BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MN
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:
In XX/XX/2022 : USAA Federal Savings Bank lost my new check order in the mail even though they state checks are sent via XXXX with tracking. Turns out XXXX simply sends them to the XXXXXXXX XXXX  where they are no longer tracked. 
Because my checks were lost in the mail and no tracking, I had to cancel my checking account immediately when I found out and set a new checking account. 
In this process it cost me 100s of dollars in canceled check fines and the bank also canceled my on line credit card payment without notifying me, then turned around and charged me {$270.00} for not paying my credit card bill. 
Since they caused the problem in the first place and canceled my credit card payment without notice, I want USAA to pay back the {$270.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: Rubin Lublin, LLC
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Affidavit of truth with a conditional acceptance was send to ask to prove the debt by producing the contract between the third parties XXXX XXXX XXXX and RUBIN LUBLIN and  no commercial affidavit was sent back for rebuttal. The companies have admitted to not being the lender, never giving credit or being a party to the Promissory note, or having a Security deed with Bilateral signatures to agreed to any debt. They have now threated to create a deed under power and all power of attorneys have been revoked, and no real assignment of mortgage has occurred. No gold or silver was given to be able to foreclose and identity theft has happened as I have no contract with either company to owe any debt. 
As a third party has no right to collect a debt without proof of the debt. The Original Promissory note which does not contain the names of the companies trying to foreclose has been deposited, cashed and then traded as a book-entry security pooled and then sold as a package to investors. They do not have the original note with wet ink signature and no valid claim of debt without a bilateral or any oral contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed the following tax liens with Transunion multiple times. Despite my best efforts they refuse to remove the negative accounts. The results of the investigation are that the accounts have been verified and to contact the furnisher of the information. I contacted XXXX XXXX XXXX court and they stated that they do not report to the bureaus. How can Transunion verify these accounts if the original furnisher does n't even report to them? The false reporting of these accounts is extremely damaging to my credit score and affecting my ability to obtain a mortgage. I would like them removed immediately. I have attached a copy of my credit reports reflecting the accounts in question. Below I have also listed them : XXXX XXXX XXXX : Tax Lien # XXXX Lien # XXXX Lien # XXXX Lien # XXXX Lien # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I sent a letter to Transunion on XX/XX/XXXX XXXX. As of XXXX XXXX Transunion has failed to complete my investigation. These XXXX  are taking advantage of normal people. They have not communicated with me for the following accounts. 

US DEPT ED # XXXX US DOE/ 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 2021-01-11
Company: PENTAGON FEDERAL CREDIT UNION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
XXXX XXXX  a penfed asking for copy of driver license before finalizing loans on XXXX American customers

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 2015-07-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Chase Bank, which holds my mortgage, requires flood insurance on my home because it is in flood zone A. I have always carried full replacement cost coverage. XXXX XXXX severely damaged the foundation in 2012 and XXXX, my carrier, denied my claim and my appeal citing " earth movement. '' The damage remains unrepaired while I try to gather funds to fix it or to sell it. Meanwhile, when the policy came due, I discussed coverage with my broker who confirmed that any subsequent claim for the damaged portion of the house would be denied and suggested I insure the undamaged portion of the house, which I did. Chase insists I continue to carry what they consider full replacement cost, however, and has now force-placed a so-called gap policy which I refuse to pay. Out of curiosity I called XXXX other insurance company representatives and inquired about switching my coverage. Each said they consider the property uninsurable. I have no idea where Chase got this coverage but it is surely overinsurance on this damaged property. I sent Chase damage documentation and a statement from XXXX, and they still insist I pay for the gap policy. I ca n't be the only homeowner in this position. For my own and others ' sakes I want Chase to rescind the policy and stop requiring overinsurance in the wake of storm damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
I would like to put a freeze on my XXXX year old 's SS #, but the current methods make this unbearably difficult. As I understand it, I have to physically send copies of his birth certificate, SS card, and various other forms of ID for him and me, to each of the XXXX credit bureaus to XXXX find out if there is currently any fraudulent activity on his account. Then, once I receive these in the mail, I have to go through the same process again with all the same attachments, to place the freeze for all XXXX agencies. Luckily I live in GA, and I understand there is no fee for a freeze in my state for children under XXXX, but I am amazed that other states charge, ( per agency? ) for this service. I would like to think that our government could help to protect our children by making the credit freeze process easier for parents to initiate. Even to go as far as to have a simple check box on the SS application form for an infant to request an initial freeze on the account until a child reaches XXXX years of age.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for and was given a loan modification. In a conference call with the mortgage company, they informed me what the principal and interest payment would be and also notified me what the escrow payment would be. After making the first payment under the loan modification, I received another mortgage statement reflecting a drastically different mortgage amount. I went back and forth with TD Bank many times as every time myself or a representative on my behalf reached out to them, the kept referencing a different mortgage amount ( see attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX

turned a bill over to LJ Ross Collection Agency. I never received any written communic ation via email or USPS. They have the bill at {$510.00}. They could not tell me the time frame that this money covered. I am not paying the Landlords bill if the coverage period is after we moved. I want this collection removed from my report and the opportunity to research resolve and pay the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
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: Information belongs to someone else

Complaint:
I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
These accounts are unknown to me. Also, the information you provided on some accounts is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXXXXXXXXXXXXX Date Opened XX/XX/2021 Balance : {$150.00}, XXXXXXXXXXXXXXX Date Opened XX/XX/2021 Balance : {$150.00}, XXXX XXXX XXXXXXXXXXXXXXX Date Opened XX/XX/2021 Balance : {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
XXXX XXXX XXXX XXXX, NH XXXXshow up as address in my credit report. I have not lived at this address and want to try to get it off of my report under personal information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-17
Company: FREEDOM FINANCIAL NETWORK
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Ive been with Freedom Debt Relief for 38 months and have deposited XXXX into the program with an enrolled debt of about 52000. To this date Freedom Debt Relief is telling me I still owe XXXX. Im asking where did the XXXX go and they just tell me I missed payments but if I gave XXXX I should have more debt resolved than just basically XXXX. I just need answers and I finally stop service but I want my debt resolve or a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: Navient Solutions, LLC.
State: MN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was told conflicting information about being on the income driven repayment plan. When I first started this plan several years ago, I asked if I could still make payments towards my loans even though I had a XXXX dollar per month payment on the income driven repayment plan. I was told I could not make payments towards my loans and that it would affect my status in the income driven repayment plan if I did. Therefore I did not make any extra payments towards my loans, even though I had some ability to do so during this time. Now I owe more on those loans because of interest accrued. I called the lady and last month to ask the same question, can I make payments on my income driven repayment plan Loans even though I have a XXXX dollar per month payment. I was now told that I can make payments on my loans with no consequence to my income driven repayment plan. I wouldve been doing this for years had I known it was a possibility, Which would impact the life and accrued interest of my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Experian is reporting XXXX tax leins on my credit that are not mine. I have disputed the items twice, showing proof that the tax liens are not on my file according to the state of NY but EXP claims to 'verified '' the accounts as mine. I have requested their investigation process according to FCRA law and EXP has ignored me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: Bread Financial Holdings, Inc.
State: NY
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:
Upon speaking with the fraud department at Comenity Bank due to a credit inquiry today for a card I did not apply for, it was brought to my attention that an account was opened under my name and ssn yesterday with Comenity.net/XXXX Comenity swiftly took measures to close the account and report it as fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-11
Company: Colony Brands, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2021, I placed an order with Ginny 's. I had not ordered from them in two years but when I last placed any order, all of my orders were paid on time. I previously ordered XX/XX/2021 and was told that I needed to place the order under my account on XX/XX/2021. The representative told me that I still had credit and that the previous order was somehow not placed on my account. I re-ordered through her and hung up the phone. I checked again online with Ginny 's on XX/XX/2021 and it said to contact customer service. I asked to speak with a supervisor and spoke with XXXX. XXXX indicated that I do not have credit and I asked her " did I not pay off all my accounts on time with Ginny 's and your sister companies. '' and she said, " that's not the issue ''. I asked her " where are you getting this information from if it is not from my credit report? '' and she said, " we have analysts that receive information. '' She would not tell me where they receive information from if it is not from the credit report. While this question and answer was going on XXXX was extremely sarcastic. She finally stated, " In processing the order, we decided not to approve this order. '' She never once stated that they used my credit report or that the reason of denial is due to my credit freeze. Even then with a freeze, you are allowed by the creditor to unfreeze your credit so that a decision can be made. This is a baseless decision of Ginny 's. I am beginning to think that this is discrimination based on racism since the sister companies that I previously mentioned that I used were for XXXX people. I know for sure that they did not check my credit report as XXXX confirmed since I have a freeze on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Experian, XX/XX/2022. I checked my credit report on the Experian website and XXXX is reporting my account STATUS : Currently, was past due 60 days late. I haven't been late for several months. I took a screen shoot of my online credit report. Please update this account. The balance owed is incorrect as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Experian Information Solutions Inc.
State: OH
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions these accounts listed below have violated my rights. 

Account name : XXXX of XXXX account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX. XXXX, XXXX Account number : 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 non-monetary relief
Consumer complaint received 2016-04-26
Company: Exeter Finance Corp.
State: NH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XXXX/XXXX/2015 Exeter Finance XXXX XXXX XXXX XXXX made an inquiry of my credit file with XXXX without my concent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: Progressive Financial Services, Inc.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
This is not my account. I never lived in XXXX XXXX or opened any accounts there. This is a fraud. I tried calling them and lines are disconnected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TRANSWORLD SYSTEMS INC
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
upon recent review of my credit report I noticed this company reported a collection for the amount of {$210.00} on XX/XX/22. I have never done business with this company. I submitted a packet of documents containing an affidavit of truth, cease and desist, and proof of this company violating my consumer rights. I am requesting that this company in good faith validate this alleged debt by providing the requested documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
After having no luck contacting me ( with a ridiculous number of phone calls at all hours ), the California Business Bureau contacted my mother in XX/XX/XXXX and harrassed her about my medical debt ... ..a debt that I have regularly been paying directly to the medical facilities in small installments. 

After being told they had reached the wrong person, the agency called my mother AGAIN on XX/XX/XXXX about my debt, and asked her to leave messages for me ... .which is a violation of the Fair Debt Collection Practices Act 15 U.S.C. 1692b ( 3 ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
ATM Skimming device placed on XXXX MA, XXXX between XXXX XXXX and XXXX XXXX. Bank statement outlined " CASH WITHDRAWAL XXXX XXXX XXXX XXXX XXXX XXXX US . on XXXX XXXX at XXXX XXXX. '' Santander alerted me via snail mail that my debit card may have been a victim of fraud and it was disabled. After noticing charges being declined, I called them up XXXX XXXX to inquire as to why, and immediately reported the XXXX ( not including fees ). That were stolen from my account. After responsibly, and honestly answering their questions, they denied my claim based on the fact that only I knew the PIN ( which could have easily been captured by a skimmer ), and that the withdrawal happened near the area which I work ( obviously, I am in the financial district ). Without notifying me, I only had XXXX appeal so I could prepare more evidence ( they demanded yes/no answers initially ), they denied my claim and refuse to reopen it. Santander does not protect their consumers as they claim to do.

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
Consumer complaint received 2021-03-12
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I contacted self financial on XX/XX/XXXX regarding the closed account XXXX reporting to the credit bureaus. The account was being reported as 60 days past due. I requested for them to remove all late payments and update the account as current. I received an email from them on XX/XX/XXXX approving my request. 

Well, self updated XXXX and XXXX as agreed but did not update equifax. Instead, a late payment for XX/XX/XXXX was added to my equifax report. This was impossible because because the account closed in XX/XX/XXXX. 

I sent them several emails requesting that equifax be updated as discussed and agreed, I got no response. I made a phone call and was told someone would call me back, no one did. 

On XX/XX/XXXX I received and email from self advising that another correspondence was being sent to the credit bureaus to updated my account accurately. Well, thats not what happened. 

The late payment were added back to my experian report and the late payment for XX/XX/XXXX was still showing on my equifax report. 

I called again and no one would help me. I sent another email and received no response

Company response to consumer: Closed with explanation