BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN
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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) is reporting a collection to my credit report that I am not liable and that I have no knowledge of from their company. 
XXXX shows open date as XX/XX/XXXX with a balance of - {$710.00}. Last reported- XX/XX/XXXX Date Last Active : XX/XX/XXXX XXXX shows open date as XX/XX/XXXX with a balance of - {$710.00}. Last reported- XX/XX/XXXX Date Last Active : XX/XX/XXXX XXXX shows open date as XX/XX/XXXX with a balance of {$710.00}. Last Reported- XX/XX/XXXX Date Last Active : XX/XX/XXXX USAA SVG BK is reporting inaccurate information on my credit report, and I would like them to remove these accounts from my credit report immediately. They refused to remove this account, and they also failed to provide validation of this account when I inquired for validation not verification of this account. 
XXXX : Date open date shows XX/XX/XXXX. Last Reported : XX/XX/XXXX Date of last active : XX/XX/XXXX Date of last payment : XXXX : Date open shows XX/XX/XXXX. Last Reported : XX/XX/XXXX Date of last active : XX/XX/XXXX Date of last payment : XX/XX/XXXX XXXX : Date open shows XX/XX/XXXX. Last Reported : XX/XX/XXXX Date of last active : XX/XX/XXXX Date of last payment : XX/XX/XXXX XXXX XXXX is reporting inaccurate information on my credit report, and I would like them to remove these accounts from my credit report immediately. 
XXXX : Date open shows XX/XX/XXXX. XXXX reported on : XX/XX/XXXX. Date last active : XX/XX/XXXX Date of last payment : XX/XX/XXXX XXXX XXXX Date open shows as XX/XX/XXXX. Last reported XXXX. Date last active shows XX/XX/XXXX. Date of last payment : XX/XX/XXXX. 


XXXX : Date open shows XX/XX/XXXX. XXXX reported on : XX/XX/XXXX. 
Last date active : XX/XX/XXXX. Date of last payment : XX/XX/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 2021-11-19
Company: EQUIFAX, INC.
State: MN
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:
There was never a late payment. The name of the Company is XXXX XXXX XXXX XXXX. The company has numerous of scam issues against them. Yet Equifax, XXXX, and XXXX have enable them to falsely report information. Saying that the information is verified without asking for any proof. In fact, I do not owe XXXX XXXX XXXX XXXX anything nor I was late. Please proof that I was late!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
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: Information belongs to someone else

Complaint:
I have sent several certified letters to both the collection company as well as the  XXXX  credit bureaus regarding  XXXX ,  XXXX   XXXX  and   XXXX   XXXX   accounts that I didnt authorize in my name. It has been showing up for the past few years on my report and thats not fair to me as a person who is trying to establish credit after being a victim of identity theaft for many years and i didnt know. I have a security freeze on my credit reports now. I had to work on my credit report night and day to resolve the issues that had arised. It 's  XXXX  items that needs to be removed. I am reaching out to you to see if I can get assistance from this department. Please assist me in this process. I have letters to show that ive made several contact with both creditors as well as the credit beaures. These items are seriously affecting me with obtaining credit and I NEVER DID BUSINESS WITH EITHER BUSINESS. I was n't able to attach my last  XXXX  ss # on this conplaint due to an error. Please be advised and fix this error reporting on my credit report. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This is in reference to my previous complaint #  XXXX .      XXXX / XXXX /  XXXX   - I contacted a CSR at Nelnet to find out the status of my student loans. I was told that my student loans had been put on Forbearance, from  XXXX  due to an error in processing my REPAYE recertification. At no time did I ever request that my loans be put on Forbearance as I am almost 5 years into my 10 year plan of  Public Service Loan Forgiveness  and I knew that a Forbearance would negatively affect my plan. I was never told that my loan was being put on Forbearance. I was done without my consent. Because of this mistake, I was told that my payments of {$100.00} were insufficient and more interest was added to my balance, bringing the grand total to {$95000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Patient Accounting Service Center
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I mailed the attached letter to ARstrat because XXXX improperly denied payment on a medical bill relating to my son 's birth on XX/XX/XXXX. XXXX failed to add my son to our account for over 4 months. The hospital ( XXXX XXXX XXXX in XXXX  ) agreed to resend the bill to XXXX, but instead sent it to collections. I've disputed the debt with both the original and collections creditor, but wanted to make the CFPB aware to complain directly to XXXX since their delay caused the initial failure to pay the hospital timely, resulting in inappropriate and stressful collections to me, the end user. I have a XXXX XXXX XXXX and a XXXX XXXX  career, and am writing this email at roughly XXXX XXXX at work. The military should better support its dependents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
Bank of America se nt me a letter stating that I will not be charged a maintenance fee as long that I was in rolled in a cash back deal. But I 'm getting charged a {$5.00} fee anyways.

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 monetary relief
Consumer complaint received 2021-11-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
USAA auto policy insurance closed my account, this is unauthorized, I do not consent USAA has violated my Federally Protected Consumer Rights. I tendered an instrument which is an agreement, said agreement is a consumer credit contract and as described in 16 CFR 433.1 ( i ) an instrument, and under UCC 3-104 ( a ) an instrument is a negotiable instrument and an unconditional promise to pay, no different than a dollar. The instrument constitutes as payment under the negotiable instruments act and has fully paid for this transaction on the date of consummation. I owe no debt. As everyone should know lawful money was removed from our economy by congress in 1933 by HJR 192 ( House Joint Resolution ) and replaced with negotiable instruments. These negotiable instruments are considered as legal tender on the same par and category as Federal Reserve notes. USAA canceled my insurance and is demanding that I pay a balance that I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Transunion, Congress has already made it clear that you have assumed this role of reporting this information on my credit. Not only that you have assumed it without my permission. I have been dealing with this inaccurate information on my credit report for a LONG TIME, and you refuse to remove and delete it. This inaccurate information has affected my home buying process in such a negative way that it has ended with me paying an even higher interest rate than I would have if this inaccurate information was not present. 

I would have hoped that both you would respect my privacy especially since I have never instructed you, Transunion, to create this report showing this inaccurate account. It is a clear violation of my rights that this inaccurate information has been obtained and disclosed by your company without permissible purpose. 

You are supposed to protect my nonpublic personal information as you are a financial institution and you should be complying with 15 USC 6801. I want this inaccurate information and any names and addresses that do not match the name and address below to be REMOVED and DELETED from credit report immediately. 

Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, PA, XXXX Account TO BE REMOVED : HAMILTON LAW

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 2016-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I sent in several disputes to remove or correct an account on my report. I have full ownership of a vehicle and I have the title to the car and XXXX refuses to correct the information. I was told that I can only dispute an account with them one time only as they have already found the account to be true and i am unable to resubmit a dispute or further submit documents proving my case. I have called several times and spoketo numerous employees and no one will help. I have sent letters and have gotten no responses. This account is no delinquent and this car has been paid off. It is showing as a reposession and a bad debt

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 2021-11-20
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have written to this company Ad Astra Recovery Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) and have personally spoken with " XXXX '' Employee number -XXXX at XXXX XXXX and spoke for XXXX minutes and XXXX seconds about validating and verifying the dept prior to moving forward. He refused and told me to take the deal I was given and lucky to get. He refused to transfer me to a supervisor and then said, " he was done, and any deal he was giving us was taken off the table. '' Not only was this conversation and his demeanor unprofessional, but it was also insulting and unbecoming. Instead of de-escalating the conversation, he continued to elevate the hostility and add gas to the fire. XXXX days have passed with for the official request for verification and validation. I requested to see all pertinent documents and they have not sent anything i have requested. My next move is to take this to FDIC and also to my state attorney 's office to file a complaint. 

Respectfully, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I went to US Bank at XXXX XXXX XXXX XXXX XXXX. XXXX XXXX California XXXX. I had my paycheck from my employer which is drawn on that bank. I had proper ID. The bank manager XXXX XXXX said they do not have the cash on hand to cash my check. My employer had the funds available in the account. I was denied payment on my paycheck by the bank manager.

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 2022-04-27
Company: EQUIFAX, INC.
State: TX
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:
XXXX and Equifax are reporting the same account twice from the original creditor and collection agency. " Double Jeopardy '' is a violation of the FRCA and I am entitled to monies for damages by XXXX and Equifax. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: CITIBANK, N.A.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I used citi bank online pay to make a payment to my pnc bank on XX/XX/20. I used my XXXX checking account as the merchant. As of XX/XX/20, XXXX has not received the funds and citi bank is saying the transaction has been cleared and the money should have been received by XXXX. I provided XXXX the reference # and they still have no record of it and there is no evidence of this money in my account. 
Citi bank is refusing to do dispute and I am not a happy customer. 
Thx

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 2021-11-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX I am writing in regards to somethings that I have noticed from you all on my consumer report. I see an alleged late payment that you have furnished on my consumer report. It was actually a billing error due to violations on part of your compant. By reporting this as a late payment you are in violation of the following 15 U.S. Code 1666 Correction of billing errors ( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 

( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 

( XXXX ) Failure to transmit the statement required under section XXXX ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 

The law clearly states that you all were to send disclosure to my address at least XXXX days before the end of the billing cycle, which you did not do so therefore it was a billing error on your part. I am demanding to see real verifiable proof that I did not pay on this account that is marked late as well as proof that you have sent the disclosure as stated above XXXX days before the statement due date. If you can not provide these things. It is clearly a billing error pursuant to 15 U.S. Code 1666. 

The account below should be updated to paid as agreed on my consumer report XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation CAP ONE AUTO Account Number : XXXX As a consumer by law the late payment must be removed and account updated to paid as agreed Having this late payment reflect to my account has caused me much financial stress and money. It has hindered my ability to obtain credit and has cost me more money than it should because of higher interest rates. As a consumer by law I am eligible to seek compensation for you all violations of the law pursuant to 15 U.S. Code 1681n you are liable for up to {$1000.00} per violation. I am demanding that you update the account or remove it from my credit report ASAP or I will have to escalate this to the XXXX XXXX XXXX and Attorney General. 

Thanks for your Cooperation in getting this resolved on my consumer report. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened an credit card account  with Citi Ba nk on  XXXX / XXXX / 17 . I have never received a bill/statement/e-mail or anything from them since. Today I receive an e-mail saying that they would be waiving my late fee since I have never been late before. This is not my only account wit h Citi, but this is the one en ding in  XXXX . They tell me that since it is late though that I owe  XXXX  dollars in interest charges for that time period. I paid my entire bill immediately through a wired transfer to avoid any other interest charges in the meantime while I worked this out with them. They enrolled me in paperless billing without my consent ( I have never enrolled in paperless billing in my entire  XXXX  yrs ) and knew nothing about this service. You can check my credit history and it will show that I have always paid my bills that I receive by U.S.P.S. on time. I have never been late, paid any fees, interest, charges, anything period. I have an excellent credit history of  XXXX  or better continually. So here is my compla int. Citi enrolled me in a service that I did not agree to. They never sent me a bill ( I 've checked all messa ges in my account since I opened the account ... no bill, only a message that said for me to enroll in the service which I ignored since I have never used this before. ) They will not return the interest fee that I paid this morning and blame me for not checking my e-mails. I would like to have my interest payment returned and for them to ONLY send billing by U.S.P.S. Please help me since I can not get anywhere with them directly.     Sincerely,  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 monetary relief
Consumer complaint received 2021-11-20
Company: NAVY FEDERAL CREDIT UNION
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have tried to close my checking account several times and have been refused. I was then charged with fees from returned checks when I have not written any checks and no one currently has permission to draft money from my account. It has been weeks and I havent gotten the account closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-25
Company: First Direct Lending, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
UNFAIR, DECEPTIVE OR ABUSIVE ACTS OR PRACTICES :  First  of all, I 've refinanced with First Direct Lending twice. I thought if I needed to refinance again, I would go elsewhere. I 've received several phone calls from various people with First Direct Lending and none with the " High Pressure Used Car Salesman '' attitude. Until I spoke with  XXXX   XXXX . This was by far, the worst experience I 've ever had,  XXXX   XXXX , Sales Manager, aka " High Pressure Used Car Salesman ''. The e-mail and voice mail message he left for me on  XXXX   XXXX ,   XXXX  , really made it sound like something was wrong with my current loan. It has been 7 months since the last closing and I thought whatever was wrong, why am I just now being notified. So, I called  XXXX  back, same evening,  XXXX   XXXX ,  XXXX  pst, to inquire further as to what was wrong with my loan and was informed of the following : " there is something wrong with the FHA  XXXX  No and FH A is refus ing to insure my current mortgage ''.  XXXX  was n't able to tell me what was wrong, but, according to  XXXX , " I could fix this by refinancing immediately ''. I informed  XXXX  that this was something I would need to think about and would get back to him. His comment was, " I need an answer now! '' Needless to say, I was the persisten t one a nd informed  XXXX  that I would phone back when I made my decision.     With the helpless feeling of what to do, I remembered that I was paying PMI on my mortgage. Where was those funds going? I called the servicer on my loan that same evening at  XXXX  pst and was assured there was nothing wrong with the   FHA Case No. and FHA was accepting the payments. Nothing had been rejected.
While having a conversation with an account officer   on  XXXX   XXXX ,  ( different institution ) it was suggested that I google the NMLS #. What I 'm seeing is he is active in 5 states out of 17. Not sure what 's going on with that.      A little bit about me : I work for a ba nk, Construction Lending. Wh ile I do n't have the extensive knowledge of putting a mortgage together, I do know when to question something that does n't make sense. CFPB needs to send  XXXX   XXXX  the strong message that telling customer 's lies falls under the " UNFAIR, DECEPTIVE, ABUSIVE ACTS OR PRACTICES ''. This causes harm! What if I had a medical condition? What would hearing this have done to me? A dditionally, we are just coming out of the housing crisis. We do n't need Account Officer 's ly ing to customer 's so the foreclosure crisis starts up again!

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