BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On or about XX/XX/2021 my wife and I separated. I was rendered XXXX and jobless and destitute by her actions. USAA Bank contacted me regarding the separation and the separation of our finances and other services. XXXX of XXXX my wife files for divorce. XXXX of XXXX my estranged wife intercepts my mail, withholds it from me, opens it and steals the IRS tax credit check of {$500.00} issued solely to me and mailed solely to me. I notify the bank when I receive notification of a deposit. My estranged wife had maintained an account with {$0.00} in it in both our names. I had tried to remove my name and or close it the previous may but was refused as she was the primary.My estranged wife had stolen my check, signed her name to it, and deposited it in the account via mobile deposit then immediately transferred it to a different account solely in her name. The bank essentially shrugged its shoulders and said there was nothing they could do.but i told them to remove my name on the account and do not cash or deposit anymore checks in my name on the account. My estranged wife repeated the crime again in XXXX, XXXX and XXXX despite my repeatedly notifying them that the checks were stolen and fraudulently deposited without my signature or permission.all told a total of {$2200.00} was stolen from me by my estranged wife despite my warning the bank and reporting it to the XXXX XXXX police department. I was told today that the bank will not be considering it to be fraud of any type and I don't have any recourse through them. My estranged step son works for the bank and I have absolute proof of the crimes. Yet they will do nothing to the criminal nor make me whole for the crime they were complicit in. This is wholly unacceptable as numerous laws as well as their own account rules and regulations were broken by my estranged wife 4 times. 3 times after I had given advanced warning it was occurring

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent this Resurgent Capital Services c/o LVNV Funding , LLC XXXX letters asking to verify this debt. They sent back a statement which does not validate the account. I requested 'I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount for the above XXXX accounts. 

Also they updated credit report with comments saying I disputed this account when I have only ask them to Validate the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27
Company: Nicholas Financial Inc.
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX, I had a car loan on a XXXX through Nicholas Financial. They increased my payments by at least a {$100.00} more a month. I had many discussions with the company and was told that if I let them take the vehicle back, all further debt would be erased considering they could sell the vehicle for more than what was owed. The entire time I had that vehicle, there was nothing but issues with it. I had to replace brakes, tires, the fuel pump, rust spots, and much more than I can hardly remember. Now, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, is claiming that I never made a court hearing in XXXX XXXX XXXX XXXX back in XXXX ( I was living in PA and had never received any mail, emails, phone calls, etc. about a court hearing. This money that they claim I owe, isn't even on my credit report. And now XXXX XXXX XXXX is coming after me for it again with 17.950 % interest tacked on. I do not owe this money and I am appalled that this is something I'm dealing with nearly a decade later!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Volvo Car Financial Services U.S., LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
My lease payment auto-pay sent, by my mistake, an extra payment in XX/XX/2022 to Volvo Car Financial Services ( VCFS ). When I realized the error, I immediately called VCFS and the representative confirmed there had been 37 payments made ( 36 valid lease payments and XXXX mistaken extra ). My issue is that it has been over a week since that was acknowledged. I still don't have my money back. They claim they'd like to deduct end of lease fees from that amount. This is unacceptable. I will pay any legitimate fees as may be necessary. The potential for future charges does not justify VCFS holding money not belonging to them for an extended period of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: Kriya Capital, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This Company Credence Resource Manage Wrongfully Reported this account XX/XX/2023 without Notifying Me of This Debt This Company is unlawfully reporting a Debt That they never notified me about I am heartbroken that this Company is Furnishing inaccurate and incorrect information!!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-06
Company: Santander Consumer USA Holdings Inc.
State: AL
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:
On XX/XX/20 I checked my personal credit report and noticed multiple inquiries to the following companies. That I did not authorize to. The companies are listed below. 

XXXX XXXX XXXX XXXX  Chrysler Capital XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these companies and this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: Netspend Corporation
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I purchased a prepaid card a netspend card at the XXXX XXXX XXXX and when I got home it was not in the bag I have call each company many times I have the receipt is there any way you could help

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 2023-06-17
Company: Complete Credit Solutions, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Someone stole my identity for years and been using me name and i want my name cleared up due to a bad divorce ex husband may have parts in it as well. not sure whats going on but this a fraud case and i would like this off my report due to fraud.My identity was stolen.

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 2023-01-27
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid 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:
Truist Bank continues to let the XXXX XXXX XXXXXXXX bill my Truist credit card despite my repeated communications to both organizations that the charges are not authorized. 

In XX/XX/2022, I noticed that the XXXX XXXX had been charging monthly charges ( $ ) to my Truist credit card. Neither I, nor anyone in my family has any recollection of setting up the subscription. That month, I contacted the XXXX XXXXXXXX which didn't have any record of an account associated with any of our family email address. They could not find my account based on the Truist credit card details. They said they could not do anything about ceasing the charges. 

I have contacted Truist multiple times about refusing these charges. Truist most recently said they can not decline the charges from XXXX XXXX XXXXXXXX because .... 

" Our investigation revealed that the transaction ( s ) are valid. Your case is being denied based on the following : Evidence shows this purchase was a recurring transaction and we have received no evidence that shows this authorization was cancelled. '' So Truist 's de facto position is that I must pay these charges in perpetuity unless I cancel my credit card.

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 2023-03-30
Company: SANTANDER HOLDINGS USA, 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: Account status incorrect

Complaint:
Santander consumer usa has report me incorrectly on my credit 10 times. They ware incorrectly reporting me late can you help me remove this if my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
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:
In Accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX. Account # XXXX XXXX ACCOUNT # XXXX XXXX. ACCOUNT # XXXX XXXX. Account # XXXX XXXX  XXXX. Account # XXXX XXXX XXXX. Has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-10-28
Company: CCS Financial Services, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear Consumer Financial Protection Bureau ( CFPB ) Team, I hope this message finds you well. I am writing to bring to your attention a distressing matter involving identity theft that has significantly affected my financial situation. Upon reviewing my credit report, I uncovered an unauthorized account opened in my name with Credit Collection Service. It is crucial to clarify that I have never initiated or authorized any account with this entity. 

The presence of this fraudulent account has resulted in substantial damage to my credit report and, consequently, my overall financial well-being. I am deeply concerned about the adverse impact this might have on my financial health and credibility. I am certain that this unauthorized account is a direct consequence of identity theft, and I am taking immediate steps to rectify this situation. 

I have already taken initial actions by contacting Credit Collection Service to dispute the account and have filed a report with local authorities to report the identity theft incident. However, despite these measures, the impact on my credit report persists. As a result, I am reaching out to request your assistance in resolving this issue. 

I kindly request your support in investigating and swiftly removing this fraudulent account from my credit report. Your intervention and guidance in this matter would be immensely appreciated to ensure the restoration of accuracy to my credit history. 

Attached to this email, you will find all relevant details regarding the fraudulent account for your reference. If further information is necessary from my end to facilitate the resolution of this matter, please do not hesitate to contact me. 

I am fully committed to cooperating with your team to expedite the resolution of this issue. Thank you for your attention to this pressing matter. I eagerly await your guidance and support. 

Sincerely,

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: Rent Recovery Solutions
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Rent Recovery are still reporting on my credit that I owe them a balance and trying to collect on this debt. This debt was discharged in my chapter XXXX bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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 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 2023-05-23
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
The company placed me in a financial wellness program in XXXX of XXXX, effectively bringing the loan current. All payments from XXXX of XXXX thru XXXX of XXXX were made on time. I use a third party bill payment service with electronic receipts to prove all of the payments were in fact made on time. I have electronic receipts from my bill payment service in addition to my bank statements which relect all of the payments from XX/XX/XXXX -- > forward were in fact made on time. 

After noticing a sudden XXXX point drop in my XXXX score ( I was alerted through the service ) I immediately pulled up my credit report and saw it was attributable to a 30 day late mark randomly posted in XXXX of XXXX. This 30 day late mark was posted well ahead of when the XX/XX/XXXX payment was even due. This is random not accurate reporting to the credit reporting agencies. I called XXXX and spent over an hour on the phone with a customer service representative providing confirmation numbers for each payment, and I was assured an investigation would take place and the 30 day late mark for XXXX of XXXX would be removed because the payment was no where near due. This never happened.

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 2021-07-24
Company: The Outsource Group, Inc
State: VA
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:
On XX/XX/2021, Medicredit added a derogatory mark on my credit report per XXXX, Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, Medicredit has violated my rights as a consumer and I'm requesting legal action to remove the account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I received an email from " The Children 's Place '' that they had shipped my order. I never placed an order with them but they had my email address, mailing address and credit card in my name but were shipping the order to another address. I used my email address to request a password change and found a charges on a credit card from this store in my name. I told them I never requested a credit card and that I never placed the orders. Their email response was that once an order is confirmed it can not be cancelled, updated or changed.. They have yet to get back to me by phone. There were several orders XXXX of XXXX items had shipped. The order totaled {$140.00} and was paid with XXXX XXXX XXXX Credit Card ending in XXXX. The Children 's Place, XXXX XXXX XXXX XXXX, NY XXXX phone XXXX. XXXX XXXX is XXXX and XXXX XXXX is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27
Company: Experian Information Solutions 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: 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 this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The Listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$0.00}

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 2018-05-08
Company: The Outsource Group, Inc
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from XXXX re : XXXX XXXX who is an adult. I called them and told them that I was not responsible for this debt. They opened a dispute with the medical center, more than 60 days again and it has not been resolved. ( XXXXXXXX Medical Center ). In addition, they have continued to try to collect the debt from me. I have advised them again today that it is not my debt and they have not provided proof or resolved my complaint and should not be sending me any correspondence about this debt. In addition, they are violating HIPAA as they have disclosed a date of service and location of services of an adult patient.

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: Experian Information Solutions 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: Personal information incorrect

Complaint:
See document attached

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 2023-10-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
XX/XX/2023 -- I called USAA to ask how to pay off my personal loan in full as I have the funds to do so. I also have a car loan with them. On the phone the representative said she could do the pay off. I clearly stated personal loan in my first words to her. Next thing I knew was that she was repeating the car payoff amount as she had initiated that payoff which was for more money. I was furious and she stated that both the amounts were listed together. They transferred me to an escalation person who offered options that involved a lot of cancel this and wait for that. 

I told them to let it go through and I paid off my car when I did not expect or ask to do that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation