BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-23
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 statement XX/XX/XXXX. USAA has not explained credit reversals to me. Please explain the credit revetsals on XX/XX/XXXX statement. TOTAL PAYMENTS and CREDITS {$450.00}. Applied for this period. This is a Total of my payment {$77.00} & Merchants {$28.00}, {$47.00}, {$34.00}, then back statement continues permanet credits {$21.00}, {$75.00} PERMANET CREDIT great call dispute my favor {$170.00}, PERMANET CREDIT great call my favior THESE MERCHANT CREDITS AND MY PAYMENTS ARE ALL THAT APPLIED THIS PERIOD. Kindly Note this confusion : NONE OF THE ADJUSTMENT PURCHASES TEMPORARY CREDITS ( all with little - minus signs making them APPEAR SUBTRACTED AND CREDITED SEE XX/XX/XXXX {$49.00} under the {$170.00} INone of the next 14 are not included they are NOT PART OF THE TOTAL AT THE BOTTOM ( * TOTAL PAYMENTS AND CREDITS THIS PERIOD ) again THE NEXT 14 CREDITS. are not included but misrepresented to look like they are. The temporary credits NOT APPLIED. are {$49.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TOTAL CREDITS NOT APPLIED {$320.00}. Why do they * MISREPRESENT CREDITS NOT GIVEN LISTING THEM MAKING THEM APPEAR AS APPLIED? USAA reversed XXXX same day they began investigation putting temp credit XX/XX/XXXX NO WAIT THEY ENDED INVESTIGATION XX/XX/XXXX reversed XXXX same day began also NOTE these credits DID NOT APPLY only merchant credits & my payment applied. Then reversed XXXX that merchant just sent XXXX XXXX XXXX ALL WITHOUT APPLYING USAA CREDITS THAT STATEMENT SHOWS. Then see attatched XX/XX/XXXX VERIFY FRAUD CLAIM letter confirming NO ACTION NEEDED BY ME and usaa will continue to persue fraud in my behalf. KINDLY NOTE LETTER XX/XX/XXXX IS AFTER THEY LISTED THESE UNAPPLIED CREDITS What hapoened. Fraud is supposed to be addressed resolved by 60 days. ALL THIS FRAUD IS DISMISSED NOT APPLIED NO RESOLVE??? See attatched Fraud letter XX/XX/XXXX {$49.00} NO FURTHER ACTION ON MY PART {$49.00} is listed as a pretend credit but NOT INCLUDED IN AMOUNT TOTAL CREDITS XX/XX/XXXX USAA REVERSES CREDIT NEVER GIVEN DOES NOT RESOLVE FRAUD IN 60 days as law requires AND USAA STATEMENTS MISREPRESENT CREDITS APPLIED WITH TEMP CREDITS NEVER MADE PERMANET.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
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 XXXX  Account # has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-28
Company: ALLY FINANCIAL INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I'm trying to refinance the new auto loan I had through Ally Financial, Inc. with a new lender. Ally reportedly received my check for the payoff on XX/XX/2018. Payments to Ally by mail take 3-5 business days to process, but on the 6th business day it had not posted, which made my account go 30 days past due, which was immediately reported to the credit bureau. Next, on XX/XX/XXXX Ally informed me that the payoff amount was short because ( due to them delaying it ) I owed {$300.00} more in finance charges than the loan is for, and they wouldn't process the check until I made a payment of {$300.00} to cover that gap. I made that payment electronically the same day, and it is the now XX/XX/XXXX. The payoff has still not posted ; I'm chatting with their customer service as I'm writing this complaint, and Ally is saying they " may '' have rejected the check and mailed it back to me ( I've been waiting for over an hour while they try to find out for sure ). If they really have mailed the check back to me, my new lender would have to cancel their loan and I would have to reapply if I still want to refinance -- but because I now have that 30 day late payment on my credit report ( which would've been avoided had they processed the check during the time frame they said they would ), my credit has likely been so adversely impacted that I can no longer get the same interest rate I was promised before. Even if the check HASN'T been mailed and they DO end up processing it, this late payment will likely hurt my chances of being approved for a home loan now, like I am planning to do soon. It seems as though Ally keeps intentionally delaying the payoff so they can make a last-ditch effort to keep charging me as much interest as they can before I refinance, which I feel may even be illegal.

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 2020-02-23
Company: EQUIFAX, INC.
State: MI
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:
A collection account is being reported on my account despite efforts to verify this debt with both the company ( letter attached ) and the Consumer Financial Protection Bureau. 

As seen from attachments, I asked XXXX and XXXX to verify this debt per Fair Credit reporting rules and they never responded to me or CFPB. The item is not mine as I do not owe ( please check my credit report ). I carry no balances with lenders except my home. 

I am requesting that this item be removed immediately from my report or I will pursue legal action against the reporting bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: Williams & Fudge, Inc
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, When I was a XXXX in XXXX XXXX, before my XXXX birthday, my XXXX XXXX   signed me up for a XXXX level class that I took online. Years later, I find the debt for the class on my credit report and am receiving bothersome calls from the collection agency. I never signed an agreement, but even if I had, I wasn't old enough to make an agreement to pay. I was in the public education system and I wouldn't have been able to consent to paying for a class. The debt collector is calling me constantly, has never provided any proof that I needed to pay or consented to pay for a class. I thought my school would pay for the class. My parents never signed an agreement either. Please help me if you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, credit bureaus did not provide any proof of evidence..CFPB please delete the accounts DEPTEDXXXX   XXXX****, DEPTEDXXXX XXXX****,XXXX XXXX**,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
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:
I have written letters to have inquiries and companies that I 've never done any business with removed at least 3 letters this year to each credit bureau and I have asked for proof I never received any proof. I also contacted the companies they never responded, yet they never remove any of these items from my credit. I have sent letters to credit bureaus and companies to no avail. I have not applied for credit in over 15 years so I know these are not my items yet they wo n't remove them.

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 2017-08-09
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: Credit inquiries on your report that you don't recognize

Complaint:
I have written letters to have inquiries and companies that I 've never done any business with removed at least 3 letters this year to each credit bureau and I have asked for proof I never received any proof. I also contacted the companies they never responded, yet they never remove any of these items from my credit. I have sent letters to credit bureaus and companies to no avail. I have not applied for credit in over 15 years so I know these are not my items yet they wo n't remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
In XXXX My mortgage was Transferred to XXXX XXXX  company. With whom I paid my mortgage to every month. In XXXX I had purchased a small loan from a predatory lender. XXXX XXXX XXXX which they charged me a substantial amount added to my mortgage loan. In XXXX my mortgage was transferred to XXXX XXXX who then wanted me to get a remodification on my loan. When I was with XXXX XXXX Company My monthly mortgage was {$560.00} a month. When I went to do the remodification with XXXX they wanted me to pay {$1.00} XXXX per month. During the Obama administration he stated that no one should be have any predatory lenders on their mortgage. Finally I get a letter after all stating that my loan is paid in full. They owe me money for ruining my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Direct Account Management
State: AL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company Direct Account Management contacted me on XX/XX/2020 XXXX yesterday ) in regards to possible student loan forgiveness. They seemed to be a legitimate company due to personal information regarding my loans they were able to provide, but I now believe they are fraudulent. They called to help me fill out an application to see if I qualify for any Federal programs for loan forgiveness and/or repayment. Using my personal information, like my social security number and emails, they were able to access loan servicer accounts ( XXXX XXXX, XXXX XXXX, and my FSA ID account ) to see how much I owed. They said they submitted the application and required paystubs ( which I did not provide ). My " loan advisor '', XXXX XXXX, said I qualified for income-based loan forgiveness and explained to me how much I'd be owing to the program ( it was explained that the program would pay off the servicer and I would pay the remaining part of the loan, that was not forgiven, back to the program ). After this he provided documentation that I needed to sign virtually. I was not given enough time to actually read and fully understand what i was signing and pressured me to sign it, which i did. I did not feel comfortable signing the document and I did not understand what was actually in the document. They had access to my parents private information when looking for my loan information and it is unknown if they used it or plan on sharing it ( or mine ) at this time. 

I have been trying to cancel all services with them, as well as, rescind all information that was provided and documentation that was signed. 

The following documents were signed and are attached below ( all information blocked out ) : - Document Preparation and Service Agreement - Exhibit " A '' to Service Agreement Fee and Service Schedule - An Exhibit " B '' was not listed - Exhibit " C '' to Service Agreement - Disclosures and Acknowledgements - Limited Power of Attorney - Selection of Method of Payment

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE INQURIES LISTED ARE FRAUDULENT SOMEONE USED MY NAME AND SOCIAL SECURITY NUMBER AND PHOTO ID TO APPLY FOR FRAUDULENT ACCOUNTS USING MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion 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 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 2021-10-05
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have a business checking account with Chase. I moved and live overseas.

My account being locked 4 times in the past few days for security reasons.

The only way to release it is by calling the XXXX  XXXX XXXX team. The holding time for the past four days is grater then 50 min. Last week I was successful reaching them after 30 min and they released the account. The next day it was locked again. That was last Tuesday. Since then I called at least seven times, waiting on an international calls 30-40 min before being dropped.

This is unreasonable waiting time. I am not sure if there is any consumer protection law in the US for the amount of time a bank can keep you on hold. In XXXX it is less then six min.

I have been holding now for an aggregate of 150 min now and still haven't get a hold of this department.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
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:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-19
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Midland Credit Management is attempting to collect a significant amount of {$950.00}. This is an outrageous and horrendous amount since I don't owe them that much. I called them and a representative told me this onXX/XX/XXXX. I believe this is coercion because they have also threaten to sue me for the deceptive amount via mail. They have also attempted numerous of times in unwanted times of the day to call me in attempt to collect this fraudulent amount of debt. I believe this is in direct violation to the Fair Credit Reporting Act because of inaccurate amount and the huge count of unsolicited calls made to my personal phone line by this collection agency. They also fail to report the collection to the three major credit bureaus when this account got sold into collections back in XX/XX/2020. This is more than the 90 day period it takes for it be reported as collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-01
Company: Diversified Adjustment Service, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This Third party Debt collector agency DIVERSIFIED ADJUSTMENT has bought my personal information or was given my personal information WITHOUT my consent! I do not owe this company, never had dealings with this company what so ever. This is a violation under the FDCPA as I didnt give permission for XXXX to sell my personal information. This is a form of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
This not a error. I'm a consumer by law and my information was misused and now i have false not 100 % accurate accounts on my report. Unauthorized use of my credit report. 



PLEASE SEE ALL ATTACH DOCUMENTS BELOW

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 2021-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Date of hard inquiry should be removed pursuant to attached letter. Letter indicated fraud, please remove inquiry from XX/XX/21 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 2017-08-09
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for credit card issued by wellsfargo. I got a communication by e mail that my allocation is approved and the card is on the way and should arrive in one week. To my surprise instead of new card as promised got a letter that my application is disapproved. I want justice. I should add that my fico score is 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 2023-01-01
Company: SYNCHRONY FINANCIAL
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Settled debt at lowered amount with synchrony bank, they only applied settlement amount as payment. The debt was settled on XX/XX/22, the original debt was XXXX and settled for XXXX. Confirmation for this transaction was XXXX. 
Another account was settled on the same date for XXXX, with an original debt of XXXX. Confirmation number for that transaction was 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 2019-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:XXXX,XXXX XXXX XXXX XXXX XXXX,XXXX XXXX XXXX,XXXX XXXX XXXX XXXX,XXXX XXXX,XXXX XXXX XXXX,XXXX  and 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 2019-10-30
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: Was not notified of investigation status or results

Complaint:
FILED WITH FTC, SENT INFO TO AL 3 BUREAUS,,, AND CONNS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 response to consumer: Closed with non-monetary relief