BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello, my name is XXXX and I have struggled with my credit my whole life due to living paycheck to paycheck. After years of adolescent ignorance and lack of personal responsibility, I have had a USAA XXXX ( the only type of credit I could get approved for for years ) now ) i Just got my score above XXXX, after much diligence and smart choices. Unfortunately I had to max out my card several times, but Set my payments to make double the minimum due twice a month, and that seems to get the balance down fast, until I could make the early payment I had done for months consecutively.. But unfortunately I was waiting on my tax return and a paycheck the same few days of being terribly broke. THEN IT CAME! A good check and a good tax return. And IMMEDIATELY I paid the card off in full.. thats when I noticed a late fee.. I curious what this was as Id never seen it before, then I realized my payment was due the day prior to me paying off the card entirely. I callled USAA and they confirmed the card balance was paid off in full, but unfortunately it wasnt until it had already been reported and I was told by USAA Id have to contact you guys, bc they cant go back. BUT since This, I havent missed a payment but see it as a delinquent payment.. Ive attached a payment history on the card so you can see the number of payments Ive made on time in hope you can waive this one payment that was HOURS too late. 

All of my other credit has charged off and is closed so I cant do anything ab it but wait, unless you have any suggestions

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: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: EQUIFAX, INC.
State: NV
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 XXXX XXXX  XXXX XX/XX/XXXX {$2400.00} XXXX contacted all three credit bureaus, XXXX, Equifax and XXXX and XXXX an identity theft report. 

XXXX  XXXX XXXX XX/XX/XXXX {$10000.00} XXXX contacted all three credit bureaus, XXXX, Equifax and XXXX and submitted an identity theft report. 

XXXX XXXX  XX/XX/XXXX {$5200.00} XXXX contacted all three credit bureaus, XXXX, Equifax and XXXX and submitted an identity theft report. 

XXXX XXXX XXXX XX/XX/XXXX. I contacted all three credit bureaus, XXXX, Equifax and XXXX and submitted an identity theft report. 

XXXX XXXX XXXXXX/XX/XXXX {$45000.00} XXXX contacted all three credit bureaus, XXXX, Equifax and XXXX and submitted an identity theft report. 

XXXX XXXX XXXXXX/XX/XXXX {$7200.00} XXXX contacted all three credit bureaus, XXXX, Equifax and XXXX and submitted an identity theft report. 


A HOST OF INQUIRIES ALSO I contacted all three credit bureaus, XXXX, Equifax and XXXX and submitted an identity theft report. ] XXXX XXXX XXXX XXXX auto finance XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 'XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ALSO I ASKED THEM SEVERAL TIMES TO REMOVE ANYNNAME THAT IS NOT XXXX XXXX AND THE ONLY ADDRESS SHOULD BE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-11
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022 I received a call from this name and number XXXX XXXX, XXXX stating that I had ordered XXXX. Today I was contacted by this phone number XXXX stating the same thing. I did not Altherize either transition. So I tried to checked my account on and was dinied access.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
According to the CARES ACT ... .. an accomodation includes " ANY '' payment assistance or relief granted to a consumer affected by the pandemic ... .my account was in good standing and current as agreed until XX/XX/2021... XXXXA late payment shows in XX/XX/2021... I am asking for relief and consideration for this payment to be reported and updated according to the accomodation of MILESTONE granting and waving a late fee during this time which constitutes an accomodation which qualifies under the CARES ACT. 
Acct # XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XX/XX/1987 XXXX XXXX XXXX CT # XXXX XXXX, VA XXXX XXXX Experian XXXX XXXX XXXX XXXX TX XXXX I need you to investigate the following XXXX  XXXX {$240.00} XXXX XXXX {$360.00} XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX I request you provide me with proof of this alleged payments being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ). 
Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported. 
Once you have finished your investigations, send me an updated credit report to the address stated above. Thank you. 

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 2023-10-06
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On Mon, XXXX XXXX, XXXX I received an email from Citi stating that if I open a checking account and fulfill certain criteria I will receive XXXX miles on my XXXX XXXX account. I already had an XXXX XXXX credit card with Citi and I decided to get a checking account too to get the bonus.

The criteria to get the bonus was this : ( you can see it in the attached email ) 1 ( OPEN a new checking account and enroll in the offer the same day before XX/XX/2023 XXXX ) SPEND the required minimum amount on purchases using your Citibank Debit Card within 90 days after account opening 3 ) MAKE at least 2 Enhanced Direct Deposits totaling {$1000.00} within the first 90 days of opening your eligible checking account within the same 90day window YOUR AAdvantage bonus miles will be credited to your AAdvantage account within 30 calendar days from the date you complete all required activities I completed all the requirements on XX/XX/XXXX and my miles are not there yet. I contacted support multiple times on the phone and chat ( see chatlogs attached ) and the miles are still not on my account. Customer reps confirm in this chat logs ( citi promo 2 screenshot ) that I met all the criteria but when they open a support ticket to review my account it gets denied.

I contacted support again today and they transcribed a letter that there is nowhere in my account telling me I have to send proof I was selected for a promo to a physical address in XXXX XXXX, Texas. I am tired of this game when their reps have recognized I have the promo, I met all the criteria and I received my promo on my personal email, which is linked to my Citi account. I have never had to chase a bank so hard to get a promotion posted to my account.

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 2023-06-23
Company: EQUIFAX, INC.
State: MD
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-06-11
Company: John C. Heath, Attorney at Law, PLLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
I had contracted with Lexington Law in or around the year 2017. I had been told they send letter on your behalf to the creditors in order to fix your report. I received returned mail where they not only submit letters on your behalf, but they forge your signature. An " attorney '' ( female ) told me they were granted POA through the XXXX & XXXX 's and fine print, yet what attorney forges a signature instead of signing in POA?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Request : Please delete the 90 day late payment off Credit report with all three credit breaus Account Name : XXXX XXXX Social Security # XXXX Old property address : XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX Account Number : XXXX ( 90 day late payment ) XX/XX/XXXX To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains a 90 day late payment reported on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for my XXXX XXXX XXXX XXXX account. 

I want you to know that I understand my financial obligations, and if it werent for my property taxes increase to make our equity amount increase, which I was not aware of until I received my invoice with a {$400.00} a month increase. Id have an excellent repayment record. I made a mistake in falling behind, but since then I set up a payment arrangement, paid the payment arrangement off in full before the scheduled payment arrangement time, and also paid my mortgage off in full with a {$0.00} balance. Since then, Ive had a spotless record of on-time payments. 

Im planning to apply for a new mortgage loan with XXXX XXXX, and its come to my attention that the 90 day missed payment on my record is hurting my ability to qualify. I have tried disputing this information directly wit XXXX XXXX but was informed they denied my request due to the reporting information reporting was accurate. Well I do understand, but I have never been late on my Mortgage with XXXX XXXX  before the Invoice of my {$400.00} monthly increase due to a increase in property taxes that I was never aware of. 

I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the 90 day late payment on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
If you could please fix this ASAP, i am trying to re-apply for the new VA loan within the next two weeks, and this is effecting my approval with XXXX XXXX. I am asking you to please, please help me with this situation. 

Thank you for your consideration, and I hope youll approve my request. I can be reached at XXXX. 

Best, 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 2023-01-02
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Hello, On XXXX, I sold a product via PayPal and the buyer sent me payment of {$1300.00} ( Total {$1400.00} - {$41.00} fees ) and as soon as he got the product, he claimed the product to be fake and disputed the payment. I had not received the payment at all in the first place, since PayPal put it on hold saying that since it is a big amount, we usually hold it for 24 hours and then after 24 hours said that it will be on hold until the product is delivered. And once the product was delivered, the buyer disputed it so now when I reached out to PayPal, they are saying they cant do anything about it. 

What I dont understand is, PayPal being a 3rd party, should be impartial to either parties but seems like they always side with the buyer because I have got no help from them. Initially, the buyer, even after agreeing on adding PayPal fees and shipping cost to the purchase amount, did not do that saying he forgot to add the PayPal fees, so PayPal deducted the fees and then I had to pay ship the product via XXXX so that cost me another XXXX. So, instead of the total amount of XXXX XXXX XXXX XXXX PayPal fees XXXX XXXX XXXX XXXX  + shipping cost ( XXXX XXXX XXXX XXXX, though it was not okay, I thought I could live without the PayPal fees and shipping cost, but turns out I am not getting a XXXX XXXXXXXX out of this. 

I do not know what my next recourse is because the buyer has disputed the payment and PayPal isnt helping at all. 

Please help me out here. Some details that may help you understand the case. 

Paypal ID : XXXX PayPal transaction XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amount on hold : {$1300.00} Please help me out and let me know if you need any additional information from me. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay. I kindly urge you to rectify this situation immediately and ensure that my account accurately reflects my history of on-time payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02
Company: Experian Information Solutions Inc.
State: DC
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:
My name is 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.

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 2023-05-20
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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, U S DEPT OF EDXXXX XXXX Balance :  {$0.00} XXXX XXXX XXXX XXXX : {$15000.00}, XXXX XXXX XXXX Balance : {$7200.00}, XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$3100.00}, XXXX XXXX Balance : {$1800.00}, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$19000.00}, U S DEPT OF EDXXXX XXXX Balance : {$0.00}, U S DEPT OF EDXXXX XXXX Balance : {$0.00} , U S DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} , U S DEPT OF EDXXXX XXXX Balance : {$0.00}, U S DEPT OF EDXXXX XXXX Balance : {$0.00}, U S DEPT OF EDXXXX XXXX Balance : {$0.00} , U S DEPT OF EDXXXX XXXX Balance : {$0.00}, TELECOM SELF-REPORTED XXXX Balance : {$21.00} , TELECOM SELF-REPORTED XXXX Balance : {$60.00}, XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
To Whom It May Concern : The goal in the headline of the letter is always to setup a situation where the burden of proof relies on the consumer reporting agency ( Credit Bureau ). You do not want to make a specific claim about a specific account in the first-round investigation request letter. The reasoning for this is called XXXX XXXX XXXX. Making a claim of Not Mine or Never had account when the account is yours invalidates the claim if it is in fact yours. Write as if you are a consumer without the XXXX XXXX in this round to prevent it being misinterpreted as coming from a credit repair company. 
You cant go wrong with quoting 15 U.S.C. Sec. 1681i, since it is very broad and covers Procedures in case of disputed accuracy. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), and 1681i ( a ) ( 1 ) ( C ) covers the general investigation overview, the extension of the period to reinvestigate, and the limitations on extension of the period to investigate, while 1681i ( a ) ( 2 ) covers the promptness in how the bureaus must handle the notifications. 1681i ( a ) ( 3 ) covers if and how the bureaus can determine if a dispute is frivolous or irrelevant, all the way to 1681i ( f ) ( 3 ) where it governs how a CRA notifies a consumer through a reseller ( XXXX XXXX ) ( XXXX ) and others who furnish third party disputes free of charge, etc. 

Collection Account : XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief