BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-09
Company: D&A Services, LLC
State: MT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a company that is calling me several times a day, on the few times they leave a voice message the say " XXXX XXXX ''. I do not know who XXXX XXXX is? Now, they are calling my Nephew looking for me and they have called him several times. I do not know how they would have his phone number, I never put his number down on anything. I don't know how they would associate me with him. 

My last name is XXXX and my Nephews last name is XXXX. 

The last time they left a message with my Nephew they gave this phone number XXXX. You could not understand the Gentleman 's name that called. I attached a copy of the voice message transcript from my Nephews phone. The first XXXX number on the message is a phone number to a XXXX talk  line. I am not happy about that at all. 

The easy way to reach me is by text or email. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX MT XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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:
On XX/XX/XXXX, XXXX and XX/XX/2021 I filed a disputed with Transunion in regards to XXXX items appearing on my credit report. account # XXXX for {$760.00} account # XXXX for {$1300.00} and account # XXXX for {$1200.00}. I've requested for Transunion to verify the items listed to provide proof that the items mentioned are accurate. Transunion has failed to provide how they verified the above listed item. Transunion only responded that the items have been verified as accurate. However, they have failed to provide me with details on how they verified that the items are accurate.

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 2016-06-23
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX 2016 I closed on the sale of my home and in the process, {$5900.00} was held from my funds and in Escrow to pay off a debt that recorded in judgment. On checking my credit report it was found that this account is reported by this company but all efforts to verify this account has been exhausted and I am filing this dispute to obtain assistance in the verification of ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
I opted sign up for Discover Card 's at 0 % APR promotion which expires on XX/XX/2017. I recently reviewed my monthly statement and online account details to find out the expiry date for the promotion because I could n't recall the date. I found that the promotion expiry is not shown anywhere that the consumer can view : not on the statement and not online. After contacting Discover through their chat function tonight, I was informed that the only way to find out is by contacting Discover. This was really upsetting to me because the only reason Discover would choose to do this is to deceive customer by not disclosing this vital information. When I stated my dislike for the policy I was told that Discover complies with all the requirements in informing the consumer. If that is the case, I suggest an investigation be conducted to see how many consumers have unknowingly had promotional periods lapse only to be hit by usurious rates of 25 % afterwards. 

This is likely a violation of Federal Trade Commission Act Section 5. Deceptive Acts or Practices : An act or practice is deceptive where A representation, omission, or practice misleads or is likely to mislead the consumer ; A consumer 's interpretation of the representation, omission, or practice is considered reasonable under the circumstances ; and The misleading representation, omission, or practice is material. This policy is likely also a violation of Regulation AA. 

I have not suffered monetary damages yet as a result of the unscrupulous policy by Discover, but am concerned that many others have likely have unwittingly lost a lot of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I've spent XXXX hours with Bank of America with no solution. At XXXX lastnight, my account was positive and this morning I get hit with an overdraft fee. A merchant charge came through in which I did not authorize as well. I simply asked for a courtesy fee of XXXX to be credited since Bank of America XXXX are deceitful and leading the customer believing their account is fine. I also verified with the supervisor that my account has never been in overdraft and they still would not provide a courtesy credit in which the branch confirmed they could since I have always been in good standing. I was hung up on by another supervisor and repeated myself several times. Bank of America does not care about their customers. I do have documentation as well that I will be mailing to their NC office.

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 2021-11-23
Company: CITIBANK, N.A.
State: TX
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:
On XX/XX/21 I attempted to use my open-end Citi Credit Card pursuant to 15 U.S. Code 1637 and my purchase was declined. I logged in to my online account to find that Citi Card had taken an adverse action ( 15 USC 1681a ( k ) ( 1 ) ) against me due to information they received from XXXX ( a consumer reporting agency ) without my written consent by lowering my limit causing my purchase to be declined. In the process of this happening I've also realized that there is a billing error according to 12 CFR 1026.13 in regards to the amount I allegedly owe pursuant to 15 U.S. Code 1692e. False or misleading representations. I feel like this is something that needs to be investigated, because if it has happened to me, it has most likely happened to many other consumers. I was using my open-end Citi Card as a consumer for personal, family, or household purposes and should not be penalized for doing so. I don't believe XXXX has provided Citi Card with fair and accurate information which is what the banking system is dependent upon according to 15 U.S. Code 1681 and this has caused me XXXX brought on XXXX XXXX  and has XXXX  my character.

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 2015-07-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX/XXXX/2015 I contacted Chase Bank about my debit card being lost and asked them to cancel that card and I would go into a local branch here in XXXX and get a new one - which I did. While I was on the phone with them, the Representative asked if I recognized all the transactions. I told her there were XXXX I did not recognize, in addition, I had to XXXX more transactions which I had disputed previously, though I never received anything regarding the outcome of the claim. At that time she transferred me to the Claims Department and at that time they submitted a new claim with a total of XXXX charges ( see attached ) :XX/XX/2015 Experian $ XXXXXX/XX/2015 Experian $ XXXXXX/XX/2015 Experian $ XXXXXX/XX/2015 FormSwift $ XXXXXX/XX/2015 XXXXh $ XXXXI received the response that these charges were processed correctly and my claim was denied. 

I do n't care if they were processed correctly, they were not authorized. 

Please dispute the charges and return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: EQUIFAX, INC.
State: GA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX/Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3300.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} o XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$810.00} o XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) XXXX Date XXXX o XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX o XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX Date Opened : XX/XX/XXXX o XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} EQUIFAX : o XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$980.00} o XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$810.00} o XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Date XXXX o XXXX XXXX A ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX o XXXX XXXX A ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX o XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX : o XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$810.00} o XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: MOUNTAIN WEST FINANCIAL, INC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
We are selling our home. We have been in escrow since XXXX XXXX, 2015. It is now XXXX XXXX, 2015. The Lender, Mountain West Financial has been Telling us for the last 7 weeks that the loan will close this week, every week. It still has yet to close. We are now living in our trailer, forced to make not only mortgage, but rent for our trailer. We want them to finish the file, but keep getting the run around on it

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: Investment Retrievers, Inc.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
INVESTMENT RETRIEVERSXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXXXXXXThe collection agency above has made an unauthorized hard inquiry in my XXXX credit file on XXXX/XXXX/2015 This is a serious breech of my privacy and causing financial harm to my credit score. I have never done business with this company nor authorized them to pull my credit file. Please stop this company from pulling my credit ever again. 

ThanksXXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I called Navient to ask for a XXXX Temporary Forbearance, just like I have for the last XXXX  months, and was told that I needed to meet a standard before this request could be granted. 

I then asked to be transferred the XXXX 's office and was denied. 

The last XXXX months all I had to do was ask for this relief without any questions being asked. This time I felt as though I needed to beg for this help and I was still denied being transferred to the office that I needed. 

Everyday items, like groceries and gas, have rising prices that are making it difficult to meet this obligation. 

Please have the XXXX 's office at Navient contact me either at my phone number, XXXX XXXX XXXX, or via e-mail : XXXX Thank you for your kind attention to my situation!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-04
Company: CAVALRY INVESTMENTS, LLC
State: WA
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
Cavarly Portfolio Services sued me whereI did not live or sign for the debt after they bought it from a bad debt list the original creditor wrote the debt off and the first collection agency XXXX wrote it off in bankruptcy. I became aware of this when I served both the default judgement and the notice of hearing at the same time in XX/XX/XXXX. I made my last payment on the car in XX/XX/XXXX. I did n't know I could sue at this time and so I did nothing. Since they have had the default judgment they have violated my FDCPA an additional three times. They seized all of my mothers social security funds from her bank account around {$900.00} in order to get it back she had to pay around {$150.00} to get an attorney to fix it. Cavarly claimed because my name was listed as payable upon death that they thought the account was mine even though the XXXX XXXX XXXX advised them otherwise. Then later on I had a account at XXXX XXXX XXXX one day it was just negative {$50.00} because they had seized all of my direct deposit paycheck from the day before and the bank charged me for the transaction. Still unaware of my options without talking to an attorney I believed it was over with in XX/XX/XXXX when the scarlet letter I wore on my public records for my credit report listed with case number XXXX default civil judgement for {$7000.00} fell off my report. No they were not done I sent them a letter regarding my rights under FDCPA and that they had violated several times. The statue of limitations had come and gone XXXX times. I advised them not to contact me or I would be sueing them for all of the violations. I received a generic letter from a new attorney in XX/XX/XXXX letting me know that they were taking over the collection of my debt from Cavarly. I am in the process of selling my home and the title is clouded something I was never served papers on even though all of the legal filings thus far had been in XXXX County where I had resided once temporarily for six months. I lived in XXXX County for two years when they say I was sewer served about lawsuit in XXXX County. However they filed the lein on my home in XXXX County of course not even that could be done without adding and inflating the amount of the judgement by {$7500.00} in interest they are claiming on a {$7000.00} debt that they were never intitled to collect on in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-06
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have a loan with this company for years. Always pay early and more than is due. They called about 4 weeks ago offering me to renew and get over {$1000.00}. I didnt do it at that time. I called a couple of days ago to see about getting money, the next day they said they can only get me {$500.00}. No reason why. The manager XXXX wont get on the phone. They pulled my credit and will not give me an answer as to why they dont want to give me the money they originally promised. That goes against the FCRA. I deserve an explanation!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
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: Account information incorrect

Complaint:
I am filing this complaint as my right under FCRA law and fair credit and billings act have been violated for this account XXXX XXXX XXXX {$8300.00} Account number XXXX. I am requesting all XXXX credit bureaus to provide full validation and what give them the right to collect on this account? I have made numerous attempts to resolve this issue by certified mail. There are numerous discrepancies on all XXXX bureaus as I see # of months for all three bureaus report to be different. Please provide better explanation and proof so I can timely take care of. Additionally, I see this account as having a charge off so the balance is not accurate. As per FRCA law, all information must be accurate, no errors and verifiable. This is lacking in all XXXX  areas.

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 2016-01-20
Company: American Credit Acceptance, LLC
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
On XXXX XXXX, XXXX I cosigned on a auto loan ( XXXX XXXX XXXX ) for my mom on a vehicle from XXXX XXXX XXXX of XXXX, NC. Upon purchasing the vehicle we notice some work needed to be done to the vehicle. We returned the vehicle to the dealership on XXXX XXXX, XXXX and they gave us a rental. On XXXX XXXX, XXXX, we had to return the rental to XXXX and pick up our vehicle from dealership. On XXXX XXXX, XXXX, a finance manager contacted up and said that the deal was not funded and we needed to return the vehicle back to the dealer in the next 5days On XXXX XXXX, XXXX I returned the vehicle back to the dealer but they did take the key to the vehicle. I tried contacting the finance company ( American Credit Acceptance ) to notify them that the vehicle was back at the dealer but the number listed on my contract agreements was saying the number was disconnected. I received a letter from American Credit Acceptance around the first week of XXXX stating my reasons for denial. I tcontacted American Credit Acceptance using the number listed on my letter. I spoke with a Finance Manager who told me that they funded the loan but they were not notified that the vehicle was taken back to the dealer. She said they tried contacting the dealer but could n't get an answer or a call back about the vehicle. She told me to get a police report stating that I returned the vehicle on XXXX XXXX, XXXX to the dealer. I went to the Sheriff Dept. but I was told I did n't need a police report for that issue. The sheriff told me to just document my dates and keep up with them. I reviewed my credit, and that vehicle loan is on my credit with late payments and I did n't even keep the vehicle two weeks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The Loancare loan servicer has repeatedly " removed '' my application, asked for me to reapply, assigned an alleged " point of contact '' who is unreachable ( XXXX XXXX of contact has only a XXXX number ( and as I write this I have been on hold with Loancare for XXXX XXXX minutes ) and Loancare is now asking for me to resubmit the application. This will be now be the XXXX time that I am applying, since the original application was unceremoniously " removed '' just before XX/XX/2021.

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 2020-04-09
Company: Experian Information Solutions Inc.
State: TN
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:
Date Opened XX/XX/2018 Credit Limit {$200.00} Balance {$500.00} I Did a Dispute with all 3 credit Reporting agencies.

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 2017-01-07
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have no knowledge of this debt and I would like it removed as it is reporting to the credit bureaus and affecting me negatively.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
The agent was very rude and unprofessional also unwilling to listen to me took control of the whole conversation and hung the phone up while I was still talking, also I asked to speak to his supervisor and all that happened was he used a different name but was the same individual the agent name is " XXXX "

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation