BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I contacted creditor USAA Savings Bank because I want to pay off this account in the amount of {$3400.00}. They told me another agency brought the debt, but the requested it back. They said they can not accept payments until the collection agency that has the debt sends it back to them. I believe this is illegal to do, since the account was transferred to a collection agency and now USAA Savings Bank has requested it back. I am eager to solve this matter, but they can not give me information on to whom I must send the payment to. Please advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
account on report thats not mine requested that they verify the accont using original signed contracts as required XXXX # XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
on XX/XX/2021 i sent letters to the CRAs about personal information being inaccurate and requested them to update on my report to keep me from being prone to identity theft.as of XX/XX/2021, i have not heard from either of them concerning my personal 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 non-monetary relief
Consumer complaint received 2018-04-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Citizens Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
Company: National Credit Systems,Inc.
State: SC
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 and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I went on to my XXXX XXXX  XXXX website to pay off my card. I had previously submitted 5 other payments with my XXXX XXXX XXXX account and they were all successfully taken. However, on the same day XXXX XXXX  XXXX rejected my payment method stating that my bank did not support this type of payment. Which I found to be absurd and was untrue because I had other cards that I also paid off in full with this same XXXX XXXX XXXX XXXX account and they were all successfully accepted and paid. I called in on XX/XX/XXXX and again tried to resubmit my payment with the same XXXX XXXX XXXX account. Again on the same day they rejected it. I went on line XX/XX/XXXX and tried to submit another payment. I attempted to submit the total amount of {$390.00} to pay off the card. I then received an email on XX/XX/XXXX stating my {$25.00} payment was accepted. 
So on XX/XX/XXXX I went back online to pay my {$390.00} payment. I was rejected stating I need to pay {$360.00} because the amount of {$390.00} was greater than the current balance owed. I went ahead and submitted {$360.00}. On XX/XX/XXXX I received a text from my banking institution stating that I was negative in my account. It was because the XXXX XXXX XXXX went ahead and charged me twice for the amounts of {$390.00} and {$360.00}. I was upset and concerned. I called my bank institution and advised them that the amount of {$390.00} was unauthorized and did not know how or why this was charged because their website clearly stated it would no charge me. My bank in turn returned both payments of {$390.00} and {$360.00}. I went ahead and paid off my XXXX XXXX on XX/XX/XXXX in the amount of {$380.00}. 
Today ( XX/XX/XXXX ) I went on to ensure that this payment was successfully paid and taken to find out they closed my account because of to many returned payments. I contacted their representative via Live Chat and was told that because I have returned too many payments, the account is now considered closed. I am highly upset. I am in the process of trying to get pre-approved for my very first home loan. Improving my score has been a 2 year struggle and battle that I am excited to say has now paid off. The fruits of my labor have been a long trying journey. I have never been late on any card. Paid off on time what I could and now that XXXX XXXX XXXX is closing this card they are hurting my XXXX XXXX, for closing my card at no fault of my own. It was not my doing that they double charged me or that they would not accept my XXXX XXXX XXXX XXXX account. Now I have to pay the consequences of having an account closed which has had impeccable payment history for the last year and has even been paid off in full twice! I am requesting for them to retract the closure of this account or if it can not be done for them to completely delete the entire trade line off all three credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: HYUNDAI CAPITAL AMERICA
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
ON XX/XX/XXXX, I completed a credit application online to XXXX XXXX XXXX. XXXX refuses to give me a decision regarding my credit application. The dealer, XXXX XXXX in XXXX also will not give me a written decison on my loan simply stating : " they dont offer a loan for your type of credit situation '' XXXX also ran a credit application without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Capital One advertised {$500.00} bonus if $ XXXX was deposited in to their account. Specific wording : $ XXXX in total deposits by XX/XX/XXXX, Deposits totaling $ XXXX were made on the following dates : XX/XX/18 - $ XXXX XX/XX/18 - $ XXXX XX/XX/2018 - $ XXXX There were some withdraws in that period. The offer never said that $ XXXX had to be in the bank account at any one time. Only $ XXXX left until the XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: AES/PHEAA
State: CA
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 applied for and was accepted into the Public Service Loan Forgiveness program in XX/XX/2006. I complied with the instructions given to me. I have been in public service since XX/XX/2006. I've been informed that my payments have not counted toward the PSLF program based on several factors, one of which is that I was not in a qualifying repayment program. I was never informed of which repayment program I needed to be in or that my payments were not counting toward the PSLF program. I have had my employment certified the entire time and made all payments as required by my servicer in full. I feel this denial is completely ridiculous and fraudulent. I have complied with all known requirements and the balance of my loans should be forgiven as represented to me. The claim that I did not make my entire payment at any time is incorrect. I have always paid the full amount due. I have more documentation if needed. I have tried to rectify this with the loan servicer, XXXX XXXX, on numerous occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
in XX/XX/XXXX I knew I would have to be selling the home Husband had passed and I just couldn't afford anymore. they were to take the impound balance and add to the XXXX principal interest payment and stop my impounds per my request this was requested in XXXX for the XXXX payment and again in XXXX, the XXXX phone call end of the month they said I must fax in request so I did. at the time the impound balance in XXXX was XXXX or around there I didn't keep notes because I didn't think necessary but now I have been since they messed up in XXXX. 
I faxed in the request told to me in XXXX but not mentioned in XXXX attached is fax confirmation and letter. on XXXX they sent a pay off demand to escrow to pay off the loan house didn't sell until XX/XX/XXXX the could have amended if needed be they didn't to that. late XXXX received letter XXXX demanding pay off short and I called them that Monday XXXX spoke with XXXX who said they had enough funds to cover all and we still have impound balance I said ok and let go. 
Note : they were trying to say on an unpaid balance after impound account was credited if they were wrong I would be charged XXXX per DIEM on XXXX principal balance. XXXX said it was all an error this conversation is recorded and his ID number is XXXX. 
So I thought it was all resolved on XXXX I received a letter dated XX/XX/XXXX That stated XXXX was wrong and even again if he was wrong you should first credit the pay off amount. then impound account and then I I owe anything I should have been charged that balance plus interest at XXXX ( Note amount on the principal of approx. XXXX balance after all credits but instead they are still trying to charge me interest at XXXX per diem so since XXXX they say I still owe in excess of XXXX see all attached pay off demand, closing statement and letter confirming receipt of no impounds on XXXX letter stating all resolved on XXXX demands for XXXX per diem interst on a balance XXXX at most but should be zero and I should be getting impound account back.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: EQUIFAX, INC.
State: LA
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:
My initial identity theft report and was filed on XX/XX/2019. Report number XXXX. XXXX XXXX reported those items but, has yet to remove the inquires that came with those fraudulent accounts. XXXX has removed everything. Equifax has yet to address the matter. The only update was a generic response, that they were investigating the matter and needed more time. 

Now after I filed the initial complaint and the items were removed by XXXX and XXXX. I have 3 new accounts that weren't showing on my credit report and wasn't included in the initial report, because of that fact. On XXXX of 2019 I had 3 accounts, that I have no knowledge of and they are as follows : XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX. I am at a lost for words, I have a Fraud Alert on my credit file and yet and still the bureaus are reporting these  fraudulent accounts to my credit file. Without as much as a phone call or email to ask me, the consumer if in fact these are my accounts or a part of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I was contacted by XXXX XXXX XXXX today ( XX/XX/XXXX ) on my cell phone @ XXXX, yesterday ( XX/XX/XXXX ) @ XXXX, XX/XX/XXXX@ XXXX,  XX/XX/XXXX @ XXXX, XX/XX/XXXX @ XXXX. They have also called me repeatedly at home.

They state that this call is being recorded and the purpose is to collect a debt. When I ask what this debt is for, they hang up. If I ask them to produce an invoice, they hang up. When I ask them to cease and desist, they hang up, but still call.

I am not aware of this debt. I have not had a debt like this within the past 7 years that I am aware of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-16
Company: ID Analytics, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. Should be held liable under 1681e ( b ). As an overwhelming weight of authority holds that credit report is inaccurate either when it is patently incorrect or when it is misleading in such a way and to such an extent that it can be expected to have an adverse effect. '' Khan v, EquifaxInformation Service, LLC No.18-cv-6376 ( MKB ) ,2019 wl 2492762, at*3 ( E.D.N.Y. June14,2019 ) ( collecting cases. ) 15 U.S.C 1681i ( a ) ( 1 ) based on the accuracy of the credit report concerns about the reinvestigation of information and lousy attempted was done clearly. 
I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. They're not accurate not even close. Please delete/remove the following : 1.XXXX XXXX # XXXX Fraudulent account opened never paid. 2XXXXXXXX XXXX # XXXX Never done Business with this company please delete/remove. 3.XXXXXXXX XXXX  XXXX XXXX XXXX FAILURE of notice violation never received notice of account.4XXXX XXXX  # XXXX Never open such account fraud please delete. 5.XXXX XXXX # XXXX Never open such account fraud please delete. I am filing a police report and an FTC report as well. I don't know who could have used my information. However, I will get to the bottom of this asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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:
- XX/XX/2019, New credit card approved. 
- online banking started to occur around 2nd week of XX/XX/2019. Unable to view CC account information but the card was working. Advised to use the card normally. Capital one rep suggested there was some problem with the account information and they would get it fixed within 72 hours. 
- XX/XX/2019 : Called to check on the problem. Was thrown around to many reps. Final results showed that they found 2 names on my account with the same SSN, causing the system to crash. Suggested to call back and tried again. Was unable to access account statement but able to request the statement manually sent to my account, but Capital one was unable to help with payment. 
- XX/XX/2019 : Called again for payment, Cap1 unable to pull out payment screen so unable to pay. Suggested to send paperwork for name update in their system, with ref case no # XXXX. Files uploaded and was told someone would call back to confirm and it would take about 72 hours. 
- XX/XX/2019 : Called again to try to pay, system was not working again. Payment was due but Cap1 unable to process. They claim " could not find the CC account in their system '' - XX/XX/2019 : Called again to check on file submission progress. Talked to supervisor with ID # XXXX she mentioned the case # received earlier was not valid and still need documents uploaded. New case # issued as XXXX. She said will check back with me next day to confirm. 
- XX/XX/2019 : File uploaded at around XXXX. No follow up calls so far. Bill still can not be paid and will be overdue by now. I just want to pay the full amount and close the account.!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-11
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I dont owe anything to those Companies or medical bill how they collect a medical bill from me without getting any medical service or given any permission to release any info about my medical or any bill

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 2019-01-03
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have went over my credit report and I found account that are not mines from a XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, I do not recall doing any business with either company. I request to see some type of contract for business or paperwork until then pleae delete remove their accounts from my credit report they are not accurate. This is my official 609 ( a ) ( 1 ) ( A ) dispute that I demand a investigation and mail in a copy of something to verify these accounts on my XXXX XXXX, Equifax, XXXX reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, PennyMac sent me an escrow refund which was less than amount actually owed. Upon calling multiple times ( XX/XX/XXXX ), PennyMac ( weeks later ) stated they applied a partial escrow refund to my payoff amount. This was done without my consent. The refund check issued to me was short.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: EQUIFAX, INC.
State: IL
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:
XXXX XXXX XXXX Account # XXXX {$520.00} XXXX XXXX XXXX XXXX  Account # XXXX {$120.00} XXXX XXXX XXXX Account # XXXX {$470.00} XXXX XXXX XXXX Account # XXXX {$1300.00} The above accounts were opened fraudulently in my name. Please remove them immediately from my credit profile due to identity theft under section 605-B of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: HOVG, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a payment arrangement in place with Bay Area Credit Service. I have a letter dated XX/XX/XXXX that states my current balance as XXXX. I gave Bay Area Credit Service my debit card number and agreed for them to deduct XXXX each week toward the balance. My bank account statement shows six debit transactions where Bay Area Credit took XXXX each time for a total of {$300.00}. This was not the agreement. My account shows the first debit was taken on XX/XX/XXXX, then each week after that until XX/XX/XXXX which was the last debit transaction. I called Bay Area Credit to settle this issue. The first day, XXXX XXXX, XXXX, I called I was transferred to a supervisor named XXXX. He told me to fax over the documents or bank statements and he would be happy to refund the money. I faxed the documents in that very evening. I had not heard back from XXXX after several weeks so I tried calling back and every time the phone agents tell me that XXXX is unavailable and any other supervisor for that matter. I am lead to believe that I am being avoided. I have called at least 10 times and each time they tell me to call back in 15 minutes or call back in one hour, the supervisor is not available. I asked them to have him call me, but they say they can not promise me that he will.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: MONEY SOURCE, INC., THE
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I became unemployed and immediately began a modification process my mortgage company was always telling me they did not have all of the paperwork but I would fax it then they would say they need another paper I would comply then they would say I have to do it all over again same paperwork over and over as I was diligently following the checklist they sent to me yet again it would be incomplete package I did this 5 times in two years and continue to work with a Counselling agency and still my mortgage company is lax and I feel because of my income teir they dont care to assist me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
There is a Hard Inquiry on my report from XXXX XXXX. 
XX/XX/XXXX I have lived at my current location since XXXX and was not looking at any other properties on or around XX/XX/XXXX. 

The Company information on my report under the Hard Inquiry is : Institution Information XXXX XXXX XXXXXXXX, PA XXXX ( XXXX ) XXXX This is the first mode of action I have taken.

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