BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
State: DC
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:
EQUIFAX is unlawfully reporting an unauthorized inquiry on my consumer report. I have not given EQUIFAX permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 

You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By putting inaccurate information on my consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, EQUIFAX are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with XXXX XXXX XXXX XXXX XXXX 

Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX XXXX XXXX XXXXXXXX for review or collection. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
yes my name is XXXX XXXX and my complaint is with USAA. I fell victim to fraud I filled out an ad online through XXXX thinking it was a build your own business kit and it turned out to be a scam. First they want to hold me responsible for paying the overdrawn balance I feel as though that is not right for me the customer having to pay for the wrong doing to me by someone who committed fraud on behalf of my checking account. Now they are reporting to the credit bureau about this incident. I 'm a XXXX and me getting treated like I 'm the criminal is very unacceptable I feel as though that the balance should have been written all I was able to continue to use my account because my military pay for XXXX my tax return the month of XXXX in the month of me my military pay has been garnished because they said that I had to pay back the overdrawn balance and it was over {$5000.00} of my money that I work hard to make has been garnished trying to please USAA not knowing that my money was being garnished for me being victimized of fraud or my account being compromised. I would greatly appreciate it if I can receive a phone call and or an email about this situation and I can fill you in with more details about what took place because I would like to have the money that I put it in the account by me being the XXXX back. that 's all that I want from USAA is my money the money that I made on a monthly basis with the XXXX in my tax return I want my money back if they ca n't compensate me for what has been taken from me due to being victimized a fraud then I want to take them to court behind this matter I think is very unprofessional and very degrading and very disrespectful to treat a customer like he or she is the criminal that was done to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: Navient Solutions, LLC.
State: VT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My son attended XXXX XXXX 10 years ago, my parent student loan was for approximately {$18000.00}. At that time, ( obtaining the loan ) I just filed bankruptcy and was skeptical about proceeding but was assured there would always be additional options in the future to assist me with if I was to struggle with the payment. I was struggling and I phoned XXXX XXXX and Navient to see if about the additional assistance to help me with repayment of this loan was, they said my only option was forbearance or interest only, each time I called. needless to say 10 years later my loan principle is now {$23.00}, XXXX. I used forbearance a couple of times but when the forbearance was over the payment was too much and I was only able to do interest payments. I feel as though I was taken advantage of and was misinformed of my options. When I first obtained this loan I just filed bankruptcy and was unsure if I would be able to handle the additional burden but I was assured XXXX XXXX would always have my best interest in mind and will work with me if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
We missed a couple payments on our HELOC around XX/XX/XXXX. We were attempting to short sale our home. We stabilized and began making full monthly payments around XX/XX/XXXX but did not get the arrears caught up for 10 months but we made full monthly payment for the full monthly amount due. The company reported to the credit agencies that we missed XXXX payments. They said they had the right to do that because the arrears where not current. They kept applying the new payments to the ones in arrears and reporting late payments for the current months we were paying. Do we have any protection from the law regarding this and if so what is the legal statute, where can I find it please? Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
In XXXX of this year I received a collections letter from Diversified Consultants stating they were collecting for XXXX. In XXXX of XXXX, I made arrangements to have payments taken out of my account automatically. So, I was concerned that this company was just trying to collect money from me. So, I sent a letter requesting validation of the debt. Specifically asking for them to prove that XXXX gave them permission to collect on this debt. They received my letter on XX/XX/XXXX of XXXX. They sent back to me a bill from XXXX. They did not provide what I specifically asked for. In good faith and just to resolve the issue. I had sent them a check for the full balance. 

Today I received an email from XXXX that they have added this account which is STILL IN DISPUTE to my credit report dropping my scores over XXXX points. I called this company and asked them how did they have a right to add this account to my credit report while the account was in dispute with their company NOT ATT. 

They told me they would not remove this account. So I told them not to cash my check if they do not plan to remove the account from my credit profile. 

They were rude, unapologetic, and simply did not care at all about the fact that they had profoundly affected my life. 

This company is a predator. I have a right based on the FDCPA and the FCRA to ask for verification and VALIDATION of anything reporting on my credit report or anyone asking me to pay them that I do not have a contract with.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Credit card
Issue: Billing disputes

Complaint:
I have been trying to resolve a credit card dispute with USAA since XXXX XXXX. The original dispute was XXXX {$100.00} transactions, now it is XXXX -- USAA has duplicated a disputed transaction! I originally filed a fraud complaint, but was told by USAA they should have been handled as disputes. Since then, these actions have been bounced back and forth between internal departments, and credits made and then reversed leaving me with an additional disputed {$100.00} along with the accumulated cash advance finance charges of {$3.00} as of this writing, totaling {$300.00} as of XXXX XXXX XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sincerely implore you to take immediate and decisive action to remove the unauthorized inquiry from my credit report without any further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
There are phone numbers and accounts showing poor when I am not in bad standing my credit has not been able to get above because of this information provided

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 2017-09-26
Company: BTH Management
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XXXX XXXX I received a notice/ not an actual debt validation letter with proof like contract, signature stating that I owe XXXX to check into cash way back from XXXX XXXX. I have already contacted XXXX to dispute and delete this from my credit report they sent a notice/ bill no contract proven that I gotten this loan ...

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/2021, I sent NATIONAL CREDIT SYSTEMS , INC 2 LETTERS ( ONE TO MAIN AND CORP. OFFICES ) REGARDING THE ALLEGED DEBT OF XXXX THAT I DO NOT OWE.IT HAS BEEN OVER 30 DAYS AND I HAVEN'T RECEIVED ANYTHING FROM THEM CONCERNING THIS INACCURATE INFORMATION. ( 1 ) a copy of a contract or agreement that created the alleged debt that you are attempting to collect, ( 2 ) an itemization and accounting of all exact amounts that you are collecting for the total balance, ( 3 ) if any amount is due to property damage, then a comprehensive list of any damage done to the premises that is the basis for any charge and true repair bill or estimate dollar value of the repair, and ( 4 ) if any security deposit was retained to offset the balance, proof of mailing of any statement of charges detailing the reason for withholding deposit funds and proof of the letter mailing date. Any contract or agreement sent must be with the original creditor and signed by all parties to it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I opened a US Bank credit card to make a specific purchase due to the great introductory offer they advertised ( 0 % interest until XX/XX/XXXX ). Now that I am ready to make the purchase, the card continually declines even though my available credit more than supports the charge. I have made multiple phone calls since XX/XX/XXXX to try to get the charge to go through with US Bank, spending almost 3 hours of my time at this point. I have been disconnected, transferred, given different phone numbers, and yet no one has been able to assist me in getting the charge to go through. At this point, it feels very much like predatory lending as I have fulfilled my obligations but US Bank has not fulfilled theirs. I would like assistance in remediating this issue in a timely manner.

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 2022-08-03
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
XX/XX/2022, I received a phone call around XXXX XXXX stating that I had a debt with XXXX XXXX XXXX, Reference number is XXXX, I do not have any responsibility for the debt youre trying to collect. XXXX XXXX XXXX If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
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: Their investigation did not fix an error on your report

Complaint:
Filed a dispute with the 3 credit companies last year. they didn't remove everything. I've had problems trying to get credit because the stuff is still showing up on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The collection agency is trying to collect debt that I do not owe. I had and currently still have medical insurance for the dates of service. The medical facilities did not notify me of any kind of debt nor did they bill my insurance instead they sent me straight to collections without me knowing and now due to interest the account is tripled. The medical groups are wrongfully billing and affecting peoples credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have communicated several times to  Professional Bureau Of Collections of Maryland representatives to DO NOT CONTACT me at work. This collection agency   has been requesting a copy of my credit report and I currently do not have a reported debt with this agency. I have NOT received any written notification of any debt that is owed, yet this company keeps calling from a multitude of different numbers on my office phone and is now going through the operator switch board.

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 2017-04-26
Company: CNG FINANCIAL CORPORATION
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a loan with  Allied Title Lending LLC d/b/a  Allied Cash Advance on  X/XX/15    in the amount of {$1200.00}. I have paid {$3800.00} and I still owe {$930.00}. At the time I had no idea that the interest rate was 273.75 % They never told me, but apparently I signed a contract without really reading it. I 'm on  XXXX  and at the time I had lost my job and was not able to pay my mortgage. So I borrowed the money.     Call for Action tried to help me, but the manager,  XXXX   XXXX  for  Allied, Cash Advance,   XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX , VA  XXXX ,  XXXX   XXXX   XXXX   XXXX  was instructed not to talk to them and has hung up repeatedly and turned the phones off.     I feel like this was deceptive, Had I know the interest rate was 273.75 % I would have never taken out the loan.     Can you help me with this? At this rate I will never pay them back, and they were paid 3 times the amount that I borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Santander Consumer USA Holdings Inc.
State: TN
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:
Its inquires I know nothing about someone said someone was trying to get cars and furniture under my name XXXX XX/XX/XXXX Santander consumer XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX bank XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX. XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My social security card was lost and my number was used to open up a line of service with  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: SUNTRUST BANKS, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I purchased a car   XXXX   XXXX   XXXX   on  XX/XX/XXXX  from  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . Unbeknown to me a the time,  XXXX  transferred my car loan to  Suntrust  Bank. After quite a few problems with the car, I decided to trade in my car and purchase an  XXXX  ( more reliable car ) from   XXXX   XXXX   XXXX   XXXX   XXXX   in    XXXX   XXXX   , and offered my  XXXX  ( loan held wit h Suntrust )   as a trade in.  XXXX  contacted  Suntrust Ba nk twice to enquire payoff amount on the SLK ( on t he day I thoug ht of trading in the car and the actual day of the trade in ( which is weeks apart )  XXXX   was to ld by  Suntrust that the p ayoff amount was {$25000.00}.  XXXX  paid the amount requested fro m Sunt  rust Bank and Suntrust Bank filed a lien satisfa ction to  XXXX  for the  XXXX .  Suntrust Bank later co ntacted  XXXX  and outright lied stating that they did not say {$25000.00} they said {$35000.00}.  XXXX   XXXX   XXXX   XXXX , told  Suntrust Bank  that was NOT the amount they stated and advised Suntrust Bank to listen to their voice recording and not to tamper with the recording ... or else.  Suntrust Bank later g ot back to  XXXX  and told  XXXX  that they DID, indeed, said the payoff amount was {$25000.00} . Suntrust Bank  then contacted me for {$10000.00} which I knew I did not owe as I only had the SLK for under 24 months, not 72 months, and  XXXX  had already paid the payoff amount requested by  Suntrust Bank an d my obligation was satisfied. The only amount owed by me was to  XXXX  for the  XXXX .  Suntrust Bank th en filed a lawsuit against me for the {$10000.00} and after realizing they had a " losing case, '' as I had all the pro of. Suntrust Bank requested a v oluntary dismissal from my attorney. This dismissal took place on   XXXX   XXXX   XXXX  . However, since that time  Suntrust Bank has r efused to remove my name from the major credit reporting agencies which has damaged the excellent credit rating I had prior to  Suntr  ust Bank incompetence. Suntrust Bank also sent me a  Cancellation of Debt (  XXXX  ) for the {$10000.00}, and I paid the taxes to avoid any problems with the IRS.  Suntrust Bank is an inept, inco mpetent, repulsive bank with numerous amount of online customer complaints which proves just how unfit this bank really is.

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