BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-10
Company: CREDIT ACCEPTANCE CORPORATION
State: DE
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I am requesting that CFPB investigate the lending of credit practices ofCredit Acceptance Corporation. The vehicle loan product presented tome was done in very deceptive manner. I advised their representativethat the due date of the payment of my loan did not coincide with mypay date. I was advised not to worry because I was given a grace periodper the coupon book. I am constantly being harassed byCredit Acceptance if I do not get the payment in by the XXXX of the monthI have attached the coupon book and correspondence that I received onXX/XX/2015 stating the intent to repossess. Their practices are verydeceptive because the coupon book says by XX/XX/XXXX a late fee will beassessed and I was given the same information by the representativewho sold me the product but instead I receive an intent to repossess letter that isdated XXXX/XXXX/2015. The XX/XX/XXXX payment was made XXXX/XXXX/2015. I have filed a complaint before but now I want the corporation and it 's practices to be investigated. Please note : I have never been 30 days late on mypayment. I am a customer in good standing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I previously contacted your agency on XXXX XXXX, 2015 regarding my loan with Credit Acceptance Corporation ( CAC ). At that time, you accepted CAC 's response that they had tried and failed to contact me with an explanation of the money that was supposedly due them. You were given false information as I have not received any phone calls or written correspondence from CAC with any information. In fact, I have called CAC numerous times to try to straighten this out only to be transferred from person to person ( who could n't answer my questions ) and be falsely told that someone would be call me back with answers. To date, as I stated above, no one has contacted me. Because of this lack of communication on CAC 's part, my truck was re-possessed this morning. I think the way this matter was handled by CAC has been unfair, unlawful and unethical. I will be attaching a spread sheet showing what was due and what was paid as well as a copy of my initial complaint to you. I need to get to the bottom of this as when they took my truck, my daughter 's purse was in the truck which contained her driver 's license and her social security card as well as those of her minor children. As she is a school bus driver, she can not work without her driver 's license. This situation has gotten out of hand, please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I wire transfered {$66000.00} to a marketing company as an investment for commissions on small business loans that close. This company described themselves as a Network Marketing Company. But never delivered any service or products promised. In addition, all the contacts and phone numbers have been disconnected. 
I do have the banking routing info and am requesting the person/ people connected to this account be tracked and stopped. I would like to receive restitution and damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07
Company: Diversified Consultants, Inc.
State: MA
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:
Today, XXXX XXXX 2016, I was alerted via my XXXX credit monitoring service that a collection has been placed on my credit file from this company representing their original client of XXXX XXXX XXXX XXXX. First and foremost, I have been a victim of identity theft and have been dealing with this for quite some time now. I have had all XXXX reporting agencies ; XXXX, XXXX and XXXX place security freezes and fraud alerts on my files accordingly since early this year. 

Apparently, my social security number has been breached and utilized for fraudulent transactions this being on of them. Here is the following information showing on my credit file as of today : DIVERSIFIED CONSULTANTS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Original creditor : XXXX XXXX XXXX XXXX Acct : XXXX Amount : {$6500.00} According to my credit file ( s ), the information does not match mine with the exception of my social security number. It is currently reporting under a different name and address. Also, I have never been a client of XXXX XXXX XXXX XXXX and have been a XXXX XXXX customer for over 10+ years. 

While this has not yet reported on either XXXX and XXXX, I do want to jump on this immediately since this account is not mine and is simply FRAUDULENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: U.S. Auto Sales Inc.
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I am writing to dispute U.S Auto Finance Account Number : XXXX on credit report number from XXXX, and XXXX, XXXX. The validity of the debt has not been proving/ and unverified. This vehicle was sold in an auction the balance listed on my credit report is incorrect. Please delete the account as they are in violation of my consumer rights under FDCPA..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: JPMORGAN CHASE & CO.
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a letter from JPMorgan Chase bank in the mail on the XXXX of XXXX, 2020, stating that I changed my address. It also disclosed that I had opened two cards with them, a credit and debit card. The address change was to somewhere in Arizona, and after calling Chase Bank 's customer service, they disclosed the full new fraudulent address. After looking this address up in XXXX, it took me to a house in XXXX, Arizona. This is not my address, and I have never opened an account with Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: Fidelity National Information Services, Inc. (FNIS)
State: MA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
HelloI have been turned down for XXXX business bank accounts. the banks have told me that it is because of negative info on chexsytems. So i went to the chexsystem website. ( no complaints or info can be had via the site or telephone. its said i had to request a copy of my report via Mail. so i submitted my info and personal address to this company. the site syas i will get a copy in the mail in 5 business days. so after 7 days still no report. i requested again. its been now 7 6 more days and till no report. i also called the phone number yet still no report. they have no way to reach a live person. Now I have not had a bank account since 2007 this was payed as agreed and closed. I cant open my business. I want all info removed and the delay of information fro them is inexcusable. I am hoping this organization can help me asap to clear my report that they state is only going 5 years back and i am past the point of being nice i should have had that report almost 2 weeks ago. the delay in banking has cost me over XXXX in lost earningsplease make them clear my name I have tried to upload a rejection letter from a bank but system wont allow I can forward via email if need be

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: Diversified Consultants, Inc.
State: TX
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:
This debt is from XXXX XXXX and I do owe for one last month of service, nothing more than that. 

I received a letter from a new collection agency called Diversified Consultants, Inc., explaining that I owe a much larger sum and also added a " Collection cost '' to the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
XXXX XXXX XXXX based in XXXX SC has been making charges on our credit card. We filed a dispute with credit card holder - USAA. Nothing was done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I had an existing Master Card issued by USAA bank. Without any notice it was changed to a Visa card. They advised this was a " business decision ''. I currently have another visa card. I advised them I wished to close my account and was advised this could negatively impact my credit score by as much as XXXX points. This is wrong for USAA bank to do this and worse that my credit score would be impacted by cancelling a duplicitous card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
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:
I recently checked my credit report and found a credit item from the group DIVERSIFIED CONSULTANTS. The debt collections agency claims I owe {$1000.00} as of XXXX 2015 to XXXX. This debt is not mine. Additionally, the agency has not attempted to contact me, that I know of. If I had n't checked my credit report, I never would have known this was going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have paid XXXX on to my USSA credit card on XX/XX/XXXX2016. I paid through bill pay through my bank. I have a check # and confirmation #. I have called USAA over 5 times in the last week and they continue to tell me that it has not been paid and to contact my bank. I have since received a {$70.00} interest view. I have requested to speak with a USAA supervisor several times but have not been able to. I have provided USAA with the check number, name of bank, bank contact info and the confirmation number and still USAA refuses to assist me in getting this resolved. In a few days I will acquire a late payment, because they have not recognized my payment of XXXX. I also want to make sure this does not negatively impact my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: American First Finance, Inc.
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
When my account got behind I made a payment agreement with them using my debit card. I had already paid off more than twice the amount of money I borrowed yet because of their insanely high interest rate they still claim I owe them as much as the day I borrowed from them. Anyway using a debit card ever with them is a BIG mistake. HUGE mistake. once I had used my debit card for what was supposed to be a single transaction when I got behind again they started debiting my account with that card on a daily basis. When I called they said that legally they were allowed to do so until my contract was up to date. My contract says nothing of the sort! Do not ever authorize a one time debit payment with this company because until you cancel everything with your bank they will bleed your account dry and not even bother with the contract arbitration that they have you sign. You are better off to use rent a center or aarons than these people. This company is predatory lending at its finest, ripping people off draining their bank accounts and socking bank charges on top of their own charges and fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: EQUIFAX, INC.
State: AL
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:
On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the XXXX XXXX data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28
Company: MB FINANCIAL, INC.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
MB Financial Bank has sent us several Closing Disclosures with many errors involving closing costs and amount of the loan ( VA ). We contacted our Loan Officer and asked for corrections. She has said, " Oh do n't worry about it! '' This has gone back and forth several times, mainly because MB Financial & the Loan Officer did not want to rewrite the loan. They finally conceded that there was misappropriation of funds and now rewriting the loan. We have yet to see the Closing Disclosure and even so, we were told the closing on the home will be this Friday, XXXX XXXX, 2016. 
We have lost trust in the Loan Officer and MB Financial. We also feel pressured by the Loan Officer, the Realtor and MB Financial. [ We were told that if we opened the email ( secure document ) from MB Financial, we were giving consent for the Closing Disclosure. ] Can you help us look at the Closing Disclosure without giving our consent? 
We feel we would like to use another financial institution and have already started this process. We do not want to use MB Financial due to all these problems. 
The Loan Officer is not happy and neither the Realtor ( whom recommended the Loan Officer ). The Seller ( s ) are unhappy due to this delay. It is a mess, but not our fault! 
Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
Hi, I tried at least 5-10 times to resolve this problem and explained everything to the Bank and Credit bureau at different different times. but they never helped me. The last date I tried with credit bureaus is XX/XX/XXXX, XXXX but they still not helping me. 



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Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-22
Company: Diversified Consultants, Inc.
State: AL
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:
On XXXX XXXX, 2016, I sent a letter to the credit Bureaus requesting that they investigate and/or delete disputed items from the company Diversified Consultants Inc. from my credit report. My letter to the Credit Bureaus also requested that Diversified Consultants verify that they have legal right to collect debt in my state, the original contract, etc. On XXXX XXXX, 2016, I received a letter from Diversified Consultants through the United States Postal Service from Diversified Consultants dated XXXX XXXX, 2016. 

The letter received from Diversified Consultants stated that they are business as ( Diversified Central ) in the state of Alabama. I googled Diversified Central in the state of Alabama and have not been successful in finding the alleged company. 
I have reason to believe that Diversified Consultants lied about this fake company ( Diversified Central ) as a ploy to illegally collect money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited a check into a XXXX Atm. For the last two days when I logged in the hole was scheduled to release on XX/XX/XXXX. On XX/XX/XXXX, XXXX changed the hold to XX/XX/XXXX. When I called to find out why a Sr.Rep lied and said the check would n't clear until XX/XX/XXXX. The check is from an employer insurance plan and I had already spoke to them and thy said there was no issue with the check. The rep lied to justify changing the hold date of funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Making/receiving payments, sending money

Complaint:
I have a secured credit card with USAA. Secured by a Certificate of Deposit for {$3000.00}. For the past three months when attempting to pay on my account I have learned that even though the credit card account is secured, if I pay the the balance in full utilizing XXXX different checking accounts, the payments will be held for an additional 7 or eight days. I paid {$840.00} on XXXX XXXX, 2016, that payment was placed on a 7 to 8 day hold. I made another payment on XXXX XXXX for another {$800.00} plus and that payment is now on hold for XXXX to 8 days. 
When I first started to notice this happening I called and was told that one of payments was returned and that was the reason, the payments were being put on hold. I was also told that was to be for 3 months. Even though the credit is secured by a CD. 
Then I have an unsecured credit card and pay it the very same way and the payments are applied immediately to the account even though the payments may or may not be paid by XXXX different accounts. 
This is a major concern to me because we expected USAA to be Veteran friendly as it advertises. In addition, we have home owners insurance, flood insurance and vehicle insurance with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-22
Company: Convergent Resources, Inc.
State: WA
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 was contacted by convergent collections. They indicated to me that I owed XXXX the amount of {$100.00} for a modem XXXX claims I never returned. Knowing that XXXX is an unscrupulous Company and having never dealt with a collection agency before I responded by immediately writing a check for the amount of {$100.00} and mailing it to XXXX PO Box . This amount was withdrawn from my checking account on XXXX XXXX 2016 by XXXX. I have requested and received a photo copy of the cashed check which has XXXX XXXX 's endorsement on the back of the check and the confirmation number XXXX. After repeatedly notifying XXXX and convergent collections that I have paid my balance, they refuse to acknowledge receipt of my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: Convergent Resources, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A " XXXX '' phones and asks for XXXX XXXX, my fiance 's son, who does not live here. She wo n't give me the name of the company or a phone number or discuss what she wants and hangs up when questioned about anything. I have nothing to do with this and consider it harassment. I XXXX the phone call and am put on a repeating hold message with no company name given.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Designed Receivables is reporting debt that were discharged in Bankruptcy. Also, I paid XXXX bills, and they said that they would Keep reporting them as unpaid until ALL the bills were paid. And I do n't even know if I truly owe them. I have great insurance through XXXX XXXX, and I do n't believe that I owe them so many bills. They are single-handedly ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Beginning on XXXX XXXX, ( 3 days ago ), I began receiving " robo-calls '' from phone number XXXX. A recording begins, identifying the caller as " XXXX XXXX '' and stating that he 's contacting me about " an important legal matter '', and that I should press 1 to be connected to a representative. I believe this is a shady collection agency scam, since no reputable company would fail to identify itself and attempt to imply that it had " legal matters '' to discuss, in this manner. Years ago, I had used payday loans, and this reminds me of the collection tactics that were employed by those firms. I do n't owe anyone money and I 'm getting tired of this harassment. They are calling my cell phone number.

Company response to consumer: Closed with explanation