BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-16
Company: Experian Information Solutions Inc.
State: MI
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-Date Opened XX/XX/XXXX Amount {$540.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX Amount {$23.00}, XXXX -This account is over 7 years old and I would like it removed because it defies the statute of limitations. 

XXXX XXXX XX/XX/XXXX Amount $ XXXXThis account is over 7 years old and I would like it removed because it defies the statute of limitations XXXX XXXX XX/XX/XXXX Amount $ XXXXThis account is over 7 years old and I would like it removed because it defies the statute of limitations XXXX XXXX XXXX XX/XX/XXXX Amount {$75.00}

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 2016-08-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
I am in the process of purchasing my first home. On XXXX XXXX 2016 I received the Closing Disclosure for my mortgage application. The Closing Disclosure indicated a change in the " Calculating Cash to Close '' section in the " Adjustments and Other Credits '' line item. In the Loan Estimate I received on XXXX XXXX 2016 this line item indicated " {$0.00} '' and on my Closing Disclosure it indicates " {$840.00} ''. 

While I was prepared to absorb some additional cost this was a shock. Section K of the Closing Disclosure I received indicates this adjustment is due to " Items Paid by Seller in Advance '', specifically prorated Town/County Taxes. The prorated taxes for the seller are required to be disclosed on both the Loan Estimate & the Closing Disclosure in accordance with 12 CFR 1026.37 & 1026.38, however, were not included on the Loan Estimate I was provided. 

Since the Loan Estimate I received was non-compliant with 12 CFR 1026.37 ( h ) ( 1 ) ( vii ), and the official interpretation in Supplement I ( XXXX ), it does not seem fair, and possibly illegal, for USAA to require me to pay for an adjustment that was not disclosed on my Loan Estimate. The seller is certainly entitled to prorated repayment of their property taxes, however, the lender should pay at this point in the process since the closing date was already established when I received the Loan Estimate. The lender certainly had enough information to estimate this cost and they did not, waiting instead until we are within a week of closing and putting us in a very difficult position, it feels like we are being extorted. 

The above situation is my primary concern. It is also worth mentioning that the difference in estimated Cash to Close between the Loan Estimate and the Closing Disclosure appears to just be an increase of 7 %, however, it is deceptive of USAA to present this information in a way that makes their initial Loan Estimate for Cash at Closing seem even remotely accurate. By their calculations it appears the Cash to Close only increased by {$130.00}, however, this is only because the seller agreed to pay an additional {$1000.00} closing costs. When this correction is accounted for the actual increase in Cash at Closing increases by approximately {$1200.00}, this is a 69 % increase on the Closing Disclosure above their original Loan Estimate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: EQUIFAX, INC.
State: IL
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 had a " soft pull '' of my credit done by a lender that I am considering for a mortgage. Upon reviewing the copy of my credit report I noted an issue noted by two of the major credit reporting agencies. The reports state that one of the " Key Factors that adversely affected my credit score '' is that there have been " Too many inquiries in last 12 months. '' Who is pulling my credit to cause this? I have not applied for credit cards, cars, etc. I am very concerned about identity theft as a result in addition to being miffed about my credit scores being affected. 
Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: Alliance One, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received a correspondence on XXXX/XXXX/XXXX from collection agency on a red light camera ticket from XXXX, apparently issued by XXXX County, NY. They can provide no information regarding the debt, including payments already made. When I called to inquire, the responded that they did an audit and found accounts that still owed fees. I expressed my concern that they could n't provide any information regarding payments I made in XXXX, and that this occurred almost three years ago. In addition, when i indicated that I would speak directly to XXXX County the ticketing entity, she replied they wo n't help you, they will just send you back to us, but go ahead and call them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06
Company: C B Merchant Services
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
CB Merchants of XXXX XXXX California was contacted by XXXX XXXX, me, to ask about an " advertising '' debt that I wanted to pay. It was at this time that they said I had a debt with XXXX. I was surprised to find out that the account had been there since XX/XX/XXXX. I was not aware of the account. They never contacted me prior " me calling them. '' They also have an ex-wife 's name on the account who has not been associated in anyway with me financially sine XX/XX/XXXX. They were rude and have not provided me with an accounting. XXXX has not provided me with an accounting either even though I made payments to them and provided them with amounts, dates and check numbers. This is extortion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: PNC Bank N.A.
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My banking institution, PNC Bank, initiated a debit memo from XXXX account ( herein referred to as " Acct XXXX '' ) in order to fund my other account ( herein referred to as " Acct XXXX '' ) in order to bring Acct XXXX closer to a positive balance. In that process, PNC Bank caused Acct XXXX to go into overdraft for other transactions and charged XXXX overdraft fees. Now XXXX accounts have negative balances. I believe that this practice is unjust. I am attaching screenshots of Acct XXXX and Acct XXXX showing ( XXXX ) the debit memo, posted transactions and overdraft fees in Acct XXXX and ( XXXX ) the debit memo credit posted on Acct XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-17
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Since XXXX of 2020, I've been asking SunTrust for help with multiple account and BillPay issues. In response ( retaliation? ) for me pointing out how incredibly difficult and useless their 'customer service ' systems are, they opted to close my accounts. 
I have an open dispute with them for {$560.00}, there are multiple fees charged that need to be removed, and there was money in some of my accounts that they have not returned to me.

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 2017-03-15
Company: Bridgecrest Acceptance Corporation
State: DE
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I was 13 days late on a car payment, the company reprocessed my vehicle without any notification.

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 2016-08-22
Company: J J Marshall & Associates, Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have sent JJ Marshall Associate letters notifying them that I was a victim of identity theft and that this account is a result of the identity theft. I have asked them to send me proof that this debt belong to me and I have not received anything from them. I know that they can not produce anything because the debt is not mine and was not authorized by me. I need your assistance in getting this matter resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
All the information in attached file, shown " Unknown ''. 
Creditor : Unknown Type : Collection Balance {$290.00} Payments : N/A, none or Not available If that collection is mine, I need to information to pay it.

Company response to consumer: Closed
Consumer complaint received 2021-02-17
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We were in the process of buying a studio apartment and were planning to go with our regular/trusted mortgage broker who had already pre-approved us for the loan we needed to buy this property. The builder however had Citibank mortgage as their pre-approved lender. We were asked by the builder to go with Citi as they would work easier and the approval would smoother and low-risk. 

We gave our SSN, paychecks, bank statements, W2, previous year tax document and multiple other documents - Our interest rate was also locked and at that time we gave a 5 % non-refundable deposit and removed the contingencies. We had a closing period of 60 days. 

Now, 3 weeks before closing Citibank has declined our loan application - We were communicating with them as some of the income numbers were missing in their calculations. They suddenly decided to send a notice of cancellation which has left me with the risk of losing the deposit money, I have already sold several items from my departure property. 

I would have gone with my preferred lender if I was lead to believe by both Citibank and my builder that I had to go with them.

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 2016-11-07
Company: Bridgecrest Acceptance Corporation
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My husband made a loan modification in the beginning of XXXX 2016 to bring the account current. Since then he has made 4 on-time bi-weekly payments as per the loan terms. When we disputed information reported to the credit bureaus in XXXX, the credit bureaus stated that they received information from the lender on XXXX XXXX, more than 30 days after bringing the account current, that my husband was still 60-89 days late and had not made a payment since XXXX. This is hurting his business very badly as it is for his work truck which is having problems and we need to trade for a more reliable vehicle and it is also preventing him from being able to obtain business credit. ( It is also hurting us regarding buying a home which we are in the process of qualifying for. ) The lender is aware of this as they were informed of this in XXXX and advised me they would report it current within 30 days ; they have yet to do so. I do have a letter on their letterhead dated XXXX XXXX that my husband is current, but they have not reported it accurately to the credit bureaus. I have evidence of our dispute with XXXX wherein they informed us the furnisher states the information they provided, that my husband was 60-89 days late and had n't made a payment since XXXX, is accurate. It is now XXXX XXXX. I believe they are in violation of the FCRA and we will sue as a result, and seek attorney 's and court fees, but this still needs to be amended immediately and recorded accordingly.

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 2021-04-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My problem is they keep reporting me as living at a former address and now list my current address as the formal. So when ever I apply for credit or anything that tries to verify my address it comes up as a problem. My current address is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX ... They have my previous as current on Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal recently froze my account for 180 days for absolutely no reason. I tried to reach them but to no avail, they did nothing about it. This has influenced my freelancing hustle a lot till I heard of you. I feel hat this coming from you will make them do their job better, and clear the misunderstanding. The email linked to my Paypal account is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
By my mistake I made an online bill payment ( Through PNC Bank ) paying one bill in lieu of another. I attempted to place a block or stop payment online while the funds were still " pending '' status but the online system told me to contact customer service to continue. I placed a call to PNC Customer Service whom advised although my account online said the money was " pending '' the money was in fact out of my account and with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: AMERICAN EXPRESS COMPANY
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:
I have reported to both American Express and first premier bank that this account was re aged and that this in accurately reporting is hurting my credit in harmful way.ive tried to resolve this violation of my rights under the fair reporting act. XXXX  and XXXX  shouldnt allow American Express to repot a closed account be re aged with out an investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: Alliance One, Inc.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Information was given to XXXX by AllianceOne, a debt collection agency. AllianceOne was contacted and agreed that the debt was not mine, but insisted that they could do nothing about it. I stated that they gave the info to XXXX and they should be the one to inform them that the info was incorrect. They stated that I would need to dispute it with the Credit agency to have the info removed. I spoke with the agency and they said I needed to go to the reporting business. When I informed them that I had, they then said they would need a letter from the reporting firm. Typical catch XXXX there is no winning. Even though I disputed the info with XXXX it has not been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-02
Company: CAVALRY INVESTMENTS, LLC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I repeatedly asked for verification of this debt to prove that it was indeed mine. I have net received any proof that this is my debt. All that is sent to me is a previous bill that was issued. Once a fraudulent account is open of course there will be a bill generated that dies not provide verification that the debt is valid. Please delete from all credit reporting agencies at once and stop violating my rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-16
Company: Centron Services
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
put a medical bill in my name, i have no account from XXXX  XXXX  XXXX. this account belongs to my wife not me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I opened this account last week online, my card was delivered today. I activated it and attempted to use it and at the atm for {$400.00} and it declined. I called the number on the back of the card and now Im told I cant pass otp verification even though this is my only number and the number I signed up with on the account for. Yall literally have credit card settings on a XXXX debit card this is my money not yours! Your not lending me anything

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 2017-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
inaccurate information in violation hippa, cra file id theft and police report to XXXX police dept XXXX case number

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 2021-02-17
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: Tower Loan of Mississippi, Inc.
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Our payment is due on XXXX, they begin calling as soon as XXXX days after that. Our payment has never hit XXXX days, yet the call constantly to my phone, my wifes, my sister. We have requested in writing no phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Sarma
State: AP
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I got a call from my dad saying that an agency called SARMA a collection agency with XXXX contacted him. They discussed that I owed a debt of XXXX dollars or more without my knowledge. They thought they were speaking with me I take it. Its embarrassing and causes stress when Im out and about and I had to have a family member tell me someone is trying to get money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I had sent money to a XXXX XXXX XXXX who posed under a false name XXXX XXXX thru XXXX totaling {$1900.00}. They were sent in payments of {$950.00} on XX/XX/XXXX & XX/XX/XXXX in order to secure an apartment for rent and were supposed to be the deposit and first month 's rent. I've sent tried to contact the scammer, XXXX and Fifth Third bank but was unable to reach an answer or a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: Jones, Robin & Robin, P.C.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
My husband owed a debt to a certain bank which unfortunately we had to stop making payments on because of his financial situation. He is & has been on a fixed income since 2005 ( XXXX, XXXX funding ). He was served a summons of garnishment from a creditor in the county we live in. My complaint, in the state of GA certain funds are exempt from garnishment, XXXX funds just to name a few. Our bank protected his XXXX funds however they did not protect his pension or workers comp deposits from being garnished and this is the only income provided to him to manage, take care of our entire households survival. What I want to know can we sue our bank for not protecting these funds? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Used automated robocalls to call up to twice a day but usually once a day likely in violation of the Telephone Consumer Protection Act ( TCPA ) and FDCPA and local laws.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation