BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-29
Company: Nevada Credico, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I filed a complaint XXXX against Quantum Collections and XXXX for refusing to remove a debt that was paid in full. With that complaint I attached two bank statements showing payments totaling {$70.00} but somehow CPFB missed to see these payments. When CFPB received the late answer from Quantum Collections they may had overlooked my bank statements. 
Im highlighting the information to make easy to see. 
Please carefully review the facts and you will see that XXXX XXXX XXXX accounting is wrong. 
As per XXXX  statement provided by Quantum I was responsible for {$70.00} that were paid in 3 payments as follow : XXXX XX/XX/XXXX {$20.00} Paid by debit card at the office on the day of service see XX/XX/XXXX statement - attached Payment posted on XX/XX/XXXX. 
Also, you will see that XXXX XXXX XXXX is not showing the {$20.00} co-payment received on XX/XX/XXXX on the statement they provided to Quantum Collections. Why not? 

** XX/XX/XXXX {$30.00} Paid by debit card at the office see XX/XX/XXXX statement Attached Payment posted XX/XX/XXXX. 
** XX/XX/XXXX {$20.00} Paid by debit card at the office See XX/XX/XXXX statement Attached Payment posted XX/XX/XXXX. 
The total amount paid by XX/XX/XXXX was {$70.00} way before Quantum Collection acquired the invalid debt from XXXX XXXX XXXX. There should no collection fees since debt was paid in full before Quantum Collections acquired the invalid debt. 
I always disputed this bill with XXXX XXXX XXXX because their accounting is wrong, but all got is we need to call the office to verify that you made the payments and they would never get back to me. XXXX XXXX XXXX billing office is located at a different location. 
After reviewing these documents, you will see that XXXX XXXX XXXX omitted a payment received on XX/XX/XXXX for the amount of {$20.00}, simple they sold a useless bill to Quantum Collections and Quantum Collections is playing the part of ignoring to the fact so that they can recover what they paid for this invalid debt. 
Dear CFPB please review all documents summited by both party and you will see that Quantum Collection billing is wrong and invalid. 
Simply, debt was paid in full.

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 2019-05-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
When I try to log into my USAA accounts I receive the following message : " Due to past difficulties, we can no longer offer you access to usaa.com. If you feel that we have restricted your access in error, please call toll-free XXXX. '' I have been a USAA member since I enlisted in the military more than a decade ago. I was an intern at USAA for two summers as a college student and have always been proud to be a part of the company. I don't make any illegal transfers or even questionable purchases. I really have no idea what " past difficulties '' means. 

I've called them and spoke to half a dozen representatives and no one can tell me why I can not access my accounts. My military direct deposit goes into my USAA account. How am I expected to pay my bills for XX/XX/XXXX? 

I know this is some horrible mistake ( my name is fairly common and I could see a mistake happening ), but I am frustrated at the lack of transparency and progress. This ordeal will have adverse actions on my family 's financial situation. I truly hope this doesn't happen to more members.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
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: Account status incorrect

Complaint:
I HAVE ENROLLED INTO THE FORBEARANCE PLAN DUE TO THE CURRENT PANDEMIA SITUATION. THE AGREEMENT SPECIFIES THAT THE MONTHS OF XXXX, XXXX AND XXXX WILL NOT BE REPORTED DELINQUENT. 
XXXX XXXX XXXX XXXX MORTGAGE  FAILED AND REPORTED ALL THESE MONTHS LATE AND PLAN ON DOING THE SAME FOR THE FOLLOWING MONTHS ( XXXX ) AND THEY CLEARLY SAID I WILL BE ENROLLED AND BE HELPED BECAUSE OF COVID-19. 
THIS IS AFFECTING MY HEALTH IMMENSELY, SO XXXX, SO MUCH FRUSTRATION, I WANT TO 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 2023-05-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 explanation
Consumer complaint received 2017-12-23
Company: Experian Information Solutions 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:
Stolen identity someone opened credit cards accounts using my identity Open accounts XXXX XXXX XXXX XXXX Amount XXXX dollars XXXX XXXX XXXX XXXX Amount XXXX dollars XXXX XXXX XXXX XXXX Amount XXXX dollars XXXX XXXX XXXX XXXX XXXX XXXX Amount XXXX dollars XXXX XXXX XXXX XXXX XXXX XXXX Amount XXXX Total value XXXX Closed accounts 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 2020-10-23
Company: EQUIFAX, INC.
State: IL
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:
The credit bureaus are still reporting inaccurate items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: Experian Information Solutions Inc.
State: NE
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:
Experian is not taking this XXXX seriously. On my times and she is ignoring me about my credit score abs not to delete everything off completely of my address , inquires, collections department they are holding and lying 35 XXXX  times. I have to then to court pretty soon.  People can't fix my XXXX sincXX/XX/XXXX, or on my XXXX times . Off now. And the XXXX date to where I cant see it no more on my XXXX phone XXXX as well. .

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 2020-08-31
Company: Experian Information Solutions Inc.
State: WA
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:
XX/XX/2020 I contacted Experian about a ( closed paid in full ) charge off account I had with XXXX XXXX XXXX. Two weeks prior I filed a dispute with Experian about inaccurate information on my credit report. Experian did an investigation, which resulted in an update on my report about said account ( the update Impacted my credit negatively and was inaccurate ). I have been in close contact with XXXX XXXX XXXX XXXX original creditor ) about this issue and they informed me via phone and a professional email that they provided Experian with the correct information regarding my dispute. Experian is inaccurately reporting, negative charge off/derogatory monthly non-payments for ( XX/XX/2020 and XX/XX/2020 ) This is impossible, since the account has already been paid in full as agreed on XX/XX/2020. I have exhausted every option trying to rectify this situation with Experian. They have yet to fix this issue. The FCRA states that all information on an individuals report must be accurate and true, void of any inaccuracies. I have sent Experian documentation of my correspondence with XXXX XXXX XXXX and informed Experian several times that they are reporting inaccurate information on my report. They have done nothing. I pay for an Experian membership, and I yield to the laws governing fair and accurate credit reporting. This has affected my livelihood and my children, as I depend on my credit to sustain us through this pandemic. I cant now because Experian is deliberately avoiding and following the laws of the Fair Credit Reporting Act and its laws, and not fixing or removing the incorrect/inaccurate information on my credit report, after several attempts at making this issues known to them.

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 2020-10-23
Company: Shellpoint Partners, LLC
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: Account information incorrect

Complaint:
I always kept the mortgage paid months in advance. We had the home up for sell and had a contract for it so I did not pay the payment in the month of XXXX as the invoice showed XXXX due XX/XX/20 anyway. When the house did not close in XXXX, I then paid a payment in XXXX for the bill due XXXX and then paid another payment in XXXX. The account was current and showed the next payment due on XXXX when the house sold and closed on XX/XX/20 and the loan was paid in full. 
At no time was this houses payment in arrears as evidenced by the statements which I have attached. 
When the lender reported it to the 3 bureaus for both myself and my spouse they showed it in arrears for as much as 89 days from XXXX to XXXX and ruined our perfect credit. They dropped our scores over 74 points on all bureaus. 

Company is NewRez LLC but they report as Shellpoint Mortgage to the bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: Experian Information Solutions Inc.
State: IL
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:
The credit bureaus are still reporting inaccurate items on my credit report.

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 2019-02-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I have two bills I have been paying on through portfolio recovery. I spoke with a rep a few months ago and told her I didn't want to receive any notices through mail and wanted email only. She said ok, and all correspondence would be sent through email. I continued to receive mail. I spoke with someone else who wanted to know why I didn't want mail. Through online chat, I spoke with someone who was quite rude and said they had to mail me correspondence per law. However, according to their own website, I can opt in to get electronic correspondence. I have contacted them multiple times stating I wanted electronic correspondence. They never responded to my emails and I am still getting mail after explicitly telling them I did not want mail. 

This has caused me severe mental stress, as everytime the notice is received via mail, my spouse is reminded of my short comings and causes strife in our house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-27
Company: EQUIFAX, INC.
State: VA
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: Problem getting your free annual credit report

Complaint:
The last three times I tried to get my free annual credit report from Equifax, my progress was halted with the message, " Online Delivery Unavailable. We are not able to deliver your free Equifax Annual Credit Report  online. '' I wrote an e-mail to them a little over a year ago, and the response e-mail said that I had written to the wrong department, but *without* telling me whom I should actually direct my e-mail to! 

I just tried again, tonight, to get my credit score, but the problem persists. A quick XXXX search of the error message suggests that the error I received is a very common problem, which Equifax apparently can not be bothered to fix. 

Note that I have had no problems receiving my credit report from XXXX and XXXX  ; only Equifax is broken.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, FL XXXX ) has been reporting on my credit report as a collection notice in the amount of ( {$320.00} ). This collection has been reported as a unpaid balance in collections. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. Collections is not from original creditor. I do not owe Enhanced Recovery Co L ( account # XXXX ) for the amount of {$320.00} I never heard of ( Enhanced Recovery Co L. ) I never did a contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: EQUIFAX, INC.
State: LA
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:
Hello, I have contacted companies on my credit report that you ( XXXX equifax, XXXX ) has said to say the debt was validated. Well within one day of filling a complaint with XXXX XXXX its ironic they closed the account. Per FCRA you as credit reporting agencies should really investigate and make sure when they send you these automatic validations claiming that they are in deed a consumes debt that in deed they are valid, Like for instance a contract, drivers license and a signature. Its frustrating because me as the consumer has been through XXXX and back with XXXX just to say, they have said they validated everything when in fact have not. I have sent the same disput letter as I have to XXXX and equifax when they investigated they removed and corrected debts not owed by me. XXXX  you did nothing but send me a credit report and said from findings in previous months its the same meaning you didnt even try the second time to investigate!!!! I wrote a complaint on consumer finance.gov where you stated again that you investigated and these alleged debts were mines. Well here is proof you didnt. Please delete XXXX XXXX from my file as there are many more to come your way XXXX Thanks equifax and XXXX for doing your job and please delete XXXX XXXX from your files as well. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-17
Company: Experian Information Solutions Inc.
State: IN
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:
The credit bureaus continue to report inaccurate accounts on my credit report after I disputed them accurately. Im attaching all the info with this compliant so they can stop illegally reporting inaccurate info

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 2020-08-31
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a new checking account with hsbc bank on XX/XX/XXXX using a promotion link that offered me a XXXX welcome bonus if I met the criteria in the offer. I met all the criteria but was never paid. Contacted them via message in their app on XXXX, received a response just restating the promotion details. 
XX/XX/XXXX received another message after inquiring again stating they were sending it to promotions team for review. 
XX/XX/XXXX received another email from promotion stating I didnt apply thru the right link. 
XX/XX/XXXX they restated the same message but asked me to provide more details. 
I couldn't upload documents using this system so I called on XX/XX/XXXX and spoke to XXXX employee # XXXX. He escalated the case and promised me a call back by within 5 days. No call back so I called back spoke to XXXX on XX/XX/XXXX. She promised me a call back on XX/XX/XXXX and never did. I called again on XX/XX/XXXX, spoke to XXXX # XXXX, she said XXXX would call me back within 5 min he never did. I can't continue calling and getting nowhere with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have set up my Costco Citi Visa to take from a checking account, an auto payment of the minimum payment due if I have not paid the minimum payment by the due date. This agreement between Citi and I was made on XX/XX/XXXX after I had not received a bill in time to pay it without incurring late fees. 

Today, XX/XX/XXXX, I discovered that Citi is taking a " minimum payment due '' even though there is no minimum payment due. They told me it was what their system does when I have current charges on my account. In other words, they are taking a " minimum payment due '' from charges that are not yet due. They are taking my money when they have no right to it! 

On XX/XX/XXXX I made a payment of {$290.00} ( due XX/XX/XXXX ) leaving a balance of {$0.00}. On XX/XX/XXXX I charged {$79.00} ( due XX/XX/XXXX ) leaving a balance of {$79.00}. On XX/XX/XXXX Citi took a automatic " minimum payment due '' of {$35.00} when there was no minimum paymet due. There is no payment due until XX/XX/XXXX. 

I believe their taking {$35.00} on XX/XX/XXXX is illegal and most definitely not what I agreed to.

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 2021-01-25
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Please help me have no where else to turn, I am totally lost. I am a single mother of XXXX, lost my job due to covid-19, for XXXX  I ordered my kids toys from XXXX, XXXX  came and went toys never arrived did not have money to replace toys, told my kids due to covid XXXX was running late with toys, so we waited. When I saw nothing was happening I decide to get my money back from XXXX. This is where citi bank comes to play, step by step I told my XXXX XXXX XXXX, ( FIRST MISTAKE ) THEY ANSWERED AND SAID XXXX, I explained what happen, he said yes they had alot of problems with mail DUE TO COVID19, so they where giving back the money, but you must download this app called QUICK SUPPORT AND DO NOT TOUCH MY CELL HE IDENTIFIED MY PHONE HAS AN XXXX, AND LIKE A GHOST HE WAS ABLE TO MOVE ALL KEYS ON MY CELL, HE STOLE XXXX LEAVING XXXX BALANCE, THIS ACCOUNT IS A SSI ACCT. FOR MY DAUGHTER I WAS JUST THE PAYEE SHE IS XXXX, GOD BLESS ME WITH A FOREVER BABY, HER NAME IS XXXX THE ONLY REASON THERE WAS SO MUCH MONEY IN THAT ACCT. IS BECAUSE UNFORTUNATELY THE XXXX STIMULUS WAS IN ACCOUNT, WHEN THEY STOLE THIS MONEY THEY STOLE ALL WE HAD, NOTHING TO EAT, NO MILK NO EGGS NOTHING, I DID ALL I WAS TOLD TO DO, OPENED NEW ACCT. WITH A XXXX BRANCH OVER CELL, COME TO FIND THERE ARE NO CITI BANK IN THIS NEW STATE I MOVED TO IN PENNSYLVANIA, I SOON I GOT OF PHONE WITH THE THEIVE I CALL BANK IMMEDIATELY SECONDS, WENT TO MY EMAIL AND RESPONDED IMMEDIATELY TO YOUR FRAUD ALERT, I HAVE NOTHING PLEASE HELP ME I FEEL SO LOST NO WHERE TO TURN, I CALLED BANK TO SPEAK TO FRAUD DEPT. AND THEY SAID IT WAS DENY, XXXX DOLLARS IS LIKE A XXXX TO US.CAN YOU PLEASE LOOK IN THIS CASE, THIS IS A DISSABLITY ACCT. I BEG YOU I HAVE NOONE IN THIS STATE I DONT EVEN HAVE A JOB NOW, WE NEED THIS MONEY TO SURVIVE. THANK YOU, GOD BLESS STAY HEALTHY AND THANK YOU FOR READING THIS. PLEASE LOOK AT ACCT. DESPERATE MOTHER, XXXX XXXX XXXX FOR XXXX XXXX XXXX MY CELL 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