BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-03
Company: Ameritech Financial
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On Monday, XX/XX/XXXX I received a letter from the U.S. of America Federal Trade Commission : Notice of Lawsuit against Ameritech, for Deceptive Practices of my government Student Loan that started XX/XX/XXXX, of {$150.00} plus until 6 months later reduced to {$99.00} per month and presently paying for the Student Loan Forgiveness Program. Before Ameritech I was with XXXX,XX/XX/XXXX under the same Student Loan Forgiveness Program with higher payments starting sometime in XX/XX/XXXX after graduating from XXXX XXXX University, XXXX, CA, combine XXXX XXXX XXXX loan, of XX/XX/XXXX under the same program. I made numerous attempts on XX/XX/XXXX to contact Ameritech, the answering is activated and disconnecte after 3 minutes on the line waiting to speak with someone about cancelling my membership and reimbursement for 2 plus of withdrawn from my account confirming on numerous occasions that my payments were we're going towards my Student Loans. My connection with Ameritech was with XXXX. Now this raises question with deception from XXXX. I am willing to be a part of a class action lawsuit

Company response to consumer: Untimely response
Consumer complaint received 2018-07-03
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a written attempt to collect a debt from XXXX XXXX  XXXX, TX on XX/XX/XXXX, dated XX/XX/2018. I spoke with the purported creditor, who confirmed that my account is current and in good standing and has not been delinquent, and furthermore, that they do not work with the company who contacted me to collect the purported debt. I called and spoke with a representative of the collector and their supervisor who would not provide any detail as to why this debt was owed, nor a professional license number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
XX/XX/XXXXReceived and email and was told must make a payment by the XX/XX/XXXX or will have to pay two car payments for XX/XX/2018. 
I have been in hardship since the XXXX  storm. Lost Fulltime Job. And now been in hardship since then up until now XX/XX/2018. Working XXXX  jobs. Was threaten to make 2 payments for being behind 34 weeks. For XX/XX/XXXX and XX/XX/XXXX. Refused to take the XXXX was advised to pay XXXX. Or threaten if I didn't give date for XX/XX/XXXX payment that isn't due till XX/XX/2018 Prestiege Financial is the Company

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: Experian Information Solutions Inc.
State: WA
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 applied for a new credit card. 
XXXX XXXX XXXX XXXXnformed me that experian has a false social security number listed with my otherwise correct demographic information I have been trying to call experian for several weeks and can not reach anyone I have received no response to email sent to experian the bank could not help me. 
I looked at my XXXX credit report and the social security number is correct I am worried because my true social security number was fraudulently used in 2014 to get a refund from IRS. 
I need to know why experian has a false SS # in their file

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 2021-04-30
Company: SYNCHRONY FINANCIAL
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: Reporting company used your report improperly

Complaint:
I, XXXX XXXX as a federally protected consumer am protected under the Fair Credit Reporting Act ( 15 USC 1681 ). The FCRA is intended to secure the right to accuracy, fairness, and privacy of my consumer information contained in the files of consumer reporting agencies and those rights have been violated. As a federally protected consumer, I have the right to privacy. Any and all information deemed private should not be posted to my consumer report ; SYNCHRONY BANK is in direct violation of 15 USC 1681a ( 4 ) by furnishing this on my consumer report and is infringing upon my right to privacy. SYNCHRONY BANK is also in violation of 15 USC 1681a ( 2 ) ( iii ) as I did not provide any authorization, written nor oral, to furnish the following hard inquiries on my consumer report - see Exhibit A : SYNCHRONY BANK XX/XX/19. As a federally protected consumer, I am exercising my rights to choose not to provide this information on my consumer report and am asking that it be removed immediately. SYNCHRONY BANK is also in violation of 15 USC 1681c-2 as these hard inquiries were the result of identity theft - see Exhibit B.

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 2018-03-09
Company: WELLS FARGO & COMPANY
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: Old information reappears or never goes away

Complaint:
Wells Fargo Dealer Services keeps updating a charged off account for a vehicle loan. The loan is over 7 years old and they are updating it as though it's a new account. I know that there are legal limits as to how long a company can keep reporting a negative account. It is not legal for a company to sale your account as though it was new in order to keep reporting, nor can they update it each time you contact them. I have had the same or similar problem with XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX as well as other accounts. This must be the new game in town. Please advise on how I can permanently have these accounts removed ASAP, never to return. What are my legal recourses if they do not comply?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/XXXX - I sent notification of dispute by mail to XXXX XXXX and did not receive a response. I will include a copy of the signed receipt of the certified letter. 
XX/XX/XXXX - I sent disputes directly to all three credit bureaus regarding the item. XXXX, XXXX and Transunion. 
XX/XX/XXXX - I received fraudulent documents from XXXX XXXX with a signature that does not belong to me and XXXX XXXX transferred the debit to a collection agency - XXXX XXXX XXXX, who is now reporting the item. 
XX/XX/XXXX - I sent a dispute by mail to XXXX XXXX XXXX regarding the fraudulent item.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: Resurgent Capital Services L.P.
State: MD
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 have reached out to Resurgent about several accounts the claim on their website. I received an initial response requesting more information. I immediately responded and have sent several follow ups. One of theres items is being reported to credit reporting companies by another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Citibank closed my checking account with my money in it and i can not get a straight answer or information on where my money is except it will be mailed to address on file. I have not received anything in the mail not even a letter that was also promised as to why my account was closed. I now have no money to use and no answer as to where it is from thieving Citibank.

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 2018-07-03
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: Account status incorrect

Complaint:
XXXX XXXX fka XXXX has reported my mortgage late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The home was sold and closed on XX/XX/XXXX. I have been told that it will be updating my credit report. As of now it has still NOT been corrected, nor will they provide me a letter stating that it is their error and that it is being corrected. I am trying to obtain a new mortgage and can not move forward because of them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have been a customer of USAA for 11 years. According to USAA records, someone called USAA pretending to be me and was given access to my account before withdrawing {$3900.00} from an ATM, which USAA reports is in XXXX XXXX. I live in XXXX, have not been traveling to XXXX XXXX, and did not lose my debit card. I was not in XXXX XXXX and did not provide any details regarding my account or personal data to anyone. I did not lose my debit card. My complaint has three components. First, USAA is refusing to refund my stolen funds claiming it was my fault and they are charging me overdraft credit cards fees to cover the stolen {$3900.00}. I do not see how this can be my fault if I did not make or authorize the ATM transaction. I need to stress, my ATM card data was copied and used for fraud as I had my current card,  which I rarely use, in my possession. The second part of my complaint involves the security of my account. The USAA customer service rep who started this problem did not properly authenticate during the call, allowed a bizarre debit card increase, which I didn't even know was possible, on the phone, and then allowed repeated large withdrawals from an ATM. All of these should of been flagged as they are clearly fraud. The third part of the complaint involves how USAA has handled this claim. Their customer services reps have lied to me reporting '' you are not responsible '' " Your account will be restored soon '' They are now taking money from my Visa card overdraft, and charging me overdraft fees to cover the stolen {$3900.00}. I have tried to remedy this situation for 2 weeks and its appears the situation is getting worse as they keep changing their story, charging me on the stolen funds, and have not even attempted to explore who stole my funds. I would be grateful if your team can help me resolve this situation. If its happening to me, I'm concerned USAA is committing this type of fraud with other clients who may be more vulnerable and unable to voice their concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: Experian Information Solutions Inc.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian is not taking into account all the payments and positive standing on my account and still showing a low fica score unlike XXXX  which is showing a positive increase in fica score and payment updates

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 2019-04-05
Company: Conn's, 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:
On XX/XX/2019 I sent a letter to this company requesting removal of their inquiry on my credit report. I have no knowledge of applying for this company. I asked them to please remove the inquiry unless they have my permissible written copy with my hand writing as per the FCRA. This company is NOT being complaint with the FCRA, they told me they would not remove the inquire or even do an investigation. This is a violation.

The letter sent back was dated XX/XX/19 past 30 days. This company willfully violates the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have contacted Bank of America at least a dozen times I have filed a report with FTC I have filed a police report I can not resolve and it started in XX/XX/XXXX and is still on going and I'm frustrated The identity theft started in XX/XX/XXXX and it's up to over XXXX I notified bank of America when it started and I forwarded all the fraudulent e mail notices back to the abuse e mails ( e mail you can forward but no response or reply ) - I have mailed at least 5 times all the supporting documentation all the e mail etc all the proof charges are fraud and its over 250 pages and i don't even get a common courtesy of a response - In XX/XX/XXXX my account balance was XXXX so I thought the fraud was finally reversed but to no avail because the next month XX/XX/XXXX the balance was again over XXXX. Also a checking account was fraudulently opened in my name and was overdrawn and then boa charged the credit card an additional XXXX dollars My account is locked and there are auto payments from XXXX of XXXX a month then auto payment changed to XXXX a month in XXXX of XXXX and i can't even stop the autopay on an account that is suppose to be 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 2021-03-29
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: Was not notified of investigation status or results

Complaint:
TODAYS DATEXX/XX/XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX* Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX  Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX  XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 

XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX  XXXX  XXXX  XXXX XXXX-XXXX/XXXX  XXXX I recently submitted a request for investigation of an Acct Number : Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XX/XX/XXXX last 4 ss # XXXX After filling complaint with XXXX XXXX reporting agencies Wells Fargo and XXXX XXXX continually report fraudulent opened accounts affecting me from opening accounts on my own without them verifying my identity and hard copies of any application with any signatures matching signatures on my Dl 's XXXX XXXX contended that the account was opened online but the address that's on file is a commercial property with businesses I never lived in a commercial property or owned one either. Wells Fargo act as if I'm the one wrong by calling me and drilling me like I did something wrong. But the truth is someone stole my identity hacked my phone number, email address and applied for car loans while I was working over the road and I would help in any way I can to find out who's doing this because it's a ongoing problem everyday I get a email saying my social security number is being used while I'm thousands of miles away from Florida. So if their not willing to fix this I will challenge them on Court got fraud, defermation of character and opening up fraudulent accounts in my name.

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 2018-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I've had a Bank of America credit card for over a decade and have had an auto loan with them for almost 5 years. I am several payments away from paying off the auto loan. Earlier in the year, I opened a checking account with Bank of America. Unbeknowst to me, this transfers my customer and account information onto a different backend system within Bank of America. This transfer messed up my XXXX XXXX setup in that I stopped getting eBills and my automatic payments were cancelled. I was not able to setup another automatic payment triggered off my bills because " the eBills were already created. '' When I called BoA about this, for the auto loan, they told me to just create a fixed amount recurring payment since my auto loan payments do not change. I did this, as they instructed. Due to this issue, I also cancelled my checking account, hoping that switching back to the old system would fix the issue. It didn't, and actually made it worse. 

On XX/XX/XXXX, two identical auto loan payments were pulled from my checking account by Bank of America. I confirmed with my bank that both transfers were initiated by Bank of America. BoA only shows that they pulled one payment, and all the representatives I talked to, both via secure message and on the phone, said they only show in their system that one payment was pulled. They insisted nothing was wrong on their end, and after I bedgered them to delete all of my eBills in an attempt to " purge '' my account, they deleted some eBills from my record ( eBills I could not see ), and I had hoped this would've resolved it. On XX/XX/XXXX and then again on XX/XX/XXXX, Bank of America pulled my auto loan payment out of my account once on each day, totally two payments again. The issue has still not been resolved, they still have an automatic payment setup in their backend system that they either can not find or have not bothered to find. I am lucky in that I can afford to make these double payments without BoA overdrafting my account, but I see these unannounced and undocumented double withdraws as egregious as I could be sitting in a ton of fees if I didn't have excess money in my checking account. I am also close to the end of my loan payments, and I'm worried that this " ghost '' automatic payment will continue to pull from my account even after the loan has been paid off. I have been trying to get them to fix my automatic payments since XXXX, and they just don't seem to be taking this seriously. I'm hoping a complaint to the CFPB will help prioritize this in their eyes.

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 2018-07-02
Company: CITIBANK, N.A.
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Excessive interest rate paying 20.74 % interest rate I've had the credit card since over 10 years. Rate increased without proper notification over the past 5 years increases yearly. Monthly credit card interest is excessive and I paid more interest than I pay in mortgage. I have currently not made purchases over the last year. I have made complaints to the company. I'm afraid to make purchases because if I make a purchase that even increases my interest. All I want to do is just pay off the card and be done with it. The interest is too high so therefore I have to make monthly payments feasible to fit my monthly income.

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 2018-03-09
Company: ERC
State: NC
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:
I have never had an account with this company nor have I entered into an agreement to pay them. This item is reporting in violation of the FCRA as well as the fair debt collection practices act section 807-8

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