BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing a complaint due to unresolved inaccuracies in my credit report related to two accounts with USAA Federal Savings Bank, as reported to XXXX. The reports contain incorrect information and do not comply with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX standards. 

Request for Review : I have requested USAA to review their data to ensure accuracy according to FCRA and XXXX XXXX compliance standards, including the permissible purpose and accurate sourcing of any inquiries within my credit profile.

Challenged Accounts : The accounts being challenged are listed as USAA FEDERAL SAVINGS XXXX ( XXXX ) - ( XXXX ) XXXX and XXXX. 
Specific Discrepancies : Key concerns include incorrect payment status reported as 'CollectionOrChargeOff, ' discrepancies in 'Date Opened, ' and 'Account Status ' reported as closed. These inaccuracies deviate from the required XXXX XXXX reporting standards. 
Demand for Compliance and Accuracy : I have demanded documented proof of compliance with reporting standards and consumer protection laws. The data provided is incomplete, inaccurate, not up-to-date, and lacks evidence of compliance. 
Issues with Dispute Status : The dispute status expressed as 'N ' is challenged for its accuracy and compliance with regulatory mandates for credit reporting. 
Call for Immediate Action : If USAA Federal Savings Bank fails to provide evidence of compliance and does not correct these inaccuracies, I have stated my intention to pursue legal action. 
I am seeking the CFPBs assistance to ensure the correction of these errors on my credit report by USAA Federal Savings Bank and to uphold the standards set by the FCRA and XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I am writing to formally dispute inaccurate information on my credit report, which I reported to TransUnion on XXXX Despite the time that has passed since my initial contact, I have not received any response from TransUnion regarding the concerns I raised. Below, I have outlined the inaccuracies that require immediate attention and correction : Account Information : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$340000.00} Issue : The account has never been overdue. I request that TransUnion correct this inaccurate information on my credit report. 
Account Information : Creditor : XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX Balance : {$1700.00} Issue : The account has never been overdue. I request that TransUnion rectify this inaccurate information on my credit report. 
Account Information : Creditor : XXXX XXXX  ( Account # : XXXX ) Date Opened : XX/XX/XXXX Balance : {$6200.00} Issue : The account has never been overdue. I request that TransUnion correct this inaccurate information on my credit report. 
Account Information : Creditor : XXXXXXXX XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX Balance : {$55000.00} Issue : The account has never been overdue. I request that TransUnion rectify this inaccurate information on my credit report. 
Account Information : Creditor : XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX High Credit : {$5000.00} Issue : I request the removal of the late payment entry for this account. 
Account Information : Creditor : XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX High Credit : {$2500.00} Issue : The account has never been overdue. I req

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 2023-11-03
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was targeted by a fraudulent merchant that misrepresented himself as a person in need of help. They said they were collecting money to help their sick kid. I agreed to give them {$20.00}. They said they could do this over credit card because they had a XXXX terminal. I tapped my card to the XXXX terminal. The fraudster sprinted away after I did this. It turns out they charged my card for {$500.00}. 

Chase claims that they talked to the " merchant '' ( who is not a merchant and a fraudster ) and the merchant provided proof that their charge was accurate. Obviously the merchant is able to provide " proof '' because they fraudulently charged me {$500.00} and escaped. They have an " invoice '' for {$500.00} that I did not consent to. 

Chase is requesting that I am supposed to give them documentation that I did not consent to the {$500.00} charge. This is impossible because the fraudster made me tap my card to a different number than what I had consented to. The only receipt/invoice that exists is the {$500.00}, which I don't even have, and I have not consented to. 

Chase should be able to figure out that this merchant/fraudster is not trustworthy and reverse the transaction. They are choosing the believe him over a long-standing customer who has absolutely no chance of proving his claim.

Company response to consumer: In progress
Consumer complaint received 2023-11-04
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I was told that the gift card itself was blocking my purchase requests. 
This is an AMEX Gift Virtual Card. I have verified that the card IS active and has a balance of {$530.00} However, there are no merchants that will accept payment from this gift card. I have tried it for online purchases at XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and a number of other vendors. All have declined the payment. 
Amex Customer service has told me that the card is blocking my attempts to purchase anything. This virtual card can only be used online per AMEX so brick and mortar store purchases are out. 
So at this moment I am out {$530.00} that AMEX refuses to repay or provide me with an online location that will accept the card for payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-04
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My wallet was stolen in XXXX XXXX Texas, 10 years ago, and accounts was opened in my name. I have no knowledge of these accounts. And is still on my report after 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My address has not changed in the last 13 years. It is still XXXX XXXX XXXX XXXX XXXX, CA XXXX But they can't seem to get this right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Discrepancy in Credit Report - Request for Resolution Dear CFPB I am writing to dispute an erroneous entry on my credit report that is negatively impacting my credit score. The inaccurate information in question is related to debt on my account, and is associated with RESURGENT/LVNV FUNDING. 

Account # : XXXX Bal {$700.00} Date : XX/XX/XXXX Account # : XXXX Bal {$1700.00} Date : XX/XX/XXXX I have thoroughly reviewed my credit report, and I can confirm that this item is not mine. I have never had any financial dealings or accounts with RESURGENT/LVNV FUNDING, and I have consistently maintained a responsible financial history. The appearance of this item on my credit report has caused considerable distress and potential harm to my creditworthiness. 

I have attached a copy of my credit report highlighting the inaccurate entry for your reference. I kindly request that you investigate this matter promptly and take the necessary steps to correct my credit report to reflect the accurate information. This includes removing the erroneous item and updating my credit history accordingly. 

I understand that the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to conduct a reasonable investigation within 30 days of receiving a dispute. I also request that you notify me in writing of the results of your investigation once it is completed. 

Please be advised that this discrepancy is negatively impacting my ability to secure credit, loans, and financial opportunities, and I trust that you will handle this matter with the utmost urgency and diligence. 

Thank you for your prompt attention to this matter. I can be reached at. should you require any further information or clarification. I look forward to a swift resolution of this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Ph : XXXX SS # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: SUNRISE CREDIT SERVICES, INC
State: TN
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do not know what XXXX XXXX is. their is no activity on payment details on XXXX or XXXX. On XXXX  it onlu says that its in collections/charged off. XXXX is reporting as open but XXXX is reporting as closed. XXXX XXXX XXXX states that the accounts were opened on XX/XX/XXXX. XXXX has the last account activity on XX/XX/XXXX but XXXX has it as XX/XX/XXXX. how is that possible if they claim it was opened on XX/XX/XXXX. I KNOW this is fraudlent. I am in no way assciated with XXXX XXXX this is fraudlent and must be removed. Again this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove 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 2023-11-04
Company: Experian Information Solutions Inc.
State: VA
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:
15 U.S. Code $ 1681c-2 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

Inquiry details 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 non-monetary relief
Consumer complaint received 2018-12-26
Company: EQUIFAX, 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:
The following account you are publishing about me is inaccurate and incomplete : XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$550.00} XXXX XXXX XX/XX/2018 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX   XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX  XX/XX/2018 XXXX  XX/XX/2018 I have contacted Equifax more than once regarding this same issue and they do reply on here that they are working on it but never fully finish. I have sent in identity theft package and requirements. They have failed to comply with federal law regulations. 

I need this removed as soon as possible because reporting and publishing inaccurate and incomplete information in your consumer reports allegedly concerning me. Your conduct has caused me a lot of distress and financially harmed me with out of pocket costs and loss opportunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To who it may concern, I am writing to dispute incorrect late payment information from XXXX XXXX XXXX that is showing on my credit report. Specifically, my account status is listed as current, yet the payment history shows a payment that is 30-59 days late. This contradicts the account status and is negatively impacting my credit score. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to conduct a reasonable investigation when consumers dispute information on their reports. I am requesting that you immediately investigate this inaccurate late payment posting and delete it from my credit report. 

This erroneous information is damaging my ability to obtain credit and financing. Despite my account with XXXX XXXX XXXX being current, the incorrect late payment history you are reporting has lowered my credit score significantly. I have suffered financial distress due to decreased credit opportunities as a result of this inaccurate information. 

To summarize, I am disputing the 30-59 day late payment you have on file from XXXX XXXXXXXX XXXX  and demanding that you remove this incorrect payment status immediately. Please conduct your investigation and rectify this issue as soon as possible in accordance with FCRA guidelines so that my credit report properly reflects the true status of my account. 

Please let me know when you have completed investigating and resolved this inaccurate information on my credit file. I appreciate your time and cooperation in ensuring the responsible reporting of my credit history. Yo Enclosures : [ ITEM SHOWING CURRENT PAYMENT STATUS YET COMMENT 30-59 DAYS LATE ]

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 2023-11-04
Company: Firstsource Business Process Services, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a XXXX credit card that I payed off the balance and closed in 2021. The company First source insists that I owe {$210.00} that I need to pay. XXXX  can not " find '' my account because it's closed. Yet I am still getting emails and calls from First source insisting I pay the money " owed '' though they can not tell me what the money is for ( other than that it was owed to XXXX and they now own that debt ). Attempts at clearing this up with both companies ( XXXX and First source ) have not accomplished anything. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Venmo has repeatedly denied me an account for fraud. I have no idea why but I have given up on them ; however they still show me as having an account ( albeit frozen because of the fraud - that they can not explain to me ).

I want this closed. 
I dont want to receive quarterly statements and I dont want my name in their system.

It shows as an option for people to pay me.

Which is not an option.

Each time I try to reach them/ submit a complaint online via their portal, I only get an automated email and nothing else!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: Financial Recovery Services, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
After XX/XX/2023, I was repeatedly called by Financial Recovery Service , Inc., and requested a cerified copy of the the actual debt. However, they have denied that request. They have sent what looks like a bill a few times. Last time they called was XXXX XXXX XXXX. They claim I owe {$750.00}. I have not called them back, I have visited their website, to see if it was real, as well as XXXX search on it. I am going to see about posting their number to a few websites so that their phone number becomes unavailable, anymore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: VA
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'm composing this complaint to EQUIFAX Department. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: Incomm Holdings Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
We received a XXXX  Vanilla Visa Prepaid debit card for our wedding on XX/XX/2022. One week later, on XX/XX/2022, the full XXXX had been emptied at a XXXX XXXX. We just noticed today that the card was empty, as it has been sitting in a drawer since our wedding and we have not made any purchases with it. Customer service at Vanilla was not helpful. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: IL
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:
Refer to the attached documents. I request the bureau to initiate an investigation into these accounts, which I am never late for, but they are erroneously reported as late.

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 2023-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with a trade-in

Complaint:
On XX/XX/XXXXXXXX XXXX XXXX  I single mom and my XXXX XXXX XXXX daughter entered XXXX XXXX XXXX XXXX of XXXX located at XXXX XXXX XXXX XXXX XXXX, IL XXXX I worked with the manage XXXX. The conversation between XXXX the manager and I was understood that if I came into the dealership he would allow me to test drive some vehicles. I enter the dealership in my XXXX XXXX. I test drove the XXXX XXXX XXXX and like it. He had me fill out a credit application and I did with the belief and hopes that he would either get me a fair trade. The XXXX XXXX was listed at XXXX. He change the price and sent my information to several creditors carelessly and lied about my the amount he paid me for my XXXX XXXX. He tried to explain to me i had negative equity in my XXXX XXXX XXXX, but he reported to the creditors my car was worth only the amount I owed. He admitted to lying to the creditors about the trade in value of my XXXX XXXX XXXX so he could make a profit. He changed the price of the XXXX XXXX from what was advertised. He charged me XXXX more than the worth XXXX the XXXX XXXX. I explained to him I was very uncomfortable, yet he not only continued to pressure me to trade in my vehicle, he invited another salesman over and used fraudulent sale tactics to get me to sign. By this time my daughter is crying and both XXXX and the sales manage were making my environment hostile. Because I felt like a hostage and the salesman and dealership manage would not let my daughter and I leave gracefully. I signed the papers and went home. I realized I never received copies of my signed documents. I felt even more immediate uneasiness. I headed back to the dealership at XXXXXXXX XXXX XXXX XXXX XXXX. I asked to return the vehicle because of the fraud of the trade in. I was with my XXXX XXXX XXXX daughter. The manage XXXX explained the only way he would trade me back my XXXX XXXX and take back the XXXX XXXX XXXX was if I paid him {$5000.00}. He explained that is how much money it costed him the night before to change over my title and license plates. I told him I didn't have {$5000.00}. He said he could not help me and if I needed additional information I needed to wait for the creditors to send me a bill and to talk to the creditors. I ask for the cooperate office contact information and he refused to give me a cooperate member to contact.

Company response to consumer: In progress