BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
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 have contacted XXXX XXXX XXXX, and USSA  about an entry they are reporting about me that is fraudulent, and was opened as an act of identity theft. USAA allowed for both a personal loan and a credit card to be opened in my name without my permission and fraudulently. I have tried to work directly with USSA many times and tell them that neither of these accounts were opened by me and have gone into great detail explaining to both USAA and XXXX XXXX where USSA reported the debt to that this was fraud. I have provided them a police report that outlined that I was a victim of identity theft and that many fraudulent accounts were opened in my name and correct social security, every since I was a victim of identity fraud. When I have spoken to both of these companies they have both refused to assist me and told me that did not care that I stated I was a victim of identity theft/fraud they would not remove their derogatory reporting of the

se two fraudulent accounts. My identity was stolen when my wallet was taken from me in XX/XX/XXXX when I was robbed. I have had about 17 charge cards, 2 auto loans, and 3 personal loans opened in my name due to this fraud/identity theft, and none of these fraudulent accounts should I be held accountable for. USAA told me in one of the calls that I had with them that the accounts they claimed were opened in my name were included in a bankruptcy, Well I have never filed a bankruptcy EVER, and either of these parties can check my XXXX File, My XX/XX/XXXX File, and My XX/XX/XXXX File and they will see there is no record of any bankruptcy that I filed. 

Both XXXX XXXX and USSA are acting in a willful manner of inflicting emotional distress upon me by continuing to report this fraudulent information. They are defaming my character by them continuing to disseminate information that has nothing to do with me except the fact they allowed fraudulent accounts be opened in my name and they are totally unwilling to act in accordance of the FCRA and rectify this matter. I am attaching a copy of my most recent credit report that will affirm that I was a victim of identity fraud/theft and am asking for the immediate removal of this fraudulent information..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My schedule a payment on XX/XX/XXXX. 
For the full balance. 
Of {$820.00}. The first and I spoke with on the retention team tried to keep me so he offered to take the late payment away. 
And reply my payment and I agreed to that. 
Now I am receiving collection letters and emails. 
Stating that I have a large amount do because the representative never reapplied the payment. 
At the very lease I would like to have the recorded calls listed to for further proof as to what has happend.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Experian Information Solutions Inc.
State: NJ
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:
see attached documents. I am a victim of identity fraud review FTC report

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 2023-02-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been unable to determine the Past Due Payment Amount on my Capital One Account. Capital One does not indicate anywhere on the statement ( Printed or Web Portal ) the amount of the Past Due Payment. In fact in the " Payment Information '' Section on the Statement, the only information provided is the Payment Due Date, New Balance, and the Minimum Payment Due. Capital One does not indicate anywhere in the " Payment Information '' Section that the account is past due or the Past Due Payment Amount. In fact, looking at the information printed in the " Payment Information '' Section, my account appears to be " CURRENT ''. To me this is practice by Capital One is " DECEPTIVE ''.

I have had many Credit Cards in my lifetime and all the Credit Card Companies I have worked with, always indicate the Past Due Payment Amount. If Capital One would have indicated this information in the Payment Section of the Statement, I would have at least made the past-due payment amount in order to keep my account from being Reported the Credit Reporting Agencies .

Because this common information was not provided in the Payment Section or anywhere on the Capital One Statement, I have been reported delinquent to the CRA by Capital One.

Because Capital One " FAILED '' to release this information, I have been injured as a " CONSUMER ''. In my line of work, I must keep my credit report in good standing in order to renew my Profession License each year. The FAILURE of Capital One places my lively hood in JEOPARDY!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: Acra Intermediate Holdings, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is my third complaint. I receive a letter from XXXX XXXX XXXX in the mail indicating that they have been retained by my mortgage servicer, Citadel Servicing Corp. The total amount due in the letter is incorrect. ( {$960000.00} ) I have requested a full breakdown of what that amount entails and how it was calculated. 

I was told by Citadel that I would be offered a feasible repayment plan after my forbearance. I was negotiating the terms of this plan with Citadel and waiting for a response to my question regarding foreclosure to assess my options. Instead of responding, they quietly referred it to foreclosure and retained a trustee to facilitate it. How am I able to make an educated decision on what to do when nobody would tell me a deadline to decide or when they intended on referring it to foreclosure? If they would have informed me of the XX/XX/21 referral date, I would have found a way to make the first payment on the repayment plan by borrowing from friends or family. I would never have allowed this to be referred to foreclosure and have multiple fees assessed. 

This is an invalid foreclosure referral and it should be immediately rescinded. Citadel has violated the California Homeowner Bill of Rights on many provisions. I was never provided with a referral date and I was promised someone would be in contact and nobody contacted me or responded to my questions. This is a clear example of duel tracking. I was given no information regarding a deadline nor offered a chance to appeal the denial of my request for additional forbearance. I was never provided one point of contact and key information was withheld from me. This all being done amid a global pandemic with other state-imposed guidelines in place. 

They have already imposed and began collection efforts for late fees and attorney fees which is yet another violation of the Homeowner Bill of Rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-20
Company: Convergent Resources, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do not know who they are or where this account or fee comes from, please help me how to remove this fraudulent account

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 2023-02-21
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Anonymous " American Express Serve Card '' agent personnel located oitside of XXXX XXXX have been embezzling from my checkimg account for over a year now. The most recent vanishing funds transaction took place yesterday on XX/XX/2023. {$500.00} XXXX XXXX transfer to my XXXX was initiated by me XX/XX/2023. The transaction was pending, then now it is completely unaccounted for, & the funds was not returned & reflected on my available balance. Account has a limit of $ XXXX a month. Prior sums monies have been embezzled when they put my account into negative & froze my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-17
Company: Paypal Holdings, Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I submitted a payment through PayPal to a friend at XXXX in the amount of {$60.00}. She was unsuccessful accessing that account and I was in a hurry trusting PayPal to resolve the issue, so I went ahead and sent another {$60.00} to XXXX, an account she was successfully able to access. I had assumed this would be an easy fix, as you can clearly see on my PayPal activity that the exact amounts were sent to the exact email minus the XXXX suffix. However, after contacting PayPal they refuse to allow me to cancel the transaction and refuse to issue a refund to me. This is their response, " XXXX XXXX We are a user operated service. If you send a payment to an email address or phone number, that is where the payment is sent. 
Think about it from the other side. How would sellers like it if a buyer could call PayPal, say a purchase was an accident and we just refunded it. '' This person I sent the money to is NOT a seller however, and it even asks you if the person is a friend/family member or a merchant/business, in which I obviously selected friend/family. To end their conversation they suggested I speak to her and have her try to get into her account with customer service. Well here we are 3 days later and I sat right next to her as she tried to get into her account with customer service and they refused her access " because they could not verify her identity. '' In closing, I have {$60.00} just sitting in an inactive account that not the person who sent the money nor the person who was designated to receive it has access too and PayPal if refusing to resolve the issue. I have read multiple complaints of people mistyping a single letter only to never have their money refunded and those accounts holding the money most likely doesn't exist. There needs to be an investigation into how many inactive accounts are hoarding money for PayPal 's benefit without allowing access to their rightful owners.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-01
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:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$27000.00} XXXX XXXX XXXXXXXX Balance : {$450.00} CXXXX XXXX XXXX Balance : {$27000.00} XXXX XXXX XXXXXXXX Balance : {$440.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: EQUIFAX, INC.
State: IL
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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES LAST XX/XX/2021 IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 46 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XXXX, Experian, & XXXX credit agencies had refused to remove accounts on my credit report related to fraud and I have sent them proof on several occasions & they still refuse to help me. It has been a couple of months and they still not removing this information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: EQUIFAX, INC.
State: GA
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:
XX/XX/2023 Equifax, Per the FCPA as a protected consumer I opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802-6805. Per 15 USC 1681 Effective immediately and indefinitely. All of my personal information must be cleared off my report. All versions of names except my only Name " XXXX XXXX ''. All other versions are in violation. There is only 1 address that is correct that should be on my Credit Report and that is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. ALL OTHER locations or addresses are UNMAILABLE, MUST BE REMOVED. There are CHARGE OFFS being reported on my credit report, per the IRS rules, all Charge Offs are considered Income and Income is NOT reportable on Credit Reports. 


XXXX XXXX XXXX - {$87.00} No Account Number listed, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$140.00} No Account Number listed, has violated my rights. 


REMOVE ALL HARD AND SOFT INQUIRIES- XXXX XXXXXXXX XXXX XXXX  ( Finance ) XX/XX/2023 There are multiple Hard Inquiries on my credit report that are NOT authorized, - XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2023 There are multiple Soft Inquiries that are NOT AUTHORIZED : Per the FCPA as a protected consumer I have opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802. Those hits on my credit are not authorized and must be removed. 16 CFR 433.2 & 313.7 - For all Accounts on my Credit Report that show payments to the account MUST be removed because it is ILLEGAL to report ANY transaction history on my consumer accounts to my credit report. I NEVER provided authorization for any institution to report my transactions. ALL current active accounts must be put to Paid as Agreed and remove all payment history, no payment history on any accounts can be shown. 


REMOVE FRAUD STATEMENT OR PERSONAL STATEMENT Remove ALL EMPLOYMENT INFO

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account INQUIRY DATE : [ XXXX XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. XX/XX/XXXX ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: EQUIFAX, INC.
State: GA
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:
XX/XX/2023 Equifax, Per the FCPA as a protected consumer I opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802-6805. Per 15 USC 1681 Effective immediately and indefinitely. All of my personal information must be cleared off my report. All versions of names except my only Name " XXXX XXXX ''. All other versions are in violation. There is only 1 address that is correct that should be on my Credit Report and that is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. ALL OTHER locations or addresses are UNMAILABLE, MUST BE REMOVED. There are CHARGE OFFS being reported on my credit report, per the IRS rules, all Charge Offs are considered Income and Income is NOT reportable on Credit Reports. 


XXXX XXXX XXXX - {$87.00} No Account Number listed, has violated my rights. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$140.00} No Account Number listed, has violated my rights. 


REMOVE ALL HARD AND SOFT INQUIRIES- XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/2023 There are multiple Hard Inquiries on my credit report that are NOT authorized, - XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2023 There are multiple Soft Inquiries that are NOT AUTHORIZED : Per the FCPA as a protected consumer I have opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802. Those hits on my credit are not authorized and must be removed. 16 CFR 433.2 & 313.7 - For all Accounts on my Credit Report that show payments to the account MUST be removed because it is ILLEGAL to report ANY transaction history on my consumer accounts to my credit report. I NEVER provided authorization for any institution to report my transactions. ALL current active accounts must be put to Paid as Agreed and remove all payment history, no payment history on any accounts can be shown.

REMOVE FRAUD STATEMENT OR PERSONAL STATEMENT Remove ALL EMPLOYMENT INFO

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-19
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX XXXX loan reported as charge off on credit report. The account should read as paid derogatory, because I reached a settlement agreement with their contracted debt collection company ( XXXX XXXX XXXX ) to pay a total of {$1500.00} to settle the debt. I paid the debt in two payments and company has refused to provide me with settlement papers and report my account to the credit reporting agency as Paid derogatory. I have contacted them over 15 times, but have not been able to resolve. Additionally, loan balance and interest are close to the same amount, making me wonder if interest paid and loan payments are more than a military member should have paid, especially after they repossessed the vehicle I had to pay to get the vehicle repaired twice. Additionally, credit reports still show balance and should read {$0.00} balance account settled and paid and/or paid 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 non-monetary relief
Consumer complaint received 2021-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX XXXX XXXXXXXX XXXX XXXX contacted me back in XX/XX/2020, that they had a glitch in their system. And incorrectly put a 30 days late on my Visa credit card account. XXXX and Transunion reported the 30 days late and dropped my scores XXXX points. They said that they would fix the issue and they did a month later. Since then, it keeps showing back up on the same two bureaus. I just got denied by XXXX because of this and a few months ago, it wasn't on my credit report. There's something wrong with XXXX  system because it goes away and keeps coming back. This has destroyed my financial life for a Year!!!!!

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 2023-04-01
Company: EQUIFAX, INC.
State: ND
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 response to consumer: Closed with explanation