BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
I believe I am owed this amount because of the following facts and circumstances : After reviewing my credit report, I am writing to dispute the following inaccurate information, all of which result from FRAUD CHARGES ON MY USAA CREDIT CARD XXXX and is not information relating to any transaction I made. Please investigate each account listed below as the charges are fraudulent and were made without my consent. 
I was bullied by all your staff at USAA bank to pay the fraud charges of {$1800.00} DUE TO YOU RUINED MY CREDIT. I am a XXXX XXXX XXXX XXXX veteran living on XXXX XXXX. Why would I ruin 40 years of XXXX credit score? After contacting the local police agencies and the FBI I should have not paid the fraud charges until it was fully investigated by USAA fraud department and a letter was sent to me clearly denying my claim. I have consumer rights by law to file an Affidavit of complaint. I also contacted a local law firm here in XXXX XXXX that are experts in this matter and they clearly stated to me I should have never paid the fraud amount until a professional investigation by USAA was done. I was told that this is the first step I must do to fix this matter. 
I have asked over and over to do a complete investigation and check the atm cameras and I can prove I was not in the same state that the fraud occurred. ( No investigation was ever done by USAA Fraud Department ) I was never allowed to speak to someone in the fraud department. 
I was never notified in writing that USAA Savings bank denied my fraud charge claim and I was responsible for all the charges on my account. 
I would like to see prove that I received those notices in writing. 

This whole matter has brought me to an incredibly sad mental state and have had counseling over losing my house due to now I cant refinance my house with bad credit. 

( Police reports Filed ) XXXX XXXX XXXX Police XXXX / FBI XXXX XXXX XXXX ACCOUNT NAME - ACCOUNT # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have sent letters in XXXX-XXXX  asking all credit bureaus to update my name and address and they have yet to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: TX
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 already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX Account Number : XXXX please update all payment, all payment was made on time XXXX XXXX XXXX FALSE OR MISLEADING XXXX XXXX XXXX Account Number XXXX XXXX Delete this account. 

XXXX XXXX XXXX FALSE OR MISLEADING XXXXXXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The following personal information is incorrect Account Number : ALSO KNOWN AS : 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 explanation
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 is in my report and it is incorrect I want it removed 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 explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$4400.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/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 2023-03-06
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:
I sent the credit reporting agencies a letter on XX/XX/22 and they were required to enter a notice of dispute within 30 days of receipt to my accounts so that my creditors and anyone else pulling credit report will know that these items are being disputed by me, but they failed to do so. Section 623 stipulates that if this notice of dispute is not entered within this given timeframe, all disputed accounts must be deleted from my credit report for violation. I am including a list of my disputed items that do not report this requirement. I will attach the letter that was sent which is dated and time stamped along with the credit report showing that the credit bureaus failed to enter a notice of dispute. I can take this to court for legal action, but at this time I am only asking for the removal of the inaccurate late payments. Please remove the following late payments from these accounts immediately : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected. Please comply with my request as soon as possible. Thank you. 
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 2023-04-28
Company: Tenant Data Services Inc
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
on XX/XX/XXXX Tenant Data Services did a background screening report on myself as I was applying for a rental home. On this report It pulled an Eviction judgement that keeps appearing on my report that should not be showing at all. The file date of this judgement is XX/XX/XXXX The name is XXXX XXXX. Filed XXXX XXXX bankruptcy and this was included in this bankruptcy at this time and should not be appearing on my background report as all debts were cleared on this debtor. I have disputed with the agencies each time a tenant report is ran and they clear the report each time but when it is run again this eviction keeps then appearing back on the report. I have the reports showing they cleared the item after investigation but want the item permanently removed from my report so when the tenant report is pulled initially it comes back clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: AES/PHEAA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I believe am fully eligible for PSLF, I have been with the same XXXX employer since XX/XX/XXXX and the program started XX/XX/XXXX AND I have been on income based repayment plans all this time too. I completed my application for PSLF in XX/XX/XXXX and I received a letter dated XX/XX/XXXX that states I am not fully eligible for discharge yet, and it is estimated that I will not be until XXXX. I am totally confused how I can be on income based repayment plans for the last 12 years and NOT be fully eligible for PSLF   yet. I am also confused on how two of my loans originated on the same date but have two different dates for estimated eligibility dates. PLEASE any suggestions or assistance you can provide will be greatly appreciated!!!! 

I also sent proof of name change and that has not been fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: EQUIFAX, INC.
State: CA
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:
I submitted a dispute to Equifax on XX/XX/2021 because multiple accounts should have aged out. Both XXXX and XXXX have acknowledged that and removed the items from my report. Yet, Equifax swears that the dates they have are accurate. If they were accurate, why would these accounts come off of the two other credit bureau reports? I don't trust that the report they sent me on XX/XX/2021 ( the dispute results ) and would like them to either remove the aged out accounts or provide better 'proof ' that they verified the dates. Or are they implying that they know better than both the other bureaus?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
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: Problem with personal statement of dispute

Complaint:
XX/XX/XXXX, I requested XXXX XXXX to remove or expunge from my credit report after dealing with a legitimate payment dispute that took over 2 years and 2 of your collection agencies to resolve. My account should have not been finalized in collection in that I paid my lease off in full, 13 months ahead of the term. This bad collection mark is not a fair representation of my credit worthiness but an error on the part of XXXX. In short, I did not get the final statement until 15 months after the lease was paid off, XX/XX/XXXX. This final statement started the dispute with the demand for the additional months payment plus the disposition charge. Shortly after the final bill, I started to get collection notices from 2 agencies, XXXX XXXX XXXX then XXXX. According to your records, as reported by the collection agencies, I was charged for an additional month indicating I kept the car a month after the lease expired which was clearly not the case. I provided the collection agency the lessee odometer disclosure statement that verified when the car was dropped off, which was XX/XX/XXXX ( 13 months early ), along with the final payoff check for {$6300.00} ( an amount provided by XXXX to finalize the lease ). It was finally determined, I only owed {$350.00} for the disposition charge, which I kept telling the collection agencies I was willing to pay. All of the back and forth took more than a year, which was clearly a waste of time and effort for only {$350.00} and a bad record on my credit history. I could have easily paid {$350.00}, at the same time I turned the car in, but was aware of it until I receive a statement more than a year later. But their insistence to get more money from me just prolonged the time of the dispute. Therefore, I am asking for your professional attention to review all communication and documentation over the 2 year disputed period to give me some favor to remove this bad mark off my credit report as soon as possible. It is the only blemish on my perfect credit payment history. 

Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: First Federal Credit Control, 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: Account status incorrect

Complaint:
This complaint is about incorrect information reported by First Federal Credit CTL on 2 medical bills. XX/XX/XXXX I agreed to their request to have a payment plan to pay my account balance in full. They collected a payment of {$50.00} then and another one on XX/XX/XXXX. Payments are automatically deducted by them. As of today they continue to report these accounts as delinquent and unpaid. 

**************************************************** Here is a copy of my receipt from them : FIRST FEDERAL CREDIT CTL XXXX XXXX XXXX XXXX XXXX. 
XXXX, OH XXXX United States TYPE : Purchase ACCT : Visa {$50.00} USD CARDHOLDER NAME : XXXX XXXX CARD NUMBER : # # # # # # # # # # # # XXXX XXXX : XXXX XX/XX/XXXX XXXX REFERENCE # : XXXX XXXX M AUTHOR. # : XXXX TRANS. REF. : XXXX Approved - Thank You 100 ***************************************** I have called and emailed the company twice and no corrections have been made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Google Compare Credit Cards Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
In XXXX I opened a Google Pay account. From my credit card I put {$30.00} into my Google pay account in that same year. In XXXX of XXXX I received an email stating there was a problem in my XXXX account. Today, XX/XX/XXXX, I had the time and followed a link in the email. In the link I was to provide more information, namely a photo image of my Government issued ID. I do not feel comfortable sending anyone, including XXXX, an image of my ID. I contacted customer service through their chat and informed them of this. They stated in so many words that I have to give them my ID otherwise the account will remain suspended. I informed them that I did not have to give ID to open the account. If I had to, then I would not have opened the account and that I want the return of my money in the account. They said it is their policy to not give " refunds '' and the money would remain in the account until I give them my ID and they reactivate the account. I told them I no longer want the account. They tell me I still need to give them ID so they can reactivate it. I asked numerous times for proof as to where it was written in their XXXX at the time of my opening the account that I would have to provide ID in the future. I got no answer to that or any other of my direct questions regarding what may, or most likely not, is written in their XXXX. I was told they could not give answers due to security. How is their providing me with anything supposedly written in their XXXX, a security risk? 
I did look in their XXXX  what they have written as of today and under " google pay '' it is written, " In certain cases, we may require such identifying information and that you activate a Google Pay Balance for you to continue using Google Pay. If you decline to provide such identifying information or we are unable to verify such information, we may decline your attempted transaction, suspend your access to Google Pay XXXX Service, or suspend your Google Pay or XXXX account. If we suspend your Google Pay or XXXX account, we will provide any held funds to you to the extent permitted by law. '' They did NOT give me any reason as to why at this time this is a " certain case '' all of a sudden. I have {$30.00} Google pay balance since XXXX. There is NO transaction involved. And in XXXX own words, " If we suspend your Google Pay or XXXX account, we will provide any held funds to you to the extent permitted by law ''. 
XXXX has suspended the account, BUT REFUSE to provide the return of any held funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Chase Credit Card Customer - Created application for credit limit increase on XX/XX/XXXX - Credit Limit Application was approved, moving from {$3000.00} to {$10000.00} - Credit Limit Increase was then revoked on XX/XX/XXXX due to a fraud alert error - I called Chase on XX/XX/XXXX to resolve the issue. While on the phone with a Chase analyst, the credit limit was increased again to {$10000.00} - Credit Limit was decreased again to {$3000.00} on XX/XX/XXXX due to a fraud alert error - I called Chase again on XX/XX/XXXX and XX/XX/XXXX and was informed that the XX/XX/XXXX increase was made in error by the Chase employed analyst. Chase offered no resolution to restore the credit limit to {$10000.00} and admitted it was due to their mistake. The original credit line increase application has since expired and they will no re-activate it. My only option to increase the limit now is to start over with a new application. 
- Countless hours on hold, multiple transfers, inaccurate information given to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I made two large payments to both of my closed accounts with TRUIST in XXXX and the statements closed with these payments being applied, but neither of these closed credit cards have reported the balance to my credit reports since XXXX, 2023. I have attached both statements showing the new balance it should have reported to my 3 bureaus already. This is affecting me from getting a HELOC

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