BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
USAA reduced my overall available credit significantly then subsequently closed my account. They denied a subsequent application for a similar account stating that I had recently applied for too many accounts. 

Review my application and reassess decision based on CREDITWORTHINESS!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2015-12-02
Company: DISCOVER BANK
State: WA
Product: Credit card
Issue: Advertising and marketing

Complaint:
Hi, Discover is engaging in false advertisement and tricky practices, taking customer for a ride by using the XXXX XXXX XXXX % cash back promotion. They say that they will give 10 % cash back on purchases made by XXXX pay. Seeing this consumers like me go to the stores which accept apply pay. At the checkout the XXXX does not work as the card is getting declined. The merchant shows that similar apple pay transactions work fine with other credit card companies. This problem is only because of discover. Already since I have waited so long in line I go ahead with the purchase and pay using manual swipe of the card. Also at the same time I call discover customer service and they confirm that problem is with them. Also they agree that they will compensate the customer for the lost cash back bonus. On subsequent follow up they do not agree to credit the bonus as per the promotion and only apply 1 time courtesy bonus of XXXX % which is way less the XXXX % promotional bonus. This is completely unethical and cheating.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Due to financial hardship, I fell behind on my mortgage payments. I discussed my situation with my lender XXXX Bank of America XXXX in XXXX of 2015. I submitted the XXXX for Mortgage Assistance in XXXX, including all requested documentation only to be asked to submit the same paperwork over and over again. During the phone conversations, Bank of America, appeared to give me the run around and they informed me that the service on my loan was being sold on XXXX XXXX, 2015. I was also told that all paperwork would be sent with the loan documentation. I did not receive anything in writing about who will be servicing the loan. According to a letter I received on XXXX XXXX, 2015, from my understanding the service company assigned to my account is XXXX which is an agent of XXXX XXXX. I informed XXXX XXXX XXXX that I had completed paperwork for Mortgage Assistance, but they told me that there was no paperwork of that nature on file. Bank of America did not process the paperwork as they led me to believe. I requested the forms for Mortgage Assistance from XXXX XXXX XXXX, but I am yet to receive the paperwork. In short, the agent for my loan as well as Bank of America have not provided proper support for my repeated requests.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: CO
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:
In accordance with the Fair Credit Reporting act 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 I did not authorize the credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: ResidentCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I 've been communicating with the XXXX of XXXX manager, XXXX regarding a debt they 've originally noted to be XXXX and I challenged the amount. They then reduced it to XXXX and I challenged that amount as well. I never owed any of these amounts, and they 've since re-aged the debt and are submitting XXXX debts to the bureaus. XXXX of the debts are listed under the Apartment XXXX and the other under Resident Collect. The manager at apartment gave me the number to XXXX XXXX at the Collection agency who she had spoken to that very day regarding my file and suggested I speak to her myself. XXXX XXXX was extremely rude to me. She cut me off before i finished my concern. She said she would transfer me to someone else and when i told her that i preferred speaking to her because she was familiar with my case, she told me since i didnt want to write down the number, she would just transfer me and hung up. When I attempted to reach her several times after that on the same day, she transferred call to another area. When they picked up I asked for XXXX XXXX 's supervisor and the lady questioned me why I wanted to know that, said she would n't give it to me and hung up. I called again several times and they just kept putting me on hold or transferring the call. I finally left a message for XXXX XXXX and to this day, I 've still not gotten a return call. They were rude, disrespectful, did n't offer me any assistance at all. I am trying to buy a house and it is critical that I get this straightened out as it can possibly cause me to lose my chances of purchasing a home. They never gave me proper documentation that said there were damages I did n't make. I did n't leave the apartment in the state they noted. 
I am losing something far greater than they are trying to collect. I 'm working extremly hard to get my credit up to standards to purchase a home and have attempted on so many occasions to resolve and to be so close and can not get any assistance or even a return phone call is totally unacceptable. They could care less if I resolve the issue or not. They are reporting me XXXX and its hurting my credit beyond words as the debt reported on both are high numbers. I can not fix anything without any communication with them. My hands are tied and its extremely stressful. The lack of respect totally affected my health to the point where it triggered a XXXX and my XXXX. These are supposed to be professionals. Something should be done with these collection companies that treat you as though you 're nothing and does n't think respect and professionalism is needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX/XXXX/16 reported XXXX XXXX as central finl control XXXX, next day reported as syndicated office systems same address. They go back and forth to tank my credit score. on XXXX, my report shows account closed from central finl control on XXXX and XXXX, XXXX does n't even show name. now again on XXXX, if the acct is closed, which why are these people reporting when I am paying original debt. why do they keep sending this negative info. to lower my score and no calls, no letters from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

XXXX XXXX Inquiry dateXXXX XXXX XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX MO XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal 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 2020-04-14
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:
XXXX XXXX XXXX reporting payments incorrect on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Payments were NEVER late on this account. 

XXXX XXXX XXXX reporting payments incorrect on XXXX  XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Payments were NEVER late on this account. 

These inquires WERE NOT authorized by me and need to removed : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/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 2022-05-13
Company: MONEY SOURCE, INC., THE
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In multiple instances over the past months, I've contacted " The Money Source '' about our existing mortgage, in regards to removing PMI or Private Mortgage Insurance. 

Given the values, and appraisals rising on comparable home sales, I would like to see my PMI removed from the loan, since we will be below 80 % LTV now, with our outstanding balance being below XXXX XXXX 

They told me that once I paid an evaluation/appraisal fee of XXXX dollars, they would do their work to ensure the property reaches the threshold needed ( {$270.00}, xxx ) given our remaining balance, to reach 80 % Loan to Value. These fund have been paid for this purpose by myself and my wife. 

I've been told on several occasions that the work has been completed and the PMI is in process of removing. Since those instances, I was contacted and told that they are awaiting me to give further documentation of " upgrades to the property '', ( which is not needed, and they've also given contradictory stories on this ). This may be something THEY would like to see, but is not required. 
After speaking with someone in a supervisory role, they said that they do not work in the department that sends out the appraiser/evaluator that does the valuation, but that they would contact me to schedule this. I have not yet been contacted for this purpose, or at all. 

I feel like I am getting passed around and getting the 'run-around '. 

Once a consumer request removal and the loan reaches 80 % Loan to Value, it must be removed per RESPA/various other acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
There are several accounts listed on my credit report that aren't mine. Please have them removed. Thank you.

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 2022-05-13
Company: ROBINHOOD MARKETS INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I just moved to the XXXX, North Carolina area and was taken out to a bar called XXXX XXXX XXXX on XX/XX/XXXX where I used my debit card ( as a credit card ) for a transaction in the amount of {$7.00} for a drink. 

After leaving XXXX XXXX XXXX I later started to see transactions coming from my account on XX/XX/XXXX and XXXX for somewhere called XXXX XXXX XXXXXXXX in the amounts of {$100.00} and {$120.00} on XX/XX/XXXX and then another {$100.00} charge on XX/XX/XXXX at the same place. 

As soon as I notice the first charge I reached out to my bank, Robinhood, reported my card stolen and disputed the charges. They immediately cancelled my card and issued me a new one and issued a credit for three {$1.00} authorization charges from XXXX XXXX XXXX but not the actual charges. After much back and forth with their dispute department I was told that these charges were legitimate for the following reasons : - My pin number was used ( which is impossible because bars do not take patrons pin numbers ) - Based on my XXXX location I was in the area ( which is true because I just moved to XXXX and live in the metropolitan area within two miles of a large number of bars in the area ) I have still never been to XXXX XXXX XXXXXXXX but did reach out to the company to try and get their help after Robinhood sent my case to escalations ( where it still is allegedly ). The owner of the bar told me that their system did charge their customers multiple times around the time that this happened and that if the charges were no longer pending they could not help me and I would have to reach out to my bank. 

I have attempted to contact Robinhood multiple times and have repeatedly been told that their dispute department would contact me. I have been waiting for a week now for a callback that I was told I would receive this week.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: U.S. BANCORP
State: VA
Product: Credit card
Issue: Rewards

Complaint:
XXXX XXXX and US Bank have retracted some of the key features ( bonus night award ). of their loyalty visa signature credit card. I have paid {$75.00} to use these benefits, spent thousands of dollars on the card in the first 60 days and now they are taking away a benefit that I Just paid for. They advertised this benefit up to the last moment and without warning remove that feature ( XXXX months warning does n't count when we are talking about travel benefits ). I feel this is extreme bait and switch. 

In the marketing material and in my signup legal paper work, XXXX XXXX and US Bank describe the " Bonus Night '' benefit as " bonus award night exclusively for card members ''. Card members must pay {$75.00} for this benefit. They then must use the card to earn points to use benefit. I have signed up for the card last month and already spend thousands of dollars on the card to use this benefit, that I was promised and paid for. Now they have sent all card member notice they are removing this benefit. A benefit I paid for and have not enjoyed. They gave card members 2 months notice. Unacceptable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an 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 2020-04-14
Company: The Outsource Group, Inc
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I filed a complaint against medicredit. They answered my claim but did not send me any proof of verification. Once again I am requesting that you validate the debt. Im asking for you to provide me with what I asked for initially. They also never sent proof that I could as for debt verification.

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 2016-01-20
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Well Chase is at it again. 

This relaters to XXXX of my bank accounts. XXXX ending in XXXX, the other in XXXX. 

On Wed XXXX XXXX at approx XXXX in the XXXX I checked my bank account and noticed a pending overdraw in my XXXX account in the amount of {$27.00}. This is despite the fact that I have overdraft protection which should have covered the overdraft. Perhaps since it was a " pending '' overdraft it had n't kicked in. So TO BE SURE TO AVOID OVERDRAFT OR FEES I got out of bed, put my boots on and walked through the snow to the bank ( at XXXX ) and deposited XXXX dollar to cover the pending overdrawn account. When I got home I checked online and my account was covered, no pending overdraw, no negative. 

My XXXX account was also in the positive. 

So I went to bed sure that I had avoided overdrawing my account. 

When I woke up this morning XXXX XXXX and checked my account online my account XXXX was overdrawn by XXXX which included a late fee. The amounts shown were totally different than they had been the night previous ( ie. the debits were in amounts exceeding what was shown only hours earlier so it was not an accurate reflection of anything in my account ) But even more disturbing, my account ending in XXXX, which only hours earlier was positive with nothing pending, was now overdrawn by {$130.00}. WITH XXXX LATE FEES and balances that bore no resemblance to what my account had shown only hours before. I know as a fact my account was positive only hours before. 



The check for XXXX that had supposedly overdrawn my account on XXXX XXXX had now mysteriously appeared, though I know as a fact that it had not appeared in my account on XXXX XXXX because I was at the atm and online at XXXX on XXXX XXXX checking my account. 

Chase has always had a " pending '' period during which I could cover a pending debit. Not only did this now happen, but transactions appeared a day later than they HAD SUPPOSEDLY POSTED. This is either a glitch or a purposeful way to cheat people. Either way, it 's wrong. 

My online and atm balances were not accurate and there was simply no way for me to responsibly keep my balance positive.. I WAS AT THE BANK AT XXXX to put money in and check my accounts!!! 

I now have XXXX dollars in unfair fees that clearly I ca n't afford. 

Of course Chase wo n't help. 'All my fault ' is all they say But this was not my fault or fair. Check the records and you will see that the information provided to me about my accounts was not accurate. 

1.My overdraft protection did not work right. 
2. Chase 's online and atm balances were not accurate and did not provide information to me to allowed me to monitor my accounts. In fact they were actually deceptive, hiding a transaction and then showing it a day after it had supposedly posted. 
3. But their fees work just fee ... as always.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: MS
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: Tower Loan of Mississippi, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I Received a letter in my mail saying that I cashed a check that was sent to me so Its a loan and I need to pay starting XX/XX/2021. I have not seen any check in my mail, I ve not cashed out anything and I ve not heard of the company TOWER LOANS before.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: R.T.R. Financial Services, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Complaint # XXXX was closed. The company RTR Financial keeps calling my home phone #.

Company response to consumer: Closed with explanation