BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-07
Company: Diversified Consultants, Inc.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Diversified consultants has, on numerous occasions, contacted my minor child on HER phone regarding an XXXX XXXX XXXX bill that was past due ( and subsequently has been paid ). The XXXX time they called her ( during school ), I called them back and gave them my phone number ( STILL do n't know how they got her number ) and told them not to contact my minor child again and to remove her number. Since then, they have called her at least XXXX times. The bill has been paid and they 're still calling her.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: PENNYMAC LOAN SERVICES, LLC.
State: NH
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I recently filed an insurance claim for some water damage to my home. I contacted my loan servicer on XX/XX/2022 to ask whether there are any restrictions on my ability to perform the repairs to my home. My servicer told me that normally they do not allow self repairs, but that I should keep my receipts and they might release the insurance proceeds to me. The answer seemed somewhat strange to me- either I am allowed to perform the repairs myself or I'm not. So I asked the same question two more times and received the same answer. I reviewed my mortgage and it provides that " During such repair and restoration period, the Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender 's satisfaction, provided such inspection shall be undertaken promptly. '' Nothing in my mortgage gives my lender the right to refuse to allow me to perform the work myself. Nor does anything give my lender any control over who performs the repair. I found PennyMac 's response to my simple question to be highly deceptive. It seemed to be specifically designed to mislead me. I've been a customer of PennyMac 's for over six years and I'm very disappointed with their response. PennyMac should be able to provide me with a clear answer to my question.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EQUIFAX, 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-23
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Comenity Capital Bank : They continue to not process payments on time on promotional balances which causes for promotional balances not to be paid down and thus create new deferred finance charges.     Bank on  XXXX / XXXX /  XXXX   {$430.00} was paid off and it was in full so the balance reflected was  XXXX . They stated it was not paid on time and processed  3 busi ness days later so they added {$290.00} in deferred interest on my account creating a balance from  XXXX  and PAID OFF to {$290.00} plus now interest on top of that.     I work abroad 9 months out of the year and also in the reserves and they notified me since it was NOT within 5 days of notifying them, they will NOT reverse the charges which is ludicrous.     When you pay in full, get confirmation from my own bank, get a confirmation email f rom Community indicating the  payment was made while looking at the current live balance at that time in late  XXXX    XXXX  , you know its " paid off '' with a "  XXXX  balance. '' How or why on earth should I look or anticipate any problems. I just returned from being overseas for work after numerous weeks abroad and just opened a bill this morn ing (   XXXX   XXXX ,   XXXX    ) to m y surprise.     They should immediately quit these practices and since this credit card no longer can purchase any motorola products, I want this to reflect a  XXXX  balance like it was in late  XXXX    XXXX  , and move forward.     They always intentionally try to hurt the " little guys '' and their bullying and illegal tactics should cease! I spoke to both  XXXX  and  XXXX   XXXX  and both did nothing ...     Now, they want me to mail them thru regula r US  MAIL, and wo n't give me any EMAIL.      XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14
Company: ProCollect, Inc.
State: AR
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:
I moved in XXXX XXXX apartment in XXXX and I ended up moving XXXX XXXX and I never renewed my lease. I let the office know that I was n't renewing my lease I moved out on the XXXX of 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 2022-09-15
Company: EQUIFAX, INC.
State: NC
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 a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand these accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX Account XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Nickel City Group LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I sent them a letter requesting the following : The only method of communication to me from you is the mail, please no calls or emails. 
On XXXX XX/XX/2022, XXXX they called me at work! 
I just need to be treated fairly! 
I never received anything in writing from them regarding the debt, I check all mail as I get it and nothing.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On XXXX XXXX, 2015, I logged into my XXXX Credit Card account to make payment. I could not access my online due to account being blocked from online access. I contacted XXXX on XXXX/XXXX/2015 regarding the message received. I was advised to send in documentation of my XXXX from the military. XXXX documents were fax to XXXX on XXXX/XXXX/2015, fax confirmation # XXXX at XXXX. Several days later I called XXXX to inquire of the status of those documents and was told that the documents had not been received. I faxed another copy of the documents on XXXX/XXXX/2015, fax confirmation # XXXX. I called XXXX Bank regarding the status of my reference account member # XXXX and was told by someone from the Executive Resolution Team that they did not know why the account was closed, as he could not see the reason. I requested to pursue this matter in an appeal process because I should know the reason why my account was closed. I have been a member of XXXX bank and have never had any issues with my accounts including making on time payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
USAA promised they would not charge Foreign Transaction fees when they forced customers to switch from Master Card to Visa. They are now saying that this only applies to the credit cards. They have done a bait and switch and deceived customers. It is documented several times in USAA communities that there would not be Foreign Transaction fees for Visa cards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio recovery said that they completed their investigation and have prove that this debt is mine, however, having a statement from the company in my name does not prove that i opened it, as i stated before, this was opened with in my name without my knowledge. This is my last request for this company to leave me alone, i will be speaking with a courts clerk going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
State: FL
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 have a collection account XXXX XXXX on my Equifax credit report, Equifax still has not reported the correct first date of delinquency on my credit report. This debt first date of delinquency is XX/XX/2014. This debt was with another collection agency XXXX XXXX XXXX collection agency in 2014, I have attached the proof of this debt with this other debt collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX  XXXX I live at XXXX XXXX XXXX XXXX OH XXXX. I need some help with my credit file there is a issue with my information not being correct. I am applying for a new job and need the right information reported on my file. My correct DOB is XXXX my correct SS is XXXX. 
My current and only employer : XXXX  XXXX XXXX  XXXX. 
PLEASE DELETE THE FOLLOWING ADDRESSES THEY ARE NOT MINE : XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX  XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX The following numbers are not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) 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 2022-04-13
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/XXXX, XXXX XXXX pulled my Equifax credit report, the Equifax credit report has on the first page of my credit report Fraud Victim " Extended Alert '' under the Credit File Status. 
XX/XX/XXXX, I called and asked for the information to be removed from my credit report, the investigation was completed on XX/XX/XXXX, Yet, I have not received an updated report which verifies the removal. 
XXXX XXXX has pulled my credit report several times and contacted Equifax directly through their number for business issues, we have both continually been told, the credit report was updated. XXXX XXXX is the mortgage processor for XXXX XXXX  XXXX XXXX. Report pulled : XX/XX/XXXX, XXXX, and XX/XX/XXXX. 
Fraud Victim " Extended Alert '' still on first page of Equifax credit report. 
I call again on XX/XX/XXXX, received confirmation # XXXX from Equifax representative, I was told by employee name-XXXX, id # XXXX, that I would receive confirmation of removal to my email address within 24-48 hours. I HAVE NOT RECEIVE ANY CONFIRMATION OF REMOVAL. 
I called again on today, spoke with XXXX, id # XXXX, I asked to speak with a supervisor and was on hold for over 2 hours, XXXX just came back to the phone and repeated the same thing, the Fraud Alert was removed. 
I pulled my credit report on XX/XX/XXXX Annual Reports, the first page still shows under Credit File Status : Fraud Victim " Extended Alert ''. 
My credit report under My Equifax, still show the Fraud Victim " Extended Alert '' on the credit summary page, but indicates that there is no Fraud Alerts. 
I send a certified letter to Equifax requesting the removal, I still have not received a return report. 
I requested a letter from Equifax confirming the removal, so I could send to the Mortgage processor, I still have not received a letter or any type of confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: Strategic Alliances, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
First financial asset management. started calling repeatedly from XXXX XXXX until today. they call from several numbers XXXX and XXXX when i answer they say nothing but call back several times. When they finally do say something they harass me about how i need to find a better job to pay them more. Even said to use my stimulus check which hasn't even been sent. They tell me i need to pay more and that i need to do better. I am a single mom of XXXX. i pay them every month and they continue to call regardless of me paying every month. it is harassment and i hnestly don know what else to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: Diversified Consultants, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting calls every two hours from Diversified Consultants with no message being left. I never consented for them to call me nor did I ever agree to do business with them. I do not have any accounts in collection and they keep harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: Paypal Holdings, Inc
State: OH
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I was tricked by Paypal into paying for online purchases through Paypal Credit, even though I never signed up for a Paypal Credit account.I never gave permission to Paypal to be signed up for their credit account. I had my own money in my Paypal account ( not Paypal Credit ) that I assumed I was using when checking out online, but I unknowingly was being charged through Paypal Credit. When I would check out of these online websites, the option to use Paypal as a form of payment did not say it was " Paypal Credit '' so I was not aware that that is what I was being charged through. I am college student and did was not receiving the bills at school, so when I cam home last week I found an enveloped addressed to me that said that since I had not paid Paypal Credit back, I owed them {$510.00} ( I unknowingly had been charging a few items with Paypal Credit over a 4 month span even though I had money in my regular Paypal account ). I then received a letter saying that since I was late on this payment, my payment had gone into collections and that it could be settled for {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05
Company: PROVIDENT FUNDING ASSOCIATES
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was recently paid off. However the mortgage lender did not refund all the monies in escrow. They held back {$1800.00} with no reasons cited. I was current on my home insurance and property taxes were paid during closing of the loan.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
On XXXX/XXXX/2016 I initiated a chargeback against my debit card for a transaction authorized on XXXX/XXXX/2016 and settled on XXXX/XXXX/2016 for the amount of {$170.00}. After I called the bank, the bank placed a hold on my debit card but never issued a credit to my account for the unauthorized charge. I called my bank today XXXX and they mentioned they never initiated a chargeback for this transaction. I want my money returned to me ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: IN
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 discovered inaccurate information on my credit report. I am informing your company the error in my credit report and request to delete the error immediately. The bankruptcy remarked hurt my credit report and might decease my credit score as well. Here is the detail : Chapter XXXX Bankruptcy / XXXX / {$0.00}

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 explanation
Consumer complaint received 2021-09-24
Company: CBC Companies, Inc.
State: AZ
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: Investigation took more than 30 days

Complaint:
When I was trying to get a pre approval to buy a new home, I discovered that XXXX ( The servicer of the loan ) had reported me late, IN FORBEARANCE, after I had paid off the loan. I had never missed a payment. I have called the company multiple times and they provided me with information confirming that I have never missed a payment and that I was in forbearance but they are unwilling to provide letterhead that this was their error ( an error that also violates the SAFE act ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
XXXX started sending us a bill for a phone that was under my husbands name or part of his name ... .they didn't even have the name correct but we don't even use XXXX nor have had ever had them as a phone provider. I called them many times and went to a local store and they referred me to a number to dispute. I followed their directions by sending a letter to XXXX. Some time passed and a XXXX showed up at our house. A phone we did not order. WE immediately went to the local store and they told us to send it back and gave me a direct address to send it back too. We didn't open the box. 
We then proceeded to get bills again for the phone and phone calls. They would only call at times my husband wasn't home and wouldn't listen to me that this was not our phone, our bill or our account. 
They finally quit calling and sending bills. Almost a year or more has passed? I can't remember dates because I thought this problem was taken care of. BUT when we were checking on my husbands credit score we were told that his score was low due to a XXXX bill that went to credit reporting. ( If I call XXXX number now that the local store gives out ... they ask for my husbands soc. security number and I am NOT giving that over the phone. So I can't speak to anyone to dispute at XXXX. ) Please dispute this problem for us and inform all that XXXX customer services is terrible and fraud. 
Thanks for your help.

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 2022-09-08
Company: EQUIFAX, INC.
State: AZ
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:
In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXXXXXX XXXX  Account # XXXX, XXXX account XXXX XXXX, XXXX XXXX  account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have disputed this money that they say I owe.each time I dispute this on my account the original dates change This has been on my account and have been sisputing since XX/XX/XXXX now since the last dispute they are showing the date of the year XX/XX/XXXX.I have also asked this to be verified with the a signed contract with my signature with all XXXX credit bureau which has not been presented. I want then to stop and remove from my credit report or provide a signed contract which I have never done with this company.Diversified Consultant in XXXX Fl

Company response to consumer: Closed with explanation