BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
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 recently took out a personal loan, through XXXX XXXX XXXX XXXX, to consolidate Credit Card debt. This complaint is NOT against XXXX XXXX XXXX XXXX. It is solely against USAA. 

On XX/XX/XXXX, two payoff checks were sent to USAA to pay off the balances on the two credit card accounts below, as is detailed in the loan agreement attached. 

Rate Advantage Platinum Visa Account Number XXXX XXXX XXXX XXXX Signature Visa Account Number XXXX XXXX XXXX XXXX Despite repeated efforts to request USAA process the payoff and/or investigate as to where the funds were delivered and why they were not applied to pay off the balance, including the recent chat transcript attached below, USAA continued to willfully assess interest charges on both accounts ( summarized below ). 


Rate Advantage Platinum Visa XX/XX/XXXX, XXXX XXXX, 2023 Interest On Cash Advances Finance Charge - {$61.00} XX/XX/XXXX, XXXX XXXX, 2023 Interest on Purchases Finance Charge - {$130.00} Signature Visa XX/XX/XXXX, XXXX XXXX, 2023 XXXX XXXX XXXX XXXX XXXX XXXX - {$30.00} XX/XX/XXXX, XXXX XXXX, 2023 Interest on Purchases Finance Charge - {$86.00} XX/XX/XXXX, XXXX XXXX, 2023 Late Charge Fees & Charges - {$25.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Permanent account limitation was unexpectedly placed on my Paypal account without explanation. I have only been using my account to purchase and sell crypto currencies as allowed by Paypals policy. I received an email on XX/XX/2021 that a permanent limitation has been placed on my account and I can not access my funds for the next 180 days. I have tried to contact Paypal via online messaging but was told that all agents are offline ( at XXXX XXXX  PST ). I also tried to use the Resolution Center on Paypal 's website but it did not provide any reason or actual steps I can take in order to resolve this issue. On XX/XX/2021, I finally got through to a live agent by calling Paypals Customer Support after being placed on hold for almost one hour. The Supervisor ( XXXX ) told me that an internal decision has been made that they can not let me access my remaining crypto currencies in the account but declined to tell me which policy I have violated or what has triggered the ban. Paypal has received my drivers license, home address and bank statement in a previous incident similar to this one. My account was restored on XX/XX/2021 and I have received a notification email for the restoration. There has been no transaction in my account since XX/XX/2021.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04
Company: Experian Information Solutions Inc.
State: PA
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:
The existing problem with these consumer reporting agencies is still not resolved. I still have incorrect information reporting 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 non-monetary relief
Consumer complaint received 2021-08-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was not aware i owed a debt on a credit card until it appeared on my credit by way of PORTFOLIO RECOVERY ASSOCIATES. I thought the account had been paid. At any rate, once i learned i owed the debt i wanted to pay it even though PORTFOLIO RECOVERY ASSOCIATES had placed the account on my credit without sending me a notice or to verify the debt.

That said, I was told if I paid the account for the settlement amount they ( PORTFOLIO RECOVERY ASSOCIATES ) would remove the account from my credit because technically they were in violation by not contacting me first. I asked for XXXX XXXX to put it in writing first- he did. To date the account has not been removed as agreed its showing that I made a settlement on the account Account name PORTFOLIO RECOVERY ASSOCIATES Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Paid in settlement. 
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Address identification number XXXX Original creditor XXXX XXXX XXXX  XXXX XXXX. 
Type Debt Buyer Terms 1 Months On record until XX/XX/XXXX Credit limit or original amount {$310.00} High balance $ XXXX  Monthly payment {$0.00} Recent payment amount Not reported Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 
Comment Account paid in full for less than full balance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: ID Analytics, 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 is missing that should be on the report

Complaint:
I had applied for a credit card online for XXXX XXXX XXXX, with XXXX XXXX XXXX and I was denied by XXXX. XXXX. They stated My credit score as of XX/XX/XXXX was XXXX. I know for a fact what my scores are otherwise I would not have applied. I never heard of this company. They have a P.O.Box Address In XXXX XXXX, Ca. I am wondering if this consumer agency is legitimate? 


There address : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Ca. 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 2022-11-11
Company: Experian Information Solutions Inc.
State: NV
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:
If you carefully read the documents that I put below you will understand my annoyance with these credit bureaus

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 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
If you carefully read the documents that I put below you will understand my annoyance with these credit bureaus

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 2019-09-20
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this account or the creditor. This is reporting incorrectly on my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter to Equifax requesting to positively verify or remove four unknown accounts and three fraudulently inquiries listed on my XXXX  credit report and they have yet to verify the accounts or remove the inquiries. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Equifax is required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. 
It is now XX/XX/XXXX and I have not received any information on the investigation or verifiable proof nor have the accounts been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
The bank allowed a scammer to take over my account and deposit checks from our of state. From a computer or phone I dont know between XXXX XXXX XXXX. I wasn't a were of this happening at all. The Bank of America that I have had an open and good account with over 10 years. All they said was I did it, its my fault and when am I going to pay the money back.

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 2019-08-20
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
LVNV Funding has reported a debt on my credit report without first providing a written notice of my right to dispute.  According to federal collection law, that is not allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX   XXXX XXXX ) XXXX****, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX****, XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: EQUIFAX, 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:
I have had incidents of ID fraud in the past, between the years of XXXX and XXXX. 
Equifax : XXXX XXXX XXXX ( XXXX ) Date open : XX/XX/XXXX High Balance {$1700.00} XXXX XXXX XXXX XXXX XXXX ( XXXX ) Date open : XX/XX/XXXX High Balance {$570.00} XXXX Both items where included in the police report, which I have attached to this complaint, and included in the FTC affidavit, which is also accompanying this complaint. The creditors requested that I get a police report before they would even speak to me about said accounts. I have produced all documents required to clear this issue and yet these items continue to reflect negatively on my credit rating. These accounts where not opened by me, and most be removed immediately. Both accounts where open in XXXX of XXXX seems very strange to me that these items appeared in the same month same year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have Fraudulent Inquiries on my credit reports for Experian XXXX XXXX I have disputed these inquiries multiple times. 

Fraudulent Inquiries XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Upon checking my credit report i see that your company is reporting on my credit for a credit card that was not in my possession and that i did not apply for. I see that the original creditor is XXXX XXXX and i have been in touch with the official president of this company regarding this situation i have tried to work with your company but i was basically belittle and told me that the only way i can make this go away is to pay for something that is not my debt or a card that i never had in possession. I have a police report for identity theft and have been working with your company but i have not been getting any good response for this. so i am writing you now to try and solve this and remove this from my credit report considering your company did not send me a validation letter or anything with my signature on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
Company: EQUIFAX, 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:
Here is what I have sent to Equifax : I have been able for over a week to get online to release our credit reports. Temporarily unavailable. 
So I phone and get email addresses that are returned : Unrouteable address when sent to either XXXX or XXXX. I have transcripts of these calls on my Caption Call phone. 

Heres what we need : Please release the credit reports for my wife and myself in the next or two. We are trying to close a home loan. I have previously faxed the information to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Experian Information Solutions Inc.
State: OH
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 a late payment showing on my credit report that doesn't below to me. XXXX XXXX authorized User account. This is a closed account that I am not financially responsible for please remove the negative item immediately. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX please remove the late payment from my credit report. I am no longer on that 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 non-monetary relief
Consumer complaint received 2023-02-23
Company: Experian Information Solutions 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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. 15 US-CODE 1692E FALSE OR MISLEADING REPRESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current

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 2019-06-06
Company: KEYCORP
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Per KEYBANKs response : KeyBanks records do reflect that you applied to refinance the Account in XX/XX/XXXX. That interaction does not reflect there being a conversation around a Conversion Option. However, if your intention at the time was to exercise a Conversion Option, we regret that topic was not discussed with you at that time. 

Their regrets above are not accepted. 

I spoke to the employee at the Branch who handled this transaction prior to filing this complaint and she ADMITTED not knowing the procedure and mistakenly sending me to refinance back in XX/XX/XXXX,  when it should have been handled as a CONVERSION - NOT a refinance. Your customer notes have holes in them. Had she handled the procedure properly, we should now have a A 13-year loan instead of a 15. As of our discussion in XX/XX/XXXX - the same employee also stated to me that she DID NOT KNOW HOW THE MANAGER AT THE XXXX BRANCH DID IT and would have to call him to find out. 

We do not accept your attempt to do a half baked correction saving yourself money. 

The loan should be retroactively converted to a fixed rate as of the time I requested it in XX/XX/XXXX. It is not my problem your employee was NOT TRAINED PROPERLY TO SERVICE CONVERSION REQUESTS, nor is it my concern that your notes are incomplete because the employee was not trained properly. 

ALSO your official letter to me, XXXX, misstates our loan terms as 240 or TWO HUNDRED AND FORTY MONTHS. It is A 15-year loan!!! That is 180 months!!! 
How am I to trust Key if you cant even get my LOAN TERMS CORRECT in an official response to a CFPB complaint? 
Please respond immediately. Your check for {$640.00} is not an adequate correction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-06
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I sent certified mail a letter to Midland Credit Management asking them to validate debt and to sent additional information I requested in my letter 1. Agreement with your client that grants you the authority to collect on this alleged debt. 2. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 3. Any insurance claims been made by any creditor regarding this account. 4. Any Judgments obtained by any creditor regarding this account. 5.  Name and address of alleged creditor. 6. Name on file of alleged debtor. 7. Alleged account number. 8.  Address on file for alleged debtor. 9. Amount of alleged debt. 10. Date this alleged debt became payable. 11. Date of original charge off or delinquency. 12. Verification that this debt was assigned or sold to collector. 13. Complete accounting of alleged debt. 14. Commission for debt collector if collection efforts are successful. On XX/XX/XXXX I received a response stating they have their account notes and found their information to be correct. They have failed to validate this debt under the FDCPA and are reporting false information to all three credit reporting agencies. They claim this debt was sold to them on XX/XX/XXXX but according to my credit report they are reporting it was placed for collection XX/XX/XXXX. Even their reporting dates are incorrect. On XX/XX/XXXX I sent them certified maill a letter notice of their failure to validate debt. You have not provided a signed contract showing my liability by corresponding my Social Security with my signature. They have not shown me the agreement with their client ( XXXX XXXX  ) that grants them the authority to collect on this alleged debt. They have yet to respond to that letter. They are reporting to all three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
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: Information belongs to someone else

Complaint:
THIS ACCOUNT GIVING ME XXXX  I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

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: EQUIFAX, INC.
State: DC
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 already reached out to Equifax and to XXXX XXXX XXXX and notify them of their error posting of information on my report. The account is truly wrong. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations still persist on my credit report.

Company response to consumer: Closed with explanation