BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The credit card was issued by USAA. The credit card was used for general purchases and also was used to automatically pay my monthly auto insurance premiums with USAA. USAA is not SUPOSSED to assess interest, fees or charges on amounts in dispute. Over the years of being issued the credit card by USAA there were several times when I reported to USAA that a particular charge was being disputed. I would not pay those amounts in dispute but, would pay the balance of the amount due. Contrary to USAA 's started policy and legal requirements, USAA would always XXXX interest/fees/charges on the disputed amounts. When I would call USAA about the interest/fees/charges, they would acknowledge their error and removed the illegal interest/fees/charges. Several months ago USAA had interest charges on my monthly statement. When I asked why, I was told that I had not paid the previous month 's bill. I found that to be illogical since I did not receive notice that my auto insurance monthly premium was late or not received ( recall my auto insurance premium was automatically paid with my USAA credit card ). After several conversations with USAA employees I was told the illegal interest/fees/charges would be removed. I asked the USAA employee to let me know the balance due. When I did not get a reply to the latter request, I mailed in what I estimated the balance due. I thought all had been resolved but, the next statement I received still had interest/fees/charges in spite of being told all had been removed. I had numerous conversations with USAA. I was told there would be an investigation. Months would go by and no one from USAA would contact me about the results of the " investigation ''. When I called to ask about the investigation I was told the matter was closed. Finally, I was told that USAA would not remove the interest etc because I had requested on previous occasions a removal of such charges and these charges were indeed removed. But, the previous instances of interest etc being removed was interest illegally charged by USAA on amounts in dispute. Therefore, this is a baseless reason. I am requesting that USAA remove all interest etc. from my account and contact the credit reporting agencies to withdraw any reports fo delinquency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My loan is with XXXX XXXX and I pay my bill through Loan Care. I live in Florida and am qualified and receive the 100 % Veterans reduction on my Real Estate Taxes. I was refunded in XXXX for last years taxes. I have spoken to Loan Care at least six times about them lowering my escrow deduction. They are still charging an excess amount for my escrow reserve. They have been notified by the County and State and I have sent notifications that the payment should be dropped and the escrow amount should be dropped. I have not been able to get them to acknowledge when or even if they are going to drop the amount of escrow funds. I don't want to be paying an over payment on escrow like I did last year and then have to wait for a refund. Can you help me get this problem solved? Thank You

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 2019-05-31
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2019 my wife paid our housekeeper {$95.00} by check from XXXX XXXX XXXX XXXX. Our housekeeper deposited the check by mobile. The check was accepted by SunTrust Bank and then bounced, although there was {$29000.00} in the account. Our housekeeper was charged {$12.00}, which we reimbursed. Today, my wife went to SunTrust Bank in XXXX, FL. She spoke to a banker there who explained that the check account number was cut off when photographed and, although accepted, was not processed. Help me to understand why a computer glitch by the bank should cost me. T

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 2018-04-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WI
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:
Since XX/XX/XXXX, I have been disputing information about Portfolio Recovery Associates-a debt buyer that bought a debt from XXXX XXXX card I supposedly owe. 
Although I have requested valid documentation ( proof of signature ) that this debt is mine, I have not received this information from them. 
Meanwhile, they have illegally re-aged the account ( which shows to be open in XX/XX/XXXX on credit reports ) to show an open date of XX/XX/XXXX. They also have a payment status reporting to the credit bureaus of " Seriously Past Due-assigned to an attorney '' which is threatening behavior from my standpoint.

XXXX XXXX also has shown Metro 2 non-compliance with having a high balance lower than the owed balance, missing important fields or errors in the fields like the open date, not providing the entire account #, not showing the date of first delinquency and not providing the correct original lender on some credit bureau reports. I have also hired a credit lawyer who is working on this situation, but it seems to stay unresolved even though we've given them opportunity to remove the account from the credit bureaus due to the illegal errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: East Coast Funding Group
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Sorry for my english in advance ... .Hello, and please help me with this. I'm not sure whereas to go with this, but first of all, i'm not responsible for this vehicle as it was my mother 's vehicle which whom has passed away ( deceased ), and we returned the vehicle to the dealership and they mentioned that the GAP insurance will take care the difference on the amount. There are multiple violations on this account and consider the fact that it's still reporting on my credit. I've tried to ratify this issue for so long and I'm just given the runaround. But I had the opportunity to talk to several lawmakers and friends in the area, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MA and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Please kindly have them delete this from all my 3 major credit bureaus, and my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 opened my credit report, and i saw accounts and inquiries which are not mine. I believe, that someone stole my information and applied for these creditors.

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 2021-01-31
Company: Experian Information Solutions Inc.
State: SC
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 have attempted to reach XXXX  on numerous occasions regarding this debt that I allegedly owe. I do not recall ever having a credit card with this company. XXXX is also illegally reporting inaccurate information. This account has been closed and charged-off for years and is still reporting monthly late payments. Which itself is grounds for it's immediate removal from my credit profiles. 

If this account is not removed I will be handing this over to my attorneys and seeking any and all remuneration under the law as this entry on my credit report is unlawful and has damaged my credit rating.

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 2018-09-21
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been dealing with XXXX XXXX, and i have been making small payments, which i have explained to them why that is, but they felt the need to withdraw {$610.00} out of my account without my acknowledgement or permission, and have sent my bank account severely into overdraft. I am struggling to make ends meet at the moment, and at the time i am paying medical bills, as well as life bills. I need that money back. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: Source Receivables Management LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, and Please help! I'm not sure where the breakdown is, but : I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XXXX has a customer service infrastructure straight out of the XXXX 's. I have been involved in a multi-month process for IDR to go in effect on both mine and my wife 's loan. I am required to take time off of work and go through a 1 hour plus process waiting on call center representatives. Information is not consistent and already complicated processes are made more challenging by XXXX 's antiquated infrastructure. Their self serve options are non-existent. They have 0 texting or mobile functionality I experience in every other financial services industry. Very simply notifications via text would have prevented 99 % of my issues. As a citizen, I am troubled by the waste that confounds our already insurmountable student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
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:
XXXX XXXX XXXX,,, collection agency XXXX XXXX XXXX XXXX. 
Balance {$57.00} Highest Balance {$57.00} OpenedXX/XX/2014 ( 4 yrs, 3 mos ) Account statusOpenType -- XXXX XXXX  NameXXXX XXXX XXXX I have a doctor in XXXX, Tx .... XXXX XXXX. I pay for all office visits out of pocket. The XXXX XXXX XXXX have the wrong information. I do not owe them anything and want this negative remark removed from Equifax and XXXX. XXXX already deleted it. Incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
This is my 2nd attempt to rectify a serious error on the part of TransUnion Consumer Relations. I have been disputing an entry on my credit report listing a Bankruptcy Chapter XXXX- discharged on XX/XX/XXXX for over a year. 
As proven in the documents I am attaching, there is no way the bankruptcy is validated as the Bankruptcy Courts do not verify them ( see attached letter ), it is not listed on my XXXX XXXX XXXX ( XXXX ) report ( see attached report ), nor is there a bankruptcy reported on my XXXX report ( see attached report ). To quote the reply from my 1st complaint ( see attached response to my 1st complaint ) TransUnion has verified that the bankruptcy information reported in Ms. XXXX credit report accurately reflects the public record of the United States Federal Bankruptcy Court, and is currently reported on their credit report as permitted by federal law. The only other way it could possibly be reported is through PACER. I have previously requested ( see letter dated XX/XX/XXXX ), and I WILL DO SO AGAIN NOW, TransUnion provide identifying info of the clerk they spoke to verifying the Bankruptcy as BK Rule 9037 states- " PERSONAL IDENTIFICATION DEFINED AS INDIVIDUALS SOCIAL SECURITY & TAXPAYER IDENTIFICATION NUMBERS, NAMES OF MINOR CHILDREN, LAST FOUR DIGITS OF FINANCIAL ACCOUNT NUMBERS, AND DATE OF BIRTH, BE REDACTED FROM DOCUMENTS FILED WITH THE COURT. '' Therefore obtaining verification through a subscription to PACER or any other agency is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires " you to notify the party who furnished the disputed information '', TransUnion would also be in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits " unfair or deceptive acts or practices '' by purposely reporting information that they have " assumed '' is verifiable based off circumstance.

TransUnion has failed numerous times to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. This is my last attempt for them to rectify this serious and inaccurate reporting error. My next step will be small claims court where I will be seeking {$1000.00} per violation of 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act.

Finally, TransUnion claims to not have my current address. That is a false statement as they have sent numerous documents to me over the past 9 months.

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 2018-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
On my credit report there are 2 debts. I made contact with trans union in  XX/XX/XXXX to dispute various items from addresses and phone numbers including these charged debts. Both XX/XX/XXXX-XXXX XXXX {$2700.00} & XXXX XXXX {$320.00}. They mailed me an updated copy of my report XX/XX/XXXX with the debts still there. I did not complain assuming investigation pending. I called them XX/XX/XXXX because the reports are still on my credit. They were rude and show no record of the disputes. However they validate my contacts in XX/XX/XXXX. I wanted them to provide me with the information these creditors had on my identity so I could document for person use. They could not. I have made attempts in the past to contact the creditors and they also would not give me the requested information. Do I have rights? Fair credit act i think. I tried to excersise them and was redirected. I followed procedure its not my fault the emloyee did not. So I'm requesting FTC to step in. The collection agency reps are out of the USA and don't seem to care I wanted to exercise my FCRA rights as I clearly requested to do so via conversation.

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 2023-05-09
Company: EQUIFAX, INC.
State: SC
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AL XXXX, XXXX XXXX XXXX Balance Owed : {$11000.00}, XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX {$9400.00}, XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$11000.00}, XXXX XXXX Balance Owed : {$12000.00}, XXXX XXXX XXXX XXXXXXXX Balance Owed : {$930.00}, XXXX XXXXBalance Owed : {$6200.00}, XXXX XXXX XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: Experian Information Solutions 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:
I have disputed this with both Experian & XXXX XXXX. I have inaccurate multiple late fees showing on my credit report in XXXX. This account is showing inaccurate, this account says closed but does not state when it was closed, it does not give the full accurate account number. After months of disputing this with both companies the late fees were taken off and then added back the next month. I had no knowledge or written letters sent to me saying they were putting these late fees back on my credit report. I disputed it again & asked for proof of this inaccurate info from the company. I was given no information. This closed account was completely deleted off of my Experian credit report only to reappear again this month with more inaccurate late fees. This account wasn't even opened in XXXX of 2017. For the last time, this card is paid off & closed I am demanding to have this account deleted off my credit report. This is absolutely ridiculous that someone has to keep battling over inaccurate information with this one credit bureau. It is also a violation. Please remove the account from my credit file.

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 2018-09-19
Company: Avant Credit Corporation
State: CA
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 ordered an item on XXXX  on XX/XX/18 in the amount of {$58.00}. I did not receive the item so I contacted my credit card company Avant. I explained the situation and sent over the invoice when I filed the dispute. They said they would take care of it but that was the opposite of what they did! I tried calling 30 days after the dispute as I had not received anything in the mail or heard from anyone. They just told me they are still working on it to give them more time. I finally got a letter from XXXX in the investiagation department on XX/XX/18 asking for more information I sent her a copy of the invoice from XXXX. However, she would never answer her phone or return any of my phone calls. I called Avant customer service i spoke with the manager XXXX on XX/XX/18, XX/XX/18 and XX/XX/18 in which she sent a notification to XXXX and promise to follow up with me each conservation which she never did. I had to keep calling her and on XX/XX/18 I sent her another copy of the invoice from XXXX which she said she forwarded it to XXXX again with another notification. XXXX said I should hear from herself or XXXX within in a few days. I still to date have not heard anything and no one will contact me back. I am now being charged for the interest and the amount of the purchase when I never received the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: EQUIFAX, INC.
State: NC
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 # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept ED XXXX XXXX XXXX XXXX, Dpt EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has 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

Company response to consumer: Closed with explanation