BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The balance on the credit card was paid in full. I did not use this card for any transactions after the balance was paid in full. I only use credit cards for emergencies and then try not to carry a balance. My credit history and XXXX score was in the XXXX range when I first started dealing with USAA and had a excellent payment history prior to any financial dealings I had with them. Since my mortgage refinance in XX/XX/2015, that they processed under illegal contracts contracts, my credit history and scores as well as my financial life has been a logistical nightmare to clean up. 
Below you will see the proof that this card balance was paid off. 
USAA has caused harm and character defimation to my credit history and score by falsifying any transactions occurring after this payment shown on this bank statement. 
Such malicious acts were done to keep me from moving forward financially and to cover up their illegal and fraudulent mortgage service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-05-31
Company: ENOVA INTERNATIONAL, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I utilized a debt relief company to settle with this company as I knew there'd be no way they would be reasonable dealing with me directly. I wasn't up for fighting and arguing with them. I purposely used a co. that makes monthly payments as opposed to the scam operations that just keep taking your money while further damaging your credit and creating too many other problems. I spoke to the collections dept. at Net Credit last year when they sent me a conf. email that they'd received a pyt. Highly unnecessary as I already know when the payments are being made because I'm making them to the debt relief co. monthly. 

The conversation I had with them entailed when they would show the debt paid off & settled. They told me 60 days after the payment posted. Well they were paid off on XX/XX/2021, well past 60 days. Yet the account hasn't been updated at all on my credit. I am demanding that they do as they promised verbally and update the account. If they choose to ignore this request I will push to have it removed from all of my credit permanently because the info reported is in fact incorrect! It had better not take another 60+ days to do so either. 

They need to do it now, they didn't cut me any slack when they shamefully refused to charge off the debt, continued to charge me interest monthly to the tune of over $ 13K! So I'm not cutting them any either. I will force them to remove it from my credit or sue them if need be. Their choice!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: EQUIFAX, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following US DEPT OF ED/XXXX XXXX .... Balance : {$5800.00} ; XXXXXXXX XXXX XXXXXXXX .... Balance : - ; XXXX XXXX XXXX XXXX XXXX. . Balance : {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been a USAA customer for over 30 years and in the last several months I have made several large payments to my credit card. XXXX for XXXX in XX/XX/2021 and one this week XXXX XX/XX/XXXX ) for XXXX. 

USAA has gotten into this habit of not applying the payment for seven days. I called USAA and they tell me that this is related to DTCC and ACH clearing. Which is nonsense as the ACH clearing takes 2-3 business days. 

My concern is that USAA has this money and they are not applying this to the available credit but they are likely using the money in the banking apparatus and leveraging for loans and other financial products. 

When I spoke with USAA they refused for over 30 minutes to transfer me to supervisor and once I did, they didnt seem to care. The supervisor told me that, no one in the bank can make this faster. 

It seems like this is local policy and that numerous customers are experiencing the same issue. This is based upon a number of internet services and the exact same issue is being described. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: EQUIFAX, INC.
State: AZ
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:
On XX/XX/2021, I contacted XXXX to dispute a fraudulent charge off account with XXXX XXXX Bank. I never had an unsecured loan with that bank. I was told that I couldn't dispute the account nor could I remove the fraudulent address associated with the account. A letter was sent to the actual creditor and they had no contract of an unsecured loan with my name and SSN. I noticed on my credit report that the account went from {$18000.00} to {$13000.00} within a couple of days from talking to XXXX On XX/XX/2021, I got an alert from XXXX saying that the account was completely paid off. I never made a payment. I called XXXX on XX/XX/2021, and asked to dispute the account. I was told that the account can't be disputed ever again. I asked why and was told by XXXX ( rep for XXXX  Special Services ) that the account had been blocked for fraud previously but XXXX XXXX Bank sent XXXX documentation of a loan in my name and SSN. I asked why XXXX has never sent me this documentation and was told that I have to contact the creditor because it's not XXXX job to send documentation that validates a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
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: Personal information incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately. 
Wrong Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: Netspend Corporation
State: SC
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
On Tuesday XX/XX/XXXX at XXXX I check my card balance i knew I had XXXX $ to my name but jus wanted to be sure but when I checked it it was sayin that I have a pendin charge of XXXX $ and honestly dont kno wea it came from cause I have not spent anything.

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 2022-12-07
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2022 National Credit Systems , Inc agency sent me a letter in the mail, seeking an unvalidated and incorrect amount on the behalf of their client - XXXX XXXX XXXX XXXX. The letter did not contain any itemization of the bill. The letter also did not include the section on my right to dispute or to verify it. Moreover, the letter only contained the phone number and a threat of reporting the debt to major credit bureaus. The debt has already been reported to all credit bureaus two months prior the letter was sent to me. There are already three instances of false information from this collection agency. Moreover, the agency is not updating the payments that I made to the original creditor, and continues to falsely represent it to the major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I'm XXXX XXXX, a recently admitted medical student at the XXXX XXXX XXXXXXXX, and I wanted to let everyone know that I am experiencing a severe financial emergency. I have had all the money awarded to me from financial aid, everything I had until XXXX over {$10000.00} taken from my account by Citizens bank. 

I had to take a private loan from Citizens bank, years ago to pay for tuition. I was unable to pay their exorbitant amount of $ XXXX in student loans while I struggled to even afford food and barely able to afford rent. Because of which, I get every single cent I had to live taken from my account without even my knowledge. 

All be because I defaulted on my student loans, since the very little money I had left over, was used so I could feed myself and my puppy. I informed them of my situation last year when I was to begin repaying my loans. I tried to refinance my loans even with a cosigner, and nothing was able to be done about this. 

They do not want to return the money that was given to me by federal student loans, and said it was " justified. '' I now have $ XXXX in my account that includes overdraft fees. I can not afford a single thing, and here I am in medical school not being able to afford food, once again. 

I have no clue how I am going to be able to feed myself and my dog. I have no clue how I am supposed to pay all my bills, my rent, my hospital, and medical bills any of my medication that helps me get through the day. I kept working at my previous job as a lab tech at children 's hospital, part time with the hopes of l bettering my financial situation. At this point, the amount I make is insignificant related to my expenses, although at least I still have health insurance. 

Citizens called the police yesterday to do a wellness check on me because I let the bank know how horrible this situation has affected me. I can not sleep, any rest I have has been restless, and I barely have any groceries left. I was planning on going grocery shopping over the weekend until I realized I had absolutely no money left. 

Please help. I don't even know if I can even afford to continue medical school like this. Not even after I spent almost 10 years working to get a seat in medical school. I should not have to worry about being able to feed myself while I study medicine. 

I have already experienced too much financial difficulty this past year. I had the idea that my admission to medical school at XXXX, was going to be a temporary solution to my financial crisis, only for my situation to become significantly worse.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-24
Company: Experian Information Solutions 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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be updated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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:
On XX/XX/2023 I reviewed my credit profile from the credit reporting agencies Equifax, XXXX, and XXXX. I found there were Hard inquiries from different companies that I did not authorize for these inquiries to take place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Citizens employee promised the promotion that was being offers for {$300.00} if you change your direct deposit to the account after opening it. I asked if the offer was good for in person and online and he assured me it was. Told him I would go home and do it online if it was not and he said it would be good either way. Opened the account with him right then in person and now Citizens is refusing to honor promotion because account was not opened online. Spoken to bank manger and online account managers. Bank manger never followed up and I had to call multiple times to find out what was going on with it and she said they will not honor the promotion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-01
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. 
I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely effects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
On XX/XX/XXXX I was billed an annual fee of {$29.00} on my Capital One XXXX credit card. This card was originally opened in XX/XX/XXXX as a starter card to build up my credit. Within the last year, Capital One upgraded me to the new version of the same XXXX credit card. I called Capital One to question why I am still getting charged an annual fee of {$29.00} when it clearly states on their website that this card has no annual fee. I was told that the annual fee is dependent on the credit rating. I stated that can not be true because in the credit card lending statement it nowhere states that credit rating can affect and change the annual fee. They retracted and said that is correct but my annual fee has been carried over from my original terms. I spoke to a XXXX and they stated that they can not permanently remove the annual fee from this card even though if I were to apply for this same exact card right now, it would have no annual fee. I explained to them that is unfair to a consumer. I get a credit card with their company to build my credit. I do exactly what the card is designed to do which is to build my credit. I have had this card for 9 years and built my credit up to XXXX but Capital One can not honor what it states on the terms for this credit card. The XXXX credited me the annual fee for this year but told me the only options that I have is the cancel the card or apply for a new one. I asked if they could upgrade me to a card with no annual fee. They stated that they have no cards that I can be upgraded to without a fee. In conclusion, Capital One has only left me the option to cancel my credit card and lose 9 years of good credit history or run my credit for a new card with them to a new card because I can not be upgraded. Doing both these options will lower my XXXX XXXX. So if I want my credit not to be affected I have to pay an annual fee on a card that no longer has an annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: MS
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 writing this in regard to recent findings and have called and sent letters in regard to Equifax Improperly sharing my information and reporting false and in accurate information on my credit report. they have continued to report these false and inaccurate information causing me stress and uncontrollably anxiety. What they are reporting is keeping me from getting a home for my family and a car. Pursuant 1681 ( a ) 3 the Consumer reporting agency ( EQUIFAX ) has assumed a vital role in assembling and evaluating consumer credit and other information on consumers. Pursuant 15 USC 1681 ( A ) 4 they have exercised their responsibilities with unfairness, without impartiality, and with no respect for the consumers ( ME ) right to privacy. Pursuant 15 USC 1681 ( b ) 2 I did not give consent for them to furnish anything on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Investigation Request Letter To Whom It May Concern : I received a copy ot my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. 
Please investigate the following accounts and remove them if anything is missing or not correct on them. 

I demand the following accounts be verified or removed immediately. 

Name of the account XXXX XXXX Reported on XXXX and Experian Account Number XXXX XXXX The Account was started under A business tax id and they logged it under my Social Security without my consent. And also the report is wrong. 

I need this deleted from XXXX And Experian In accordance with the Fair Credit Reporting act 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 explanation
Consumer complaint received 2022-12-17
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation