BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-09
Company: Experian Information Solutions Inc.
State: CA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-20
Company: Experian Information Solutions Inc.
State: PA
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX : {$0.00}

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 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 Fair Credit Reporting Act these accounts have violated my rights XXXX XXXX XXXX -- XXXX XXXX XXXX XXXXXXXX XXXX XXXX U S DEPT OF EDXXXX -- XXXX U S DEPT OF EDXXXX -- XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXXXXXX -- XXXX US DEPARTMENT OF EDU -- XXXX US DEPARTMENT OF EDU -- XXXX 15.U.S.C 1681 section 602 A . States that 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-20
Company: Square 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:
My complaint is against Cash App. I disputed a transaction that was charged on my card XX/XX/2021 due to no services rendered. They refuse to credit my account for that transaction. I was told they would provide me a credit in 45 days of filing the dispute, which I believe was done on XX/XX/2021 on the phone with Cash App support. I havent received a credit to my account and its been well over 45 days since the dispute was filed. I received an email the other day that they were closing the dispute case now. How can they close the case when nothing has been resolved yet?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was the victim of identity theft and was contacted by XXXX XXXX regarding a loan that was past due. I advised them I am disputing this as I never opened any lines of credit with XXXX XXXX. This was in XX/XX/2017 and it is still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a call from XXXX claiming an amount own to Chase Bank, no further details on the account and caller claimed to set up a payment plan, but the info to call back give was a different phone number XXXX with no extension or caller name to call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
In addition to my statement above, they are continuing to ask for repayment, modifications, short sales, deeds in lieu which is an illegal step and an attempt to steal my home. They are to cease and desist. That's a legal term and they are required to adhere. 

Also I do not have an agreement of any kind with this Shellpoint. They need to show me the documents that I signed allowing them to control the mortgage on this home. Also I do not recognize the loan number, which is different than the one I signed years ago. Where do they get their authority to even issue a bill on my home?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been a customer of USAA since XX/XX/XXXX, but on XX/XX/XXXX, I became a victim of financial profiling by USAA. USAA violated my civil liberties, financial security, and privacy by threatening to suspend online access to my financial accounts, if I failed to provide information on my 1 ) annual income ; 2 ) estimated net worth ; and 3 ) status as a current or former high-level elected or appointed foreign government official, or a relative or close associate of one. Moreover, it is my belief that USAA is using the Patriots and Bank Secrecy Acts to gather intelligence on high-ranking military personnel for purposes incongruous with U.S. banking laws. Its action to suspend my online access to my financial accounts for the sole purpose on gathering information not relevant to my banking activities or needs violates my privacy, financial security, and civil liberties, as an American citizen and veteran of the United States military.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: EQUIFAX, INC.
State: NY
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: EQUIFAX, INC.
State: LA
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:
Equifax ; XXXX  and XXXX are showing the XXXX  partial account number XXXX in Charge-off status for the balance amount of {$2400.00}. ( Please see page 6 of the attached credit report. ) This account does not belong to me. I never opened it and am not sure why this account is reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Closed my account by paying it off in its entirety with XXXX XXXX on XX/XX/2019. Unknown to me they charged my account ONE days interest for XX/XX/XXXX and billed me after my account closed. I then received a collections letter for a late payment - that I never knew existed, and never received a standard bill for. I called XXXX XXXX to dispute the retroactive billing, the lack of transparent charges, and there handling of it. They investigated my complaint and withdraw the {$13.00} charge for one day interest but still reported it as late to the credit bureau. I went to go refinance and low and behold my credit score has dropped because this interest that should not have been charged but if it was should have been billed properly and was being investigated and then retracted has now dropped my score 40 points and messed up my perfect credit. I contact XXXX and provided them the letter showing them the investigation, dispute with XXXX XXXX, and the results of the retraction, yet XXXX  will not remove it. 
It has cost me financially with my credit score, made it impossible to refinance at a good rate, and my next step is to contact the AG of Mass if this cant be resolved, as well as the press. XXXX XXXX is criminal enterprise and should not be reporting on anyone 's credit!

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 2023-10-01
Company: Affirm Holdings, Inc
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX I was at XXXX for probably the XXXX time this summer using my Affirm physical credit card. For the first time I wasnt going in after setting up a payment plan prior to purchase as I was in a hurry. I have been constantly bombarded with notifications and in app advertisements to split your payment within 24 hours of purchase. I have made XXXX of these XXXX purchases with this payment method so I thought no problem. I had {$300.00} avail to split I would have never thought they would break contract. So on this very busy day I made my purchase and went to split my payment with Affirm to XXXX for the 6th time this summer. I was denied splitting this payment due to the length of credit history with Affirm. I have a {$2000.00} line of credit with them. I have been a consumer purchasing things all over the Internet and in physical stores since XX/XX/XXXX. I tried repeatedly to split my payment over the evening of XX/XX/XXXX and morning of XX/XX/XXXX and was repeatedly told I had not been a customer long enough despite splitting at least 5 XXXX purchases prior to this transaction over the summer of XXXX. When I reached out to Affirm after the 24 hours went by to inform them that I was continuously rejected over that first 24 hours to split my transaction due the length of my credit history with Affirm, I was told I should have split my purchase within the first 24 hours. When I reiterated that I was denied splitting on the day of purchase and the reason that I had been denied splitting the transaction ; I was treated extremely rudely and told that I need to learn how to use my card. I have taken a screenshot of my entire transaction history with Affirm, the denial to split my payment after the purchase due to the length of my 3 year credit history with the company, and despite the fact Ive split at least 5 of these purchases over the summer. It shows I had $ XXXX in my linked account, had {$300.00} available to spend to split, and had {$110.00} left over AFTER THIS XXXX purchase TO SPLIT. My last attempt to try to discuss this issue the rep laughed at me openly on the call. I want that called pulled please. They sent a response to a online contact form about maybe splitting if I brought the available balance to my personal checking account back to the $ XXXX that was there at the time of transaction, but that is what the rep the week of XX/XX/XXXX laughed at me about. They first bait and switched me by breaching their terms of service, then said do this and we might allow a split, and then laughed at me and told me tough. I can not even make a partial payment, they want the entire amount which I can not do, and have been trashing my credit score to add literal financial injury to this insult.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, I received two separate notices of Stop Payment Orders for checks dated XX/XX/XXXX. My account was charged {$20.00} for each stop payment. I have not initiated any stop payment orders for this account in a far back as I can remember ; nor has my co-account holder. First, let me state that my concern is not for the charges for the stop payment orders. These funds have been restored to my account ; but rather for the apparent lack of visibility, ability to track transactions in PenFed 's financial systems indicating a lack of an ability to audit transactions, and the apparent vulnerabilities in PenFed 's transaction/accounting systems. When contacted, PenFed attempted to research these stop payment orders and communicated to me the following information : 1. The  check numbers referenced in the stop payment orders are not in the current series of checks I am using. In fact, checks in this series ( XXXX series ) have not been used in about 30 years for this account. 
2. They can not identify the payees or amount of the checks in question.

3. Since the account was charged for these stop payment orders, the orders had to originate from within their ( PenFed 's ) system. Had they been initiated on-line, there would not have been the {$20.00} charge applied. 
4. PenFed can not identify who initiated these actions.

5. PenFed can not find the original transactions which triggered the stop payment orders.

I find this to totally unacceptable in a financial instituion. I believe this lack of accountability/auditablity to a major vulnerability and potentially leaves PenFed and its customers open to fraud.

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
Consumer complaint received 2022-12-30
Company: Experian Information Solutions Inc.
State: NY
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian is incorrectly reporting me as an Authorized User on XXXX XXXX ending in account # XXXX. I called XXXX XXXX  and let them know that I did not give permission to be added as an Authorized User on this account. They removed me as an Authorized User on XXXX  and XXXX, however Experian has not removed this from my report. I have contacted the bureau to fix this issue. The negative reporting is harming my credit score.

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 2023-08-10
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:
For the record, there was no response and negative information is being erroneously included on my report, as I have advised you on XXXX separate occasions, more than 45 days and again 5 days ago The investigation took longer than 50 days. This is a Direct Violation of Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( a ) As you are well aware, federal laws requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp, No. 95-6445 ( C.D. Cal Nov. 14, 1995 ), you will be liable for your willful non-compliance. Please Remove All Fraudulent accounts as I have no knowledge of these accounts due to the XXXX Data Breach/ Identity theft. All is being investigated by the FTC I am also keeping the companies listed below informed for your willful non-compliance : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX  XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints

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 2016-07-06
Company: Atlanticus Services Corporation
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I made a payment to Fortiva services 1day too early for {$270.00} on XXXX/XXXX/16 which I was finally told was in the previous months statement cycle. If I had made the payment on XXXX/XXXX/16 all would have been fine but there was no warning message on Fortivas website where I always make the electronic payments. My issue is at the time I was not aware of the statement cycle cutoff dates but Fortiva refuses to adjust the early payment to the next day which would 've made my account current. I had to pay them an additional {$110.00} rounded out to {$110.00} as suggested by the representative to bring my account " current ". My complaint is this is a trap laid by this lender if you are not aware of the statement cycle dates. My regular payment is {$190.00} but I pay extra every month paying {$270.00} to reduce the loan term and interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-01-20
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:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information.

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 2018-01-05
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Old information reappears or never goes away

Complaint:
This Debt has been paid & needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief