BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-30
Company: EQUIFAX, INC.
State: CA
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:
There is one account on my credit report that does not belong to me it is not mine I have not applied used or know who did this under my name or signed or used this account I need this off my credit report asap!!!! 

XXXX/XXXX  - Account # XXXX Amt {$2200.00} Opened XX/XX/2012 2012

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
USAA is in the practice of : Depositing personal checks via their mobile app. 
The funds are deposited and the app will inform you the funds are available immediately. 

USAA then claims the right to place that deposit on a funds hold at a later date without any kind of notice. The consumer is required to check back in at any random time to find funds are no longer available for use. 

I will then write a personal check to pay a bill, and that check will bounce. I 'll look to find that my money is no longer available to me. My bank has made some unexplained determination that they will hold funds for 10 days. Because my funds were not available they charge me an NSF fee three times. After asking for an explanation, I 'm told there is none, but that I 've agreed to this policy. 

Then they release my funds after all three attempts have been made. 

I find this practice to be fraudulent because I 'm given notice that they have my funds and I 'm not given any notice that they will be held at some point. USAA then takes an action that results in their keeping my money as a result of the arbitrary action they 've taken. This seems very corrupted to me. Despite their claim that I 've consented to this system of abuse, I believe the matter is larger than just my individual experience.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: KEYCORP
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
on XX/XX/XXXX I was at Key bank locatedXXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX who I deal in this bank for over 15 years offer me their Credit card and told me if I spend {$1000.00} in the 1st 60 days I will get {$150.00} & 2 % for all my purchas. I complied with the promotion, and called about my money, they told me will take 60 days. I called again in XXXX was told in 90 days I will get my {$150.00}. Called several times this month and went in person and XXXX XXXX told me I don't see the promotion that she offer me and they are trying to resolve the situation. I was told she will call me with a resolution. No calls back no money in my account. I did not need any additional credit card, I was mislead to get key bank cc. 
I been a client in this bank for over 15 years and do not appreciate lies. 
I do believe if she make a mistake the bank still should be responsible for what i was promise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-14
Company: Social Finance, Inc.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Applied for forbearance with SoFi via servicer ( XXXX ). Docs were sent on XXXX and I did not receive written decision as of XXXX/XXXX/2016. No explanation was provided within 30 days and as a result my loan is close to default ( 120 days ) .The lender, SoFi , did not respond within the time frame ( 7- 14 days ) described within their forbearance request policies and procedures ; 33 days have elapsed. Upon inquiry with the servicer, They noted I did not engage with their career services department. This was not noted as a requirement or contingency for general forbearance, and as a result I believe my request was rejected. I only learned this through a conversation with a Servicer Representative and not in writing as requested. As a result my credit continued to be impacted negatively and my loan is at risk of falling into default. I am willing to pay but at the moment lack the ability.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
i submitted a letter to all 3 major credit bureaus for deletion of accounts reported Pursuant to 15 USC 1681b-Permissible purposes of consumer reports In general Subject to subsection, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it I, XXXX XXXX have never given XXXX, XXXX, or transunion any written consent to reports anything on my consumer report. No consent is identity theft pursuant to 15 USC 1681q ( 3 ) and i demand the removal of the accounts listed in the letter sent out.

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 2021-07-30
Company: Northwood Asset Management Group
State: OH
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 received several harassing phone calls as have my family and my employer. I contacted them to ascertain and ask for actual information to be sent via mail to my home to be sure the charge/debt is legitimate. They became hostile and refused to provide any information and about the actual debt owed. They then started to call and harass both my siblings along with calling me at work and calling my past employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Student loans were consolidated with XXXX XXXX, at which time a graduate payment schedule was set up. The servicing of the loans was transferred to XXXX XXXX and then to AES ( current servicer ). AES 're-disclosed ' ( AES term ) my loans, which changed the originally agreed payment schedule. This change made by AES ultimately extends the term period and charges more interest than agreed with XXXX XXXX. On XX/XX/2017, I contacted AES and filed a compliant, explaining that this is a violation of UDAAP and possibly Reg Z. I was told I would hear back in XXXX business days. On XX/XX/XXXX, I received no correspondence from AES so I placed another call. I spoke with XXXX different levels of Customer Service Rep. and they all told me there was nothing they could do, because their system was unable to accommodate the initial payment schedule.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am not liable for this debt with XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and I do not have a contract with LVNV FUNDING plus they did not provide me with the original application like I asked. 

account number : XXXX amount disputed : {$970.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: EQUIFAX, INC.
State: NY
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:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2021 Credit Acceptance reported my payment for the month of XXXX as late when I had a billable credit card on file with the company. 

The issue is I was directed to put a card on file for automatic billing and I was advised I " could '' use a credit card not a debit card. 

I followed instructions by placing a credit card on file only to have this form of payment rejected. I was not notified about the rejected payment and or the late payment until after the 30 day period. 

The issue is that I was told by a representative on XX/XX/XXXX that a " credit card '' was a sufficient form of payment and that it could be added to my profile. 

My complaint is I now have a late payment on my credit report which ruined my credit and any chances of purchasing a home I already had under contract. 
I lost the home and the mortgage pre approval and my credit score dropped over 100 points.

i reached out to Credit Acceptance via there dispute process and was denied any validation and or correction of the error and consideration of removing the " Late Payment '' in good faith. 

My payments were current before and after this incident and I have suffered a great loss due to this error on their part.

Credit Acceptance needs to post acceptable forms of payment in their online website payment portal.

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 2015-12-04
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: WV
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Will not disclose information needed to settle medical bill. 

I have been contacted by RMCB regarding services rendered at XXXX. 
I have requested information regarding this claim to no avail. 
We have medical insurance that will cover this. 
If they are not able to submit the claim, they will need to provide me with all the information needed to do so. 

Thanks and XXXX Bless You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: SECURITY CREDIT SYSTEMS INC
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I received many phone calls from this company security systems in regards to a student loan account that was from XXXX college, ( I actually have XXXX accounts, but they are both being serviced throught XXXX, under the united states department of education ) I sent letters, and spoke with XXXX on the phone, I also faxed over the information that this account is serviced under the united states department of education and is being serviced through XXXX, through the wage garnishment department but the phone calls continue, even after i furnished the information to XXXX I wish to have this account updated to have this security credit systems company removed from my credit report, with an explanation and to stop calling me about this XXXX college account. thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: Global Credit & Collection Corporation
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We continue to get automated calls from LEADING EDGE XXXX at our number, although we are new customers assigned the phone number.

Company response to consumer: Closed
Consumer complaint received 2016-03-16
Company: First Data Corporation
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
My check was declined with a local merchant as a result of Telecheck. When speaking with their representative, I was met with individuals with a strong foreign accent. However, I could cope with that more so than I could the fact that they were unable to give solid details on why the check I wrote was declined. I understand that this company is meant to protect merchants. But my checking account had the funding available. They inform me that my driver 's license was connected to an account at a bank that I have never frequented. In fact, there is no bank of that name in my city. In my efforts to the have the issue resolved, I was hung up on once. But as I continued to call back I was met with some very professional individuals who explained more clearly what was transpiring. However, my ultimate concern is whether this company should be merging the efforts of guaranteeing checks and debt collecting within the same umbrella. When the two purposes are merged into one, you have chaotic experiences like this one. While I have never had a checking account with the alleged bank in question, I am being treated as a fraudulent person. There is no rational reason for denying my check with thousands available simply because of an account with another bank. Even if I had that account, would n't it be feasible to simply contact me about it rather than create a massive issue via denial of my active checking account. This is not a credit issue. This is my money which I should effectively be able to spend at my leisure with any vendor. I am not confident in this company 's operation and I certainly am not confident in their ability to follow through and effectively investigate the matter as they claim they will. After about an hour of communicating, I am pretty confident that they will not adequately handle this situation and I may have to resort to a lawsuit with them and the vendor. They were unable according to the representative to provide any pertinent information about the alleged account. This is a direct violation of my rights as a consumer. I required full disclosure of the information for which they had on file as well as details on the account that triggered my denial. However, they were unable to provide and instructed me to complete a form so they could begin an investigation. The company has already taken adverse action against me by denying the approval of my check. The investigation should be required before action is taken is the method most suitable for the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: Commercial Acceptance Company
State: PA
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:
Commercial Acceptance Co still has a debt balance of {$180.00} listed as an open account on my credit report, as of XX/XX/XXXX. The debt was paid in full XX/XX/XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
After first communication from XXXX for {$13.00}, called as they suggested if I could n't afford to pay. When I called they said very quickly " I did n't qualify and had to pay ''. After that received DAILY letters threatening me with reporting to credit agencies. Wrote them numerous times stating I was XXXX years old, am judgment proof ( last letter certified and I have receipt ), yet letters and phone calls continued unabated. Hospital takes blood and I do not know where it goes. I have no say in the matter. They continuously threaten to discontinue services. As if it could get no worse, they have now handed it over to a debt collection service ( American Medical Collection Agency ) who began with their threatening letters in addition to XXXX. They are making me sicker than I am by their continuing harrassment. I do not answer my phone and have missed important calls in connection with my health. They know full well my age and health. The phone and mail is driving me crazy. Please make them stop or let me know what action I can take against this unscrupulous operator who has spent more on calls and postage than the money they claim I owe. Paperwork can be furnished on request. PLEASE HELP!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This company is currently showing late. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Late fee

Complaint:
PayPal Smart Connect and Synchrony advertise that a payment can be 24/7 with a live agent. On XXXX XXXX and XXXX, 2016, I attempted to make a payment at the number provided on my billing statement, XXXX, which number answers as " PayPal SmartConnect '' and not Synchrony. The recorded message said they were closed at teh hour I was able to call. On XXXX XXXX I called to complain and was told I would not be charged a late fee and I made the payment due. On my next statement, I was in fact charged a late fee of {$35.00}. I was told that as an apology for charging me a late fee wrongfully, Synchrony would not only credit me {$35.00}, the same amount as teh fee, but also return all my interest for the month ( {$50.00} ). I waited for my online balance to update to make the payment due on XXXX, concerned because again a weekend and holiday would be involved. At XXXX XXXX XXXX the very kind rep had told me that I still had to pay the late fee on or before XXXX. When I explained in detail ( which she said she relayed to her supervisors ) that I was not satisfied because 1 ) Synchrony was demanding payment of a late fee that it openly acknowledges I do not owe, 2 ) Synchrony included the wrongful late fee in my balance and appears to be charging interest on it, 3 ) My credit high balance is being misreported to credit agencies because they have included the {$35.00} in my overlimit balance after their admission that I do not owe it, and 4 ) even if the {$35.00} is refunded to me my records of " Late Fees Year to Date '' and the number of times my account incurred a late fee are intentionally being reported erroneously as they include XXXX 2016 and -- the agent said Synchrony Bank WILL not correct those matters, only they will return the late fee once paid. I am asking for 1 ) correction of my records with PayPal Smart Connect and Synchrony, 2 ) correction of my high balance and late fee information on my statement and reported to any credit agency or any other person internally or externally, 3 ) damages for having to send hour on several phones calls trying to resolve this, interest on the {$35.00} I should not pay, and the cst of checking all credit bureaus to watch what they have reported and if they correct it 4 ) Clarification to ALL customers of the limited hours available to make a payment by phone with a representative and the effect of payments due on weekends and holidays..

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 2021-07-30
Company: Troy Capital, LLC
State: NJ
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: Investigation took more than 30 days

Complaint:
The originally lender XXXX XXXX who I initially was in debt with, sold company to Troy capital who then continued to keep the credit inquiry active when it shows the account was charged off from 2015 which is over 6 years old by now. The original lender who I was contracted and financed through aka XXXX XXXX passed this to troy capital who continues to hold this debt and injure my credit when it has been charged off for six years and solidified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX XXXX BREACH AND XXXX HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation