BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-30
Company: A.R.M. Solutions, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Discontinued sending a hardcopy bill form to my residence. Then started to call and wished to have me provide credit card or banking account number over the phone to acquire automatic payment method. I informed them at that time that I have no problem with paying my bill that they will have to continue to forward me billing thru the mail as they once were. They explained that they were not part of the billing department. I received numerous calls with the same conversation to each person that called. XXXX XXXX XXXX & XXXX p.m. XXXX XXXX. & XXXX. XXXX XXXX XXXX & XXXX a.m. are the last of many before that i started to keep records, Then I got an email XXXX with a view of the hardcopy bill that i used to get in the mail with an individuals name XXXX XXXX XXXX XXXX XXXX XXXX. I responded to that email asking. When and if i could continue to receive a hardcopy in the mail to my address. No return response. No hardcopy received in mail. In many of these communications with persons on phone, no one could answer my questions as to what the account number they were calling about, where the subscription was being sent to, what time frame or dates the service was from end to end, what address the bill was being sent to. They just wanted me to give them my credit card number over the phone. I feel these actions by the daily press are done deliberately to try to streamline the process and lower their cost of dealing with mailed bills to the customer. I am sure they wish for more automated process. It cost less. There was no profane or obscene language used. No threats of violence mentioned. There were comments of false statements and continued harassing phone calls after asking them to discontinue calls & provide written statements for resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX XX/XX/XXXX fraudulent charges were placed on my credit card to four different locations/addresses. 
-The addresses/locations associated with the fraudulent activity are " XXXX XXXX XXXX  '', " XXXX XXXX XXXX '', '' XXXX XXXX XXXX XXXX '' , and " XXXX XXXX  ''. 
-The amounts of each charge were one of the following three : " XXXX '', " XXXX '', " XXXX ''. All charges had a XX/XX/XXXX authorization date. 
- Total fraudulent charges amounted to {$7500.00}. 
- Fraudulent activity was recognized by USAA and alerted myself, froze the card, and locked the account. 
- USAA has taken action to remove the charges from the account. USAA stated the charges should be removed completely at the start of the work week.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have written Notarized letters to Diversified Consultants along with many calls to them and XXXX. I explained I was a victim of ID Theft and provided documentation from police reports to whatever I had and to no avail they have not taken this off my report on XXXX yet. they have no documentation whatsoever and are lying to bureaus to try and collect a fraudelant debt. 
the amount they say I owe is {$2500.00} it says open XXXX/XXXX/XXXX I will attach documents to support this to you all. thanks for your help. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-10
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed.

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 2021-11-07
Company: Square Inc
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem adding money

Complaint:
I opened a cash app account XXXX. I used it very little. I made the once in a while transfer to my friends and family without any problems I loaded my cash app card with money at numerous stores. I have problems in New Mexico with federal agents illegally logging into my bank accounts and changing my passwords having banks hold my deposits or force transactions. I have had many problems with many other bank accounts and prepaid cards.I lost my cash app card and two weeks ago I requested a new one. I received it and activated it without a problem. I went to XXXX XXXX yesterday XXXX XXXX to load {$500.00} onto my cash app card to be able to pay my bills. When I got to the register to load the card the store phone rang and then my cell phone rang with a spam call the clerk slid my card and told me the card issuer denied it. I couldnt understand why being nothing was Wrong with my card or the activation process. I thanked the clerk for trying and immediately messaged cash app. The advocate told me that all he seen was two {$30.00} transactions that were declined by my bank. I told him I was not talking about those charges because someone stole my card information which lead the bank to cancel my card as I was awaiting a new one. I attempted to go to 6 different stores and load my cash app card as I have bills that are due my car insurance being the most important. Every single store even XXXX told me that I couldnt load my card. I then knew that federal agents had everything to do with the problem and that the ringing of the phone at the store was to get my card number and purposely deny me of loading my cash app card to pay my bills. The same thing happened to my XXXX prepaid card. I then got very angry because my car insurance is set to expire on XX/XX/2021 at midnight when I messaged cash app again they sent me a message saying currently Youre not able to load YOUR CARD at a store. Why would I be the only person unable to physically load my cash app card? Thats unfair business practices Ive done nothing illegal with my cash app or to cash app. Why they would only apply this to me is beyond me. They then proceeded to lie to me and tell me that in my state loading of cash app cards is not available. When I have loaded numerous cash app cards in New Mexico. I recently changed my social security Direct deposit to come to my cash app account because XXXX was participating with federal agents to do the same thing that now cash app is participating with federal agents to do which is unfair business practices and violations of my constitutional rights. Federal Agents didnt have a warrant that prevents me from using our loading my cash app card so why cash app complied is unknown.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: Experian Information Solutions Inc.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I applied for a credit card, and was denied. I went to get my free report and was denied by Experian and XXXX. I tried to get my adverse report and Experian denied me again. The want me to mail them copies to prove my identity. I do n't want to give them my drivers licence or paystubs. My information is my information, I do n't want them to have it. This is a bad company that I do n't trust, I will not give them anything but public information. I 'm entitled to a free report by law and they already have more than enough proof of who I am. They 're using my information against me and not letting me see it. They did n't ask to see my ID before denying me why should they need it now?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-07
Company: AES/PHEAA
State: TX
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:
Prior to the pandemic, I was making my payments regularly and I was able to pay more than the monthly amount due. I asked if I could make principal only payments in addition to my monthly payment and waa told that this was not possible. This ks absolute nonsense and seems to me to be a way to keep individuals in perpetual debt. By making regular and principal only payments, I can pay my debt off faster, but this is not possible with FedLoan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: NVR INC.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I paid {$33000.00} down payment for a mortgage on a townhome in XXXX to NVR mortgage. My fiance purchased a unit two doors down. Last week after closing. I was told that me and my fiance were living in the same building and they wanted to make sure I wasn't going to rent out my townhome and delayed my closing. They assumed I was going to this even though we told them that this was going to be my primary residence. NVR mortgage wanted me to sign a motivation document that said I was not going to rent out the property because of this. I asked where other people told to sign this paper or was my fiance told to sign this paper. The answer was no. I did not sign the paper because it wasn't a required document. I have not been approved or denied my mortgage for the townhome that I tried to get as of today. My home today on XX/XX/XXXX was listed on XXXX as up for sale. I have still not been approved or denied from the lender. If I was denied I should have the right to go find other lenders as NVR was the preferred lender. I assume the lender told XXXX XXXX that I was not going to get the property and they could put it up for sale on XXXX. I feel like I have been discriminated against due to my marital status and black balled from getting the property due to the connection NVR and XXXX XXXX have.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was going over my credit file and I seen some inquires I do not recognize. I acquired from your organization on XXXX XXXX, XXXX and I noticed an unauthorized inquiry had been made. 
I contacted XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report. There over 15-20 inquires on my report I never applied for any loans or contracts for business with these companies. The dates are around XXXX If you find the inquiry referenced above to be valid, please send me a description of the dates and time as well as the vendors used in your investigation within 15 business days of the completion of the investigation.

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 2017-10-30
Company: Experian Information Solutions Inc.
State: OH
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:
The institution halted my ability utilize a private credit line based incorrect data from the credit bureaus. I have provided evidence the information utilized was erroneous. The decision to close the account negatively impacts my financial credit worthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-07
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ATTENTION DISPUTE DEPARTMENT LAW OFFICES XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am XXXX. Due to a rehabilitation of my home because of my XXXX, I had to move out of my residence while XXXX XXXX hired contractors rehab my home. During this time I had to not only pay the mortgage and utilities at my home and pay rent somewhere else. This caused a great financial burden on me because I couldnt afford it. I fell behind on the mortgage. 

Since then, I have been asking to have my loan reinstated and put the past unpaid payments on the back of my loan. I have had a mediation with Bank of Americas Attorney. I have submitted the documents they are asking only to find out that Bank of America was not reviewing the documents. And after I kept calling Bank of America, I was told by Customer Relations that an underwriter kept denying my loan stating that my income could not be verified. They are not telling the truth because Im on XXXX and they have a copy of my awards letter. I was also told that the underwriter stopped reviewing my loan because he/she they questioned my XX/XX/XXXX taxes. Im having concerns about that because I have never been audited by IRS and the underwriter has never asked for an explanation. It is my understanding that the paperwork sat on the underwriters desk for a long period of time ( at least a year ). 

Please help because I dont have any where to go. The price of rent is way higher than I could afford. 

Im asking for my loan and loan modification to be reinstated so that I can stay in my home.

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 2022-03-30
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have banked with Suntrust Bank for years and have always had the free checking and savings account. Now Suntrust and BB & T Bank have merged and has now become Truist. So now my checking and savings account has transitioned over Truist accounts. I see that my savings account was transitioned over to some type of money market savings and I was charged a {$7.00} maintenance fee XXXX XXXX. I didnt get any notifications of these charges or fees nor did I even agree to this type of account. I dont want any account that I got to pay {$7.00} a month for. I called customer service on XXXX XXXX and ask about this account, the charges, a refund for the {$7.00} etc. All they did was transfer me to department after department with no help of concern. And to add insult to injury XXXX of the customer service representatives had the nerve to tell me in order to avoid being charged another {$7.00} that I would have to deposit {$1000.00} into that account, after I had already stated that I was on a fixed income and that I didnt sign up for this money money account with this maintenance fee.

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 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
The credit beaurues inolved are inaccurratly reporting my XXXX XXXX XXXX Account. The Account number is XXXX. I have had a repossession and it was reported to my account and I had a decrease to my credit score. However, XXXX XXXX XXXX is now reporting missed payments and keeping the account open wich is having a negative impact to my credit reports ( Transunion and XXXX. XXXX XXXX is also in vilation of The CARES ACT. It is not okay for the credit beaurues mentioned to keep reporting fals information. I do not own the veichle and kow that is has been sold, XXXX XXXX is trying to double dip and continue to inpact my credit wich is very wrong. The credit beauties need to start reporting accurate information or completely remove this account as it is in violation of The CARES ACT and is causing harm to my credit report for the last 9 months. It is oreventing me from purchasing my new home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
According to the FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ), PORTFOLIO RECOV ASSOC has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Frost-Arnett Company
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was involved in a auto accident in 2015 where I was hit by a impaired driver.During the lawsuit I had to get Medical treatment from different doctors, and after we came to a settlement, my attorney advised me that all my medical bills before and after my accident needed to be paid and the 2 accounts that XXXX XXXX have has already been paid via my attorney @ XXXX and XXXX in XXXX FL. Whatever my insurance did n't cover the insurance money covered.Company needs to investigate and remove from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX is in Violation of 15 USC 1681b Equifax is in Violation of 15 USC 1681b XXXX is in Violation of 15 USC 1681b

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX is in Violation of 15 USC 1681b XXXX is in Violation of 15 USC 1681b TransUnion is in Violation of 15 USC 1681b

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 2021-11-30
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Santander Consumer USA 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation