BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
USAA Federal Savings Bank, at XXXX XXXX XXXX, XXXX XXXX, TX XXXX, will not accept my negotiable instruments and securities, or use my applications as tender of payment for my credit card or auto insurance policy. As a member of the Federal reserve system, USAA has access to the Federal reserve window to withdraw Federal reserve notes using my negotiable instruments and applications. USAA does not return my financial instruments that I have added value to, or my securities. 

USAA violates the FDCPA by creating false and misleading statements to make it appear that I owe them payments, when actually the statements are for dividends the bank owes me as an undisclosed investor. However, they provide no direction on how I may register transfer my securities through their direct holding system to start receiving payments as the entitlement holder. I removed USAA 's security interest in my accounts in XXXX. 

In XXXX I opted out of authorizing USAA to report consumer credit transactions between myself and USAA. When I viewed my consumer credit reports in XXXX my nonpublic personal information was still being reported. USAA also reports my banking transactions to XXXX XXXX XXXX. I have never filled out any Form SSA-89 to have my principal 's SSN released. These are violations of the FCRA. 

I have also concluded that in XXXX a USAA employee made a friendly phone call to me to deceptively create a verbal contract that I had no intention of entering into. 

List of registered/certified mailings of tenders to USAA Federal Savings Bank XXXX XXXX Rescission of security interest and tender received by USAA on XXXX XXXX ( all years XXXX  ) XXXX Tender received by USAA on XXXX XXXX XXXX Tender received by USAA XXXX XXXX XXXX XXXX XXXX Tender received by USAA XXXX XXXX XXXX XXXX XXXX Opportunity to cure received by USAA XXXX XXXX XXXX XXXX XXXX Default received by USAA XXXX XXXX XXXX XXXX XXXX Tender received by USAA XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
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: Was not notified of investigation status or results

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, *Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-16
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX   XXXX   XXXX  has confirmed in the last 60 days that all of my loans are issued by them.  XXXX  has been fraudelently duplicating the same  Student  loans on my credit report making my balances and debt owed double what it really is. I have no borrowing agreement with this company and they continue to call, and now are sending thick packets of mail with information that does not belong to me.  XXXX  has already deleted all their accounts and updated only   XXXX   XXXX   XXXX   XXXX  . I am also very aware that this company has been investigated and apart of several lawsuits. Please look into this matter and have this issue resolved, because they continue to call and now are sending mail that I have nothing to do with. My only borrower is   XXXX   XXXX   XXXX  . Thank you!! My name is  XXXX   XXXX   XXXX , My balance with   XXXX   XXXX   XXXX   is approximately {$21000.00},  XXXX  continues to report {$40.00},  XXXX  and duplicate same information coming from   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 explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions 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:
I am writing in response to your notice about an alleged debt. ( XXXX XXXX & XXXX ). Before I can confirm or dispute this debt, I am formally requesting additional documentation under the Fair Debt Collection Practices Act. 
Please provide the following within 30 days : A copy of the original signed purchase agreement, contract, or other documents showing that I entered into this debt voluntarily and that you are the legal owner of this debt. 
A full accounting of the debt, including the original creditor, the amount owed, interest rate, fees, payment history, and the date you acquired this debt. 
Your license and credentials to collect debts in GEORGIA. 
Written notice of my rights to dispute the validity of this debt within 30 days under the FDCPA. 
I expect this requested information to be provided in full before I can respond further on this alleged debt. Please send physical copies of all documents to my address below. I look forward to your response within 30 days as required by law. 
Thank you for your cooperation.

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 2023-02-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: ERC
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
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'M HAVING ISSUES GETTING MY DISPUTES SUBMITTED TO THE CREDIT BUREAUS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: NE
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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 explanation
Consumer complaint received 2023-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
To Whom It May Concern, It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 3 previous letters to you, all by certified mail ( receipts enclosed ) requesting that you remove inaccurate information from my file and you have failed to do so.

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way.

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum. 

I await your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-11
Company: AmeriCollect
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was involved in a motor vehicle accident in XXXX. The driver that hit me was at fault, I filed a claim with his insurance company as well as my own to ensure medical was covered. Americollect states that I am responsible for this balance and has placed a collection on the credit report. This is incorrect insurance is responsible for this debt, this responsibility does not lie upon me. Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. Americollect states that it meets FCRA requirements as per XXXX, XXXX, XXXX. Americollect is in violation of the Fair Credit Reporting Act as they have listed the hospital onto my credit report which is also a HIPPA violation. This is a direct violation and needs to be removed from all credit reporting agencies again I repeat this is not my debt.

As Americollect is violating the FCRA and HIPPA & FDCPA please update your records and remove all negative information/collections accounts immediately. 

Please bear in mind per violation I can seek up to 1,000 dollars per violation at a local venue of my choosing. 
Contacted Americollect on XX/XX/XXXX The at fault party whose insurance this should be collected from : XXXX XXXX XXXX XXXX ( Employee ) Their AL policy number is XXXX and you can call XXXX to submit a claim on their policy. Claim Number : XXXX XXXX  offers no fault insurance protection if needed. Claim Number XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
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:
Since XX/XX/2021, I sent XXXXhree letters to XXXX XXXX  demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) for the account XXXX reported in my credit, they fail to positively verify the account and it has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed. The company sent me an agreement without any signature, my signature is not on it. 
I demand the account be verified or removed immediately XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: FL
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 to report on my credit report despite several written requests, in violation of federal law.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

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 2023-02-27
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: Information belongs to someone else

Complaint:
This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MI XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX XX/XX/2022 XXXXXXXX XXXX XXXXXXXX XXXX Balance XXXX {$16000.00} XXXXXXXX XXXX XXXX Balance : {$8300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$24000.00} XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX {$5500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: Southwest Credit Systems, L.P.
State: KS
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: Billing dispute for services

Complaint:
I had cell phone service with  XXXX . I cancelled my account and was sent a final bill. I did n't pay the final bill. I do acknowledge that I owe  XXXX . I have tried to pay the amount I owe with the credit collection company  ( S.W Credit systems ).  They are telling me I ca n't pay the original amount I owed anymore. They are wanting me to pay for charges I did n't accrue.  XXXX  continued to charge me even though I had switched to another company. I have disputed this account before. It was then removed off my credit report. Now  XXXX  has sold the account to  SW  credit system. This is illegal. I feel like  XXXX  keeps a saying that the debt and/or issue is resolved and then they sale the debt to another collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: EQUIFAX, INC.
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased XXXX XXXX XXXX XX/XX/XXXX financed by citizens one bank. Between the insurance and gap company i am in process of paying off the loan. Ethos group whois my gap insurance provider issued citizen one a total of 3 checks on XX/XX/XXXX. one for the amount of {$930.00} one for the amount of {$3100.00} and one for the amount of {$530.00}. For some reason the {$530.00} was not credited to my account. I waited about 2 weeks to see it this amount would be posted. i contacted both ethos group and Citizen one to resolve this issue. ethos provided me with proof of payment. I began the process as advised to cancel check to send new check to citizen one. I am unable to cancel check because ethos group provided me a copy of the check that shows proof that it was cashed by citizen one. by looking at the copy it appears that the 4th number written on the check by the servicing center of citizens one may mistaken for another number leading to this check being credited to the wrong account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: HCFS Healthcare Financial Services of TeamHealth
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On  XXXX   XXXX ,   XXXX  , I pulled my credit report and notice a medical collection from   XXXX   XXXX   XXXX   XXXX   that does not belong to me. I attempted to contact and dispute this with  XXXX  acknowledging the debt not being mine, yet they sent an itemized invoice under their letterhead. I, then, disputed this account again with the company on a later date notifying them the account is not mine, and the information provided is a violation to  HIPPA la ws for sharing someone 's medical information. I have no dealings with this company, nor have I signed any contract with them. If what they provided were mine, they are in violation of  HIPPA by  obtaining/purchasing medical information as a third party from a medical facility. Continuing to report false information about me is slander and I have no problem and will seek legal actions and punitive damages for the hardship this allege debt is causing me.

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