BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-21
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have the credit bureaus to remove the citizens bank students loan off of my credit report and they refused I stated to them that I do not owe any money 's to citizens bank for a student loan which.have been verified by XXXX that I do not owe them any Money and they still have it on my credit report as well as money they alleging say I received from the bank on account I do not have

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-31
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
I tried to send money using western union and everything was ok until I got a text message saying the transfer would be delayed till I call a number, which I did and the gave me a XXXX digit number to return to the place where I sent the transfer from and get a refund. I returned to the place and they told me in order to get a refund the number needed to be XXXX digits and to go to a western union store and try and get a refund, unable to find one in my town so I would have to go out of town to try and find one, this is time consuming. they mentioned something about sending a check in the mail, then I started reading articles about their lawsuit, so I figured their credibility might be suspect and decided to come here instead of going round and round with them. 
They also had me talk to their fraud evaluation department, which I find extremely embarrassing, trying to answer question about my relationship to and with the recievers of the funds, so they placed the transfer on hold and eventually declined to send since I did not answer the questions to their satisfaction, I can understand it, but feel my money should be refunded or transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed items with Equifax numerous times over the past 2 years because I was a victim of identity theft back in XXXX. Several times Equifax claims that they are able to verify the information, but I know that to not be true because the debt is not actually mine. The latest case is related to the above Equifax case number where they claim to have verified a debt that was actually removed on an occasion prior. It was placed again by an agency that purchased the debt. I provided documentation to Equifax in the form of a signed letter from the original creditor certifying that the debt is not mine but they claim that it is genuine. 
I have also disputed several credit inquiries that are related to credit applications that I did n't not complete. Equifax claims these inquiries are factual record and will never be removed. This information is damaging to my credit report and is not accurate, therefore under the Fair Credit Reporting act they are required to removed everything that is not accurate. 
I have wasted hundreds of hours fighting with Equifax , and it is the most difficult of the XXXX bureaus to deal with. Everything in the last dispute I filed should have been removed because it is not actually related to me, and it is not possible that Equifax verified the information if they acted within the guidelines of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card
Issue: Other

Complaint:
USAA did not follow procedures when they processed and disbursed convenience checks on a credit card individual account I had where my ex-wife forged my signature and took money from there causing a balance. For the past year I have been in contact with USAA calling and going to the branch.I started the process to buy a house with my now wife and realized they credit account still showed a balance. I went several times to USAA since.I requested the convenience checks that showed my ex-wife handwriting. She NEVER had a power of attorney or authorization to use that account. My ex-wife was hiding all this even from the court during the divorce and custody and diverted the correspondence so I did not find out about this. This person committed tax evasion as well and I have proof of that plus other things she did where she forged my signature and used my social security without authorization. I informed USAA of the issue and suddenly in XXXX I receive a cancelation of debt ( form XXXX ) from USAA stating that shows the balanced owed as canceled. They are still reporting to the credit bureaus a balance on the account.I went with my now wife to USAA and was connected with their call center to request a letter that states the balance is cero in the account due to the cancelation of debt. The representative stated that they indeed sent a cancelation of debt but technically I still owe the money. I told them there is no way I can still owe something they have written off for the fraud they allowed when my ex-wife forged my signature and in their notes is like that. They are trying to claim a lost and also keep me in their books like I still owe what they have canceled. I believe that is also fraud!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My wife cashed her check & turned it into a cashiers check so we could deposit it into our account at USAA with little or no hold. However, since usaa has no branches & you can only use remote deposit, this deposit was not covered under reg c, so usaa placed a 5 day hold on the account. I have had an open checking & savings with usaa for over a year as well as my auto & renters insurance. I was simply told they could not do anything & the hold was go i ng to stay because remote deposit is not covered under reg c. If an institution does not provide you with the ability to deposit cash they should not be able to put indiscriminate holds on cashiers checks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: American Credit Acceptance, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX I went to XXXX in XXXX California. XXXX XXXX XXXX XXXX XXXX. XXXX, CA,XXXX. I brought in my fully paid off XXXX XXXX. I wanted to trade it for a car that was much less expensive on insurance since the XXXX being a luxury vehicle I was paying XXXX $ a month and I could no longer afford that. XXXX offered me XXXX $ I accepted. The same day I found a XXXX XXXX XXXX that wa 's a little less then XXXX . XXXX gave me a check back for the remaining posture equity I still had. One day my car was gone. It was repossessed. XXXX lied and said there was a loan .which there never was one never needed one never talked about one nor is it any where on all of my credit reports. I believe the car they sold me was a car someone traded in that still owed money on and they didn't know untill it was too late so they manipulated the contact saying " I asked for money back and took a loan on the rest '' WHICH IS NOT TRUE NOR DOES IT SHOW UP IN ANY OF MY CREDIT REPORTS.XXXX  have scammed me out of XXXX $ and my car. I have sent them the proof and go in and they lie and say they will help me and never do.Please please please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: The Collection Connection
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I responded to a Collection notice from XXXX/Collection Connection. I made contact verbally and written on XXXX/XXXX/2016 and XXXX/XXXX/2016. Requested validation of debt twice and even attempted to just pay. I advised them all communication must be in writing. Still received phone calls from XXXX XXXX, he left numerous voicemails to call him. I even provided a credit card on XXXX/XXXX/2016 info to pay if validation debt was received. Then received another notice XXXX/XXXX/2016 that the account was being reported to the credit bureaus. To this date, i have yet received any validation of debt. I 've emailed and sent certified letter requesting validation of debt. Today I checked my credit report and they reported the debt on my credit. I find this practice unethical and eroneous.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America informed me that my mortgage is not being serviced by Bank of America. This is after Bank of America told me I will have one point of contact. Bank of America told me that my mortgage will be handled by XXXX, XXXX. I 'm in the process of modifying my mortgage and do n't what do to do or who to call. Please help.

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 2022-01-03
Company: Santander Consumer USA Holdings Inc.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX I issued payment to " Chrysler Capital '' or " SantanderConsumerUSA '' in the amount of XXXX ( in one payment of XXXX on XX/XX/XXXX, and a separate payment of XXXX on XX/XX/XXXX ). The payoff amount was given to me by SantanderConsumerUSA '' and I included a letter stating " this payment is correct and satisfies the debt between '' my name and " Chrysler capital '' for the appropriate vehicle. 

Now, on XX/XX/XXXX, I have decided to sell the vehicle and found that SantanderConsumerUSA ( Chrysler Capital ) still holds a lien on my vehicle. They have told me that I owe principle payments from beyond 2 years ago, but there is nothing showing on my credit report that I've ever had an account with these folks. I haven't received any mail or contact from the lender since the payoff. Basically, I thought I had paid the debt off, and that I owned the car.

Today, I spoke to someone from Chrysler Capital who told me that I could pay {$130.00} and settle the debt, but that I really owe ~ {$700.00}. So now I'm being forced into a position to pay for a debt, subject to an agreement for total payment ( the letter that they insisted I enclose with my payment, fully satisfying the debt ), that I've already paid. The lender doesn't seem to have accurate records, nor are they reporting credit information in a timely manner. Further, the company seems " scammy '' in that when you try to pay off your note or get information about what money the company is entitled to, they simply transfer your on the phone until you give up trying to find a solution. 

I haven't been notified that I have an account open with Chrysler Capital, not even a " hey, we won't sell your info '' notice once annually. I see this company has other complaints, and I wonder if I fall within this group of poorly tracked accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: Stellar Recovery, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
An account with XXXX was opened fraudulently using my name and social security. This is the 2nd time that my information has been used fraudulently by this person. First with XXXX and now with XXXX. As a California resident I am entitled to the original documents that were used to obtain this account ( XXXX ). I called XXXX and spoke to XXXX on XX/XX/2017 from the fraud department, who said since he was in Colorado that request was invalid. I advised him I was in California and do have the right to make that request. I was looking to send the request in writing. But XXXX refused to provide me an address. I requested to speak to a manager. After waiting 20 minutes i was transfered to a voicemail. I feel that my rights have been violated. I am planning to go to the media with this breach of rights. 

The fraud activity was noticed in my XXXX credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent a request for validation from the collection agency on XX/XX/2020 and XX/XX/2020 and got no response for both request

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 2020-06-12
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was shocked when I reviewed my credit report and found late payment on the date below : XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-29
Company: CHARLES SCHWAB CORPORATION, THE
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am a victim of identity theft and someone opened up an account with Charles Schwab using my personal information. I have never applied for or opened an account with Charles Schwab. I was just released from XXXX, and was XXXX  for over 17 years. Review the attached documentation. Full Name : XXXX XXXX XXXX, DOB : XXXX, SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: EQUIFAX, INC.
State: AZ
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau but to my surprise, I did not receive anything back as a response. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ITEMS COMPLETELY FROM MY CREDIT REPORT : Account : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance {$320.00} XXXX XXXX XXXX Balance {$36000.00} Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
USAA Bank has very poor customer service and a serious lack of communication with their customers. 
I have been unemployed and unable to find a job for almost two years now and surviving on what little income I have, which I have told the bank many many times. They claim they will assist customers who are going through times of hardship, but they do not really care about their customers at all. I had a personal loan with them which they decided to close without even notifying me that I had past due payments. I understand that, and I am paying it so it will be done with, but lack of communication with customers is wrong, very wrong. 
Just when things were being straightened out with them, I received a letter from them stating that they had closed my credit card account, ( which is paid up to date ) because of the consumer loan that they never warned me about. 
Funny thing is I have been emailing with XXXX of the bank executives and he never once mentioned they were closing my credit card account. 
It is so wrong for a bank to treat long time customers, especially ones who have served their country by either being a XXXX for the XXXX. 
USAA Bank claims that they honor and appreciate those who have served their country but if you are going through financial hardship they refuse to do that and work with you, instead they treat you like dirt.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: Diversified Consultants, Inc.
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by Diversified Consultants , Inc, XXXX XXXX at XXXX regarding an outstanding balance from XXXX XXXX XXXX. XXXX specifically communicated by our arrangement to settle the debt that XXXX XXXX XXXX would restore my account to good standing so I could restore any services with them nor require additional payment and no further collection or issues would exist. Well, that 's not the case. XXXX is not back tracking after I contacted her XXXX/XXXX/16 stating if XXXX XXXX XXXX wants to continue to collect the difference of the settlement or {$180.00} that is their prerogative. In addition to XXXX XXXX XXXX not allowing any new services they have now hired a new collector, XXXX XXXX XXXX , XXXX at XXXX. I have since spoke to XXXX 's manager, XXXX XXXX at XXXX who is stating XXXX XXXX XXXX can continue to collect. I explained to XXXX he then needs to pull the recorded conversation on file to validate my inquiry as valid and conclude I was mislead or lied to by XXXX. Having XXXX XXXX XXXX restore my account to good standing with no further payment was the reason I agreed to the arrangement and now it 's the one thing not happening not to mention more collection notices from the new Collection Agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Back in XXXX of XXXX I had a direct deposit of XXXX dollars that went into my checking account at the time with usaa, well there was fraud on the account not due to my own doings but a guy that I met online and gave him the information to put money in my account. They put my account on hold and locked it out due to this guy ( XXXX XXXX ) he would call himself, I even reported him to the FBI and still have emails that he sent me from that time, they have requested information to prove my identity and I did, every time I would call them to see if they had come up with an answer they would either hang up on me or transfer me to 5 if not 7 different departments and this is still going on today as we speak. Here is is XXXX XXXX, XXXX and they still have my money of XXXX dollars and cents that i received from my job back in XXXX and they still will not give me my money back.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-12
Company: Advance America, Cash Advance Centers, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I want to file an complaint. I had borrowed an installment loan from Advance America in XXXX, Texas. I cant remember the exact date. I remember requesting to revoke ACH authorization from my bank account. As of XX/XX/2020, Advance America had taken money from my bank account without my permission. If you can look into this matter, I would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
These reps keep calling from XXXX. They have been reported before to you by me. This company must try to collect under different companies name but the phone number is the same because I remember it. They called on XXXX/XXXX/2015 then again on XXXX/XXXX/2015 at XXXX I advised the rep they were told XXXX XXXX does not have my number earlier this week and I was told they would remove it. She stated again it would be removed. This company has called me before XXXX and they always say the phone number is being removed. Again I have reported them to you apparently you are not doing much about it either.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation