BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had a dispute with my bank in the middle of this pandemic and got the courage to report them to the XXXX  after retaliation towards me due to my expressed opinions on a social media platform. Yes, social media is that powerful! 

Anyway, follow me I made an announcement on linked in asking for help about issues that I was having with usaa because they were tampering with my account. They have recorded calls, I do too. 

After the announcement, funds were stolen from my account. 

I called usaa and said where are they, they told me they dont know and they cant help me! Ok, ok, ok but wheres my money? 

I filed with the XXXX, this was XX/XX/XXXX. In the middle of a pandemic. Picture stealing from your poorest customers as retalion because she cursed you out on the phone after your stole from her the first time. 

Here 's why I'm here They refunded the total amount of money per the XXXX  as they were found to be in the wrong BUT During the dispute, they blocked me from paying down the negative balance on my account, thus calling it a charge off. They plan to report the account as charge off on my credit. 

Here 's where they went wrong, I linked my USAA account to my new bank so I could see what they were doing. I have the screenshots and pictures! The rep lied and said the account was closed, guess what it's still opened!!! I'm looking at it right now! The public wont see this but the CF has an uploaded copy of my account info as of today! 

As a XXXX  veteran I wondered how could someone that I dont know hate me so much to did this? Just because I spoke about being tired of not getting my disputes handled, JUST TO FIND OUT THAT I WAS RIGHT! THEY RECENTLY LOST A SUIT AND HAD TO PAY MILLIONS TO CONSUMERS FOR NOT FILING THIER DISPUTES. THIS WAS THE REASON I WENT TO THE XXXX. I HAVE BEEN FIGHTING THIS ISSUE WITH THEM FOR 5 YEARS! RANDOM TRANSACTIONS WOULD DISAPPEAR FROM ACCOUNT AND NO ONE AT THE BANK COUKD HELP ME. IS THIS WIERD OR IS THIS XXXX NOT RIGHT!? WHICH ONE?! 

To add injury, I have the screenshots of the email that the executive team sent to me about my stimulus checks being in the closed account. What a way to treat a consumer. So now I have to wait until they decide to send it back to the IRS or if their going to steal it. If you're reading this can you find my funds. Thanx! 

I respect the banking industry so much that I got XXXX XXXX in it. I am not a fool and this was an overt act of retaliation. But why did it take all of yall against me and I still got my money back?! That means, either their are people in the system that are good or consumers are more powerful than we think! I am not a fool. There is always more good. XXXX is never supreme and dont live long!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: EQUIFAX, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
I submitted a dispute to the credit bureaus on XX/XX/2021 and still haven't received a response by mail. It has been over 60 days and i will not wait another 45 days for no response. I will file a complaint with the XXXX  XXXX  XXXX  and the Federal Trade Commission since i am not aware of these accounts. This has caused stress to my life. Please remove these account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: Home Point Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage company threatens non-renewal of insurances with inconsistent dates and harassing letters every year. They tell you they are not paying your escrow and don't tell you when they do. Their customer service will not provide assistance. The insurance companies send communication to the lender and me saying the fees haven't been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
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: Information belongs to someone else

Complaint:
This complaint is continued from my previous complaints. I included the police report I filed because I forgot to list it in the other complaints. listed below are the complaint numbers from cfpb : Complaint # XXXX Complaint # XXXX Complaint # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS IS NOT MY DEBT AND HAVE ASKED TO THE COMPANY TO VALIDATE, DEBT IT NOT MINE. THIS COLLECTION IS TRYING TO COLLECT ON DEBT THAT I DO NOT KNOW OF

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: EQUIFAX, INC.
State: OK
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:
Hello, you are reporting unverified accounts on my credit profile. By continuing to do so they are in violation of 15 U.S.C. 1681. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 the credit reporting agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. 

I have sent multiple requests for proof of verification ( copy of the original consumer contract with my signature on it ) of the accounts that you are reporting on my credit report in the form of disputes. Every one of my requests has been ignored. Your company 's continued ignoring of my multiple requests for proof of verification ( copy of the original consumer contract with my signature on it ) has and is hindering my ability to obtain credit. 

My most recent request for proof of verification of the unverified accounts was sent out on the XX/XX/2020. 

I am simply requesting that the credit reporting agencies properly verifiy accounts they are reporting on my credit profile and send me proof of verification or simply delete them, which they have ignored those requests time and time again so I am reaching out to you and asking for your assistance in this situation. 

Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: TD BANK US HOLDING COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I applied for a line of credit with XXXX XXXX to buy a new phone for my wife for XX/XX/XXXX. Upon applying for the credit line and being approved my order was successfully placed for {$520.00}. The following morning I woke up to an e-mail stating that I had NOT been approved for the line of credit and that XXXX was canceling my order. I didn't think much about it until I received a letter a few days later congratulating me about the credit line I was approved for, but to my surprise, the charge for the phone was still showing on the credit card despite the order being canceled and I never received the phone. I tried calling T.D. Bank ( the bank who manages XXXX XXXX ) and after 2 hours and a conference call to XXXX XXXX to remove the balance for a product I didn't get, neither company was willing to remove the charge. XXXX told T.D. Bank that it wasn't their problem and that they canceled the order, but T.D. Bank said that they can't cancel charges from XXXX. At this point, I owe a balance on a line of credit for a product I never received and it has been 20 days since the transaction was supposedly canceled. T.D. Bank even heard XXXX say that they canceled the order and that the charge should not be there. Please help me get some resolution on this before it destroys my credit. Additionally, I truly feel like T.D. Bank/XXXX XXXX was very deceptive with the advertising of this credit line and it feels like they just hooked me into applying for the credit line only to cancel the order after the approval went through. Any help is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the 3rd time I have requested these unverified items on my credit file that I do not recognize. Trans Union, XXXX, XXXX I have requested legal documents from the creditor 's documentation on file to verify that this information is mine and is correct. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 
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 explanation
Consumer complaint received 2021-11-25
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021, I was contacted by an anonymous woman on XXXX claiming to be a sugar momma and was willing to pay me {$400.00} a week while sending a remaining {$2100.00} to her child and grandmother. On XX/XX/2021, I received a check for {$3000.00} dollars through email from this anonymous woman. I then made a mobile deposit using the check into my account. I then did a XXXX search on this scenario and found out that it was in fact a scam and that I was at risk of going to jail for fraud.

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 2022-08-24
Company: WELLS FARGO & COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Scammers email : XXXX Scammers alleged name on XXXX : XXXX XXXX Scammers website : XXXX XXXX XXXX I was looking to get a puppy and found this site that looked legitimate for a puppy. I contacted and was emailing the on company on XX/XX/XXXX. After a few hours over talking over email he asked me to XXXX him {$1400.00} to get the puppy on a plane to me. So I did via Wells Fargo to XXXX. He then sent me a fraudulent airplane ticket through another puppy servicer for airplane rides. It was saying the crate was not approved and I needed to pay more for a new one. When I asked about this he said the puppy was at the airport waiting to picked up but I needed to pay more for a new crate. I did not though because I called the actual company and they said it was a known scam. 

This is so much money lost. And Wells Fargo is refusing to help me and im so heartbroken over this. Ive been with this bank for a decade and this one mistake I made they wont help me with. Please help me recover these lost funds. I was truly scammed. You have all the info above and can see for yourself if you contact him. Plus the pictures of the puppies never change. I can send all our communications we had via email too.

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 2020-10-05
Company: Mr. Cooper Group Inc.
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper provided contradicting answers and provides poor service. I got off the phone today feeling like I don't matter to them as a customer, and I hope I never have to call them again in my lifetime. 

My bankruptcy will be discharged within two months, so I was trying to find out what my options are on refinancing my loan after the discharge. I called last Friday, and I was transferred to a " loan professional '' who said he would have to have someone call me back on Monday. Now it's late in the day on Monday, so I called Mr. Cooper again since no one called me. 

The individual to whom I spoke was rude and very dismissive. She said no one would call me back if I have an active bankruptcy. She practically laughed at me. My question is not silly : Can I refinance once the bankruptcy is discharged? I have made all of my payments in the plan, and I have been a good customer. I certainly never wanted to file bankruptcy, but those are the cards life dealt to me. Some understanding and respect would be nice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
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: Account status incorrect

Complaint:
Dear Sir or Madam, As discussed with the lender to no avail, I was not aware that XXXX XXXX XXXX had assumed my mortgage from the previous lender, as I had received no correspondence nor any phone calls from anyone until XX/XX/XXXX. 
On XX/XX/XXXX, I spoke with XXXX XXXX XXXX XXXX customer service representative who explained that XXXX XXXX XXXX had become the new lender, and, as a result, it was owed 3 months-worth of mortgage payments. Even though I was surprised that nobody had contacted me before, on the very same day, I wired the amount owed at that time, i.e., {$5100.00}. Since then, I have been paying the mortgage payments regularly, that is, I paid {$1200.00} on XX/XX/XXXX, and {$1200.00} on XX/XX/XXXX. In addition, I also enrolled in automatic payments. As my credit history demonstrates, I have never, not once, missed a payment with any creditor. Despite XXXX XXXX XXXX failure to contact me about the assumption of my mortgage until XX/XX/XXXX, and despite my punctual payments since then, they have not updated my statements. In addition, to my surprise, they have also reported false information to credit agencies and noted that I have missed all payments to date, even though I have paid all that is owed so far, that is, a total of {$7700.00}. 
I am therefore hoping that you would assist with this matter and request that they update their records and immediately withdraw the delinquency notice with the credit agencies. 
Please contact me at XXXX if there is anything I can provide ( bank statements, etc. ). 
Thank you and best regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
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: Reporting company used your report improperly

Complaint:
Went to a car dealership to apply for a car. XXXX XXXX XXXX said only they were gon na pull my credit report! However 6 more places pulled my credit report 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 2022-12-07
Company: LEXISNEXIS
State: NV
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:
XXXX. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS XXXX. THE ONLY BUREAU THAT I CAN ACTUALLY LOG INTO IS XXXX and XXXX because I have to pay BUT THEY STILL HAVE NOT REMOVED THE OLD ADDRESS, INQUIRIES AND LATE PAYMENTS. 

XXXX. UPDATE AND SUPPRESS NEGATIVE INFORMATION XXXX. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. XXXX AND XXXX WILL NOT LET ME LOG IN EVEN WITH THE RESET. I AM REGISTERED FOR ALL, THIS IS UNBELIEVABLE. 

please update and suppress negative information, and inquiries that are not attached to any accounts XXXX. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS. IF I AM ABLE TO LOGIN THEN I WILL LOCK THEM MYSELF YOU ARE IN VIOLATION OF 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My phone numbers XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Dear Sir or Madam, As discussed with the lender to no avail, I was not aware that XXXX XXXX XXXX  had assumed my mortgage from the previous lender, as I had received no correspondence nor any phone calls from anyone until XX/XX/XXXX. 
On XX/XX/XXXX, I spoke with XXXX XXXX XXXXXXXX XXXX customer service representative who explained that XXXX XXXX XXXX had become the new lender, and, as a result, it was owed 3 months-worth of mortgage payments. Even though I was surprised that nobody had contacted me before, on the very same day, I wired the amount owed at that time, i.e., {$5100.00}. Since then, I have been paying the mortgage payments regularly, that is, I paid {$1200.00} on XX/XX/XXXX, and {$1200.00} on XX/XX/XXXX. In addition, I also enrolled in automatic payments. As my credit history demonstrates, I have never, not once, missed a payment with any creditor. Despite XXXX XXXX Bank failure to contact me about the assumption of my mortgage until XX/XX/XXXX, and despite my punctual payments since then, they have not updated my statements. In addition, to my surprise, they have also reported false information to credit agencies and noted that I have missed all payments to date, even though I have paid all that is owed so far, that is, a total of {$7700.00}. 
I am therefore hoping that you would assist with this matter and request that they update their records and immediately withdraw the delinquency notice with the credit agencies. 
Please contact me at XXXX if there is anything I can provide ( bank statements, etc. ). 
Thank you and best regards, 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 explanation
Consumer complaint received 2019-10-19
Company: BlueChip Financial
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Spoke to them on the phone. Expkained that I didnt appky for the loan. Was threatened with jail time and that my bank account would be seized

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit report act XXXX XXXX XXXX XXXX  have 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 2019-10-19
Company: Mercedes Benz Financial Services
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
When I first purchased the vehicle the dealer had said I would be able to get lower interest within a few months. Then I realized that I was paying 10 % interest DAILY. which is insane. my interest charges are 10 % which I believed would be the monthly interest but it turns out its basically a 10 % interest daily. Im just XXXX years old with a XXXX loan at 10 % which to me is ridiculous. I wanted to see If I can get any sort of help because I'm only stressing myself out not only with this type of payment but also with college added on. Please let me know what I can do, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Reporting is not accurate

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