BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-18
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: Information belongs to someone else

Complaint:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I have been a customer with USAA since being activated after events ofXX/XX/2001. Since XXXX I have utilized many of USAAs products, such as car purchase, insurance, credit card products, and HELOC. I have never been late and all my accounts have been paid off and in excellent standing. 
In XXXX of XXXX, I contacted USAA regarding ( 2 ) accounts ( HELOC and Credit Card ). I explained that I was experiencing a XX/XX/XXXX hardship and my return to work and medical leave time available was unknown. I requested a forbearance for both accounts. After many letters and phone calls, I was told that USAA was not offering any relief for members. Then in XXXX of XXXX I was told that the only option available to me in regards to the HELOC was a short sale or settlement. 
I provided USAA all the documentation requested for a settlement so that I may just focus on my health and not collection calls. Today I was told that Settlement was declined due to equity in the property. I am so disappointed in USAAs decision practice of seemly asking a member to sell their home. I understand that foreclosure or bankruptcy proceedings are on hold, but why would USAA not provide its members other options. 
I am requesting an appeal of USAAs decision to deny the settlement of the HELOC account and the removal of the late payments reported to the credit bureaus by USAA since I first notified of the medical issue. 
I cant make the monthly HELOC payments and unsure of how long my XXXX will last, but I am willing to borrow from family and an active duty TSP account for the peace of mind of not having monthly collection calls from USAA. At this time in my life, I need to focus on my health and XX/XX/XXXX options. 
I have been a very happy customer in the past. I joined USAA while on XXXX XXXX because USAA had a reputation of servicing the men/women of the Armed Forces. As a veteran, I hope to continue a long relationship with USAA. I respectfully ask for a re-consideration of the USAA HELOC settlement and the removal of the late payments reported to the credit bureaus by USAA since I first notified of the medical issue. 

Sincerely, 20 year Customer of USAA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Trans union will not give you free report. They take you to a page asking For credit card information and tell you it cost {$24.00} to get your credit report. Then if you scroll backwards it takes you to another page that says its {$9.00}. After spending XXXX minutes filling out all this information and going back-and-forth you still do not get a credit report

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 2018-07-23
Company: Convergent Resources, 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: Account information incorrect

Complaint:
I have requested an itemized bill from the beginning of service as well as a signed or voice contract between me and XXXX. I have not received my request. The collector, XXXX XXXX, has sent me " XXXX '' invoices instead w/ multiple billing dates and amounts. The dates are in 2014 for XX/XX/XXXX, XX/XX/XXXX & 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 explanation
Consumer complaint received 2019-02-25
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
They took my refund due to my student loans but I applyed for IDBR and it was approved on XX/XX/2018 so I thought that my loans were out of default and I am applying for a hardship because me and my XXXX children are being evicted, I have a shut off on my water and my d.p.l is about to be shut off. And I am no longer employed

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 2017-09-15
Company: EQUIFAX, INC.
State: CA
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 was leasing car XXXX XXXX leaf model XXXX ) from XXXX XXXX XXXX XXXX. My lease was ended in XXXX XXXX. At the end of lease, I contacted them for end of lease instructions by phone. XXXX customer service said they will send XXXX of lease agreement, I have to sign, they will give 3 payments waiver. I received mail, i signed extension agreement. As per XXXX agreement I did not paid 3 months. XXXX reported to 3 credit bureaus 60 days payment late. I contacted XXXX they credited into my account. But they not responding to my request to Late payment removal. I am unable to rent apartment, employment credit checks, credit card extenions because of credit profile of Late payments from XXXX on my 3 credit bureau proflile. Please kindly help in procedure. I have copies of extension lease agreement, payment history. I was never late as XXXX payments are waiver as per agreement, XXXX itself credited themselves these payments then why I am late when payments are waived as per signed agreement. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
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: Old information reappears or never goes away

Complaint:
This is bothering! I have been disputing my Credit File for you to remove the fraudulent accounts and information you report on my Credit File! But despite my multiple attempts my Credit File still includes a number of fraudulent items being reported! I have been requesting that you send me copies of documents you found from your investigation supporting your claims that the disputed items belong to me, and yet I received nothing! It should have been expected that the disputed items be removed from my Credit File since you are unable to support your claims! I demand you to comply with the Federal law, Fair Credit Reporting Act section 605b, and remove the fraudulent accounts and information off from my Credit File. I need you to remove the following items : 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 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 You have been disappointing and failing me multiple times proving the rumors that you are not willing to execute your responsibilities! Under the Fair Credit reporting Act section 605b, I command you to remove the disputed fraudulent accounts and information off from my Credit File!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
On XX/XX/XXXX I submitted a dispute with TransUnion. It is now XX/XX/XXXX and TransUnion has still not completed the investigation nor will they allow me to dispute anything else on my credit report. In fact, the TransUnion website states the investigation will not be completed until XX/XX/XXXX. This going on 3 month investigation has greatly affected my credit score as I have a school lender reporting inaccurate information on my credit report. By TransUnion refusing to allow me to dispute anything else on my credit report, they have directly caused my report to drop by over 150 points. In addition, TransUnion is adding additional accounts and keeping old accounts open under the SAME LENDER despite having only 1 account that I can not dispute for the reasons stated above.

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 2021-04-07
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a targeted XXXX XXXX XX/XX/XXXX in which the bank froze my account until I bring in proof that I was approved to get these funds. I also received an XXXX loan a XX/XX/XXXX in which the bank did not freeze my account. They are requesting me to go in the branch with documentation that I was indeed approved by the agency to get the XXXX portion in order for my account to be unfrozen. The bank advised me they have the right to scrutinize funded sources and money deposited into my account no matter what law it comes from. I'm a small business owner with less than XXXX employees and I do not issue 1099- for i'm not an XXXX nor do I operate as one. The bank states any economic XXXX grants or loans from SBA have to be deposited into a business account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
XXXX and XXXX have allowed unauthorized access to my protected person data and they now have access to get my finances and hindering my ability to obtain safe housing. I am an XXXX XXXX veteran and former XXXX  XXXX XXXX who is retired on XXXX. 


They have affected my financial capability to pay and use my phone services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
BB & T HM IMP DEALERS S ACCOUNT # : ; XXXX DATE OPENED : XXXX I HAVE NO KNOWLEDGE OF THIS ACCOUNT. 

I have requested original documentation from this company. I have sent over several letter asking for this account to be erased and removed. I have asked for a email to be sent stating that this account will be removed and I haven't received a email. This account is old and I have aske for Original Signed Copies for this account to verify that this account belong to me. They have not provided me with any information on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
Company: TekCollect Inc.
State: IL
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:
A Company Name TEK COLLECT Has An Derogatory Mark On My Credit And I'm Looking To Have It Removed. The Date Reported Is XX/XX/2018 In The Amount Of {$480.00} - It States Its From A Bank Institute with The Age Of 2 yrs And 7 months with Highest balance {$470.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DIVERSIFIED CONSULTNTS #XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
(XXXX) XXXX Placed for collection: XX/XX/XXXX Responsibility: Individual Account
Account Type: Open Account Loan Type: COLLECTION AGENCY/ATTORNEY
Balance: $XXXX Date Updated: XX/XX/XXXX Original Amount: $XXXX Original Creditor: XXXX XXXX (Cable/Cellular) Past Due: >$XXXX< Pay Status: >In Collection< Remarks: >PLACED FOR COLLECTION<

This account was reported on my credit report as a debt that I owe, I disputed this item on XX/XX/XXXX with XXXX and XXXX. A direct dispute with the company on XX/XX/XXXX and a Validation letter on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 was leasing car ( XXXX XXXX model XXXX ) from XXXX XXXX XXXX XXXX. My lease was ended in XXXX XXXX. At the end of lease, I contacted them for end of lease instructions by phone. XXXX customer service said they will send Extension of lease agreement, I have to sign, they will give 3 payments waiver. I received mail, i signed extension agreement. As per Extension agreement I did not paid 3 months. XXXX reported to 3 credit bureaus 60 days payment late. I contacted XXXX they credited into my account. But they not responding to my request to Late payment removal. I am unable to rent apartment, employment credit checks, credit card extenions because of credit profile of Late payments from XXXX on my 3 credit bureau proflile. Please kindly help in procedure. I have copies of extension lease agreement, payment history. I was never late as 3 payments are waiver as per agreement, XXXX itself credited themselves these payments then why I am late when payments are waived as per signed agreement. Thanks!

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 2020-05-27
Company: JPMORGAN CHASE & CO.
State: MS
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 payed my total balance of {$4600.00} on XX/XX/XXXX to make my J.P. Morgan and chase credit account payed in full and in good standing. On XX/XX/XXXX I received an e mail from XXXX XXXX who I have my mortgage threw, stating that their was a change in my FICO credit score. Upon checking my score I was shocked to see that it had dropped 25 points. When I called J.P. Morgan and chase they informed me that my credit limit had dropped {$4500.00} dollars from {$5000.00} to {$500.00} dollars and the person I was talking to didnt have the information explaining the change. I was also never informed by the creditor that these changes were made. Since then I closed my account with J.P. Morgan and chase and am filing this complaint. Since that time my credit score has dropped another 47 points. This is completely outrageous and has absolutely ruined my credit, my score is now in the 500s after paying my balance in full. This should be illegal, I have had this account with J.P. Morgan and chase since XXXX and have never given them any reason to absolutely destroy my credit when the whole reason I was paying my balance in full is to get my credit score as high as possible so I could apply for a business card to help my business. I feel as though this practice if it is a common one is criminal and should be punishable by law. If you allow an account holder to have a allowance of {$5000.00} then you should not be able to change their limit and adversely affect their credit utilization when an account holder pays their balance in full, you should not legally be able to make these changes. If I find that what happened here was of fact illegal I will be prepared to take legal action. Especially since this incident took place during a global pandemic, this whole this stinks to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
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:
There are accounts on my credit report that do not appear to be mine and are inaccurately reporting on my credit report. I have attempted to dispute these accounts with the XXXX credit bureaus and they continue to report the accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: EQUIFAX, INC.
State: AR
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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX XXXX  XXXX {$280.00} XXXX XXXX XXXX {$650.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Filed for bankruptcy

Complaint:
On XX/XX/2019 I cancelled my auto-pay with US Bank. I did it myself online and just to make sure it was done correctly, I called US Bank customer service to at XXXX. I was assured all future auto-pay was cancelled. Come to find out that US bank still took {$170.00} on XX/XX/2019. I again called US bank 3 times on XX/XX/2019 - asked why they had posted a payment on my account when I no longer have auto-pay and I certainly didn't make any one time payment myself. US Bank submitted a refund request and when I called XX/XX/2019 to inquire about the refund - I were told that the refund was declined due to being over the limit. US Bank explained to me, that the only way I can get my money back is to file a dispute with my bank - I have done so. I am not sure it's a guarantee that I will get my money back. US bank " stole '' {$170.00} from. That money was never authorized to be pulled from my account.I am also filing a police report against US Bank for theft. 

My husband and I are in the process of filing chapter XXXX bankruptcy, so I cancelled auto-pay on all credit cards in my possession. 

XX/XX/2019 @ XXXX XXXX I requested all future auto-pay to be removed. 

XX/XX/2109 2 reference # XXXX ( XXXX @ XXXX XXXX ) and XXXX ( XXXX @ XXXX XXXX  ) I also made a call in between these to timestamps, but call was disconnected. I spoke to a lady named XXXX XX/XX/2019 Called @ XXXX XXXX  ( XXXX ) Called @ XXXX XXXX ( Think his name was XXXX or XXXX ), was so XXXX that I didn't pay attention - both supervisors.

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 monetary relief
Consumer complaint received 2020-01-31
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$8500.00}, {$1000.00}, {$1300.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8500.00} -This is not my account. 


-- CLOSED ACCOUNT 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

-- PERSONAL ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account.

Company response to consumer: Closed with non-monetary relief