BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-09
Company: DISCOVER BANK
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: Problem with personal statement of dispute

Complaint:
My XXXX XXXX XXXX get charged, some cheap cigars shops in XXXX I never been and pay anything there, when I reported {$290.00} wasnt my charge, I dont pay my bill because they refunded back, after two months I get changed again with The same company, I call again and reported fraud, Credit card company did nothing about, i and up paying XXXX $ with late payment and interest charge. This was XX/XX/XXXX. 
I had another problem with discovery card in XXXX I get charged {$3000.00}. XXXX some modeling agencies in XXXX, I reported it was going on back and forth more than year, I get so tired with this, credit card company offered to pay $ 50 monthly no interest charge so I pay off {$3000.00}. With was not my responsibility. I pay both cards and they did affect my credit score can you please help me clear up my credit report thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: American Credit Acceptance, LLC
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
American Credit Acceptance held my car loan from XX/XX/XXXX until XX/XX/XXXX. I was never late. Not once. It took over 3 weeks to get the company to send payoff information to me and my new lender, XXXX XXXX XXXX XXXX. The branch manager of XXXX requested it over 3 times. I contacted them over 4 times to request the payoff be sent, via fax to my bank. They assured me they tool 24-48 hours to do so. I was charged {$13.00} a day for everyday they didn't perform their duties. Then when they sent the payoff, it had accrued fees, etc. They also sent the payoff and loan payment history to my new lender at XXXX via fax that was unlegible. 

After finally getting on the phone with them again, my bank sent the payment in full on XX/XX/XXXX and they cashed it on XX/XX/XXXX. When I called them after XX/XX/XXXX they said they had not gotten it. I was at XXXX during this call. 
On XX/XX/XXXX, they still had the loan open and a 30 day late on my credit report which made it impossible for me to secure a line of credit from my current lender. I called them immediately and requested that they pull the late back. They said they would send to the credit dept. 

Now, it has been one month and the cycle for the credit reporting agencies to update snows the late. 

The conversation with ACA is ongoing, but to date they refuse to send me my payment history, or proof that they pulled the late payment from the agencies. This had drug my score down, and effected my business loan, line of credit and all other financial services

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
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:
From XX/XX/XXXX through XX/XX/XXXX, I was a resident of XXXX XXXX XXXX Due to the pandemic. During this time in my absence somebody gained access to my personal information. Someone made Unauthorized transactions using my USAA XXXX XXXX credit card. I did not have access to my USAA account in XXXX XXXX it does not work so there was no way I could make the transactions. I contacted the bank to inform them of this situation. USAA bank customer service department told me that they would investigate and notify me once they had their outcome of the investigation. As of XXXX, the XXXX XXXX I have not received any e-mail or regular mail regarding this situation the account remains negative. I sent in all my supporting documents and the police report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Experian Information Solutions Inc.
State: VA
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/XXXX, I contacted Experian Credit reporting agency regarding my credit score decreasing by twenty-five points with having one of the nine reasons why such a decrease would occur to my score. 

RE : XXXX '' Back to Messages From : Membership Support XXXX To : '' XXXX '' XXXX Sent : Fri, XX/XX/XXXX XXXX AM I received no answer from your voice team and would like to have my concerns involving reference # XXXX addressed as to why none. 
of the nine reasons which justify the twenty-five-point decease which took place on my credit report, applied to my score, but the decease still took place. 

XXXX : " XXXX '' Back to Messages From : XXXX XXXX To : XXXX Sent : Fri, XX/XX/XXXX XXXX XXXX  I appreciate your attempt to provide good customer service in this matter, and I draw your attention to what you stated, " When you do have a score change, you can find a " What's changed '' section on your credit report. This will help you compare the changes that happened between report pulls that could have caused the score change ''. I have thoroughly compared the report from XXXX score XXXX Experian date XXXX XXXX, XXXX which was XXXX, and report from FICO score 8 Experian date XX/XX/XXXX which was XXXX no such information was provided as to what changed or any, " What's changed '' section that exist. I have printed both reports and will make sure my concerns are proper before filing my concerns with Consumer Financial Protection, I will also contact the Customer Care team at XXXX XXXX Monday through Friday XXXX XXXX  to XXXX XXXX and Saturday and Sunday XXXX XXXX  to XXXX XXXXXXXX  XXXX Time, as you suggested.

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 2022-05-03
Company: Nationwide Recovery Systems, Ltd
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I know my debt was valid. It went to Nationwide Recovery Systems. I called them in attempt to pay my debt to get the collection off of my credit report. The representative told me if I paid today ( XX/XX/XXXX ), he could reduce my bill. I asked for a settlement letter. The man accepted my request and emailed a settlement letter indicating the reduced collection. I agreed, and paid the bill. I noticed today, that on the day after, XX/XX/XXXX, an additional {$400.00} was withdrawn from my account from the same company. 
I immediately emailed them saying I wanted my money back in a refund otherwise I would be taking further action. They would not respond to my email other than emailing back saying they wanted to call me. I refused, said email correspondence would be sufficient, and said I wanted proof of what they say to me via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Incorrect information has been reported to the credit reporting bureaus and it is damaging my credit ratings. Moreover, the incorrect information is over 12 years old. 

XXXX XXXX XXXX, XXXX ( " XXXX '' ) is a third party residential mortgage services provider. XXXX serviced a mortgage I held on a house owned in XXXX, WA : A house I sold in XX/XX/2007. Sale of the house resulted in the full payoff of the loan XXXX  was servicing. This loan was paid off, in its entirety, in XX/XX/2007. Thus, there was no loan, no loan obligation, and no payment obligation after XX/XX/2007. 

In XX/XX/2007, one month after the loan was paid off, XXXX reported a " late payment '' to the credit reporting bureaus. There were never any late payments -- I had never been late on any payment on the mortgage. This is troubling because XXXX reported a late payment AFTER the loan had been paid off. Then, XXXX reported the loan as 60 days late. This is a very damaging item on my creditor report : A report that has no other similar late payments. 

12 years have passed. Setting aside the factual inaccuracy of the alleged pate payment, XXXX has refused to notify the credit reporting bureaus to remove this from my credit reports. This failure is despite my repeated attempts to notify them of this problem and multiple requests for their assistance to correct this error. 

XXXX is taking affirmative and active steps to maintain the late payment on my credit report. It is very strange behavior, to be sure, but something I hope your organization can help me correct. 

NOTE : No money is owed -- there were never any late payments -- I complied with all terms and conditions of the mortgage. The loan was paid off in its entirety in XX/XX/2007.

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 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$88.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXXXXXX Balance : {$460.00} XXXX XXXXXXXX Balance : {$860.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-05-03
Company: EQUIFAX, INC.
State: NY
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I contacted TransUnion regarding inaccurate information on my credit report. However, I have not received a response to date. The specific inaccuracies are as follows : The reported Balance of {$8700.00} for the XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX ) account is incorrect. I recall the balance to be lower, and I request that you remove the inaccurate Past Due amount. Since this account is closed and charged-off, it should not be reported with a Past Due amount. I also request that you mark this account as disputed to prevent any negative impact on my credit score. 
The Balance of {$4800.00} reported for the XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX ) account is inaccurate. I recall owing a lower amount, and I request that you remove the inaccurate Past Due information. Additionally, since this account is closed and charged-off, it should not be reported with a Past Due amount. This inaccurate information has negatively impacted my credit score, and I plan to contact the creditor to rectify the situation. In the meantime, please mark this account as disputed. 
The Balance of {$710.00} reported for the XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX ) account is also inaccurate. I do not recognize this amount and believe I owe a lower balance. Additionally, the Past Due amount reported for this account is inaccurate as it should not be reported for a closed and charged-off account. I intend to contact the creditor to rectify the situation, but in the meantime, please mark this account as disputed. 
The reported Balance of {$33.00} for the XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX ) account is higher than the amount I remember owing. Furthermore, since this account is closed and charged-off, the reported Past Due amount is inaccurate and should be removed. I plan to contact the creditor to correct the distorted information, but in the meantime, please mark this account as disputed.

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 2022-09-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an alert that someone tried using my personal information to obtain extended credit ( credit card ) from a personal USAA checking/saving account unable to pass the security questions. USAA pulled my XXXX consumer file without consent and proper authorization. My XXXX report was already had a freeze and all reports had a fraud alert at time this cyber-crime was committed on XX/XX/2022. USAA was contacted to further investigate. When I disputed the inquiry on my credit file, USAA claim the account was valid and refused. 

I received a letter dated XX/XX/2022, the person that drafted and sent the letter is unknown to USAA customer service and fraud dept. The fraud dept rep became hostile and unprofessional claiming she is not permitted to provide me with documentation used to open the account. 

USAA did confirm today XXXX that I am not eligible to open an account unless one of my parents was a member. USAA claim they are unable to provide me with any further information for investigation they will take care of the problem. I received no confirmation of the person and/or persons involved with opening an account in my name at a bank that serves the military. There must be an associated member attached to the fraudulent account USAA opened without my consent or proper identification.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Southwest Credit Systems, L.P.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A year or so back I was continuously getting false reportings on my credit report for {$280.00} for XXXX   XXXX. I have never a day in my life had XXXX XXXX services. It finally took writing to consumerfinance to get it off my credit report because disputing it through XXXX  kept coming back that the account was mine even though it was not. 
Now, I have received another collections on my account from XXXX XXXX XXXX  who is through who?? XXXX XXXX. This company is changing the company I apparently owe and continuously trying to come after me for a debt that I definitely do not owe. I did not forget that they already tried this a couple of years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions 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  Account # XXXX XXXX XXXX XXXX, # XXXX, # # # XXXX, # XXXXXXXX XXXX, # # # # # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX, # XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX violated my rights.

SEC 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 2021-07-20
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I mailed Experian a certified letter stating that the derogatory marks on my credit report were incorrect and needed to be removed. My personal information was involved in multiple data breaches and I feel like my requests as the consumer are being ignored. This is the only company that kept these deragatory marks on the file as XXXX  and XXXX  have complied.

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 2023-10-25
Company: EQUIFAX, INC.
State: IL
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:
Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : ALL DEPT OF XXXX/ ED In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

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 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 items of information, other than records of convictions of crimes which antidotes 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. 

I demand the collections be removed from my account immediately.

Company response to consumer: Closed with non-monetary relief