BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
So I Received a " Check '' from someone and they said to pay some money to an orphanage. so I did, a few days later, my bank account ( USAA ) was locked, and they told me after a 4 hour call hold, that I needed to pay {$2600.00} to unlock my account and that it was a scam. they refused to help cover it. 

Its been 3 months, and I'm in the worst financial spot possible. My advice is if you do get a check and then are told to donate to an orphanage or whatever, dont do it. just let the check invalidate without sending money. 

To USAA, shame on you for not assisting me at all with recovering my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I am currently having issues with credit reporting companies reporting on my credit. Ive already filed complaints as well as disputes for several accounts Showing inaccuracies on my report. It has been well over 60 days and I have yet to seen any other disputes corrected on my credit report. I have also went ahead and filed a police report regarding the identity theft that has happened on my credit I will be attaching those files as well as the disputes sent in to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Last XXXX XXXX, XXXX, I wrote a letter pursuant to FDCPA and FCRA, requesting copies of validation documents with regards to this account they are reporting allegedly on my credit report. To date, I have not received any validation document from this company. More than 30 days have already past and this account is still unvalidated. The account number, balance, opened date, date account assigned/sold to them my personal info, everything has not been validated. Attached are copies of the letter I sent them last XXXX XXXX and the letter I am sending them today XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I've ask XXXX to dispute an account by name of XXXX XXXX. The account is been open past 7 years and also paid. They refused to follow the status of limitations.

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 2022-08-29
Company: American Credit Acceptance, LLC
State: TX
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 American credit acceptance has violated my rights. 

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

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

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am currently in battle with a collection agency XXXX XXXX they trying to collect XXXX for an online school I was released from after I found out they lied about the schools accreditation and I found out because of that I will not be able to get a job.

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 2022-08-29
Company: Bread Financial Holdings, Inc.
State: TX
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  has violated my rights. 

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 HAVE SEVERAL ACCOUNTS SHOWING NEGATIVELY ON MY CREDIT REPORT. WHEN MY EX-HUSBAND AND I DIVORCED, WE AGREED TO SPLIT THE DEBT ACCRUED DURING OUR MARRIAGE. HE HASN'T MADE HIS PAYMENTS AND DESPITE MY MANY ATTEMPTS TO CORRECT THIS, I AM NOT RECEIVING ANY RESPONSE FROM THE COLLECTORS ON THOSE ACCOUNTS. AS IT STATES IN MY DIVORCE DECREE, THOSE SPECIFIC ACCOUNTS BELONG TO MY EX-HUSBAND. I HAVE BEEN TRYING TO CORRECT THIS FOR NEARLY THREE YEARS, BUT I HAVEN'T HAD ANY SUCCESS, AT ALL. I HAVE SUBMITTED DISPUTES, WRITTEN LETTERS SENT TO THE COLLECTORS, I HAVE TRIED CALLING TO DISCUSS THE ACCOUNTS AND GIVE THEM THE CORRECT INFORMATION. IF SOMEONE COULD PLEASE HELP. I AM APPLYING FOR A CAR LOAN SOON AND I HOPE TO HAVE THESE NEGATIVE ACCOUNTS OFF OF MY REPORT. I HAVE BEEN PAYING MY PART OF THE DEBT, BY MAKING MONTHLY PAYMENTS. I SHOULD NOT BE PUNISHED BECAUSE MY EX-HUSBAND ISN'T TAKING CARE OF HIS DEBTS.

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 2017-04-12
Company: MORTGAGE 1 INCORPORATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I applied for a home loan with Mortgage 1. The loan I was looking to get was for first time home buyers, FHA 30 year fixed. I just graduated XXXX school within the last year so my pre approval and closing of the loan was supposed to be on my last years income. My loan officer took my financial income for 3 years prior instead of only using the last years income. I called and emailed my loan officer and her office secretary a number of times stating I wanted to know the daily interest rates and I wanted to lock in my loan when I was ready to do so, depending on the daily rate. NO one ever knew the daily loan rates and never would get back to me with the information I was asking for. My loan officer then told me her secretary locked in my loan rate with out my approval and did not even know what she locked it in at. My moving date was 3 days away and I was told If I did not sign the paper work I would not get the house. After figuring out the interest rate she locked me in at I questioned why it was so high from what was quoted to me. Her response was My credit was really bad and I dont get a better rate. FHA loans do not discriminate on credit scores. FHA excepts interest rates at XXXX my credit score was XXXX. My loan was charged a point over what it should have been. The lender made about 18 grand off my FHA loan. I also had to use their attorney for escrow, where the real estate attorney removed closing statements that were the lenders closing statement from my closing documents, stating the numbers where off due to a glitch in their system. My federal house loan ended up costing me XXXX, I went FHA because I felt like it would be a safer loan in consumer protection. These people made a ton of money off a single mother of XXXX children who works full time and is a XXXX. XXXX an unhappy Federal backed home loan consumer who got robbed by a business.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My account is reporting 30 Days Late with a late payment in XX/XX/XXXX which is incorrect. This issue is specific to TransUnion reporting and has been previously disputed. My due date is the XX/XX/XXXX of each month. XX/XX/XXXX 's payment was made on the XX/XX/XXXX on time and XX/XX/XXXX and XX/XX/XXXX 's payment was made on the XX/XX/XXXX on time. The issue has not been permanently resolved. Per Transunion, XXXX is not sending updated payment history for each month. There has been no payment history updated since XX/XX/XXXX for Transunion. XXXX and XXXX have up to date current 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 2017-04-12
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I rented an apartment at XXXX for several months. I provided a 60-Day Move Out Notice, paid all items ( rent, utilities, etc. ), got a zero-debt statement, and a refund check from landlord. Landlord 's manager XXXX signed a receipt.The apartment complex was XXXX ( managed by XXXX ) and currently is named " XXXX '' ( managed by XXXX ). However, Landlord has created a fake debt and sent it to collections agency NATIONAL CREDIT SYSTEMS whose representative XXXX ( XXXX ) has been harassing me for the last 3 months. XXXX said that her company had purchased my debt, tried to get me pay by phone, and threatened me with damaging my credit by informing the credit bureaus about this debt. I tried to speak with landlord, but it said they already " SOLD MY DEBT '' to the collections agency.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: PNC Bank N.A.
State: KY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
We have made several attempts to close a paid off HELOC to no avail. We took out a XXXX XXXX XXXX with PNC on XXXX with PNC, whereby part of the proceeds were REQUIRED to payoff our existing HELOC. The balance was paid off, however, the HELOC was not closed. When I saw that the HELOC remained open, I inquired with PNC and was told that I had to submit a letter in writing to do so. I FIND THIS INCREDIBLY IRONIC, AS A CREDIT DECISION WAS MADE TO THE CONTRARY. THE ENTIRE AMOUNT OF THE HELOC WAS AVAILABLE TO BE DRAWN, AFTER THE CASH OUT LOAN WAS CLOSED. I was told that if I submitted a letter requesting to close the account, the subsequent {$50.00} annual fee would be waived, and my loan closed. We submitted the letter in writing, and several weeks went by, and the loan was still open. I again called and was told that the closing request was not processed because there was a remaining {$50.00} annual fee on the account. I paid the {$50.00} and I was told the closing request would be processed. I again inquired when I saw the HELOC was still open, and received a letter indicating the draw privileges were terminated on XX/XX/XXXX, and, as long as there were no fees and no balance, the HELOC WOULD BE CLOSED. As of today, the draw privileges remain available until XXXX/XXXXXXXX and the account is open.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: WELLS FARGO & COMPANY
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:
PLEASE FIND ATTACHED THE CREDITORS LETTER FOR WHICH THEY HAVE APPROVED TO REMOVE THE LATE CHARGES AND NEGATIVE MARK FORM MY CREDIT REPORT SINCE I WAS A XXXX XXXX AT THAT TIME AND FOR SOME REASON IT WAS NOT PAID ONETIME. PLEASE HAVE THIS REMOVED FROM M Y CREDIT AND ALL THREE BUREAUS

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Transunion received multiple disputes with correct and legitimate concerns and contacted me asking for additional info. I included substantial documentation including a copy of my ID and recent mail to verify my address. 
Transunion has failed to address errors on my credit report even after I disputed and followed the dispute process in its entirety. 

This is just a stall tactic, illegal under the Fair Credit Reporting Act.

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 2022-08-29
Company: CL Holdings LLC
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: Old information reappears or never goes away

Complaint:
I purchased this car loan in XXXX it has had an oil leak recall ever since. I have taken it in a few times to get the oil leak fixed and every time I did, they would say it was fixed but it never was. Had to stop paying on the car because I kept having to put money into fixing it. Fast forward to XXXX the car transmission went out due to the oil leak. No one in that 4 to 5 years ever came to get the car. Nor did they send me any papers requesting information on the car. Now in XXXX in the last month, I started receiving calls about this car. The amount showed up recently for {$20000.00} I am now being asked to pay. The amount is incorrect considering I paid over 2 years {$450.00} a month. I have asked that this be removed from my credit report 1. Because this last month is the 1st I've heard of this account. 2. Because in the State of Texas the loan and collection is passed the statutes of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
UNAUTHORIZED CREDIT INQUIRIES : XXXX Inquiry : XXXX XXXX, 2019 XXXX ( XXXX ) XXXX XXXX  XXXX XXXX  Inquiry : XXXX XXXX, 2019 Bank  ( XXXX ) XXXX XXXX  XXXX XXXX  Inquiry : XXXX XXXX, 2019 XXXX ( XXXX ) XXXX XXXX XXXX XXXX   XXXX  Inquiry : XXXX XXXX, 2019 XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2019 XXXX ( XXXX ) XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, 2019 Bank ( XXXX ) XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX, 2019 XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2019 Automotive ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2019 Credit Union ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2019 Miscellaneous ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, 2019 Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2019 Miscellaneous ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2019 Miscellaneous ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2019 Miscellaneous ( XXXX ) XXXX FACTUAL DATA Inquiry : XXXX XXXX, 2019 Miscellaneous ( 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 2020-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently checked my credit report and noticed several fraudulent accounts that are reporting. Please help me with this matter because it is affecting my ability to purchase a home tremendously. The accounts are showing as XXXX, XXXX  XXXX XXXX and XXXX XXXX as well none of which I have ever done business with. I did not authorize any of these companies to run my credit or inquired with them.

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 2020-02-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2020, Capital One closed my account because of a " processing error '' from their end. I had to update my income and did so but I assume my income did not meet certain requirements. As a result, my credit score was decreased. I want to emphasize, I was sent a pre-approved application with a 0 % interest balance transfer and accepted it. I had enough money to pay my CC but I wanted to save it in case of emergencies. No one on in the CS department could tell me anything and was told I needed to wait " weeks '' for a letter explaining everything. 

Moreover, my cash reward balance is now {$1.00}, when it was around {$210.00} beforehand. Capital One has literally stolen my reward balance that I worked to achieve by making purchases and paying them back in a timely manner ( never late ). I have never been late on a payment and have actually spread out the payments so the balance is {$0.00} at the end of the 0 % interest. 

To make matters a little more frustrating, Capital One just approved a refinance of my car loan at the end of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: ALLY FINANCIAL INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Ally financial keep drawing money out of my my bank account that is used for personal things, Ally financial has an account they are to be taking money out of for our car payment but refuses to take out of the allowed account. This is unacceptable and keep putting my personal account into the negative costing me an extra XXXX $ a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I have multiple transactions that I did not authorize and my card has been missing since the XXXX of this month. Unfortunately I had my pin on the back of IT. This has never happened to me before. Usually I am on top of things but lately I have experienced some health issues, and I can't believe that As many times as I've called no one has assisted me with this issue. I desperately need my money as well as a new card. Alls they do is transfer me and after 1- 3 hours later I get disconnected. PLEASE HELP ME IN RESOLVING THIS MESS.

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 2021-09-23
Company: Credit Service Company, INC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I pulled my credit reports back in XX/XX/2021, I noticed 2 collections on there and sent a validation letter to both the provider and the collection agency, this process has been going on since XXXX. In trying to deal with this matter I talked to my insurance company which they never received an itemized bill detailing correct XXXX codes XXXX or procedure description They also informed me that the provider office failed to submit a correct itemized bill within the 90-day submittal time frame that it is against their contract to bill the patient. Not to mention, the collection agency is unlawful re-aging both of these accounts every month. 

Ive attached documentation of what Ive sent the provider as well as the collection agency, and Not only do I not hear back from either of them, but it is still reporting on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I got a loan from santander consumer USA, I TOLD THEM THAT I JUST HAD PAID THE AMMOUNT OF XXXX $ THE LOAN WAS FOR XXXX AND WHEN I OPENED THE ACCOUNT TODAY TO SEE PAYOFF AMMOUNT MY OAYOFF AMMOUNT IS ALMOST XXXX SO I CALLED THEM THEY TOLD ME THAT MOST OF MY PAYMENT WENT TO INTEREST AND MAYBE JUST 10 % WENT TO PRINCIPAL I CANT AFFORD ANY MORE PAYMENT I HAVE TO FEED TWO KIDS AND IS VER HARD FOR ME PLUS GAS AND OTHER STUFF I NEED HELP TO WORK OUT WITH THEM PLEASE!

Company response to consumer: Closed with explanation