BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX approximately XXXX my hotel room door was kicked in and I was assaulted. My Laptop, cell phone and wallet was taken. The XXXX XXXX was called and they took a crime report # XXXX. I tried to report my Credit & Debit cards as stolen to the bank USAA but they did not open until XXXX. So at XXXX XXXX I reported both cards as stolen and gave them the crime number but they did not seem interested in it. I have been calling for oveXXXX XXXX  months demanding my XXXX back. I informed them they only had 45 days to investigate. They just don't seem to give a XXXX that I'm a XXXX XXXX XXXX Vet who is on XXXX  XXXX from XXXX  and XXXX  and XXXX XXXX. I receive only XXXX XXXX a month and can barely pay for my meds, eat and bills. I have escalallted this all they way the the CEO level agent, but to date my account is NSF and my family, cant even send me money as these charges will eat them up. On XXXX My Checking and Credit card were in perfect standing. Now USAA has Embezzled my money. I entrusted my money in their care, they refused to give it back and they have made money off my money. I dont give a XXXX if its .0001 % on their scale. When I was a XXXX  I arrested people for these charges. I want my money back and accounts placed the way they were. The moment I reported the crime, my liabilited stopped at XXXX XXXX  on the XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: EQUIFAX, INC.
State: NY
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 XXXXXXXX XXXX account # XXXX has violated my rights 15 USC 1681 section 602 A states I have the right to privacy 1681 section 604 a Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Hello ConsumerFinance Team, I have recently Logged into AMerican express and saw that i am pre- approved for Amex XXXX XXXX with XXXX bonus points if i spend {$2000.00} in 3 months as part of Promotion. To Confirm whether i am approved or not i called in American Express Customer Services and spoke to the operator and she confirmed that i am qualified. After i applied i am approved and received the card and to activate i have called customer service again and got shocked by them mentioning that i only get XXXX not XXXX if i spend $ XXXX and i opened a investigation. After the investigation is Finished they never called me and never notified me the status of investigation. Finally i called Amex on XX/XX/2019 and shocked again because they said i am not qualified to get the atleast XXXX bonus points. I Reached to multiple people and they did nothing i have all the email and I feel Amex has all the recordings i would like to open a complaint againt Amex on misleading info and even when i reach multiple times they did nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-14
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have absolutely NEVER been late with Navient ; however, I had just in the past few weeks noticed my loans appearing late for the year 2012 on my credit reports! I called and STILL call Navient all the time, well before time for any deadlines and was NEVER NOTIFIED of any late status ( even though it would've been inaccurate ANYWAY ). I would ALWAYS call Navient well before deadlines to submit paperwork for deferments and forebearances after I graduated. I even called Sallie Mae all the time BEFORE they became Navient -- and even heard about them becoming Navient before many others did BECAUSE of it. THAT'S JUST HOW MUCH I CALL. Yet, when I called them in recent weeks, the robotic reps ( look up the calls ) kept repeating to me that I was late in 2012 and claiming that they were constantly calling me to no avail in 2012. LIES! Furthermore, please tell me why at any point when I was getting deferments and forebearances was I never granted a POSITIVE RETROGRADE? That's USUALLY what normal companies do when people are calling them repeatedly in the event that there's actually negative info reporting! I was NEVER told of negative info, was ALWAYS told " everything is fine '', " you're good '' EACH TIME I CALLED. None of the reps listened to me when I called recently. I have made it my business to stay on TOP of my business with them, yet they STILL did me wrong and has this FALSE, INVALID info reporting in my credit files, affecting my ability to move forward financially. According to consumer law, Navient is supposed to provide verifiable proof to me that I was late by providing bank statements showing late payments. XXXX even went as far to delete many of the negative accounts because Navient didn't even verify them! All of the accounts still reporting invalid, incorrect negative info for 2012 need to be UPDATED TO POSITIVE with the credit bureaus. Please expedite this dispute!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I am a XXXX on XXXX XXXX. I utilized my XXXX mo loan payment deferral benefits with XXXX mortgage starting XXXX XX/XX/2022. I submitted my XXXX XXXX orders and a written request. When I called the mortgage company several times, I was told that I was ok to go ahead and proceed with deferral. The website did not reflect any changes and looked like I was delinquent. I started calling to attempt to make XXXX payment, which is 5 months of deferral. I had a feeling that it was not registering right. The customer service department is not helping me and my husband and is very disorganized. It is now XXXX, I am trying to make payment and I am being hung up on. The customer service has turned into collections department. There is severe misunderstanding and miscommunication within United Wholesale Mortgage XXXX. We need help. I do not want my credit score affected. I also see now that XXXX has taken one of my last payments and applied it to their Mortgage insurance. I am worried there will be confusion and our house will be affected erroneously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 submitted a complaint to CFPB on XX/XX/2022 about Bank of America reporting credit history to 3 consumer reporting agencies ( XXXX, XXXX, and XXXX ). Once again Bank of America responded back not addressing the issue. I clearly stated Bank of America was in violation of 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;, In simple terms, Bank of America is not suppose to report late payments to consumer reporting agencies ( late payments ). Bank of America has reported transactions and experiences with Consumer reporting agencies. Every time Bank of America receives this complaint, they send over the same documentation that they sent before. Bank of America needs to explain to me why they are reporting transactions and experiences to the consumer reporting agencies regarding this account. Clearly this is a violation. Bank of America needs to show me the law where they are required to report transactions and experiences between the consumer and the corporation ( BANK OF AMERICA ). I would also like to see how they investigate this matter, including facts that were found and laws stating what they are required to do by law when it comes to reporting to the consumer reporting agencies. Please do not send another resolution letter stating here 's our response with no laws to supporting your response.

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 2023-10-19
Company: EQUIFAX, INC.
State: CA
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 Account # 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 XXXX XXXX XXXX I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Per the attached document from XXXX confirming that they have REMOVED the bankruptcies from their file because they could no longer verify the information as accurate. 

Therefore, please update your files accordingly. 

Regards, XXXX XXXX SS # 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 2023-10-19
Company: EQUIFAX, INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX 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 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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 2021-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$280.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT XXXX.XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$280.00} -This is not my account.

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 2018-04-01
Company: National Credit Systems,Inc.
State: TX
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:
XXXX XXXX XXXX  has totally let the breach of XXXX totally cra violation and ftc XXXX  my report up enclosed are the violatons XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - - XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX XXXX  NATIONAL CREDIT SYSTEM XXXX XXXX XXXX XXXX XX/XX/XXXX{$3000.00} {$3000.00} XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$750.00} {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof for the creditor bank account that I didnt pay and was marked late because this is clearly a billing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: EQUIFAX, INC.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have called and tried to make the changes to my credit reports by XXXX XXXX equifax and XXXX. Over and over an over again. I have tried to make the changes online myself as well. Many times. I have not once spoken with anyone who even has a credit score or social security number themselves. I have been told over and over and over again that all my personal information on my credit reports has been changed to the information I have provided. I have been told that all the false and inaccurate information on my reports is not even on my reports. When I am looking at the information with my own eyes online. While I am on the phone with the service agents. They just tell me that they have done what I asked them to do. But in fact nothing at all changes from the false information on my reports to the accurate information I give them over the phone. Its as if they are taking my information and using it to change my reports to whatever they want to add. This sounds ridiculous but it is in fact 100 % true.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: MI
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 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 non-monetary relief
Consumer complaint received 2022-10-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, and I am submitting this CFPB complaint to request to the Credit reporting Agencies to remove the disputed accounts completely from my Credit File. I sent a letter requesting that the Credit Reporting Agencies reinvestigate the disputed accounts from my credit report as well as remove from my report during the investigation period. As of this date, the Credit Reporting Agencies have failed to respond to my request. Again, please reinvestigate if the following accounts that are inaccurate, incomplete and outdated : XXXX XXXX Balance Owed : {$0.00} This account was already deleted from the other Credit Bureaus and XXXX Credit Bureau have no rights to continue reporting this account. According to FCRA, Credit Reporting must be accurate. I need XXXX to remove this account immediately. 
XXXX XXXX XXXX XXXX : {$0.00} Please provide documentation that the following account belongs on my credit report and that my rights have not been abrogated. Otherwise please delete this damaging data immediately. The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law.

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