BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-05
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I never authorized a digital wallet account, it was closed when I requested it to be however I was still being responsible for the charges thur XXXX. The XXXX account was also closed due to fraud because of the charges that were not recognized .Then this escalated up to Chase bank where the charges were applied. Which at this point in time could not be rectified because of covit shut downs. After many attempts thur faxes and emails during covit I was still being told that I was responsible for the charges. This problem is occurring on multiple chase cards from the same company, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I am requesting that XXXX banker removed XXXX and XXXX 2016 hard inquiry of my credit report to many hard inquiry less than 30 days

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 2015-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was denied credit to purchase a car. I called XXXX, they apologized they were wrong, they should never have sent this. This caused us financial harm.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Yesterday I made a deposit on my account and today when I tried to login and check the deposit it showed my account was suspended when I a called the number I was transferred countless times to a back office operator who literally mistreated and treated me like trash and dropped my calls 3 times and when i would call back he would literally accuse me of hanging up the call, this person literally made notes on my account forbidden people to give me information and everyone i spoke with after this person was invasive and dismissive with me and worst yet the person closed my account and refused to explain to me what exactly happened. 

They literally humiliated me to the point i broke down crying begging for someone to speak with me with a grain of understanding and willingness to tell me and explain me whatever was happening.

They told me they needed to just confirm a few things but in reality that XXXX office person who closed my account and made false reports and notes I literally had an account one day and was using my card less than 24 hours later they closed my account and humiliated me i never in my life felt so mistreated and humiliated. im literally crying writing those words because thats how small and insignificant they made me fell and how they treated me. 

please i want to hear the calls and want to know what i did wrong to be humiliated the way they did to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: United Collection Bureau, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021, I sent a certified debt validation letter to XXXX XXXX XXXX requesting a list of information proving I owe this company debt. The company did respond on XX/XX/2021 but failed to properly respond to the debt validation letter as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have a problem with TransUnion. XXXX ( XXXX ) is merging with XXXX ( XXXX ). The merger is in progress and should be completed in XXXX. I have several accounts with the XXXX which are being transferred to the XXXX. TransUnion is reporting XXXX of these accounts in each bank 's name which incorrectly reports my outstanding debt and debt ratios TransUnion is reporting that I am using 40 % of my credit lines when the true number is about 20 % ). As a result, my credit score with TransUnion dropped XXXX points. I filed an email complaint with TransUnion and in response It apparently took each account reported by the XXXX and changed them to the XXXX. At the same time, it changed the accounts reported by the XXXX and changed them to the XXXX. The total number of open accounts did not change nor did the credit usage. I filed a new written complaint but there has been no correction. ( XXXX apparently did not make the same mistake. )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Credit Card company is USAA My primary Bank is XXXX XXXX Used my XXXX XXXX online Bill Pay to make payment to USAA. I have used this system many times to pay this bill and has never been a problem. 
Payment of {$250.00} was made on XX/XX/XXXX. 
Two weeks later, I received notice that my credit card payment was overdue. 
Checked my XXXX  account and saw where the money had been taken out of my account. 
Contacted USAA and they stated that they could not find the payment and that I would need to provide proof that payment was made. 
Uploaded a copy of the 'ACH Item Detail ' on the evening of XX/XX/XXXX to the USAA web portal. 
Contacted USAA XX/XX/XXXX to check the status and was told they could not locate the ACH Item Detail I had uploaded. They stated they would look for it. 
Received a call from USAA collections department the morning of XX/XX/XXXX. They stated my credit card was overdue and that if I did not pay the XXXX bill, they would be reporting me to the credit bureaus. 
Only after explaining they USAA had lost my payment and there was an active investigation did they bother to look at my account and see that there was a case. 
Called USAA the morning of XX/XX/XXXX. Was told that it would be a 'couple more days ' for them to resolve the issue. 
In the meantime, they have frozen the credit card and I can no longer use it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a premier checking account with HSBC in XXXX. I could receive a 3 % cashback with all my direct deposits within 6 months from the advertisement. However, when I checked with them today, they said I'm not qualified for the bonus. I believe I applied through the offer link, and I'm frustrated I didn't get any bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: SUNRISE CREDIT SERVICES, INC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sunrise Credit Services filed a report on my credit saying I owed XXXX  {$130.00} for XXXX XXXX  when Ive never opened an account or inquired/received XXXX  through XXXX. XXXX  also does not provide XXXX  XXXX  anymore so theres no way I would have been able to get it XX/XX/2021 as it stated.

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 2015-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I would like to dispute ( AGAIN ) Portfolio Recovery Associates , LLC for the matter of {$420.00}, Original XXXX. This account was removed from my credit report back in XXXX by XXXX XXXX and yet it is STILL updated as late as XX/XX/2015 to my credit report. Please correctly update you credit files and DELETE this account, finally, from my credit report. It was deleted and can not be reporting to my name any longer. The debt was settled for deletion. I would like this removed immediately, because I have disputed this account XXXX times since XXXX and NOTHING has been done to correctly remove it from my name yet. It was scheduled for deletion, according to this letter, in XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
[ I believe this account is reporting inaccurately. I do not recall having an account with this company. I don't think there is a legal contract between this company & myself. I would like you to provide me verifiable proof this account belongs to me. I request a signed contract which will demonstrate a legal agreement. Please delete. ]

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX This account in inaccurate, and then incomplete. 
1. Has an Incorrect Pay Status, and should Paid/Closed XXXX Balance 2. XXXX says was opened XX/XX/XXXX, and Closed XX/XX/XXXX 3. HAS Balance History for the duration of the time the account had been CLOSED through XX/XX/XXXX 4. HAS Payment History for the duration of the time the account had been CLOSED through XX/XX/XXXX 5. Is incomplete and inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-05
Company: Nelnet, Inc.
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
THE DEPT OF NELNET is continuing to to Violate my Consumer and Civil rights. I sent them a Debt Validation request on XXXX XXXX. They did NOT send me any original documentation required under section609 ( a ) ( 1 ) ( A ) and section611 ( 5 ) ( A ) of the FCRA, While they are still continuing to report this unverifiable, erroneous account on my credit report. They are required by Law to promptly delete this account from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I recently have ask you to show me permissible purpose that I allowed many of the creditors that you are reporting hard inquries on my report to be allowed to report the inquiry under the Fair Credit Act. I 'm asking you to show me, full documentation that the inquries belong on my credit report. Not a response with an answer of you believe that it was permissible purpose. The credit report showed a credit inquiry by a company ( s ) that I do not recall authorizing. I understand that you should n't be allowed to put aninquiry on my file unless I have authorized it. Please have thisinquiry or inquries removed from my credit file because it is making it verydifficult for me to acquire credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I wrote and corresponded directly with XXXX and was told the account was closed with no penalty to me as per the contract which requires XXXX days notice and cancellation allowed for medical reasons. I also sent a letter to collection agency XXXX XXXX XXXX and never received reply. Now I see it 's still on my credit report. How do I get this removed?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The original loan was in my brother 's name XXXX XXXX account # XXXX. My brother died in XX/XX/2020 but I took up the payments on the car loan. I was asked to provide a death certificate to the loan company. This info was sent to BridgeCrest as requested and I continued to make the Monthly payments on the car loan. 

On XX/XX/XXXX the car was repossessed in XXXX at the home of my deceased brother 's and my sister home, although I have been making payments continually every Month.

My bank ( XXXX XXXX ) filed a fraud complaint with this company over the money that was paid and was being drafted out of my checking account. I was able to recover only 2 Months worth of payments even though I have made well over 9 Monthly payments to this company. 

I want a FULL REFUND of ALL monies paid and I have electronic receipts as proof of all payments to this loan. This company is engaging in unfair business practices if they are accepting Monthly payments yet still repossessed the car! I want the car OR a FULL REFUND of my money no other resolutions will be accepted! 

I have previously spoken to a representative from BrideCrest by the name of of Ms. XXXX  who stated that she was a 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 2017-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Per my last dispute TransUnion stated that they would remove the inquiries that were pulled without my knowledge, however when I checked my credit report they 're still XXXX inquiries that were supposed to be removed that was n't. Please look at the company 's response for this complaint # XXXX. 

1. XXXX-XX/XX/XXXX XXXX AUTO- XX/XX/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 2021-08-05
Company: PNC Bank N.A.
State: AL
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:
On XX/XX/2021 XXXX reported an alert on a XXXX balance closed account from XXXX XXXX  180 past due in error. The account was originally held by XXXX XXXX. We contacted XXXX and they stated it was sent over right so the error was with XXXX. So we filed a dispute with XXXX and they removed XXXX but did not remove the late notice. So the action was incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: Strategic Alliances, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I was notified by a mortgage lender that I owed {$50.00} in a medical debt that had been turned over to collection First Financial Asset Management ( XXXX ). I had received neither any bills nor any phone calls from either the original creditor or the collection agency. They had sent to a prior address where I had not lived for four years and I had given them the correct address when being checked into the emergency room in XX/XX/XXXX. They also had my correct phone number on file. Over several days, I tried repeatedly to obtain the information regarding the debt from the original creditor, XXXX XXXX. After many conversations with XXXX XXXX, Ms. XXXX XXXX with XXXX XXXX ( XXXX ) indicated that she would authorize the collection agency to remove the debt from my credit if I paid the {$50.00} to the collection agency. On XX/XX/XXXX, I spoke to Ms. XXXX XXXX  with First Financial Asset Management and Mr. XXXX XXXX with First Financial Asset Management. They indicated that if I paid the debt, the collection would be removed from my credit report. I paid the {$50.00} immediately. I was asked to send an email to Ms. XXXX ( she gave me her email address ) and she would send me the XXXX control number to confirm the removal had been sent to the credit bureaus. I did not receive that information and followed up today to obtain the evidence the information had been removed from my credit report. I received a return call from Ms. XXXX XXXX  that she was wrong and the information could not be removed from my credit report. I asked to speak to her supervisor. She indicated her supervisor, Ms. XXXX XXXX, was on a conference call and I could leave a message. The practices of this company are deceptive and this information should be removed from my credit report. 

Following is evidence of the email sent last week : Acct # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thu, XX/XX/XXXX, XXXX XXXX  ( 7 days ago ) to XXXX, me Good afternoon Ms. XXXX- Per our conversation earlier today, I have paid the {$50.00} owed to FFAM for a XXXX XXXX medical bill and that collection account will be deleted from my credit reports. 

Please forward the XXXX  control number ( evidencing deletion of the collection ) at your earliest opportunity. 

Thank you for your assistance in this matter. I really appreciate your professionalism and willingness to work with me to resolve.

Kind regards, XXXX XXXX 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 2015-07-30
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I 've paid back my loan plus {$8000.00} interest. The variable rate has started and stayed at 8.5 % ( the highest rate ). I 've asked why it has n't changed at all and they said " it 's based on the market ''. What the XXXX is that supposed mean??? The market has been horrible and great in the last 9 years and it has n't changed at all. I feel like I 'm getting scammed. I 've paid back my loan with interest and I still have {$28000.00} to go. I initially started with a {$39000.00} loan. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I paid a collections company to settle this account in XXXX. The account should have been closed with a XXXX  balance at that time. 


Somehow XXXX reopened the collection process with the same account number that was previously settled. 

I have attached the original letter from the collection agency ; the payment history from XXXX showing the amount of the settlement and a XXXX  balance in XXXX. Then in XXXX XXXX began the collection process for the same account. You can't collect on a previously settled account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
bank of america fraudulent practices and lies are back again.after they change the original contract, they have change it to their own benefits. in XXXX the sent mea new payment much much higher than I can afford they gave me now my home insurance its cheaper it went from {$1100.00} to {$97000.00} my tax for this year and my tax for this year I will be {$1000.00} as you see they still keep making my mortgage payment higher, even my principal is higher. they gave me a loan modification knowing about my XXXX but they are taken advantage of my situation,

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 2016-02-08
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I was told I had defaulted on my private loan with navient and I was in discussion with the loan recovery department. I spoke with a XXXX XXXX XXXX several times, in which I still have voice mails from, and she informed me that the only option I had was to pay a {$1000.00} down payment. Once that was paid I would be able to enter a repayment plan for either {$50.00} or {$100.00} each month. I proceeded to pay on the {$1000.00} payment and I was informed I could start my {$100.00} payments beginning in XX/XX/XXXX. Once XX/XX/XXXX came, I could n't no longer get in contact with XXXX XXXX XXXX and they said she had left the company. Now I was in talks with a gentleman named XXXX, whom said I could still begin my payments. So we setup the automatic drafts from my checking account. Now, on several occasions he continually told me my payments were being returned from my bank but my bank was telling me that there were no signs of the payments coming through. I would inform navient of that and at that point navient would send the payment again and it would be approved by my bank. Well my last payment was shown approved on my navient account but navient said it was sent back and my account is being sent to a collection agency now. I honestly feel my payments were tampered with on purpose and I never received the opportunity to properly start my repayment plan. I understand that the loan was in default but I honestly was trying to repay in the best possible way I could. I have my payment records which show I was starting to make regular payments and I stayed in contact with navient but it never seemed like they were interested in helping. I honestly want my loan to be brought of default status or at least be allowed to make the payment arrangements. If you all can help in anyway, I will greatly appreciate it. Thanks

Company response to consumer: Closed with explanation