BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
ongoing issues with USAA regarding debit card disputes with merchants. USAA does not have a way for the customer to speak with anyone in the department that investigates and makes a decision about the dispute. USAA also does not have a way a customer can send additional information directly to that department. You can only upload a document on the " upload document '' feature on usaa.com and it does not allow you provide a description of what's being uploaded. you can only select what department it should go to, i.e. insurance, banking, loans, etc. 
i select banking. 

i had two disputes denied recently by USAA for merchandise i ordered in XX/XX/2020 and had not received when I filed the disputes in XX/XX/2020 over 90 days after the merchandise should have been received. I was notified there was usps tracking info that shows an item was delivered to my address, I told usaa it was never received. I was actually hospitalized on these dates of delivery and my postal carrier routinely does not deliver my mail or delivers to the wrong house. I never received the merchandise and USAA still denied my claim and removed the temporary credit. 

USAA acts as though they look for a reason to deny instead of even calling a customer to get clarification before doing so. 

i now have a new dispute that I filed on XXXX for XXXX and uploaded documents to usaa from the merchant that said the order could not be completed, the email from the merchant and my payment email from the merchant. seems simple, last night i get an email XXXX that they need more information, information ive already provided, information in the documents i uploaded that obviously no one bothered to look at. Again their practice is to find a way to deny disputes, i uploaded the same documents again. 

this seems to be a practice of USAA and if it's happening to me, its happening to other customers as well. 

XXXX for XXXX is still owed to me for merchandise not received for a dispute I filed in XX/XX/2020 that USAA denied. 

XXXX for a XXXX transactions that was done when my account was hacked by someone, login info changed and money sent to XXXX. that I did not do. This was FRAUD I've complained to USAA repeatedly about their inefficient dispute practices and nothing has changed. 

It's also their policy that you do not have to contact the merchant before filing a dispute but they use that as a reason to deny a dispute.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
Due directly to COVID-19, we become financially affected negativity. Capital one/Walmart creditor deferred some monthly payments until XX/XX/XXXX. I attempted on at lease 3 occasions on three separate months ago to contact Capital one to work out a repayment plan, only to each time, told they had no programs for me, to call back in 30 days Finally, in XXXX of XXXX Capital one agreed to a payment plan of {$150.00} per month starting with XX/XX/XXXX then each month thereafter on the XXXX, with auto pay, capital one taking the payment electronically on the XXXX of each month. 
Capital one, by delaying any assistance till XXXX, reported my account 30 then 60 days late. On XX/XX/XXXX I filed a complaint with XXXX  and via this organization, Capital one wrote letter, dated XX/XX/XXXX that they would remove the 30 and 60 day late reporting on my credit report. In that letter, Capital one also informed me I was on an assistance program and to continue monthly payment obligations as agreed to avoid late reporting. Latest was XX/XX/XXXX next being XX/XX/XXXX an so forth. On XX/XX/XXXX Capital one reported 30 days late on this account for XX/XX/XXXX payment. That payment was already made on XX/XX/XXXX. I have made another complaint to XXXX  and to CFPB because this company, Capital one/Walmart was bought from what use to be XXXX/Walmart. Now both XXXX/Walmart and now Capital one/ Walmart both appear on my credit report, and both reporting negative late notices that are Not accurate nor correct. This is hurting my family tremendously, from requesting assistance with 2nd mortgage application, personal loan or home equity loan. There inappropriate, false and defamatory reporting of late payments on my credit report that again is totally incorrect is forcing us to look at filing a possible bankruptcy. This is directly to the false and inaccurate reporting of Capital one/Walmart while Im trying our best to pay them back on there approved plan. Although I have reported a similar incident, this new information as to both XXXX/Walmart now bought by Capital one/Walmart is showing on my credit report as negative and lowering my fico score by over 43 points. So unfortunately and devastating to our family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: Experian Information Solutions Inc.
State: GA
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code Notes prev | next ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2023-08-03
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, I had a loan with XXXX XXXX XXXX along with XXXX XXXX and XXXX XXXX which ended last year. We made all our payments on time and had no issues. Mr. Cooper bought our loan and we are in the process of refinancing and it says that we deferred our payments until XX/XX/2022 which is incorrect. We also don't mind if we actually deferred but we paid the loan off completely in XX/XX/2022. Additionally, we just wanted to speak with them so we could address the issue and get documentation for our lender because we could not find any. For over a week we can not get through, they make it impossible for you to have a conversation. We also can't even find a proper email to send a message other than one for payoffs. This has been horrible customer service. We ask that they just remove the deferment note from our credit reports so that we can move on because this has caused us an issue for a long time and we are in jeopardy of not being able to refinance now because of their lack of communication. This is personally hurting us. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: PA
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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-01
Company: EQUIFAX, INC.
State: MI
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:
On XX/XX/XXXX I sent Equifax a letter asking for validation of an account on my file. The responded on XX/XX/XXXX that the account information was obtained by the court through a third party vendor, XXXX. After verifying with the court that they do not share such information with any credit agencies I sent Equifax a follow up letter XX/XX/XXXX stating such and that they're falsely verifying information they're reporting on my credit and that if they can not validate the information that they delete it. XX/XX/XXXX Equifax sent me an update that they verified this information, but they have no way of verifying it and have not produced anything to state otherwise. I called them after receiving the letter to let them know they were not properly verifying information and that if they did not correct the error I would have to report them. They refused. They have done this a lot in not truly verifying my information just saying that it has been verified. Please assist in the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: SC
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I'm filing a complaint to remove unauthorized credit inquiries on my credit report. 
I did not give anyone permission to examine, access, or utilize my credit report for any purpose, and I have not asked for credit in almost two years. I have contacted the Big 3 and asked to remove the unauthorized inquiries, but until now, there have been no responses from their office. 

I have also contacted the creditors in question, and they have no proof of each initiated inquiry. I request that XXXX, XXXX, and Equifax delete these inquiries from my credit report because they are untested, non-compliant, and unverified. After all, there is no evidence or proof of my authorization of a legal purpose, whether written or verbal, to access my credit report for any reason. 

See attachments included for all the items that are listed per Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: Financial Business and Consumer Solutions.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
FBCS called me in XXXX to collect a debt for the doc that delivered my son. I set up a payment arrangement and started investigating why my XXXX wasnt paid by my insurance company but the hospital was paid and The anesthesiologist that administered my XXXX was paid everybody except XXXX was paid for the birth Delivery and hospital stay. Once I talked to my insurance company and found that they had never received a claim from my XXXX for the Delivery of my son I then contacted my XXXX   ask them for a copy of the medical claim that was denied and now the debt that I owe for this once I got this paperwork in the mail I found that they had never build my insurance company they actually sent the claim to a wrong or incorrect insurance company. Also When I was looking into this debt I asked FBCS when and who sold my debt to them. FBCS gave me the number for a trucking company. Im called back and told they gave me a trucking companys number and they told me to call back and talk to someone that this was a legit company. So I called back and the lady at the trucking company told me no we do not collect money and we are not a collection company. So I called FBCS back and told them this information and they put me on hold so long over and over so I just kept getting cut off basically. I found out from my insurance company that the claim was never sent to them it was sent to the wrong insurance company so When the claim was denied because I wasnt a policy holder it was because it wasnt my insurance company. I called XXXX at FBCS and cancelled my payment arrangement with FBCS and told them it was because I can pay the doctor directly because they hey mistakenly billed the wrong insurance company the lady yelled at me and told me I still owed this money and that I was a liar. They are now calling me again to try and collect more money. I continue to to contact my XXXX billing department and I leave messages telling them they billed the wrong insurance company and that I will them directly I have already paid {$400.00} on this to FBCS and now I will set up automatic payments with XXXX XXXX XXXX but no one will respond to my messages. Please stop FBCS from collecting on people I have proof that the wrong Insurance company was billed and this is way out of control. FBCS calls me 10 times a day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: Dynamic Recovery Solutions, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection notice dated XX/XX/2020 from Dynamic Recovery Solutions , LLC attempting to collect {$580.00} I supposedly owed to a company named XXXX XXXX XXXX. I didn't recognize the third party creditor Dynamic Recovery Solutions , LLC was collecting for so I wrote them a letter stating I had no record of owing money to an organization named XXXX XXXX XXXX. I sent my letter to Dynamic Recovery disputing the debt discussed in the collection notice and requesting the the name and address of the original creditor. I sent my letter to registered mail with a return receipt requested. I received a return receipt via the United States Postal service indicating my dispute letter had been successfully delivered to Dynamic Recovery. 

Instead of receiving the information about XXXX XXXX XXXX who is supposed to be the original creditor I received another collection notice dated XX/XX/2020. 

I think the Fair Debt Collection Practices Acts states Dynamic Recovery should not continue collection efforts until they have sent me the documentation I asked for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-08
Company: Experian Information Solutions Inc.
State: NV
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:
To Whom this may Concern First of all please forgive me about my righting skills and spell, I'm dyslexic, Sorry about this.

any ways, I desperately asking that XXXX  XXXX  and Experian credit burues take a long and hard look at my credit report payment history.

i'm sorry but I fel that i'm being treated very unfairly here. I'm XXXX years old and been at my current employer for over 15 years.

I was brought up as a kid to be very reasonable, if you owe someone money you pay them.

but anyways to the subject here regarding ( XXXX XXXX XXXX XXXX ) I been a customer of there's for over 3 1/2 years, I had great payment history with them, never missed a single payment, i beg you please look at my account with them you'll see for your self, then the huge pandemic happen, and i feel into the ground, not only with this creditor but others as well because of being laid off, and XXXX XXXXXXXX XXXX but as soon as i started working again, I contacted the creditor directly and sent them sevral letters explaining what had happen, they stated they due what they could and thats it.

will nothing i've disputed this with all three credit bures and nothing is happening. 

I'm desperately asking for forgiveness here, I don't desver to being thorn in the ground like this with my credit score or credit report, I'm a good hearted christen guy. 

I contacted the creditors and payed them all in full. I owe a {$0.00} balance on all of theses accounts. Why in the heck would ive payed all theys accounts if i was just being a losser. 

no thats not how i was rased. They even had offered me a settlement offer, I choose to pay what i owed includeing all late payment intrest and everything. 

Please I beggeing you all to take a strong look at this and give me a little leanaly, Im truely a good guy, pleaee help me with this pleae

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 2020-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am writing because some wrong account in credit report is not belong to me. Some personal info was stolen and used. I am requiring to remove this fraud items from credit report. 
Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine. 
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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 2022-10-04
Company: Experian Information Solutions Inc.
State: CA
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 have identified information on my reports as a result of identity theft. These items are not related to any transactions completed by me.

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 2018-04-11
Company: DISCOVER BANK
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have been a discovery customer for 3 years and during that time, I have enjoyed my experience with discovery credit card immensely. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have three late payments on the above referenced accounts from XX/XX/XXXX to XX/XX/XXXX. Since that time I have been an exceptional customer paying early every month because of my exceptional payment history over the last 3 years, I would like you to consider removing the negative payment from my credit report. At the time of the late payment, I was going through some financial struggles. I recently had a baby and not to long before that I had an accident at work leaving me with medical bills that I personally had to pay due to some misunderstanding between my employers insurance. At only XXXX  years of age I am only human, I am bound to make mistakes especially when it comes to finances and credit. I say that not to justify why my payments were late, but rather to show that the late payments is not a good indicator of my actual credit worthiness. I hope that you guys are willing to work with me on erasing these marks from my credit reports.I have been a very happy customer in the past and hope to continue a long relationship with my discovery credit card. With today 's credit industry so competitive, I know how important it is to maintain good relationships with customers. Discovery has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why discovery is heads above the rest. I look forward to your reply. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation