BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
USAA will not follow my instruction to change location of direct deposit of my $ XXXXmonth lifetime annuity. 
I filled out the required form and sent it two months ago to the USAA address on this complaint.

I have called USAA multiple times and been put on holds for a long times, being transferred from Department to Department and nothing gets done. This is a repeat experience what I experience with USAA one year ago. I would gladly transfer my USAA lifetime annuity to another financial institution if USAA would set me free!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Pacific Rim Alliance Corporation
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dates are incorrect. This is a old collection. I had no knowledge of. It shouldve been paid through bank. I havent used this company in the past years. Got removed from 1 collection bereau company but not this one.

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 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-29
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 had a home loan with XXXX XXXX  XXXX back in XXXX, my loan was transferred to XXXX in XXXX of XXXX. XXXX XXXX XXXX shows closed on XX/XX/XXXX. But over 7 years has pass, and they will not remove from my credit reports. The loan, never was late, I did the make a home affordable plan 2 times. And was approved both times, but I did continue to make my payments. I JUST WANT XXXX XXXXXXXX XXXX OFF MY REPORTS, I HATE THAT BANK.

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 2023-06-13
Company: EQUIFAX, INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hi, I have a collection by the name of XXXX XXXX XXXX. I dont recall giving my information to them. Can you investigate and also send me information and break down to this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: ALLY FINANCIAL INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
My car was a total lost do to a drunk driver. I had gap insurance which covered the lost. I called the gap insurer and they stayed based on the information they had I should get a refund. I spoke with a customer service representative at Ally financial..he first told me he saw few late fees but could not go into detail about the account because another department was handling the total lost. I spoke to a rep in the total lost department but they told me I would have to speak back to customer service about the fees and late charges. Ally says I owe them XXXX. I should be getting a refund but they made up some fees.

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 2021-10-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This is regarding Esperian 's completely non-existent customer service. 

On XX/XX/XXXX I received a postcard from XXXX XXXX asking me to confirm a change of address request for my Everyday Checking account and Platinum Debit Card. 

On XX/XX/XXXX I called them to let them know I don't have and have never had a XXXX XXXX account or credit card. They let me know that someone recently opened online those accounts using my name, address, and social security number. ( I'm waiting for a letter confirming they've taken care of closing them and that I'm not responsible. ) On XX/XX/XXXX I did some research about what to do to protect myself now that I knew someone was using my info. I learned I should immediately put a one year fraud alert on my credit report as well as a freeze on my credit reports. The fraud alert only has to be done once, but the freeze must be done individually at all three companies. 

I had no problems with XXXX and XXXX. I was able to go to their websites and open a free account and take care of the fraud alert and credit report freeze. 

Experian was very different! It would not work when I tried those tasks and/or open a free account. After filling everything out it would say it's unable to do it and it showed turning gear wheels showing something was wrong. I tried another server to see if that made a difference. It didn't. I was unable to do anything. 

According to their website it was during business hours and I should have been able to talk with somebody, so I called. WHAT A NIGHTMARE! No matter what I did I just kept getting looped back to the same menu options! I tried every possible option multiple times! It was absolutely impossible to get to a real person! Because I wasn't a paying member, I had no account number to enter. That may be why they designed their phone system so that I could not talk with a person or get any other help. INCREDIBLY FRUSTRATING AND NOT THE CONSUMER PROTECTION OR HELP THEY SHOULD BE PROVIDING! 

Since you are the agency that oversees them I thought you should know and hope you are abler to get them to change these abusive practices.

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 2023-09-15
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: GA
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 sent information to XXXX, Experian and XXXX about accounts that were on my credit report as a result of identity theft. I sent them the accounts that were opened as a result of identity theft along with a identity theft complaint from the federal trade commission and they responded with a letter stating that the information was verified. They did not state or send the documented proof of any investigation or that i opened any account that i stated did not belong to 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
Consumer complaint received 2023-09-27
Company: Absolute Resolutions Corp.
State: TX
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:
This debt collection agency has engaged in practices that are explicitly prohibited by the FDCPA, which include abusive, deceptive, and unfair actions. They have reported an account that I did not agree to nor sign any agreement for. A legal contract necessitates the agreement of two parties, and I had no involvement in any such agreement. Moreover, they failed to follow the proper five-step validation procedure, further highlighting these unfair practices. Additionally, the " date last active '' is different from what another credit bureau is reporting, despite the requirement for all information to be comprehensive and accurate. I also have uncertainties regarding whether I ever held an account with the original creditor. Notably, I received no correspondence notifying me that this account was sold to ABSOLUTE RESOLUTIONS, constituting another violation. It's important to note that my personal information was compromised in a data breach, information that your company, along with the credit bureaus, would have been aware of had an investigation been conducted. Furthermore, I received no communication by mail leading up to the reporting of this collection account. This account was added to my records in XX/XX/2023. Consequently, I am formally requesting a copy of the correspondence that was supposedly mailed to me during that time, informing me of this debt with your company. Failure to provide this documentation would constitute yet another violation under the FDCPA, which entitles me to seek {$1000.00} per violation. If this account is not removed within 15 days, I will have no choice but to involve my legal attorney to address this matter through small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2023-08-10
Company: ENCORE CAPITAL GROUP 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:
After reviewing my credit report, i noticed discrepancies listed under the following names ; XXXX Collections XXXX and XXXX XXXX  XXXX. These account i do not recognize and were asked to be validated properly, which wasn't. They are still reflecting on all XXXX credit report and is still negatively affecting me. I do not believe the account belongs to me or the collection company has authorization to atempt to collect on the account. Please strike and remove these collections from all XXXX credit bureaus. 
15 USC 168 section 604 ; StaXXXX right to consumers privacy- reporting agency can not furnish an account without MY written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: IL
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:
Over the last few months I have reviewed my credit report and noticed several accounts reporting to my consumer report that I do not recognize. Ive reached out to the 3 credit bureaus more than twice and have not gotten any answers, results, or information provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
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: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: Resurgent Capital Services L.P.
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:
I did not get verbal or Written consent to place any credit reports on my credit. I also tried to resolve this matter by contacting each creditor but they fail to comply with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, 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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09
Company: EQUIFAX, INC.
State: CA
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:
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 Amount {$7300.00} Account name : XXXX XXXX # XXXX Amount {$2400.00} Account name : XXXX XXXX # XXXX Amount {$3500.00} Account name : XXXX XXXX XXXX # XXXX Amount {$11000.00}, 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 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 non-monetary relief
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

540

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Key 2 Recovery, Inc.
State: WA
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 a follow up to CFPB complaints XXXX and XXXX regarding debt collector Key2Recovery where its representative states : " ... someone stole her identity they would first have to construct erroneous high school transcripts, fraudulently take the XXXX exam using someone elses { sic ] name, apply to the institution of higher education ( XXXX XXXX XXXX in this instance ) in the hopes of being accepted. If accepted, they would then have to enroll for classes and pay the tuition and fees and attend classes all with the questionable intention of obtaining a diploma in someone elses [ sic ] name to secure gainful employment as another person ... '' 1. Clearly, this statement indicates the company did indeed act as an authorized third party and initiated contact with someone at XXXX XXXX XXXX to gain access to personal records with neither my knowledge nor my consent in violation of Fair Debt Collection Practices Act 15 USC 1692c 805. Communication in connection with debt collection : " ... a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. '' 2. Moreover, the address and personal information on all correspondence from the debt collector came directly from government documents from XXXX XXXX XXXX, which is protected by the Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. 

3. Finally, I am a current respondent in the ongoing 2017 Equifax Data Breach Settlement where my credit information is currently monitored. It is very irresponsible for a creditor to mock or otherwise dismiss the severity of data breaches that compromises one 's personal. Bottom-feeding companies, such as Key2Recovery, care only about their increasing their profit margins by any means including data breaches, identity theft, and fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation