BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-20
Company: NCB Management Services Inc.
State: FL
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 received an alert on my XXXX app on XX/XX/2023 that a XXXX  hard inquiry was pulled from my report. I did not XXXX for any XXXX credit card and reported this as fraud to the XXXX bureaus. We placed a freeze on my report and setup up fraud alerts. Please have this inquiry removed as it was not from me. 
There is also a collection account NCB management services ( XXXX ) that is also displayed on my XXXX and XXXX credit reports. This is also not my account and needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: PNC Bank N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 account with PNC was closed in XXXX of 2019. Since then this account has reported inaccurate negative information on my report. I have disputed the 30 days late payment that is showing on my report multiple times and have tried reaching out to PNC and all the credit reporting agencies. PNC tells me to dispute with the bureaus and the bureaus tell me to dispute with PNC. They are giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: Shellpoint Partners, LLC
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Shellpoint Mortgage Servicing has failed to send statements/bill notices on XXXX occasions, once in XX/XX/XXXX, and again for XX/XX/XXXX. They are unavailable for contact by telephone, and have the usual convoluted call director that ends up on a " forever '' hold. They do n't accept online payments. It is my suspicion they are trying to set up some additional fees by charging for late payments. We had a similar problem prior to our HARP II refinance with XXXX Mortgage.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Experian Information Solutions Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Upon reviewing of my records, the following account is erroneous. I did not incur any late payments. Ive made every payment on time. Please remove it from my credit report. 



XXXX XXXX XXXX / XXXX / {$350000.00}

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 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Upon reviewing of my records, the following account is erroneous. I did not incur any late payments. Ive made every payment on time. Please remove it from my credit report. 



XXXX XXXX XXXX / XXXX / {$350000.00}

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 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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, the following companies have violated my rights as a consumer : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX 15 USC 1681 section 602 ( A ) states I have a right to privacy.

15 USC 1681 section 604 ( A ) section 2 states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me ( consumer ) to have anything written on my credit report and I never gave authorization for that.

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 2022-07-19
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:
I checked my credit report & noticed unauthorized hard Inquires from various dealerships & other companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: BCA Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I sent a debt verification request via certified mail on XXXX/XXXX/15 and BCA financial did not reply to my letter within the XXXX days time frame. Because they are unable to verify this debt is mine by law they need to delete all negative information from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08
Company: Credit Service, Inc
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from CREDIT SERVICE I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CREDIT SERVICE in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity XXXX. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was trying to get an XXXX loan that had to be done XXXX. I was told by my bank that needed to unfreeze my credit report with Experian. I first went to the website because I did not think I had a freeze on there ( but had one before ). It said that I did not have a freeze. I tried to turn off the freeze anyway and the site would not go through to make that happen and it did not say there was an error and the account was not froze. I spent 2 hours trying every prompt there was to get a live person on the phone and it did not work. When I said representative it said that it was not able to forward my call unless it was under certain circumstances. But it never said what circumstances. I then called Experian corporate offices in XXXX XXXX, CA and XXXX, IL. They would send me back to the phone number. When I called them back to say no there is no live person to talk to for my particular problem. They said well I can't help you. I kept calling them back hoping to get a different person to help me and then they were hanging up on me! I was not angry with them I just said it was very important and I had to have this done right away. This is very poor service and phone prompts. Sometimes it is necessary to get a live person. These companies are like the IRS, they can break you and your life and it does not matter how people are treated/helped! This needs to change. Please 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 2015-04-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Last week I applied for a used car loan at my financial institution, USAA. I asked for a loan up to {$15000.00} but also told the loan processer at USAA that I hoped I would need a loan for less than $ 15K after we finished negotiations on the car. I was quoted a rate of 2.75 % for this loan. 
After concluding negotiations with the owner of the vehicle for the sale at {$13000.00}, I gave the owner my personal check for {$1000.00}, so the remainder needed for a loan was {$12000.00}. I called USAA to execute the loan, but was told that for any amount less than $ 15K, the interest rate would be higher than 2.75 %. Because of the higher rate, I complained and spoke to several different people in USAA 's loan department, resulting in rates quoted from 4.75 % down to 3.2439 %. They still refused to give me the rate originally quoted of 2.75 %, even though I have a screen printed from their website showing the 2.75 % rate for my loan. They claimed that if I would take the $ 15K ( or higher amount ) loan, I could still get the 2.75 % rate, but for any lesser amount, the rate would be higher. This makes no sense at all, since their risk for a smaller loan amount is less than with the larger loan amount. 

This is nothing more than a classic " bait-and-switch '' tactic. If this was a disreputable loan shark, I might understand their tactic, but for USAA, I did n't expect such dishonorable and dishonest behavior. They should be prosecuted for their " bait-and-switch '' tactic to the fullest extent of the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Healthcare Receivables Group, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I received a call from healthcare receivables stating I owed a debt, when they asked if I was who I was and what my DOB was I would not provide them that information and they would hang up. They called me once a week for about 3 months. Every time they called I asked for them to validate who they were and where they were calling from, each time they would say we cant release that information until we know its you I never once received anything in writing stating who they were or where this debt came from. On XX/XX/XXXX I sent a certified letter, a debt validation letter, asking them to send me an itemized bill along with a contract that I signed stating that I had the debt they were claiming I owed. It has been over 30 days and there has been no contact from Healthcare Receivables.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: Hillcrest Davidson & Associates
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
hi there i called this comapny on XXXX and told them i do not owe the amount of XXXX there but they said you do i then said i have proof on my online account with my account number its paid in full there still refusing to take that info there and close out the account then i was put on hold and the line hang up on me there fore im not sending any money into this place after i have proof i have paid them in full i paid them on XXXX in the full amount so my words are they are not going to see any funds from me becasue my end and i have proof its paid i want it removed from the collection ageny asap there

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18
Company: Diversified Consultants, Inc.
State: MS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
My ex partner XXXX XXXX XXXX used my social security number and made several purchases and inquiries on my credit. I have followed up with the creditors and nothing has happened to date. This is still on my credit reports and is affecting it negatively. There are several more collections and accounts that also do not belong to me that he made. I am currently disputing them also.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: Academy Mortgage Corporation
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Closed mortgage loan #  XXXX  on   XX/XX/2017   property address  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CO  XXXX . Mortgage held with  Academy Mortgage Corp.  They cash a check for the amount of {$2100.00} on th e  XX/XX/2017 .      Academy sol d loan   XX/XX/2017   to  XXXX   XXXX ,  XXXX  took over the servicing.  Academy failed to  apply the payment to the loan prior the the sale leaving me and  XXXX  and the new servicer with the incorrect balance.     Academy Mortgage the applied a payment of {$2100.00} with a  date  XX/XX/XXXX . I w ant you to do a full investig  ation of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: Diversified Consultants, Inc.
State: NY
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:
Sent validation request to collector and did not receive a response within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: EQUIFAX, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Upon reviewing of my records, the following accounts are erroneous. I did not incur any late payments. Ive made every payment on time. Please remove it from my credit report. 



XXXX XXXX  XXXX / {$970.00} XXXXXXXX XXXX XXXX XXXX / {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
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:
FCRA violations : payments never late XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/2022 Balance - Status Paid, Closed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
In XXXX of 2018 chase didn't charge the right account and it gave me a late payment. It was only a minimum payment of less than {$90.00}. On all of my scores I never miss a payment and it affected my credit score a lot. I didn/t even realize there was a problem with payment or that I was late. Can I please get that strike taken off of my account I am a great customer and never before or after been late. I really did not know and would be so appreciative if we can resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
XXXX reported my account to XXXX. I received the letter and disputed the balance XX/XX/XXXX. I was told by collection agency that they would forward information to XXXX and i should receive itemized bill of charges. Now, I just learned my account has been turned over to another collection agency called Diversified Consultants which was exactly a month later. I never received correspondence of the change in collection agencies. I was still under the assumption that my account was still with XXXX and i was waiting on follow up correspondence from them and XXXX. This new collection agency never sent me a letter that the account was turned over to them, never received any notification. Therefore, they violated my right to dispute the balance. Now, the balance they have is {$2400.00} and the balance with previous agency was {$940.00} which is a big difference.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My wife keeps getting harassing phone calls on her cell phone from Diversified Consultants, Inc. We do not owe any debt yet they keep calling her despite being told that she is not the person they are trying to contact!!. Now they are even calling her cell phone!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX PORTFOLIO RECOVERY ASSOCIATES XXXX PORTFOLIO RECOVERY ASSOCIATES ATTEMPT TO COLLECT A DEBT THAT WAS ALREADY REMOVED FROM MY CREDIT. THE ORIGINAL DEBTOR REMOVED THE DEBT AFTER I EXPLAIN THAT THE AMOUNT WAS TWICE THE CREDIT LIMIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24
Company: Santander Consumer USA Holdings Inc.
State: CT
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have received three emails over the past 2 months from Santander Bank assuming that I am a customer and directing me to login to access my account. The emails are legitimate and not spoofed. However I am NOT nor have I ever been their client. I checked my credit report for any unauthorized accounts and nothing shows up so far. I called the bank and explained the situation and they couldnt find an account either. They said to simply ignore the email which I tried after the first two messages.

This is unnerving and I consider it harassment at this point. I request that this matter be investigated and brought to a definitive conclusion so that I stop receiving these inaccurate communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: RI
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
On XXXX XXXX, 2016 XXXX XXXX XXXX, Executor of the XXXX County Florida Estate of XXXX XXXX deposited {$40000.00} into USAA checking account # XXXX from the account of the Estate of XXXX XXXX at XXXX XXXX XXXX. The purpose of the deposit was to use most of the funds to pay me for my 14 months of consulting services, expenses, travel and loans to XXXX XXXX at his pleading in successful pursuit of his claim as beneficiary of the contested handwritten Will written just prior to XXXX XXXX XXXX. 
The deposit was made via photo image in telephone consultations with a USAA representative. XXXX XXXX authorized direct payment of my credit cards totalling {$26000.00}, Additionally he issued USAA check # XXXX dated XXXX XXXX, 2016 for {$9600.00} for a combined total of {$36000.00}. Credit Card payments : XXXX : {$990.00} paid XXXX/XXXX/16 XXXX XXXX : {$1400.00} paid XXXX/XXXX/16 conf code XXXX XXXX : {$8800.00} paid XXXX/XXXX/16 trans XXXX XXXX : {$3600.00} paid XXXX/XXXX/16 XXXX : {$4500.00} paid XXXX/XXXX/16 XXXX : {$3300.00} paid XXXX/XXXX/16 XXXX : {$1800.00} paid XXXX/XXXX/16 XXXX XXXX : {$1600.00} paid XXXX/XXXX/16 On XXXX/XXXX/16 all credit card payments were rescinded by USAA without notice to me. Dishonoring an item properly payable is a violation of XXXX also bringing responsibility for consequential damages proximately caused The check was deposited at XXXX XXXX on XXXX/XXXX/16. It was returned as " unauthorized '' on XXXX/XXXX/16. 
XXXX XXXX will not return my calls. My demand letter to USAA 's legal department resulted in a call from a representative named XXXX XXXX @ ( XXXX ) XXXX. On XXXX/XXXX/16 she informed me that XXXX XXXX claims the payments were not authorized. That closed the matter for USAA without further details due to legal privacy considerations. 
Clearly the payments were authorized or USAA would not have paid them initially. XXXX XXXX changed his mind 3-4 weeks after final payments were made under his authorization. If USAA investigated in any meaningful way it did not include contacting me to hear my side of the story before taking such a drastic and harmful step. 
Regarding the stop on the check I do not believe it was in compliance with UCC 6A4-403 or confirmed in writing within 14 calendar days as required. This is not only a breach of the contract represented by the signed check but a criminal offense of obtaining money/services under false pretenses. 
My remedy is reinstatement of the credit card payments, payment of the check, payment of proximately caused interest, late fees, emotional distress and damage to my credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I originally sent a dispute letter dated XXXX/XXXX/15 to Trans Union. I then received a reply from them dated XXXX/XXXX/15 thinking that my dispute letter did not come from me and now they want a power of attorney. I even attached a copy of my driver 's license with my dispute letter and a copy of a utility bill. How are they determining that this information is not sent by me?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: EQUIFAX, INC.
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:
In accordance with the Fair Credit Reporting Act the following companies have violated my rights : XXXX XXXX XXXX {$300.00} XXXX XXXXXXXX XXXX  {$380.00} XXXX XXXXy {$630.00} XXXX {$910.00} XXXX XXXX XXXX  {$250.00} XXXX XXXX XXXX {$300.00} XXXX XXXX  {$380.00} XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX {$910.00} 15 U.S.C 1681 Section 602 A states I have a right to privacy.

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

Company response to consumer: Closed with explanation