BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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:
See attatched Fraud Report UNAUTHORIZED TRANSACTIONS of XX/XX/XXXX & XX/XX/XXXX I just recieved XX/XX/XXXX. Took 2 years but now that I know usaa can provide fraud reports I am requesting ALL FRAUD REPORTS be provided. See attatched XX/XX/XXXX statement. FRAUDS REPORTED XX/XX/XXXX are {$170.00} XXXX {$170.00} XXXX XXXX NON DELIVERED OR PURCHASED. ( WHAT EVER HAPPEN TO THESE INVESTIGATIONS BEGUN XX/XX/XXXX?????? ) next we have {$200.00} XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  NON DELIVERED TRANSACTIONS. USAA STEALS XX/XX/XXXX AFTER XXXX  PAYS XX/XX/XXXX XXXX Please provide WRITTEN PROOF OF PURCHASES AND OF DELIVERY INTO MY HANDS VERIFICATION OF ALL REPORTED FRAUDS. See attatched XX/XX/XXXX statement WE SEE CLEARLY AS USAA STEALS MERCHANTS CREDITS TO COVER MERCHANTS FRAUD LEAVING CONSUMER LIABLE FOR FRAUD FOR ** OVER TWO YEARS. XXXX XX/XX/XXXX {$2.00}, XXXX OTHER TEMPORARY CREDITS NOT APPLIED ONLY {$910.00} PERMANET CREDITS FROM MERCHANTS APPLIED. What merchants send USAA TAKES AS THEIRS FOOLING CONSUMERS INTO THINKING 2 CREDITS FOR ONE PURCHASE WHEN ONLY ONE CREDIT FOR ONE PURCHASE APPLIED WAS THE MERCHANTS. XX/XX/XXXX ALL PERMANET CREDITS FROM MERCHANTS SAME DAY ARE NEW CHARGES AS IF MERCHANT NEVER PAID.??? HUH?? PRETEND USAA TEMPORARY CREDITS ARE LISTED ONLY. They are NOT INCLUDED IN TOTAL CREDITS at bottom of listed ADJUSTMENT PURCHASES. USAA CLEARLY STEALS MERCHANT CREDITS XX/XX/XXXX {$340.00} STOLEN XX/XX/XXXX XXXX. {$470.00} XX/XX/XXXX. TRANSACTIONS BACK ON CARD XXXX TIME XX/XX/XXXX. USAA USES TEMPORARY CREDITS NOT APPLIED TO CREATE FRADULENT CREDIT REVERSALS OF {$2.00}, XXXX IN ONE MONTH XX/XX/XXXX. Provide WRITTEN PROOF OF PURCHASES AND OF DELIVERY INTO MY HANDS. AGAIN, USAA USES TEMPORARY CREDITS TO CREATE PERMANET CREDIT REVERSALS OF MERCHANTS CREDITS. XXXX PAYS XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX USAA STEALS AS REVERSED CREDITS NEVER MADE PERMANET HIDING THEM INTERNALLY ) ( ** USAA ARE THIEVES PER STATEMENTS NO USAA PERMANET CREDITS HAVE EVER APPLIED AND OVER {$4000.00} ARE REVERSED??? NO EXPLANATIONS PROVIDED OF FRAUDS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: MO
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MO XXXX XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX  XXXX Account Number XXXX XXXX Please remove it from my credit report. 
10. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Maximus Education, LLC dba Aidvantage
State: MS
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:
You Violated The United States Code Law 15 U.S. Code 1666b. Timing of payments - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I was not late XX/XX/2018 and XXXX have me late 120 days past due and XXXX 180 past due.. Please provide proof the payment was late or remove it from my report. According to FCRA everything on my report has to be 100 percent accurate and verifiable. 

The Following account : 1XXXX XXXXt Acct number : XXXX Please update payment history current/never late Pleases see all attached document below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
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:
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
Consumer complaint received 2022-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
TransUnion is reporting closed account XXXX XXXX XXXX XXXX XXXX as closed XX/XX/XXXX yet also report a payment amount of $ XXXX  monthly with terms of 46 months. This is a violation of FCRA, consumer laws and XXXX. Because this account has so many errors I also questioned the past due amount, balance and pay status. TransUnion responded they had received certification from the creditor and the account would not be removed or updated. When I called the creditor on XX/XX/XXXX I was informed there is no such account in their records at all. I was told I do not have an account with them currently and I do not owe them monthly payments of any amount.

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 2020-03-10
Company: Global Credit Solutions LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has called me repeatedly, as much as 20 times per hour. Ive asked multiple representatives for more information about the debt, in writing to the address I have on file to better understanding they debt they are attempting to collect is in fact accurate. Specially I have asked repeatedly for information about the provider information, date services are rendered etc. but had been told repeatedly that it is not possible to receive more information about the debt owed. During the phone calls this companys representatives are aggressive and still continue to call after being asked not to contact me further.

Company response to consumer: Untimely response
Consumer complaint received 2022-02-11
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
arg will not provide me with a hipa transcript with what their billing me for if i dont get this i will file lawsuit against XXXX  XXXX  unless they provide me with my hipa transcript

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
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: Account information incorrect

Complaint:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

I spoke with XXXX XXXX and they stated the dispute comments would be removed. I am not disputing this account. They sent an electronic request to you all to have the dispute comments removed. The confirmation # for this request is # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
On XX/XX/XXXX I entered into a contract with the car dealership, XXXX XXXX XXXX in XXXX Illinois an the finance company, First Investors Financial Services. 
I began having issues with the car breaking down right after the warranty period had expired. The starter replaced, the alternator replaced, it kept blowing tail light bulbs due to bad wiring etc. It got to the point I could not afford to keep putting money into the car and to make the car payments. 
In XX/XX/XXXX I called an surrender the vehicle. They came an picked up the vehicle in XX/XX/XXXX. 
Have not heard a word from the car dealership or the finance company until today, XX/XX/XXXX, when I received a summons to appear in court. 
I believe they have neglected their duties and failed to notify me when the vehicle was sold. They haven't made any attempt to try an collect this debt any other way except to wait almost 18 months an out the blue decided to take me to court. 
I believe that XXXX XXXX XXXX in XXXX Illinois along with First Investors Financial Services of XXXX Ca. are practicing predatory lending activities.

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 2021-06-28
Company: MoneyLion Inc.
State: NH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have tried to pay off this loan that is ruining my credit for the past three months and there is no way to do it apparently I got an email saying there's a glitch in their system and they're not able to apply my payment yet it is still showing up on my credit and they refused to delete it even though I've offered to pay it off in full several times now over the phone I've offered different payment methods anyway I can think of I even have a checking account with them that they could take it out of yet they still can not pay off the loan and get it off my credit I've had it with this company I never even received a loan it's one of those prepaid credit builder loans that I never even received the money for I have to pay for it before I can get the money it's absolutely insane and ironic that it's on my credit and destroying it especially after I tried to cancel it shortly after before anytime even started because it wasn't what I thought it was and I wanted to cancel it out immediately but they would not let me and now they won't let me make a payment I'm done with this company! Terrible. Thinking of closing my checking account bc they are the only ones screwing up my credit and they don't care

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The above accounts have violated my rights according to 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) .A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. The attached shows the inaccuracies. 

XXXX XXXX XXXX paid after charge off yet the current status shoes " collections and charge off '' That is inaccurate. It is not in collections and paid in full. 
XXXX XXXX XXXX was as a result of fraud and not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents 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 non-monetary relief
Consumer complaint received 2018-10-06
Company: U.S. BANCORP
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
I filed a complaint re charge on XX/XX/XXXX. Received letter on XX/XX/XXXX that understand you now recognize the transaction and wish to cancel the fraud case of {$220.00}. This is totally false. Have called several times and told it will be taken care of. To date, it has not been taken care of. Today been on hold for over 1 hour trying to resolve dispute and now trying to cancel 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 monetary relief
Consumer complaint received 2023-03-15
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am in need of help by the CFPB to resolve this matter as I believe my voice as a consumer is not big enough to resolve this matter even though I have tried lengthy processes to get this resolved since XXXX. XXXX XXXX placed a {$280.00} collection on my credit report for an address I have NEVER lived at. This internet/tv account was fraudulently opened. Moreover, it is now XXXX and is past the statute of limitations. That aside, this account is fraudulent and was not opened by me. I have attached an FTC fraud report as well as the police report number is noted. I also was a victim of the XXXX data breach as well as the XXXX data breach. Additionally, I was informed by the IRS that my SSN may have fraudulently used to pursue employment. I am a victim of ID Theft and I have filed multiple complaints to remove this but to no avail. I have filed a case number with the XXXX XXXX  portal : Report Key : XXXX I have spoken with Credence Resource Management ( XXXX ) who is currently reporting this collection on my credit report. And they were unable to remove this despite them aknowledging the fact that I firmly am disputing this as fraudulent. 

Moreover, I am a resident of XXXX  and XXXX  I have never lived in XXXX  where this account was fraudulently opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Since XX/XX/2021 till now, there have been reps from Navient that when I have explained to them I am on a health leave and dont have the means to pay they insist and insist that I get in a plan and make a payment. I have told them that I am also trying to finish up some courses that will help me get some income when my Dr takes me off the health leave. All I hear from the reps are that I need to get in some pay plan and if not I will be sued. What am to do then I say if they are not willing to help me then I will have to file XXXX I dont want to do that but their calls are only based on threatening to sue me they dont offer me any reprieve and yet there are other loans they put in deferred b/c I am In School yet these tLoans they are threatening to sue me for are not in forbearance and put a lien on any property I may own. Those to me are threats and no offer of help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Experian Information Solutions 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:
Thank you for reading my request about my accounts. I am writing today because during my quarterly review of my accounts listed on my credit report, I noticed that a number of accounts were charged off with XXXX XXXX XXXX, XXXX__Experian. 

I am requesting that these companies please forward me a copy of the 1099-C that was issued by there company when they charged off this debt with the IRS which is required by law for all debts over {$600.00}.

I continuously asked to do so and no one has sent anything. IT looks as if they are looking for a way not to remove this from my report if this was told in error initially it should not be altered to stick on 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 2022-11-10
Company: EQUIFAX, INC.
State: CA
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 been a victim of Identity Theft and the items I am disputing do not narrate to any business that I have made or approved. Neither did I obtain any ownership of goods, money, services, nor profits from the Theft of my Identity. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physical & financially... and I would truly not what to pursue a legal remedy... I need the accounts removed now! 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for a chase sapphire credit card which advertises XXXX points if you spend {$4000.00} in the first 3 months. I received the credit card on XX/XX/2021 and from the XXXX XXXX it showed me that I was spending > {$4000.00} during the 3 month period. However, I didn't receive the credit card awards and when I called to chase, they told me that they have all the fine print such as fees, open date that were not obvious in the offer and told me that I am XXXX dollars short from getting the promotional points. I called twice and their altitude is " don't care '' and didn't bother to see what I see in the chase app about spending summary. Their altitude is horrible and not empathetic at all. I am going to move all my business away from Chase.

Company response to consumer: Closed with non-monetary relief