BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
IVE ATTACHED USAA PAYMENT HISTORYS FOR ACCOUNTS THAT WERE CLOSED/CHARGED OFF BY USAA. THESE ACCOUNTS HAVE CAUSED A SNOW-BALL CATASTROPHIC PLUNGE TO MY SCORE OF XXXX! MY ATTACHED CREDIT PAYMENT HISTORY WILL CLEARLY DEMONSTRATE HEALTHLY CONSUMER ACTIVITY PRIOR/LEADING TO THE 2020 PANDEMIC. MY UNUSUAL PAYMENT ACTIVITY IS SOLELY DUE TO COVID 'S PANDEMIC IN WHICH I'VE STRESSED TO USAA. IM LABLED AS A HIGH-RISK CONSUMER WHICH IS INCORRECT & FALSE. USAAS UNWILLINGNESS TO TAKE THE TIME TO PHYSICALLY REVIEW MY CREDIT HISTORY INORDER TO MAKE AN ACCURATE AND SOUND CREDIT DECISION PER REQUEST HAS LEFT ME CONFUSED THIS ENTIRE YEAR. HAS CAUSED A BIGGER ISSUE IN REGARDS TO MY CREDIT SCORE. I NEVER KNEW XXXX CREDIT SCORES WERE EVEN POSSIBLE! USAA CONSUMER REPORTING IN 2020 HAS MISREPRESENTED MY TRUE CONSUMER IDENTITY. I UNDERSTAND FINANCIAL INSTITUTIONS HAVE RULES AND GUIDELINES. I TAKE FULL FINANCIAL RESPONSIBILITY FOR MY ACTIONS. I'M LEFT CONFUSED, NOT ONE USAA REP TOOK THE TIME TO LOOK INTO MY CREDIT HISTORY TO ACCURATELY GAIN A BETTER UNDERSTANDING & PERSPECTIVE ON WHO I AM AS A XXXX VETERAN CONSUMER. POSITIVE REPORTING CLEARLY DISPLAYED IN MY CONSUMER CREDIT REPORT PRIOR TO 2020. IVE INFORMED USAA OF MY HARDSHIP '' AT LEAST 6 TIMES A MONTH. BUT IM CONSTANTLY DENIED ASSISTANCE DO TO " NOT QUALIFIED '' TO RECIEVE NOR PARTICIPATE IN ANY USAA AID RELIEF PROGRAMS. BUT, REP REQUEST PAYMENT FOR PAST DUE ACCOUNT. C'MON. MY ENTIRE CREDIT HISTORY HAS BEEN DESTROYED ALL IN 10 MONTHS. ECONOMY DOWN ( SLOWLY PICKING BACK UP NOW ), ZERO AID RELIEF THIS ENTIRE PANDEMIC, WIPED OUT CHECKING & SAVING TO SUPPORT MY XXXX KIDS AS A SINGLE DAD. I COULD CARE LESS ABOUT MY CHECKINGS ANDS SAVINGS ACCT. ITS MY CREDIT I TAKE PRIDE IN. WITH A CURRENT XXXX CREDIT SCORE, THATS AN INACCURATE AND COMPLETE MISREPRESENTATION OF MY TRUE CONSUMER ID. ALSO, LENDERS REFUSE TO GRANT ANY FINANCIAL REQUEST. MY XXXX TODDLERS AND I HAVE BEEN THROUGH LIFE CHANGING EVENTS AND SEVERELY PENALIZED DUE TO CONSUMER REPORTING INACCURACIES. I'VE PLEADED WITH USAA, PLEASE BASE ANY/ALL CREDIT DECISIONS PRIOR TO 2020 WHICH WAS DISREGARDED. AND CONSEQUENTLY, I NOW HAVE " ZERO '' RESOURCES DUE TO INACCURACIES LISTED ON 2020 CREDIT REPORT. AS A XXXX XXXX XXXX VET BATTLING XX/XX/XXXX, AND 11 GOOD YRS BANKING WITH USAA. WOULD HAVE NEVER IMAGINE USAA WOULD CLOSE THERE DOORS ON ME AND MY FAMILY DURING NATIONAL DISASTER.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Resurgent Capital Services L.P.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
LVN Funding at XXXX XXXX XXXXXXXX XXXX, SCXXXX  has been sending me collection notices in the amount of {$2300.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: CITIBANK, N.A.
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2020-11-07
Company: Paypal Holdings, Inc
State: TN
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:
On XXXX the XXXX I made a purchase through the Paypal platform for 1 gaming system for {$99.00}. The merchant listing on paypal did not reveal that the merchant was not located in the United States of America and in addition, I was charged for 3 gaming systems instead of 1 and I was charged for the amount totaling XXXX. After reading a policy of paypal I took the step required of contacting the merchant who was unresponsive, and I contacted paypal to advise and dispute and my paypal declined to offer any remedy for the transaction, and paypal have failed to offer any assistance with communicating with the XXXX merchant or recouping the funds. 

Item # XXXX XXXX ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
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 XXXX XXXX. My identity was stolen. A notarized Identity theft Affidavit proving it is me that submitted this report. I have provided proof of my ID Identity theft report from the Federal Trade Commission. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: EQUIFAX, 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:
XXXX XXXX Bank is not accurately reporting the balance as {$1000.00} on my XXXX XXXX XXXX to XXXX, Equifax, and XXXX. I am not carrying a balance on this card. This card has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: College Loan Corporation
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:
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED Late account information from my consumer file. Despite my three written requests and complaints, the unverified Late items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these Late accounts or how they verified them? As previously pointed out to you, XXXX Law Dictionary, 6th Edition, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged late account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 



College Loan Corporation XXXX/ CLC 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 2018-01-31
Company: ERC
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: Old information reappears or never goes away

Complaint:
ERC has reported the account was opened XX/XX/XXXX. In XX/XX/XXXX and XX/XX/XXXX, I sent numerous letters to each credit bureau requesting accounts be validated and verified by sending pertinent information to identify my information. ERC was removed from my credit report, now it has reappeared. 

This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for financial assistance which was highly embarrassing and has negatively impacted my lifestyle. 

CREDITOR AGENCY - XXXX XXXX XXXX A/K/A XXXX XXXX XXXX Please delete the above information as quickly as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: EQUIFAX, 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: Account status incorrect

Complaint:
IVE ATTACHED XXXX PAYMENT HISTORYS FOR ACCOUNTS THAT WERE CLOSED/CHARGED OFF BY XXXX. THESE ACCOUNTS HAVE CAUSED A SNOW-BALL CATASTROPHIC PLUNGE TO MY SCORE OF XXXX! MY ATTACHED CREDIT PAYMENT HISTORY WILL CLEARLY DEMONSTRATE HEALTHLY CONSUMER ACTIVITY PRIOR/LEADING TO THE 2020 PANDEMIC. MY UNUSUAL PAYMENT ACTIVITY IS SOLELY DUE TO COVID 'S PANDEMIC IN WHICH I'VE STRESSED TO XXXX. IM LABLED AS A HIGH-RISK CONSUMER WHICH IS INCORRECT & FALSE. XXXX UNWILLINGNESS TO TAKE THE TIME TO PHYSICALLY REVIEW MY CREDIT HISTORY INORDER TO MAKE AN ACCURATE AND SOUND CREDIT DECISION PER REQUEST HAS LEFT ME CONFUSED THIS ENTIRE YEAR. HAS CAUSED A BIGGER ISSUE IN REGARDS TO MY CREDIT SCORE. I NEVER KNEW XXXX CREDIT SCORES WERE EVEN POSSIBLE! XXXX CONSUMER REPORTING IN 2020 HAS MISREPRESENTED MY TRUE CONSUMER IDENTITY. I UNDERSTAND FINANCIAL INSTITUTIONS HAVE RULES AND GUIDELINES. I TAKE FULL FINANCIAL RESPONSIBILITY FOR MY ACTIONS. I'M LEFT CONFUSED, NOT ONE XXXX REP TOOK THE TIME TO LOOK INTO MY CREDIT HISTORY TO ACCURATELY GAIN A BETTER UNDERSTANDING & PERSPECTIVE ON WHO I AM AS A XXXX VETERAN CONSUMER. POSITIVE REPORTING CLEARLY DISPLAYED IN MY CONSUMER CREDIT REPORT PRIOR TO 2020. IVE INFORMED XXXX OF MY HARDSHIP '' AT LEAST 6 TIMES A MONTH. BUT IM CONSTANTLY DENIED ASSISTANCE DO TO " NOT QUALIFIED '' TO RECIEVE NOR PARTICIPATE IN ANY XXXX AID RELIEF PROGRAMS. BUT, REP REQUEST PAYMENT FOR PAST DUE ACCOUNT. C'MON. MY ENTIRE CREDIT HISTORY HAS BEEN DESTROYED ALL IN 10 MONTHS. ECONOMY DOWN ( SLOWLY PICKING BACK UP NOW ), ZERO AID RELIEF THIS ENTIRE PANDEMIC, WIPED OUT CHECKING & SAVING TO SUPPORT MY XXXX KIDS AS A SINGLE DAD. I COULD CARE LESS ABOUT MY CHECKINGS ANDS SAVINGS ACCT. ITS MY CREDIT I TAKE PRIDE IN. WITH A CURRENT XXXX CREDIT SCORE, THATS AN INACCURATE AND COMPLETE MISREPRESENTATION OF MY TRUE CONSUMER ID. ALSO, LENDERS REFUSE TO GRANT ANY FINANCIAL REQUEST. MY XXXX TODDLERS AND I HAVE BEEN THROUGH LIFE CHANGING EVENTS AND SEVERELY PENALIZED DUE TO CONSUMER REPORTING INACCURACIES. I'VE PLEADED WITH XXXX, PLEASE BASE ANY/ALL CREDIT DECISIONS PRIOR TO 2020 WHICH WAS DISREGARDED. AND CONSEQUENTLY, I NOW HAVE " ZERO '' RESOURCES DUE TO INACCURACIES LISTED ON 2020 CREDIT REPORT. AS A XXXX XXXX XXXX VET BATTLING MENTAL HEALTH, AND 11 GOOD YRS BANKING WITH XXXX. WOULD HAVE NEVER IMAGINE XXXX WOULD CLOSE THERE DOORS ON ME AND MY FAMILY DURING NATIONAL DISASTER

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
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:
Car was in accident many months ago and insurance paid of loan except gap which the company would not agnolige the payment from gap for a couple months telling me I had to still pay car payments and then kept reporting my late and still havent taken it off my credit. It was paid off along time ago and I shouldnt of had late payments or even still had it 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 explanation
Consumer complaint received 2018-01-31
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
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 two threatening telephone calls today from XXXX ( " XXXX XXXX XXXX XXXX  '' out of Michigan ) regarding a credit card bill, which was charged off over 7 years ago. They acquired ( purchased the file ) onXX/XX/2018. They said they were going to serve me papers between the hours of XXXX and XXXX regarding a lawsuit filed against me. When I contacted them with questions, I was hung up on several times, told to " pay your bills '' and " XXXX '' twice. I was also called a " XXXX XXXX ''. When I told them not to call me at work, they said they had no choice but to serve me. When I asked what my address was they began giving me several, all of which they obtained by doing a XXXX search. The representative confirmed this and told me that if " you are going to mention the company, get the name right '' ( I said XXXX because of nerves ). She then hung up on me. Representatives from Law Firms that specialize in collections leave false information and threats ( I've had this happen previously many years ago when I lost my job ) and contact any person with the same last name, always leaving the same messages for family members regarding the person they are trying to collect from. Their behavior is unethical, unprofessional, and completely disrespectful. Additionally, they threaten and give unlawful information. This company, in particular, needs to be fined and shut down. Their communication practices are unacceptable and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My bank ( Wells Fargo ) is holding my monthly Federal annuity check ( amount {$2800.00} ) and not posting/crediting to my account on the date they receive it. I know this because my previous bank always posted on the date they received it which on nearly every occasion was days before the XXXX of the month. I believe Wells Fargo is holding it and earning interest on my funds.

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 2022-03-29
Company: Mr. Cooper Group Inc.
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We sent certified to Mr. Cooper and the issue is still unresolved. After Mr. Cooper 's review is still are short in escrow, due to their errors since XXXX example : Starting XXXX XXXXwe start the year with {$390.00} plusand all the way through XXXX XXXX with a positive amount.Started XXXX XXXX with negative {$90.00} and we were paying {$210.00} every month in escrow until XXXX. XXXX escrow should have stayed the same or slight increase.Mr. Cooper decreased our escrow starting from XXXX. XXXX from {$210.00} to {$130.00} until XXXX XXXX causing a huge shortage coming out of XXXXMr. Cooper states that 2 homeowners insurance submitted for payment - both from the same company on XXXX XXXX, XXXX the amount of {$1100.00}. and then XXXX XXXX, XXXX {$70.00} came-but Mr. Cooper only included {$70.00} in escrow analysis for XXXX. 
Other errors by Mr. Cooper were the following : We pay 2 taxes : a property tax and home taxMr. Cooper is charging us a misc. tax - which the state of SC knows nothing about.From XXXX {$220.00} shortage for the year - which increased our mortgage payment to $ XXXX.From XXXX {$120.00} shortage for the year-mortgage went to $ XXXXFrom XXXX $ XXXXshortage for the year-mortgage went to $ XXXXThrough no fault of ours-the payment should not have dropped that low. 
The reason they gave us again was the escrow analysis only included the {$70.00} the error on their part.We are not aware of how the insurance company submitted for payment. 
The escrow analysis in XXXX XXXXfrom Mr. Cooper- is showing a {$3200.00} shortage.The analysis is showing what our new mortgage payment would be from {$770.00} to $ XXXX6.Mr. Cooper after submitting all the paper work pointing out errors that were made completed supposedly another anaylsis : $ XXXX taking our mortage to $ 1,012.07.Taking {$360.00} from the original {$3200.00}. Payment to escrow amount $ XXXX mortgage payment of XXXX {$370.00} went to escrow.Still say we owe {$2900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: WELLS FARGO & COMPANY
State: CA
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:
someone committed fraud by using my credit by going through XXXX XXXX and also through wells fargo

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 2020-11-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XX/XX/2020 PURCHASE INTEREST CHARGE Fees & adjustments {$75.00} - did not receive the statement XX/XX/2020 PURCHASE INTEREST CHARGE Fees & adjustments {$100.00} - did not receive the statement XX/XX/2020 PURCHASE INTEREST CHARGE Fees & adjustments {$130.00} - did not receive the statement

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, I had a {$0.00} balance on my Victoria Secret 's Credit Card. 
On XX/XX/XXXX I made a purchase at a Victoria Secret Store for {$16.00} On XX/XX/XXXX ( a Friday ), my payment was due. 
On XX/XX/XXXX I paid the complete {$16.00} off. 
Due to being 1 buiness day late I was chagred a late fee of {$16.00}, the same fee as my initial purchase. 
Prior to my XX/XX/XXXX due date I asked for a late fee removal, no additional charges were made and the only balance due was my {$16.00} late fee that I was asking to be removed. 
The decision by XXXX XXXX to not waive this late fee was made after XX/XX/XXXX, causing my payment to be late. 
On XX/XX/XXXX, I paid the late fee of {$16.00} they refused to credit me for. 
On XX/XX/XXXX, I was also charged another {$16.00} late fee. 
My total cost for my {$16.00} purchase is now {$48.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have installed a landline in my home and a variety of debt collectors continue to call the number. I have blocked many of them, however they continue to change phone numbers to continue calling. I have attempted to talk to an operator to tell them the person who owns them must have changed phone numbers however the line disconnects each and every time i attempt this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Foris DAX, Inc.
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had a account with Crypto.COM and my account was hacked, all the cryptocurrencies were converted to Bitcoin then transferred to someone else 's account. I have been getting the runaround since the day it ocuured Monday XX/XX/2021. I have sent a number of emails and have received very little information back from Crypto.com. My responses have been " we will get back to you in a day or so ''. I have yet to here from them with an answer of what they intend to do.

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 2021-07-12
Company: EQUIFAX, 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:
THE ACCOUNTS AND INQURIES LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID I AM VICTIM OF FRAUD I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation