BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-28
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:
USAA may be deliberately violating its recent Consent Agreement with the CFPB by not properly investigating DISPUTED credit card charges, refusing to show when consumers timely dispute credit card charges, and engaging in unfair collection of fees and adverse credit reporting intentionally violating federal consumer protection law. 

Relevant details are described herein :

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: EQUIFAX, INC.
State: IL
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 6 hard inquires on my report that I do not recognize. I tried to explain to 3 bureaus and the creditors that I didnt recognize them and that they shouldnt be on there. They continue to tell me they cant do anything are all 6 are hard inquires so its hurting my credit. I need them gone as soon as possible. I also sent credit letter to the 3 bureaus and credit to dispute negative items and they have not been responding. Its almost been 2 months. I NEED THEM GONE NOW SO I CAN GET FUNDED FOR MY BUSINESS!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
I applied for a Capital one Venture X card on XX/XX/XXXX and was approved. The annual fee of {$390.00} was charged on XX/XX/XXXX which I paid promptly. The account was closed on XX/XX/XXXX, with no explanation from Capital one Bank. I tried calling and asking for a reason but none was given. Anyway, I am requesting a refund of a paid annual fee of {$390.00} which I believe I am entitled to. 

I am attaching the letter of account closure from Capital one Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Don't recognize the inquiries bellow they are fraud and they did not have my permission or approval. I contacted each individual company they have no record or a file from me. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2022-10-26
Company: Associated Credit Services, Inc.
State: NC
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:
Today on this date of Wednesday, XX/XX/2022, I reached out to Associated Credit Service Inc. regarding an account that they are stating that I have with them. After having given them my name and social security number, I was then asked to verify my home address. I gave them my current address as well as all the ( XXXX ) previous addresses that I've lived at. They then stated that none the addresses were the correct address that they have on file in regard to this account. The person handling the call then stated that since we can not verify the address, that there is nothing we can do moving forward. ( Paraphrasing ) I then contacted XXXX in attempt to see what my next steps should be. The rep. expressed that she would update the dispute. I additionally contacted XXXX and the rep. stated that I should contact the Federal Trade Commission to initiate a claim, which upon starting said claim I was redirected here. CFPB Citing the fair credit reporting act, 607. Compliance procedures [ 15 U.S.C. 1681e ] ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
( c ) Disclosure of consumer reports by users allowed. A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.

( d ) Notice to Users and Furnishers of Information ( 1 ) Notice requirement. A consumer reporting agency shall provide to any person ( A ) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer ; or ( B ) to whom a consumer report is provided by the agency ; a notice of such persons responsibilities under this title.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more than 68 times nonstop this is exhausting they are not putting these fraudulent inquiries in dispute and they still haven't deleted them either I am depressed. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 90 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX  from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be XXXX  please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-14
Company: Security Credit Services, LLC
State: OH
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
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: Reporting company used your report improperly

Complaint:
I am disputing an account that I do not recognize and it is in Charge Off by XXXX XXXX XXXXXXXX opened on XXXX for a credit card for a total amount of XXXX dollars. I have called and sent more than 3 letters to the creditor during the last 2 months since I do not recognize this information. It does not belong to me. 
My social security was just provided about 12 months ago and I need this information removed from my credit report as it is affecting my 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 explanation
Consumer complaint received 2021-01-21
Company: Ability Recovery Services, LLC
State: AK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Ability Recovery Service is still reporting that I owe {$360.00} to them. I have done all my research and the so called debt was with XXXX XXXX, which I paid in the amount of {$260.00} as my final payment for the semester. I have provided receipts, bank documents and a letter from XXXX XXXX saying it was paid in full. So, my complaint is now against XXXX XXXX, Ability Recovery, and XXXX because they are allowing this to continue. Other credit reporting agencies show this closed and are no longer reporting, which is correct and accurate. Why XXXX continues to allow it is UNFAIR and ILLEGAL.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 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 2018-10-16
Company: Paypal Holdings, Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/XXXX - Paypal-Prepaid, Paypal, XXXX XXXX interference. 
XX/XX/XXXX - Group public interference, psychologically stalked by them since sometime in XXXX. 
XX/XX/XXXX - Successful use of activated card and App. 
XX/XX/XXXX - Manipulation of online notification and available features ( account settings ), 2 accounts. 
Denied instant transfer ( 5th day ... XX/XX/XXXX ) XX/XX/XXXX - Denied use of Paypal Prepaid 's Paypal balance, a Mastercard insured service. Prompted to call Paypal. 
XX/XX/XXXX - Over-the-phone-misled calls. 
XX/XX/XXXX - Same pattern. 
XX/XX/XXXX - Same pattern. 
XX/XX/XXXX - Paypal App manipulation discovered. Same pattern. 

https : XXXX - Objectives were clear. It's only to these accounts ... I'm noticing they as the organized crime group simulating understandings in brainwashing techniques using website technology tools of their company to force thought. Abridgements are several. 

Ongoing ... XX/XX/XXXX-XX/XX/XXXX account they may attempt to use ... if so, dates of stalking would begin during that year. The bully may also include an employment disability Judge, a calm ally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: EQUIFAX, INC.
State: NC
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: I.C. System, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX of XXXX, I purchased an XXXX XXXX as part of my XXXX XXXX. 

One year later, XXXX of XXXX, I paid the phone off early and moved my service to XXXX. 

Unbeknownst to me, XXXX continued billing me $ XXXX for data charges for the remainder of XXXX with the final balance being {$230.00}. These bills were being sent to an old XXXX address that I was no longer using so I was unaware of the charges. 

In XXXX of XXXX, XXXX moved the account into collections at IC System. 

After being contacted by IC System, on XX/XX/XXXX, I paid IC System {$230.00}. I paid the amount IC System said was due to XXXX and was informed that the account was paid in full. At that time, the account was not showing up on my credit report. I received documentation from IC Systems stating the XXXX account balance was XXXX. 

In XXXX of XXXX, I saw that I had a collection from XXXX for {$2.00} on my credit report. I contacted XXXX, was told there was still an outstanding balance, even after IC System said the balance was paid in full, and I paid them {$2.00} at that time. The {$2.00} plus the previously paid {$230.00} equals {$230.00} which was the amount of my final bill from XXXX that I just recently found in my old XXXX email account. I dont know where the disconnect was between IC System and XXXX on the amount due but it has caused nothing but issues for me. IC System collected the wrong amount and XXXX put the remainder ( {$2.00} ) on my credit report. 

It was in XXXX of XXXX that XXXX first re-aged my account on my credit report. At that time, it had been appearing as a charge off dated XXXX of XXXX. After I paid the {$2.00}, they changed it to XX/XX/XXXX. 

Although I paid the full {$230.00}, the account is still showing on my credit report as legally paid for less than the full balance. 

Im working on getting a business line of credit and need to have this XXXX collection removed off of my credit report. I contacted XXXX and asked for a goodwill deletion. I had been a customer for many years, never in collections, and paid the amount that was due after the account was closed immediately upon learning about it. 

XXXX replied back declining the goodwill deletion and stated that the payment I made was made in response to a negotiated settlement offer. Not true. 

Just this past week, I am seeing that XXXX has once again re-aged the charge off. This time it is appearing as XX/XX/XXXX making it look like a fresh charge off.

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 2023-09-13
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2023-10-22
Company: CITIBANK, N.A.
State: PR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Since at least early XX/XX/XXXX Citibank has been making me go through extra and extensive security measures repeatedly and for no reason. I've always been able to eventually access the account because of a method they informed me of when I complained, but the excessive security checks still continue. I have no problem with any other website except XXXX XXXX which is not letting me make transfers and makes me go through extra security checks other than signing in which didn't stop after I signed for two-step verification. I filed an ICE report with the FBI in XXXX concerning problems with Citibank.

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 2022-10-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I notice a company called XXXX has been reporting on my credit report which is causing me a great amount of stress and has lowered my credit score tremendously. I did contact them send proof such as police report, ID and FTC report letting them know that these accounts are due to identity theft. I have not agreement with them or sign no contract with them to take out any loan. They emailed me the documents I requested and the date that is on there is XX/XX/2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX XXXX ACCOUNT # : XXXX PXXXX XXXX XXXX  IS IN VIOALATION OF INVADING MY PRIVACY, THEY HAVE MY INFORMATION AND I NEVER DID BUSINESS NOR SIGN A CONTRACT WITH THEM. 

AND CREDIT REPORT IS IN FULL VIOLATION 1. ACCOUNT ACTING AS A CHARGE OFF & COLLECTIONS AT SAME TIME 2. WRONG DATE OPEN & NO CLOSED DATE 3. PAYMENT HISTORY, ACTIVITY STILL OCCURING EACH MONTH AFTER ACCOUNT CLOSED

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 2022-09-14
Company: Experian Information Solutions Inc.
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:
On XX/XX/XXXX, I contacted XXXX to make my XX/XX/XXXX payment, I initially attempted to make the payment by phone but I ended up speaking with a customer representative, I gave authorization to make the XXXX payment with her, at the end of our convo she asked if I wanted the confirmation #, I was not where I could take it down so I said no. On or around XX/XX/XXXX I received a letter from XXXX stating they were making a negative entry to my credit report. I called XXXX and spoke with a Rep that said she didn't see any notes regarding a convo on XX/XX/XXXX, I told her that if the company pulled the recording of the conversation using my phone # they could hear that I authorized payment but the rep didn't post it, the payment authorized on XX/XX/XXXX didnt post, she said she'd investigate and get back to me, on around XX/XX/XXXX, I called back, got another rep who said he didn't see anything about an investigation but he'd set it up and at this time I made the payment that was due XX/XX/XXXX, I also inquired about XXXX correcting my credit report since the rep didn't post the authorized payment and he said he'd ask supervisors if it can be corrected. Sometime in early XXXX, I received a call from XXXX XXXX relations, I forgot the name of the representative and told my story again, he too said he'd check with management about correcting my credit report. I reached out to him few weeks later and he told me that nothing he could do the report was correct. I have disputed twice with the credit bureau and they sent a letter saying the 30 day late stands the account is being reported correctly. All I am asking XXXX to do is review the conversation I had with the rep on XX/XX/XXXX, verify why she didn't post the payment, and correct the report because if the rep had applied payment on the XX/XX/XXXX the account would not be 30 days on XX/XX/XXXX and my report would not have been impacted.

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