BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On several occasions I had the funds available in my checking account to pay a debit, but USAA would send it back and charge me a {$29.00} NSF then I would also get a {$20.00} to {$40.00} dollar charge from the vendor. I have emails showing the money was available in my account, but they sent the debit back against their policies so they could charge the fee. This is the third complaint and each time they just send their deposit agreement, but fail to show my available balance was below what the debit was. I plan on closing my account due to all the issues I have had with them charging unjust fees. One date that I still have the emails with proof saved for is XX/XX/19, three different fees of {$29.00} each. I attached this proof below. There were several others, but these are the ones that I definitely have the emails saved for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Dovenmuehle Mortgage, Inc.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Dovenmuehin mortgage company in not posting my payments on time to get late fess from me. I call and as them why they did not cash the check they never got them. After I sent them with video proof. And now there are trying to raise my payment on a XXXX XXXX  XXXX XXXX a month and saying I am more behind then what I am. I have recorded all calls and this is stopping me from a refinance. And cosing me time stress and loss of money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: EQUIFAX, INC.
State: PA
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:
I am filing this complaint on.Act 15 USC 1681 Section 602, 604, 15 US Code 1681A, 1666B

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
I have sent numerous letters to the credit bureaus in response to some incorrect information found on my credit report to which the credit bureaus or the creditor have yet to respond. My initial request was sent in XXXX of 2021! I have since sent XXXX follo ups to which neither the companies or the credit bureau has responded. This is violating my consumer rights. I would appreciate some help with this matter, thank you.

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 2017-04-15
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
In XX/XX/XXXX, I found out about the Public Service Loan Forgiveness ( PSLF ) program and transferred my direct student loan back to the DOE from XXXX to participate in the program. I was in IDR repayment with the IBR ( income-based repayment ) plan and making payments regularly with direct debit. I am set to reach my 120-payments ( 10 years ) in XX/XX/XXXX. In XX/XX/XXXX, I married which increased my payments. I had topped out in my payments under the IBR due to the increase in my joint income following marriage and was paying {$530.00} a month. I was set to have less than {$1500.00} to forgive at the end of my PSLF repayment period. 

I called FedLoan, my DOE loan servicer, on a matter related to my annual employment certification form and was " advised '' by the FedLoan representative to switch from the IBR plan to the ICR ( income contingent repayment ) plan as I would save {$140.00} a month due to my being married and filing jointly and, thus, would have more to forgive at the end of 120-payments. I was skeptical after my past experience with XXXX and other loan servicers. After discussion with my spouse, I decided to go through the extensive process to switch my repayment plan from IBR to ICR so I would have a bit more balance to forgive. When I received my paperwork from FedLoan, my payments had increased {$160.00} a month instead of decreasing {$140.00} per month -- the direct opposite of what FedLoan had promised. Now it is likely I will have no balance to forgive. 

When I called to complain, I was told there was nothing to be done and a supervisor I spoke to all but admitted I was purposefully mislead so I would have nothing to discharged under the PSLF program. I expected such deception from XXXX, who failed to inform me that there even was such a program for 3-years until I heard about it in a new article, but it is demoralizing and infuriating that DOE would allow and perhaps encourage FedLoan to mistreat borrowers who have sacrificed to work in public service so egregiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: TIDEWATER FINANCE COMPANY, INC.
State: MS
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:
Unauthorized inquiries own my report, requested XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: EQUIFAX, INC.
State: UT
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 mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: General Motors Financial Company, Inc.
State: WA
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:
There were suspicious hard inquiries about my credit that I did not authorize. It happened XXXX XXXX and XXXX. I was at work on those dates but I received a notification that there were changes on my credit report thats why I log in to my account. I saw that there were atleast 7 hard inquiries from different companies that I did not authorize. That is unlawful and that is illegal viewing of my finances. I never gave authority to any body to view my credit, especially without my knowledge. It was for car loan credit inquiries. I went to XXXX car dealership in XXXX and spoke to the manager. I told the manager that they run my credit without my permission and I really wan na complain about it. I told them that its a serious matter for me and I felt very threatened and furious of what happened. It could be identity theft and I was so sleepless for two nights because of that. I was told by the manager that somebody represented me on my behalf and told them that shes my nom. They ran my credit without my consent for several times without even double checking and asking for my ID. I really felt that these companies violated my privacy and rights. I am so afraid and XXXX off right now at the same time and I wan na take this in legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-29
Company: Firstsource Business Process Services, LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I agreed to a debt settlement with First Source for an outstanding amount due to XXXX. I was informed that my last payment of {$300.00} did not go through. I did not have a credit card on me at the time to resubmit the payment in. I called back with the credit card information and never heard back from the Company. I figured that took care of it because I never received written notice that there was anything wrong with the payment I called in. I even went onto the XXXX site and it showed the {$300.00} posted. That was why I did not think anything was wrong. I received a letter from a new collection agency, XXXX XXXX XXXX, stating that my debt was transferred over to them for the full amount. I called First Source and was told it was no longer in their files and to call XXXX. I went to call XXXX and was told to call the new collection agency for more information. The new collection agency was the one that informed me that the {$300.00} did not go through and now I owe the FULL amount. I was told they could not do anything about it and all they know is that the file is now with them to collect the entire amount. I called XXXX again and was told to call back to the collection agency, XXXX XXXX XXXX, since there was nothing they could do.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Still reporting bankruptcy that the court have removed from under my name and its hurting my family well being.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX XXXX is reporting inaccurate information on my credit report. Company was unable to provide or validate the debt and has not removed the inaccurate information.

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 2019-12-17
Company: STERLING JEWELERS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: SUNTRUST BANKS, INC.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as  possible and confirmed to be correct. Thanks!

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 2017-08-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
We had a tax lien on our report from XX/XX/XXXX. InXX/XX/XXXX the lien was paid. The lien was not released untilXX/XX/XXXX. Please see attached documents that show paid and release dates. It also mentions cancelled from record. These have already been removed from all three bureaus, this is still showing up on my Equifax and XXXX. Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: GA
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/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that 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 data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: WELLS FARGO & COMPANY
State: CA
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: Information is incorrect

Complaint:
I received a 1099R from Wells Fargo Bank, N.A. for interest income paid on an account that I do not own.

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 2021-12-13
Company: DISCOVER BANK
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: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX I sent a notification to DISCOVER STUDENT LOANS certified mail ( XXXX XXXX XXXX XXXX XXXX ) and it was received on XX/XX/XXXX. DISCOVER STUDENT LOANS has now been notified of a billing error pursuant to 12 CFR 1026.13 ( e ). I have asked DISCOVER STUDENT LOANS to correct this billing error and put them on notice that I invoke my right as a consumer to withhold all past present, and disputed amounts pursuant to 12 CFR 1026.13 ( 1 ). I have also notified DISCOVER STUDENT LOANS, that they can not and shall not restrict nor limit nor cause any disruption of any manner of the account in question pursuant to 12 CFR 1026.13 ( 3 ). 
DISCOVER STUDENT LOANS may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of the Affidavit sent to them. DISCOVER STUDENT LOANS is in violation of 18 USC 1341 and has participated in racketeering activity as defined in Title 18 USC 1961. DISCOVER STUDENT LOANS has 15 days from the date of receipt XX/XX/XXXX to provide an affidavit response with a rebuttal, point for point otherwise I am conditionally accepting their non-reasonable response, as frivolous, and I will file fault judgment in the favor of the interest of I the consumer, holder in due course, attorney, and administrator in fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: Westlake Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I paid {$8000.00} down in cash {$3000.00} down in trade in and when the first payment came due I was a few days past the 10 day late period due to helping my mom with travel to her XXXX treatment. I made the first payment with no issues the representative didnt say a word and accepted the payment, at the end of that week I got a call from the dealership saying my loan was canceled and that I would need to return my truck. I called Westlake financial only to find they infact canceled the agreement prior to my initial payment. When asked where in the agreement it states that they can do this they refused to answer I stated that state law shows that even after 10 days after the repo I can bring the account current and reclaim my property they refused to reverse the process and my truck was picked up and is now on it's way to auction. I have lost {$11000.00} and left with no vehicle because of their scam.

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 2019-12-17
Company: DISCOVER BANK
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: Account status incorrect

Complaint:
My credit card reported a late. I am not sure if this is an accident or system glitch. 

It was reported by XXXX XXXX, Discover and XXXX  the Dept Store.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX PORTFOLIO RECOVERY ASSOC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim ( Collection account of {$940.00} was charged off ). This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: CITIBANK, N.A.
State: SC
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, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish a account without my instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit card plan as late for purpose.

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 2017-04-17
Company: Ditech Financial LLC
State: NH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ditech financial formerly Green Tree, denied our modification request as we are in a. hardship. They dragged their feet with the process for almost 3 months claiming that they did n't receive XXXX or XXXX paper that they we re sent. We kept record. SO in turn they denied us and now we are REALLY screwed our scores went down so low we ca n't even qualify for anything, what do we do

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: Windham Professionals, Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I terminated my auto insurance contract with XXXX XXXX XXXX XXXX earlier this year when they raised their rates. My insurance agent assured me several times that the contract had not been renewed for the new term and my policy was cancelled. Now a collection agency is trying to collect a balance on the closed 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 non-monetary relief