BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-02
Company: AXOS FINANCIAL, INC.
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
On XX/XX/2021, Axos Invest updated its account services. Due to this update, I no longer had access to my XXXX and Personal Investment account. I spoken to nearly a dozen of customer service representatives, including an account manager, but I have not been told why my account has been locked. Axos Invest refuses to give me an updates or to inform when this issue will be resolved. Because of this lock, I am unable to add or withdraw over 80,000 dollars worth of investment funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: Commonwealth Financial Systems, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX my fiance ( now wife ) went to the emergency room at XXXX XXXX XXXX. She provided her insurance card to the hospital at the date of service, however the hospital failed to bill the insurance properly leading to no insurance payout. 

My wife did not hear a thing about this unpaid claim until 6 to 7 months after the procedure when a representative of the hospitals billing department mailed us notice of the unpaid claim. My wife spoke to the hospital billing department on several occassions during XXXX and provided them the insurance information for her provider at the time of the procedure but they refused to reprocess the claim with our valid insurance information at the time. 

My wife did not hear from the hospital again. It wasn't until XXXX of XXXX, when it was discovered that on a credit check for a refinance that this claim had been sent to collections and would affect our refinance. We found the name/number of XXXX XXXX XXXX and reached out to them to explain the problem and that we were not liable for the collection and asked them to remove it. My wife conducted a conference call between herself, the collection agency, and the entity that purchased her old insurance provider. The insurance provider discovered that no claim was resubmitted after the first claim had failed to go through. For this reason, the hospital didn't meet the 12 month deadline to resubmit the claim and the claim was barred. After the old collection agency spoke to her old insurance provider the collection agency agreed to let go of the claim and remove the claim from my wife 's credit report. 

It now appears that the old collection agency has sold this collection to a new collection agency and we are now again seeing an Illegitmate collection against my wife 's credit. Reattempts to continue to collect this claim after it was extinguished constitutes harrassment and predatory collection behavior that greatly affects our ability to obtain credit. 

Original creditor : XXXX XXXX XXXX Current creditor : XXXX XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX Amount due : {$850.00} Discounted amount due : {$630.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: EQUIFAX, INC.
State: GA
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:
According to the Fair Credt Reporting Act Section 609 Disclosures to consumers ( a ) ( 1 ) ( A ) companies are required by Federal Law to verify debt. Upon seeing XXXX XXXX XXXX XXXX XXXX on my credit report, I have disputed this account and demanded that the account be validated. Not only has the original debt collector NOT provided validation of the debt with original contracts bearing my signature, but they have forwarded the debt to XXXX, XXXX XXXX XXXX, XXXX. I believe the credit agencies and XXXX XXXX  are violating the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: Army and Air Force Exchange Service
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted XXXX XXXX XXXX To set up a payment plan too pay off a {$5100.00} debt for the AAFES Military Star Card . When I called, they informed me that I actually owed more than what the statement they sent me stated, almost {$1000.00} more. They stated that they have a 18 % interest rate, but on the letter sent to me it stated 19.24 % annual. This amount is way more than the interest date that I had with the Military Star Card. So every month, I am being charged about {$77.00} in interest. We are a military family and move often, currently residing in Oklahoma, so I am not sure if what they are doing is legal. I set up a payment plan, of {$200.00} a month an it has me making payments until 2020. How can I get caught up on the balance with such a high interest rate?
Any advise or assistance that you could provide me will be very much appreciated. 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 explanation
Consumer complaint received 2019-11-15
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I DID NOT AUTHORIZE THOSE INQUIRIES ON MY CREDIT REPORT. PLEASE HAVE THEM REMOVED OFF MY FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been abused and deceived by USAA Federal Savings Bank. USAA Federal Savings Bank has knowingly and willfully violated the Truth in Lending Act. Truth and Leading TILA The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I am a Consumer and Veteran who has fought for this Country and USAA Federal Savings Bank would rather use misleading information and deceptive forms to collect on an alleged debt that has been paid for through a consumer credit transaction. This is unauthorized use of my credit card 15 USC 1602 ( p ). Please see attached

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: U.S. BANCORP
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My US Bank debit card was locked the evening of XX/XX/20 due to suspicious activity. This was legitimate activity and I figured would be quick to resolve. I was emailed a number to contact the fraud department to unlock the card. I tried multiple times to contact the fraud department at XXXX but am put on hold and after 30 minutes an automated message states that no fraud specialists are available at this time and ends the call. I called my local US Bank branch and they said they are unable to assist me and I have to go through the fraud department. They said I can't come into the branch to resolve the issue. I have no access to my debit card or any funds as the branches are closed for the weekend. I can't even believe that this is legal.

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 2021-02-02
Company: EQUIFAX, 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:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! I will call my lawyer ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
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:
I've contact this creditor several times concerning these accounts. I never opened the accounts or benefited from the use of the accounts in any way. The accounts were opened shortly after my identity was stolen which I've explained several times. I also haven't received anything with my signature validating that these accounts are mine.

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 2018-07-11
Company: William C. Grossman Law, PLLC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a call from a local number XXXX, so I answered and a gentlemen explained that this was a collection attempt on a credit card that they were hired to collect on, I explained that I am not able to make a payment arrangement and that I am currently staying with a friend temporarily, and he said that he will let the rep know that originally called and the next time they contact me it will be through a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient did not disclose that it does not participate in the federal loan forgiveness program. I am a XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: Army and Air Force Exchange Service
State: MO
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:
The Army Air Force Exchange Service ( AAFES ) refuses to stop reporting a derogatory item against my personal credit report despite presentation of documentation that proves the existence of mitigating circumstances tied to active duty military service. After I was ordered to active duty from the reserve component, an automatic allotment that I had setup to make automatic payments against my open XXXX XXXX XXXX ( credit card offered and managed by AAFES ) did not immediately carry over. I was ordered to attend an intense military training pipeline that spanned approximately 20 months and included multiple short-notice relocations during that timeframe ( see attached sets of orders ). Additionally, the Creditor is in violation of the Fair Credit Reporting Act because I was never provided prior notification of pending material changes to my credit report. It was only after reaching my final base that I learned something was wrong. One of my paychecks was approximately XXXX smaller than normal. Upon reconciliation of the reserve and active pay systems, the XXXX and XXXX XXXX XXXX ( XXXX ) automatically sent a single payment to close the remaining outstanding balance still open against the account held by the named Creditor ( reference the attached Leave and Earnings Statement ). In effect, by the time I realized something was wrong, the Creditor had already sent the account into collections. The Creditor claims to have sent notification ; however, the last address they had on file was my reserve unit HQ building -- even though this makes no sense as the XXXX XXXX is a personal credit card requiring a residential address during the application/sign up process ( which I provided ). Personnel at my reserve unit were not able to verify receipt of any personal notifications addressed to me from AAFES during my absence. 

I have attempted to work directly with the Creditor and all three Credit Reporting Agencies XXXX see attached email correspondence and dispute letters XXXX. I have even retained legal representation ( see attached legal notices from XXXX XXXX XXXX ). The Creditor states that the decision rests with the CRAs. The CRAs state that the decision rests with the Creditor. All involved parties refuse to coordinate and simply shift the responsibility. I have already filed a complaint against the CRAs, but was unable to also list AAFES. This complaint is specifically intended for the named Creditor.

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 2021-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 STILL HAVE ITEMS REPORTING ON MY CREDIT REPORT THAT ARE NOT CORRECT AND IV'E BEEN TRYING TO GET A RESPONSE FROM THE CREDIT BUREAUS FOR SEVERAL MONTHS.

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 2018-02-11
Company: Experian Information Solutions Inc.
State: NC
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:
There are many mistakes appear in my report without my understanding.

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 2022-08-05
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2019-05-27
Company: EQUIFAX, INC.
State: LA
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 no knowledge of the following account XXXX XXXX. Please investigate to ensure there is no fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been abused and deceived by USAA Federal Savings Bank. USAA Federal Savings Bank has knowingly and willfully violated the Truth in Lending Act. Truth and Leading TILA The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I am a Consumer and Veteran who has fought for this Country and USAA Federal Savings Bank would rather use misleading information and deceptive forms to collect on an alleged debt that has been paid for through a consumer credit transaction. This is unauthorized use of my credit card 15 USC 1602 ( p ). Please see attached

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: CHECK INTO CASH INC.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I got a loan in 2016 I have paid it off but im still paying it now. I got a loan for XXXX the principal are very high im still not done with it but I have paid this loan off twice. I need this problem fix asap

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
See attatched FTC ID THEFT case XXXX. I began experiencing UNAUTHORIZED CHARGES on two credit card statements, USAA CREDIT CARD & XXXX CREDIT CARD XXXX XX/XX/XXXX. See attatched XXXX  XX/XX/XXXX LETTER XXXX CONFIRMING UNABLE TO LOCATE A CREDIT FILE. These requested documents were sent to XXXX 2 times & TO NO AVAIL?? ( How can a credit score on me from XXXX be ACCURATE WHEN CLEARLY THEY HAVE NO FILE ON ME?? ) ** I HOLD XXXX ACCOUNTABLE FOR THE ID FRAUD THEFT I HAD ON BOTH THESE CARDS JUST AFTER THEIR BREACH OF XXXX. ALL MY INFO IS SOLD ON BLACK WEB TO HAUNT MY FUTURE TRANSACTIONS WITH RISK. I am XXXX years old on limited income paralized hand XXXX I CAN NOT AFFORD THIS HUDGE LOSS. I AM A TARGET BY PROFILE WITH NO PROTECTION. XXXX XXXX PUT PROFIT OVER PRIVACY with GREED OVER PEOPLE XXXX NEEDS TO BE HELD ACCOUNTABLE AND PAY RESTITUTION TO CONSUMERS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Company is reporting incorrect date of first delinquency preventing old charge off account from being deleted from credit reports.

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 2019-05-27
Company: EQUIFAX, INC.
State: LA
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 never missed a payment on the following account XXXX XXXX.  Please investigate to ensure the correct information is reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I was setup to get my loans out of Default with Navient and after the final payment on XX/XX/2018.  I was informed my loans would be moving from them come XX/XX/2018. My loans are still with them. I called them on XX/XX/18. I was transferred to 8 different departments and no one could provide me with my loan information and where it is currently at.

Company response to consumer: Closed with explanation