BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-27
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2022, I sent XXXX Commenity Bank my military orders. I received confirmation on the XXXX that they were received and would be reviewed within 30 days. Then on XX/XX/XXXX, I sent them a message that it will have been 30 days soon and haven't heard anything. They responded on XX/XX/XXXX, stating that they didn't receive my request until XX/XX/XXXX and that they had 45 days and it is currently under review. On XX/XX/XXXX, I contacted them via phone and had to speak with multiple agents after requesting a supervisor because none of them knew what military benefits were or were unable to transfer me. The supervisor on this call advised that she saw the request was uploaded on the XXXX and that it has been 45 days and she would be opening an investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-05
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Financial Asset Management Systems ( FAMS ) is attempting to extort money from me. FAMS and XXXX were supposed to send me a settlement agreement in the mail which I never received. The settlement amount was {$10000.00}. Now FAMS is trying to extort more money from me by asking for {$15000.00} when I never received the settlement agreement for the {$10000.00}. FAMS is claiming that I did not accept the {$10000.00} settlement amount in a timely manner. This is lie, and a flagrant violation of the Fair Debt Collections Practices Act. I was supposed to receive a settlement agreement in the mail which I never received. I 'm willing to settle the debt for {$7500.00}. FAMS is trying to extort more money from me, and are flagrantly lying about not accepting a settlement amount in a timely manner. I never received anything in the mail. FAMS and XXXX did not attach document to the previous CFPB including the settlement agreement. FAMS is engaging in deceptive and coercive debt collection tactics in flagrant violation of the Fair Debt Collections Practices 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 non-monetary relief
Consumer complaint received 2016-12-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My bank USAA accepted and paid a check on XX/XX/XXXX even though the check had been post dated to XX/XX/XXXX The result was XXXX checks being returned for insufficient funds and XXXX {$29.00} NSF fees. I called the bank and told them of their error to accept a post dated check a day early but they would not refund the fees. When I asked to speak to a supervisor I was put on hold and then disconnected. They did not call me back even though they have my phone number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XX/XX/2019 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

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 2015-07-10
Company: JPMORGAN CHASE & CO.
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
At horrible dual charging complaints against Chase Bank and XXXX XXXX XXXX, so I do not like XXXX XXXX XXXX continually due of unfit resident of Oregon in facing rough with horrible complaints report to U.S. Senators and Speaker XXXX XXXX. I complain against Chase Bank that he did not show up and did not bring XXXX XXXX XXXX to XXXX XXXX XXXX and discuss with me in banking issues and I did not happy applied with For new Chase checking customers ... {$150.00} When you open a CHASE TOTAL CHECKING ( R ) account* & set up direct deposit** that I do not want alone going to Chase Bank , understand clearly! I did not get {$750.00}. I am really mad at Chase Bank that XXXX XXXX official with high-position did not show up and did not bring me to XXXX XXXX XXXX.

Company response to consumer: Closed
Consumer complaint received 2022-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The representative and I was discussing options on paying off an old credit card debt. The only reason this account became behind is because my son past away. when I was discussing my options of settlement or pay in full the representative said if I paid in full the account would fall off and be deleted off my credit report XXXX, XXXX, and XXXX XXXX. the account is still on my credit report affecting it negatively. I paid the account in full on XXXX XXXX thru XXXX I spoke to XXXX XXXX from Bank of America. He said he put in a request to have the account deleted off XXXX, XXXX, and XXXX. he gave me a dispute number of XXXX his number is XXXX Extention XXXX I had conversation on XXXX with XXXX XXXX who admitted to not listening to all audio from this case. how can you conduct a proper investigation without listening to all audio? Bank of America is cover there tracks and are nothing but liars.

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 2020-08-04
Company: Experian Information Solutions Inc.
State: AR
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 was trying to trade my vehicle for a 2020, since I have an old car and it is soon going to break down. I was at the dealership and they denied giving me an auto loan. I asked them why and I didn't get a explanation. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a site pulled a copy and now I am even more upset that someone has been using my name to open up accounts that should of never been open. These accounts are not mine. I need them removed as soon as possible from my name. Thank you. USDEPED XXXX {$18000.00} USDOEXXXX XXXX {$46000.00} USDEPED XXXX {$8500.00} XXXX XXXX {$1300.00} XXXX XXXX {$2000.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX  XXXX {$26000.00} CXXXX XXXX XXXX {$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 explanation
Consumer complaint received 2016-08-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card
Issue: APR or interest rate

Complaint:
I opened a credit card with USAA with a promotional offer for 0 % introductory APR for the first 12 months. I noticed after a few months of having the card that I was being charged interest on the account. I called USAA on XXXX/XXXX/16 and spoke with a representative that confirmed that I should have had the promotional APR but it looks like it never took hold. The representative stated that she would reach out to the back office and then have them contact me back to get the matter resolved. I never received a call back so I called again on XXXX/XXXX/16 and spoke with another representative. The new representative informed me that I did not have a 0 % introductory APR and stated that would escalate the call for further review. I am receiving conflicting information regarding what my promotional offer was. I never received any documentation regarding the promotional offer and this material was also unavailable to me when I looked online. I deem this to be an unfair deceptive act and practice. I recall signing up for the 0 % introductory APR for 12 months and this was confirmed by a USAA representative and now I am being told something different. My credit reporting has been negatively affected for providing incorrect balance information due to the interest that has accumulated on the card. In addition, this has caused a financial burden by having to pay on interest that was not supposed to be accrued during the first 12 months.

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 2017-01-07
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Diversified has called my office on multiple occasions from different numbers attempting to collect a debt from someone not associated with this office or myself. 

XXXX XXXX We 've asked them to stop calling but they continue and I feel as if they are violating the FDCPA. 

Can you please assist?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: Diversified Consultants, Inc.
State: FL
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:
The original debtor XXXX has already collected full payment of this debt in the amount of {$750.00}. During a conferenced call on XX/XX/2017 Diversified Consultants, Inc. debt collection agency acknowledged receipt of full payment however ; they refused to remove it off of my credit report and provide a letter stating that the account has been paid in full and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This complaint is against the Mortgage group of Navy Federal Credit Union. I was charged twice for a credit check even though they have a " credit dashboard '' which displays my credit score daily. 
Most aggravating was the way they held me hostage till the very last minute with regards to the information and documents required from me to close on the transaction. 
The application process was started over 90 days before the estimated closing date. I asked them numerous times ( I have the emails to prove it ), to let me know all the documentation and supporting information that their Underwriters would need. 
I was continuously assured that everything was on schedule by the Loan Officer. But the Loan processor who was the mouth piece for the Underwriters kept surprising us with new requirements. Three days before closing I was told that I needed to submit a " flood certificate '' for a property that was not being financed. After rushing through rush hour traffic and an hour drive across town to look for the document I got a message after 4 hours that it was not needed. 
A day before the closing while we were driving across the country I got a message that an insurance document was needed from the XXXX XXXX. A few hours later I was told it was not needed,. 
Mortgage companies should be held to a firm time table.and accountable and not subject consumers to last minute demands. i.e. no demands should be made, if the customer has complied, say within two weeks of closing. 
NFCU 's mortgage process is dysfunctional and very customer unfriendly...

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 2016-04-05
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I informed them i will make payments on the matter but they keep calling 5 to 6 times a day

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 2016-12-21
Company: Convergent Resources, 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:
Collection agency is listed on my credit report for a cable bill I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Recently I learned that Enhanced Recovery Corp. had reported to XXXX I owed XXXX XXXX XXXX {$22.00} that I was not willing to pay. This was a complete surprise, since Enhanced Recovery Corp. had not contacted me in any way about this. Not only that, but neither had XXXX XXXX XXXX. So I called XXXX XXXX XXXX. They searched all of my records for the to the very first time I opened my account with them three years ago, but could not find a record of any unpaid bills whatsoever. Yet, this is on my credit report causing unnecessary damage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
State: MI
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:
In accordance with the Fair Credit Reporting act Experian, XXXX and XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

These addresses and names do not belong on my credit report. 

Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX - XXXX Names : 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 non-monetary relief
Consumer complaint received 2022-07-27
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:
I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. XXXX XXXX XXXXXXXX XXXX XXXX  NY XXXX, XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
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:
I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2016-05-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Common wealth reinserted information that had been deleted in XXXX 2015. Common wealth agreed to remove account yet Experian continues to report account. Please delete account number XXXX from my credit report immediately as agreed.

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 2022-07-27
Company: Experian Information Solutions Inc.
State: SC
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:
submitted request to validate accounts and nothing was received in the 30 days time frame nor was I contacted that it would take longer. This includes XXXX, Experian and 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 non-monetary relief
Consumer complaint received 2022-07-27
Company: EQUIFAX, INC.
State: MO
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX BANK XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXBANK XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$2600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$240.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation