BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
We applied for a mortgage with USAA. They repeatedly lost documents we sent to them. They sent us confusing and conflicting requests. For example instead of saying 'can we have a lease agreement for your rent ', they asked us for bank statements, then those bank statements were n't good enough, then they asked for a letter from the landlord, not good enough and so on. This happened with pretty much every bit of requested information. Their 'notice of incomplete application ' was inaccurate as it included many of the things we already sent. We would try and call 20+times a day and got no answer. They could n't read XXXX orders ( despite being a bank for service people ), they could n't read the condo pack that contained the flood insurance and instead claimed we failed to purchase it. As the Power of Attorney for my fiance as he is at sea and has sporadic internet connectivity I was not contacted ( despite chasing the application up for weeks ) until 5 days before the notice of action was due to expire. I asked for management to contact me, they refused. I reported it to Social Media, who apparently escalated the complaint but it was ignored. Finally I got in touch with a wonderful man who processed my complaint and also went through my application and realised that we had everything that was being asked for ( most of it was forwraded again as they had previously been sent but misplaces, misfiled or misread by the processors ). It was the last day to get everything signed off before the application would be closed. The manager of the processing team assured this agent that she would call me. She then messaged him to say she would in the morning and would deal with the outstanding documents. Instead of doing this she proceeded to close the application. We are already a week over out closing date and now are likely to be up to 45 days over again as we reapply, possibly again with garbled explanations of what is required, poor communication, lost documents and issues with us being overseas ( something that would n't have been a problem had they processed things properly. We have been thoroughly mistreated and as a result not only face stress and financial hardship but will potentially lose our earnest money and even our home, thanks to their handling of this matter.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: FIRST ADVANTAGE CORPORATION
State: SD
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 belongs to someone else

Complaint:
I have applied for a job at XXXX and received a letter in the mail stating I was ineligible for the job due to information in my consumer report. After looking at my consumer report I received in the mail, I noticed the letter contained my twin sister 's name as well and not just mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft. There are fraudulent items on my credit report that need to be deleted. I did not make these changes. These fraudulent items need to be deleted off my credit report. This is hindering me from advancing in life.

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 2016-07-06
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was a XXXX bundle customer and I have terminated my contract prior to XXXX XXXX, XXXX due to a transfer of residence. Months after, I got calls from a collection agency for XXXX saying hat I owe them {$100.00} and some change for services rendered on XXXX XXXX, XXXX to XXXX XXXX, XXXX. For an address that I am not living in anymore. They are charging me for services we did not use. When we called them about it, they said they will fix it and make sure it 's taken care of. Today, XXXX XXXX, XXXX, I am applying for a new lease for a new property and that amount shows up in my credit report, essentially increasing my deposit requirement!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03
Company: EQUIFAX, INC.
State: GA
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:
Iam a natural person, iam a living human being, I have rights under 15 USC.

Equifax is govern by 15 USC 1681. They violated my rights numerous of times. I demand the accounts listed below be removed because.

According to 15 USC 1681 : I have the right to privacy and I did not give Equifax permission to furnish these accounts. 

Accounts XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I went to close my account, but they did not allow me due to open charges that have not been posted, I do not have overdraft protection. If i had no money to cover charges, money should not have been dispersed. I am now being charged additional fees for them paying bills when there was no money in the account to cover, multiple times. If I am held accountable legally if I write checks that bounce, how can a company do that for me, unauthorized ( no overdraft protection signed up ) and they were well aware at the local branch i visited that I was closing my 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 monetary relief
Consumer complaint received 2016-03-01
Company: Ditech Financial LLC
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I filed a complaint with Consumers Financial Protection Bureau ( case number : XXXX ) on XXXX XXXX, 2016 that I received a letter from my bank, Ditech that they are going to foreclose on my house even though I was working with them on loan modification. CFPB sent me a message that Ditech asked for an extension in responding to the complaint. Before responding to the complaint filed with CFPB and while in the middle of a loan modification, they put my house for sale at an auction and it was sold to XXXX. I really need your help as soon as possible. I want to work with the bank, I do n't even know what to do now. Whenever I call the bank they respond that they do n't understand whats going on and they need more docs for the loam modification. I message was posted on my account after the house was sold that they are looking for XXXX documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Experian Information Solutions Inc.
State: FL
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-01-05
Company: U.S. BANCORP
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a credit card with Elan Financial Services. My complaint is regarding their payment structure. When you make a payment, the payment is applied to lowest APRs, including promotional APRs, then to higher APRs. This is only disclosed on the initial balance transfer and not even displayed on the credit card statement or as part of their minimum payment warning. So when I made a balance transfer with a promotion of 0 % APR for 18mo, I was not aware that all my payment where not being applied to the Purchase, which resulted in the purchase amount owed to increase significantly and now I owe more than the initial amount charged. They also dont allow you to make payments to the higher APRs, which is a complete rip off and defeats the whole purpose of the balance transfer with 0 % for promotional period. This payment structure is deceiving and is set up to only benefit this institutions by allowing they to rack up interest significantly overtime and theres no way out of it unless you pay the full amount.

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 2016-12-01
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
in 2007 I refinanced my house for 15 years with XXXX XXXX XXXX, my payment is {$2100.00} for principal and interest only, I have not escrowed since 2007, I pay my own insurance and my own taxes since then with no issues. I have received noticed of an escrow analysis that was performed on my account recently, I 'm pretty sure there is a mistake as this particular servicer has been making them ever since they took over a year or so ago, I do not engage with them as they never know or claim to not know what is going on. please help, as per my closing documents, I DO NOT ESCROW. thanking you in advance for your cooperation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: Ditech Financial LLC
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently paid off home loan due to re-fi. with other lender XX/XX/2016. I over paid on escrow account. I received a letter from Di tech advise of over payment and that I would receive a hard copy of refund check in mail with in 20 days. I never received this check I called DItech customer service center twice in month of XX/XX/XXXX. I was told that I would have wait 30 days to have them reissue check. I called in XX/XX/2016 advised that I still have not received over payment of escrow check. I asked for supervisor to complain was told that Ditech would reissue another check within XXXX business hours. It is now XX/XX/2016 and I still have not received this escrow refund check for over payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10
Company: Ability Recovery Services, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This company, ABILITY RECOVERY SERVICES , LLC was found on my credit report and I did not receive any 30 day notice, any disclosure to my physical address. They do n't have a court order, verbal express consent or written consent with my authorized signature to report on my credit report. Ultimately resulting in Defamation of Character.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-15
Company: Experian Information Solutions Inc.
State: TX
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: Received unwanted marketing or advertising

Complaint:
Experian sent a " Sign in to confirm your car '' email claiming " There is a car that matches the info in your Experian membership. Sign in to confirm it's yours and check out free auto benefits. '' Upon logging in, they showed me a set of cars that might be mine and asked to send my data to insurance companies. 

I don't own a car, and nothing on my credit report indicates that I do. This is a blatantly dishonest marketing tacticsending me alerts about information THEY fabricated about my credit report to trick users and earn insurance kickbacks. 

The email specifically says " This is not a marketing emailyoure receiving this message to notify you of a recent change to your account. '' However, I've confirmed that my Experian Credit Report says nothing about a car. This is a marketing email using fabricated data.

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 2019-05-28
Company: SYNCHRONY FINANCIAL
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Back in XX/XX/XXXX, when running late on my bill, I would be sent to XXXX XXXX  XXXX temporarily until Walmart bill was current, however, once brought current. The account was sent back to Walmart whereas at the time financed by GE Capital Bank. 

I have attempted to dispute an amount that was written off, according to all three credit bureaus, I was unaware of this action until XX/XX/XXXX, when a credit report was pulled. 

Synchrony bank has failed to address this issue as to why this amount was written off. I wanted an opportunity to pay all debts owed. Synchrony failed to take action on this issue as well as remove this action from my credit report or allow me to pay this debt as it looks horrible on my credit report. 

After my last attempt to resolve this dispute, I was contacted by the Executive office around XX/XX/XXXX, to advise that the debt and actions regarding my account were accurate, but never addressed the write off issue. 

I am disputing the fact that Walmart has changed financial institutions twice and I do believe inaccuracies during the brief stay of my account at the temporary collection agency errors occurred regarding amounts paid and amounts owed.

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 2015-06-17
Company: Ability Recovery Services, LLC
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received XXXX calls recently from Ability Recovery Services their number is XXXX. Apparently an XXXX XXXX in XXXX gave my phone number. As a contact number for here dentist`s office. And has not paid her bill. I explained that I do not know of any XXXX XXXX. And that my wife and I reside in XXXX. But they just keep bothering us!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
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 submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

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 2015-06-18
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XX/XX/XXXX I received a debt collection letter stating I owed Commonwealth Financial Systems {$300.00} for a debt at XXXX XXXX which I have never heard of. I was asked to notify their office in writing if I disputed the validity of the debt within 30 days of me receiving the debt collection letter. I disputed the validity of the debt and asked for verification that this debt truly belonged to me. I asked for a break down of services provided. I also asked them to please not place anything on my credit report until the dispute was resolved. I did all of this in writing and sent the letter certified mail. Commonwealth Financial Systems received my letter on XX/XX/XXXX, well within my 30 day allotment. 

On XX/XX/XXXX I checked my credit report to find that they reported it to all XXXX bureaus which of course caused a XXXX point drop in my score. Once I noticed that they did indeed place the collection account on my credit and I still had n't received any mail validating the account I called their office. Once I reached a representative they confirmed that they did in fact receive my debt validation letter but did n't have any information to provide me about the debt owed. The only thing the representative could tell me was that he assumed it was a medical bill from XX/XX/XXXX but could n't provide anything else. I asked who to contact for an itemized bill stating services provided on that day and was told to contact XXXX XXXX XXXX. I asked for contact information for XXXX but the representative told me he could n't provide that information. 

I also explained that the certified letter I mailed them stated not to place any information on my credit report until the dispute was resolved. However, since this request was not obliged by Commonwealth Financial Systems in addition to the fact that I still have no information in regards to the debt I let the representative know that I would be filling a complaint and ended my conversation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
RE : Common Wealth Financial Systems Account # XXXX and XXXXXXXXOn XXXX XXXX, 2015, I requested debt verification/validation of the alleged debt claimed owed in the amounts of {$750.00} and {$300.00}. Correspondence was sent via USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, which Common Wealth Financial Systems received on XXXX/XXXX/2015. After not receiving verification/validation, I then requested, on XXXX/XXXX/2015 via USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX which they received on XXXX/XXXX/2015, for Common Wealth Financial Systems to remove theses negative items from my credit report. They have failed to respond to either of my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: Commonwealth Financial Systems, Inc.
State: WI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
A third-party debt collection agency known as Commonwealth Financial Systems , Inc., has recently contacted me in writing XXXX and alleged a {$810.00} medical debt as due. I dispute the debt. I do n't owe the debt, and all of my medical costs have already been paid by the Department of Veterans, XXXX office. 

I contacted Commonwealth Financial in writing XXXX by XXXX and XXXX. My written correspondence to Commonwealth was first on XXXX XXXX, 2015, and my XXXX on XXXX XXXX, 2015. I dispute the billing because all of my medical costs have already been paid by the Department of Veterans Affairs ( VA ) to the original creditor -- XXXX XXXX XXXX XXXX located in XXXX, WI. 

I wanted Commonwealth to validate the debt, but Commonwealth is either unwilling or unable to validate the alleged debt. Worse, the collection agency, Commonwealth, mistakenly entered an adverse collections account information into my XXXX credit report about this unvalidated alleged debt. Equally important, Commonwealth entered the adverse information on XXXX XXXX XXXX, which infers there are XXXX alleged debts for the very same amount to the same creditor, instead of XXXX alleged debt. A duplicate-entry error by either Commonwealth or XXXX. 

I 've initiated an on-line dispute with XXXX a few days ago, and called attention to the XXXX adverse records which are precisely XXXX and the same. XXXX has not concluded their own investigation, because it was only recently submitted by me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have been fighting with Commonwealth Financial systems in XXXX Pennsylvania for the past 2 months to get them to send the assignment of debt letter per Florida statute 559 .27 and they have yet to send said assignment of debt letter that gives me the 30-day mandated dispute of validity. I have asked for them to remove all trade lines from all credit bureaus and while they have told me that this was done I still see their tradeline on my XXXX credit bureau.

Company response to consumer: Closed with explanation