BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-30
Company: Credit Karma, LLC
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
On or around XXXX to XXXX I saw a Loy of pre approvals on Credit Karma. At first I didn't pay attention to the advertisements but Credit Karma kept sending me emails and all sorts of pre approvals telling me that I was pre approved for credit cards personal loans, and that I can refinance my car everyday I would see these offers when I log in to check my credit score. So after a few months of being told I was pre approved I thought I was in the perfect place to apply, I got so many offers through Credit Karma I started telling my familytqhe good news and we talked about vacations and investments we were going to use these pre approvals for. So I applied sometime in XXXX and XXXX for offers and I got denied for everything I applied for. I was distraught and very very angry and I felt deceived. I was marketed to for months from credit karma telling me I was pre approved, this was a lie, I was sevearly stressed I was XXXX  for weeks, XXXX  so bad, my XXXX XXXX went up. I became XXXX, my XXXX  went from 0 to 100. Now every time I see pre approval I immediately close my phone or shut off my computer.This has made me so uneasy and anxious that I haven't checked my credit as frequently as I should.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Rocket Mortgage, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was contacted the morning of  XXXX   XXXX  by a representative for  Quicken Loan s who said he wanted to see if there would be a way to save money on my mortgage that is with the company already. While talking he stated that to know my options he would have to get an updated credit report. I verified my information with the representative but never gave permission to pull credit. Afterwards I received an alert stating that I had a new inquiry on my credit report. I talked with the company and asked that it be removed because I never agreed to it and was told that by verifying my information I was agreeing to a credit pull and that Quicken Loans would not remove the inquiry from my credit report. The representative also pulled my wife 's credit that same day and at no point did my wife speak with anyone at the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: ONLINE Information Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After viewing a copy of my  credit report, I noticed a collection account placed on my credit report from Online Information Services  on  XXXX   XXXX ,    2013  for {$190.00} I am requesting that you let me validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name, and hospital/medical provider to which I owe the debt, and a detailed breakdown of th  e fees that I allegedly owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act { HIPAA }, to protect my privacy and medical records from third parties. I did not give my permission to any of my current or prior medical providers to release my medical information to a third party.
I am aware that the HIPAA does allow the release of limited information about me but anything more is only to be revealed with patient authorization. Therefor, my request is twofold-validation of debt and HIPAA authorization.
Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my identification used upon service and my signature with the provider of service to release my i   nformation to your company Online Information Services Cease any Credit Bureau until this debt has been validated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I became permanently XXXX XX/XX/XXXX. I am XXXX % service connected veteran and also on XXXX, I was forced in to bankruptcy. During the bankruptcy I signed an affirmation agreement on my XX/XX/XXXX XXXX and paid the balance in full. USAA has the credit report showing a charge off after a XXXX day late XX/XX/XXXX. First off a financial institution does not charge off anything for XXXX days, a XXXX day late is not a charge off. The payment was not even XXXX days late, due to the bankruptcy and reaffirmation agreement there was a mix up with the bank I believe. This loan was paid in full prior to payoff date even.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I called the bank. They told me I had fraud on my account, so they locked me out. I can not access my account funds to pay my Bills ( I even asked if I could just close the account ). Now every time I call they want to over authenticate me. I have told them that I would get on skype with them and show them my face and my ID ( Drivers license ) in person. I do n't trust their authentication methods to begin with because it seems that they failed to protect me when they where suppose to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-26
Company: Columbia Collection Service, Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On  XXXX   XXXX ,   XXXX   017 I  mailed dispute letters along with documents of proof to all  XXXX  credit bureaus,  XXXX ,  XXXX , and  XXXX  regarding  XXXX  collection accounts from Columbia Collections that did not belong to me. On  XXXX   XXXX     2017, I re ceived a letter from  XXXX  ( via mail ) and  XXXX  ( via email/online ) that they resulted in having  XXXX  of  XXXX  collection accounts removed from my credit report. Now mind you, these  XXXX  collection accounts belong to the same person  (    XXXX   ) and the actual person entitled to pay all  XXXX  debts is the same as well and only  XXXX  of the lesser debts were removed. I 've provided legal documents for my dispute, stating I am not entitled to any of these debts because the minor was not in my care at the time.     I 've contacted the collection agency , Columbia Collections , and they stated that I am entitled to pay by law ( If that 's the case why were  XXXX  of the  XXXX  accounts closed ), that they did n't know why the credit bureau is stating  XXXX  of the  XXXX  accounts are closed because it 's showing on their end that I still have all  XXXX  accounts still open and we would have to talk to a lawyer ( but I have a court order stating I am not entitled to pay those debts ). Therefore, the results is that they will not rid my information from any of the collection accounts.     So then I contacted   XXXX   regarding my conversation wit h Columbia collec tions and they stated that the collection company did indeed inform them they delete  XXXX  collection accounts and the  XXXX  one, they were claiming was " accurate ''. I even spoke with a   XXXX   supervisor and he said the same thing and they can not remove anything off of my credit file if the collection agency is claiming they have " accurate '' information and that I would have to deal with the collection agency and get a letter from them stating the  XXXX  collection account is deleted so they can remove it from my credit file or file a complaint with Consumer Financial Protection Bureau.     All in all, My social security was fraudulently and illegally used in the first place by someone who is not entitled to, and Now  XXXX   XXXX  will not remove my information from these debts or the  XXXX  debt and is illegally attaching my name to something I am not legally entitled to pay for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In  XXXX  My husband consolidated our student loans who were w ith   XXXX   XXXX    now sold to Navient.. At the time we secured the loans we were charged 9 % interest. So on  XXXX / XXXX / XXXX  we began paying extra on our loan to apply to the principle since it was taking so long to pay off. in  XXXX  of  XXXX  I found that none of your extra payment were applied to principle. When I inquired I was told that if there was still interest due nothing would be applied toward interest until interest was pay off. In addition since we were about to retire we looked into the public service forgiveness program. We both worked in the fields required for this program. My husband fo r the City o f  XXXX   XXXX  and I worked as a  XXXX   XXXX . We filed the necessary paper work had it approved by our employers and submitted it to Navient. in  XXXX   XXXX  we both received letters fro m Navient stating that we did not qualify for the forgiveness program with no explanation why. I then called Navient and was told that Stafford loans did not qualify for the program. We have paid on this consolidated loan for many years and am convinced we have repaid the actual amount many times over.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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:
I filed a compl aint ( Case n umber :  XXXX  ) and the debt collector agreed to cease the calls to my place of employment and yet they still keep calling from different numbers and they keep requesting copies of my credit report!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-26
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I bought a car in  XXXX   XXXX  from  XXXX  at  XXXX   XXXX   XXXX ,   XXXX   and w as approved by Santander consumer USA. Inc. for financing. After I bought the car but before reg istering the car in  XXXX  county,   XXXX   I relocated to  XXXX   XXXX ,  XXXX . I was informed by  XXXX  Dept. motor vehicle. I could not register the car in  XXXX  without proof of permanent residence. The end date for the temporary tag issued by  XXXX  ended my wife was stopped by law enforcement. My wife called the dealership to explain we did not have a permanent address to register the car. The business office informed my wife the temporary tag would be good for as long as we did not have a permanent address just to provide our bill of sale to law enforcement to prove we owned the car and that it was insured. Bottom l ine is Santander Consumer USA INC. rescind ed the financing for the car without any prior notice to me. I did not become aware of their actions until a recovery agent called me on behalf of  XXXX  on  XXXX   XXXX ,  XXXX . I am unable to get alternate financing. The agreement I had with  Santander w as in good standing the company had accepted every payment from  XXXX   XXXX  to  XXXX   XXXX . At no time did either   XXXX   XXXX   no r Santander advise me that if I did not register this car with a motor vehicle department that they would rescind the financing. I believed that since I was making payments on time that everything was in orde r.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DE
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
USAA Bank would not give me a legal department phone number to discuss a recent bank Levy on my veterans benefits. I advised them they were disregarding Federal Regulation as of XXXX XXXX 2011 that advises banks they can not garnish freeze or Levy an account in amounts of a government direct deposits. According to this regulation it is there sole responsibility and obligation once a garnishment notice is received to look back two month to insure there are no governments direct deposit for XXXX of any type to which can not be frozen and it is their obligation to notify the party that is attempting to freeze the account for the amount that can not be Frozen. USAA Representatives failed to pass me on to a supervisor advising they were not available and also they refused me any contact to their legal department as well as refusing to remove the freeze on my account of my veterans benefits which is the only direct deposit ever made since his account was opened

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: 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: Credit inquiries on your report that you don't recognize

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: EQUIFAX, INC.
State: WI
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   is inaccurately reporting payment information to the credit bureau. No payments prior to  XXXX   XXXX  should be reported for this account. The account was transferred from  XXXX   XXXX  in  XXXX  of  XXXX . All payments prior to  XXXX  of  XXXX  were made to  XXXX   XXXX  and are being reported by  XXXX  causing duplicate payment history and the credit bureaus double counting late payments when calculating the credit score causing the score to be lower by  XXXX  basis points. I have contacted  XXXX  regarding this issue and filed disputes with the credit bureau and the information is not corrected.     Original complaint  XXXX  was filed last year.  XXXX  corrected my credit reporting for all three credit bureaus and  XXXX  for my husband. When I contacted  XXXX  to indicate  XXXX  of the  XXXX  credit bureaus were not fixed for my husband, they then reverted my husband 's  XXXX  report back to the incorrect reporting and then started reporting his account under my son 's credit reporting ( son is a  XXXX   ). W hen I contacted them about this, they fixed the incorrect reporting on my son but never the incorrect reporting for my husband. I have been contacting them almost every month to get this resolved but they keep telling me either it is being reported ok or they have to place the account back in a dispute status to fix it which lowers our credit score  XXXX  to  XXXX  basis points. Each time they say it will take between 30 to 90 days to fix it. Should this not have been fixed within 90 days of the original dispute filed back in  XXXX  of  XXXX . The inaccurate reporting is causing my husband 's credit score to be lower by  XXXX  basis points. We know this because when  XXXX  was temporarily fixed the score went up by that amount. He wants to purchase a new car but wants his credit to be accurately reflected before it is pulled.     I have been trying to get  XXXX  to fix the inaccurate reporting for almost nine months. They have promised to call back and never do. They say they have to place the account in a dispute status which I do not understand when this information was already disputed, they sent me a letter stating it would be fixed, and they partially fixed it. I also do not understand how Equifax and  XXXX  can lower my credit score by  XXXX  basis points as soon as the account is put into a 'dispute ' status.  XXXX  lowers by  XXXX  basis points. If I am disputing inaccruate information on my credit report, why am I being penalized. And when the account is put into dispute it is put into dispute for both my husband and myself which affects both our individual credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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   is inaccurately reporting payment information to the credit bureau. No payments prior to  XXXX   XXXX  should be reported for this account. The account was transferred from  XXXX   XXXX  in  XXXX  of  XXXX . All payments prior to  XXXX  of  XXXX  were made to  XXXX   XXXX  and are being reported by  XXXX  causing duplicate payment history and the credit bureaus double counting late payments when calculating  the credit score cau sing the score to be lower by  XXXX  basis points. I have contacted  XXXX  regarding this issue and filed disputes with the credit bureau and the information is not corrected.     Original complaint  XXXX  was filed last year.  XXXX  corrected my credit reporting for all three credit bureaus and Transunion for my husband. When I contacted  XXXX  to indicate  XXXX  of the  XXXX  credit bureaus were not fixed for my husband, they then reverted my husband 's Transunion report back to the incorrect reporting and then started reporting his account under my son 's credit reporting  (  son is a  XXXX   ). W hen I contacted them about this, they fixed the incorrect reporting on my son but never the incorrect reporting for my husband. I have been contacting them almost every month to get this resolved but they keep telling me either it is being reported ok or they have to place the account back in a dispute status to fix it which lowers ou r credit score   XXXX  to  XXXX  basis points. Each time they say it will take between 30 to 90 days to fix it. Should this not have been fixed within 90 days of the original dispute filed back in  XXXX  of  XXXX . The inaccurate reporting is causing my husband 's  credit score to  be lower by  XXXX  basis points. We know this because when Transunion was temporarily fixed the score went up by that amount. He wants to purchase a new car but wants his credit to be accurately reflected before it is pulled.     I have been trying to get  XXXX  to fix the inaccurate reporting for almost nine months. They have promised to call back and never do. They say they have to place the account in a dispute status which I do not understand when this information was already disputed, they sent me a letter stating it would be fixed, and they partially fixed it. I also do not understand how  XXXX  and  XXXX  can lower my  credit score  by  XXXX  basis points as soon as the account is put into a 'dispute ' status. Transunion lowers by  XXXX  basis points. If I am disputing inaccruate information on my credit report, why am I being penalized. And when the account is put into dispute it is put into dispute for both my husband and myself which affects both our individual credit scores.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: WESTERN UNION COMPANY, THE
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On   XXXX   XXXX  , I attempted to send money to a friend in the  XXXX  through  Western Union , as I have done several times during the past year, with no problems at all. I have a online account set up with  Western Union,  never a problem, till this time. The transaction was for  XXXX  dollars plus the {$4.00} fee. They take my money from my bank account, then inform me my transfer is put on hold, pending me sending them a copy of my  pic  ID and other info, thru a fax or email with attachment, I do n't have a fax machine, or a way to upload a  pic  of my ID to an email. My friend needed the money right away, so I sent it to him by    XXXX   XXXX     with no problems whatsoever, I called  Western union  to cancel the transfer with them and to get a refund to my bank account, they refuse to do it, they STILL want the  pic  ID sent to them anyway, I talked to them 3 times, and also went to a branch office to no avail, it is MY money, I want it refunded, they have stolen my money and wo n't return it. I am on a low fixed income, I NEED the refund. Please, please help me!!! The tracking number on the transfer is  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: (Former)Shapiro, Swertfeger & Hasty, LLP
State: PA
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:
Upon being denied credit from a lender for " too many inquiries '' and later approved. I decided to check all of my bureau reports fo r accuracy (   XXXX ,  XXXX , and   XXXX   ) .The following inquiries were not authorized by me. None of these companies received any identification or authorization from me to pull my credit.     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX     XXXX   XXXX ,  XXXX

Company response to consumer: Untimely response