BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
We were supposed to close on the property on XX/XX/XXXX. Due to USAA erroneously closing out the paperwork regarding this sale in their system, closing on the property was delayed. We had to wait 2 weeks for USAA to assign a new person to our account, wait for that person to read and agree to the documentation to proceed to closing. We made every single payment on the mortgage on time and in the amount due since XX/XX/XXXX. The closing finally took place on XX/XX/XXXX. Due to the different departments at USAA not communicating, the sale wasn't known by the loan department who subsequently reported my now ex-husband and I as being late on one ( 1 ) payment in the entire 14 years we had the loan. I spoke with USAA on numerous occasions for them to fix their error. Finally, I received a letter in the mail dated XX/XX/XXXX stating that they corrected the dispute on our ( ex-husband and my ) account and notified the credit reporting agencies of their error so my credit report would be fixed. It is now 5 months later, I have reviewed XXXX, XXXX, and XXXX  and they all still show I was late on one ( 1 ) payment that I wasn't. 

When my ex-husband called USAA to have this same issue fixed on his credit reports and to receive a letter like the one they sent me, he was told they could not send him one in his name since they already generated a letter for me,  however, the letter I received does NOT reference XXXX 's name at all, nor did they go through the process to fix the error they caused on his credit report. This is so unacceptable. 

This is severely affecting my credit score and hindering my ability to buy a house for my son and me. I am recently  divorced and need to provide a home for him. I am a U.S XXXX XXXX veteran and want to use my VA certificate for the loan. Based on their rules, I will need to wait until the late payment falls off my credit report to use it. I close on my current house at the end of this month and am in the process of buying a new house and am now experiencing difficulty obtaining a mortgage. Please look into and assist in rectifying this matter. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: VA
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:
This inquiry is not authorized and was done by that creditor without permission! You must 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 non-monetary relief
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: OH
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:
After reviewing my report, there are several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Company: ARVEST BANK GROUP, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My wife and I applied for a mortgage loan from Arvest Bank in XXXX, OK. We started the process on XX/XX/2022. During the process Arvest Bank required us to pay a {$500.00} deposit that would be refunded once the loan closed. We promptly paid that with our credit card. The loan closed on XX/XX/2022. Since then we have tried several times to get our {$500.00} back. It has now been XXXX weeks since the closing and we have had a variety of excuses but have not received the check. If the bank had any concern about customer service they would have credited this amount at closing. 
Apparently we need help in getting the {$500.00} refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Experian Information Solutions 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:
15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information..

The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance.

Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately.

Before you think to reply that this account has been validated, let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. 
Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

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 2021-09-26
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted the collection agency and the original creditor an informed them both that they have a collection account in my name that does not belong to me. It appears to be an collection account with a company name Merchants Credit Guide partial account number XXXX in the amount of {$340.00} with an open date of XX/XX/2020 and the original creditor is XXXX XXXX XXXX. I have requested signed documents or any contracts that would link me to these accounts in written and both the collection agency and original creditor has failed to provide the information requested and this is a breach against the HIPA Law.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have 2 cards with XXXX XXXX XXXX and Stein Mart. The XXXX card limit was a XXXX and the Steinmart Credit card limit was XXXX. I never missed a payment nor was I late. I have since paid the cards off in full. Synchrony Financial lowered both of my card limits to XXXX. In addition, I did not give them permission to check my credit whether its a soft pull or hardpull. I received a letter 2 weeks later notifying me of the credit decrease which XXXX XXXX  has pull my credit without my knowledge. This is unacceptable when someone is doing their best and making the payments on time. This is deceitful to the customer

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 2023-10-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX we agreed on a 24 month payment plan for XXXX XXXX XXXX. Upon our request ; we asked XXXX to send us proof that we signed a contract stating we agreed to pay for services over 24 months. We received from XXXX XXXX XXXX XXXX XXXX And XXXX form dated XX/XX/XXXX and the signature did not even come close to mine nor my wife 's signature. The form stated that we had agreed to a 60 month plan which was false. We also received a XXXXystem Purchase and Services Agreement dated XX/XX/XXXX. The signature on this form was no where close to mine nor my wife 's signature also. So these forms were fraudulently signed and stated we agreed to a 60 month plan instead of the 24 month plan we agreed to. 
The signatures on both forms do not even match, nor or they close to the same signature, which proves we did not sign these forms. 
Please review and respond to whatever steps we are to take next. 
Thanks! 
XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
Company: CL Holdings LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never had a XXXX account. I sent several letters to the collection agency and the credit bureaus in order to verify this debt and to let them know I never had a XXXX account and nothing has been done

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: Experian Information Solutions Inc.
State: FL
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 paid for membership to experian account XXXX, XXXX. 
The employees procrastinated and stated criminal offensiveness accessorizing to a side or preadvisory by which they uttered a derivative to a result that inflicts to euphoria sensation degrading, and to XXXX slurs which supported their empowering to an offender defrauding my identity while defamtive, and the rep used willful opposition, delay, obstruction to not be a prompt and dire attribute to stop their defrauding by the information they supplied by phone transpire which exposed they possess material information that stages a protocol that chose a fixed outcome that defrauds my valid identity XXXX XXXX XXXX XXXX XX/XX/1980 and that they record data that is aiding the scrimmage they chose for an offender which indicated evidence they are against my identity which is experian fraudulent action as well the impeding to do nothing towards the murderous transpire to a premeditated murder to me by defamative force they devised which they upheld by the offensive willfull utter that is degrading and abusive demeanor and criminal misconduct. Please shut down experian and attribute only 2 credit bearuas since experian operates in lack of bona fide ability, and willfully choose fraudulent murderous crime and robberous violence exposing they are not monitoring anything they pitch that they contracted, and that they do not offer insurance or protection no matter how people feel which is not attributable if they can not recognized the murderous deadline that murders me, as well the inability to supply employee record to reach which employee chose terroristic crime and deragafrauding my true and factual basis only valid identity XXXX XXXX XXXX XXXX american XXXX nationality.

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 2023-08-01
Company: DISCOVER BANK
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
I have a bank account in XXXX ( XXXX XXXX XXXX XXXX ) and this year I withdrew the deposits as they matured. I noticed that I have been charged carrying fees for my transaction. Discover bank says they don't charge for wire transfer. Discover bank uses XXXX XXXX XXXX as correspondent bank. I have asked them why the year there has been between about {$50.00} lesser in remittance. Discover says they don't charge anything. XXXX also says they don't charge anything. My question is who is taking this money from me without reporting? all this transactions are USD and not in rupee. So, there is not currency exchange fees either. Can you please help me solve this mystery as I have lost at least {$300.00} in international transfers so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting 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:
I went to file a dispute due to someone using my identity and Trans Union keeps telling me they are going to fix it. However 5 months later they have not done anything I have called mutilp multiple times and I keep getting told that it's either a website issue or it will be escalated to another department as of today five months later nothing has been done I just spoke to the rep XXXX. and she said that there is an error on my account however this should've been taken care of five months ago

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: AR
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 not sure the dates I thought I froze all accounts but now my log in information is changed I have had trouble sighing into XXXX as well my ex husband has my social security card and old licences I can't log in to any of my information to fix or monitor it it's a nightmare and I don't know what to do my name is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Arkansas XXXX XXXX ss # - XXXX XXXX XXXX birthday XX/XX/1987 I didn't realize this was happening until I didn't get my taxes and someone already applied for financhial aid and had a profile like an account when I never made one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: ALLY FINANCIAL INC.
State: MS
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:
In accordance with the Fair Credit Reporting Act, these purported creditors have violated my rights. 
Under 15 USC 1681, section 602 my right to privacy is insured. Also, Under 15 USC 1681, Section 604A, subsection 2 it is also stated that a consumer reporting agency can not furnish an account without my written instructions. 
Under 15 USC 1666B, a creditor may NOT treat a payment on a credit card account under an open and consumer credit plan as late for any reason. 
I demand that these unauthorized recording be removed from my credit record immediately.

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 2023-12-05
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX & XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, are in violation of Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. Again they need prior written instruction of the individual to whom it relates. Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and Either way they have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09
Company: Albert Corporation
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I did not even know I have been paying for Genius subscription from XX/XX/2022 and every month they are charging {$12.00} as fee. Also not sure when did I subscribe for it. I contacted bank for the issue and they are refunding only this current month. I did not use any of the benefits from their service. Also no transactions in my account in last 14 months.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: EQUIFAX, INC.
State: NE
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation