BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-04
Company: Bread Financial Holdings, Inc.
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company called Alliance Data has been calling me about a so-called " urgent matter '' related to my XXXX XXXX account since XX/XX/XXXX. I haven't used this card in at least 5 years. 

In fact, the card is still under my maiden name, because that's how long it's been since I've used it. I never updated it because I completely forgot I had this card. 

Fast forward to now. I get at least 3 calls a week from Alliance Data, claiming that I owe a debt for this card. I've asked them repeatedly to verify this debt in writing, but they haven't sent me anything. 

I know I don't owe this debt. Which is why they can't provide written verification for it. 

Today, Monday, XX/XX/XXXX, at XXXX XXXX  Central Time, I called them back and spoke with XXXX, who was very rude. She got an attitude with me because I didn't have all the account information. I told her that, unless Alliance Data can verify this debt ( which they can't ), to stop calling me. 

After that conversation, I wrote and sent a letter ( see attached PDF ) to XXXX XXXX to notify them of this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-08
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I recently viewed my credit report with Equifax and they my credit score is a XXXX, which should much higher. The balances reported on some of the creditor 's information is wrong and have not been updated. If I work hard to get my credit to a point to someday buy a home, The credit companies that report scores and credit reports should report as accurate as possible or don not report at all. If i am always held in the low XXXX 's, I will spend a lifetime struggling to get a home, as many of the people in the world. I need them to review and upgrade my credit score or I will organize a class action suit against this company, by petitioning others to join the suit to get a reasonable solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: WESTERN UNION COMPANY, THE
State: DC
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I initiated a money transfer online through Western Union. The next day I received an e-mail that the transfer was on hold until I called to provide additional information. I called that same day, provided information to the customer service representative and was told that everything was alright and the transfer would go through. The money was taken out of my bank account and several days later, the transfer still shows as processing on the WU website. I contacted WU through chat and later by phone only to be told that the transaction was cancelled by WU and that I would be receiving my money back in ten business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Credit card
Issue: Other fee

Complaint:
After recent cancellation of membership, I received multiple calls with attempts to collect a debt for a credit card in which I have submitted payments for previously with outstanding payment history. Though I submitted my payment via check XXXX did not acknowledge the payment so I resubmitted my payment via money order in which was deposited on XX/XX/2016. Through the many attempts to submit payment XXXX continues to raise the statement balance with outstanding interest fee and fails to update the payment balance. When I made my payment of {$350.00} my balance was XXXX, as of today the balance is XXXX and continues to increase with interest fees and no reflection of the payment of {$350.00} made in XX/XX/XXXX. I have contacted the Risk Committee, XXXX, XXXX, and may other individuals/departments within the bank dated back to XX/XX/2016. I have sent many letters to have this item removed from my credit report do to inaccurate information and lack of processing, but nothing remains to be done. I have contacted a lawyer to resolve this issue but the bank continues to draw a blind eye. Overall in conclusion, I have paid this credit card a total of XXXX times, once with a check and another with a money order. I have contacted the bank on numerous occasions but continue to have the phone disconnected and the issue not resolved. With my payment of {$350.00} towards a balance of {$360.00}, no payments have been reflected and interest continues to raise bigotedly and this installation continues to remain a huge burden hindering my valuable credit history. I have contacted a lawyer and the XXXX credit with attempts to resolve this issue but remain unsuccessful in this matter do to XXXX failing to reflect payment/paid off balance. Thank you for your help in this matter and I am greatly appreciative of removing XXXX defaults from my credit history and back rolling unnecessary inaccurate charges as a reflection of mishandling process on the banks behalf.

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 2016-09-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Usaa bank did illegal closure of my checking account, savings account, credit card, renters insurance and auto insurance and illegal credit reporting. I need help from media FTC Now!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
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:
Hello, I opened this account ending in XXXX with a {$300.00} collateral deposit on XX/XX/22. 
I closed account on XX/XX/22, instructing rep to apply entire deposit to {$300.00} balance. 
When that did not happen, I paid {$35.00} statement payment on XX/XX/22 to avoid default. That amount was refunded on XX/XX/22, along with {$260.00} of my {$300.00} collateral payment applied to balance leaving over payment due to me of {$35.00}, because had I not been forced to make my XXXX payment, the entire deposit would have paid original balance. Enclosed documents prove this, including XX/XX/22 chat with rep XXXX promising processed {$35.00} refund.

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 2015-09-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have been a member with USAA for over 10 years and have had their checking product for years along with renter 's insurance and a credit card. Recently, after years of being able to transfer funds with immediate credit, they have arbitrarily started imposing an absurd 5-day business day hold on transfers from accounts I 've made for years ( from payment for my job ) while immediately withdrawing the funds from the other account. They offer no justification for this and no answers. It 's obvious this is a scheme to maximize profit from my overdraft credit line in my case and in others to accumulate NSF fees. The customer service can not explain this new arbitrary policy at all and is very rude about it. No other bank does this and when they impose a hold, the policy is fully disclosed and explained. I do n't think a hold policy that is not fully transparent and consistent is in compliance with regulations and can be manipulated and abused at will to increase profits, which is what is being done here. Regardless, transfers should n't take 5 days to complete as the banking system has vastly improved in speed since the 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 2022-01-26
Company: M&T BANK CORPORATION
State: CA
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:
never late on my panyments M & T Bank loan # XXXX MT Bank XXXX XXXX XXXX XXXX Md XXXX

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 2020-11-09
Company: Early Warning Services, LLC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent early warning systems a letter which quoted the by-laws of the fair credit reporting act.. ( 611, 613 etc ) they did not investigate my file. Instead, they sent my a copy of my report. In my letter, which was sent by certified mail ... included my driver 's license, and social security card, Properly identifying my self. I also ask them to properly verify my account with signed contracts, signatures ... etc ... but not the use of the last 4 digits of my social security number. They did not do anything!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: Experian Information Solutions Inc.
State: CA
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:
Experian continually fails to process disputes. I have submitted and resubmitted disputes ( requests for investigations and reinvestigations ) several times through the CFPB portal and Experian continually claims it is not being submitted by me even though I provide all the correct identifying information which includes but is not limited to my Driver 's License, Social Security Card, and recent Utility Bill in my name. If I try to submit these disputes via US mail, they get ignored by Experian. When it comes it submitting disputes via Experian.com, they do not allow you to dispute inquiries and so you can't submit anything. 
XXXX Experian, please process the dispute that is attached to this complaint. Failure to process the dispute and investigation ( including any reinvestigations XXXX requested will result in a lawsuit in small claims court. Thank you.

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 2020-08-08
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on 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 2020-01-07
Company: EQUIFAX, INC.
State: TX
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:
I have disputed XXXX inquiries that are not mines as well as some accounts that are not mines and now I can't see my credit report on XXXX XXXX nor will equifax send me any information. They sent enclosed letter stating i needed to prove who I am for the 15th time in the past two years.

This is why I know they are not investigating or removing information that is not mines. They cant even keep up with who I am. 

I have attached my ID and SSN card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, I have paid this collection back on XX/XX/2021. They said it would be deleted from XXXX and Experian credit report. I have contacted the company XXXX, XXXX over and over. I have told them several times that I have already paid this debt! I have paid this debt!!!! I'm not paying this again!!!! Per law I need this removed from my XXXX and Experian credit report. I have attached lawsuit that explain this company has been sued for not reporting paid debts. I have also attached the receipt I got showing I paid this!! I need this removed ASAP!

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 2022-01-26
Company: TOWNE MORTGAGE COMPANY
State: CO
Product: Mortgage
Sub-product: FHA mortgage
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:
On XX/XX/XXXX we entered into a contract to sell our house with a closing date of on or before XX/XX/XXXX. The mortgage on this house was with Towne Mortgage. We received the loan payoff amount dated XX/XX/XXXX and it included our XXXX payment in that amount. We closed on XX/XX/XXXX and the title company wired the payoff amount on XX/XX/XXXX to Towne for {$340000.00} and myself in the amount of {$110000.00}. As of that date we had no ownership interest in the property and the funds were properly distributed. 

Towne Mortgage reported to the 3 credit bureaus that we did not make a payment on the mortgage in XXXX of XXXX and in XXXX of XXXX. I spoke to a representative at Towne on XX/XX/XXXX regarding this as i was denied a mortgage pre-approval because my credit report reflects 2 late mortgage payments. I explained to the Towne representative that they included my XXXX payment in the payoff amount and was advised that i did not need to pay as it was included in the payoff and the closing was gong to happen in XXXX. I was then advised by Towne that even though they received the payoff amount, they didn't process the paperwork until XX/XX/XXXX and therefore i was considered late and reported to the credit bureaus and then assessed a late fee. I was also told that it takes " the system '' some time to update and therefore also showed a non-payment for XX/XX/XXXX ; even though the funds for the mortgage were distributed on XX/XX/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 2022-01-26
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The school was non credited and was shut down. I tried to get my loans refinanced and then forgiven. The lender first told me that was not an option and I can do an IBR form. I found out in XXXX that because the school was shut down that I did qualify for a grievance which I put in XX/XX/XXXX. My interest rate continue to go up with no way of me repaying it. I have been dealing with this from the lender since XX/XX/XXXX. I have pleaded to get information on how to help lower my interest rate that keep accumulating. I also ask are there efficient payment plans that will help me get out of debt. They instructed me to go back to school, which created more debt. I owe over {$65000.00} in student loans, which I have no way to repay them and no credit left to purchase a home. I am asking for answer and help on what I should do now. I am a single parent living in public housing struggling to live a balanced life in this economy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: CAVALRY INVESTMENTS, LLC
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent communications to Cavalry Portfolio Services back in XX/XX/XXXX and most recently in XX/XX/XXXX requesting that they validate a debt by sending a copy of a signed contract hey have been writing and calling me regarding. Both times Cavalry sent the same letter saying that I needed to call and discuss the matter. If Cavalry can not produced a signed contract to validate the debt, from myself, the consumer, then they MUST remove the trade line from my credit report per the Fair Credit Reporting Act. Cavalry has failed to provide me with anything to validate the debt they are alleging that I owe. I do not have a contract with Cavalry Portfolio Services and I would like them to remove the trade line from all three credit bureaus. If Cavalry is acting as third party company then they should not have a trade line listed on my credit report if the bill belongs to another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
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: Account status incorrect

Complaint:
On XX/XX/2020 my vehicle loan with XXXX XXXX XXXX was paid off in full, after the loan was paid off. XXXX XXXX XXXX decided in bad faith to charge off without any balance the loan and immediately reporting to XXXX, XXXX  and Experian the Charge off. 
On XX/XX/2020 I contacted XXXX XXXX XXXX of this discrepancy and told them the account has been paid in full, to please correct the information. On XX/XX/2020 they reported on the credit bureaus the loan as paid in full/Charge off which is still false information because it is paid in full the was no amount charged off. 
On XX/XX/2020 XXXX XXXX XXXX again put false information on my file again they put the Charge off again in the amount of {$12000.00}. When they were paid {$12000.00} on XX/XX/2020. 
Another false reporting on my credit file is the date of the last payment was XX/XX/2020 when it was actually XX/XX/2020. 
The damage the was done I applied for a loan and was denied because of XXXX XXXX XXXX misrepresentation reported to the bureaus.

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 2020-01-07
Company: ERC
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
repeated phone calls from the same company. I hang up and they call right back. They do not leave a message with why they are calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
LVNV Funding LLC has not provide me with the information requested and is currently reporting inaccurate information on my XXXX and XXXX XXXX consumer report which is hindering me from obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
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:
Not my accounts

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 2020-08-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to inform you that you are in violation of XXXX XXXX and I am considering litigation. I have retained legal counsel. In an effort to resolve this matter amicably, I will make XXXX written request. This account must be removed as soon as possible. 

XXXX XXXX XXXX # XXXX Date fraud began XX/XX/2019 Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this trade line. 

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for civil complaints being filed in accordance with FACTA, FCRA, and other federal and state laws.

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