ). I have been on hold for hours, requested call back from managers ( not received ), and requested my money returned to my account. After speaking with a supervisor last week, I learned that the check had never been cashed. It took USAA literally six months just to tell me that the check had never been cashed! After speaking with a supervisor last week, I was sent an Return Declaration of Loss form. It was profiled out with " Lost while in my possession/Lost by third party individual or company. '' I sent this form back with a correction that it was not lost by the receiver since it was never received. It was my rent payment that I had to replace! Calling USAA for months with absolutely no help from them whatsoever. I sent that form back to them by fax on XXXX XXXX. Today I called USAA yet again. After speaking with a representative, a supervisor then someone from their " CEO Office '' that takes calls, I asked one simple question. After holding my money for almost seven months, when am I going to get it back? ... .The reply was simply " I don't know - we're looking into this ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Paypal Holdings, Inc
State: PA
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:
I purchased a product worth {$110.00} from XXXX on XX/XX/2023 but received a damaged product instead. I had promptly returned the damaged product but I never received a refund even after waiting three months. The XXXX tracking id is XXXX for the return. I submitted a complaint to Paypal but they said the the information I provided was invalid and closed my case. If one goes to the XXXX website and enters the tracking number they can clearly see that the product was returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent off a letter to National Credit Systemsfor account number XXXX, they have continuously defamation of my character by reporting this debt to my credit. I have sent them a Validation of Debt in XX/XX/XXXX they responded on XX/XX/XXXX with a letter stating they have yet to find sufficient evidence to validate this debt, the only thing they attached was a bill this could have been from any where my signature is no where on a print out, they have continue to report this debt to XXXX.I have also continued to write XXXX to let them know this company will not validate this debt to remove from credit. I have sent them another letter on XX/XX/XXXX no reply. this is was my final option I have sent another letter on XX/XX/XXXX they will not validate this debt I have asked them to remove this from my credit. I have attached all correspondences letters along with my Certified receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have a student loan now with Navient. they state that they only maintain the history of the loan payments for the last 50 months. They have reported the loan as negative on my credit report based upon information from XXXX. They contend nd that I did not make certain payments prior to XXXX XXXX, but do not have the information prior to that time. I have requested a complete history of the payments they are showing prior to the last 50 months and are unable or unwilling to provide me with the information requested. They sent me on a run around to XXXX XXXX XXXX XXXX who advised that they do not have the information and do not know where I can obtain it. I spoke with XXXX at Navient her ID number is allegedly XXXX XXXX and she was not helpful and rather dismissive

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Subject : Disputing Information in Credit Report I am writing to dispute the following information in my file : XXXX XXXX  XXXX Account Number : XXXX - inaccurate address I am formally requesting the removal of this item from my credit report. 

Please conduct a thorough investigation into this matter and promptly delete the inaccuracy. 

Sincerely, XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: In progress
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-03-03
Company: REGIONS FINANCIAL CORPORATION
State: MS
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 was hurt on job years ago needed help bank wouldnt help and turn account over to Collecting agent and showed write off on my credit report. I call Regions bank but they would not help me. I have payed this account off and I want it removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Nelnet, Inc.
State: AL
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 submitted a request for my payment plan to be changed in XXXX, and they lost or deleted my application with no correspondence. I submitted again XXXX weeks ago and still no word. 

They also charged my bank account twice incorrectly for the same amount. I don't know what to do. They don't have accurate information on how to handle autodebit on their website, they will not respond to email. I have called XXXX separate times, each time put on hold for over XXXX hours, and then disconnected. This is completely unacceptable. They overdrafted my checking account in error and told me that I was overdue for a payment when I was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: EQUIFAX, 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:
Equifax reported bankruptcies on my credit report. I requested the description of the procedure used to determine the accuracy and completeness of the information within 15 days. Also, I requested the name, address, and telephone number of each person contacted regarding these accounts. I formally requested any documentation bearing my signature. Any automated response or XXXX verification is unacceptable. I received a response stating bankruptcies were verified but no documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: SYNCHRONY FINANCIAL
State: MA
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:
I RECEIVEDA CALL FROM A COMPANY THAT SOMEONE MADE A PURCHASE FROM THEM AND THEY SUSPECTED FRAUD. THEY SAID THEY WERE CANCELLING THE TRANSACTION AND CREDITING MY ACCOUNT FOR THE {$1100.00} DOLLARS. I LOGED INTO MY CREDIT CARD ACCOUNT AND FOUND THAT THERE WAS ANOTHER CHARGE FOR {$440.00}. THIS WAS ON XX/XX/XXXX. I CALLED THEM ON XX/XX/XXXX AND REPORTED THIS FRAUD. THEY SAID I WAS NOT LIABLE. THEY ISSUED A NEW CARD AND ACCT. NO. BUT TRANFERRED THE {$440.00} TO THIS CARD. THE BALANCE IS STILL THERE. I THINK THEY WANT ME MAKE PAYMENTS. THEY REFUSE TO PUT THIS ON HOLD. WHY DO I HAVE TO MAKE PAYMENTS ON FRAUD. 
WHY DID THEY NOT CANTACT ME WHEN THESE TRANACTIONS WERE MADE? 
THERE WERE NO BALANCES ON THIS CARD. I HAD NOT USED THE CARD SINCE XX/XX/2018

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 2023-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Back in XXXX XXXX XXXX I was a victim of XXXX XXXX XXXX XXXX XXXX The accounts open with Capital One Auto Finance and XXXX XXXX XXXX XXXX was not open by me and is fraudulent also enclosed is a copy of a letter from XXXX XXXX XXXX Attorney XXXX XXXX verifying that these accounts are fraud and was not open by me case Number XXXX I demand these accounts be removed from my credit file within 7 business days as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XX/XX/23 A checking account was opened under my name without my approval. I do not know how my social security number got leaked. I reached out to the FTC as soon as I found out. I was unable to find a checking account number because it is not letting me change my password

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: Experian Information Solutions Inc.
State: NY
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:
The credit reporting company has stated that my account for XXXX XXXX XXXX XXXX was updated but the bureau nor the creditor are yet to show me proof that the account wasn't on time from XX/XX/XXXX-XX/XX/XXXX. According to FCRA 609A 1. Where is the proof? 2. Why is this account being updated?

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 2019-06-05
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I applied for a CitiBank Credit card. CitiBank turned me down due to FALSE information of a bankruptcy and unpaid credit accounts. 

I contacted CitiBank repeatedly and CitiBank swears that the info they have in their data base about me is correct, for a Bankruptcy and credit unpaid accounts going back to 1993. No one ever sent me any collections information. It has never gone to the credit bureaus. I then complaint to corporate and a so called employee from so called executive office, insists that the records they have are mine. And when I applied for a card for my son ; since, I'm his administrator, XXXX reported me to the Department of the Aging for Financial abuse against my son because I caller not very smart. The Department of the County of XXXX XXXX and myself wasted a week trying to take care of such false report by CitiBank. 

I have a Sears CitiBank Credit Card also.

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 2019-06-05
Company: EQUIFAX, INC.
State: GA
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 dispute the XXXX XXXX XXXX XXXX belongs to me. I have request debt validation from XXXX and have been denied access to documents required by law. I am re-questing a re-investigation and the method of verificatio under the FCRA section 611 ( a ) ( 7 ). 
Please provide this information within 15 days of the request. 

I have also uploaded copies of Consumer Federal Protection Bureau documents sent by XXXX showing how they have not been able to locate my account, then went on to deny me copies of any documentation to show any validity to the claim of this account. 

How can a company deny me copies of a contract, bill, or legal right to collect any debt they have reported and Equifax be able to verify it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Adjustable rate mortgage payment increased from {$3600.00} to {$9000.00}. 

Have never missed a payment or been late in 13 years, but ca n't refinance because we do n't have 2-years employment history, so a loan modification is the only option. 

We 've been in the Ocwen " Request for Mortgage Assistance '' process since XX/XX/XXXX, and provided all the requested documentation by XX/XX/XXXX. It takes Ocwen 2-3 weeks to review documents, and on three separate occasions they have requested the same document that is already in their possession. 

It 's impossible to reach a representative who can or will review the paperwork and sign off, and we have n't even made it to the underwriting/remodification stage. 

It appears that Ocwen 's strategy is to appear like they are trying to process loan modifications, while relying on purposely inefficient processes to maintain the status quo. I know for a fact it would n't take this long if they were processing a new loan application. In the meantime, our mortgage payment increased by 2.5x and  {$5400.00}. We ca n't survive much longer.

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 2023-04-24
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent my personal and exact information from all 3 bureaus back to them via certified mailing and waiting to receive an update on my credit report to remove all negative and improper information on my credit report using the FCRA law that is illegal to gather my personal information for things that are unrecognized and selling information that arent opened to me actively and unable to apply to future loans and purchases for my FICO and/or credit score via XXXX. Dates from XXXX to XXXX with auto, credit cards, hard inquiries, and late payments inaccuracies are unavailable of receipts from these companies. I need a change of my credit report even as closed with monetary relief should be accounted for with my report status.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX I received harassing phone calls from an XXXX XXXX stating he was calling on behalf of XXXX XXXX XXXX. He called me at least 5 times within a 2 hour period, and left messages stating I 'd be responsible for a debt and continued to recite my personal information to include my social security number. I received at least 10-20 phone calls over the span of 12-24 hours, and continued to receive harassing phone calls, even when I told them to stop calling, because I did not know who they were. I had to block the phone numbers they called from, because the phone calls would be disruptive during the work day, and they would not stop. I filed an Identity theft affidavits with the IRS and notified XXXX and XXXX to place fraud alerts on my accounts. I saw an alert that an account was added to my credit report ( XX/XX/XXXX ), by the name of MIDWEST RECOVERY SYSTEMS, on behalf of XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2023-04-24
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:
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries, nor they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC. Please see the attached FTC Report and remove the unauthorized inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: CITIBANK, N.A.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I had a five year home equity loan with Citibank. I had two years left on the loan before expiration and decided I wanted to extend it to a ten year loan. I contacted them and started the loan process to do this. I was approved and obtained a ten year home equity loan. After all the paperwork and legal documents were processed I was the loan became effective I was billed {$1100.00} for terminating loan before it's expiration. I had no idea there were fees to be billed because I was under the impression I was only extending out the first loan for a longer term. At no point did anyone I dealt with disclose or make me aware of these fees or I would not have chosen to proceed. I tried to discuss and clear up with the rep I dealt with and she also agreed that they didn't disclose this fee to me. She as well as myself have been unable to get these fees reversed. I sent a letterXX/XX/XXXX to Citibank to consumer credit, another XX/XX/XXXX also to consumer credit and also on XX/XX/XXXX to Citibank attention XXXX XXXX. On XX/XX/XXXX I sent a fax to XXXX XXXX at Citibank and had numerous phone calls with XXXX XXXX and Consumer Credit at Citibank. No one was able to resolve this for me. In the state of FL there are full disclosure laws. None of these fees were disclosed to me at the time of the loan or I would have chosen not to do so.

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