BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was notified of a delinquent balance with USAA credit ( account ending in XXXX  ), via a routine credit notification service the night of XX/XX/XXXX. Prior to this check, I maintained a perfect credit score for over 15 years. I called the day of XX/XX/XXXX, to rectify the balance and request that the delinquent report be removed. I spoke with ( person ) in banking who transferred me to ( person, # ) in collections. 

I was then informed that the above mentioned credit card that had been on autopay since the account was opened in XXXX, was not on autopay. I was not notified via email or phone of the delinquency. When I inquired, I was told that the documents were listed under new document in the online account, but no email or other notification indicating that any account with USAA was delinquent was sent. When I asked why I was not called about this, the representative said USAA calls people all the time. When I asked about [ removing the charge as a courtesy ), as I had banked with them since XXXX with no previous delinquencies or issues, they said that it was not their department and that I would have to fill out the form on the website for credit disputes. When I pulled up the page, it said that USAA policy dictates that they will not remove accurate information from credit reports. regardless of dispute. When I read this to the debt collector on the phone, she reiterated that she wanted to make sure payment was collected so no further delinquencies would be reported. I did make the payment in full. They said that an investigation would be completed if I were to submit a credit dispute to USAA online, but in the interim, my credit score dropped almost XXXX points. Furthermore, following the phone call, I immediately tried to submit the form on USAA, but each attempt to submit resulted in an error message on their website ( INSERT ERROR LANGUAGE ). 

My credit score has dropped substantially due to no fault of my own. This has ramifications for rentals, job applications, and basic security. When I was made aware of the balance, I paid it in full, as I always do, including all fees assessed with the previously unknown delinquency. 

The Consumer Financial Protection Bureau has listed canceling autopayments without sufficient notice in their Summer XXXX Supervisory Highlights under section 2.2.2. 

The supervisory highlights publication describes this action as institutions engaged in unfair, deceptive, or abusive acts or practices ( UDAAPs ) prohibited by the Consumer Financial Protection Act of 2010 ( CFPA ). 

Supervisory Highlights. ( XXXX, XX/XX/XXXX ). Consumer Financial Protection Bureau. Section 2.2.2 https : //www.consumerfinance.gov/compliance/supervisory-highlights/

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Colony Brands, Inc.
State: NJ
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:
I have contacted these companies on my credit report several times. None of them will remove their in accurate information from my credit report. I have reached out to their companies as well as I ask for information regarding the accounts that are associated with my name be removed from my account. I have paid these accounts in full. These accounts on my credit report were supposed to be took an off after making all payments in full. This is what the companies customer service representative and specialists are saying, but nothing is being done. I asked for documentation of these accounts, and the results of the paid status, and the removal of these accounts from my credit report they are not sending me any documentation and they are not removing them from my credit report as they said they will do so. They are reporting back to the credit bureau that they are refusing to remove this information and they will not reach out to me about why they will not remove this information as it is a resolve situation, prior to their agreement to remove. I pay all accounts off in full and on time. I should not have to suffer the inappropriate behavior of these companies lying to the consumer as they continue to promote negative credit status against the account holders.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: LEXISNEXIS
State: NC
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:
Made contact with LexisNexus on XX/XX/2022 to address a reporting of a Bankruptcy to my credit report. I asked that they provide me information on how they validated the bankruptcy. Account number they have on file is Incident : XXXX. I did not receive any information on how they validated this bankruptcy as mine. I contacted the Bankruptcy court listed on my credit report and they responded that they do not provide any verification of bankruptcies to any credit reporting agencies. I have attached a copy of the letter received from the courts. 
In accordance with the Fair Credit Reporting act LexisNexus 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX 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 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 2023-04-24
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 information incorrect

Complaint:
I have tried to relative these issues with the credit reporting companies. Accounts showing closed on one date, but saying last payment in different date. Now they trying to update something from a previous complaint. FTC states wrongly use of my information is against the law. For example, a XXXX account thats states on the login account that I have until have until XXXX/XXXX/XXXX  to make payments, but I have late payments on credit report. Other accounts that was/have been reported incorrectly over the years. These accounts have been reported with wrong closed dates, payment statements, balances, and as well as last payment made. I have submit documents to XXXX XXXX on student loan through XXXX thats paid in full through ligation.

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 2023-01-07
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a letter claiming I owe {$36.00} owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and collected by transworld systems inc ( TSI ). 

Noted charge was falsely applied to me while I was using a XXXX XXXX XXXX along with other charger that was over {$100.00}. 

I disputed with my bank part of the {$100.00} as I saw accurate and the whole {$36.00}. The dispute was successful and my bank received no evidence or communication from XXXX. 

transworld systems Inc asked that I write to them by XXXX, XXXX XXXX  or else they will assume that the dept is correct. transworld systems Inc never attempted to call, email, or mail me. transworld systems Inc also falsely claim that I can dispute the claim online which I did XXXX  times. TSI didn't provide any email confirmation or any other way of confirming that they received the dispute. Hence, they can always claim that they never heard back from my and claim that the charge is accurate which is far from true and a practice of criminals. 

transworld systems Inc dispute form allows only uptoXXXX character which is criminally low and didn't allow me to tell my side of the story, or defend myself. 

transworld systems Inc never responded back to my disputes and never provided any evidence of the charge. 

Reference TSI Number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Self Financial Inc.
State: NC
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:
15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: EQUIFAX, INC.
State: VA
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:
FRCA Violation: address not mine XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX


FCRA Violation: credit card never late XXXX XXXX XXXX XXXX  
FCRA Violation: credit card never late XXXX XXXX XXXX XXXX

FCRA Violation: credit card not mine XXXX XXXX  
FCRA Violation: student loans never late
XXXX XXXX

FCRA violation: collection not mine
Original creditor XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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, XXXX XXXX XXXX XXXX, have been a victim of identity theft. I have attached my FTC report listing all of the inquiries I have been affected by due to the Louisiana Data Breach and being a victim of identity theft. I have no accounts with the companies listed below. 

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 2018-08-30
Company: Financial Data Systems
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RE : Account : # XXXX After formally disputing the collection account referenced above ( that does not belong to me ) with Financial Data Systems & the credit bureaus, I filed a complaint with the Attorney Generals Office against the debt collection. The correspondence from Financial Data Systems, dated XX/XX/XXXX, to the Attorney General office  stated that they had enclosed information in regards to what they sent me & attached a copy of the financial agreement form dated from the alleged time of service, XX/XX/XXXX XXXX, however I did not sign that agreement & the Signature of Patient section is completely blank, no one signed it- including the alleged witness! 
The company continues to claim that the collection account is valid & my responsibility, however it is impossible to validate any account if the financial agreement is NOT signed by the patient/consumer ( or anyone for that matter ). 
There is no legally binding contractual obligation verifying I am the one responsible for the alleged amount owed ( {$410.00} ).

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 2023-03-08
Company: Waypoint Resource Group, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have no business with Receivables Performance. I called their company on XX/XX/XXXX, at XXXX, after receiving and alert from XXXX of the collection account, to inquire about the debt. I asked for them to send me verification of the debt, to include copies of the phone bills from XXXX, and their right to collect on the debt. The agent, a woman, who answered the call, informed me that her company did not have any information on the debt and could not provide me with anything i asked for. When she stated this, I asked how could Receivable verify the validity of a debt they were collecting on. The agent informed me to get what i needed from XXXX. I hung up and contacted XXXX. 
When i called XXXX, i was informed that, because i did not have a PIN, they could not mail be copies of my phone bill, despite having my current address on file ( they verified my address and phone number during the call ). The agent informed me to go into my local XXXX store with an ID to get copes of the phone bills that i was requesting. 

I do not live near a XXXX store. Furthermore, in XXXX, XXXX mailed me a phone bill. It was the last and ONLY phone bill has XXXX mailed. I have repeatedly requested, prior to my account going to collections, XXXX send me copies of what they are charging me for. 

In XXXX of XXXX, i left XXXX and went to XXXX XXXX XXXX. My number was ported from XXXX on XX/XX/XXXX. When i left XXXX, i spoke to an agent and asked what i would be charge. I was told my final bill would only include the amount for the XXXX XXXX XXXX in the amount of {$150.00} and that i would receive a bill for that. I never received a bill. I paid XXXX for my last bill, and had a balance due, prior to my leaving, of {$0.00}. 

When i left XXXX, i do believe they were still charging me for the watch line, even though the watch phone line did not work seperate ( an issues as to why i left to begin with ). That line was just assigned to the watch.

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 2020-09-16
Company: Commonwealth Financial Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I discovered that I had several very old medical bills sent to collection on my credit report earlier in the year ( XX/XX/XXXX ). I reached out to the collection agency to settle the debts. I made arrangements to pay for all 4 outstanding invoices and promptly paid the amounts. I was told that my debts were paid IN FULL and my credit report would be appropriatly updated. The following month ( XX/XX/XXXX ), another bill appeared on my credit report for the same amount previously paid ( this is the 3rd time a charge for {$760.00} was reported, I had already paid two bills both for {$760.00} ). I called the collection agency again ( XX/XX/XXXX ). And they said that the additional bill was added because they were only allowed to post 4 bills at a time. This did not sound right to me, I couldn't understand why another bill would suddenly appear when I was told the month before that all bills were paid in full. I paid 5th bill, reluctantly, becuase I wanted to have my credit repaired. Now, several months have passed, and after 6 months and after paying the 5th invoice totaling over {$2000.00}, another bill for {$620.00} which was also the same amount previously paid in the first 4 invoices, suddenly appeared AGAIN on all 3 credit bureaus. One credit report, XXXX shows 2 bills both for {$620.00}. When I called the collection agency again on XX/XX/XXXX, they said that these bills just arrived, yet they are dated XX/XX/XXXX & XX/XX/XXXX. I said how can bills suddenly appear from 6-7 years ago when I was told all were paid in full a few months ago? Also, the original debt holder, XXXX XXXX XXXX XXXX XXXX, is now I believe a closed operation. So how can they have sent over 2 bills over 6-7 years old when they're not even in operation? I saw hundreds of complaints online about this very same thing for both Commonwealth Financial and XXXX XXXX XXXX. Commonwealth gave me account numbers for these 2 bills that do not relate at all to the previous account numbers and I received letters of deletion for the 5 invoices I have already paid, but most letters do not make sense and just show zero due. 
I am convinced there is fraud occuring here as I do not recall having so many outsanding medical bills especially since I did have insurance during the dates of these invoices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: WELLS FARGO & COMPANY
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:
Four times Wells Fargo Auto has given me 30 days delinquencies when I was NEVER late once. Each time I had to go through a two month process until they corrected each one. 
Latest was I spoke to them was XX/XX/XXXX about a payment due of XX/XX/XXXX. They said I did not owe anything for the XX/XX/XXXX bill. They said going forward to the XX/XX/XXXX bill, all I needed to do was final payment on loan. I asked to pay it off anyway XX/XX/XXXX to keep it in the XX/XX/XXXX invoice 30 day cycle. My payment was taken over the phone and I saw it was taken out of my account following day as normal. 
A couple days later I received alerts that I had been reported as late! Not only had I made the payment timely, but I had been told by TWO different people that I did not even have one due!! 
When I called to inquire about this twice, I was just told that no one could figure it out and it would have to go to a dispute again, which takes two months and I am not even allowed to talk to anyone in the credit department. 
If this happened once, maybe it is an accident, but four separate times?? They do not care that this lowers my score about 50 points each time it happens.

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 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have notice there was an unauthorized account reported on my consumer report. I have reach out to XXXX and also reached out to TransUnion about my concerns about the following account which is XXXX XXXX Your agency has furnished this account that is Identity theft after I have contacted your agency about this matter according to FCRA I am entitled to monetary compensation 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 over 30 days and you are in VIOLATION of this law because I am a victim of identity theft Please delete these items IMMEDIATELY.

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 2021-05-22
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Have a freeze on all three credit companies. Having major problems with Equifax. Called company to remove freeze as credit is being pulled once more for home closing in three days. To say that this has been an unbelievably frustrating experience is an understatement. I try to login to my on-line account to do this without calling and waiting on hold. I enter my account info and a message pops up that I don't have an account ( I do ). Then I start the process to start a new account as Equifax 's website instructs. I enter all info again and it tells me that I already have an account. I am stuck in this circular, never ending cycle. I then call Equifax 's 800 # and speak to a rep. The rep tells me that the account is reset and to wait 24 hrs to log in. I wait a few days and try to log in using the link they sent to my email and the same circular, never ending cycle repeats. Used different computers, different browsers, cleared cookies, etc. Over the last two years, I've gone through this amazingly frustrating experience process 4 times. Today I tried to lift the freeze again for my home closing and had to call the 800 # ( could not log in on-line ). I've called 6 times today, spent a few hours going through security questions on the phone several times. The call always ends the same " Unfortunately our representatives won't be able to help you, you must mail/fax additional information. '' This is a predatory practice in MHO that forces consumers to purchase a monthly subscription to Equifax 's credit freeze service. A quick search on-line brings up an enormous amount of similar complaints against Equifax and their business ( or lack of ) practices.

Company response to consumer: Closed with explanation