BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for a credit card on XX/XX/XXXX. USAA pulled my credit report from XXXX on XX/XX/XXXX. 

USAA was instructed, by XXXX, to verify my identity via this statement that is on my report that was given to USAA : Personal statement ( s ) XX/XX/XXXX & XX/XX/XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. 

USAA never called to verify my identity. Nor did they send me an email, message through the portal, or mail. 

I called USAA to verify my identity, as they have already pulled my credit and negatively affected my credit score and my ability to get any further financing on XX/XX/XXXX at XXXX and the call was recorded via USAA XXXX 

The rep from USAA, XXXX, told me it that USAA could not reach me via my phone number, even though it was listed on the XXXX  report, my USAA portal ( which I authorized any branch of USAA to access via the my only preferences ), and was even listed on the credit app. My phone has been working fine. USAA did not leave a voicemail or even notify me they attempted to call in any other forms of communication. 

I asked to verify the information during the same call on XX/XX/XXXX at XXXX. XXXX told me I could not and the application would not move further and there was 'no other way around it '. She also refused to remove the credit inquiry. 

I then asked to be escalated to her manager, and she denied, and said I could only talk to another department. I talked to the XXXX employee XXXX and she also gave me the same information. 

USAA refuses to accept or deny my application as of now and refuses to remove the inquiry. 

I will seek legal damages as USAA is violating my rights, causing me tremendous stress, and negatively impacting my financial future. More so, it's representatives are argumentative and untrained/uneducated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04
Company: Franklin Collection Service, Inc.
State: AL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Franklin Collection Service continues to report a bogus medical bill on my credit reports. Consumer has disputed this item for almost three years. Franklin Collection Service does not respond to my continued e-mails regarding the validity of this bill. Medical bills are handled by my insurance plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
When i pull up my score and pay the XXXX dollars they are not showing the correct score. they are not updating. and its been months. They also stated if you paid off past due debt you will receive XXXX points if you settled. XXXX points if it was taking off your credit and XXXX points if it were paid off in full. They are lying and that hasn't happened. Its fraud and i am fed up. i paid off all my accounts and my score is sill low. its misleading

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I was the victim of fraud on my EDD issued BofA card. Back in XXXX. When I became aware of it I cancelled the EDD card and notified BofA. Who at that point issued me a temporary credit pending an investigation.later on I received 2 letters from BofA stating the temporary credits were now permanent. Then in XXXX my account at the bank was frozen. BofA stated it was at the request of EDD. When i contacted EDD, I was advised there was no red flags no issues with my account. And to call the bank and informed them it was all good at EDD. In tbe process of resolving this issue. I observed money was being taken out. And once again when I inquired at Bofa I was informed money was being sent Back to EDD at their request. Surprisingly enough my EDD benefits were still being deposited on my cancelled Account. Toward the later part of XXXX my card worked again out of the blue. But over {$5700.00} was missing. I was only able to withdraw the last full edd payment and part of another one. I been calling BofA for the last 3 months. Without any resolution. Every time I call them I am told I need to escalate it.then the week after. They tell me the person the helped me before did not do it properly and is the same thing all over 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 2016-09-15
Company: The Best Service Co.,Inc
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
The Best Service Company reported a collection trade line to my credit somewhere around XXXX/XXXX/2016. I was never contacted via US mail, email, facsimile or by phone about this. The way I found out about this was from an alert from XXXX monitoring services. On my credit report it has an ID Alert statement with my cell phone. Also in the contact information my mailing address, work number and cell phone are listed and are accurate. Therefore there is no excuse why I was not afforded the opportunity to dispute the matter under the previsions set forth in the governing laws. 

If I was given proper communications a formal dispute and police report would have been provided to them disputing this matter. After pulling my credit last night I 've identified the original creditor. The account they are attempting to collect on was involved in fraud. Documentation was provided to the original creditor almost 4 years ago. 

The CFPB needs to step in and stop this type of behavior with debt collection companies. They should not have the ability to report an account period. Especially in situations like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: NATIONS TRUST MORTGAGE CORPORATION
State: TN
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
A loan ( line of credit ) was received from Nations Trust Mortgage Company XX/XX/XXXX in the amount of {$73000.00} as a refinance for a home. XX/XX/XXXX, the home was sold and Nations Trust Mortgage Company was paid off. However, we were charged a early termination fee of {$3600.00} that was not in the original agreement. I believe we were charged a fee that we should not have paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: Diversified Consultants, Inc.
State: CA
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:
keep getting calls from XXXX asking for someone else. 
They will not stop calling at all hours or they do not believe that person is n't there/

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
On XXXX XXXX Portfolio Recovery Assoc added a derogatory mark on my credit report. Upon further investigation, this account was sold and I am not responsible for it. Portfolio Recovery Assoc did not verify this collection. Also, after requesting validation there was no written form of communication, contract or signature for this accused debt. A bill without a signature does not validate a debt. Anybody can send a bill without a written signature and say it's mine. According to the FCRA they violated my rights as a consumer and I am requesting legal action to have this account removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06
Company: National Credit Systems,Inc.
State: FL
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:
NCS has failed to provide me with a dunning notice prior to inserting inaccurate negative information on all XXXX credit bureaus without notice and the only I found out was by VIA credit monitoring service. So when I finally realized I filed a dispute and also contacted NCS and original creditor XXXX to no avail, even though they were in violation FCRA and the Fair Debt Collection Practices they refused to acknowledge any wrongdoings.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past XXXX days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of XXXX times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2022-10-10
Company: Hillcrest Davidson & Associates
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have reached out to this company several times, before they tried to collect about fixing equipment. After they tried to collect I have sent out other letters by email/regular mail, no one has responded or reached out to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Duvera Billing Services, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 I purchased furniture from XXXX XXXX through the finance company XXXX XXXX. However, on XX/XX/2020 I called XXXX XXXX Manager of XX/XX/XXXX ) and informed him that I wanted to cancel the furniture that was supposed to be delivered on XX/XX/2020 because I found furniture somewhere else. XXXX then informed that he had canceled it and sent an email to XX/XX/XXXX I asked him to cc me on the email and never did. I realized in XXXX that easy pay sent me a bill. I immediately called XX/XX/XXXX and XXXX XXXX as well as placed them on a three-way call. XXXX said he sent an email and was sending another email right then. XXXX XXXX  said they paid fXX/XX/XXXX the full amount for the furniture and wanted their money back. XXXX informed all of us he emails them to cancel furniture. I called XXXX XXXX and XXXXXX/XX/XXXX every month and XXXX told me that they sent email, however easy pay said they never received confirmation. I then went to the XXXX XXXX located in XXXX in XXXX of XX/XX/XXXX and they were very rude and threatened me. I have the recording of the whole incident. I asked them to please send XX/XX/XXXX and email and call them to say that I never received this furniture. XXXX at XXXX XXXX informed me he could not do anything about it. No documents can show that the furniture was delivered to my home and I signed for it. With all business activity it will show when I received and signed for this furniture. Therefore, if not proven the furniture was deliver to me, then I should not be held accountable. Now, this is still on my credit as a debt collection. XX/XX/XXXX is saying they can not do anything until they get their money from XXXX XXXX. XXXX XXXX has lied to me several times about taking care of this and they never did. In my hypothesis, XXXX XXXX paid XXXX XXXX for the furniture and XXXX XXXX took the money and never paid them back. XXXX and XXXX have informed me that they could not find the file and the contract withXX/XX/XXXX contract null and void. Please HELP, this is very unethical for a company to do fraud and place this on my credit and I never received this furniture. I am not sure which company is wrong or right, but I feel both are wrong in my eyes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card
Issue: Rewards

Complaint:
When I signed up for my credit card, I received an XXXX pass good for a year ( I activated my card and received the passes on XXXX/XXXX/XXXX ). I called BarclayCard support on XXXX/XXXX/XXXX asking for the specific date of expiration of my pass. The representative said that my pass expires on XXXX/XXXX/XXXX, and I confirmed with that same representative that I can use the pass through XXXX/XXXX/XXXX. I found out today XXXX XXXX/XXXX/XXXX XXXX that my pass expires on XXXX, contradicting the information given by the representative. I contacted BarclayCard today asking if they can either extend the date or reimburse the cost of a pass ( {$100.00} ), and they only offered me XXXX or XXXX points, worth {$20.00} or {$50.00} respectively. Had I been informed of the correct date by the representative I spoke with, I certainly would have used the pass. Instead, I was misled and unable to use the benefit I intended to use when I signed up for the card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-05
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been in contact with Medical Data Systems ( collection company for XXXX XXXX in XXXX GA XXXX on several occasions about them incorrectly reporting {$150.00} to the credit bureaus, and they do not rectify the issue. I also have contacted the credit bureaus, however, this company continues to erroneously report/add this account on my credit report. The amount of {$150.00} was covered ( in a contractual rate amount XXXX by my health insurance, however, Medial Data System does not remove the debt from my credit report ( s ). XXXX  removed it when I first appealed, but when I appealed with the other credit company 's, and Medical Data system did not correct the account info, XXXX  re-added it to my report. This company and the hospital do not reply to my many requests and I have faxed proof of my insurance payment. They are negligent to fair credit act responsibilities. I feel like there is no one to help consumers from this company.

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 2017-02-07
Company: PENNYMAC LOAN SERVICES, LLC.
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We had sewer and water damage in our home. We got our insurance check but could not Cash it as it also had our lenders name on check. This happened early XXXX XXXX. We did repairs and paid out of pocket for repairs. PennyMac is our loan provider, we had to have XXXX inspection done. The check was for {$10000.00}. To this day even after inspection said 100 % complete, PennyMac has not released all funds. It is now XXXX XXXX. They are holding on to funds for no reason. I call and get run around. Every time I speak to someone they tell me something different. Now they want to foreclose on my house when they are holding more money than what we owe! I do n't believe this is legal. My wife and I are upset and do n't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: Capital Management Services, LP
State: TN
Product: Credit card
Issue: Other

Complaint:
I previously filed a claim in XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX XXXX and illegal debt owed. Now I have a proposition to file with same company, Capital Management Services , LP of same claim of debt not owed. I have sent numerous letters as return to sender, phone calls. i contacted XXXX XXXX XXXX, ( XXXX ) XXXX debt paid in full. per transcript. I wish to seek help in getting this resolved and seek restitution for illegal payments to both companies and threating phone calls/letters. Please help!

Company response to consumer: Closed
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: VA
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:
I'm XXXX XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get deleted. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX Balance : {$90.00} XXXX XXXX Balance : {$90.00} XXXX XXXX Balance : {$8500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: WA
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 am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I am having problems with this unfair treatment. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.

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 2016-01-03
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax fail to block the fraudulent items per the FTC 605 B. 
I have requested in writing that they remove the Accounts and Inquiries from my credit file and they fail to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Late fee

Complaint:
I was charged a {$27.00} late fee because GE Capital Lowe 's card prohibits their auto-pay users from paying prior to the due date and forces all auto-payments to be made on the exact day due. Such prohibition assures millions in late fees whenever a bank holiday prevents timely payment for their auto-pay users. Clicking on the chat icon directs the consumer to a defunct link. 

GE Capital Lowe 's card additionally prohibits purchases of small items who wish to pay off their purchases before incurring interest from doing so if the same consumer already entered into a low-interest long-term fixed payment agreement for a big ticket item balance also on the same card account. Thus any money sent even if it is multiples of teh monthly payment on the long-term loan only gets applied to the low-interest long-term loan forcing the consumer into paying 5-6 times higher interest on small purchases. Lowe 's response that all you have to do is call each month to rectify but after doing this three times in a row and being tossed back and forth between departments to be re-validated for 30-90 minutes each time it is cheaper to simply never use the Lowe 's credit card for small purchases if you still have a loan balance for a long-term agreement at a low interest rate.

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 2015-10-21
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
synchrony bank /old Navy has been reporting a fraudulent account on all three of my credit reports for years now. # XXXX this account was not opened by myself nor used by me. I was not at the address they supplied me, at the time they claim an account was opened and used. I 've asked repeatedly for a signed application or signed receipts showing my signature. they have refused to supply this information. this fraudulent account is preventing me from obtaining new credit and is damaging my good name. it seems very stressful and upsetting. I have an old Navy account that I did open myself this year that is in very good standing.

Company response to consumer: Closed with non-monetary relief