BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
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:
Good morning, I took a cash advance in XXXX of {$85.00} -- US dollars -- on XXXX XXXX, XXXX. 
I knew there is a cash advance fee and that interest would accrue starting XXXX XXXX So when I received my XXXX XXXX, XXXX USAA XXXX statement which covers charges in XXXX, I expected both the cash advance fee ( {$2.00} ) posted on XXXX XXXX and the interest charge of {$0.00} which was posted on XXXX XXXX. 
I paid the full amount due of {$2800.00} for the XXXX XXXX statement ( which was due XXXX XXXX ) early -- XXXX XXXX. This is confirmed on my e-bill pay account. USAA acknowledged receiving this on XXXX XXXX as well. 
So far I understand and accept the charges HOWEVER, I was still charged interest on my cash advance of XXXX XXXX on the XXXX XXXX statement ( which covers XXXX charges ). The interest charge -- posted XXXX XXXX -- is trivial ( XXXX cents ), but the question is why am I still paying interest on the XXXX XXXX cash advance since that was paid off on time XXXX XXXX. ( See above ). 
I spoke with a USAA representative who was very nice and explained that interest accrues until the amount due on my XXXX card is XXXX. 
So even though I paid the entire amount of {$2800.00} due for the XXXX XXXX statement on XXXX XXXX, I am still charged interest on a cash advance I have paid off. WHY? 
The agent said this policy is on the XXXX agreement that I received when I requested the card I can not find such an explanation. 
The dollars involved in my case are trivial. But others unknowingly are paying interest on cash advances that are much larger. I doubt they have a contract explaining why. This is not transparent, and not fair. 
Thank you for reviewing this issue XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ma XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX # XXXX I have no knowledge of this account see cfpb XXXX XXXX # XXXX I have no knowledge of this account CFPB XXXX # XXXX I have no knowledge of this account sent cfpb XXXX # XXXX I have no knowledge of this account XXXX # XXXX I have no knowledge of this account see CFPB was filed XXXX # XXXX The balance and/or past due amount are/is incorrect XXXX XXXX # XXXX I have no knowledge of this account XXXX XXXX # XXXX I have no knowledge of this account sent CFPB

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Payoff Statement dated XX/XX/2021 ( enclosed ) included " Unpaid Interest Due at Payoff '' in the amount of {$3300.00}. 
When I asked representative about this number, the answer was : Not all of your payments were considered in this statement, so all your Interest overpayments will be refunded 30 days after closing. 
Since the payoff amount in the Payoff Statement was equal to Payoff presented in Closing Disclosure ( enclosed ), I was expecting for some Interest overpayment refund. 
I never received a refund and called the bank 2 times. Both times I was said that the issue will be reviewed and answered by mail. 
As of XXXX, XXXX nothing happened. 
I need help to resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA
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 XX/XX/XXXX, I contacted Nissan Loss Recovery Department and spoke with a representative by the name of XXXX XXXX, regarding the reporting of inaccurate information by Nissan Motor Acceptance Corporation, to the three major credit bureaus ( XXXX, XXXX, XXXX ). I purchased a XXXX XXXX XXXX ( Vin # XXXX ) on XX/XX/XXXX from the XXXX XXXX XXXX XXXX XXXX, Virginia. I voluntarily surrendered the vehicle on XX/XX/XXXX and possession was taken on XX/XX/XXXX from my place of residence at XXXX XXXX Court, XXXX, Virginia. Because I was protected by law through a Chapter XXXX Bankruptcy ( Case # XXXX ) with the U.S. Bankruptcy Court Eastern District of Virginia, that was discharged under 11 U.S.C. 727 on XX/XX/XXXX, I was NOT personally liable for any remaining balance due after the sale of the vehicle. I was advised by XXXX XXXX that prior to XX/XX/XXXX, the information that Nissan had previously reported ( Account included in Discharged Chapter XXXX Bankruptcy/Paid as Agreed/Closed/XXXX Balance was indeed accurate. However, after viewing my credit reports on that same day, the account status was reporting inaccurately as Open/Current/Balance of {$10000.00}. XXXX XXXX then informed me that because XXXX had received a Cancellation of Warranty payment in the amount of {$700.00} on XX/XX/XXXX from the XXXX XXXX Dealership, they reopened/reaged my previous account and reported those inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
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:
I was notified by a credit monitoring company that a collection was placed on my credit report. 

I reviewed the entry, although Equifax locked me out of my report when I tried to double check the report for some odd reason. ( the website claimed that I answered the identity questions wrong ... which is not correct.. Verified against my actual credit report they provided me. So their system was either having an issue or the validation database it compares the answers to is not correct. ) At any rate I was eventually able to get through to the report to file a dispute on the account in question. ( it has already been resolved with XXXX, and XXXX who both also investigated this same account and deleted it already. ) However Equifax online dispute process has only limited general options to explain your complaint. ( this account really does not fall under any of them ... Because it was paid to the original hospital not to who ever this collection agency is that is called XXXX XXXX. Whom I have never heard of before it put an entry on my credit reports. ) So the closest check box option on the dispute submission that came close to covering what the problem was " I have no knowledge of this account / it is not mine. '' So this is the box I checked. 

Next came the whole complaint submission process, during which time I seen no way of uploading any supporting documents. ( I was able to submit supporting documents with my dispute to XXXX, and XXXX which helped them resolve the dispute. ) Then Equifax conducted some kind of investigation.. and sent me the attached results. 

Which resulted in them updating the collection to being paid, and according to the results they verified that it belongs to me and is owned by some company named XXXX XXXX 

Which if they are reporting accurate information : They are saying that I paid some company named XXXX XXXX for my XXXX Hospital bill for visit XXXX with a service date of X/XX/2015. 

Which is obviously in accurate by the attached receipt, and screen capture of my XXXX Hospital balance for the visit in question. 

The receipt XXXX hospital sent me clearly states " XXXX XXXX XXXX, XXXX Hospital '' on it. 

I want to know how they verified this account was allegedly paid to a collection agency when the receipt clearly shows it was paid directly to XXXX hospital directly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Re : Fraudulent Account Date : XX/XX/XXXX PORTFOLIO RECOVERY ASSOCIATES ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX To Whom It MaXXXX Concern, On XX/XX/XXXX, There was a collection account reported to credit bureau. This original credit account was opened in my name it is fraudulent and has never belonged to me. After multiple attempts to contact and dispute this account due to identity theft there has still been no resolution. Unfortunately, this has left me no choice but to file a complaint with with the Consumer Finance Protection Bureau. 

To resolve the problem, I would like to demand that this fraudulent account and collection be removed from my credit report as it is identity theft. I have disputed this account multiple times to no avail. Your company has been negligent in identifying this as identity theft. 

I look forward to your reply and a resolution to my problem. I will wait until XX/XX/XXXX before seeking help from a consumer protection agency or other assistance. Please contact me at the above address. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-24
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I could not apply online. I have had XXXX in the past -- no help logging in

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 2018-03-05
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX will Not remove this account even after I sent them a police report and proof that I never had a bank account with XXXX XXXX that someone was making payments on the XXXX  card on

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 2021-10-04
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am XXXX XXXX and I'm submitting this complaint myself and there is NO Third Party Involved. 

SOUTHWEST CREDIT SYSTEMS is violating my consumer rights under 15 U.S. Code Chapter 41 - SUBCHAPTER VDEBT COLLECTION PRACTICES. 

SOUTHWEST CREDIT SYSTEMS have used abusive, deceptive, and unfair debt collection practices. 

SOUTHWEST CREDIT SYSTEMS have violated my consumer right to privacy, I NEVER gave them any my information directly and SOUTHWEST CREDIT SYSTEMS has committed the crime of IDENTITY THEFT. 

I am a consumer and natural person of the United States of America and my consumer rights have been violated and I demand a quick and proper resolution. 

I am holding the SOUTHWEST CREDIT SYSTEMS civilly liable for their gross negligence. Attached is an affidavit of fact that includes the FDCPA violations and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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, The consumer never gave any written consent to report anything on my consumer report. No consent is identity theft. Having these in accuracies has caused me to lose confidence in the banking system.

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 2018-03-05
Company: EQUIFAX, INC.
State: NJ
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:
XXXX will Not remove this account even after I sent them a police report and proof that I never had a bank account with XXXX XXXX that someone was making payments on the XXXX card on

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I received a payment to my account and I initiated a instant transfer to my bank account. The transaction was frozen because i was being asked to identify my identity. I upload the documents and then told that my bank froze the transaction. My bank lets me know that they dont have any record of any incoming transfer. In the meantime Im being told that my funds are being held and my account is blocked because I havent given them my Drivers liscence, wich I uploaded when I first was asked to. Next Im told my account is closed and No longer can use their services. Eventually I receive a notification saying my account was credited the money I transferred and the transaction was canceled by the company. In my Account it never shows the balance Amount that was just credited to my account. Eventually I am told that the company sent my money to the sender and since Im no longer allowed to use Venmo I have to find another way Of getting my money back. They not only lied to me by saying my bank froze my account when my bank never even seen the transaction they took my money that was credited to my account and made a transaction to send it back to sender, a transaction that I didnt request

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2020-11-04
Company: Bread Financial Holdings, Inc.
State: ID
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I took out a $ XXXX limit store credit with Wayfair.com in XXXX of XXXX, and ordered furniture I would need to furnish my studio. The total came to {$1000.00}. I paid {$500.00} immediately and had planned to make the following {$500.00} payment after in XXXX. I thought the bill looked suspicious, as it never even gave me my full account number. I never received a credit card either. I requested online billing, and my request wasn't honored because I didn't have a card number or a full account number. The paper bills never gave an account number to set up online billing, just the last 4 of my SSN. In almost 2 years now, I have only received 2 paper bills from Wayfair the most recent being on XX/XX/XXXX. 

I had an XXXX  XXXX in XX/XX/XXXX that lead to a XXXX. ( less than 30 days after I took out the store credit. ) I contacted Wayfair as soon as I could to let them know that my payments had been delayed by my 40 day stay in the XXXX  and ongoing XXXX care. Later I contacted them again to let them know that I have been placed on total XXXX XXXX due to my XXXX and ongoing care needs. Well, I received no paper bills or other communications about my balance and figured they'd given me a grace period. Now I have a collections bill for around {$1500.00} on a $ XXXX credit card as if I hadn't paid anything, and they are citing interest and late fees? Almost $ XXXX in interest and late fees is outrageous, and I believe it could be usury. I'd like a full investigation please. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX act # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This has already been removed from my credit report and the company resubmitted it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
Company: EQUIFAX, INC.
State: FL
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:
Equifax just reports anything without any prior notifications, Equifax breach probably caused more aches than anyone else they should be held liable for their mishandling of information. 
I have disputed information with them before now they placed some more derogatory information on my credit for an unknown medical bill from an emergency bill??? I have no medical emergency! 
Highest Balance {$180.00} Opened XX/XX/2019 ( 2 mos ) Account status Open Original Creditor Name XXXX XXXX XXXX FLORIDA Creditor Information XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-20
Company: TCF NATIONAL BANK
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have a home equity loan from TCF Bank. I have been unable to pay my bill online for months now. Their website is non-functional, and no longer allows logins. I attempted to call them during working hours, but the wait is at least 90 minutes and I have been unable to get through. 

I finally paid my bill by check, and they sent me a notice warning my that my loan is past due without acknowledging my payment even though the check was cashed. 

I no longer want to do business with this company, but I have no way to contact them to pay off my loan or even to find out my remaining balance. 

I am trapped.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I had a credit account with XXXX credit. I could not pay the balanced owed, so in XXXX of 2020, XXXX wrote off the debt as bad debt. A charge off. My credit score has gone down.The only way I can improve my credit is to give the past due bill to XXXX, and not a debt collector.Paying a debt collector will not improve my credit and I will still owe XXXX. How can I owe Rausch Strum collection agency any money when I did not incur the debt with them? How can I be sued when XXXX has written the debt off as bad debt? Rausch Strum isn't listed anywhere on my credit report. I did not even know I was being sued until a summons appeared on my door. I never entered into an agreement with 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 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing regarding a collection account that is inaccurately reported on my credit report. The account in question is listed as XXXX XXXX. Upon reviewing my credit report from TransUnion, XXXX, and XXXX, I noticed that there are three different dates of last activity being reported. TransUnion lists the date as XX/XX/XXXX, XXXX lists the date as XX/XX/XXXX, and XXXX lists the date as XX/XX/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 2020-11-04
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:
someone is using my personal information this Account does not belongs to 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