BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I am a service member who XX/XX/XXXX in XX/XX/XXXX through XX/XX/XXXX. I elected my Servicemembers Civil Relief Act with USAA prior to departure and they reduced my auto insurance due to the vehicle not being in use while gone. We were XX/XX/XXXX to an austere environment with limited communications and no mail forwarded on to the location. Members deactivate their cell phones while gone and turn it back on upon return. What mail is sent was arriving as late as 3 - 4 months later due to the remote location and logistical challenges. 

I had a USAA Visa credit card for well over 13 years with no issues with the credit limit up to $ XXXX. The card had a balance of over XXXX in reward points due to me equating to more than $ XXXX if cashed out. 

Apparently a {$23.00} charge appeared on the card after I departed which I was unaware of. Being XX/XX/XXXX I did not receive any communication from the lender nor could they not reach me ( assuming they tried ). USAA closed my credit card and reported over 120 days non payment to the credit bureaus. 

Upon return from the XX/XX/XXXXin XX/XX/XXXX, I immediately paid the amount and attempted numerous times ( unsuccessfully ) to resolve the issue with USAA. They mentioned if the account was " just voluntarily closed '' then the points would be available for over 120 days but would not allow credit for them in this instance. 

This is the only negative reporting I have on my credit report and it brought the score from a highXX/XX/XXXXdown to XX/XX/XXXX 

Under the SCRA, I respectfully request removal of the negative credit reporting and allow a cash out payment for the reward points balance. Because of the credit reporting a loss of available credit it would be good to have the credit limit restored as well. This negative reporting on my credit will cost me for years to come through the inability to obtain lower mortgage and loan rates, other credit cards, etc. I am due to relocate in just a few weeks and plan to purchase a home. 

Many thanks for any relief assistance you could provide. 

Sincerely, Military Member

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing XXXX days prior, I was not notified. As the original creditor, only I can validate this debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
EXPERIAN is reporting an account with XXXX XXXX on my credit report and I have never transacted any business with XXXX XXXX This account was previously blocked from my credit report by EXPERIAN due to identity theft about the dates of 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 2022-07-12
Company: Experian Information Solutions Inc.
State: NV
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 Account numbers, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX 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 a account without my written instructions

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 2020-12-02
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I sent a request to validate a debt that was shown on my XXXX, XXXX  and XXXX  credit reported. There was a derogatory remark on my credit report from a CAVALRY PORTFOLIO SERVIC showing 2 different accounts one with the total balance due of {$2800.00} & another balance of {$4100.00} Following up letters were also sent XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Upon further research, this account was transferred / sold and I am no longer responsible for the account. Debtor creditor did not verify this collection. Also there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. 

They have also provided a bill of sale and assignment dated XX/XX/XXXX by XXXX to Cavalry claiming to be part of this account but does not have my name, signature, debt amount or dates included. 

According to the FCRA CAVALRY PORTFOLIO SERVIC has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: EQUIFAX, INC.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Early Warning Services, LLC
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was selling a table through XXXX XXXX for {$100.00} and received a message from a potential buyer with the profile name " XXXX '' who was interested and wanted to pay through Zelle. The person led me to believe they were legit. I gave them my phone number and email so that they could send me {$100.00} for the table. I never received the money in my Zelle account. I started receiving emails from what it seemed like an official Zelle email saying that I needed to upgrade my Zelle account for XXXX in order to receive the XXXX, but I would be credited back once I upgraded. That is what I did. However, I got another email saying that the buyer accidentally sent an additional XXXX. The buyer started sending me messages saying, " I trusted you and I accidentally sent more money now refund me back. '' I thought that Zelle was the third party and would make sure that I would be credited back. Then I got an email saying that with the business account I needed to pay XXXX license and fees for XXXX. The email reassured me that I would be credited back the {$900.00} I personally sent out and then receive the {$100.00} for my table. 

I realized that it was a scam after I received yet another email asking this time for XXXX. I stopped communicating online with XXXX. Contacted Zelle and reported fraud and they informed me that they could not get my money back and contact my financial institution. My financial institution XXXX XXXX is giving me a hard time because they said that I authorized the transactions, but I was tricked into doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Bank of America is denying a claim ( dispute ) that I opened because my card was used. Bank of America closed my account and took my temporary credit back 2 months ago, I been calling the dispute department and they blocked my phone number, when I call from a different number that the one that I have on my account then they respond to my call after 3 hours waiting on the line. 
The claim number is XXXX, with the account ending in XXXX. 
Bank of America havent provide a reason of why they are denying my claim even that I asked them several times, the only thing that the letter says is that No posting error has occurred on your account, I got a call from somebody in the escalations department but I been calling her everyday since 2 weeks ago and I havent receive response either, Bank of America is playing with a lot a people like me since everybody is twitting their experience. 
This is not fair I need a reason why they denying my claim and proof over wise I will put a complaint with General Attorney about their scam practices.

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 2023-03-23
Company: Experian Information Solutions Inc.
State: IA
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:
I claimed bankruptcy in XXXX of XXXX. It was discharged in XXXX of XXXX. There was a mortgaged included in bankruptcy that was not reaffirmed, so nothing was to be reported after bankruptcy discharge in XXXX of XXXX. Upon checking my credit report and score, I noticed that Experian is showing it's been 2 years since my last late payment, which is much different than 4 years and can significantly impact my credit score. I knew that was incorrect as I've not had a late payment on anything since bankruptcy. Upon investigating where that came from, they're saying that my mortgage company reported a delinquent payment in XXXX of XXXX. I contacted my mortgage company and the account was " discharged '' to credit bureaus XX/XX/XXXX due to bankruptcy as well as my account being paid in XXXX of XXXX on time even though it can't be reported due to bankruptcy. I have disputed this 3 times with Experian and once with XXXX and XXXX, and even included documentation that the mortgage company gave me stating that there is no delinquent payment in XXXX of XXXX, but Experian is closing my dispute as " remains '' each time due " The company that reported the information has certified to Experian and XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' XXXX has updated and corrected it on their end. 

It should be 4 years and 5 months since my last late payment, not 2 years.

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 2023-03-23
Company: SIMMONS FIRST NATIONAL CORPORATION
State: TN
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:
The bank ( Simmons Bank, XXXX, TN ) of charging a fee labeled " ACCOUNT ANALYSIS CHARGE '' of {$10.00} then reimbursing the account and labeling the credit " XXXX XXXX XXXX ''. The charge and credit is deceptive and misleading. Why charge a customer then reimburse them for the same amount?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$610.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$380.00} XXXX {$5500.00} XXXX XXXX {$2800.00} XXXX XXXX {$5700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: Stellar Recovery, Inc.
State: CT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
STELLAR RECOVERY INC Has place an account in collectection with XXXX, XXXX stating I Owe them {$400.00} dollars. I have never had a account with this company and only became aware of this debt when I received 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 2023-03-23
Company: Unity Asset Management
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XXXX XXXX XXXX Unity Asset Management XXXX LLC XXXX XXXX XXXX XXXX ( this is the number that comes up on caller ID ) A XXXX XXXX keeps calling me. threatening me saying im in refusal, when im ill with XXXX and cant talk this is the number that he says to call back XXXX please have them stop!!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have capital one 360 checking account and I never used my debit cards. In addition the debit cards are locked in safe box, it has no way for other people to steal my debit car numbers and security code. But in XX/XX/ around XXXX XXXX New York time my debit card was charged twice by XXXX for {$19.00} each. 

I immediately called Capital One and have them to replace my debit cards and I am waiting them to resolve this security issue. 

I strongly believe that Capital One 360 bank system is/was hacked. Please do your investigation. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: EQUIFAX, INC.
State: PA
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 applied for an auto loan and was under the impression there would only be 1 inquiry produced from it. However, it produced many inquiries on different dates and times. These are the companies listed below : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX XXXX US SM BUS ADMIN ODA XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CXXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17
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 information incorrect

Complaint:
Tried to contact credit bureaus about this issue I have with this company on my credit report, its showing different montly balances, and different account balances. I want this account removed from my report ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My XXXX XXXX XXXX XXXX XXXX servicer has discharged a refund to my old previous closed account to Citi Bank ( XXXX ) initiated XX/XX/XXXX. XXXX XXXX has mentioned the funds was accepted but the account I had with Citi has been closed since XXXX or XXXX. So far I have contacted 3 different Citi bank numbers and one representative just informed me to open an another account but now the funds will be issued 1 to 2 business days back to My XXXX XXXX. I do not have any online banking, routing or account information to log in since the previous account been closed. And I have contacted Debt Management and the Offset Department at the bottom of XXXX letter and still havent gotten through to a phone representative.

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 2022-07-12
Company: EQUIFAX, INC.
State: VA
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 XXXX XXXX XXXX # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
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: Account information incorrect

Complaint:
I have attached two accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached highlighted pictures of the accounts with the inaccuracies.

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 2020-12-02
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:
DURING THIS COVID-19 PANDEMIC I WAS ENCOURAGED TO LEARN ABOUT PROTECTING MY CREDIT FILE AND PERSONAL IDENTITY. I WAS TAUGHT TO REVIEW AND INTERPRET MY CREDIT REPORT AND THE RELATED ACCOUNTS. AT THIS POINT I NOTICED A NUMBER OF MISINFORMATION AND ASSOCIATED ACCOUNTS THAT WERE FRADULENT. SINCE THEN I HAVE MADE SEVERAL ATTEMPTS TO REACH OUT TO THE INDIVIDUAL DATA FURNISHERS, CREADITORS AND BUREAUS TO FIX THESE ISSUES BUT TO NO AVAIL WITH EXPERIAN AND XX/XX/XXXX. XX/XX/XXXX WAS ABLE TO HELP ME BY REMOVING AND DELETING THESE ERRONEOUS ACCOUNTS AND INFORMATION. THIS INFORMATION HAS COME UP BECAUSE I AM IN JEOPARDY OF BECOMING HOMELESS DUETO THE PANDEMIC AND IN THE PROCESS OF APPLYING FOR HOUSING MY CREDIT FILE INDICATED THIS ERRONEOUS INFORMATION TO MY SURPRISE AND THIS PROHIBITING ME FROM GETTING ME AND MY FAMILY HOUSED.

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 2023-10-30
Company: DISCOVER BANK
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They keep threatening me and my cosigners. We been getting non stop calls, emails, and mails. I sent a cease and desist letter to the company to stop all the calls and they are still blowing up my phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company fails to remove an account off my credit report, even after providing me a letter of deletion back in XXXX. 
Attached is a copy of the letter of deletion, however, when I called the 3 credit bureaus, they said they had received NO notifications from CCS to delete

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation