BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had financial and mental set backs upon returning from the military. I had multiple credit cards through USAA. I fell behind and they were eventually closed. The time came to purchase a new house and even though they were closed they effected my credit. I contacted USAA directly and they said they do not deal with closed credit cards. 

I confirmed the holders of the debt and reached a settlement with them.I paid a negotiated price on XXXX XXXX with two separate companies. One company by debit card and one by check over phone. I got confirmation for the debit payments XXXX XXXX and on the check by phone XXXX XXXX. The amounts were XXXX, XXXX, XXXX, XXXX, and XXXX. 

Once I got these letters I contacted USAA again. After being on hold for over 30 minutes they said they had to send it to some back office and there was no way to expedite or check up on the processes. They gave me a time frame of 2 weeks for this to be updated. 

During this time I submitted for a rapid rescore. Having given permission to USAA to share my information with all 3 credit bureaus on my initial phone call as advised there should have been no problem. The rapid rescore comes back and says that I must call and give permission. I tried again and my credit still reflects these balances. 

The rescore did nothing. It has now been 6 weeks since paying and receiving letters stating these accounts are resolved and settled in full. 

I contacted USAA again before escalating to this level. I was transferred multiple times and when it sounded like I may be on the right track I was to be transferred again. Instead I was hung up on. I called back AGAIN. I requested to be transferred to the department was met with an astounding array of security questions that I even did not know some of. Was told I needed to be transferred placed on hold again. Hung up on again. I did not want to go this route but this appears to be my only option. USAA up to this point has been an amazing organization and I believe in their philosophies. This is ONLY to do with their 'charge off ' department. 

**Please note that some of the documents are password protected. The password is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
After looking over my credit report, I noticed two 30-day late payments that were supposed to be removed from my mortgage account with XXXX XXXX XXXX # XXXX. The dates are XX/XX/2020 & XX/XX/2020. My income was affected due to the COVID-19 Pandemic SHUTDOWN. This late mark is preventing me from many potential opportunities. There are certain laws put in place to protect everyone for unforeseeable events such as the current national disaster. I was under the COVID-19 SHUTDOWN. The CARES Act calls these agreements accommodations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: EQUIFAX, INC.
State: MD
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:
As the consumer, I have told Equifax LLC through a notarized affidavit that there were unauthorized and unverified inquiries reporting on my credit report and in accordance to the FCRA, they legally need to be removed. Equifax LLC has not repsonded to my affidavit that was delivered via fax to XXXX on XXXX, XXXX, 2021, a number provided by Equifax LLC themselves. They are violating 15 USC 1692g as they have not completed those steps and I, the consumer, has not validated any of the Inquiries.In this case, they are also violating 15 USC 1692k that speaks of failure to comply with law and consumer they will be subject to fines each consisting of {$1000.00} each violation. My rights have been violated and the inquiries must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: STERLING JEWELERS, INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: Experian Information Solutions Inc.
State: FL
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:
I had been invited to open a XXXX credit card approx. mid to late 2015. I had just secured social security. and had no credit useage for many years prior. apparently my score brought in all the credit offers. the offer was 12months 1 st year at no interest. they started off wrong right out the gate. I hadn't set up any account for XXXX  on my computer and was awaiting my first bill. they failed to mail to my residence my first bill. of course being a new customer I hadn't monitored time frame. I was also under personal crises and family matters. by the second month I did my inquiry. received my billing. they said they mailed but not my correct address. that could have been made by intrusions or failures on there part. nevertheless a late fee had been installed. im certain I had also set my due according to my finances. I believe it wasn't changed. then it seemingly was to there liking. idk where to point finger or why, but I did have a personal crises in Domestic financial abuses he may have been in involved idk. I kept paying late fees and seemingly never got my one year of no interest. despite my faithful payments. I was not being taken serious about my payment due dates. so as soon as I knew I had paid all I had charged on XXXX card I requested to close account one year later. I paid all I charged and late fees. in lieu of there non compliance and the financial abuses and possible fraudulent manner he may have had in tampering with my account or XXXX unwillingness to honor my requests, this service as a hinderance. I am victim to both sides. I had paid all I charged and late fees. they had continued charging these late fees. I do not owe and im on limited income too. I would still be a customer if I was treated fairly.

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 2021-04-02
Company: Coinbase, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My phone was stolen on XX/XX/XXXX so I had them disable my account on Coinbase to prevent any transactions. The email said to respond once you've recovered your device so they can reactivate my account. I've messaged them every single day since and haven't gotten a single response and I also have filed a complaint to them. I then reached out to their social media pages and their XXXX customer support team finally responded. The person was no help and completely ignoring what I was trying to tell them and after maybe a 10 minute conversation, they said " I'll forward your information to someone else '' without even knowing any of my information at the time. I asked to speak to the persons XXXX multiple times because they were just giving up trying to help and said " I need to help other people ''. After this conversation my account was still disabled, but I also had a coinbase wallet that was working perfectly fine and all the money was still on there because it uses a private key and I didn't have to worry about whoever stole my phone being able to take that money. This interaction happened on XX/XX/XXXX and when I went to check my wallet today XXXX XX/XX/XXXX ), all of my money on that account had been sent somewhere else. I checked the time it was sent and it was shortly after I had the conversation with their XXXX Customer Support. I went back to the XXXX messages once I found out and sent them a message and never got a response back. I then tried to send another message this afternoon and it turns out they blocked me. So now I have a disabled Coinbase Account that I can't get in, the money on my Coinbase Wallet account has been sent somewhere else, can't get in contact with anyone through any outlet, and have now been blocked by the XXXX page. This company is robbing me and I can't do anything about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
This letter is being sent to you because I got a credit report notification that they are accounts that were added to my Transunion report. Since no organization has contacted me in regards to these accounts, TransUnion is listing erroneous and fraudulent information on my credit report. Be advised that this is not a refusal to pay a debt, but a notice was not sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) hence the debt claims are disputed as validation was never sent to me. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligations to pay these accounts : XXXX XXXX claims {$2100.00}, and the account is unknown and was not validated. 
XXXX XXXX XXXX claims {$170.00} account is unknown, and was not validated XXXX XXXX claims {$830.00} and the account is unknown, and was not validated

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 2017-09-15
Company: Experian Information Solutions Inc.
State: TX
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:
My most recent Experian credit report shows a collections item by XXXX XXXX XXXX which was incorrectly filed against my personal credit. This was a business credit card I had through a bank. I have also never done business with XXXX XXXX XXXX. I believe they purchased this debt from another company It has also been more than 7 years since the original delinquency date and since I last made I last made a payment or there was any activity on the account. I have disputed this item several times and twice within the last few months, but Experian has not removed the item from my reports back to me " The company that reported the information has certified to Experian that the information is accurate. The item was not changed as a result of our processing of your dispute. Please review your report for the details. ''

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 2023-01-12
Company: Experian Information Solutions 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 am a victim of identity theft please remove this fraud inquiry from 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 2017-12-11
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
someone opened a new credit card ( XXXX ) in my name on XXXX XXXX. I think this is a result of the Equifax data breach as they acknowledged my data was included in the breach. Equifax has free credit monitoring for 12 months but their system is never available to sign-up. This is very time consuming for me to fix issues like this and I want Equifax to be responsible for such a horrendous lack of security. Every time I click on the link offering one year free credit monitoring from Equifax, I get the message that the system is not available. I have tried many times for last 3 days and always get the same message that the system is not available.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This bank sent me a mailer trying to get me to open a checking and savings accounts with them and in return I am to receive a total {$500.00} bonus. I read the terms and conditions carefully to confirm that I qualify and emailed them at the beginning to confirm that I qualify. The reason I did this is the promotion required I leave a large amount of money in the account for many months earning no interest. 

The bank wasted my time for 5 months telling me I need to wait for the bonus then finally told me I don't qualify because I had accounts with them in the past. 

When I explained to them that I was a customer greater than 12 months earlier and the terms and conditions clearly state that I qualify as long as it's been greater than two months, the service agents refused to review my documentation or fix their error or credit the missing bonus. 

attached is a copy of the mailer they sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company ( CLLCN BUREAU OF THE HU ) has falsely reported me to the credit agency and made up a fake payment history to hurts my credit and force to me pay something doesnt belong to me they reported without having my fall information just a mix up name I already called them and explained to them I dont owe them and that was a mixed up identity And the address they have in file I never lived at but they was so rude and said they dont care I have to send them a paper with all my personal information such my SSN and my health insurance policy and copy of my ID sent Aslo i explained to them I never open the account they come after me for and I tried to dispute it but they never disputed for me and still showing in my credit report please let them remove it out my credit report I never open that account or lived in the address the account was linked to

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX Banks Account # 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a mortgage account under an open end consumer credit plan as late for any purpose.

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 2020-09-11
Company: Experian Information Solutions 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:
XXXX ; Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$2300.00} on the XXXX  - partial account number XXXX. ( Please see pages attached from my credit report. ) I had GAP insurance and the vehicle was deemed a total loss and the remaining balance due was paid in full from an extended warranty I had on the vehicle. This account needs to report a {$0.00} balance. There is no outstanding balance and therefore nothing to send to collections and/or to chargeoff. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2023-03-03
Company: EQUIFAX, INC.
State: FL
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: AMERICAN EXPRESS COMPANY
State: UT
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:
American Express is reporting an erroneous late on my credit file. I have been working on my credit and American Express keeps verifying these lates. I opened up this account back in XXXX and was always current, never had any lates and was very happy with the customer service and loved being a long time customer. I however, had to close some accounts back in XXXX and this was one of them. I closed the account and settled the debt that the card had and told them to please give me a call if there were any complications. I never received a call, and I figured the account would just report as closed and paid. However, almost 7 years later there was a {$4.00} fee on that card for something that I was not aware about. I didn't even know that this account could be charged anymore. I didn't receive any notifications, calls, emails regarding this and it made me late on the account. Had I known a {$4.00} balance was on the card, I would have paid that immediately to avoid all those lates. I still have no idea where those {$4.00} came from or why I was never told that this card was used after I had closed it and paid it. I ask that American Express removes the late payments off my credit fie. It's a little ridiculous to think I could have paid {$4.00} and this could have been avoided.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: EQUIFAX, INC.
State: FL
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:
I had been invited to open a XXXX credit card approx. mid to late 2015. I had just secured social security. and had no credit useage for many years prior. apparently my score brought in all the credit offers. the offer was 12months 1 st year at no interest. they started off wrong right out the gate. I hadn't set up any account for XXXX  on my computer and was awaiting my first bill. they failed to mail to my residence my first bill. of course being a new customer I hadn't monitored time frame. I was also under personal crises and family matters. by the second month I did my inquiry. received my billing. they said they mailed but not my correct address. that could have been made by intrusions or failures on there part. nevertheless a late fee had been installed. im certain I had also set my due according to my finances. I believe it wasn't changed. then it seemingly was to there liking. idk where to point finger or why, but I did have a personal crises in Domestic financial abuses he may have been in involved idk. I kept paying late fees and seemingly never got my one year of no interest. despite my faithful payments. I was not being taken serious about my payment due dates. so as soon as I knew I had paid all I had charged on XXXX card I requested to close account one year later. I paid all I charged and late fees. in lieu of there non compliance and the financial abuses and possible fraudulent manner he may have had in tampering with my account or XXXX  unwillingness to honor my requests, this service as a hinderance. I am victim to both sides. I had paid all I charged and late fees. they had continued charging these late fees. I do not owe and im on limited income too. I would still be a customer if I was treated fairly.

Company response to consumer: Closed with explanation