BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-16
Company: QC HOLDINGS INC
State: OK
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
9 hundred and change unsure on the amount I have set up arrangements on for today did not go through since payday is today or tonight. Anyway I was called by structure settlement company first to my job telling me they spoke to my employer but willing to give me a chance to settle I asked not to call place of employment today i was working and unable to answer my phone I review voice mails 2 actually stating they reviewed reciting and payment came pack nsf well not true because I set up on my card. They he tells me they take those nsf payments very seriously in a very loud and threatening tone. I will pay my debt but I do not appreciate the threatening voicemails or leaving my personal info on a voicemail. Or calling my employer. If the want to garnish go ahead I will pride fax information for them to send in the right way! This is un acceptable

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 2019-09-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been with USAA for several years. I recently switched my banking over to USAA. For weeks they have asked for documentation and ID. All of which I supplied multiple times. On the XXXX without any notice other than the same email I have responded to they froze my checking and savings accounts. I did not get one phone call to my cell or home. I do not have 1 voicemail from USAA. I do not have a USAA number in a blocked list or anything. I called them, supplied the documents again that they wanted. Called back instantly to make sure those were received. USAA has had everything they need for the last 3 days and yet after more than 9 calls and escalations my accounts remain frozen. I can not get my medications or food or pay bills. My bills are being returned and Im getting fees and USAA says I have to wait for the back office to release the hold and the only way they can communicate with this back office is via email. I have been paying my insurance bills for years and not one issue with identity as long as they are taking your money. I have even had my father who is next of kin supply documents and his XXXX and license and still here I sit going into day four with no access to my checking or savings accounts because I was just told I have to wait till the back office gets to me because Im not next in line. I would understand if there was something going on but there isnt and they have what they need and basically I have to wait until USAA decides I can have access back to my own money! I was told they do this to everyone and if I had known that then I would of never ever switched banks to USAA. I have called everyday explaining the urgency in me seeing my dr for my XXXX meds and I had to reschedule 3 times costing me {$50.00} that I cant pay right now either. Once they got what they asked for my accounts should of been unfrozen immediately. Im not a new customer I have been one for like 10 years. They need to stop doing this to people without making sure they have made contact with someone. A call and voicemails would of been nice to my house and cell none of wish I can locate and I have searched all call history extensively. They send an email to an app I may not login to that day and its not specific either. Its the same one theyve sent over and over. I need access to my account immediately. I need food and to pay bills. Im racking up fees and late fees. Is USAA going to pay the {$50.00} to XXXX dr or late fees to cap one or anyone else? I shouldnt be waiting 4 days to access my funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
For the past 4 months I have been having issues with Transunion getting my credit score. Everytime I called, the agent would pull up my sister 's credit file and confirm is mine just because we share similar name and share the same mailing address. However what they have on record is my sister 's credit file and not mine, and they somehow updated her information with my name. When I asked the agent to reconfirm my name, social security, and date of birth is when they realize is not my credit file is my sister 's due to difference in social security number. Both XXXX  and XXXX  were able to update my personal information and my credit score with them would be provided to me. I have been calling Transunion about this issue, and it ends up Transunion does not have a credit file under my name/Social security number/date of birth. The only way they would create a credit file for me is if I send them a copy of my social security card, birth certificate, and driver 's license, and also a letter stating the issue and how I would like to resolve this. I mailed the letter and the personal information to Transunion four times, with first time no tracking number, second and third time with just tracking number and the fourth time I included signature request and tracking number. However, the agents there claim they never receive any of my letters or packet but I confirmed with USPS who is my mail carrier, and USPS confirmed my letters were delivered. So far, this has been a back and forth waiting game with Transunion, and its holding me back from qualifying for a mortgage loan. 

Below is list of dates I mailed out the letter, my driver 's license, social security card, and birth certificate : XX/XX/XXXX : no tracking number included XX/XX/XXXX : Delivered status shown in Product Tracking attachment provided by UPSP XX/XX/XXXX : Delivered status shown in Product Tracking attachment provided by UPSP XX/XX/XXXX - USPS Tracking Number : XXXX Below is my file numbers with Transunion in regarding this issue : 1 ) XXXX 2 ) 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 2019-11-27
Company: Experian Information Solutions 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:
I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report. XXXX, XXXX XXXX and XXXX XXXX XXXX. I have reached out to my local police and the FTC as advised.

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 2023-11-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone at a bank ( XXXX ) opened an account fraudulently under my name. So they used my name and social security number. The bank and the Equifax XXXXredit reporting agency refuse to remove the fraudulent information in the report, claiming the the identification information matches my name... yeah, because that's how identity theft works. I have included ANOTHER FTC Identity Theft report, showing that this is a case of fraud, and have gone through all the proper channels of reporting it to local and federal authorities. Now, it is EQUIFAX that is violating the fair credit reporting act by not removing the fraudulent information in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: EQUIFAX, INC.
State: TN
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:
By far the worst experience I ever had with any financial company. This company is scam and should be shut down! 
This company is violating the laws ( UDAAP ) and needs to be held accountable. 
My story : Unfortunately I foreclosed on my home in 2018 and received a debt cancelation documentation from my lander at the time ( XXXX ). I ended up taking a huge loss and paying almost 30k to IRS to cover this free money that was forgiven by lander. 

This other company started contacting me recently via mail ( XXXX ) stating that they are my lander now!?!?!?!?! How can they be my lander if I dont even have an open loan ( with them or anyone else ). 
I contacted them attempting to clarify and resolve this mix up. I was already upset and wasnt very nice to several reps/managers who were asking me ridiculous questions and not willing to help in any way. Only thing I was asking is to be removed from their mail list and for them to stop contacting me about the loan I no longer own. 

Well, someone from this company decided to retaliate and reported a new open loan with 24 no/late payments to the credit agencies. 
My credit score went down 150 point for the loan that I dont even have!? 


After several hours on the phone, I spoke to two different supervisor and no one could tell me what in the world is happening. They both ensured me this will be handled with urgency and this remarks will be removed from my credit report. 
Well, 2 weeks later nothing was changed. 

Just spoke to another rep from this company who refused to transfer me to one of the supervisors, was extremely rude and obnoxious and ended up transferring me to no one ( hanged up on me ). 

This is completely unacceptable and I'm counting on CFPB to assist me resolve this situation and quickly. 
I did some research on this company and couldn't find a single positive review from any of their customers. 
Please contact me if you require more information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: ID
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Portfolio complaint XXXX. Account XXXX. Their response- I was sent statements by XXXX XXXX that were mailed to the wrong address for 5 months and during the time of CO-VID I lost my job and had to move XX/XX/XXXX. I was given no opportunity to work with the creditor or get relief from this debt because of CO-VID or statements being sent to the wrong address. I had this account for 10 years and it was charged off with no notice. The XXXX XXXX notice was dated XX/XX/XXXX which was 18 months after I moved and I had a change of address submitted to the post office! This account was a charge-off. Unfair practices Portfolio! and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-08-15
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX while traveling in XXXX de XXXX, XXXX I was robbed at knife point. At the time I had cash, my wallet with my Chase debit card, and my cell phone. All of those things were taken. I called Chase to have my card closed and discovered that XXXX unrecognized charges had been made to the account totaling {$64.00}. The man I spoke to assured me that everything would be ok that the card was closed, and that Chase had credited my account. 

I spent one more day in XXXX but because my nerves were frazzled, I just wanted to get out of the big city and so I sent myself {$380.00} via XXXX XXXX so that I could have some money. I also advised my XXXX host that I had been robbed and she offered a night for free. In the stress of the next few days, I did not make a police report. I simply wanted to get out of XXXX. 

On XX/XX/XXXX I returned to the United States, shortly after on XX/XX/XXXX I received a notice from Chase denying my claim and informing me that they would be taking {$64.00} out of my bank account. When I called, they told me that I needed to send in documentation. I told them that the previous representative had not told me that I needed to have a police report. They said they would not help me. I asked for the information used to come to the decision and received nothing. As such, I faxed them my XXXX XXXX receipt and the communication I had with my XXXX host to show that A. I had informed someone about the robbery and B. That I was forced to XXXX XXXX money to myself. I have still not heard back from Chase. 

Seeing as I had been robbed and violently assaulted on the XXXX of XXXX, it would have been absolutely impossible for me to have used the card on the XXXX. I was given conflicting information by different Chase representatives, however, in the end my claim was baselessly denied. Chase sending me a letter informing me that they were going to debit my account was akin to being robbed again. I would like my claim properly handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
PayPal denied my unauthorized claim for {$1600.00} sent to an unverified PayPal account. I filed a claim stating it was not me who made the transfer they closed the claim out stating it was authorized without fully investigating. All they did was trace the IP address thats not enough proof that it was me who made the purchase. This has been an ongoing issue since XXXX. Now I have to get my bank involved and hope they honor the refund due to the past timely filing time frame. Im going to contact the police and file a claim against PayPal for fraud. There is no security for PayPal account holders they allow all fraud to go thru and they make you pay for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I requested validation & verification under the fair debt collection, practices act for several different accounts, which they did not provide any verifying information whatsoever.

I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

15 USC 1692C C 15 USC 1692 G 15 USC 1666 15 USC 1666B ( a ) Section 607 15 USC 1681 ( E ) XXXX, XXXX XXXX and Equifax are direct violation of laws passed by Congress FCRA. I have disputed these accounts multiple times, and they are ignoring the law in relation to my consumer rights. Theyre only response has been we have verified the information theres no name theres no documentation theres no balance sheet. Theres nothing whatsoever that can factually attach me to these alleged accounts that they are claiming belong to me and our negatively reporting on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Company: Sentry Credit, Inc.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XX/XX/2014. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 usc 1605 a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges I was not expecting a bill. XXXX XXXX has sent me several bills in which I have made several payments to. This is a violation of 15 usc 1692b. You are acting as a third party debt collector and I never gave you permission to obtain my information. There isn't a contract between Sentry Credit and I, if so, please present that contract to me with my signature. You will be held Criminally liable Pursuant to 15 usc 1611 and Civilly liable pursuant to 15 usc 1640 for violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: Experian Information Solutions Inc.
State: TX
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 {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX ( XXXX ) XXXX Installment loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
US SM BUS ADMIN ODA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ( XXXX ) XXXX Business. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX ( XXXX ) XXXX Rental on behalf of XXXX XXXX  XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX. 
XXXX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX Charge Card. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX ( XXXX ) XXXX Rental on behalf of XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX. 
Not disputable online FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING 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