BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
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:
Since XXXX XXXX, I have been disputing an erroneous charge on my USAA credit card for a faulty car rental charge. The car rental vendor, " XXXX XXXX XXXX '' is somewhat shady, and USAA has not supported my continual efforts to report and correct a duplicated charge to my credit card. The vendor charged my card in advance for a car reservation and then when I actually rented the car, I was charged again. Additional details explaining all of this are provided in the attached documentation which I have submitted to USAA on several occasions. On at least 2 occasions between XXXX and XXXX, 2022, the materials to substantiate my claim that I uploaded to the USAA website were not fully received. I would upload them, and then they somehow did not " stay '' in my account and were never reviewed ; rather I was determined to be non-responsive to the requests for additional information. In addition to the paper trail of documentation attached, I also called USAA on at least two occasions and initially sought to use the USAA online tools to report the dispute. A part of my challenge, I believe, is that USAA has been repeatedly updating the website and not fully capable of providing online tools that do not provide problems for its members. Overall, I also find that USAA is not as fully supportive of its members as it used to be, and prefers to side with the vendor even when member documentation re : a wrongful credit card charge is provided. I have personal, similar past experience to this current incident, but for charges of lesser amounts. I do not see that USAA ever goes back to the vendor to question their billing, and if they do, they do not share any information with the member to allow a meaningful resolution of the issue. These omissions of action and/or information are not proper credit card dispute resolution methods.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
XX/XX/XXXX at XXXXXXXX XXXX, I received a chase fraud alert informing me that a total of {$410.00} was declined at a XXXX grocery & if it was me who tried this transaction. I checked to see if my card was possibly stolen, but my card was in my possession & not taken, I responded to the Chase Fraud alert with, NO. A chase specialist called me & we discussed the matter & she right away canceled my card & put in the request to mail me a new card. All my funds in my account were there & valid, but when I got home I had double checked to make sure if there was any possible unrecognizable charges made & that is when I came to my account & my account was down to {$98.00}. Someone had made a withdrawal of two transactions, one of {$3000.00} and the other of {$1000.00}. I right away called my bank & made a claim because this was not me. My account information was stolen & possibly my pin. The bank then informed me that I would be receiving temporary credit funds back in my account within 12 hours. I never received those funds & I called again for an update. The chase specialist I spoke to let me know that I should receive funds within a couple days & that it has been approved I just have to wait until the XXXX of XXXX. A week went by & I still have not received my funds & I called the claims department once again & that person told me that the post date for me to receive funds is XX/XX/XXXX. A couple days later after I made that call which is today, the claims department of Chase informed me that my claim was denied because whoever access my account & withdrew money out of it would only be able to do so because they got a hold of my pin number. The bank is unable to & will not help me, someone stole {$4000.00} out of my account & I can not get it back because the bank feels as if my situation is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Transunion reported error on my credit report stating I'm in a XXXX  XXXX am I'm not i reached out and they wouldn't change it on my credit report now it show derogatory

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 I sent a dispute letter to XXXX and Experian to remove an item off my credit report. Me and the collection company XXXX XXXX XXXX agreed on a settlement. On the behalf of XXXX I sent XXXX and Experian a receipt showing payment made and agreement of the settlement. XXXX sent me a letter back stating verified as accurate and updated Experian the item was updated. I called XXXX, I couldnt get any help from them. I got transferred from one department to another.

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 2022-10-08
Company: EQUIFAX, INC.
State: WI
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 30 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 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 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 Equifax XXXX breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
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: Their investigation did not fix an error on your report

Complaint:
Ive written Equifax, XXXX, and XXXX about settlements I completed with proof and they still report the account. I wrote letters the entire XXXX. 

Collections have been added to my files when the agencies have not reached out to me or the medical bills are apart of a litigation. I submit disputes. No response or change to report has happened. It has been XXXX months since the medical bills have been added and were not my obligation XXXX of XXXX a collection was added to my accounts that I had no knowledge of. 

They continue to report negative items without verification. The agencies continue to report items that were settled and taken care. No matter how many disputes I submit. 

I paid my credit card down in XXXX and for over a month the credit agencies reported a wrong balance. 

I sent letter in XXXX clarifying my current address and name and information I wanted to be on the report and information that is outdated removed. Nothing has changed. 

My fair trade credit reporting rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
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 fraud alerts or security freezes

Complaint:
REMOVE FRAUD ALERT

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 2020-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
My name is XXXX XXXX and Ive had a Walmart  account in good standing, and never MISSED a payment since XXXX. I am a XXXX XXXX XXXX, which is why I set up electronic notifications and automatic payments 5 years ago. 

I received an electronic notification from XXXX XXXX indicating a change on my credit profile. When I checked it, I saw that Capital One reported a missing payment to the credit bureau for XX/XX/XXXX. Upon further inquiry, it seems that Capital One bought Walmart from XXXX XXXX and my previous set up of Electronic Notifications and Automatic Recurring Payments with XXXX XXXX were not honored after the transfer. 

I immediately called Capital One, spoke to someone whom was very apologetic, and he gave me your contact information to forward my concerns. It took me seconds to rectify the error of the missed payment, that never should have occurred. 

Im hoping that you will remove the derogatory missed payment that was reported to XXXX & XXXX in good faith of my exemplary record with Walmart for 4 years & 4 months. I thank you in advance for your time and consideration in this matter. I look forward to continuing to do good business with Capital One/Walmart moving forward. 

*Today on XX/XX/XXXX, I spoke with a Capital One customer relations operator XXXX XXXX # XXXX, who apologized and told me unfortunately I am not the only customer this has happened to during this transition, indicated his " hands were tied, '' and transferred me to the 2nd Tier Customer Relations Supervisor, XXXX # XXXX, who informed me that Capital One will not change their reported information to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Financial Business and Consumer Solutions.
State: PR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Since XX/XX/2023 I have been receiving calls from XXXX, today I decided to answer and they informed me that they were calling from FBSC Collection company and I have a credit card debt of {$21000.00} that ends in XXXX. I do not recognize that debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Experian Information Solutions Inc.
State: MI
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 the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account 1 : Dept of EducationXXXX # XXXX, Account 2 : Dept of EducationXXXX XXXX XXXX, Account 3 : Dept of EducationXXXX XXXX # XXXX, Account 4 : Dept of EducationXXXX # XXXX , Account 5 : Dept of EducationXXXX # XXXX, Account 6 : US Dept of EdXXXX # XXXX, Account 7 : State of MI Office Chi # XXXX, Account 8 : State of MI Office Chi # XXXX, Account 9 : Congress Collection # XXXX, Account 10 : Congress Collection # XXXX 15 USC 1681 Section 602 ( A ) States I have a right to Privacy.

15 USC 1681 Section 604 ( A ) ( 2 ) States a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681 Section ( C ) ( a ) ( 5 ) States No consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information other than records of probation 's or crimes which anti-dates the report by more than 7 years.

15 USC 1681 ( S ) 2 ( a ) 1 A person may not furnish any information related to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-03-01
Company: EQUIFAX, 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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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: Information belongs to someone else

Complaint:
I Am a natural man and consumer. I was impacted by the so called 2017 XXXX data breach. I am spending incalculable hours and energy trying to keep up with the fraudulent accounts and inquiries appearing on my personal consumer credit report. This is the third cycle ( 30 day increment ) that I'm sending out disputes to XXXX, Trans Union, and XXXX. Trans Union has sent me stall letters and postcards after each of my disputes stating that they applaud my decision to take control of my credit, but they continue to completely and willfully violate the FCRA by stating that my letters, which have my identifying information, doesn't appear to come from me. First of all, the FCRA does not stipulate that a consumer must notify any credit reporting agency that they are working with the assistance of someone else. Secondly, Trans Union is a multi billion dollar corporation that does not know me personally, so how can they possibly determine what my mail seems like? XXXX continues to send me form postcards that are essentially stall letters as well, stating that my proof of address is insufficient, thereby denying me my right to challenge or dispute any information that is inaccurate erroneous or incomplete, and therefore access to my consumer report. The law states that upon receipt of dispute, a CRA must initiate a " reinvestigation '' of the disputed information, and complete it within 30 days. I am now approaching 70 days with no progress. I've submitted proof of my being a longtime victim of identity theft and the law states that ANY ITEMS THAT ARE REPORTED TO BEE THE RESULT OF IDENTITY THEFT MUST BE BLOCKED WITHIN 4 BUSINESS DAYS. FCRA 605B ( 15 USC 1681c-2. XXXX and XXXX continue to report a fraudulent account from XXXX and company called XXXX ( XXXX XXXX ). I've contacted XXXX  and they said they'd forward it to the fraud department, but all that's happened is they verified the accuracy of the information to the credit reporting agencies.

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 2023-04-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2023-04-22
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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached an FTC report with 4 fraudulent account and fraudulent inquiries

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
During the Covid 19 pandemic I got into the forbearance plan. Once the plan was over I was told that I do not qualify for any mortgage assistance after and the lump sum has to be paid or else I need to go into foreclosure or sell my property. How can a lender help during the pandemic and once the forbearance is over have you lose your house? I need help or options to help me save my house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: Navient Solutions, LLC.
State: FL
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:
Since before XXXX of 2019, there has been a company called " Pioneer '' that has been harassing myself XXXX, and my son XXXX. They claim to have a partial loan of {$24000.00} in their ownership, and keep harassing me to apply for a payment plan. I'm already paying this same exact loan through the U.S. Department of education. Through the U.SXXXX Department of Education, I've already paid over {$10000.00} through garnished wages and garnished income tax refunds taken from my son and myself. My son went to XXXX XXXX XXXX from XXXX XXXX for 9 months, after that he joined the XXXX XXXX XXXX ... Where the military paid for his studies from that time and on. My son is a XXXX XXXX XXXX veteran, why on earth am I being charged over $ XXXX for 9 months of schooling by two separate companies? I've pleaded with Pioneer, asking them to send me a promisary note stating the agreement " I signed '', through mail as evidence ... But they refuse to send it to me, because clearly it's a fraud and I never signed an agreement to make payments through this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 have reached out to Transunion to have several hard inquiries removed, however, after several conversations with the company they have refused to remove the inquires even with the necessary documents. The company has confirmed the documents have been received however still have not removed the hard inquires per my request. I would like the inquiries removed 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 2019-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was affected by hurricane Michael and accepted a disaster forbearance from Bank of America with the understanding that at the end they would bring the loan current by placing the payments in the loan as they did for Hurricane Irma which was a FEMA declared disaster. 

At the end of the forbearance they did not do it putting me behind. I and my wife are XXXX us XXXX veterans who served in XXXX. We were forced to submit a loss mitigation package and have done that but Bank of America has not processed that and we are headed to foreclosure.

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 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I would like you to remove all the inaccurate and misleading information from my credit report. These inaccurate details have adversely affected my credit worthiness and hampered my chances of acquiring new credit.

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 2022-04-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX : acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX : acct # XXXX XXXX XXXX  : acct # XXXX XXXX XXXX  XXXX : acct # XXXX XXXX XXXX XXXX  : acct # XXXX XXXX XXXX XXXX : acct # XXXX XXXX XXXX XXXX  : acct # XXXX XXXX XXXXXXXX XXXXF : acct # XXXX XXXX XXXX  XXXX : acct # XXXX XXXX XXXX : acct # XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX : acct # XXXX XXXX XXXX XXXX XXXXXXXX : acct # XXXX 15 USC 1681 a ( 2 ) - consumer reporting agency may furnish a consumer report under circumstances in accordance with written instructions of the consumer to whom it relates.

15 USC 1681 section 602 A- states I have the right to privacy.

15 USC 1681I- Reinvestigation is required

Company response to consumer: Closed with explanation