BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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:
See attatched CREDIT CARD FRAUD CLAIM LETTER dated XX/XX/XXXX. UNAUTHORIZED TRANSACTIONS {$470.00}. ( USAA HAS HELD ME LIABLE FOR THIS FRAUD ) see attatched CFPB response XX/XX/XXXX XXXX XXXX determined you reported total fraud {$810.00}. WRONG AGAIN see attatched CREDIT CARD FRAUD CLAIM LETTER {$470.00} ** IS THE TOTAL FRAUD I REPORTED XXXX XXXX with MERCHANTS CREDITS OF {$340.00}. Only {$470.00} REPORTED?? SO WHY DID USAA HOLD ME LIABLE FOR THIS {$470.00}. see attatched XX/XX/XXXX statement for review CONFIRMS ONLY {$470.00} COULD HAVE BEEN REPORTED FRAUD. XXXX XXXX {$120.00} & XXXX {$210.00} MERCHANTS CREDITED. AGAIN WHY WAS I HELD LIABLE FOR THIS FRAUD OF XX/XX/XXXX {$470.00}???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: EQUIFAX, INC.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My Equifax score suddenly dropped by XXXX points on XX/XX/21 with no negative changes to the factors influencing my score. I called Equifax and they were unhelpful and directed me to consumer credit counseling. I want to understand the change in my score. My other scores remain high. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My agency send me my salary in paypal for almost 5months now and last month XX/XX/2021 i was expecting that i get my salary again but when i checked my balance i have XXXX balance in my paypal. That's why i checked my email and its say 's that my money is been hold. Then i provide the information they asked. Then they emailed me again after a week. And it's say that i can't no longer use my paypal account and wait for 180 days to get my money. But i don't have balance in my paypal account, nothings indicate there that i have money on hold in 180 days. I am not sure if this is some mistake that i assume it has to be. I have not been able to get help from them for a month and someone tell me that i could file a report here as i feel that they not doing there job properly and it's effecting me a great deal as i used Paypal to get my salary from my work. Paypal closed my account for no reason. Please help me get my salary. My email linked to my Paypal is XXXX. please thankyou and Godbless. I hope that everything will be ok.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Citibank is allowing XXXX XXXX  to continue making withdrawals without my permission.

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 2021-11-02
Company: Experian Information Solutions Inc.
State: TX
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:
Received multiple credit inquiries on my account that were not made by me. Here is the list below. Ive put a freeze on both my XXXX and Experian credit reports as of right now. 

XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXXXX/XX/2021 2021

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 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Please remove this inaccurate 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 non-monetary relief
Consumer complaint received 2019-02-23
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: Problem with personal statement of dispute

Complaint:
In XX/XX/ 2018 I sent letters to XXXX, Transunion, XXXX and XXXX XXXX asking for proper verification of a two bankruptcies that on my credit reports. None these companies were unable to provide direct verification from the bankruptcy court of XXXX Ohio. I have a letter from the bankruptcy court stating they don't provide information directly to credit reporting agencies. In fact XXXX  states on it dispute reports that they use XXXX which is a third party to verify this information. Outside of getting dispute results reports back none of these companies have sent me how exactly they are verifying this information that is on my credit report. I have asked several times and they are unable or unwilling to provide additional information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: Receivables Performance Management, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There's a collection showing on my credit in the amount of {$2500.00} and original creditor was XXXX XXXX. The collection company is receivables Performance who were rude and not helpful when I called. My name is common and I have never had an account with XXXX which they acknowledge. The collection agency won't listen to me and aren't willing to investigate it with XXXX, they just want their money. I don't owe this money and I really am upset because this is ruining my credit. I disputed through the bureaus and they haven't responded so I am hoping that your institution will take action in my defense. 

Thanks 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 2018-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
On Friday XXXX XXXX I had called CapitalOne requested a credit limit increase and what are the factors looked on when giving a credit limit increased. Instead of receiving a increase the agent on the line decrease my credit limit, she tried to fix it but she couldnt so she transferred me to her supervisor who advised me that I would hear from a credit speacailist on Monday XX/XX/XXXX or Tuesday XX/XX/XXXXof the following week. I had waited until Thursday XX/XX/XXXX and I havent received a call from the credit specialist nor anyone from CapitalOne, so I called to find out whats going on I was told by another agent that there was no case for my issue and she put me on hold where the called got disconnected. I re-called CapitalOne once more and ask to speak to a supervisor who advise me that he will start a new case for my account which I was now frustrated because all the misleading Information that I have been receiving I ask for my account to be closed. Now I have checked my credit report and its sating that I have requested a decrease on my account, account is closed and a negative remark from CapitalOne. I called CapitalOne today XX/XX/XXXX and the agent is letting me know the reason for my account being report like that to the credit bureaus is because I requested that way. Which just display poor customer service customers who uses there service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-03
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
XXXX XXXX IS TRYING TO COLLECT A DEBT THAT WAS PAID ON THE DAY OF THE XXXX IT WAS PAID TO XXXX XXXX XXXX. I TOLD XXXX XXXX NOT TO CALL MY WORK BUT THEY CALLED ANYWAY AND CONTINUED TO CALL WORK NUMBER THIS DEBT WAS PAID IN FULL THE DAY OF THE XXXX PLUS I WENT XXXX IN THE XXXX THE XXXX WAS DONE ON, THIS WAS CAUSED BY THE XXXX SO I WANT HIS REMOVED FROM CREDIT REPORTS AND NO MORE CALLS MADE TO ME OR MY WORK

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 2019-02-23
Company: First Associates Loan Servicing LLC
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: Account status incorrect

Complaint:
This is the second time in 18 months that XXXX has inaccurately reported my account as not current. The company is DBA - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX They have just reported my account 30-59 past due. On XX/XX/XXXX I actually paid my account in full. The email I sent to the company is below. They won't respond and can't be reached. I suggest you contact both XXXX and the company they are DBA as who they might have sold the loan to. 


XXXX XXXX XXXX XXXX XXXX ( 11 minutes ago ) to inquiries I am in the middle of a home purchase and just paid this loan in full. It was paid in one week ago in XXXX. 

Your last credit update to XXXX shows this loan as 30 days past due. It has never been 30 days past due. I am simultaneously filing a policy report, claim with the Florida AG, and a complaint with the CFPB. Your are egregiously impacting my home purchase. I demand a call immediately and an update to the credit bureaus showing my account paid in full and NEVER late. 

My last 4 payments to your company which I am pulling directly from my bank statements : - XX/XX/XXXX - {$400.00} - XX/XX/XXXX - {$400.00} - XX/XX/XXXX - {$350.00} - XX/XX/XXXX - {$370.00} - XX/XX/XXXX - {$6300.00} ( paid in full )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 hope this message find you well. I am submitting this compliant for the 4th time to follow up for the remaining items on my report which are unauthorized and were resulted from identity theft. Once more I am asking for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove any items listed on an identity theft report. Once again, please find the required documents to assist in the removing of the erroneous information which is being posted on my report : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$870.00} XXXX XXXX XXXX  XXXX  XXXX Balance Owed : {$410.00} XXXX XXXX  XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX Balance Owed : {$15000.00} XXXX : XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$410.00} XXXX XXXX  XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX Balance Owed : {$15000.00} TRANSUNION  : XXXX XXXX XXXX Balance Owed XXXX {$870.00} XXXX XXXX  XXXX Balance Owed : {$2500.00} 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 non-monetary relief
Consumer complaint received 2020-05-27
Company: Bread Financial Holdings, Inc.
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received the following threat to close my account and they will report it closed to the credit bureaus if I dont make a purchase soon. Below is the main part of the email : Were Comenity Bank and we handle everything related to your Victoria 's Secret XXXX Credit Card account.

You may not realize it, but your Victoria 's Secret XXXX Credit Card account hasnt been used since XX/XX/XXXX Thats why were planning to close your account on XX/XX/XXXX. This means you wont be able to make any more purchases with this card and well let the credit bureaus know your account is closed. 

Want to keep your card active? Please make one purchase by XX/XX/XXXX Wed love to continue having you as a Victoria 's Secret XXXX Credit Card customer. So were inviting you to keep your account open with a single purchase but you must make it by XX/XX/XXXX. Otherwise, your account will be closed on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: CITIBANK, N.A.
State: RI
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: Card was charged for something you did not purchase with the card

Complaint:
Pursuant to complaint number XXXX Citibank provided copies of statements that they had stopped delivering. The statements show that the card remained enrolled in the automatic payment program wherein the minimum payment should have been made each month. Citibank, for some reason stopped this in XXXX and that is in part how the account went delinquent. The other problem is that Citibank allowed and posted unauthorized charges in the amount of {$240.00} ( see below ) and charged three late fees ( which are because they stopped the automatic payment ) of {$27.00} on XX/XX/XXXX, {$38.00} on XX/XX/XXXX and {$38.00} on XX/XX/XXXX. The unauthorized charges ( which made the account go over limit ) are : XXXX on XXXX for {$21.00} XXXX XXXX XXXX on XX/XX/XXXX for {$19.00} XXXX XXXXXXXX on XX/XX/XXXX XXXX XXXX  {$45.00} XXXX on XX/XX/XXXX for {$24.00} XXXX XXXX on XX/XX/XXXX for {$48.00} XXXX  XXXX on XX/XX/XXXX for {$48.00} XXXX  XXXX on XX/XX/XXXX for {$9.00} XXXX  XXXX on XX/XX/XXXX for {$28.00} XXXX  Between the unauthorized charges of {$240.00} that sent the card over limit and the {$100.00} in late charges the total disputed amount is {$340.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
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:
My Experian Credit Report has many Credit Items, Credit Accounts, Credit Inquiries, and Personal information that does not pertain to me. I can't get a person at Experian to help clear this up.

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 2021-09-24
Company: BROKER 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: Investigation took more than 30 days

Complaint:
I have filed a dispute regarding the incorrect items on my credit report. It has been over 30 days and I have not received investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: TRANSWORLD SYSTEMS INC
State: UT
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Hi, This question is regarding the lawsuit that the CFPB made against XXXX XXXX XXXX in XX/XX/2017. I had many default judgments with them and have been paying a company out of Utah called XXXX XXXX for the wage garnishments. I had asked them why they are taking payments with this lawsuit because I thought they were not allowed to pursue judgments while this is being investigated. I was told I had to pay anyway. I believe that these garnishments were all made after the statute of limitations in the state of Utah. I am so strapped paying them and my federal loans that I cant afford a lawyer. I believe that they have been taking my payments when they shouldn't be. Can someone let me know whether they can legally continue to take my money at this time? I had no idea of my rights when this went to court and no one at XXXX XXXX or XXXX XXXX XXXX will answer my questions regarding this lawsuit. I would appreciate any information that would shed light on my predicament or even what direction I'm legally able to take to get this taken care of. I would be so appreciative of any information you could grant me. I am barely surviving trying to keep afloat with the ridiculous payment they are forcing me to pay to avoid garnishing my wages and bank levies. 
I can be reached at XXXX or are ( XXXX ) XXXX. Thanks so much for your time. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: TX
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, a creditor has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions, under 15 USC 1666 B states, a creditor may not treat a payment on a credit account under an open-end credit plan, late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-19
Company: CREDIT ACCEPTANCE CORPORATION
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: Account status incorrect

Complaint:
I had a loan with Credit Acceptance Corp and it was the worst mistake of my life. So I refinanced this loan but I wish I had refinanced sooner but they were giving me inaccurate information about refinancing. I refinanced the loan with XXXX and I wish I had done it sooner. I got a call from a collection agency stating that I owed a small balance. I sent them a certified letter asking why they say I owed a balance when I had a letter stating that my account was paid in full. I received another letter from Credit Acceptance stating that my account was paid in Full in XX/XX/XXXX. But in XX/XX/XXXX they reported to all 3 credit bureaus that the account is in collections. The company then sent me another letter stating that my account was paid in full. The company even sent me a refund check for {$47.00} in over payment to my account. My credit report did not show any late payments before they sent this straight to collections and it is now it is still on all of my reports even though I have been disputing it and it caused me to be denied another car loan.

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 2019-02-23
Company: Account Services Collections, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/19 the debt collector called 3 times within an hour. After my husband answered, they would not give a company or employee name, simply that they are " Account Services. '' On XX/XX/19 the debt collector called twice in a row, lending to the belief that something was amiss. As I'm home alone, I quickly answered to a number without a name ( a.k.a " unknown caller. '' ) The person asked to speak with my husband, and after asking who they were, I was told they are " Account Services '' and they need to speak with him. After asking what it's in regards to, the man calling said " is he home or not? '' I then asked if he was a debt collector, to which he responded he could not discuss anything with me. To which I responded it is illegal to call back to back ; that it's considered harrassment. He said " ha, uh yeah thanks for your help '' and hung up on me.

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 2020-07-20
Company: Velocity Portfolio Group
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt collecter stayed that owe for a auto loan that was in collections for a car I never purchased I also dont have a drivers and I stated that its impossible for me to buy a vehicle with no drivers license and the debt and the account was not mine I also asked if they had a contractual agreement with my signature and a drivers license with my name and picture and they stated that they did not have it so how can they state that this debt is valid with no proof.

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