BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-25
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX AND IC SYSTEMS is reporting an account created in 2013 from ID THEFT which is in violation of California Statute of Limitations Fraud 3 yrs. Civ. Proc. 338 ( d ) Collection of Debt on Account 4 yrs. ( book and stated accounts ) Civ. Proc. 337.

I am requesting a block " FCRA '' 605B ( 15 U.S.C. 1681c-2 ) ( a ) ( 2 ) Block of information resulting from identity theft. Block, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.

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 2017-11-29
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I bank with Navy Federal Credit Union. My concerns are the EFAA ( Expidited funds availability act ) mandated by the Federal Reserve System. NFCU trick there members into thinking there getting direct deposit early. This is not the case. This has been an ongoing issue. They have changed policies without giving customers any knowledge. At the end of the day there practices are paying interest from customers checks every month. Its stealing and its wrong. Its more than what im explaing. I have the right to choose who I want to bank with. There purposely not giving out valueable information to keep their customer base. Please contact me for further details in this matter. It needs to be address so people wo n't lose money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: Bread Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX, a debt collector has been attempting to contact us about a past due bill. This debt collector is contacting a 3rd party on numerous occasions ( my Father ) Debt collectors are not allowed to contact 3rd parties or Family members more than one time, unless that family member or 3rd party requested them to do so. My father has informed this debt collector that we do not reside at his home and has asked not to be called. XXXX XXXX has contacted my father more than 2 times per day for a week straight, and at all hours. This must stop or we will be forced to take legal action. One operator has left his name on multiple occasions, his name is XXXX XXXX, or do he says. XXXX needs to follow the laws for debt collection, when attempting to collect said debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-16
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: Information belongs to someone else

Complaint:
I have filed a report with the federal trade commission and identity theft.gov regarding these fraudulent accounts opened in my name without my authorization or permission. I demand these accounts be deleted completely off all major credit reporting agencies as they are fraudulent misleading and deceitful. I am avictim of identity theft and have attached my report supporting my dispute.

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 2019-03-25
Company: Aqua Finance, Inc.
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
XX/XX/XXXX and XXXX, 2019, my father, a Veteran of advanced years and poor hearing, was approached by XXXX XXXX XXXX of Florida and sold, via financing, a water conditioning system he does not need. I attempted to resolve the matter with XXXX XXXX and when that didn't work, I attempted to resolve it with Aqua Finance Inc, the company that XXXX gets paid by. Aqua Finance has no interest in releasing my father from a contract he didn't realize he was signing, nor are they willing to work with the investigator from the County Consumer Protection agency that I engaged when I filed a complaint with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
For 2 years equifax has been showing an account in collections and owing a balance of {$2400.00}, which I paid off. All other reporting agencies have updated but this one. I have filed disputes numerous times over the years, providing receipts & settlement letters to no avail. Now they are suddenly showing me owing a balance on an account I paid off in XX/XX/XXXX. Their report even shows me owing a XXXX  balance all through XX/XX/XXXX until now, but now they claim that I suddenly owe {$1700.00}. No other reporting agency is showing me owing a balance on either of these accounts, just equifax. So since Ive had no luck filing disputes with them in the past, them getting hacked, losing my information, covering it up, then trying to get me to pay for credit monitoring due to their error, and now them claiming I owe money on an account they show had a {$0.00} balance on last month, thats the final straw. Since me working with them hasnt worked, Im trying something different in the hopes of finally resolving this and getting my credit score where it should be in the one reporting agency that it lags. I have attached a copy of the settlement letter showing that I paid off what equifax says I owe and is in collections ( Ive provided this multiple times to equifax ). I also included screenshots of what equifax shows for my credit report vice what other reporting agencies say. You will find that they all show XXXX balances and that these things were resolved years ago where as equifax refuses to update the information to show the correct and up to date data. Thanks for your time and consideration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-18
Company: Jon Barry and Associates, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have been receiving harassing phone calls from this agency. this agency trying to collect a debt I do not own. this agency contacted me by calling my phone and family member several times a day over the past weeks and sent me a letter dated XXXX XXXX. I am requesting this agency stop harassing me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Transunion is incorrectly reporting my credit history - it is missing my credit card payment and activity history. 

I have contacted TransUnion and XXXX XXXX XXXX about the matter. I called TransUnion customer service twice- I don't recall specific dates and discussed the issue. They advised me to check with my bank/credit card account provider if they are reporting the credit card activity correctly. I contacted my bank/credit card issuer ( XXXX XXXX XXXX  ) and I was instructed to contact TransUnion because TransUnion is not picking up my name correctly ( XXXX XXXX instead of XXXX XXXX XXXX ) thus not picking up my credit card activity. I contacted TransUnion about the name they are using for my credit score and report and they said their system is not picking up my full name - XXXX XXXX XXXX. My first name XXXX XXXX is not recognized in the system due to the space. It is picking up as XXXX or XXXX. I requested them to use XXXX instead of XXXX. I filed their online dispute form with the same request without any further changes/improvement. I contacted my bank to make sure they are using correct names for this purpose. Transunion is still not reporting my credit card activity. 
This leaves me at false credit score which has resulted in many negative impact on my financial situation. 

Other credit reporting agencies, such as XXXX, are correctly reporting my credit history. I don't understand why transunion is unable to do the same.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/XXXX I've opened a USAA account and then opened a trading account with USAA. Today XX/XX/XXXX I tried to log on to start trading and I get the error message XXXX my account is restricted. I called USAA and I was told that USAA is " excersing its rights not to do business with me '' FOR WHAT? I DID NOTHING WRONG ITS NO FRAUD NOTHING BAD IN MY NAME OR IN MY RECORDS OR WITH XXXX! My social is brand new after being a victim of id theft and I decided to give usaa a try and I get treated wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018, our home was destroyed as the result of the Camp Fire in XXXX, CA. It's known as the worst disaster in history. We received a check from the insurance company that was 96 % of the payoff of the home. We promptly sent the check to SPS Servicing , Inc. ( our mortgage company ). We are working with a private attorney to sue the Insurance Agent ( not company ) for not changing our insurance from rental to primary. The mortgage company knew we were short. They received 96 % of the funds in XX/XX/2018, but refused to apply those funds towards my account as they wanted us to rebuild instead. We do not want to rebuild. Our lawyer finally got them to apply the funds to our account. They have put a negative mark on our credit. They also will not accept a short pay option to clear the last of the debt. Our lawyer is appealing the short pay denial. 

This was not our fault. SPS wants to foreclose on a house that no longer exists. 95 % of XXXX burned down that day. The town no longer has infrastructure. Our credit is now damaged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: BARCLAYS BANK DELAWARE
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My wife made a double payment for our Barclays XXXX XXXX on XX/XX/2022 ( the due date ). It was posted and marked received on Tuesday, XX/XX/2022. No late fees. 
On Thursday, XX/XX/2022, I checked the " current balance '' and it said {$5600.00}. I paid the amount in full on Thursday, XX/XX/2022. It was posted and marked received. 
On Friday, XX/XX/2022, there was {$100.00} in " interest charges ''. 
I contacted the company through chat on Sunday, XX/XX/2022. I was told that it was a previous unpaid amount- and then later told it was a late fee. 
I checked with my wife and saw that we were not late, that she, in fact had paid a double amount on the due date. 
I contacted the company again through chat today, Monday, XX/XX/2022. I was told that it was interest charges. I asked why they were not reflected in the posted " payoff balance '' and XXXX told me that it just wasn't. I said that if there are fees or charges that are not listed in the payoff balance that shouldn't that be fraud? She said no, it was a valid interest charge. I asked her for the payoff balance today to pay off the card and close the account. She told me {$100.00}. I asked how was I supposed to trust that I pay that off today and then have another {$50.00} " interest charge '' tomorrow. How can you trust a company if they post a payoff amount, but can arbitrarily charge " interest fees '' without proof the next day?

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
Consumer complaint received 2019-04-18
Company: Bread Financial Holdings, Inc.
State: RI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX offered my a couple of credit cards, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX, every month they run my credit score, they lower my limit, and now they have closed 2 of my cards. Why? i have always paid on time and more whats due. They are the ones messing with my credit score. When they lower the limit it makes me overlimit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am unable to reach USAA either by phone, chat, or email to designate a beneficiary for a savings account. Constantly redirected and then disconnected. Not even able to send email message or chat.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
In mid XXXX XXXX, I initiated a re-finance of my home mortgage through my then current mortgage company, Cardinal Financial. On XXXX/XXXX/XXXX, I paid {$600.00} to Cardinal ( over the phone ) using my XXXX XXXX XXXX card for an appraisal. 
On XXXX/XXXX/XXXX I emailed the contact at Cardinal Financial ( XXXX XXXX ) and informed him I was canceling the process and requested a refund of my {$600.00} appraisal fee. He responded to the email acknowledging receipt. 
Also on XXXX/XXXX/XXXX I began the re-finance process with XXXX XXXX XXXX. I paid them an additional {$600.00} appraisal fee. 
On XXXX, I received a call from an appraiser ( XXXX XXXX ) to schedule an appointment for the appraisal. He came on the morning of! XXXX/XXXX/XXXX. I contacted him at the curb on arrival and it occurred to me to ask him to confirm that he was there for XXXX XXXX XXXX. He said he was there for Cardinal Financial. I explained I had decided to switch mortgage companies and canceled Cardinal three days earlier. I asked if the appraisal could be used by the new mortgage company as both re-finance applications were VA. He said no, so I canceled. The same appraiser called me two days later and re-scheduled the appraisal on behalf of XXXX XXXX XXXX and subsequently completed the appraisal. 
After several email and phone conversations with XXXX XXXX of Cardinal Financial inquiring about my refund I was referred to the VA. I spoke twice with XXXX XXXX at the VA. He said I had paid the fee to Cardinal Financial, not the VA. The VA does n't receive or handle the appraisal fee and Cardinal Financial was responsible for the refund. 
On XXXX/XXXX/XXXX I again spoke with XXXX XXXX and demanded my refund. He said he would refer my request to the proper person at Cardinal. I followed up with an email synopsis to XXXX XXXX. 
As of XXXX/XXXX/XXXX subsequent phone calls have not been returned and there has been no response to my email. I have not received the {$600.00} refund.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: Santander Consumer USA Holdings Inc.
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I could not get the service department of the Santander Consumer USA company to validate my correct date of birth, so I could log into their online service, nor would they amend the inaccurate loan reporting to the three consumer credit agencies ; XXXX, XXXX, and XXXX, so I sent a payoff on XX/XX/2019 through my XXXX XXXX brokerage money market account. I have tried to talk to their agents on the phone as they do not have an email address. I am faxing the complaint tonight and mailing a letter stating the payoff was sent for {$32000.00} wired to my Santander Consumer USA, INC account # XXXX. That I want the lien released on the title and sent to me at my address where they mail my monthly bills. 
The payoff was over paid by more than {$1500.00} by my XXXX XXXX agent who not only spelled the name of the lien holder wrong but also intentionally overpaid because he sent the payoff a month after I requested, because he said there was a hold on the account he told me would be liquid funds and available immediately, and then he had no idea his agency wired the funds XX/XX/XXXX. The customer service department at Santander Consumer USA will not acknowledge that the payoff was applied on the date of the wire, XX/XX/2019, nor will they acknowledge they are sending the title to my address on file,XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX , Co XXXX. After rudley disconnecting my call three different times they put me on a 20 minute hold for a uspervisor who also hung up the minute I said hello. The agent at did reach and speak with at Santander Consumer USA insisted they would send the title to XXXX XXXX ; not telling to whom or what address.!!! 
No Im trying to reach the XXXX XXXX XXXX named XXXX XXXX, whom had the wire sent from my account at XXXX XXXX to help me resolve this huge mess. 
I have completed a prior payoff and title request with the original loan paperwork which had this address and my fathers address as a mailing address from the auto dealer named XXXX XXXX XXXX XXXX on XXXX in XXXX Colorado. 
Additionally, the agent at Santander Consumer USA refused to send the title to me, as they have never corrected my date of birth nor acknowledged my drivers license, I sent from the dealership input my date of birth incorrectly at point of sale at XXXX XXXX XXXX In XXXX, Colorado. Also, I have been falsely reported to the three credit bureaus for late payments when I have not missed any and I have been forced placed into 3rd party service contracts and auto warranties from both Santander and XXXX XXXX XXXX in XXXX Colorado.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: Pollack & Rosen, P.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Company is attempting to sue me for an account with XXXX XXXX that was due to Identity theft. I sent numerous letters to XXXX XXXX to validate the debt and nothing is being provided. I also sent Affidavit along with police report filed in 2016 about these unauthorized accounts they are attempting to collect on and still no response or attempt to clear this matter up on there behalf. I need to have this stopped and deleted from my credit report so I can get back to my basic life and not worry or have to deal with this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: EQUIFAX, INC.
State: IL
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:
Unauthorized use of my credit report. Reporting incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: CL Holdings LLC
State: LA
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:
My name is XXXX XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on XXXX. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: EQUIFAX, INC.
State: PA
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 have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.

Company response to consumer: Closed with explanation