BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX/XXXX/XXXX My daughter 's USAA debit account was frozen by USAA. When she called USAA, the fraud was reported and funds were temporarily returned XXXX/XXXX/XXXX. The transaction involved an ATM withdrawal at XXXX XXXX & claim was approved by USAA. 

XXXX/XXXX/XXXX My USAA debit account was frozen by USAA. I called and reported multiple fraudulent transactions that were discovered during that initial call, one of which was done at the same place and date as my daughters fraudulent activity. I do believe I reported a total of XXXX transactions, but after further review, it was only XXXX transactions within a 2 week period, between XXXX/XXXX/XXXX - XXXX/XXXX/XXXX, for a total of {$3500.00}. The bank provided the temporary credit for the initial report of XXXX transactions for a total of {$3700.00}. The last transaction that I was able to verify occurred on XXXX/XXXX/XXXX for {$200.00}. 

I received an email from USAA on XXXX/XXXX/XXXX stating my fraud claim was denied and all funds will be taken back by USAA XXXX/XXXX/XXXX. The letter states I can request a copy of their report upon written request, but says nothing about my option to appeal. I read this email XXXX/XXXX/XXXX, a day after it was sent, which led to 3 different calls to USAA the same day attempting to receive a discussion about the denial. By the third call, I specifically asked to speak with a supervisor that can help me to understand their decision. In the end of that lengthy discussion, I was told it was my fault for not reporting sooner, but I did n't know fraudulent activity was occurring in this account until it was frozen. After asking twice, I learned reporting need to happen within 60 days, and then told I was responsible for the first {$50.00} for every 5 days that passes. I was told that chips make fraud impossible and getting card number with PIN is unlikely. She made it clear that because I did n't report until account was frozen was too late and its on me. I looked everywhere on USAA website for these rules and found no mention of them. I did submit an email request for their report XXXX/XXXX/XXXX. 

In reviewing these XXXX debit accounts held by me and my daughter, I have discovered a mutual location where these fraudulent activities might have originated. We both have one mutual transaction site, XXXX XXXX # XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-28
Company: Ocwen Financial Corporation
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a modification on my mortgage almost XXXX  months ago and my mortgage company has not provided me with a decision. When I check the status on their website, it states that they have sent a letter requesting additional information, however they did not. There are no messages on their website advising what this 'additional information ' is either. I sent them everything they originally asked for. We are a single income family with small children and are struggling to keep up with the steadily increasing interest/payment on this ARM loan. They have refused to work with us on refinancing to a fixed rate. This company is a predatory lender and does not want to help it 's customers keep their homes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Self Financial 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:
I was about to purchase a house and my loan broker check my credit and inormed me that my credit had gone down because of a line of credit that was not paid for the month of XXXX, 2022. I called Self, Inc to confront them a bout the account. They informed me of a bank account at XXXX XXXX that does not belong to me. For sure, I have never open any account with Self, Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
Company: LDF Holdings, LLC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I payed over the XXXX} i borrowed, i payed XXXX. I emailed the company XXXX and they gave me a generic answer about making different payments. I am having trouble paying my bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: ERC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/20 Dear to whom it may concern, Thanks so much for contacting me and bringing this matter to my attention. I want to get this matter taken care of as quickly as possible. To whom it may concern, I recognize your monthly statement is an offer for me to pay the bill. And I am happy to pay it immediately upon you providing me proof that my signature and note did not pay my account statement in full at the time of closing. By the way, To whom it may concern, please feel free to take me to court because there, I am sure the judge also would love to see your proof that the account was not fully paid at closing. One more thing, To whom it may concern, I noticed your monthly statement had an all caps name on it. That is not my name as my name is written in an upper- and-lower-case grammar style. Im sure the judge would like to see your proof of why you are breaking Federal postal law by writing to me using a fraudulent and fictitious name that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: Experian Information Solutions Inc.
State: NY
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 log into my Experian account and i see that theres a debt collection that i have nothing to do with where the amount is {$1100.00} from a company call ... .... XXXX XXXX XXXX,XXXX Original Creditor XXXX XXXX XXXX  XXXX XXXX XXXX and it gose back all the way from XX/XX/2012. i told the company i dont have nothing to do with this debt and i aslo send a letter to Experian i dont recognized that debt. So please i would like for this debt collection taken off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
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: Investigation took more than 30 days

Complaint:
Multiple accounts same account numbers, defamation of character, using negative adverse information over since XXXX I've sent in proof of non late payment and yet and still they continue top hurt and damage me I ask them to keep account and remove negative Information since XXXX. 
Please see Uploads

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 2019-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
payments were reduced, student loan is in forbearance. Please verify and delete it from my credit report. Government funded loans according to FCRA must not be reported. Please remove these trade lines US DEP ED XXXX, US DEP ED XXXX, US DEP ED XXXX, US DEP ED XXXX , US DEP ED XXXX , US DEP ED XXXX, US DEP ED XXXX, US DEP ED XXXX, US DEP ED XXXX, US DEP ED XXXX , US DEP ED XXXX , US DEP ED XXXX, US DEP ED XXXX, US DEP ED XXXX, US DEP ED XXXX, US DEP ED XXXX , US DEP ED XXXX , US DEP ED XXXX, US DEP ED XXXX, US DEP ED XXXX, US DEP ED XXXX, US DEP ED XXXX , US DEP ED 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 2017-10-28
Company: EQUIFAX, INC.
State: NJ
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:
Hello, I reviewed my Equifiax credit report and noticed that one of my 'associated addresses ' is invalid. I have 3 addresses associated with my Equifax credit report : 2 are in New Jersey and 1 is in Texas ( zip code = XXXX ). 

I have only lived in New Jersey and I have never lived or held an address out of New Jersey. I contacted Equifax to remove the associated address for Texas ( zip code = XXXX ). Equifax has not yet responded to my inquiry. However, I am also making this complaint here. 

Let me know if you have any questions in order to proceed or verify my account/personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital one has caused damages by not removing false incorrect information of Billing Errors I've asked them to Keep accounts and remove negative and false information they refuse even though i have sent in proof as well as refuse to send the proper tax forms and other request as well as payment received for I, the Consumer account to be properly credit and balanced This is on going three years now, please see attachments all Sent Certified Mail and Next Day Air

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-01-20
Company: The CBE Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid on the phone and confirmed with XXXX as paid and done. Additionally, debt is past the statute of limitations and should be taken off the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Experian Information Solutions 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 disputed that my charged-off XXXX XXXX XXXX credit card was too old to still be on my credit report and should be removed. According to Experian Report Number : XXXX, Date Generated :XX/XX/2021, the results state that this tradeline should only remain on my report until XX/XX/2021. It's now XX/XX/2021, and it's still showing on my credit report. Unable to file updated dispute with Experian as they says its too recent from the last dispute. Please assist! I want this negative tradeline removed from my Experian file.

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 2021-11-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company is trying to collect a debt. I do not owe this company. I have never contracted with them and I do not agree to this debt. 

They are reporting misleading information on my consumer profile which I did not give them permission to access my consumer profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
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: Account status incorrect

Complaint:
I had a store Credit Card with XXXX for the purchase of my engagement ring for my wife. I always made my payments in the store. I am self employed and some months make a lot more than other months, so when I went into the store I gave them payments in advance quite a few times. I gave the cash personally to the store employee and told her to I was making 3 payments at a time. She said she would put them towards the next 3 payments as requested. She never did and applied it to one payment with extra principle reduction. Because of this, I received late payments on my credit and fees. I called them and they were very apologetic and said they would remove the fees, fix it, and I paid off the balance. Instead of " removing the fees '' they reported to the credit reports that I " settled for less than the full balance. '' I tried to dispute it with my credit bureaus but they said there was no proof that I requested that of the store employee as we spoke in person and would not remove. I was recently denied for a home loan because of this account! They lied to me, committed fraud and I can not get credit extended to me because of 120 late on their credit account! I have attached documentation showing I paid 4 advance payments within 30 days of opening the account and made payments the next few months as well as 2 months payments another month later. I was way ahead on on my payments and should never have been charged lates or received any fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hello sir, I have two accounts with PayPal one under my name XXXX XXXX and email address XXXX and other account under my brother name XXXX XXXX under email address XXXX. 

In XX/XX/XXXX, Paypal informed me that I will not be able to use their service and they held my balance in total {$15000.00}. I have field two complains in the XXXX for each account and PayPal responded to my complains and they informed me that I have to wait 180 days to release my fund. 

I have waited 180 days and on XX/XX/XXXX, PayPal performed unauthorized transaction on the two accounts and they transferred all my money to an account called PayPal and they marked the transaction as corrections. Then, later they reported a problem about these transactions that they have performed on my account. 

I contacted PayPal asking about why they transferred all my money to this account that I am not a ware about. At that time I have informed that I have violated XXXX  policy and they will take all my money. 

I have tried to explain on a multiple occasion that I have not violated the policy and their claim is totally wrong. I have provided them on a multiple occasion that they are processing payment till this moment to the same research chemical product that I was selling at that time on XXXX. They said we will not return your money. I tried on a multiple occasion to ask them for evidence from their policy that I violated their policy, but they do not respond in a professional way. They said you violate the policy where there is no one single item in the policy states that research chemical products are not allowed. In addition, they still processing these kind of transactions till this moment for other websites. 

I have contacted the senator office in California to protect us from PayPal and I have been asked to file complain in the CFPB. I would appreciate if you can help me with this matter. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I mailed Experian, via certified USPS mail, a formal, written request for Method of Validation for the results of my investigation into the following accounts my rights per FCRA Section 611 : XXXX XXXX- Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX- Acct # XXXX XXXX XXXX- Acct # XXXX XXXX XXXX- Acct # XXXX Experian received my request per USPS XXXX # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. Today is XX/XX/XXXX and Experian failed to comply with this request during the 15 day period. Experian demonstrates a failure to comply with investigation timelines. I fully intend to sue if necessary to rectify these errors which are very serious inaccuracies which are hurting my ability to obtain credit. I do not believe Experian has contacted these companies, but instead relies on their automation system that includes inaccurate information related to these accounts.

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 2021-09-09
Company: CAINE & WEINER COMPANY, INC.
State: PA
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 XXXX XXXX and I am submitting this complaint myself and there is no third party involved.The XXXX Credit Bureau is reporting inaccurate information on CAINE & WEINER COMPANY INC Opened XX/XX/2017. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: EQUIFAX, INC.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I contacted Equifax and they advised me that they could not help with a dispute regarding inquiries even through I did not authorize any company or anyone working for a company to pull my credit report. I did not do a credit application to authorize anyone from these companies to pull my report. These inquires are fraudulent & according to FCRA these inquires must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 a mortgage still associated with my credit from 15 years ago. she has re financed per the court order yet it still shows. she has missed numerous payments and is destroying my credit. 
MOST IMPORTANTLY tho. i have bankruptcy on there from XXXX of XXXX i never filed for bankruptcy. please help and remove this asap. Im going to lose everything because of someone else. please please please help

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 2021-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The inquiries are not authorized. Please remove it 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 explanation
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
In XXXX and XXXX of XXXX I filed a dispute with the major credit bureaus XXXX and Transunion about the unverified info being reported from XXXX XXXX Account number XXXX. 
In these months, these inaccurate accounts are still showing In Dispute status and according to the FCRA laws these items should have been removed for 30 day non compliance of FCRA. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these companies in over 2 months as of today. Thank you

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