BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-09
Company: EQUIFAX, 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:
THE DISPUTED ACCOUNT HAS BEEN PREVIOUSLY REMOVED OFF MY CREDIT FILE DUE TO THE FACT THAT IT HAS BEEN REPORTING INACCURATE AND WITHOUT MY KNOWLEDGE. PLEASE HAVE THIS ACCOUNT COMPLETELY OFF MY CREDIT REPORT FOR IT HAS BEEN TARNISHING MY CREDIT FILE AND NAME. THIS ACCOUNT IS A DEROGATORY ITEM THAT NEEDS BE OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Experian Information Solutions Inc.
State: IL
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 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 2022-01-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On numerous occasions USAA has intentionally obstructed my ability to access and complete routine transactions associated with my account. 

Today, XX/XX/2022 USAA stopped me from making a same day transfer from a USAA representative payee account with my son into another USAA account in my sons name. As a result we had to have checks mailed to us. 

I then attempted to make a transfer from my USAA checking account into my sons USAA checking account and was told this could not happen on the same day because my sons account is not stored. 

I then attempted to make a wire transfer into my sons account and was denied the opportunity to do so. I was told I was not properly verified even though USAA made no attempts to verify me. 

I have been a member of USAA for 15 years and I have just recently began experiencing problems with the services I receive from USAA account. 

I believe USAA is engaging in this behavior at the request of my former employer, the XXXX XXXXXXXX XXXX XXXX, in retaliation for my filing a federal lawsuit for unlawful employment discrimination. 

I am using my sons email address so I can submit this complaint in writing rather than verbally over the phone. I do not currently use a personal email address due to unlawful hacking and invasion of my privacy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. being that they have gone past 30 days Mark and can not verify these accounts under Section 611 ( 5 ) ( a ) of the FCRA they are request required to probably delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Resurgent Capital Services L.P.
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:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the ftc online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: EQUIFAX, INC.
State: CO
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/2021 I sent a letter regarding inaccurate n suspicious things on my report to this day it has been over 45 days without any response received I am being ignored of my rights and is under complete stress caused by this failure to comply section 611 ( a ) clearly states failure to investigate these erroneous items on my credit report within 30 days leads to these items being removed immediately or I will file for litigation due to the emotional scrutiny and discomfort my information was also impacted by the equifax data breach and XXXX XXXX breach and may have reached the hands of a fraudulent person

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4500.00}, {$500.00}, {$1500.00}, {$400.00}, {$1000.00}, {$21000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. BANK XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

3. XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

4. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$400.00} -This is not my account. 

5. XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 


-- AUTO ACCOUNT -- 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$21000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-09-17
Company: FirstPoint Collection Resources
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXXIRSTPOINT COLL RESOURCES INC is in violation of privacy act 1974, I didnt give FIRSTPOINT COLL RESOURCES INC Consent to report my personal information I also dont remember doing any business with this company, do to FIRSTPOINT COLL RESOURCES INC violating my privacy rights, I have been Suffering emotional damage when it comes to purchasing a home for my children not only that I am suffering but my kids as well, this is call pain and suffering, I have been humiliated. I will like to opt out of this collection, 15 U.S.C 6802-15 U.S.Code 6804 Obligations with respect to disclosures of personal information. Do to sending my information to a nonaffiliated third party such as XXXX, XXXX and XXXX other fraud has been committed under my name. Please show me where I gave FIRSTPOINT COLL RESOURCES INC the consent to share my personal information to these institutions.I ask that FIRSTPOINT COLL RESOURCES INC to obey the laws of 15 U.S.C 1681 ( E ) B-15 U.S.C 1681 I ( 5 ). Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Us bank account problem XX/XX/19 a deposit of XXXX leaving a positive balance of XXXX. 
XX/XX/19 a purchase was made at car wash for XXXX dollars unavailable funds XX/XX/19 a purchase was made at XXXX XXXX for XXXX unavailable funds XX/XX/19 a purchase was made at XXXX for XXXX unavailable funds XX/XX/19 no purchase XX/XX/19 at around XXXX XXXX I put a check in the bank for XXXX then I withdrew XXXX cash for the ATM which was made " unavailable funds ''. two hours later at XXXX XXXX I made a payment of XXXX rent, at XXXX XXXX the bank closed and did not process the payment until after XXXX XXXX, on XX/XX/19 there was a pending deposit XXXX to be deposited on XX/XX/19. 
After XXXX XXXX on monday the us bank reversed the unavailable funds that were held out over the weekend and on monday put them back into available funds of which was add back into Fridays XX/XX/19 balance ... They then took the deposit of XXXX made on monday XX/XX/19 and back dated it to Friday 's XX/XX/19 balance of XXXX adding it in making the balance XXXX 
After that was done, They next took the rent payment of XXXX dollars made on monday XX/XX/19 and back dated it to Fridays Balance of XXXX over drawing the account and from there they proceeded to process the weekends payments and monday 's cash withdraw over drawing the account for XXXX dollars a " pop ''. 
what the book keeping looked like till monday at XXXX XX/XX/19 deposit XXXX purchase XXXX balance XXXX XX/XX/19 - XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 deposit XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 XXXX pending deposit XXXX what happened after the booking was not properly processed.. 
XX/XX/19 balance XXXX XX/XX/19 deposit XXXX XXXX XXXX blue dot available balance XXXX XX/XX/19 XXXX XXXX XXXX XXXX XXXX available balance XX/XX/19 - XXXX XXXX XXXX XXXX XXXX  available balance XX/XX/19 - XXXX XXXX XXXX XXXX XXXX available balance XX/XX/19 XXXX XXXX XXXX XXXX available balance at this point a deposit came that was pending XXXX they added it to the XXXX making the XXXX that is below ... the XXXX is the upper booking keeping balance and is not red .... when the book keeping is in red it means the account is over drawn.. 
this account was never over drawn on weekend. it became over drawn due to there process ... 
XX/XX/19 balance XXXX XXXX XXXX available balance XX/XX/19 XXXX XXXX purchase XX/XX/19 XXXX XX/XX/19 XXXX XXXX purchase XX/XX/19 XXXX XX/XX/19 XXXX XXXX purchase XX/XX/19 XXXX XX/XX/19 XXXX XXXX cash atm XX/XX/19 XXXX XX/XX/19 XXXX this transaction looks like it being processed here when in XXXX fact it has been processed back on fridays date of XX/XX/19 against the positive balance. 
this had been going on for years with our account and it wasn't until is year at I have notices it happening.

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 2023-07-19
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information 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 2023-03-14
Company: Commonwealth Financial Systems, 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: Their investigation did not fix an error on your report

Complaint:
This company popped up on my report a few weeks ago and I never received any type of notice about it. I asked for it to be removed and be sent proper documents about collection. I then asked them to remove it also because it totals {$200.00} which is under the {$500.00} limit and should have not been placed on my credit any way. 

Company : Commonwealth Amount : {$200.00} I have no idea about anything else as I have never received anything from them regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: IL
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 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
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: Information belongs to someone else

Complaint:
Reporting inaccurate and unverified information to consumer reporting agencies which is harming my reputation as a consumer and hindering me from making necessary banking transactions. Reporting an alleged debt of {$1100.00} for an alleged unverified credit card. Reporting an alleged debt of {$2800.00} for an alleged unverified secured loan. Violations of 15 USC 1692b ( 2 ) -stating that I owe a debt. Violations of 15 USC 1692d ( 1 ) -harming my reputation as a consumer which is hindering my ability to conduct necessary banking transactions. Violations of 15 USC 1692d ( 2 ) -using obscene language that I, the consumer find offensive and abusive.

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 2023-11-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2020-01-09
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a microwave from home depot using the home depot credit card from citibank. The microwave was too big and we returned it. Home Depot said you can only return appliances for two days, afterwards they don't have to accept returns. I was told by the salesperson we had two days for returns if it was damaged. They got approval for the return but said that I had to pay a restocking fee, if I didn't they wouldn't accept it. They processed the return and gave me a credit of {$240.00} and had me sign for the transaction. They ran a {$37.00} fee through but never asked me to sign for it. I called Citibank and filed a dispute. I received a letter from Citibank a few days later saying since I was credited {$200.00} the matter was resolved. I called again and explained I was disputing the {$37.00} and was transferred to disputes and XXXX told me that Home Depot has the right to charge the fee. I asked why and XXXX said it was store policy. I asked to see the policy and XXXX said I would have to talk to Home Depot. I asked if they didn't have the policy how could they accept it and end my dispute. XXXX asked me if I wanted to escalate the matter to corporate, I accepted and she transferred me to Home Depot 's XXXX number. The operator told me that XXXX always did this to disputes. I assume XXXX does it to get people to quit fighting.

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 2021-02-03
Company: Rocket Mortgage, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was referred to Rocket Mortgage by XXXX XXXX. In XX/XX/XXXX, I spoke with a representative of Rocket ( XXXX XXXX ) about a mortgage to build a garage and complete landscaping on a house I was building. At the time I inquired about a mortgage, I told the representative that the house was about 85 % complete. He told me that to qualify for a mortgage, the house must have a functioning bathroom, a functioning kitchen, a functioning heating system, and that all the floors needed to covered with flooring or carpet. I was not told that I had to be actually living in the house at the time of the application. I told the representative that I thought the required work would be completed in a month and that I would be back in touch. In XX/XX/XXXX, when the work was completed, Rocket offered me a mortgage at an interest rate of XXXX XXXX and XXXX fees and I signed a document agreeing to the terms. I provided all the requested documents including all personal financial information except a copy of bills showing internet service and cell phone service. I explained that we did not have internet service and that the cell phone bills come to my office or to our rental house. Instead, I provided copies of the electric bill for the house that we were building. Rocket took no action on my application despite numerous inquiries I made about the status of the application. Sometime in XX/XX/XXXX, I was informed by XXXX XXXX, a Rocket/Quicken Loans consultant, that the application could not be processed as a conventional mortgage because we had not yet moved into the house. Instead, he proposed that the mortgage could go forward as a second home mortgage with no change in terms of the interest or fees. Several weeks later, I was told the mortgage could go forward only as an investment property mortgage but as such, the fee would increase from zero to XXXX While I considered this " switch '', the house was appraised by someone hired by Rocket. I decided not to pay the new fee and complained that I would not have started the process with Rocket and disclosed personal information if I had been told from the start that the fee would be XXXX  On XX/XX/XXXX, Rocket sent me a letter falsely saying I was denied a mortgage on the basis of " unverifiable information ''. In my view, Rocket engaged in textbook " bait and switch. '' While I did not lose money, Rocket obtained my personal information and wasted my time that I could have spent looking for other forms of financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on 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