BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX ACCESSED XXXX ACCOUNT See attatched XXXX letter XX/XX/XXXX Requesting VERIFCATION WITH ORIGINAL SIGNATURE OR DELETED IMMEDIATELY TO NO AVAIL.see attatched proof of delivery XXXX Thurs XX/XX/XXXX. See attatched XXXX  Credit Reports XX/XX/XXXX. ( Opened. XXXX XX/XX/XXXX ) Report Confirms ussa Account XXXX Kindly Note the Grey Background Hiding Account Numbers & XX/XX/XXXX ( opened. XXXX XX/XX/XXXX ) Credit Report Confirms usaa Account XXXX Kindly Note Grey Background we can Barely See Account Numbers. I believe this is done BECAUSE THE ACCOUNT NUMBERS CHANGE??? USAA & XXXXTtogether Create this Fraud. I AM REPORTING WHAT I BELIEVE TO BE A CRIME. THIS IS NOT FAIR CREDIT These two Companies Collaborate Together Against Cinsumers. This is no error. Next see attatched USAA DOCUMENTATION CONFIRMING NUMEROUS DIFFERENT ACCOUNT NUMBERS ending 1 ) XXXX 2 ) XXXX 3 ) XXXX 4 ) XXXX all previously sent to XXXX. I DEMAND XXXX PROVIDE DRS LICENSES FOR EACH ACCOUNT AND SIGNATURE AUTHORIZING VERIFICATION I OPENED OR DELETE IMMEDIATELY. XXXX  & USAA have ruiened my credit for years. XXXX  covers up for USAA Clearly XXXX  would have noticed the two accounts changing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: Harpeth Financial Services, LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
When I started doing business with this company, part of my payments went towards principal. Since COVID hit, they have started applying payments to interest only. And I'm fairly certain that they raised the interest rate so that the pay off amount only gets bigger. I have contacted them directly with no response and I reported them once through the XXXX. They made a credit to my account t once and I thought they may have actually corrected the problem, but it has resumed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company called Midland has called me numerous times. I have advised them I do not know them and I don't have a debt with them. This company has placed this incorrect information on my credit report and had someone deliver some court information to a relative at my home when I wasn't there. I do not know this company and do not owe them anything and I feel this is harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/XXXX I bought a used XXXX XXXX XXXX  from XXXX XXXX Auto for {$16000.00}. Credit Acceptance was the only lender I could get an approval from. I paid {$1000.00} down. When I looked at my account online, I noticedI was charged {$37000.00}. After looking through the papers the dealership rushed me through, I found that Credit Acceptance charged me {$17000.00} as a finance charge. The finance charge is more than the purchase price of the car. Credit Acceptance refuses to do anything. But if I am a day late their reps call me non-stop all day long. It is so bad I have my phone on silent at all times.

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 2021-04-18
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
During the beginning of the Corona Vira pandemic, mortgage companies ( including ours ) offered financial assistance to families that needed it, in the form of forbearance. Unfortunately, my late husband did not understand what this meant and applied for this program, without further explanation. It was my husband 's responsibility to take care of the finances but earlier this year he unexpectantly XXXX XXXX leaving me to take of everything. Once I found that we were signed up for this program I immediately wanted to end it but realized that each month 's mortgage will be immediately due in one lump sum once this forbearance is over and I do not have the funds ( like most Americans ) to pay for this so I requested a modification and for my late husband 's name to be removed. 
The mortgage company ( Freedom Mortgage ) replied within two weeks and approved the modification only to drastically increase the amount due, an error on their part they said. The escrow due each year is approximately {$7000.00} but the monthly escrow error said {$2000.00}. 
Freedom Mortgage also kept my husband 's name on the modification even after I had submitted his death certificate to them as proof. 
This back and forth has been going on for the past seven weeks with a different representative telling me, " the issue will be fixed '' or " the issue has been resolved just wait 10 business days '' or " the underwriter is looking at it now, you should receive a letter by the end of the week '' and I get no response. 
Freedom Mortgage has no issue sending me a monthly statement telling me how much I need to pay them and how much is due, but for some reason, Freedom Mortgage can not properly adjust the modification I requested and they approved in a timely manner so I can try to move forward with my grieving process. The amount of anxiety and stress this one company is causing me is really unbelievable, it feels like they want me to give up the home my husband and I had together so they can make a bigger dollar off of it.

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 2023-06-02
Company: First Credit Services Inc.
State: AK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have recently ( XXXX ) been contacted by debt collection about a gym membership from XXXX. The debt is from a company that I am not familiar with ; however, I did have a gym membership at this time. I believe the old gym XXXX XXXX XXXX ' that I had a membership with was bought out by XXXX XXXX XXXX ' ( XXXX, XXXX ) and my " debt/membership '' along with it. I enlisted in the XXXX in XXXX and submitted the associated documents to have my obligation relinquished with XXXX XXXX XXXX '. I have been in XXXX and XXXX since that time. The debt of ~ {$280.00} is being requested from First Credit Services stating that debt is owed from a contract from XXXX. I believe they are collections based out of CA, based on the caller-ID that have been attempting calls daily. I notified them of the information above, but since they have no direct relation to the gym 's records it is apparent they aren't considering this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: PENTAGON FEDERAL CREDIT UNION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an unsolicited Credit/Debit card in the mail from PENFED Credit Union on XX/XX/XXXX. 
I called their Consumer Fraud number through the customer service number listed on the fraudulent card : XXXX to cancel this card. Tomorrow I will call member services to make sure the account in my name is closed. 
I am worried that someone has my Social Security number. 
I called XXXX and XXXX to place a Fraud Alert on all my Credit files. 
What else should I do to protect my Identity. I am normally very careful to use known/trusted companies to purchase items online through 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 2019-03-19
Company: EdFinancial Services
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I made a payment of {$6100.00} to Edfinancial on XX/XX/2019. Confirmation # XXXX towards a specific loan-loan C. The company split up the payment and registered them to two other loans provided providing false dates for the payments. Even after incorrectly documenting the loan payment the payments were never deducted from either the principal or outstanding balance. 
An original payment of {$1000.00} on loan A was never applied and deducted from the outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I don't comprehend why I have to repeatedly file complaints regarding an issue that the creditors assured me they would resolve over the phone. During our conversation about this problem, they assured me it would be addressed within 10 days. However, it has now been 65 days, and the issue still adversely affects my credit and hinders my progress in securing a loan. The emotional and physical toll I am experiencing due to this matter is overwhelming. I kindly request that you rectify this situation immediately. I have never been delinquent on this account. If this problem persists, I will have no choice but to consult with a legal representative and pursue compensation for the emotional distress caused by the extreme negligence in handling this matter. XXXX XXXX XXXX, XXXX XXXX XXXX NA XXXX, and 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 2019-02-01
Company: National Credit Adjusters, LLC
State: DE
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The original creditors were predatory loans that I took out for a family member. I was contacted by NCA several times and requested a debt verification letter. The letter was never sent. The representatives contacted me on my home, work, and mobile phone many times per week. After much pressure, I pulled my own credit and saw one account that I recognized and agreed to a payment arrangement for that account. While paying off this account, the representative told me that NCA had another collection account that I needed to set up payment arrangements for. The representative assured me that as long as I made regular payments, the second account would not be reported. I paid BOTH accounts in full only to find out that the date of first delinquency had been reset to the date I actually paid them off ( XX/XX/2018 ). I sent e-mail messages and sent letters through the US Postal service and NCA has not responded. I called and spoke to a representative who told me there was nothing she could do. When I asked her to escalate my case she said that they do not have an escalation process. I disputed the information through all three credit bureaus and NCA has confirmed and updated the accounts with inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I XXXX XXXX personal information has be stolen around the beginning of the year XXXX. During the beginning of XXXX I contacted XXXX while working as an private home healthcare provider. I was hospitalized and unable to work, or take care of myself, I required XXXX XXXX XXXX, same as I provided for my clients. the entire duration of my illiness I had no control over my personal information and was taken advantage of by various individuals, as an result of being near death, someone used my personal information to open fraudulent accounts, such as a personal loan, and a medical account that provides medical and cosmetics XXXX. I can not name names, do to the fact that I was in the hospital and under sedated. The result of the misuse of my personal information XXXX now a victim of identy theft and fraud, this is the second time that I have experience this, since XXXX when my information was apart of a data breach by XXXX XXXX. 
This has caused great discord and inconvenience to my life. This collections agency never provided any proof that the account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: Nelnet, Inc.
State: SC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a debt validation letter to Caine & Weiner for a collection account found on my XXXX credit file. I sent a request for debt validation on XX/XX/XXXX via certified mail. it was received and signed on XX/XX/XXXX. It has been 30 days without communication. I have not received any documentation validating the debt belongs to me as allowed under the Fair Debt Collection Practice Act ( FDCPA ). I attached a copy of the validation letter sent and proof of certified mail received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My wife and I have been sending money to XXXX via my brother-in-law to finish a building project we have been working on since XXXX with target date of completion by XX/XX/XXXX. In XXXX XXXX my brother-in-law in was contacted by his bank to confirm he was not defrauding my wife. My brother-in-law confirmed he was helping to handle the building project by organizing and paying the workers. In XXXX XXXX Bank of America reach out to my wife to update her profile to avoid account restrictions. My wife 's account was eventually restricted until she called and confirmed her employment and other personal information. My wife 's full account activities were then restored and we continued sending wire transfers to XXXX via her checking account. 
Then I received a letter dated XXXX XXXX XXXX from Bank of America stating the money market account I share with my wife which has been opened since XXXX will be will be restricted from use in 21 days and closed in 30 days with no reason. I strongly believe this is a result of the legal international wires because there was no reason to close the Savings account which had with hardly any activity. 
I agree that Bank of America has a right to close accounts but I do not agree with Bank of America closing accounts because of international transactions unless they can prove fraud, criminal activity or support for terrorism, this is discriminatory towards foreign nationals. How are foreign nationals suppose to make investments or support their family/community if they are excluded from the banking system?

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 2017-06-25
Company: AMERICAN EXPRESS COMPANY
State: IL
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:
Creditor Name : American Express Account number : # XXXX American Express and the 3 credit bureaus ( XXXX , XXXX and XXXX ) have been and are reporting inaccurate information on my credit report. I have been damaged and denied credit because of the inaccurate information reported by American Express and the 3 credit bureaus. American Express and the 3 credit bureaus have been and are reporting my account as managed by credit counseling program which is not true. I called, contacted American Express and the 3 credit bureaus through certified mail and fax and disputed the inaccurate information multiple times in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX but American Express and the 3 credit bureaus insisted in breaking the law and violating FCRA ( Fair Credit Reporting Act ) and reporting inaccurate information on my credit report. The furnisher of this inaccurate information is American Express. I sent certified mail and provided the evidence ( the termination letter from the credit counseling agency ) to American Express and all the 3 credit bureaus that this account was and is still a regular account and not managed by credit counseling program since XX/XX/XXXX. I waited more than 30 days to have the verifiable proof from American Express or all the 3 credit bureaus of their inaccurate information and I didnt receive it from all of them. Since neither American Express nor all 3 credit bureaus have any verifiable proof of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the account mentioned above should be deleted immediately. Certified mail tracking number sent to American Express on XX/XX/XXXX : XXXX Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX  on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm submittng this complaint to formally seek relevant advice and assistance to ensure that the data reported on my credit file is completely accurate. I recently obtained a copy of my credit report and believe that there's an account that is confusing and lacking in detail. Therefore, I kindly request an investigatigation of this account : XXXX : XXXX XXXX XXXX Balance : {$7700.00} TRANSUNION : XXXX XXXX XXXX Balance : {$0.00}. There are multiple inaccuracies associated with this account. The balance is incorrect, and there are inaccuracies regarding late payments. I have never been late with my payments. In accordance with the Fair Credit Reporting Act, I will need to request evidence of the last payment and payment history. I kindly ask for your prompt verification and correction of this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had my identity stolen at beginning of the year and this severely affected both my personal and business accounts with TD bank. It all started when my phone was stolen. I filed police report and everything. This person fraudulently manipulated my accounts and withdrew thousands of dollars from my balance ( prior to any of this ), deposited fraudulent checks, changed contact information and other things. I reported this and requested to get issued new account numbers and TD refused and gave me the excuse of they got in through your debit account but highly unlikely they know your account number I kept pushing for this to no avail. Than they fraudulently stole over 7 grand and td never contacted me once and I didnt even know until tds collection agency started calling. I have numerous police reports and everything needed to prove this. Ive gone into branches personally also. I was told to contact their investigator whose name is XXXX her number is XXXX and my case number is XXXX. She blocked my number from calling her after the XXXX messsge left. No investigation was ever done nor had anyone contacted me still! I had thousands of dollars spread up between and my XXXX or XXXX accounts and never received a penny! They kept it I assume due to the fraud on my account but I never did anything wrong and Jusy want my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: JPMORGAN CHASE & CO.
State: IN
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:
I have hard inquiries appearing on my XXXX report that are fraudulent and are not mine. 
XX/XX/XXXXXXXX JPMCB card services 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

Company response to consumer: Closed with non-monetary relief