BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My name is XXXX XXXX XXXX Social Security XXXX XXXX. On XXXX XXXX, XXXX we received a call from USAA Fraud Department regarding deposits on my checking account ( account number XXXX ). I had applied for a loan on line that I thought was from eloans, but apparently it was not. Some how they made deposits with personal check from closed accounts and accounts with insufficient funds. 

The bank thought I had made these deposits which I did not however, it has caused us a multitude of problems. Currently are checking has been placed on a credit only status starting XXXX XXXX or XXXX thru XXXX XXXX, XXXX. My Military Retirement Pay, VA XXXX and my wife 's Social Security have been direct deposited into the account, as I was not able to change those deposits before the cutoff dates. 

I have contacted USAA on several occasions trying to get some funds released as the account has approximately a {$2000.00} dollar balance ( unable to access they account for precise balance ) so I could pay our utilities before they cut them off. 

We ( my wife and I ) do n't know where to turn or what to do as the bank refuses to release any of our funds and are hoping that you could provide some help or guidance. 

Thank you for your time and any assistance that you could provide regarding this matter. 




Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On XX/XX/XXXX Capital One incorrectly reported my account status for account status ending in XXXX as 30 days late. I have tried to resolve this with capital one however they are not doing anything to take responsibility for their mistakes. I have spoken to various representatives from capital one at which point they all stated that I am in fact current for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The  documents are even posted on my online profile to verify I in fact have never been late on my account. Attached are documents from screenshots I took just moments ago. This is the United States Of America, and as a citizen I refuse to have my rights violated by Capital One under the fair credit reporting act. Im being denied credit and am suffering personal loses because of it. I have spend hours disputing this information and nothing is done but I refuse to give up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
supplemental complaint original complaint no. XXXX the teller and bank manager at XXXX XXXX XXXX. XXXX MI. XXXX acknowledge that the funds for my XX/XX/XXXX credit card payment where misappropriated and all applied to one account leaving the other card unpaid. so i was shocked and surprised to receive a call while working from the collection department aggressively telling me my accounts are delinquent after telling the collection agent to recheck there records again and going around in circles i hung up the phone later that night i discovered that where instantly cut in half someone manually went into the system and changed my credit limits i believe this collection department worker out of retaliation for me hanging up on me decided to destroy my credit profile my last credit review was XX/XX/XXXX and there has been no late or delinquent payments, so this immediate decrease was an unjustified act of terror i have 2 business accounts with this bank and two personal credit cards i believe companies are to appreciate there customers and not mistreat or abuse them this act of terror has not yet been reversed and my credit score has dropped at least 80 points

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
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:
These accounts have not provided proof and either was removed or re-inserted without notifying me.

Portfolio Recovery was an account that was removed on XXXX2017 from XXXX but both XXXX  and XXXX have not removed the account, although the creditor failed to provide proof.

XXXX XXXX has not provided any proof or account information but is reporting on my credit report. XXXX XXXX  was an account that was deleted XXXX2017 by XXXX XXXX  account but re-inserted without notifying me or proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a letter from COMMONWEALTH SYSTEMS INC stating i owe XXXX for a Medical bill. this account was on my reports before about 4 yrs ago. another Collection Agency had this account first. this account was disputed and removed. now a few a years later COMMONWEALTH FINANCIAL SYSTEMS INC is reporting the same account on my XXXX and XXXX   reports now. they purchased this account from the original collection agency, XX/XX/2019. This account is causing problems for me getting approved for a Home and  other things.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: Experian Information Solutions Inc.
State: OH
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:
All inquiries on my report from XXXX and after are unauthorized. Im not sure how these are on my report and the lenders dont know either.

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 2017-12-08
Company: Experian Information Solutions 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:
On XXXX XXXX XXXX received my request to validate debt with creditors, XXXX nor Experian provided me with supporting evidence from the companies. These items stayed on my report I also mailed a second request to them on XXXX XXXX, I had some movement with XXXX and nothing with experian.. I submitted the same letters to XXXX they removed everything but 2 items that they had the companies to send me letters that validated my debt..I must say the crazy part is that everything that was on XXXX was on XXXX and experian. The conclusion is that didnt physically validate anything for me ( XXXX nor experian )

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 2018-04-13
Company: NCB Management Services Inc.
State: MD
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:
XXXX XXXX  Circuit # XXXX All 3 Accounts was paid before being placed as judgements as well as the new law passed in XX/XX/2017, judgements should not be placed on the credit report if all the personal information is not reported. This is a violation, accounts was removed Fair Collection and Out # XXXX  Creditor has not provided any proof or contracts bearing my signature but after 2 disputes, the credit bureaus are still reporting inaccurate information. This account was removed from XXXX.

NCB Management # XXXX   Account was recently added, with terms but I have never had a contract to have terms or a payment status reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.XXXX {$110.00} XXXX {$97.00} XXXX {$100.00} XXXX {$390.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00}

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 2021-04-01
Company: CITIBANK, N.A.
State: NY
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 charged an online purchase with my Macys Card. The following month I paid the amount in full. My payment was returned to my account unbeknownst to me. 

My account therefore received a late fee and negative comments on my credit report which lowered my score 50pts. 

When I contacted customer service, they removed the fee without me even asking and I paid the amount in full. Customer service then told me to call another number and a good will removal to remove the negative comments from my credit report. When I called that number they refused to do so. I need your help to get the good will removal as I have been repairing my credit score after a divorce.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiry that is still reporting on my Credit Reports : XX/XX/XXXX-Date of Inquiry XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Flagstar Bank, N.A.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
my mortgage were transfer to a new company called Flagstar Bank on XX/XX/XXXX and I can not get any document I want from them. they always lying said i will get the document but never get any documentation. i want my mortgage to be transfer out of this company.

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 2020-10-12
Company: EQUIFAX, INC.
State: NV
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:
There are some medical debts that are listed on my credit reports that are not mine. I have provided my personal information to show that I am a real person, and that I am not a credit repair or mortgage company. Please remove these debts that are not mine. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: JPMORGAN CHASE & CO.
State: VA
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:
On XX/XX/2021, my credit card account balance was eligible for a credit balance refund in the amount of {$69.00}. I sent a secure message requesting this be refunded to me and received confirmation from this bank on XX/XX/2021, that the credit balance refund had been processed and I would receive an email within 1-2 business days with a link to claim the refund. Having not received the email, I inquired on XX/XX/2021, with this bank on the status of the refund. Since this date, they have continuously proceeded to argue with me about the status of the refund and claimed that because I have made purchases using the card, that the available refund has been absorbed by the new purchases, and, is, of course, not germane to the balance refund request, without accepting the fact that the refund request on XX/XX/2021, should have been processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/2020 I received an email from XXXX XXXX at XXXX XXXX about an unpaid balance with them> I have had problems with getting these emails before. See complains numbers XXXX and XXXX. I would like for someone to tell these people to please stop. According to the companies response I am suppose to be on the do not contact list. They are still contacting me threatening legal action, when none has been taken. There are no cases filed because I can check to see if that has happened and it has not. Please someone put a stop to this. I have a very serious medical condition that if I get to upset and agitated and my XXXX XXXX rises to a certain point and the XXXX XXXX  I will XXXX XXXX in two minutes. There is no loan number associated with this. Here is the supposed case number ; it is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, I have been working with Portfolio Recovery, they are saying I owe 3 different amounts ; {$2900.00}, {$870.00}, and {$420.00}. I have been in contact with them since XX/XX/2021, they have yet to verify the debt. They tried to take me to small claims court, but dropped the case. They keep telling me the dept is " verified '' without actually verifying it or telling me how they verified this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There is a XXXX bill on my credit file and it does not belong to me. I did not authorize this account to even be open and it was suppose to be deleted from my report. This is weighing negatively on my report and hurting my score

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 2018-04-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This complaint is against XXXX XXXX XXXX XXXX, I disputed this company online and I wrote to them, stating that I do not understand how I'm liable for a balance of {$270.00} and I don't even know who they are, I never signed a contract with them, the original creditor closed the account, I also informed XXXX XXXX XXXX XXXX that my name isn't spelled in ALL CAPITAL LETTERS ... XXXX XXXX XXXX, my name is XXXX XXXX XXXX, the same name on my drivers license, however they wrote me back and basically stated their investigation concluded their actions were correct, it's not correct, they're using my name fraudulently to say I'm responsible for a debt that I don't owe 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 2020-01-30
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently checked my credit report and saw a collection from Southwest Credit Systems, which is odd because all of my debts are paid in full or on time. I sent a dispute to XXXX  as it only appears on that report but am unclear how something can be added to my report without providing any information to me prior? As I look into the item more, I see it originated from XXXX, with whom I have current service and an up to date account. Someone at XXXX failed to turn the services off at my prior address and I have been back and forth with them about the amount outstanding, which by the way is not my responsibility as I contacted them 30 days prior to moving. There has been no other letters or communication to me regarding this alleged debt. Therefore, it is illegal to place a collection on my credit, causing me to be negatively impacted, as if this is a debt that belongs to me that I failed to pay. This is NOT my debt and needs to be removed asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27
Company: Real Time Group, Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am currently receiving collection notices from Real Time Resolutions ( RTR ). RTR has refused to fulfill many obligations and prove up the validity of the debt. Please see the primary points listed below.

1. This loan was originated in XX/XX/2006 by XXXX XXXX XXXX. Per the FDCPA law, RTR needs to prove up there rights to collect. They have not demonstrated true ownership or have disclosed the collection rights for the owner of the debt. Per the Florida Consumer Collection Practices Act ( FCCPA ), RTR is required to allow 30 days to dispute the validity of the debt based on assignment. RTR has not produced an along to the note of affidavit 2. The accounting ledgers have never been requested on many occasions and the balance of the debt has been challenged. There is no way the balance could be over XXXX, which is alleged by RTR ( exhibit A ). The most recent statements show a balance of XXXX. Per the Florida Consumer Collection Practices Act (  FCCPA ) proper accounting disclosure is required to prove up the alleged balance due. 
3. RTR has refused to complete the underwriting process to modify the alleged debt. Per CFPB law, full underwriting is required if the homeowner submits the required documentation. 
4. RTR has threatened legal action and foreclosure against me. Per the FCCPA, this action is illegal unless warranted. RTR is a Texas corporation and does not have the legal authority to execute on a foreclosure ( exhibit B ). 

Based on the points listed herein, I am seeking your assistance on this matter. You can reach me at XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I recently checked my credit reports and have noticed there has been a string of hard inquiries spanning from XX/XX/XXXX to XX/XX/XXXX. I have no idea where these inquiries have come from. Upon reaching out to the credit bureaus, I was instructed to initially contact the " request originator '' ( company who pulled my credit ). Upon doing so, I was informed by the companies that there was no record of my application. I was also told by the " request originators '' that the only course of action I had was to reach out the credit reporting agencies. I have since then, reached back out to both Equifax and XXXX  to inform them of this update, only to be met with the statement " there is nothing we can do until you call them ''. After repeated communications with the Equifax and XXXX informing them I had already spoken with the " originators '' I was left with no resolve, I have decided to contact the consumer finance division in order to gain assistance in having the erroneous hard inquiries removed from my credit profile as this is potentially effecting my employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: Stellar Recovery, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The posted derogatory credit remark for collection by Stellar Recovery Inc. is the same derogatory remark previously removed. The amount billed {$1400.00} originates from identity theft by XXXX XXXX in California used to open a XXXX XXXX account. I previously resolved and removed this derogatory remark using the CFPB complaint site. It appears that the previously resolved debt was trnsffered to another debt collection company despite the previously substantiated identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Atlas Credit Company, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
XXXX from Atlas Credit Inc came to my home to collect a debt.

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