BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I advised the company on XX/XX/2020 that I would be making my payment that was due on XX/XX/2020 on XX/XX/2020. I made the payment in the morning as I stated I would. Later in the afternoon I called to make sure that USAA Bank where the funds were and transfered to USAA Bank where the loan was. The first person I got after the Notice this is attempt to collect a debt I got XXXX XXXX in Florida. XXXX advised me after much haggle unless I gave him my phone number or email. He refused to transfer me to a supervisor and is also working for a third party hired by USAA to collect debts. XXXX would not disclose the name of the company the address. 
I then called back to get XXXX XXXX who would not transfer me and when she did get a supervisor they would not talk to me because I was not verified. She also would not disclose the name of the company or the phone number she was working for. 

The above individuals with intent would not disclose the name of the company they worked for under the Fair Debt Collection Act. Unless I gave them my phone number, Pin number and SSN. USAA is unwilling to talk to anyone and anyone that is hired to do the work for them does nothing to identify themselves other than the first name. 
USAA has come up with a lot of rules and does not send them in large print as they have been asked several times and when you complain they leave a short message and unwilling to help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-11-01
Company: Experian Information Solutions Inc.
State: AL
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 been victimized by your company reporting erroneous information. After several attempt of trying to rectify the matter with your bureau in civil manner, my attempts have been unjustified and ignored violating the FCRA and my rights as a consumer. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I  have made.

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 2023-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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:
I had a credit card with Bank of America. In XXXX of XXXX, I mistakenly made 2 payments to my credit card. I called the bank and asked them to reverse the second payment. It took the bank 3 months to reverse the payment. In the meantime, my credit card statements in XXXX and XXXX were negative ( because of the XXXX overpayment ). In XXXX, when the XXXX XXXX payment made in error was finally reversed, it was backdated to XXXX ( per the bank, as if that 2nd payment made in error in XXXX had never happened ), and because of that, the bank is now arguing that I missed the XXXX and XXXX payments, even though they acknowledge that those two statements were negative, and that there was no payment for me to make in XXXX or XXXX. Without notice, they closed my account, sent me to their collections department, and reported me to the credit bureau. My credit score has dropped by XXXX points.

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 2019-04-13
Company: Mr. Cooper Group Inc.
State: AR
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 NEED XXXX TO FURNISH THE HISTORY AND ALL TRADELINES ASSOCIATED WITH MY MORTGAGE FROM START TO FINISH. ALSO, MORTGAGE WAS LISTED IN OUR CHAPTER XXXX BANKRUPTCY XXXX, DISCHARGED ON XX/XX/2018. THE MORTGAGE WAS LISTED AS A DEBTORS CLAIM FOR THIRD PARTY AT $ XXXX.IN ADVERSARY PROCEEDINGS AGAINST ALL TRADELINES, ESPECIALLY, XXXX AND ALL INVALIDATED DEBTORS/CREDITORS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: EQUIFAX, INC.
State: IL
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:
After sending information to verify myself with my disputes, as of XX/XX/XXXX Equifax has not investigated or responded to the following issues on my credit report at all. They have violated the FCRA 30-day-to-respond regulation. The creditors have attempted no contact with me resulting from said investigations. If I must, I will take legal action but I want to create a paper trail.  Please see items below ACCOUNTS XXXX XXXX XXXX never late XXXX/XXXX XXXX not mine XXXX/XXXX  XXXX not mine XXXX XXXX XXXX never late US DEPT ED XXXX not mine US DEPT ED XXXX not mine US DEPT ED XXXX not mine US DEPT ED XXXX not mine US DEPT ED XXXX not mine US DEPT ED XXXX not mine US DEPT ED XXXX not mine INQUIRIES XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX COLLECTIONS XXXX XXXX XX/XX/XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Experian Information Solutions Inc.
State: AL
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:
I have been trying to work with this account for the last 9 months however, I was never given any update or information of the results of the disputes I have submitted. This is a violation of my rights as a consumer. The account information is showing inaccurate informations, invalid account numbers and asterisk dont match or correspond to creditors also Re adding or re aging accounts this is violation and must be notified.

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 2017-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX is reporting on my credit reports on all XXXX bureaus as if I owe them money and this account was established in 2016. I have never borrowed money or taken money from this company for a loan to default on. I need this collection account removed from all XXXX bureaus immediately. I have tried to dispute with them and collections agency. They never verify the debt just states that it was verified. I need proof of my signature otherwise they need to remove this from my credit file.

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 2023-04-03
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: MOHELA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I attended XXXX or XXXX  XXXXXXXX XXXX from XXXX. I can't ever get a person whenever I call Mohela. On a side note, I was denied the XXXX because I didn't have my govt. loans in a " direct loan '' for the whole 10 years.? 
Anyway, when I refinanced my home, in XXXX or XXXX. I took about XXXX grand of equity out and I paid off the rest of my direct loans from XXXX XXXX, a XXXX XXXX. I shouldn't have done that! My friends are getting refunded money paid towards their loans from the Corinthian lawsuit and their loans forgiven, but I never got a refund or a letter. I don't have any more loans from attending XXXX so is this why? How do I get reimbursed? I'd love to put this back in to my home or help to assist my XXXX with his college. This is XXXX grand that I really need as a single parent. If others are getting their loans forgiven and getting their money back that they paid towards their loans, I should as well. I don't know how to go about it though. Since I don't owe money for these old loans, maybe it's not automatic in the system. How do I get them pulled up so I can get refunded. I can't understand how I wouldn't be eligible for a refund by being responsible and paying them off ( only about 4 or so years ago when others have not made any or little payments! I didn't have the money, but I refinanced to get rid of them. I can really use this money. Please please help! I called the department of education, and they said I needed to contact Mohela for the Corinthian lawsuit loan refund, but they don't answer. 

Not as important at the moment, but I'm also waiting on a refund from the money I paid during covid on my newer loans. I was told it would take up to 90 days. It's been way longer. I really appreciate your help with these issues. I am lost on what to do. 

Sincerely, XXXX XXXX last XXXX of ss # XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: First Data Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2019 I had fraud to occur on my account with Money Card Network. I went to the store to buy something and my card was declined. I logged into my online profile and seen that all my pay check was gone. There was only XXXX cent in there. I checked the transactions and I saw that XXXX had came into my account for the following : two transactions for XXXX, two transactions for XXXX, two transactions for XXXX, one for XXXX and five for XXXX. I called XXXX because I remembered receiving and email telling me to change my password, there was a breech in security. The representative looked up the transactions and stated they were canceled on their end. I then called Money Network and advise representative and I have spoken to XXXX and they said the transactions had been canceled. The representative stated I would have to wait to see if the transactions were refunded within 7 days before I could do anything, and I did. The transactions were not refunded. I filed a dispute for the unauthorized charges, but was told my dispute was declined because I had used XXXX before and I failed how this is fraud. I called the customer service number and advise the Supervisor that on the day these transactions occurred, I called XXXX and Money Network immediately. I was told to send in a letter of appeal addressing the reason why I used XXXX before, and way these transactions were not mine. I did and my claim was still declined. That money was for my car note and I was put in a financial bind when and occurred, and what is even or upsetting is that Money Network is denying my claim wrongfully and not helping me get my money back. Just because I made purchases at XXXX before do not mean every transaction that comes thru from XXXX is authorized by me. I read views online and they do this all the time. I am will not stand for this and I will take every legal action I can.

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 2023-04-07
Company: Source Receivables Management LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Im  making this complaint against SOURCE RECEIVABLES MANAGEMENT for identity theft. I have never given SOURCE RECEIVABLES MANAGEMENT any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until SOURCE RECEIVABLES MANAGEMENT can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and SOURCE RECEIVABLES MANAGEMENT continues its collection efforts, I will file for litigation for actual damages caused and SOURCE RECEIVABLES MANAGEMENT will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: First Credit Services Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, my XXXX y/o mother suffered a XXXX. She was bed-ridden at that time and has/will be under constant professional medical care for the rest of her life. A few months later, I started receiving phone calls from the XXXX XXXX XXXX located at : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, TX XXXX. I informed them about my mother 's condition, and that I was in no way responsible for her actions or for any signing of any contract. ( SHE had purchased the 2 memberships in hopes of helping me & my husband ) These calls came repeatedly, and repeatedly, I informed them of the circumstances. 
Last week I received a Debt Collection Letter from : First Credit Services , Inc. ( FCS ) ( XXXX XXXX XXXX. XXXX, XXXX NJ XXXX XXXX ) demanding {$400.00} for a " GOLD 's GYM PHASE 2 '' creditor. Account nr. XXXX. 
How can an well established business conduct such erroneous behavior? ( retorical ). Is there anything you can do to XXXX XXXX XXXX in XXXX XXXX, Tx.? I will be sending a, " dispute of validity, '' to FCS tomorrow and do not expect any further repercussions since there is no signed contract. However, if there are problems, are there other avenues you or I could pursue? 
Thank you in advance for any/all help you can help me with in this matter. 
Regards, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
XXXX acct number i overpaid this loan by XXXX k trying to pay off the 2015 sienna, the refund of overpayment has been promised back to me on 3 separate occasions as i have to go intoa dealer to handle the transaction, my loan is going 30 days late, nobody is helping me, please refund the full overpayment of approx XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Experian Information Solutions 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2018-09-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred to JP Morgan-Chase by my current servicing provider, XXXX. I received a notification about this change less than five days before the change from XXXX, and a notice from Chase the day OF the supposed payment change. 

I want nothing to do with JP Morgan-Chase - they are a company known for committing significant mortgage fraud - billions of dollars worth - and I have a moral conviction to not do any business with them. I attempted to contact them, however their customer service lines all hang up on you without letting you speak to anyone. 

I refuse to do business with a morally bankrupt institution such as JP Morgan Chase. What are my options to prevent the transfer of my loan, or move it to a company that isn't filled with blood sucking leeches?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX i disputed this bill with Consumer Financial Protection Bureau, and it was removed by Paragon Revenue Group. This bill was re-added to my credit report from you on XX/XX/XXXX for {$2500.00} and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX, but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 
Sincerely, XXXX XXXX Previous Case from CFPB XXXX Also

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
State: LA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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