BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX I purchased a vehicle I found on XXXX. The vehicle was listed by a dealership in XXXX XXXX Indiana. All pricing/delivery terms were agreed to. The selling dealership proceeded to fax in the documents required for funding. The bill of sale the dealership sent was not the original that I signed. USAA released the funds to the dealership which opened the loan in my name. The dealership committed fraud by not delivering the vehicle. I called USAA as soon as the delivery time was missed ( within a few days ) to inform them of the fraud situation and they refused to help. I uploaded the police report to USAA 's portal and requested the bank 's Fraud department to investigate and cancel the invalid loan. I have no vehicle title to send to the bank as the vehicle that was " sold '' to me actually belongs to it's rightful owner in another state. Now this open loan will show as a lien on a innocent bystander 's vehicle that has no idea of the situation. 

My loan contract contains a clause stating that I am giving USAA a security interest in a XXXX XXXX XXXX XXXX but this clause is not met because a legitimate vehicle purchase never took place. 

Additionally, I understand that both USAA and the bank that received the funds ( XXXX XXXX XXXX XXXX ) have policy 's and protocols in place to protect consumers from fraud. ( Bank Secrecy Act, 31 U.S.C 5311 / FINRA Rule 3310 ) I have been a USAA customer for over 10 years and both USAA and XXXX XXXX  XXXX XXXX failed to protect me as a consumer. I am requesting the CFPB to investigate this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to request your help. I am a victim of identity theft. I tried to solve this matter with Best Buy CBNA in the past. Back on XX/XX/XXXX, they received a demand for validation letter from me delivered via certified mail. I was never aware that this account was fraudulently opened. 

As purchasing tv, I did put in SSN. They setup for credit card and I told them not to open it. I thought it was cancelled at the store before even opening. I never used the account. I never got {$320.00} on that card, never even activated card. 

As of today they have failed to provide me with the proof I have lawfully requested. This fraudulent account being reported to the credit bureaus is a violation under the FCRA. 

Account is the following : BestBuy CBNA Account # XXXX. Opened date : XX/XX/XXXX. Limit : {$500.00}. Balance {$330.00}. Status : Closed. Please help me to solve this issue, since they are committing a violation of the Fair Debt Collection Practices Act and Defamation of character.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-01
Company: Comerica
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
on XX/XX/2019 I was charged XXXX for a service I no longer have with XXXX. I tried calling direct express to dispute the charge but it would not let me. I was unable to speak to anyone. I called over 20 times and it kept giving me the same response it could not help me. I deactivated the account with company over a month ago and they are still taking my money. and I want it stopped and I want my money back in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Issue: APR or interest rate

Complaint:
Care Credit XXXX charged {$620.00} of interest in XXXX year for a {$2000.00} charge, despite the fact that I made regular monthly payments throughout that year. I feel the company is overcharging me, and their explanations make no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: Utah System of Higher Education
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I am being harassed by XXXX ( XXXX XXXX XXXX XXXX XXXX ). I have told them that I am dealing with the forbearance request and to stop calling me. They call me on my cell phone 3-4 times per day after I told them to stop. Sometimes when I answer the call they just hang up on me. I am very frustrated with this distraction in my life and wish they would stop harassing me. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
An incorrect charge came through to my Barclay 's credit card in XXXX XXXX. After going through many different departments to try to rectify the charge Barclay 's has been unable to progress my case further. I have had several phone calls on a minimum of a monthly basis with Barclay Card. 
Most recently I had a manager call me in XXXX XXXX and she agreed this is a strange case and said she would look into it more and help me. It is now XXXX XXXX and the charge is still on my card, gathering interest. Every time I call the company or the company calls me it ends without resolve. The charged happened at a hotel and the hotel has no record of the disputed charge on their side.

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 2021-06-02
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:
Last year I discovered a false account with XXXX XXXX and XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX and XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but both have refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Navient Solutions, LLC.
State: TN
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 disputed this company many times. They stopped reporting to one of the credit bureaus but still report to XXXX. These accounts are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I purchased a car on XX/XX/2019. I was not told nor did I allow my credit to be ran over 4 times. Now I'm left with multiple inquiries for 1 car and I haven't get approved for anything due to excessive inquiries.

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 2019-10-01
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: Personal information incorrect

Complaint:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I SENT THIS COMPANY A LETTER DISPUTING TWO CHARGE OFF 'S THEY CLAIM IS MINE AND THEY DID NOT SEND ME INFORMATION VALIDATING THAT IT IS MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX account XXXX is appearing on my XXXX and XXXX credit bureaus.it has been deleted from XXXX.ERC is a collection agency for XXXX the original creditor.At the time of the problem I contacted XXXX regarding numerous unauthorized charges.In contacting XXXX multiple times to resolve the problem, XXXX kept escalating my calls to higher authority and long hold times without answering.The issues were kept in a state of limbo by XXXX without ever addressing or resolving the problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: Commonwealth Financial Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
DEBT WAS DELETED FROM XXXX ON XXXX AS RESULT OF IDENTITY THEFT. IM ASKING THAT THIS DEBT BE REMOVED FROM " ALL '' CREDIT REPORTING BUREAUS ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
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: Credit inquiries on your report that you don't recognize

Complaint:
I purchased a car on XX/XX/2019. I was not told nor did I allow my credit to be ran over 4 times. Now I'm left with multiple inquiries for 1 car and I haven't get approved for anything due to excessive inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: Capital Accounts, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have never heard of this company, and they have never contacted me ( by mail, email, or on the phone ). I only found out about this so called debt by looking at my credit report on XXXX   because they sent me a notification that my collections balances went up. I logged in and saw this supposed account ( opened XX/XX/2016 ) that says its for a doctors office ( XXXX XXXX XXXX MD ) that i have used in the past, but the balance was over {$1000.00} more than the only bill i ever got from that Dr. ( current amount is {$1600.00} and the only bill i ever got from the dr was for something around {$250.00} ). I tried disputing it, but was told its a valid debt. They keep adding fees every month but still have never sent me a bill. I am afraid to contact them to find out how they came up with this amount i owe, but i'm afraid i will start to be harassed ( which not contacting me and keeping charging me fees is harassment in my eyes ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: Experian Information Solutions Inc.
State: NC
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:
60 days ago, I sent an investigation request to Experian. They are supposed to respond with the results within 30 days, but so far, I have not received anything.

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 2019-10-01
Company: AES/PHEAA
State: PA
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:
I currently have 12 direct federal student loans, being serviced by Fed Loan Servicing ( AES/PHEAA ). My loans were transferred to Fed Loan Servicing in XX/XX/XXXX. From XX/XX/XXXX until now ( XX/XX/XXXX ), I have worked for two different, qualifying PSLF-employers. Since XX/XX/XXXX, I have made 29 qualifying payments under PSLF. I  have been very careful about recertifying my income-based repayment plan each year and re-certifying my employer by sending in an updated form each year. Even though these recertifications are burdensome and force borrowers unnecessarily into forbearance during the time it takes to process them - I have completed them. This past year, it took Fed Loan Servicing 4 MONTHS to complete my REPAYE certification - that is four months that I was ready, willing and able to make on-time, qualifying payments towards my 120 total payments. Instead, now my 10 years of payments will be delayed for an additional four months. If it takes Fed Loan Servicing 4 months to recertify my payment plan each year, I will be forced to pay into PSLF for an additional 28 months - extending my payments into a 12+year period. 

I have called Fed Loan Servicing on two separate occasions to ask for a PSLF qualifying payment update - once in fall XX/XX/XXXXand just today, XX/XX/XXXX. I do not trust Fed Loan Servicing or the PSLF program to approve my 120 payments unless I have documentation issued by Fed Loan Servicing saying that I have made X number of payments. This is extremely important to me - I am making life decisions based on the life of these loans, which have compounded ( now over {$300000.00} ) since I completed law school. These loans are affecting my mortgage, my child 's education, my profession and my retirement. I need to qualify for PSLF in as close to 10 years as possible under this program. 

My request is that Fed Loan Servicing issue me an updated PSLF qualifying payment update and that recertifications are handled expediently and do not require borrowers to go into forbearance or extend the life of their loan to wait for Fed Loan Servicing to recertify their monthly payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-20
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:
On XXXX XXXX, 2017 a certified letter ( see attached ) was mailed to Experian about the public record reporting negatively on my credit report. In this letter it describes how maintaining this unconfirmed, unverified, and erroneous public record on my credit report has stopped me from obtaining credit and has caused financial damages as a result. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL FURNISHER, they must remove said information from the consumer credit file. I have called the clerk of Court and also obtained written evidence supporting the fact that Experian despite what it says in it 's response letter did not obtain information about a Bankruptcy from a credible original source. Experian continues to maintain incorrect unverified accounts on my credit report but by far this reporting is the more egregious of them all. Experian is in direct violation of Federal Consumer laws put in place to protect the integrity of the reporting process and consumer 's rights to fair and lawful reporting. Experian sent a response letter dated XXXX XXXX, 2017 stating the public record was " verified and accurate '' which is a complete fabrication. ( See attached ) Experian of course will never be able to provide me copies of all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature because it NEVER CAME FROM THE ORIGINAL SOURCE AS THE FEDERAL LAW REQUIRES. 

Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), Experian is required by federal law to verify through physical verification of the original court documents all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. 

So Experian must be calling the County Clerk a liar because the evidence is clear that this information was illegally obtained by nefarious ways to malign my good name and credit and is clearly a violation of ethical proportions.

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 2018-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has come to my attention that payday lenders must be licensed by the state of Florida in order to offer loans to its residents. Since XXXX has no license in my state, the loan contract I have with them is not valid. They also subsequently changed the terms of the loan agreement on XX/XX/2017 without receiving my affirmation of the changes. I am hereby requesting they remove any and all reporting they have made to any applicable credit bureau. The basis for their reporting is not valid.

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 2021-08-06
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
In the past and before I become a permanent resident in US, I was told by PayPal to create a specific account dedicated to the US transactions, payments and credit cards. I therefore created this separated account as directed by the PayPal Support and while I was updating my mobile phone data, address, banking details etc. I received yesterday a messages saying " After a review, we decided to permanently limit your account as we found potential risk associated with it. '' There is neither an offered way to dispute the decision nor there is any transparent explanation justifying such decision. My account is new, there is no transaction and as such the criteria for such decision are only based on personal information and/or other data collected through credit card emitters and their XXXX. This very adverse decision represent an real unfair eviction, and privation of access to a mainstream payment facility as PayPal is widely used at many online vendors but also more and more physical point of sales. In addition, not disclosing the reason of such decision forbid resolving errors or data misinterpretations in systems leading to unfair treatment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed inaccuracies regarding credit inquiries with Transunion. Transunion states that these inquiries have been validated, but they have not been properly verified. 

Per my request, I asked that they submit documentation that these inquiries belong to me ( i.e. my signature, handwriting ), showing that I consented to the inquiries, I have not gotten any documents just that they have been verified. I have advised Transunion that using XXXX is not the correct procedure for verification. 

I have submitted a letter with the list of incorrect issues that I am consistently disputing. Again, I am requesting that the creditor and Transunion provide documentation bearing my signature for consent. 

Please see attached.

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 2019-03-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am trying to manage security freeze online on equifax website. 
I was able to login but when trying to manage the freeze I got message that additional identification information is needed. 
In equifax customer center I was told that I need to send copy of my driver license and copy of my social security card. 
So from last XX/XX/XXXX(! ), every two weeks, I'm sending this documents to them but I still can not manage my freeze online. 
Customer service is saying that documents are received, and then asking again to send them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-30
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation