BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-26
Company: FORD MOTOR CREDIT CO.
State: NJ
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I leased a car in XXXX. My down payment and first payment were billed to my credit card. I received a call in XXXX regarding non payment of my XXXX bill. I had several communications with ford credit regarding not receiving the invoice. I never received it until XXXX XXXX. I Mailed payment XXXX. They acknowledge receipt XXXX. I was reported to credit abuse despite my repeated calls. They also admit repeatedly that they have a problem with they 're " account manager " ( that still exists as of today ). I did n't receive an invoice for XXXX, but sent a payment which they acknowledge receiving. While the account overview states that my account is upto date and my next payment is due XXXX, the account manager and an invoice I received TODAY states that I owe payments for XXXX and XXXX and again threatens my credit. I have spoke to multiple " supervisors '' who have ensured resolution, but none has occurred. I spoke today to another supervisor who again acknowledged that the account manager is not working properly. The general manager from the dealer, who I have worked with has been helpful and equally frustrated about the lack of resolution. This should have been resolved long before now and my credit should not be threatened if multiple people at ford credit admit that they 're account manager is not working properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
attempted to settle for less than balance due approx. 6-7 weeks ago. usaa refused my offer & ended negotiations. I asked if there was a waiting period to call back to attempt to settle again. customer service rep stated no. I called back yesterday for the first time since my original attempt & rep refused to speak with me stating I was n't eligible at this time. I asked what that meant, rep refused to disclose reason. I requested supervisor & was refused. I warmly disconnected, called back to reattempt to find out reason I could n't settle, & a second time I was told the same thing. I requested a supervisor call me back, I still have n't heard back. My complaint is I 'm trying to settle debt and usaa refuses to speak with me about it. I do n't understand why as there is no pending litigation & no cease & desist order in place.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26
Company: American First Finance, Inc.
State: WA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
When I obtained the loan I was told one monthly price in reality it was biweekly. I requested auto pay to be stopped they sent me an email saying it has been stopped but yet the company American First Finance kept billing me. in one day I had XXXX transactions that where not authorized each transaction was over {$75.00}. This company does whatever it wants and will not change unless someone stands up and says you must obey the laws that you are governed by.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WV
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
USAA Savings Bank, without prior notice, sent a letter reducing my {$20000.00} credit card to a {$500.00} limit. My last known XXXX score was XXXX. I have a significant net worth. This action was without warning and received the day I was leaving town for an extended trip. I do not believe I ever had a {$500.00} credit card during my 42 year career as a XXXX. What does the average person do???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX , XXXX TX XXXX Address - Single family This item was removed from your credit report. Please review your report for the details. 
View your Report | View your credit score Deleted + 'icon ' Deleted XXXX XXXX XXXX , XXXX TX XXXX Address - Single family This item was removed from your credit report. Please review your report for the details. 
View your Report | View your credit score Deleted + 'icon ' Deleted XXXX XXXX XXXX XXXX, XXXX TX XXXX Address - Apartment complex This item was removed from your credit report. Please review your report for the details. 
View your Report | View your credit score Deleted + 'icon ' Deleted XXXX XXXX XXXX XXXX, XXXX TX XXXX Address - Single family This item was removed from your credit report. Please review your report for the details. 
View your Report | View your credit score see attachments of the fcra violations

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 2022-06-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
My name is XXXX XXXX. On XX/XX/XXXX, I sent {$5000.00} via a check from JP Morgan Chase to my father 's account in XXXX XXXX XXXX ( see attached document ). On XX/XX/XXXX, my father 's XXXX XXXX XXXX account was closed, and the {$5000.00} was sent back to Chase via a cashier 's check ( see attached document ). Along with the check, XXXX XXXX Bank also included a copy of my original check from Chase to XXXX XXXX XXXX, and a letter to instruct Chase to return the money to the original depositor ( me, XXXX XXXX ). Chase cashed out the cashier 's check in the full amount of {$5000.00} on XX/XX/XXXX ( see the back of the cashier 's check for endorsement from Chase ). However, this {$5000.00} never reached my account. I called Chase, and they refused to acknowledge that the check was received ( which is clearly false ), and advised me to let XXXX XXXX XXXX issue me another check. I then called XXXX XXXX XXXX, and they said that the check had been cashed out, and it was not possible to issue another check. So I called Chase again, telling them the routing and account number, but Chase again refuse to acknowledge this check. I even escalated with Chase and spoke with a supervisor, who refused to acknowledge this check either. I have voice recordings of these conversations and can provide them upon request. I respectfully request JP Morgan Chase to take a look into this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-10
Company: Stevens Business Service, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A new collection was put on my credit report by the Stevens Business Service which does not belong to me. The company originally put a collection on my XXXX  account and now they put one in XXXX. Both have been already disputed by me. I never received any details or information prior to them putting the collections in my credit reports. I also already sent a written mail to the company last XX/XX/2022 indicating that this debt in the amount of XXXX for an account number ending in XXXX is not mine and that this is because of identity theft and that they should remove all claims from all my credit reports- which they never did. I never lived in XXXX XXXX nor have I ever had an account in XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: Diversified Consultants, Inc.
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I severed my services rendered by XXXX communications. I paid for all monthly services delivered by XXXX and set a date to end my subscriptions. XXXX alleged that I was under contract and would have to pay fees. I did not acknowledge any such agreement to be in place and asked for proof of said contract. None was given. XXXX failed to end my subscription in which I have correspondence lending to the fact of the date it was to expire. They pursued charges related to their own neglect in the matter and assessed fees associated with a contract in which I have no knowledge of. My refusal to pay the combined alleged debt gave cause for them to turn the matter over to DIVERSIFIED CONSULTANTS, a debt collection agency. I have no affiliation with this group and they have made no considerations on my behalf warranting any type of communication. I ignored all attempts of communication by DIVERSIFIED CONSULTANTS. In the month of XXXX, 2015, DIVERSIFIED CONSULTANTS reported the alleged debt. As a result, my XXXX score went from XXXX ( reported XXXX ) to a XXXX as reported by my bank when I inquired about a loan. I entered a dispute with XXXX which was denied without detailed explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: EQUIFAX, INC.
State: IN
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:
Being a victim of Fraud and Identity theft. I recently pulled my credit report and the accounts being reported are inaccurate and I havent had these accounts. Public Records Bankruptcy. XXXX XXXX. 

HARD INQUIRY XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
These companies have improperly add information to my consumer report according to 15 USC 1681- ( 2 ) ( A ) ( i ). ( 2 ) EXCLUSIONS- ( A ) subject to section 1681s-3 of this title, Any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Which means it's a violation of the FCRA to report " Late payments '' as that is a transaction.

( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX, TRANSUNION, AND XXXX  ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.

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 2016-11-23
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I obtained my credit report and It shows I have a debt of {$110.00}. I had a zero balance on this card and I thought the card was closed. I called to try and dispute the debt. I got in contact with XXXX ... I just wanted the information to dispute the debt. I told him that I am recording the call also and he hung up in my face. I called back and received XXXX again to dispute the file. He said that I came to them for the card and that is the reason that I ca n't record him. I asked for his XXXX and he said no. If I did n't like the rules he can forward me to the XXXX vice president and I can complain to him. I am disputing this debt and I asked him for the information in which to dispute the debt.. He hung up in my face again.

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 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I called TransUnion dispute items on my credit report. They sent me a copy of my credit report and to have items removed, inquiries that I did not make. I had three XXXX  and I'm not really savvy that computer I appreciate your help

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 2022-06-03
Company: Experian Information Solutions Inc.
State: IN
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:
Being a victim of Fraud and Identity theft. I recently pulled my credit report and the accounts being reported are inaccurate and I havent had these accounts. Public Records Bankruptcy. XXXX XXXX. 

HARD INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-04-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I booked a vacation rental on a well-known website ( XXXX XXXX ). The person who posted the vacation rental falsified the website 's documents and sent me an invoice that appeared to be from the website to pay by wire transfer for the rental. I sent the money via my bank wire transfer, and I referenced the company ( XXXX ) and the company 's address which I verified before sending. After I sent the money, XXXX XXXX contacted me stating that they received word that this person was scamming their customers by sending invoices that were not legit. It was too late at this point, my money had been sent. XXXX XXXX refuses to assist me in getting my money back as they say I have to book through their website, which I thought I was doing because I was paying XXXX XXXX directly. My bank tried to recall the wire, but the beneficiary refused. I do n't think a wire should be able to go through if the name and address that are referenced are not those associated with that account. There should be some sort of verification process that keeps that from happening. I am now scammed out of {$1000.00} and a place to stay on our vacation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: MB FINANCIAL, INC.
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, I received a letter from MB Financial Bank that was dated XXXX XXXX. This is relevant because it was time-sensitive. I was given 30 days from That date to respond. The letter was regarding Unclaimed Funds / Property that was due me. They asked for verification of my address and last four digits of my SS #. On Monday XXXX XXXX, I called and spoke with Customer Service, as well as a woman IN the XXXX department where the letter originated. I was assured that upon receipt of verification of my information and copy of State ID, that I would indeed be sent the check. I sent all info in the envelope They provided with their address including Dept. name XXXX. I know it was received. I called this morning to inquire. They would not speak to me, but Through Customer service, Denied they had even heard of me. The information I sent also included my phone #, e-mail address, and foolishly, a copy of my SS card .Customer service said they would " call me ''. I was ON the phone! why would they not only deny knowing anything about the letter, but not have the courtesy to speak to me. Tomorrow will be 30 days from the date of MB 's letter. I do n't want them claiming I did not respond in time. And shared this concern with the customer service woman., who assured me she would make sure that would not happen. She seemed as baffled as I am. In my conversation with the woman in XXXX on XXXX XXXX, they even told me where, locally, I could pick up the money. It had been sent, along with other deposits to a local Check Cashing store. Before I sent the information, I brought the letter to the store. They said the check was returned quite some time ago, and the bank should send it to me. In MB 's letter, was also included the ck. #. THEY contacted me, so why now are they denying all of this.?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a bankruptcy showing on all 3 credit bureaus and I've asked them to verify and provide how that information got on there and they've ignored me and violated my rights by reporting that. I've spoken to the court and they clearly state that they do not report that to any credit reporting agency as you'll see with the attached information from the courts website. 
Experian XXXX XXXX Bankruptcy XXXX Ref # XXXX XXXX XXXX XXXX Bankruptcy Ref # XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX Ref # XXXX To my knowledge this is a FCRA violation, am I correct? I want these accounts deleted immediately under the law that says I have a right to privacy ( 15USC 1681 602A )

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 2015-07-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The original debt of {$16000.00} # XXXX with original creditor XXXX currently held by collection agency " Portfolio Recovery Associates '' WITH XXXX ACCOUNT NUMBERS WITH THEM # XXXX & # XXXX for the THIS EXACT SAME DEBT is time barred meaning the California statue of limitations has more than exceeded ( over XXXX-years ) the time to collect and or sue for. The problem is also that this same debt When I called them up to tell them this that 's the first thing they tell me at the beginning of the phone call meaning that this debt has far exceeded the time to sue and is time barred however when I tell them " Portfolio Recovery Associates '' this they tell me they ca n't remove this from credit report as money still owed to them. I then proceeded to call XXXX credit reporting agency at ( XXXX ) XXXX directly and they did indeed tell me that this debt has been long last the ( XXXX ) year California time statue and is time barred and they immediately removed this from the XXXX credit report. I want to make sure though that they " Portfolio Recovery Associates '' also acknowledge that they HAVE XXXX ACCOUNT NUMBERS ( mentioned above ) that pertain to the same and ONLY DEBT OF {$16000.00} and that they will indeed remove these XXXX NEGATIVE AMOUNTS from NOT ONLY FROM THE XXXX CREDIT REPORTING AGENCY BUT TO ALL OTHER CREDIT REPORTING AGENCIES AS WELL. You can call and confirm with XXXX Credit Reporting Agency as well that this DEBT " Portfolio Recovery Associates '' is indeed time barred and last the California time statue of ( XXXX ) years. XXXX says they have removed this debt as of XXXX/XXXX/15 but want to confirm that BOTH ACCOUNT NUMBERS ( listed above ) FOR THE SAME DEBT ( {$16000.00} ) WITH THIS COLLECTION AGENCY " Portfolio Recovery Associates '' will be REMOVED and NOT JUST THE XXXX ACCOUNT NUMBER.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10
Company: Advance America, Cash Advance Centers, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Advance America contracted a company to collect this debt. The company called my wife 's phone 5 times in a row, and then called my employer repeatedly as well. My wife called back, and she was told they would be arresting me. My wife was anxious and in tears. I called back and spoke with XXXX. XXXX was verbally abusive, and swore at me. I mentioned his tactics being a violation to FDCPA and that I would file a complaint with CFPB. XXXX said to shove the FDCPA up my XXXX, and he 'll file it for me. He called from XXXX, and told me to go to Advance America and pay now, or my XXXX was going to jail.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
Capital One Bank offered pre-approved credit cards by mail with registration code. I applied online and got approved for XXXX cards, XXXX XXXX ( {$300.00} limit ) and a XXXX XXXX card for students with {$500.00} Limit. I charged things and paid off the whole balance on each card less then a week or two after purchase. I applied for a business card and was approved with a {$500.00} limit. Shortly, before the business card arrived, I setup Automatic payments for the current cards. When I attempted to make a payment, which was more then the minimum payment required, they cancelled the account and told me to wait for a letter in the mail. The Business Card arrived and it was cancelled before I tried to activate it! The accounts are cancelled but remain opened for additional payments and I can only pay the minimum balance. This activity has dropped my credit score XXXX points in one month.

Company response to consumer: Closed with explanation