BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-19
Company: Comerica
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I receive government VA XXXX benefits that are loaded to a Direct Express debit card issued by Comerica Bank. I was recently incarcerated and my account was therefore locked. While incarcerated, my sister, who is my power of attorney, attempted to work with Direct Express to access my funds to cover my living expenses and they stated that they would not release the funds because I was in jail. In no contract or agreement anywhere online or in physical possession does it state that a beneficiary of VA XXXX benefits shall be rejected coverage while incarcerated, so that is my XXXX issue. 

I was released from XXXX XXXX jail on Tuesday, XX/XX/XXXX XXXX and immediately upon release, I contacted Direct Express at XXXX to unlock my account. They XXXX requested proof of release and I faxed the documentation to XXXX. I followed up on Wednesday, XX/XX/XXXX XXXX and Direct Express confirmed that they had the fax, but now they needed XXXX forms of picture identification. Since I currently have no money, I walked to a printing company and faxed XXXX forms of picture identification. I called again today ( XX/XX/XXXX XXXX ) to follow up and they said, " we do n't need XXXX forms of picture identification ; we only need the proof of release '' and much to my surprise, now they DO NOT have it and that it takes up to 6 business days to obtain the proof of release that I faxed on Tuesday, XX/XX/XXXX XXXX. I asked to speak to a supervisor and the person hung up on me. I called back, explained my situation again, asked to speak to a supervisor, was put on a long hold, and the same representative by the name of " XXXX '' stated that a supervisor is unable to speak to me until Direct Express receives my faxed proof of release, which could take up to 6 days. He hung up on me after I further questioned their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30
Company: Progressive Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have on two occasions asked for the company to validate the debt in question and to prove that they have a right to collect the debt. In response, they have sent only screen shots of an old account from someone they claim to be the original creditor.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: AMERICAN EXPRESS COMPANY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was in XXXX for XXXX XXXX and I was victim of XXXX, I send to the company all the proofs that thats really happens and also of the police report, they have in my statement the stuff that I buy days before and the thieves take it, is been 5 months since I made the claim and always they have a excuse to no give me money back, they answer one month after every time they need some documents for me to make this longer. I send it!! But today was to much, they ask me for the receipts and how I will get that after 5 months!??? Im tired because I send all the proofs and its no fair they say to have that benefit and dont give it to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-27
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: Information belongs to someone else

Complaint:
These accounts are fraudulent and need to be terminated from my credit report as soon as possible. I am a victim of identity theft and did not make these charges whatsoever. Please remove these alleged accounts as soon as possible. I reported this and have also included the multiple FTC Affidavit that lists then fraudulent accounts. Please delete these alleged charges/accounts as they are causing a substantial amount of harm and inconvenience to me as consumer. I XXXX XXXX am making this complaint, last time you guys tried to say I was a third party. Please remove these accounts as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
My vehicle was unlawfully repossessed ; I made a {$1300.00} payment and the company representative said I paid the wrong loan. I attempted to pay through accessing the account on my bank application, but the computer application would not allow me to change the amount. I called and spoke with a representative to make a payment of {$800.00}, but they said the minimum they could accept was {$1300.00}. They allowed me to make a payment arrangement which the letter included shows ; I paid more than {$800.00} and they still took my vehicle. The vehicle had heated seats which assist with my mobility ; I am a XXXX XXXX veteran with XXXX XXXX, and a number or other limiting conditions to my XXXX XXXX. I have banked with USAA for over 18 years, but they attempted to get me to pay off a collection agency after they took my vehicle. The XX/XX/XXXX letter they sent me said I owed money and when I called they attempted to transfer me to XXXX an outside collection agency. I didn't default on the terms for the modified loan which says you can lose the vehicle after 8 weeks of non-payment. I had been it communication with them, and even paid including late fees. It is reported on my credit the modified loan was 6 weeks late, not 8 weeks. They did not send me any notice before hand of their concern to take the vehicle. 

I need to find employment, and they need to remove XXXX and all other collection agency reporting from my credit reports with all bureaus. I would also like money returned to me to assist me with purchasing a replacement vehicle. They are causing hardship because the negative reporting is making my insurance costs higher, negatively affecting my credit, and employability.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: Ocwen Financial Corporation
State: TN
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
During the year of 2014 I had a home owned by Ocwen Mortgage Services and who was also the home mortgage provider. But things began to go downhill, I could no longer afford to live in the home so I placed a request for a deed lieu and it was accepted. So I payed my last mortgage and was informed that I has been fully alliviated of my debt and it had been removed off my credit record. But I have recently yet to find out that the home is still on my credit records and is holding me back, I ca n't complete any finacial doings such as : loan consolidation, buying a vehicle or home, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: AFNI INC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: AL
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 Account # 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 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 2022-04-14
Company: Experian Information Solutions Inc.
State: TN
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 reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 Account 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 602 A states : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-10-27
Company: Lima One Capital, LLC
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They gave me a loan for {$100000.00}. They kept {$46000.00} in escrow. They are taking me to court for for {$100000.00}. When it was all said and done I only received {$12000.00}. They are trying to foreclose on my house when they never gave me the the full loan. In short, they still owe me {$46000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: 1ST ALLIANCE LENDING, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
1st Alliance Lending, LLC ( a Connecticut Limited Liability Company ) retained my notary closing services for FHA CASE : XXXX on XX/XX/2016, for borrower 's XXXX. 1st. Alliance retained XXXX, and said companies have failed to remit payment for notary closing services. The amount of {$95.00} remains unpaid. 1st Alliance as a regulated lender has a fiduciary duty to ensure their service vendors are compliant in their business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: AES/PHEAA
State: TN
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:
Fedloan and XXXX reporting delinquent and it is not delinquent been placed on hold per President 's request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have been trying to open a new bank account for almost two years now. I keep getting denied. The issue happen in XXXX 2015 my bank account was compromise by a scammer. I reported the issue to bank of america. I wrote a handwritten letter and went to visit the bank in person also and made a report. I received my XXXX XXXX report and it says that bank of america reported me for fraud activity. So I assume that that 's the reason I cant get a bank account. Am not sure why they are blaming me for the incident. When I clearly reported it soon as it happen. So am trying to see how can I resolve this matter and get this remove so I can open up a bank account. Please help 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 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance with the Fair Credit Reporting Act XXXX ACCT # XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # 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 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 2019-11-06
Company: SYNCHRONY FINANCIAL
State: NC
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Called Synchrony bank regarding opening 3-cd 's and before the matter was finalized the accounts were opened and the funds were transferred from my savings account. I told the account manager during the telephone call that I had a business call and would get back with him ; however, he opened the accounts. I tried on the same day to get the matter reversed, but the account manager hung up on 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 2017-12-13
Company: EQUIFAX, INC.
State: MA
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:
Equifax is reporting 2 public records both for {$0.00} and both items does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXX  account numberXXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act XXXX  Account # 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 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 2022-04-14
Company: EQUIFAX, INC.
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:
In accordance with the Fair Credit Reporting Act XXXX ACCT # XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX BANK ACCT # 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 2015-04-08
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I need assistance with my mortgage company Ocwen Loan Servicing. I am a XXXX XXXX XXXX veteran and a resident of Georgia. I have been paying my mortgage by automatic bank draft ( XXXX XXXX XXXX XXXX ) for over XXXX years now However, Ocwen is saying they have not received payments from me and are threatening foreclosure. I have attached a copy of my payment history which shows that I have been making payments. Also I am unable to file my taxes because they have not listed the correct amount of interest I paid on my loan. I have included the loan number for your information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX bank account number-XXXX  XXXX XXXX XXXX XXXX BANK XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHAPTER XXXX BANKRUPTCYXXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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 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 2016-09-15
Company: SUNTRUST BANKS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I started a refinance with Suntrust in XXXX of 2016. They were very unresponsive, Unprofessional, and down right rude while servicing my loan. So much so that it has taken over 3 months for them to process my refinance. I was told several weeks ago that the loan was done, they had everything they needed and that it was ready to close. Due to this information and differences with my employer I left my job 2 weeks ago thinking this would be closed the next day. Today XXXX/XXXX/16 I was told that my loan was denied due to unemployment. The entire process took too long and their communication during it was horrible. I have email strings where I ask for updates but i do not receive anything for a week. Life can change in 3 months and due to their incompetence it was not processed in a timely manner. When I asked to speak with a manager to resolve the issue/ try to find a work around i was transferd to a line and disconnected me. When i called back the line was busy and had to have a cs rep dial me in to speak with my loan officer who was rude.

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 2016-04-23
Company: SUNTRUST BANKS, INC.
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I had filed a chapter XXXX and discharged my mortgage debt. Suntrust is filing on my credit late payments on the mortgage. The mortgage should show discharged. Suntrust is n't following current Bankruptcy rules for debt collection.

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 2020-04-02
Company: EQUIFAX, INC.
State: AR
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:
I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. 

DEPTEDXXXX  XXXX {$4500.00} XXXX XXXX XXXX {$0.00} DEPTXXXX XXXX {$1100.00} XXXX  XXXX XXXX {$420.00} XXXX XXXX XXXX   XXXX {$430.00} XXXX XXXX XXXX {$550.00} DEPTXXXX    XXXX {$3500.00} XXXX  XXXX {$9500.00} XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX {$130.00} XXXX XXXXXXXX {$1300.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$63.00} XXXX XXXX   XXXX {$300.00} XXXX   XXXX {$440.00} XXXX XXXX {$4500.00} XXXX  XXXX {$6000.00}

Company response to consumer: Closed with explanation