BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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 used my USAA Visa to secure a rental slingshot shortly after Covid19 restrictions began to lift. The transaction date was XX/XX/20 for {$270.00}. The originally scheduled rental/pickup date was XX/XX/20. Due to the heavy downpours I contacted the company spoke with the XXXX who I recently came to find out was the owner XXXX XXXX and he agreed to reschedule the rental for XX/XX/20. I received 3 calls from XXXX one of which was to apologize because he could not go through with the rental due to mechanical issues and he would issue the full refund. After receiving my credit card statement on XX/XX/20 I immediately contacted the business and was advised the charge was reversed on XX/XX/20 when he called me to cancel. Within 5 minutes of that call I contacted USAA to file the dispute. When I attempted to logon to the website and download their terms and conditions for USAA it was inaccessible and still is. They shut down completely. The phone number is disconnected. I thought I would be protected against something such as this which was the reason for using the USAA card. 

USAA in their first letter dated XX/XX/2020 advised We may also contact the merchant for information related to this transaction which I am not sure if that was done or not. If so I never received a copy of the merchants response. 

USAA in their second letter dated XX/XX/2020 requested A detailed letter explaining the dispute and A copy of the Credit Transaction Receipt. I immediately provided my detailed letter and a copy of the emailed receipt because the reservation was done online. The receipt does not indicate any language regarding rescheduling and/or cancellation. 

USAA in their third letter dated XX/XX/2020 denied the dispute and stated A review of our records indicates that the requested information necessary to continue our investigation into the disputed transaction was deemed insufficient. Based on existing information in our record, there is insufficient evidence to support your claim. As stated the transaction was conducted online. The company called me and cancelled and then closed up. All I had from them was the emailed receipt. What is USAA expecting me to produce? They do not have my signature because I never picked up the rental. 

I am a consumer who made a legitimate purchase with a company that was active and closed down without providing the service I paid for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-28
Company: EQUIFAX, INC.
State: WA
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:
This not a DUPLICATE report and this is not filed by a XXXX XXXX. 

In accordance with the Fair Credit Reporting Act XXXX these accounts below have 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. Account Name : U S DEPT OF EDXXXX Account XXXX XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this collection for the past couple months. Experian has stated that this account was verified, but has failed to provide verification. The collector only provided me with a screenshot of an itemized statement of charges. They did not provide me with any original contract bearing my signature proving this debt.

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 2019-08-30
Company: MoneyLion Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Contacted XXXX/moneylion about paying off full balance on my account. Made a call to them Monday XX/XX/XXXX. At that time I made a debit card payment of my full balance amount. Was told by XXXX that the payment would go through in three hours. I called today Friday XXXX because I had not received any email correspondence. Was told by XXXX that the payment was not processed due to their system was down. They were notified about their system being down on Wednesday the XXXX. I should have gotten a courtesy email or call, but didnt. Now Im forced to pay extra four days worth of interest on an issue that was not my problem in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-20
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
The Cash App by Square is a service that I use to purchase, store, and send/receive both digital ( bitcoin ), and USD currency, as well as buy and sell stocks. This company disabled my ability to add conduct any transactions whatsoever, without notice, and upon inquiring about it, they've informed me that my adverse action has been taken on my account by closing it. They will not provide the specific reason for this adverse action except to cite internal policy which gives to information pertaining to my conduct when using their services. I have committed no violations of any of their Terms of Agreement ; and they refuse to provide any additional information. Furthermore, they did not provide the required contact information in their mailed notification ( s ) per CFR 12.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: Experian Information Solutions 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:
I applied for a loan today XX/XX/19 and I was not approved because there are inquiries and an account with negative history appearing on my credit report. None of those items belong to me. I do not have any type of contract or agreement with any of those companies nor have I ever had an account open with them. I don't know who opened this account and made these inquiries using my information but I have never given anyone permission to do so. I did not benefit anything from these inquiries and account such as money, goods, services or any other benefit and I never participated in any purchases or payments in regards to those items. I have already filed a police report regarding this suspicious activity on my 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 non-monetary relief
Consumer complaint received 2019-04-01
Company: Experian Information Solutions 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:
Hello Consumer Finance, My name is XXXX XXXX and my dispute is with Experian giving me a very low credit score verse XXXX and XXXX. My credit scores with XXXX XXXX and XXXX  is a XXXX. 
Experian is giving me a XXXX based off the same creditors information provided to all three credit reporting companies. 

I made contact with Experian on XXXX2019, XXXXXXXX2019, XXXX19 and XXXX19 through email and my online communication was with XXXX, Experian Social Support Rep. 

I have paid my creditors on time and my debit/Credit utilization is 1 %. I can not believe Experian rating is 95 points less than the other two credit reporting companies. 

Best regards, 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 2023-08-25
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
They have marked me for late payments that are not true. The times that were marked late, I made payments for which they were having trouble processing my card but my card always had money. It was in their part and I spoke to representatives on the phone multiple times about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
One main financial has been repeatedly harassing me. They have repeatedly called me at work after myself and my boss notified them I can not re have personal calls during business hours. It got to the point where my boss has to have a conversation with me about them harassing and calling everyday. They have interrupted my day numerously. They have threatened to sue me and garnish my wages. The representatives were never pleasant or positive. I have talked to them several times making them aware of my decreased financial income. I was in a car accident t in XX/XX/XXXX and a horrific life changing auto accident end of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: Supreme Lending
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We have a complaint against XXXX XXXX XXXX NMLS ID XXXX ) of Everett Financial , Inc. ( dba Supreme Lending ). We applied for loan financing with a 16-day financing contingency clause. On the evening of the XXXX day when it was due to expire, we requested either a written commitment to lend or a written declination letter. They refused to send us either. Therefore, in order to save our earnest money ( {$11000.00} ), we asked them to send us a declination letter so we could unilaterally terminate the purchase and sale agreement. XXXX XXXX told us she would send that to us several times, but we did not receive it. It has now been 35 days since the contingency expired and we still have not received any written approval or denial. Our earnest money is now being disbursed to the sellers. We simply do not understand what we could have done differently to not be put in this position. 

We had previously lost {$22000.00} in earnest money with this same broker ( XXXX XXXX XXXX Everett Financial Inc. dba Supreme Lending ) on another purchase and sale agreement. We trusted her word that we were approved. However, once the financing contingency expired, we were then told we were declined leaving us no alternative but to lose this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: JPMORGAN CHASE & CO.
State: OR
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, XXXX AUTOS add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2020, JPMCB - CARD SERVICE add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, 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:
My personal information was used to open accounts in my name. Those accounts do not belong to me and i would like to have the credit bureaus remove the fraudulent information. I have sent them letters and reports explaining this information. I have reach to the companies involved and now I am reaching out to you. 

XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX. {$250.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX. {$680.00} XXXX XXXX {$710.00} XXXX XXXX XXXX {$880.00} XXXX XXXX  {$360.00} XXXX XXXX {$9900.00} XXXX XXXX. {$5500.00} XXXX XXXX XXXX. {$100.00} XXXX XXXX XXXX XXXX {$0.00} DEPT OF EDUCATION XXXX  XXXX {$12000.00} DEPT OF EDUCATIONXXXX {$35.00}, XXXX DEPT OF EDUCATION XXXX XXXX {$27000.00} DEPT OF EDUCATION {$0.00} XXXX XXXX XXXX  {$0.00} XXXX BANK XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Money was transferred through Wells Fargo on a XXXX account. A complaint was filed with Wells Fargo informing the person never sent the purse. A request was made to Wells Fargo to return the money and Wells Fargo said no. Wells Fargo should not be doing business with XXXX. Wells Fargo needs to note this on their Web-site and try to do more to help people from being scammed. 

Wells Fargo was on the news last year for fraudulent bank accounts which sounds like Wells Fargo doesn't have a problem taking money from people. And now Wells Fargo will not return my money. 

Date of Transaction : XX/XX/2019 XXXX # XXXX XXXX {$400.00} 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 2021-05-20
Company: EQUIFAX, 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:
I received a copy of my most recent credit report and found an old account that should no longer be reported. The data furnisher is reporting incorrect information. The date of the last activity on this account is older than 7 years. This account should no longer be reporting on my credit report. The name of the account is : XXXX XXXX XXXX with a reported balance of {$530.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!!

I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXXXXXX, XXXX XXXX  and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXXXXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
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: Public record information inaccurate

Complaint:
Equifax is erroneously reporting a Bankruptcy on my credit report. I have requested that remove it, but it still on my credit report. 

Enclosed are documents that the XXXX Bankruptcy Court and the reporting agency that will verify my assertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!!

I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they have violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I do not give Equifax written permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX  Balance {$2500.00} Balance updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX Balance {$2300.00} Balance updated XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Balance {$3400.00} Balance updated XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
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: Their investigation did not fix an error on your report

Complaint:
I need to report the following accounts listed below for violating the Fair Credit Reporting Act ( FCRA ). Theyre claiming I was lates on these accounts but their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617I need them to correct their records or be held accountable for their actions. The information is creating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please have this matter resolved ASAP XXXX XXXX XXXX XXXX XXXX Balance {$900.00} ; XXXX XXXX Balance {$1400.00} ; XXXX XXXXXXXX XXXX Balance {$0.00} ; XXXX XXXXXXXX Balance {$0.00}

Company response to consumer: Closed with explanation