BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2022 an electronic draft request was issued by XXXX XXXX XXXX on my behalf for our car insurance premium in the amount of {$220.00} to USAA. On XX/XX/2022 USAA refused this charge despite having a sufficient balance in the account. My insurance company cnacelled the policy and refused to cover damage dpne to the car after the policy was cancelled. I now have a significant amount of damge on both vehicles and because of this, i can not have the car insured at all. This leaves me vulnerable to legal and financial action against me if I drive my vehicle without coverage. I have tried to work with the bank to get the damages covered. They refuse to give me contact with anyone other than the resolutions department and refused to provide me with any proof that there were insufficient funds at the time of the attempted withdrawal. I am now forced to seek legal representation at my cost to resolve the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I HAVE NOT HAD ACCESS TO MY ONLINE TRANSUNION CONSUMER DISPUTE ACCOUNT SINCE XX/XX/2023. I HAVE BEEN CALLING TO NO AVAIL. TRANSUNION VIOLATED CONSUMER LAW BY REINSERTING XXXX XXXX XXXX WITHOUT NOTIFYING ME. I ONLY SAW IT ON MY XXXX  XXXX APP CALLED XXXX XXXX. THIS IS FRAUDULENT INFORMATION.

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 2023-04-03
Company: Westlake Services, LLC
State: AL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Yes a entered a contract with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX for the lease of a XXXX XXXX XXXX XXXX For the Sum of XXXX. I applied XXXX down with payment arrangements for XXXX for XX/XX/XXXX and XX/XX/XXXX and then fjor XXXX ( which ended up being XXXX every two weeks because I submitted on line and they charged a fee for this.I made payments every two weeks up until XX/XX/XXXX due to I was unable to get ahold of XXXX XXXX to make payments and the dealership where I got the car was closed. That is when I found out they had closed down nation wide. I was told a company called Westlake Portfilio Management took over the loans. I finally receive a letter in regular mail on XX/XX/XXXX. Stating the I owe them XXXX and was past due XXXX. I tried contacting them and I have been unsucessful until XX/XX/XXXX when I finanlly reached them requesting a credit rating letter which they sent immediatly to my email. but when I started questioning them about the amount owe and where they got that fiqure since I had made payments every 2 weeks for a year and the orginal contract was for XXXX they hung up on me. and I have not been able to get them to answer. I have tried to trade car but dealerships don't know who they would get final pay off from or who to send it to. It is not showing up on my credit report as of date, not even ehere I have paid for a year. This is very fustrating when I done everything in the contract and I am being told by a debt collector not a bank or loan company that I owe more than my contract even started out as.

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 2022-06-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have repeatly asked EQUIFAX to please send me validation of said acct ; XXXX XXXX - I do not have nor have I ever had any business w/XXXX XXXX- Additionally, I have requested they provide the name, address, and telephone number of each person contacted regarding this alleged acct. along with a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

I have requested that any automated response or e-Oscar verification is unacceptable. 
I have asked for a reinvestigation AND their Method of Verification several times. I am/have made a final goodwill attempt to have EQUIFAX clear up this matter. 

The listed item is entirely inaccurate and incomplete and represents a very serious error in EQUIFAX reporting. I have advised them that I will be reporting them to the Consumer Financial Protection Bureau and the Attorney Generals office. 

They continue to be NON-COMPLAINAINT according to the FCRA sections 603, 604, 609, 611, and 623, BY SENDING MY THE SAME AUTOMATED RESPONSE : The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. Account # XXXX The results are : WE VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *CLIENT NAME. 

WHERE IS THE ORIGINAL SOURCE OF INFORMATION THAT WAS PROVIDED TO THEM? 

My Next and only recourse is to file a Civil Penalty Claim for their willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: SLM CORPORATION
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:
This is the second complaint I am filing as they closed the first without answering and disregarding everything I said. Below is the original complaint. 

Sallie Mae is incorrectly reporting my account with them as not paid and put a full balance back on there. When it was originally reported as 100 % paid a couple weeks ago onto my credit report prior. causing my score to rise exponentially. The account was paid off and I have correspondence and letters from the company saying that I completely paid the full balance. Even received a check in the mail a few days later for a refund of the money I overpaid on the full balance. Subsequently it was stated on my credit report as 100 % paid as well as my cosigners. Almost a month go by, and they tried to say that all that was false and that I still owed the complete balance. That is fraud. As I went through all the correct and proper channels to pay. Sent them a letter REGISTERED MAIL notarized XXXX and sworn by me, asking why they say I still owe and explaining if that's the case how did I get a check in the mail or why it was listed as 100 % paid off. They never responded and kept harassing me with phone calls, letters, texts and emails. I just wanted them to prove what they claimed, and they did not and refused to respond. I will attach the certified mail I sent to the company in the attachments along with other documentation. 

Their response was that the was not processed and rejected and it takes XXXX days to reflect. It reflected after XXXX and that's when all the information saying I paid the loan completely off because payment went through. They refuse explain why my account was closed if it was allegedly rejected in the system and the subsequently reopened months later. This is fraud. I sent notice of error and affidavit via certified mail. Which they ignored. And never even after the written instructions to. Just blatantly disregarded my certified mail which they received which had to be signed for. They have not proven once that the money was returned. Because it was not returned to me. This is my word versus their word at this point and they are trying to silence me and get away with fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: BARCLAYS BANK DELAWARE
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: Card was charged for something you did not purchase with the card

Complaint:
My current statement shows four over charges for the laundry machine in my apartment building. I have been over charged more times than I can count. I have complained before and the card issuer has removed the charges. Barclays disconnected me today three times when I called again to dispute these overcharges.

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 2023-03-26
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was looking at my credit report and saw that the XXXX account was dropped off in XX/XX/XXXX and I noticed that you reinserted it back on my credit profile in XXXX XXXX. I know it is against the law to re-age the account and I expect it removed now.

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 2023-02-11
Company: EQUIFAX, INC.
State: PA
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 sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Waypoint Resource Group, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XXXX charged me a bill for {$140.00} : {$100.00} cancellation charge and {$43.00} for service. I told the representative that I moved and kept XXXX services, but the representative said that caused a breakage of the contract. When I asked for agreed upon contract, the representative did not have any records, but continued to threaten me with " hitting '' my credit report, which would cause future financial hardship. Then, the {$43.00} service was for internet services 45 days after my cancellation. When I asked why I was charged twice ( as I was using Xfinity from the new move ), the representative, again, referred to the contract, I, again, asked for the contract and was not supplied it. 

Nevertheless, I paid {$90.00} to settle everything, but the business practices of XXXX are unethical. When I turned in my equipment, I was told by the XXXX sales associate that everything was " good to go. '' Two years later, I received a letter for back payment with erroneous and made up charges.

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 2021-08-25
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
NOTICE!!! As a federally Protected consumer/natural person I DEMAND these accounts be removed! The information listed, which appears on my credit file, does not relate to any transaction ( s ) that I have made. You/reporting agency are in violation pursuant to 15 u.s. code 1692d ( 1 ), 15 u.s. code 1692j ( a ), 15 u.s. code 1692e ( 1 ) ( 2a ) ( 3 ) ,15 u.s. code 1692c ( a ) for helping to facilitate entities/companies to commit fraud. You/reporting agency are also in violation pursuant to 15 u.s. code 1681r for sharing/communicating my private consumer/natural person file to other unknown entities without my consent. If this is not resolved Within 30days of receiving the FTC Affidavit I will take lawful action ordering judgment against you and the Debt collector under 15 u.s. code 1692k for damages. THE XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$580.00}, XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Around the date of XX/XX/2023, I mailed off a Pre-Arbitration Demand for Settlement Offer letter because the debt collector XXXX XXXX XXXX, XXXX sent me an untimely letter in connection with me filing a complaint against them initially. They ignored it. They sent in an untimely response through the CFPB back in XX/XX/2023 after I sent them a debt validation letter and after their 30 days demanded that they delete the account for failure to validate the debt. It wasn't until I submitted a complaint with the CFPB when they decided to respond which is a violation of the FDCPA for failing to validate the date in compliance with the law. Since there was no enforcement, they continued to report the debt on my credit report. I then eventually received a letter from them in the mail with a model form b1 form that was not in compliance with 12 CFR 1006.34c Regulation F. I received a letter with a balance and statements attached that shows an alleged debt, but still not validating the debt in compliance with the FDCPA. Upon reading the letter I noticed a few FDCPA violations including : 15 USC 1692f ( 8 ) for having symbols and names that indicate the collection of a debt, 15 USC 1692e ( a ) a balance that is alleged and not proven to belong to me, 15 USC 1692b ( 5 ) because my wife received the mail instead of me, and 15 USC 1692c ( a ) ( 1 ) because the time I received the letter was not an appropriate time which caused distress in my between my wife and I, and 15 USC 1692d ( 2 ) because they gave me a disclosure telling me that they were not attempting to collect a debt when in fact they were. They lied which also constitutes fraud and 15 USC 1692 1692j ( a ) for the furnishing of deceptive forms. I want the account deleted from all CRAs. They have performed unfair debt collection practices, and I am also seeking remedy for the distress and hardship they put me and my family through due to their lack of compliance and remedy for report the account on my credit report inaccurately ( 15 USC 1681s-2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: Conn's, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Is sending me collection letters to collect on a discharge debt. 

Conns Appliance is the original creditor that keeps giving these collection companies my discharged debt. 

This is the 3rd collection company that has contacted me. 

I am tired of responding but I have to in order to keep them from Attacking my credit. 

Conns Appliance also reported my debt as a charge off instead of a discharge although the account was never late before discharging. 

It seems Conns keep selling my information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Affirm Holdings, Inc
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The company affirm.com keeps reporting that I owe {$35.00} a month. Which they are estimating that is around {$380.00}. They reported to my credit XXXX that my account is flagged as not being paid. That is causing my credit score to go down.

I emailed the company several times. About five times.

I called the company. Made a complaint.

I filed a complaint.

I file several dispute. 

They keep reporting that information is correct. 

I have never bought anything off the website or use their service. 

It seems like they don't want to correct the problem. I want this company to STOP reporting to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Information about XXXX  XXXX XXXX continues to appear on my credit report, however XXXX XXXX  XXXX have no information on me said account on their data base. I have tried to dispute it, but it continues to appear on the reports. The credit bureaus advise me to get in touch with XXXX  XXXX XXXX and XXXX  XXXX XXXX advise me to get in touch with them. I've been going in circles for months, to no avail.

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 2022-04-21
Company: Rocket Mortgage, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
The Rocket Mortgage company submit an application for a loan for me and they asked the XXXX XXXX XXXX to run my credit report without my authorization and my consent. I recieved by mail a copy of my credit report and a Loan application number, and I didnt ask them to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
i had called to stop several automatic payment withdrawls from my checking account. they had also missed one when i spelled out the name for him. he said they would show up pending when the withdrew, as he explained then the following day after i checked to see if the fell of they came in as miscellaneous items, i called the customer service department again they couldnt access the files, he said what some companys do is re submit them again under different amounts and that they put in a coverage rate and that they would fall off by XXXX the next business day well they paid them anyhow the ones i wanted stop payment on and the missed one that i even spelled it out for the representive, who was discouraged that he had to enter these stop payments when i called customer service she couldnt answer me that she could file a complaint that they dont record individual conversations in to whom we spoke with. i asked then so since i was a bank error would i have to pay overdraft fees until i have the money and she replied yes, but she said it wasnt a banking error.so now i am overdrafted no money and cant keep up with the overdarft fees

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-05
Company: Experian Information Solutions 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:
This is XXXX XXXX and I am submitting this CFPB complaint to request to the Credit Bureaus to remove the fraudulent accounts and information off of my Credit File in accordance with the Fair Credit Reporting Act section 605b. Although I greatly appreciate the Credit Bureaus ' efforts to remove some of the disputed accounts and information, there are still accounts and information remained that should have been removed. I recently received a copy of my credit report and was shocked to find that there are still items that I did not open and have no knowledge of being reported without being properly verified. I need the following items removed witho no exceptions : XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : - XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX Reference # : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. If the Credit Bureaus believe that the disputed items truly belong to me, I require the Credit bureaus to send me copies of documents supporting such claims. In the absence of such documents, immediate deletion of the disputed items is greatly appreciated.

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 2021-09-07
Company: EQUIFAX, INC.
State: PA
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:
Accounts were reported as late the month that they were consolidated. They were in administrative review until that time, then in XX/XX/XXXX all of them were marked 90 days late and closed to open the newly consolidated account. I have had trouble purchasing a home because of these 11 90-day late marks. 

I have disputed it many times but they say they didn't report it late and can not see my credit report even though I submitted it to them in XX/XX/XXXX. 

1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4.XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. XX/XX/XXXX 8. XX/XX/XXXX 9. XX/XX/XXXX 10. XX/XX/XXXX 11. XX/XX/XXXX

Company response to consumer: Closed with explanation