BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
This complaint is for USAA debt collection practices. I sent USAA & the 3rd party collection agency they hire a do not contact letter regarding my XXXX charged out accounts usaa will ignore my letter and when the collection company has to stop by law USAA will transfer the debt and a new collection company will start harrasing me again through another " 3rd party '' USAA truly sucks and will not stop and continues to transfer the debt and updating the date on my credit report to keep it on longer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
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:
XXXX 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 explanation
Consumer complaint received 2019-10-21
Company: LoanCare, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our account with XXXX is transferred to XXXX Loancare. The first statement XX/XX/2019 shows an unapplied balance of XXXX and a payment due amount of XXXX. I call to double check his as my usual payment is XXXX. I am told she will find out that i should call back another time because she cant call me back. I call back 2 more times and get same response. I make the normal payment. XX/XX/XXXX statement requests normal payment and shows the amount of XXXX as paid. Next i get a bill for an escrow shortage of XXXX. I call and i am told that a check in that amount was mailed to me but they dont know why. I explain that i did not get the check. I am told that research on this will be complete by XX/XX/2019. I call back on XX/XX/XXXX and am told research should close in 3 days. I call XX/XX/XXXX and am told that a copy of the check has been mailed to me. Told that the check has been cashed and that she will email me a copy by Thursday XX/XX/XXXX. I call back on XX/XX/XXXX and this person immediately emails me a copy that is not legible. She says it is endorsed by my husband. She can not tell me which city it is cashed in. Transfers me to a supervisor who suggests i file a police report. I contact local police financial fraud dept who says They will help but seems surprised that the mortgage company suggests this. They will also need a copy of the check. I call on XX/XX/XXXX and after not getting an answer to 3 calls, i submit a formal complaint through their website. I call again on XX/XX/XXXX and this person says the work order request was closed, that they possibly did not send the check to me because it was voided and put back in my escrow. I am told there is no legal dept i can speak with and no way to expedite getting more information. On XX/XX/XXXX i get an email saying that my request has been sent to the cashiering dept. the reference number that is given is the same one that i was previously told was cancelled. Today. Is XX/XX/XXXX and i have still not gotten a copy of the check and the amount of XXXX. Has not been put into escrow. 
I have all dates and times of these calls as well as the name of the people I have talked to.

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 2019-12-31
Company: Home Loan Center, Inc.
State: NY
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:
Company named lending tree use my personal info without my consent and send promotional offers to my email since I opted out from receiving any emails offer from them and I noticed that the fraud my first name and abuse my personal information including my email 's I CONTACT THE COMPANY TO STOP SENDING MESSAGES OR OFFER BY ANY MEANS. 
COMPANY NAME INFORMATION LENDING TREE XXXX XXXX XXXX XXXX NOT NC XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: Experian Information Solutions 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:
I sent dispute letter back in XXXX then again in XXXX but no changes this is destroying my life. There are too many loopholes and stategies in the system I am XXXX citizen Father of XXXX who works extremely had for everything I have today. This Collection was placed months ago but with work and not monitoring the credit I didnt Know of it. I believe this could have been one of my fellow family members using my information but I personally never lived in New york. This account is not mine simple, information on the account is the following : XXXX XXXX Date opened : XXXX XXXX Status date : XX/XX/2021 XXXX charge account-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 2017-07-25
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Someone has opened an account with  BBVA Comp ass bank in my name of witch i did Not authorize. i have made a police report and started credit monitoring. I do not have or ever had any account with  XXXX . i called them on   X/XX/17  and  they said they would call me back, they did not. I got on a conference call with my  XXXX   XXXX   XXXX   XXXX   XXXX  and  BBVA can celed the call, we tried calling back with no success.   There was charges applied by whoever opened this account and i have received letters, bank statements, and even a ATM  XXXX  card in the mail.   I am not responsible for these charges or this account, please help resolve this matter, Thank you,  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
After being harassed at a Wells Fargo location for not wearing a mask by police officer, I was forced to go to another location and I ended up leaving my card in the ATM machine! 

Then when I tried to get a replacement card they did not send it in the tone frame I requested! I asked him to send an expedited service so that I would get it immediately he said it would be here within XXXX business days which is way too long. 

Then he hung up in my face I tried to get a new representative to correct the error and they told me that I have to call back another day to have my card replaced. 

First due to the Wells Fargo error I cant get my card until Tuesday now and I was actually harassed by a police officer forcing me to wear a mask over my face just to go into a bank to get my own money!

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 2020-10-06
Company: EQUIFAX, INC.
State: OH
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:
XX/XX/2020 This is the 3rd time I have complained about this issue, I have filed my complaint in XX/XX/2020 I never received any response back or any of the requested legal documentation. Please be advised that I and filing a complaint with both CFPB AND FTC. 
THIS WHOLE ISSUE IS STOPPING ME FROM CLOSING ON MY NEW HOME! The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. IT IS WELL BEYONG THE 30-60 DAYS! After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature  on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX # XXXX XXXX/XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX US BKPT CT OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I have SS numbers showing on my file that do not belong to me XXXX, XXXX PLEASE DELETE NOW! My employer is XXXX XXXX My name is XXXX XXXX XXXX XXXX please delete any and all other variations of my name they are not accurate!! This is my only number XXXX All other telephone numbers are not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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:
On XX/XX/2020 my back of America account was closed on terms of suspected fraud. I deposited a {$1200.00} check from my XXXX XXXX   account to my Bank of America and they put a 7day hold on it. I asked the branch manager to cancel the deposit and I will deposit it in cash the next morning in the branch manager. She said she couldnt cancel it since it was a atm deposit but it shouldnt matter it just wont go through. She did not give me the correct information which lead to my account being closed for suspected fraud. This is impacted my business tremendously. I can not open an account with another bank because Im in XXXX  XXXXBank of America gave me wrong information and its impacted my businesses future. No money was lost.. I would like Bank of America to reporting remove this suspected fraud from my report expeditiously. Please and 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 monetary relief
Consumer complaint received 2022-01-22
Company: EQUIFAX, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Numerous accounts reported on all three credit bureaus that I do not recognize. I have alerted all XXXX credit bureaus of this activity. Equifax refuses to remove .Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
TD Bank became my mortgage servicer on XX/XX/2021. I am unable to use TD Bank 's online banking services to monitor my account without opening another checking or savings account with TD Bank. These other accounts are not free as they require a $ 10 monthly service charge or minimum deposit. In effect, my mortgage account is being held hostage by these predatory banking practices which require me to open an account to monitor my mortgage account. I have attempted to contact TD Bank at the local branch level and through XXXX customer service. Local branch service does not know how to solve this problem and XXXX customer service transfers me to the mortgage department whose mailbox is always full. I do not believe it should be a requirement to open another account to access my existing accounts. I did not have a choice in who became my mortgage servicer and I now believe that TD Bank is engaging in predatory banking practices. 

It is very clear from the screenshot from the attached online banking signup webpage that TD Bank requires an ATM card linked to a checking/savings account in order to use online banking. I am being locked out of monitoring my mortgage account to include accessing my tax forms associated with my mortgage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-25
Company: Experian Information Solutions Inc.
State: MO
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:
Since XX/XX/XXXX, I have disputed the inaccuracy of my payment history (XX/XX/XXXX ) for all XXXX of my federal student loans to the credit reporting agencies ; XXXX and Experian ( XXXX  has followed FCRA laws and updated my account information ). my dispute investigations keep resulting in verified account information. This ca n't be accurate and I am questioning the validity of the verified account information because I have documentation that illustrates I was granted a forbearance period for my federal student loans for the period of XX/XX/XXXX-XX/XX/XXXX in which Experian has it reporting a 90-120 day late payment status. If my accounts were n't current during that period, I wouldn't/could n't have been granted a forbearance period.This information is not correct and per the FCRA [ section 623 ( a ) ( 2 ) ] ANY updated account information must be reflected on the credit report. It is also the Credit Reporting agencies responsibility to ensure that all credit reports are 100 % accurate, in which my accounts are not. A Forbearance period marks your monthly payments as current while you are not paying on your loans and mines are n't reflecting that. I ca n't have late/missed payments and be on forbearance simultaneously. My forbearance grant should be updated and reflected on my credit report. I spoke with a XXXX XXXX XXXX  rep by the name of XXXX ( ID number XXXX-information in attachment ) at XXXX Eastern time onXX/XX/XXXX and she informed me that the dispute process was a 60 day process and that my dispute was still under progress ( would be completed at the beginning of XXXX ). She also stated that once the dispute process was complete the disputed information would be corrected, updated, and reflected on my credit report. I have attached documentation that illustrates that I was granted a general forbearance period for the time frame that Experian and XXXX is reporting missed payments. This hassle of back and forth with the credit reporting agency and XXXX XXXX has caused tremendous financial suffering due to no fault of mine.

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 2017-07-25
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have tried to resolve this problem with experian credit bureau I have disputed a number of inaccuracies on my experian credit from wrong address to wrong names, and old accounts that are close or paid in full still reporting on my credit report I have spoken to numerous customer service representative and to no avail experian representative refused to remove anything from my report even with documents I have fax over I need wrong address remove wrong names to be remove and closed of and paid in full accounts to be remove immediately

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 2022-01-22
Company: JPMORGAN CHASE & CO.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am having an issue adding my partner onto our Chase business banking account. XXXX XXXX is telling me the only way to add him would be to close down the account and reopen the account since we live in different states. Looking to have him added to the existing account by us both going into our respective Chase branch locations. Seems like they are trying to get additional new accounts versus just correcting the accounts that are open now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: Waypoint Resource Group, LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection agency, WAYPOINT RESOURCE GROUP, suddenly appears on credit report as of XX/XX/2022. 

XX/XX/2022. - opened dispute with XXXX to investigate inaccurate collection. Estimated completion time was expected XX/XX/2022. 

XX/XX/2022 - XXXX day later, XXXX says they Verified debt was mine, but does not provide any information to me as to how they verified the debt was mine, as it is not my collection debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have auto-pay set up with Navient for monthly withdrawal from my checking account. However, they did not withdraw money on the month of XX/XX/XXXX and XX/XX/XXXX. I called Navient and they stated that the money did not get withdrew due to the holidays. Now I am paying an increase of {$6.00} and I believe it is not longer a 120 months pay schedule.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: Selene Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am seeking assistance as I feel I am being taken advantage of by my current mortgage company. In 2019, my husband and I experienced a financial hardship as a result of our daughter needing XXXX XXXX XXXX. We were behind on mortgage payments as a result of medical expenses. I requested a loan modification through Selene Finance. Their modification ended up being more than my current mortgage payment which I could not afford. In XXXX of 2019 I took out money from my XXXX to pay the full amount that I owed Selene and to get us up to date. When they recieved that payment, they told me it was not enough to bring me up to date, and I owed them XXXX additional payments. In XXXX, I took out more money and paid them a lump sum again. The following month I sent my mortgage payment early so that I would continue to be up to date. Mysteriously, they did not receive my payment. When I called them to inquire about it, they told me it must have been lost in the mail. Their representative told me to contact my financial institution and put a stop on the check ( which I did ). The same day I went on their website and paid my monthly payment. Amazingly the following day they happened to find the check that was lost and they told me to stop payment on, and they attempted to cash it which resulted in a bunch of fees for me as well as now being recorded as another missed payment. As a result, I can never get up to date with this company. In XXXX of that year, they restricted my use of making payments online so I am no longer able to do that. In addition, the company never pays my property taxes on time, or if they do it is not for the full amount. Recently my mortgage payment has gone up by several hundred dollars and I am not sure why as the company is constantly charging me what they refer to as advanced fees. Also, during the month of XXXX I sent them my monthly payment which they returned because I did not add in their additional fees. I sent them another check for the entire amount which was returned to me again stating that I must now submit all payment via certified check. This company makes it impossible for people who were in a bad financial situation to get caught up and be up to date on their mortgage payments. I feel as if the company is designed this way. To constantly keep you in debt. As a result, I have terrible credit and can not even switch to a different mortgage company as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: NV
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 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 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