BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/XXXX my credit card had suspicious activity with USAA. I called USAA and reported the fraud charges. USAA never called up to take down the information and in XX/XX/XXXX I received a credit card statement showing a balance of {$6.00} being owed and they said if we didn't pay they would close the card. 
My wife called as the account is through her but it was my card. USAA said that they would fix it. This went on for months until XXXX when we got another statement saying we owed the same amount. Again my wife called and they had already closed the account that was paid in full, XXXX balance with a {$6000.00} credit limit and reported me as delinquent to the credit bureau. Again USAA said they would fix it. 
Fast forward to XX/XX/XXXX my wife spoke with USAA again as I had tried to apply for a small personal loan and was denied, the reason was USAA. 
The lady my wife spoke with helped her over a 2 hour period to ensure they would get this handled. What my wife found out was USAA never reported the original charges in XX/XX/XXXX as fraud. As it's been too long now they can't report them the usual way so they had to go through a special department within USAA to get it handled. My wife called again today, XX/XX/XXXX, and USAA pretty much said we can't help you. 
I would like them to fix the credit card and reinstate at the original {$6000.00} with the interest we had originally. Take off the delinquent charge and report as fraud like it should have been done originally. Then they need correct the credit issue so my credit is fixed! 

Everything was via phone call and all the notes are in our account under my wife XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , AZ XXXX .

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-29
Company: CITIBANK, N.A.
State: IL
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I received a Mortgage Loan Modification in 2011 via CITI MORTGAGE ( XXXX XXXX owns the paper ). This modification was grated to me via the HAMP/HARP program via the Federal Government. That funding was provided to these banks from the Federal Government to provide relief to me, due to the housing crisis collapse. They modified my loan. However, they built into the loan verbiage that shares if I failed to make a payment or late payment any forgiveness will be forfeited. See Paragraph ( XXXX ). Principal Reduction Alternative. I did not know this verbiage was " baked '' into this modification. I think that is BS and if XXXX XXXX or Citi Mortgage is going to KEEP the {$66000.00} of forgiveness, I want that money RETURNED TO THE FEDERAL GOVERNMENT!!!! This is just ANOTHER CLAUSE that set people up for failure, at a very tumultuous time, so these BANKS can SNAKE the fees on the back end that were clearly intended to HELP PEOPLE not them! That said, my Mortgage is up to date. This Modification is current. I received a letter stating that at the end of this loan, if paid within 30 years, will owe CITI MORTGAGE another {$98000.00}!!! That is only based on today 's rates! This means that the {$66000.00} of FORGIVENESS is growing with interest on the back end! Again, this makes this loan affordable and OUT OF REACH and completely defeats the purpose of the Federal Government Programs for this purpose and their intention to ASSIST THE CHEATED CONSUMERS!

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 2015-03-24
Company: CITIBANK, N.A.
State: WI
Product: Credit card
Issue: Billing disputes

Complaint:
About 5 -10 years ago a Sears sales person talked me into applying for a Sears Master Card. I received the card but NEVER used it. XXXX 2015 I received a statement owing {$35.00} " XX/XX/2015 XXXX card reload XXXX ". Knowing I NEVER used the card, never been in a XXXX, an do n't even drink coffee, I ignored the statement. 
In XX/XX/XXXX a statement came with penalty making the balance due of {$62.00}. 
On XX/XX/XXXX I replied with a note on the statement refuting the charges and asking Sears and Citi cards to correct their records. 
XX/XX/XXXX letter from Citi Cards threatens to " report information about your account to credit bureaus. '' On XX/XX/XXXX I received from Citi bank a new Sears card and blank checks which I have no intention of using. 
An internet search shows numerous examples of people with similar false charges regarding " XXXX card reload XXXX Wa " on various credit cards. It appears XXXX, Sears, nor Citibank are interested in stopping this scam. 
As a XXXX I do n't need the aggravation of trying to protect my credit rating through no fault of my own.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-07
Company: EQUIFAX, 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:
Non contract on my credit report with XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX  They put a account on my credit report and I dont have a court order or I dont pay support its inaxc please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: EQUIFAX, INC.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OK
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
My wife was at XXXX and the debit/credit card we have through USAA bank was not working. I immediately called then and was told I had an hour hold time. I tried their online page but was unable to accomplish anything there either. So, I stayed on the line and within one minute was disconnected. My wife calls back and tells me that all USAA card-holding customers are having trouble too and not one of them is getting through to USAA bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: EQUIFAX, INC.
State: MI
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:
13 inquries were filed on my credit report dates filed : XXXX & XXXX. These lenders has tremendously impacted my credit scores I have XXXX collections as well XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX  # 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
13 inquries were filed on my credit report dates filed : XXXX & XXXX. These lenders has tremendously impacted my credit scores I have XXXX collections as well XXXX XXXX XXXX In 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

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 2020-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am trying to improve my credit score. I used the simulators on the credit report services that are included with 3 of my credit cards. They indicated that my score would increase 100-150 points if I paid {$27000.00} down on my credit cards. I did and my scores only increased 10-20 points. I closely monitor the timing differences between what I have actually paid versus what has been reported to the credit reporting agency. There are very few differences. 

I took money out of my retirement account to pay down this debt because of what the score simulators told me. Now my scores are still in the 665-686 range and my retirement account has {$27000.00} less than it should have. If these simulators had told the truth, I would not have taken money out of my 401k. A small increase in my score was not worth reducing my retirement account.

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 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX  XXXX  # XXXX in 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

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 2021-09-05
Company: Experian Information Solutions Inc.
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This information reporting on my credit profile is inaccurate and I would like you to validate that it belongs to me. Per the accounts below : EXPERIAN : XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX {$2000.00} Account number XXXX Collection opened XX/XX/2018 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  {$2900.00} Account number XXXX Collection opened XX/XX/2018 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$4800.00} Account number XXXX Collection opened XX/XX/2018 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$200.00} Account number XXXX Collection opened XX/XX/2018 2018

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 2015-08-20
Company: Advance America, Cash Advance Centers, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Last year I made the mistake of taking a loan with Advance America. I contacted them repeatedly on trouble with paying it back and trying to resolve with a payoff program. 
I committed to paying back the loan XXXX at a time at which point they tried to debit XXXX from my account immediately. I immediately changed my card an bank account number to keep my funds so I could feed my family and pay essential bills. 
They called back threatening a civil suit unless I made another arrangement. They also threatened to have " personal '' collector come to my residence to collect. A practice I thought long gone and illegal. They were very vague and argumentative as most collection agencies are. 

I made the arrangement today XXXX/XXXX/2015 at XXXX but during the call the person repeated my Debit card number out loud in a room full of people. I know this to be illegal and it opened up my card to a variety of ways it could be used. They repeated back the number, expiration date and security code. Everything that would be needed to gain access. 

The contact person name is XXXX from XXXXXXXX from their verification department however did not divulge any of my information and limited the security questions to the last XXXX digits. 

This is very dangerous because anyone could have taken my information down. I have alerted my bank about this. I am launching this complaint to keep other consumers safe. I fully intend to pay this bill off. I do not however want random people knowing my debit card number and personal information.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: International Computer Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a collection notice from FCS First Collection Services for XXXX ( XXXX ) for {$260.00}. I have n't been operating my business for the last 3 years. I regularly advertised with XXXX XXXX while I had my business and paid that bill monthly. I never advertised with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: EQUIFAX, INC.
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 ACCOUNT # XXXX IS A FRAUDULENT ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: BROKER SOLUTIONS, INC.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My lender ( New American Funding ) which I have a Federally backed Mortgage with ( VA LOAN ) have been in violation of the CARES ACT and the Circular 26-20-12 dated XXXX which the VA distributed to all lenders who service VA LOANS about two weeks later I requested a Forbearance for 180 days which was denied which is a violation of the Cares Act which states that the borrower not the servicer is entitled to determine the period of the forbearance subject to statutory limit of up to 360 days so my lender still thinks that they are entitled to determine the period of forbearance they still have not granted the me the full 180 days of forbearance they granted me 60 days XXXX to expire on XXXXXXXX which is 60 days my lender also sent me a letter dated XXXX  to inform me that hazard insurance has expired it is my understanding if the borrower has an escrow account with the lender the lender is responsible to pay hazard insurance while my loan is in forbearance which it was at the time my lender has continue to ignore or refuse to follow the guidelines under the CARES ACT for lenders that services Federally backed mortgage they have continued to violate my rights under the CARES ACT I will upload documents which exactly gives dates and you will see that I have informed them several times that they were in violation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, I inquired with US Bank, who holds my mortgage, about an escrow waiver. They told me I do qualify but I would be required to pay an escrow waiver fee of .25 % of my remaining balance, which is currently {$760.00}. I asked them and also researched what this fee was for and found on the US Bank website the Applicable Mortgage Fee page that is required by the FDIC. On that page, it explains that the fee is only assessed for escrow waiver if the person received discount points on their mortgage at closing. I reviewed my mortgage closing documents and I did not receive any discount at closing. I also verified this with my mortgage broker who did my closing. I requested documentation from US Bank showing where I received discount points at my closing, which would prompt this fee but they have not been able to provide this. The continue to refer me to XXXX and section 14 of my loan disclosure which discusses loan fees, however does not prove that I was given a discount. If they are able to prove I was given a discount, then I will understand why the fee is being assessed but I believe this is not the case and they are trying to wrongly charge me a fee when I do not meet the requirements to charge the fee. They have basically told me I can either pay the fee or leave my escrow in my mortgage. I went into a branch today XX/XX/XXXX and spoke with a person who talked with the mortgage department who said the same thing that Ive been told. Still, no one is able to show me where I was given a discount which would justify the fee being assessed. I even offered to open a savings account with US Bank and move the escrow money to that account so they didnt lose the money, but they still said I had to pay the fee.

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 2020-08-07
Company: Statebridge Company
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed our refinance with XXXX on XX/XX/2020. I checked on the status of the escrow balance with Statebridge LLC on XX/XX/2020 and noticed that it still reflected a credit balance. I called them at XXXX Central time and was informed that the loan was not paid off until XX/XX/2020 and they will send the refund within 30 days. Today, on XX/XX/2020, I again checked on the status and it still reflects a credit balance, but the account is inactive. Escrow : {$430.00} and Unpaid balance of ( {$200.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: Experian Information Solutions Inc.
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:
name not mine NAMES REPORTED XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX   XXXX, FL   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX address not mine filed ftc XX/XX/XXXX Creditor Name XXXX Account Type Flexible Spending Credit Card Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit {$3000.00} Term -- Monthly Payment {$170.00} Responsibility Authorized User Balance {$3000.00} Highest Balance {$3300.00} Payment Status 60-89 Days Late Worst Payment Status 60-89 Days Late Date of Last Payment XXXX  XXXX, XXXX Amount Past Due {$330.00} Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Misc . 
XXXX XXXX XXXX XXXX Creditor Contact Details XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, FL XXXX ( XXXX ) XXXX Inquiry Date : XXXX XXXX, XXXX Removed By* : XX/XX/XXXX Inquiry Type : Finance XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Bank  XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX inquires not mine

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 2021-09-05
Company: CREDIT ACCEPTANCE CORPORATION
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:
MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE ( FCRA ) DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! XXXX violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 ).

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