BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX XXXX and I am an XXXX XXXX, XXXX ; I have recently been a victim of fraud. Someone is depositing checks into my account ( means unknown ) and withdrawing the funds from various ATM 's and XXXX in XXXX, XXXX. The checks are of course faulty ( labeled XXXX XXXX, which no longer exists ) and put my account negative {$40000.00}, plus the {$2100.00} I had in their before the activity began. I reported suspicious activity as soon as I noticed the issue, changed all of my info, reported it to the USAA fraud department, placed fraud alerts with all XXXX credit bureaus, filed police reports with the XXXX ( CID will NOT take the case ; told me to try contacting XXXX PD ), etc. USAA is holding me liable for the negative balance on the account and are exercising their right NOT to do business with me. USAA was unable to explain why I was not notified of fraudulent activity ( I am signed up for fraud alerts ) although activity is taking place in XXXX, and I 'm XXXX XXXX. When I asked why they would allow the account to get so bad, they responded with, " We allowed the funds to be immediately available because you have been a valued customer for so long. '' I was never notified of activity taking place across the US, I never called USAA to make them aware that I was going to be in XXXX, etc. I am married to an veteran as well, and together we have an XXXX yr old daughter. This has put us in a financial bind because XXXX of my XXXX paychecks was directly deposited into the negative-standing account because I was unable to change it in time. I am past due on multiple bills, etc. The ultimate solution I am looking for is to NOT be held liable for the negative balance of {$40000.00}, and to receive my {$2100.00}, which was garnished in the account. If USAA chooses not to continue business with me afterwards, I am ok with that. Any assistance you can provide me would be great. I have also contacted Congressman XXXX XXXX, XXXX XXXX of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On  XXXX   XXXX ,   XXXX   I deposited  5 checks to my account through the ATM at Bank of America. Three chec ks were issued by   XXXX   XXXX   XXXX  . The check in question was for {$2400.00}. At the time of deposit, my account was credited the amount of all  5 ch ecks.   On  XXXX   XXXX  Janus was presented wi th 2 of the 3 chec ks and paid.      XXXX  was not presented with the  3rd c heck until  XXXX   XXXX , which there records show they paid at that time.     On  XXXX   XXXX ,   XXXX   my account was depited for {$2400.00} with the explaination that when Bank of America attempted to negotiate the check with  XXXX   XXXX  that the check was not paid.     On  XXXX   XXXX  I reached out to   XXXX   XXXX   XXXX   XXXX  who told me the check was paid on  XXXX   XXXX . I requested they do more research, which they did.     Janus  XXXX   XXXX  states, the check was presented to them twice by Bank of America. Once on  XXXX   XXXX  and a second time on  XXXX   XXXX .  XXXX  states, they paid the check the first time it was presented but not the second because it had already been paid.     Although Bank of America presented the check twice they only credited my account once. On  XXXX   XXXX ,   XXXX   they debited my account {$2400.00}.      XXXX  facilitated a confernce call with Bank of America, a  XXXX  Representative, and myself to explain the check was presented twice to  XXXX .     I have spoken with  13 represe ntatives of Bank of America and one representative of  XXXX   XXXX   XXXX .     Bank of America has refused to credit my account back and leaving me in the negative {$2400.00}.     Please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX   XXXX   is attempting to c ollect a debt without any legal authority. According to    XXXX   XXXX   , I owe {$290000.00} and I 'm 77 months past due. I have not made any payments to   XXXX   XXXX    since the alleged transfer of servicing of the loan in  XXXX   XXXX .  XXXX  contends they are servicing the debt for the   XXXX   XXXX   XXXX   XXXX   XXXX  .     The   XXXX   XXXX   XXXX   XXXX   XXXX   was the purchaser of the property in a foreclosure sale in  XXXX   XXXX  and is the legal title holder of the property. Bank of America,  XXXX  's predecessor claims I owe   XXXX   XXXX   XXXX   XXXX   XXXX   rent as a result of the foreclosure sale. Bank of America and   XXXX   XXXX   is playing a cat and mouse game to harass and defraud me. It 's impossible to be responsible for rent and the debt that was foreclosed. Bank of America and   XXXX   XXXX   ca n't get their lies in sync. I 'm currently litigating with   XXXX   XXXX   XXXX   XXXX   XXXX   and Bank of America in a pending lawsuit since  XXXX   XXXX  for wrongful post-foreclosure eviction, cancel trustee 's deed, recover title to my property, and numerous fraud claims. I 've attached an excerpt from   XXXX   XXXX   XXXX   XXXX   XXXX   's answer asking for rent in  XXXX   XXXX  during the pendency of the lawsuit. I 'm attaching documents to substantiate my claims. I 've filed over 65 CFPB complaints, review my history. The truth does n't change. Bank of America and  XXXX  in their capacities as   XXXX   XXXX   XXXX   XXXX   XXXX   's servicers ca n't get their stories straight. Of course, it 's too much for the big law firms representing these large financial institutions to admit they 're wrong. They would rather conspire with each to commit fraud to right their wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I applied for a personal loan through  One Main Financial s ince it was recommended via   XXXX   XXXX   with " good approval odds '' and their website advertised pre-approval without a hit to your credit.     First lie was that it is not a soft inquiry. I was hit with a hard inquiry and several points off my credit.     Second of all, they said I was approved. When I called to proceed with the loan, the rep asked me for a title to my car. To my understanding, I did not apply for a title loan and this is not a title loan company, or so I thought. I told her I did n't have a title and I thought this was a legit bank, not a title loan company. She responded by saying " ok, have a good day '' when she quickly realized she was n't going to make a sale. So I began to ask her about their qualifications and what they 're looking for, because my credit is n't that bad. I was just approved a few months ago for a  XXXX  credit card through  XXXX   XXXX . She lied again and said she did n't see that credit card on my report. She would not answer my questions and I told her I felt scammed. They 're looking for people with titles, because anyone with better credit than I have would not be stupid enough to apply for a sub prime loan with 35 % interest.     I told her I wanted them to remove the inquiry from my credit because I applied with the understanding tha t 1 ) it was not a title loan, 2 ) that I had good approval odds, and 3 ) it would be a soft inquiry on my credit. She told me she would transfer me to a manager but then came back and said he was gone for the day - another lie, because I called back a few minutes later and asked for a manager and they put me on hold to go get him.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Experian Information Solutions Inc.
State: MD
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:
I went to purchase a car and they were only suppose to use my pre approved letter from XXXX XXXXXXXX but instead they ran it with the following : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX bank, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX 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 XXXX 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 non-monetary relief
Consumer complaint received 2017-04-26
Company: Bliksum, LLC
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a personal  XXXX  XXXX  XXXX  around  X/XX/17    beginning with their prequalification application. I was contacted by   XXXX   XXXX   to complete the application. Once I spoke to someone a verified the interest rate/apr I emailed  XXXX   XXXX  stating I will not be moving forward with the loan application at this time. From that point forward I began getting an overwhelming amount of autodialer and human operated phone calls to complete the loan application as well as emails ( multiple calls & emails daily ) from  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX . I have my phone records and emails for reference if needed to confirm these allegations. Because I was still in need of locating a personal loan I contacted   XXXX   XXXX    via  Chat  messaging to complete the next step in the application and have my credit pulled. I completed and provided everything required as I was pre-qualified. I was later informed by  XXXX   XXXX  that my loan was declined due my  XXXX  bank account bot being open 90 days, I was  2  weeks short of 90 days. I let her know I have an open  XXXX   XXXX  account and that I was currently transitioning from  XXXX   XXXX  to Chase. Immediately once she discovered I was declined she stopped responding to my emails so I had to call her multiple times to get a response. She advised for me to try and apply after  X/XX/17   . My adverse action letter stated I was declined due to serious delinquency, collection filed, revolving ratios & proportions, length of time legal item filed. This is not at all why I was explained I did not qualify. If you have to have an open bank account with direct deposit for 90 days should n't that be part of the pre-qualification prior to pulling someones credit and causing a inquiry and potential decrease in score? I feel  XXXX  needs to re-evaluate their pre-qualification and final approval/decline procedures to be consumer driven so consumer are not under the impression they are approved based on all factors except for a bank account open date. Keep in mind  XXXX  wanted 135 % + in interest/apr and I was able to obtain a personal loan from another lender with rate of 35 %. I have since been receiving emails from  XXXX  from  XXXX   XXXX  to contact her to reapply. How would this make sense If my adverse action letter states I have multiple reasons I was not approved yet the same company wants me to apply for a loan 3 weeks later with understanding I would be approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Experian Information Solutions 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:
I have contacted  XXXX  via phone and the internet to request that you remove the following unauthorized inquiries from my credit report :   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    ( 7 ) Va rious Dates  XXXX   XXXX   XXXX   ( 2 )   Various Dates   XXXX    ( 2 ) Various Dates So you explain to me that this inquiries are factual in which th ey are not. I have attached a copy of the letter that I have sent directly to the creditor disputing their reporting.       I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time.     I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.

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 2022-08-03
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
While purchasing airline tickets on XXXX website on XX/XX/XXXX, I was given to opportunity to apply for an American Express Delta Gold card to receive {$300.00} in statement credit and XXXX SkyMiles if I charged {$2000.00} to the card in the first three months. I was approved for the card and charged my plane tickets at the time of purchase to the new card. I had enough charges within the first month to reach the {$2000.00} level. Please note that I never received any information that I would be declined the welcome bonus. 

After waiting for over three months, I contacted American Express on XX/XX/XXXX to check on the status of receiving the statement credit and SkyMiles. I was told the welcome bonus was denied. Additionally, I have contacted AMEX multiple times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) for an explanation and documentation on why I have been refused the welcome benefits. To date, this information has not been provided. The benefits should have been provided if I had been approved for the card and met the requirements. If not, this is false advertising and misleading information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: HUNTINGTON NATIONAL BANK, THE
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had an unauthorized charge on my debit card on XX/XX/22 for {$80.00} to XXXX. I spoke with someone at Huntington Bank and they told me that after research is complete, I can not find out who or how my debit card number was stolen. I did get a temporary credit of {$80.00} and then a letter saying it is being " researched ''. But I told the man at the bank I have a right to find out what the research and investigation will find. I want this information sent to me. He said that I can not find out that information, ever. 
Please tell me that is not correct. 
Thank you. 
XXXX XXXX. 
Cell : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to check my reports from all credit bureaus for accuracy. I have noticed that there is a credit inquiry on my Equifax report that I did not authorize and had no knowledge of. I contacted Equifax immediately and was being given no help. I also request a fraud alert already to avoid any future issues. please see the following inquiry that were not authorized by me with the date of when the report was improperly requested and received. I have investigated and none of these companies received any identification or authorization from me to pull my credit for any reason.      XXXX / XXXX  dated  XXXX / XXXX /  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I am a member with USAA Bank and I have been having a problem with them because of a scam i fell for. The scam was an employment scam. The scammer contacted me with an employment opportunity. Subsequently, I cashed a check that they emailed me and wire transferred it into another bank because of the story they told me ( the whole conversation was documented ). After depositing the check and wire transferring it out to XXXX Bank, i figured out this was a scam. I immediately called USAA to tell them what happened so actions could be taken to stop all further transactions. Unfortunately, the representative i spoke to did not inform me of all actions that I could take and the my overdraft protection, that i have on my checking account, kicked in and I was charged with the full amount of the check ( approximately {$7900.00} ). I continued to speak with different representatives and departments within USAA but I always felt like I was getting the run around and no one really wanted to help with the problem. At one point, an USAA representative stated that she would get in contact with XXXX Bank on my behalf to try to resolve the problem, that never happened. I spoke with XXXX Bank about this problem and their Fraud Dept said that they would put on inquiry into the account that the money was transferred into, but could not do anything else. The XXXX Bank representative said that my bank, USAA, would have to get in contact with them for anything to proceed any further. Again, USAA did not want to help this problem and said that I am responsible for all money that was charged due to my overdraft protection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: KEYCORP
State: VT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
To whom  it may co ncern, On today,  XXXX / XXXX /  XXXX  .  XXXX  at  KeyBank  in  XXXX , VT, told me that I would not be allowed access to my funds in my bank account. I work overtime every week and I have  two smal l children. I can not feed them, I need access to my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
In XXXX I started the car loan with the company. I started to fall in financial straits due to my mother becoming ill with with a fatal illness. I was XXXX and due to me being the only child and having to stop work to tak care of my mother full time. I reached out to my job as well as Chrysler company for assistance with deviating payments. I was not given a helping hand and in XXXX my vehicle was taken back by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Ive Been trying to resolve the multiple duplicate negative student loan accounts on my credit report. The credit bureaus are neglecting to verify my account properly. If they can not verify or determine which ones are duplicate or original. I am requesting that all be deleted.

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 2016-12-09
Company: Specialized Management Services, Inc.
State: AL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I knew my Dentist personally, and he would do free work for me sometimes. After he died, the other dentist put me in collections for the stuff i was told not to worry about. I called the office they worked at today XXXX/XXXX/16, and all my files showed i owe nothing. All this free work was 10 years ago in my low XXXX. I dont feel like any of this is on me. I went to the dentist expecting to pay everytime. And this has my credit messed up and i need this taken care of asap. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
USAA has negligently refused to credit an unauthorized charge and told me over and over again that the account was correct. This has been going on for over 2 months. Today after being transferred over and over again I was finally able to walk someone through the error and they agreed but did n't know what to do. I am reporting negligence and gross incompetence of the USAA credit card company. Oh and after 2 hours on the phone with them trying to get it resolved they hung up. More incompetence and discourteous. Account has still not been corrected. Please point me to where I can receive e help in resolving this issues and do n't point me to XXXX because they are incompetent!! behavior.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief