BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
Im a 37 year military and XXXX XXXX, I made an allotment from my XXXX  401 ( TSP  ) to USAA savings and made the mistake of using my member I.D number instead of my account number. Come to find out my member ID is the same number of an XXXX XXXX ladies account number. USAA never matched the name, social or DOB on the transfer. 
I notified USAA on what happened and its been almost 2 months of trying to get the money returned. 
First your member ID should never ever be the same as another persons account number, second my other information I.E, social, DOB, address shouldve been matched and was not. 
USAA customer service is now farmed out for the most part, so far Ive been on the phone for over 7.5 hours total, the TSP representatives have been very helpful and have been on most of the calls with me. A number of security steps were missed and USAA is attempting to ask for the money back. XX/XX/XXXX going on 75 days and USAA as still not taken action against the other member who excepted and withdrew money not belonging to them. 
The latest USAA representative XXXX XXXX from the office of the CEO stated with 12 million member the numbers could be the same with a members ID being someone elses account number? Really, we gave them the federal tracking number with all my information on it. USAA is still refusing to get my XXXX back, stating theyve attempted to contact the other account holder ( female XXXX XXXX thieve ) and havent heard back from her, and will not put a hold on her account. 
The customer service with USAA is the worst experience Ive ever had. 
I spoke with XXXX  XXXX XXXX and XXXX XXXX. And both said the same thing about the account and member ID numbers being the same for two different persons I made an honest mistake and USAA could care less TSP  and myself provided USAA with the 15 digit trace number also

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX  Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX   XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 
I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX N/A XXXX N/A XXXX Please remove these Inquires : XP/TU/EF B XX/XX/XXXX XXXX XXXX CARS AUTOMOTIVE EF B XX/XX/XXXX XXXX XXXX XXXX XP B XX/XX/XXXX RENTAL PROPERTY XXXX XXXX EF B XX/XX/XXXX XXXX XXXX XXXX  Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX XXXX XXXX ( XXXX   ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 
If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06
Company: General Motors Financial Company, Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
GM Financial has placed an recognized/unauthorized inquiry on my XXXX  credit report on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The accounts listed are not my account nor did I give permission to the creditor to open the accounts on my behalf. When some of the accounts were opened I was very young and weren't using or applying for credit. I've disputed the accounts a couple times requesting validation which I haven't received as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: Paypal Holdings, Inc
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/XXXX I have a transfer from a PayPal XXXX XXXX account for {$1400.00}. I dont use or have a XXXX XXXX account. The email I use for PayPal is XXXX and my phone number is XXXX. Any transfers using a XXXX XXXX account are being used for fraudulent activities I believe. 


XXXX and XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
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: Information belongs to someone else

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 
I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX N/A XXXX N/A XXXX Please remove these Inquires : XP/TU/EF B XX/XX/XXXX XXXX XXXX CARS AUTOMOTIVE EF B XX/XX/XXXX XXXX XXXX XXXX XP B XX/XX/XXXX RENTAL PROPERTY XXXX XXXX EF B XX/XX/XXXX XXXX XXXX XXXX  Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX XXXX XXXX ( XXXX    ), and XXXX v. XXXX, XXXX  XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL 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 2022-12-18
Company: Viking Client Services
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of fraud and/ or identity theft. I am writing to dispute the following item on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or pretending to be me. They may have also used stolen identification and/or documents to obtain goods or services. I never authorized, used, or benefited from these accounts or transactions in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On Thursday XX/XX/XXXX at approximately 1509 hours, while checking my credit score and showing me that I own a loan of {$3900.00} from XXXX XXXX  XXXX XXXX XXXX. I looked online and I found their number and I called. The agent from XXXX XXXXXXXX XXXX, informed me that I took a loan ONLINE from XXXX XXXXXXXX XXXX of {$3000.00} on XX/XX/XXXX and the money was deposit on a bank account call XXXX XXXX XXXX and the 4 number of that account are XXXX and the scammer use my first and last name to created an email address ( XXXX ) I NEVER HAVE ANY EMAIL ADDRESS WITH outlook. That is the only information I have from the loan company. Please help me by taking care of that as soon as possible please. Please Note that I Sent this report to IDENTITY THEFT ONLINE ON XX/XX/XXXX @ XXXX XXXX. My receipt number is # XXXX Hello, I'm having trouble to verified my Identity, after being on the phone for hours with one of the representatives of the unemployment agent he could not verify me with the information that I provided. I filed a claim on XX/XX/XXXX after I entered my social security number, the system informed me there was a claim open under my social security back to XXXX, and I called to report right after I finished completing the employment application. Today I called unemployment to find out about my status and the agent could NOT verify my information even with a bank account, the agent sent me a link to complete a personal verification through my email. When I clicked on the link even using my cell phone and manually typing it into the search bar on XXXX XXXX, along with XXXX XXXX. It would display a totally different web page than what the unemployment agent was seeing ( XXXX XXXX XXXX ). When the unemployment agent sent me to login on XXXX so I can access my account. The page asked me for a PIN but I was never issued a PIN number. After entering my SSC to receive my PIN to my email address, an entirely different email address popped up that does NOT BELONG TO ME at all ( XXXX ). My correct information should be the following : Please Help Me Resolve this Issue. My ticket number ***** from XXXX Member Support. I also sent a report to Department Of Highway Safety And Motor Vehicle Division Of Motorist Services. This two reports that I sent, it just to show that I've been give update to collection company and the credit bureaus. I'VE BEEN A VICTIM OF IDENTITY THEFT. ( SOCIAL SECURITY NUMBER )

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 2017-08-11
Company: Quality Loan Service Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Quality Loan Service Corporation can not act as trustee as was never a contract to do so for the Fictional deed of trust, I XXXX XXXX have durable power of attorney with anyway my surname and any ways spelt and IRS has a copy of it, along with cusip, ssi, TDA accounts all can not be used, unless I give expression through approval, with a signed affidavit which i have not, to XXXX, Quality, nor any other company, also it takes two to sign a contract not Even XXXX XXXX XXXX have signed any docs. but on the hidden back of a paper, and non-disclosure, and signed my name, and id theft. Arrest warrants have been issued to all Ceo 's involved in this Fraud, Extortion, land piracy. Also a defaulted bill. You can not sell nor buy something that you do n't own by a null and voided contract before is even is one. Nor direct as a fraudster actor trustee, which violates the Constitution of the united States Of America Republic. If you need a copy of the arrest warrants and defaulted bill, request it, and not electronically, only by registered mail, and stating on the pink slip that what it is for and whom it is from, The bill is more that 90 days, ssi # is only for employment purposes, and slavery was abolished, Idenity theft is being used by the matrix system of banking and all we do on line and there is never another person on the other end to sign their name, all corporations have been foreclosed on more than once in the world, since XXXX XXXX XXXX, and XXXX, and XXXX and XXXX XXXX XXXX found XXXX XXXX guilty on all counts. 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 2021-02-02
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
Hello, The current issue is that Paypal originally processed a sale in the amount of {$1100.00} for an item sold through their sister company XXXX. The customer received the item damaged by XXXX  and elected to return the same. 

Paypal was entrusted to hold the funds, in the amount of {$1000.00}, until they were released by XXXX. 

This amount reflective of a processing fee of {$35.00} imposed by Paypal. 

However, instead of using those funds to process the refund, the amount on hold plus reversing the processing fees in the amount of {$35.00}, Paypal allowed a charge of the original amount of {$1100.00} to my credit card on file. XXXX claimed they fronted the full amount for the refund to the customer, and they secure the full amount from my credit card on file for purchase payments, without my authorization. 

I have requested that Paypal insure that the amount pending, {$1000.00} and the associated fees in the amount of {$35.00} be properly refunded to my bank account of record. Paypal and XXXX have a legal obligation to make me whole as to this order cancellation. 

Please note that as of date of filing this complaint, Paypal has forwarded the {$1000.00} to my bank account, minus the processing fees that give genesis to this submittal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I hope all is well.. 
Im not for sure why my credit limit was lower it was over {$2000.00} and now its a {$700.00}. I was a little late due to the pandemic but thats not my fault. I explain that to them. They wont tell me why it was lowered but thats the only reason I can think of. I need my limit put back to were it was. Its a pandemic and my credit limit should not of been lowered at all. Thank you for your time. Have a wonderful day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Credit Karma, LLC
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Applied for a credit card through credit karma after being told i would be approved or get XXXX dollars and i never got either accept a decrease on my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
All these companies these on my credit report I know nothing about especially credit acceptance thats why I have a low score I dont even work anywhere i am waiting on my disability I never received my rebate check when I filed it .I got a letter to come in to make sure it was me but never got to because mom lost her car during the pandemic when she lost her job at home due to discrimination

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple Equifax Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
i am a XXXX XXXX XXXX XXXX, i am a living human being, i have rights under 15 USC 1681.

transunion is govern by 15 USC 1681 and they violated my rights numerous of times i demand the accounts listed below be remove because according to 15 USC 1681 i have the right to privacy and i did not give Transunion written permission to furnish these accounts Accounts : XXXXXXXX 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 2021-10-25
Company: ENCORE CAPITAL GROUP INC.
State: CO
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:
Midland Credit Management was notified via mail of the federal laws that they were currently breaking at that time. Midland then sent a response that did not mention the laws in question and simply provided a statement sheet. Midland continues to break these federal laws and many others. Midland is now displaying their willful noncompliance of the laws mentioned on XX/XX/2021 in my first attempt ( attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: Empower Finance, Inc.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was approved for.first and second draw XXXX loans from the XXXX the second draw came from XXXX XXXX XXXX XXXX and they deposited the funds into my fuy verified account prior to i asked if it would be ok and assured by the rep it would be fine and then the day it got deposited they froze my account and have not given any specific reason as to whg they wont call me they asked for a bunch of verification documents i have submitted along with id verification i passed and still i get nothing and i dont have a way to contact the lender as the number is always busy and like most americans my life is turned upside down i nees help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Starting in XX/XX/XXXX I made 8 payments through my electronic account with the Banco Popular acct no XXXX to the XXXX XXXX in XXXX against a credit card account no XXXX. This account was paid in full and closed in XX/XX/XXXX. I proceeded to contact both banks because only 2payments were returned to Banco Popular in XXXX XXXX another in XXXX XXXX. There is and outstanding amount of {$1100.00} that were never retuned or there is no evidence from my bank that show that this money was retuned, I have contacted the office of XXXX and they have been reluctant to assist me to resolve this situation, All electronic transaction should have a system of traceability and recode keeping of transactions of payments. I need a thorough investigation as to were did this money that I paid go to and be reimbursed. My original complaint was filed in XX/XX/XXXX ; XXXX no 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 monetary relief