BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-18
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My personal information has been stolen, I am submitting my ID, Identity theft report and Notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/2019 I paid my bill for my Bank of America XXXX XXXX XXXX cash rewards Visa signature credit card one day late. I have never paid a bill late in my life, and have never paid a cent of interest ... I pay my whole balance every month. I am XXXX years old, so this has gone on for quite some time. Bank of America charged me a {$25.00} late fee ... I can not tell you how many times I have tried to reason with them about my perfect record ... and do you really want to lose a customer ... even during the COVID-19 pandemic. They are fighting me to the death on this.

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 2015-08-03
Company: Diversified Consultants, Inc.
State: PA
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:
This regards account number XXXX on my credit report. When applying for a mortgage recently I was made aware of a collection attempt made by Diversified Consultants for a XXXX account. I was never sent any communications by Diversified in attempt to collect this invalid debt. 

I had previously opened a trial account with XXXX and a billing error resulted in it being sent to collections by XXXX and was later resolved. Now Diversified has put a collections amount on my credit report for this same invalid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Experian Information Solutions Inc.
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have a creditor reporting invalid payment history and payment amount. When I attempt to dispute the information with Experian, Experian is blocking the dispute and calling the dispute a duplicate. The creditor had my account in grace due to COVID-19. The creditor allowed the balance to accrue under a deferred payment due to COVID-19 and then reported the payment as XXXX days late to Experian. I have been trying to dispute this deceptive tactic through Experian and Experian is blocking the dispute citing some fair credit practice and calling my dispute a duplicate.

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 2016-12-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Other

Complaint:
I have disputed with XXXX and XXXX the Date of First Deliquency on this Chase account, and have had phone calls with Chase collections along with their " credit report specialists. '' I believe the proper Date of First Delinquency should be XX/XX/XXXX which is the date the account was closed. On the attached bill you will notice that the account was over-limit and past due on the XX/XX/XXXX statement, it was never brought current and the account was eventually settled in XXXX. The Chase " credit report specialist '' told me today that Date of First Deliquency '' is actually the date that the account settled for less than full balance. I have not seen any reference to such a policy, and think that that would constitute a " re-aging '' of the credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Credit card
Issue: Other

Complaint:
Dear Consumer Financial Protection Bureau : I know you are very busy so I`ll get right to the point I have a credit card with USAA and i recently opened this account this is about my XXXX payment I 've made and with the normal credit card companies they post your payment within XXXX hourswell I made my payment about XXXX days ago and it is not been posted to my account I called them and asked them why and they said they can and do hold payments for XXXX days, I have a problem with that because interest is still accumulating due to non posting of payments and when i ask about this policy no one could give me a concrete answer why? this is Egregious and I believe against accounting policy I have never had a financial institution do such a thing.I am requesting that you look into this matter and please tell me this is in the fair lending act, this just does n't seem right.thank you for your time on this matter I await your response. last XXXX numbers of my XXXX card is XXXXThanksXXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We began a home mortgage application with USAA Federal Savings Bank on XXXX XXXX, 2015. We were speaking with XXXX XXXX ( NMLS ID XXXX ). After going through all of the information, we came to the point where we were going to lock in a rate. The rate she gave us was very good ( 3.625 % with 0.5 points ). There was another rate quoted with 3.875 % and 0.125 discount points, but we " LOCKED IN '' with the first rate. We even asked her if the rate was good because of our good credit. She said " yes. '' Two days later we got the written paper work, which had our correct interest rate, but now had 2.375 discount points! A cost difference of {$4800.00}! USAA says there is nothing they can do. The agent must have made a mistake. But, we feel they should honor the original rate or credit us {$4800.00}. Because of the rate we locked in, we did not shop around to other banks and we lost XXXX business days to do so. Meanwhile rates have increased. This is a bait and switch. It should be illegal. When I LOCK a rate, I should get the rate that I LOCKED. Not a different rate that I find out about 2 days later.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: Diversified Consultants, Inc.
State: LA
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 mailed a letter to Diversified Consultants on XX/XX/2016 requesting more information pertaining to an account on my credit report. I got no response. On XXXX XXXX, 2016 I mailed another letter certified requesting documentation and again and still to this day, I 've received nothing from them. I am unaware of this supposed debt they are reporting on my credit report and per FDCPA they are required to provide documentation in order to validate what it is they are reporting. They have ignored both of my request and they account needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had informed the collection agency the alleged debt was in dispute with XXXX and not owed. Further, I told the agency that no adverse credit bureau reporting should occur until such time the dispute was either resolved or sent to arbitration for ruling. 
The credit agency responded by providing assurance they would speak with the creditor and contact me with a reply. I never heard back from the collection agency or creditor regarding my assertion the debt was not owed or my request for arbitration. The collection agency proceeded to place a negative account unpaid on my credit history with the credit bureaus. Since that time I have been in contact with the collection agency and conveyed demand they remove the negative account information immediately. I was told the account had neen sent back to the original creditor ( XXXX ) and Diversified would no longer be of assistance in the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: The CMI Group, Inc.
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/20 I received a phone call from an agent from credit management lp. I called them back and was speaking with an agent. The agent started the call off by saying that I NEED to make payment or this WOULD be reported to the national credit bureaus. I asked a few clarifying questions in regards to the statement the agent was making. I felt very cornered and mislead by being told that I needed to make payment. The agent never asked if I had any questions or if I was disputing the account, which I am. The agent became angry and informed me she did not say that which was not correct. And then she proceeds to hang up on me. I felt abused by this call and that she was using tactics to force me into making a payment. I felt her statements were very misleading and false and felt she was being very abusive. And then to hang up on me. The call was very unprofessional.

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 2020-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please remove account and inquiries from my credit report which I have never had before and do not belong to me. Enclosed identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.

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 2021-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I DID NOT AUTHORIZE THESE COMPANIES TO RUN MY CREDIT I NEVER WENT TO THEM FOR AN ACCOUNT THIS IS FRAUD AND NEEDS TO BE REMOVED ASAP 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 explanation
Consumer complaint received 2016-08-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
I applied for a {$0.00} down payment VA loan through USAA and after being told I was pre-qualified and subsequently approved I was then asked to provide a down payment of approximately {$9200.00}. It was only 2 weeks before closing and after my appraisal and inspection had been paid for and after I informed my landlord I was moving out. I was told I had a loan and then all of a sudden I was unfairly being required to come up with this large amount of money in just a matter of days or I would have ended up homeless. This was very unfair and deceptive and I also never received a clear explanation about why this down payment was being required on a no down payment VA loan product nor was I ever given any additional disclosures. Further detailed information is attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Paypal Holdings, Inc
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
When I opened Paypal years ago, I used it to buy things on ebay and what not. Friends would send money and I to them. The problem occurred in XXXX, 2020 when they closed my account and limited it permanently. They stated they were going to hold my money for 180 days. In fact, every account, including a club account that I opened for the treasurer as she didn't know how, they closed that. 

The problem is that I checked today, XX/XX/XXXX, and it states they transferred the account balances ( over 1K ) to their own accounts. I was told at 180 days they would release the funds to transfer out. This never occurred. They stole the money. I have read multiple people this has occurred with which are friends on XXXX. They never got their money back. I am sick of the tactics Paypal is using to steal people 's money based on some stupid acceptable uses. The only use you can do with Paypal based on their terms is buy using Paypal. I have a business account and I can't even access that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXXDate Opened : XX/XX/2018 Balance : {$3300.00}

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 2016-04-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Over the weekend of XXXX XXXX my bank accounts XXXX at USAA bank was liquidated of {$70000.00} in Florida without my authorization. I reported the unauthorized withdrawals on XXXX XXXX. I was notified that my account would be credited back within XXXX5 business days but this has not occurred as of the date of this complaint. I need to pay bills but USAA has not even given me an update and the investigator has not contacted me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXXDate Opened : XX/XX/2018 Balance : {$3300.00}

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 2016-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have been charged fees over and over by bank of america, but their website and customer tools are not helpful to customers at all. There is always an inconvenience and extra steps to pay a bill or even make a deposit at their ATMS. The platform creates a problem where customers like myself are not able to perform transactions easily without accruing fees. I just spoke with the rudest representative that argued with me and then performed a customer mistreat and hung up the phone on me when I asked to speak with a manager. This behavior demonstrates Bank of America 's unwillingness to educate customers and provide accurate customer service. There phone prompts is designed to keep you from gaining access to talk with a representative. I had to call back and wait on hold a gain for more than 5 minutes due to the representative being rude and not wanting to provide his information for a follow up complaint.

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 2017-02-01
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 resulted from identity theft

Complaint:
I have a open debt with XXXX with the account number of # XXXX that was open XX/XX/2016. Its a debt of XXXX $ that was open until XX/XX/2016. I am a victim of identity theft. somebody as been using my social security number in opening numerous accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX, trans Union, XXXX, is not authorized to have any of my personal information According to ( .15 USC 1681b permissible purpose of credit report ) The credit reporting agencies were Never given the role to furnish credit reports they assumed the role.According to the fair credit reporting act and I demand that all of my personal information be removed from all three Major consumer reporting agencies to wish this is affecting me financially mentally and physically.I never consent nor Authorizing these credit reporting agencies the right to expose my personal information. I feel totally violated under the ( FCRA ).

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 2020-09-29
Company: SOUTHWEST COLLECTION SERVICES INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to turn you in to immigration or deport you

Complaint:
this is who i am filling a complaint on southwest collection service, inc i have received numerous blocked called and calls from this agency, telling me they are going to deport me if i do not pay this debt, i told them i will only pay XXXX i will not be paying XXXX ever! and they said they would not except, so they said if i dont pay the total they would be reporting me to ice agency, but im a citizen, ... i am not sure if i should challange them in court, i would like to settle this and pay half but they said they would not except, he called me ugly and called me ill and said he wanted me to harm myself. XXXX XXXX from southwest collection service, inc is who im filling the complaint against. 

i called the dentist in XXXX XXXX personally and they said the dentist died, so they wouldnt be able to take any money, this is an old cause XXXX i understand this creditor is trying to collect the 10 percent this isnt going to happen. i will only pay XXXX nothing more. i will also be reporting them to fdcpa i am XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX i have recieved threats telling me they will be reporting me to ice, to come take me and my family, i am ready to sue them! southwest collection service amount {$590.00} interest {$390.00} total {$980.00} creditor XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card
Issue: Delinquent account

Complaint:
Bank of America had a credit card for me years ago. They set me up on a payment plan and advised me that my account would report paid as agreed. I had several people from their service line talk to me assuring me it would n't hurt my credit, but now they 're reporting it 150 days past due at some point. It 's been paid off for years in full. My credit scores are all over XXXX with all accounts paid as agreed. I feel they misled me and said whatever was required to get me on the payment plan. It was deceptive. I 've since asked them for records of the calls and past statements. They said they can not provide either. I 'm curious how they 're sure about anything on the account if they ca n't provide me records for transactions less than 5 years old.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief