BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I have an auto loan with USAA and I chose auto pay and the payments began to default. I was unaware of this. USAA sid they sent out mail but I never received it as i have not been home. I have n't received ANY phone calls. Not one. I was notified by XXXX that my car payment went up and my credit report went down XXXX points. USAA claim to work in the XXXX favor. How is this working in my favor or best interest. My credit is being ruined by the very people that exist because I do. I was charged XXXX dollar late fees and my XXXX credit score ruined. When i called I spoke with 6 different departments in 2 days ( transfered ) and no one was willing to help. That is why I asked for a supervisor. No one is willing to remove the derogatory information reported on my credit report. Again no one tried to call me. Where does the Sailor Soldiers Relief Act come in to play? They do n't k ow if i was deployed or not. They did n't even try to find out either. They did the same thing when they denied my VA loan stating that i did n't fit criteria because i was n't going to occupy the residence within 60 days BUT for and active duty member it 's occupy within 6 months. Well my credit report was effected then too. I missed the house and my credit took a hit because they denied the loan and chose not to listen or research the information they were giving out. When i called and corrected them i received an apology and was told to reapply. The damage was already done. This is negligence and no consideration at all. Hassle free has been nothing but a hassle the past 365 days. Losing trust bad. They to nothing and do n't try and assist after the mistake was pointed out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: CENDERA FUNDING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We were asked on Friday, XX/XX/2016 at XXXX pm to provide payoff amounts for XXXX creditors our lender wanted paid off at our closing. We were successful in getting all but XXXX of the payoff amounts by Monday, XX/XX/XXXX and the last XXXX came in by the close of business that same day. Tuesday, we went to sign the " Closing Disclosure '' and noticed the figures were incorrect by nearly {$4800.00} over the amount owed. When we asked for the figures to be corrected based on the payoff amounts we submitted, we were told by XXXX, our load would be cancelled if we insisted on the amounts being corrected. 
In addition to that incident, the agency for our homeowners insurance policy was selected by XXXX, not according to the choice we submitted to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: Consumer Portfolio Services, Inc.
State: AZ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I received a loan from consumer portfolio services in XXXX of XXXX, in XXXX I contacted them to advise them I would be a week late on my payment. At that time I was told my car would be repoed and I could not be late. The representative told me my due date would have to change. I told them I did not want my due date change, they changed it anyway. I requested for them to change my due date back to the original date when I saw on my next statement. They told me I was not able to request another due date change. I told them I never requested the date to be changed to begin with. They were no help. Further into the loan I requested for XXXX extensions total. It would change my maturity date from XXXX of XXXX to XXXX XXXX. My maturity date now is XXXX XXXX. I asked why my maturity date was added by 9 months. The rep tried telling me that i requested XXXX due date changes as well which adds to my due date. Which is incorrected I never requested XXXX, non the less XXXX. They lady at that time told me she could change my due date back to the original date. Why did this not happen when I first asked? She would not give a valid reason.I also show in 4 years I have only paid XXXX toward a XXXX loan. I will owe thousands of dollars after my maturity date. They change my dates without request, add money to my account that is not legitamate. There is illegal handling of my account, when I ask why I still owe so much money after my loan ends they can not give me a legal valid reply. They tell me a supervisor will contact me but never does. They do n't make accurate notes on my account on what the conversation entales. They make endless excuses about my account and why I will owe so much after. They have harassed me and my family multiple times througout my loan with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-23
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I have disputed Diversified Consultantso several times asking for them to validate the debt. To date I never received any communication from the collection agency. I am requesting to remove all collection accounts from all bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: Fulton Friedman & Gullace LLP
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
Fulton Freidman & Gullace, LLP have garnished my bank account without notifying me. They have taken everything in my bank account plus thousands more leaving me thousands of dollars negative without money to live off of. Also this is a debt that is almost 10 years old.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: Consumer Financial Services
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I first took out a loan with Consumer Financial Services. I unfortunately was going through financial difficulties and was unable to make payments. Consumer Financial Services then sued me, which I understood. Once the garnishments went through, I realized I was unable to afford any day to day expenses and my other bills, so I had went to Consumer Financial Services to work out an arrangement. The owner, XXXX, agreed to refinance my loan including my collection costs and put my payment at XXXX. He advised my employer that we had worked out an agreement and to stop the wage garnishment. My employer was unable to comply, so he then took advantage of the situation. XXXX first told me that he would apply the payment that was due towards my new refinanced loan from the garnishment checks and he would reimburse me of the remainder if I was current on my loan. When it came time to reimburse me, he decided that he still did n't trust me and kept the garnishment and told me he was going to keep me two payments ahead even though the agreement in writing did n't state that. I went into Consumer Financial Services to speak with XXXX directly and advised him that I was unable to afford making twice the payment on a monthly basis and that 's the whole reason I made arrangements with him. XXXX then told me that he did n't care, he does n't trust me, and I do n't deserve the funds back to me. I have a written contract with him refinancing my loan and that did n't matter. He then used foul language and was extremely unprofessional. I then started crying, being so disrespected and frustrated and he told me to stop XXXX crying and I 'm annoying him and if I say another word he would n't give me any of my money back and just put it towards the loan. I have never been so disrespected in my entire life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Credit card
Issue: Advertising and marketing

Complaint:
Like many USAA members, last fall I received an email offering a {$200.00} statement credit if I would open a new USAA MasterCard account before XXXX XXXX, 2015 and make XXXX purchases by XXXX XXXX, XXXX. My credit rating is well over XXXX, and I get lots of credit offers, which I usually ignore. This XXXX got my attention since it was a decent bonus, and was sponsored by, and came from, USAA. While I certainly did n't need another card, I took the bait and applied. I met ALL of the requirements in a timely manner, but after many months my {$200.00} credit never showed up. 

After XXXX unproductive, yet lengthy, phone calls to USAA, I finally received a call today explaining that the card I applied for ( by clicking on the button in the email!! ) was not the 'correct ' card to get the promo credit. Apparently I was issued a " Cash Back '' card, not a " Reward Points '' credit card. 

I have printouts of the offer email, and the fine print, and the screens used to apply for the card. I have supplied these to USAA via email. The card I have in my hand looks just like the XXXX in the offer email. If I did not apply for the 'correct ' card, it is because USAA 's online system took me to the wrong place to apply. 

There is no dispute at all by USAA that I met all of the requirements to 'earn ' the {$200.00} credit ... .simply that I was n't issued the 'correct card. ' This is USAA 's mistake, not mine .... 
The young man on the phone today played the 'there is no one else to escalate your issue to ' game when I told him his 'final resolution ' was ridiculous. That in and of itself is completely unacceptable and well beneath the dignity of the USAA organization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I have a USAA checking account. I recently made some bill payments which caused my account to be overdrawn but the overdraft should have been covered by my linked USAA credit card. At the time the payments were presented, there was a {$22000.00} CREDIT balance in my credit card account, i.e., USAA owed ME {$22000.00} in addition to the {$9000.00} credit limit available on the credit card account. Despite this, XXXX payments were returned and I was charged returned payment fees totaling over {$100.00} by both USAA and the recipient of the payments.

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 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 Convergent Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section604 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 2015-05-12
Company: Linebarger Goggan Blair & Sampson LLP
State: MD
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:
We received a bill from XXXX XXXX XXXX some time ago ( see attached ) in the amount of {$47.00}, we immediately contacted the county and spoke with a person named XXXX, she gave me some information about the nature of the ticket, we told her that we never received a parking ticket or a ticket was ever placed in the windshield of our car, she also said that the parking violation occurred at the XXXX airport, I informed her that we did not park at the XXXX Airport as she stated, she looked up the car information and told me that the maker of our car was a Dodge Caravan, We told her that we do n't drive a Dodge Caravan. The XXXX employee told me that it was a mistake, that they were going to take care of the error and they were going to investigate. We did not hear back from that office until we received your letter collecting the debt with additional charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card
Issue: Other

Complaint:
USAA my credit card issuer put a hold on my travel reward points because I exceeded my credit limit on my card. I pay my credit card in full every month- I do not carry a credit balance month to month. My payment was not late. I made a wire transfer to clear some of the balance but it has not hit their account so the hold is now going on day two. How do they have the right to seize reward points I have already earned? I pay my balance in full every month and reward points are earned on the prior months balance. From a financial viewpoint I have earned the points but from a practical standpoint USAA has seized my assets ( reward points ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: EQUIFAX, INC.
State: MI
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:
When apply for a car loan, dealership put my loan application through other companies. Adding other hard inquires. 

also I'm seeing a hard inquiry from I believe to be XXXX that I did not do. 

XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-23
Company: CONTRACT CALLERS INC
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been called numerous times a day for over 2 months from XXXX Callers on my work cell phone. They would not tell me what it was regards to until XXXX/XXXX/15. Before this date, they would only tell me they were collecting a debt for {$43.00}. I have spoke with them on countless occasions and asked to please send me information in the mail in regards to this and I would be happy to pay it ( if it was legit. ) They told me on many occasion they would send me something in the mail. After being told this over a two week period of numerous calls, I finally asked to please stop calling if they were not going to send me anything in the mail. They continue to call and have become very rude and harassing. Tonight I was harassed by an employee by the name of XXXX. I tried to nicely tell him to send me something in the mail. I stated they sent something in XXXX and " there is no point to send anything else because I obviously do not pay me bills. '' He also stated I " should have paid my debts and he would not have to call me. '' When I asked to speak to his supervisor he told me '' NO, you are going to stop talking and listen to him! '' He would not give me his information until I argued with him for over 5 minutes. I finally was transferred to his supervisor, I explained the situation and she told me my number would be removed from their call list.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: Capital Accounts, LLC
State: AL
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls from different numbers. The caller i.d . will show local retail store numbers and or local business numbers. I informed the collector I will contact the original creditor because this debt was from my ex husband insurance.caller then stated the original debtor could not talk to me because the account was theirs now. I have disputed the information from my credit bureau as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
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 is not mine

Complaint:
on XX/XX/2016 I switched from XXXX to XXXX and got a new XXXX. 13 days later, I returned the phone to the store where I got it and canceled my contract because the phone service was not good where I lived. my contractor gave me 14 days to return the phone and cancel if I was n't satisfied. Despite returning the phone I was later billed by sprint as if I never returned The phone. I have all the paperwork to prove that I return the phone within the 14 day window and should not be charged anything. I have called XXXX numerous times to resolve this but despite their promises my bill was sent to collection and sits at {$640.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: AFNI INC.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
After reviewing my credit report I have found information, which needs to be corrected. I originally disputed a collection account from AFNI with Equifax because it was being reported as a collection with a balance. Following the laws of the FCRA it is unlawful for the account to show a derogatory status on my report due to the XXXX being discharged in my Chapter XXXX bankruptcy. AFNI changed the account to a XXXX balance, but continues to report it as a disputed account, which when run through credit algorithms still projects negatively and effects my credit rating and respectively the percent of interest I am charged for credit. I am requesting that the item be deleted to correct the information. I am also enclosing a copy of my discharge of debtor form following completion of my Chapter XXXX bankruptcy, discharged on XXXX XXXX, 2014. 

The original account AFNI was illegally attempting to collect on is as follows : XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX Amount of dispute - {$240.00} Reference # XXXX Collection attempts on a discharged debt is a violation of the FCRA and a violation of the permanent injunction of my discharge. Thank you for your assistance with this matter. 
Here is the contact information for my bankruptcy lawyer : XXXX XXXX XXXXXXXX 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX Fax : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
New loan service agency is demanding that I as a third party authorized interest in an existing loan have knowledge of the original borrower 's Social Security Number in order to verify the loan.

Company response to consumer: Closed
Consumer complaint received 2015-08-13
Company: Diversified Consultants, Inc.
State: GA
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:
On or about XXXX XXXX, 2015, i received a bill purportedly from XXXX XXXX XXXX regarding an amount due by XXXX XXXX, 2015. On XXXX XXXX, 2015, I received a telephone call from Diversified Consultants, Inc., regarding the same amount. I was told that I was delinquent on the debt and that the caller represented a debt collection agency. I told the caller that I would have to check with AT & T before proceeding and ended the call. On XXXX XXXX, 2015, XXXX XXXX XXXX confirmed that I did not have any past due balance, that the account number listed on the purported bill is not an XXXX XXXX XXXX account number, and that the mailing address on the bill is not an XXXX XXXX XXXX mailing address. I called Diversified Consultants, Inc. on XXXX XXXX, 2015, to inform them that the debt in question was based on a fraudulent bill. I was told that the account had been closed earlier that day, and that I no longer owed any money. I believe that Diversified Consultants, Inc., alone or in collusion with one or more other persons or entities, is conspiring to commit fraud through the collection of debts that do not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
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 no knowledge of the debt, my account with XXXX bureaus such as XXXX and XXXX has a fraud alert on it.

Company response to consumer: Closed with explanation