BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-16
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX  client XXXX XXXX is a victim of identity theft. His information was used without consent to obtain credit lines and services. While the accounts have been resolved and removed from his credit reports the issue of the address data related to the fraudulent accounts is still being reported. A formal dispute of these addresses was provide dto Equifax XX/XX/2018 certified mail with return receipt. Equifax has confirmed the removal of two fraudulent related addresses however in a credit report provided ( report number XXXX ) Equifax confirmed the same two previous fraudulent addresses as valid and reported the data. This activity is a direct violation of the FCRA and my clients consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
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:
As far back as XX/XX/2020, USAA Federal Savings bank has been sending out notices about upgrading their security procedures on their website usaa.com. what they failed to mention is that they experienced a major data breach and have yet to acknowledge the incident. Countless USAA members have taken to complaining on online forums about USAA 's cavalier attitude about this breach. Many, like myself, have experienced surprise and unauthorized charges on my USAA Visa card and unauthorized running of my credit report for an unauthorized consumer loan without my consent. Subsequently, after getting the run-a-round from the representatives on the phone, I closed my credit card account due to their inability to properly secure their website API ( application programmable interface ) from the very beginning. Every time I called and asked how these unauthorized charges occurred, the representative would simply state that my credit card was probably skimmed at a reader. When I inquired further, another rep. would say that the unauthorized charge was used via a mobile app. 
USAA 's explanation for these unauthorized charges did not make any sense. I could accept this useless excuse if it was just me but how could over 50 other USAA members suffer the same breaches on their accounts. Does that make sense? 
Like many older Americans, I don't use any apps and probably never will. USAA knows that I don't use their new app so how could they allow my credit card to be used through a mobile app that is not mine. As recent as XX/XX/2020 USAA shows attempted unauthorized charges on my CLOSED USAA Visa credit card. Again they refuse to acknowledge a breach in their credit database. This is unfair to the thousands of members which, rightfully so, are dwindling since the onset of this data breach. 
Another recent and troubling breach was an unauthorized running of my credit report by USAA for an unauthorized personal loan last week for which they issued a Credit Inquiry Removal Process letter. The letter is dated XX/XX/2020 and states that they have reported the error to the credit reporting agencies and can take up to 45 days to be updated on my consumer report. Is this fair? How long is USAA going to be allowed to continue this FRAUD. 
If I did not implement a credit freeze last year I would have been ruined like many other USAA members that were never notified of a data breach. 
It is public knowledge that the Consumer Financial Protection Bureau has fined USAA Federal Savings Bank millions of dollars recently for other credit related issues. Perhaps it is time to investigate USAA again and penalize them severely for irreparably damaging consumers credit history and ultimately their lives.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/20 I used my kohls charge card to buy XXXX gifts for my son who is only home until XX/XX/20 for XXXX as he plays out of state hockey in Pennsylvania. On XX/XX/20 the label was created at XXXX and tracking number was supplied for XXXX ( attached is the order number tracking number ) and the last photo is of the label creation on XX/XX/20. Today is XX/XX/20 and this order has not moved at all. Hence I have contacted Kohls 6 times snd only told wAit wait wait.. nothing we can do. XX/XX/20 XXXX MT I called again only to be told a supervisor would call me back which of course never happened. So far I gave talked to two women, XXXX XXXX, XXXX, XXXX, and another man yesterday on XX/XX/XXXX. My order will NOT be here by date promised XX/XX/20. Its terrible Ive talked to so many people including supervisors and nobody cares nobody is doing anything to get this label moving through the shipping system. I spent {$55.00} plus shipping and handling to not be able to hive my son his gifts before he leaves!!!! Ive talked to many many people and when I called and told them Im wanting to talk to corporate offices of kohls thats when I was told Supervsor will call me back and of course did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: CBC Companies, Inc.
State: IL
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:
Dear Innovis, XXXX, XXXX  : Thank you for sending me your internal records of the debt ( DEPT OF TREASURY ) Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or provide a valid E-Signature stating my " Session '', " Time-Stamp '', " Browser '' and " IP Address '', with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from XXXX AND XXXX including reporting payments on a CLOSED ACCOUNT ( please see attachment ) which is in violation of the FDCPA. You stated in writing that you verified that these items are being reported correctly so how could this happen? Are you being prejudice against me? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: DISCOVER BANK
State: IL
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 account five times and nothing has been done. I have sent in proof to identify its myself making the request. I have requested a fell file disclosure and have not received one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
Company: Experian Information Solutions Inc.
State: IN
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:
I have contacted Experian, XXXX, and XXXX about reporting and sharing certain information about me without my authority or my written consent which is a violation of my rights as a consumer. These XXXX companies are also violating my right to privacy by reporting these accounts. The accounts are as follows : 1. XXXX XXXX XXXX - Acct # XXXX XXXX. XXXX XXXXXXXX XXXX XXXX  XXXX Bankruptcy - Acct # XXXX XXXX XXXX XXXX ( a ) ( 4 ) states the consumer 's right to privacy.

Notice, it is a fact, I, the consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ). Experian, XXXX, and XXXX has violated my right to privacy by furnishing private information about me without any lawful authority or my written consent. 

15 U.S.Code 1681b ( a ) ( 2 ) states Credit Reporting Agencies need written instruction to make a consumer report by the consumer. 

Notice, it is a fact, I, the consumer is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. 

15 U.S.Code 1681 ( b ) states Credit Reporting Agencies must follow reasonable procedures. Must be fair and equitable to the consumer.

Notice, it is a fact, I, the consumer is aware, all consumer reporting agencies, must follow reasonable procedures pursuant to 15 U.S.Code 1681 ( b ). The reasonable procedures listed were not followed and this a violation of 15 U.S.Code 1681 ( b ). 

In conclusion, These companies have violated plenty of my rights as a consumer. With that being said, I demand they remove all the accounts listed below. If my demands are not met, my next step is to take each company to federal court to show where they violated my federal rights as a consumer and sue each credit reporting agency. 


XXXX. XXXX XXXX XXXX - Acct # XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX Bankruptcy - Acct # 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 2020-07-17
Company: WELLS FARGO & COMPANY
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I applied for the Covid19 relief for 3 months, but I actually made a payment the same month I applied and they did not extend my month. My mortgage has become frozen. I just made my first mortgage payment and my balance is not updating correctly, payment shows unapplied, I can not pay more principal, I have asked for the name of my HUD caseworker and the status of my case with HUD to repay my 2 months, all of my questions are IGNORED REPEATEDLY. This bank is a scam. I need answers to whats going on in my case. I repeatedly get disconnected. They always state they are going to follow-up and their email responses are just robotic and do not address any of my actual concerns.

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 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 received my credit report on XX/XX/2023 and i notice there were adress that in my account have permissible pourpse to be on there these adress are fraud. i already reach out to the credit bureaus about this multiple times they keep violating my rights under 15USC 1681b. I also have attach the adress on file that don't have no purpose to be on my 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 2020-12-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
I tried to sell used furniture on XXXX, and someone contacted me that he is interested in the furniture, he paid me an e-check ( {$640.00} XXXX through e-mail and ask me to deposit on the mobile phone, the check is cleared the following business day, and the buyer wants me to buy a visa gift card ( {$350.00} with {$5.00} activation fee ) to pay for the mover, the money has already covered in the e-check the buyer sent to me in the first, I bought the gift card and contact the mover to schedule the pickup, the mover process the card and said they will be the pick-up location in an hour, after two hours the person who sent me the check said he wants to cancel the deal and ask me to send part of the money-back ( {$250.00} XXXX through XXXX pays to his brother-in-law 's account, and cancel the deal. I paid the amount to cancel the deal, and the third business day, my bank notified me that they can not locate the account and return the money back, and charged me for NSF {$12.00}. In total {$610.00} lost. 

I double-checked with my bank about the validity of the check and they confirmed the check is cleared, that's why I can process the following steps. Suddenly, the bank told me that they can not locate the account and return the check without any further description. 

People related in the case : People contact me for the deal : XXXX XXXX XXXX XXXX cell phone number : XXXX Address : XXXX XXXX XXXX, XXXX, TX XXXX People send me the e-check : XXXX XXXX XXXX People I refund the money back : XXXX XXXX XXXX People tried to schedule the pick up : XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-20
Company: TrueAccord Corp.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
INVANSION OF PRIVACY AND DODD FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT. VIOLATORS. WE ARE GOING TO FILE CLASS ACTION LITIGATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Experian Information Solutions 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:
FTC Violations OCC Assesses {$60.00} XXXX Penalty Against XXXX XXXX, Orders Bank to Reimburse Consumers for Unfair Billing Practices Leading Debt Collector Agrees to Pay Record {$2.00} XXXX to Settle FTC Charges XX/XX/2011 FOR RELEASE A leading debt collection company has agreed to pay a civil penalty of {$2.00} XXXX to settle Federal Trade Commission charges that its aggressive collection techniques violated federal law. As part of its efforts to protect consumers affected by the struggling economy, the FTC alleged that XXXX XXXX XXXX, XXXX violated the FTC Act and Fair Debt Collection Practices Act. 
XXXX XXXX {$910.00} XXXX  XXXX {$130.00} XXXX XXXX   XXXX XXXX late flexible spending card XXXX {$210.00} XXXX XXXX XXXX  {$540.00} XXXX   XXXX  {$510.00} XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX {$340.00} XXXX Inquiries : XXXX   XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX wrong names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Ct XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX 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 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

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 2018-11-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: DC
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: Transaction was not authorized

Complaint:
I received a voice message from XXXX that said that I was being served if I did not comply with the matter. Unsure of the matter, I called the company. They said HSBC had an open case against me and asked if my name was " my accurate name '' getting caught up in the moment, I confirmed my name. They then asked if four digits were the last four of my social security number. They were not however I now believe that I implicitly gave the scammers valuable data against myself. Please be careful when anyone contacts you from a number not known.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: EQUIFAX, INC.
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: Public record information inaccurate

Complaint:
I have contacted this bureau several times for inaccurately reporting a bankruptcy on my credit report. They also have it listed as joint and my husband has no public records reporting on any of his credit reports. This is causing me undue hardship and is preventing me from obtaining credit offers that I deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Applied Online and was Pre-approved for a personal loan of XXXX and XXXX secured with a vehicle. Based on a monthly income from all sources of XXXX. After discussing offer over the phone and learning I worked at a XXXX bar they 'forgot ' to include my stock dividends and capital gains income. So I was only approved for XXXX unsecured loan based on XXXX monthly income.. After documenting assets and income with bank statements, brokerage statements, profit and loss statements for self-employment ... They decided I did not qualify for a XXXX loan with proof of XXXX figure monthly income and XXXX of stocks and liquid assets. 
I think this decision not to lend is not based on any logical evaluation of my ability to repay. But rather discrimination against me on the basis of my assumed XXXX orientation XXXX XXXX nightlife entertainer ) or religion XXXX my LinkedIn mentions an XXXX student group I led in college. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 sent multiple letters to all three credit bureaus XXXX, Transunion, and XXXX. Even the basics of my name are incorrect. There has been a variation of my name a middle initial of XXXX My middle name is XXXX. They have ignored my many requests over the course of a year of letters I send in asking them to update this. 

I also have many accounts that are misreporting, inaccurate, missing information in the accounts, inaccurate numbers, etc. How is it possible for them to verify any of these accounts if nothing has updated in over a year. 

I have sent letters on the following dates : XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 This is just this year alone. 

I need help because they are not responding, and my patience has been pushed beyond its limits.

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 2020-07-17
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
thursday, XX/XX/2020 regarding : Loan Number : XXXX rearding : Shellpoint Mortgage Servicing ( Is An Illegal Company! ) dear XXXX XXXX, this is Illegal! 
this is FRAUD! 

they ILLEGALLY added {$4000.00} interest since the covid virus started on to myaccount without informing ME! 

furthermore, i am on a payment plan that was approved of ( during the coronavirus pandemic ) to pay those payments back in 3 payments as Double Payments and now YOU do this to me which is FRAUD! 

they are NOT supposed to be charging or adding on any ILLEGAL LATE FEES/PENALTIES due to being Approved for a CoronaVirus Payment Plan Program! 

{$4000.00} = interest and {$54.00} Per Diem they Now Added thesefraudulentamounts since the covid virus started on to MY Account and Mortgage Behind MY Back! 

https : //www.shellpointmortgageservicing.com/ # XXXX they EITHER need to SPEAK TO ME ABOUT THIS and solve the problem! 
OR I AM STOPPING THE PAYMENTS AND CONTACTING THE CONSUMER FINANCIAL PROTECTION BUREAU AGAIN and XXXX XXXX XXXX again! 

this is a Big Scam! 

i have taken pictures as well! 
YOU have the Worst Mortgage Company Ever! 

XXXX XXXX XXXX enclosed, please find the attachments from your website showing YOU the NEW, ILLEGAL FEES that YOU have ADDED ON recently! 

cc : Consumer Financial Protection Bureau cc : XXXX 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 2020-07-17
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 status incorrect

Complaint:
Wrongful systemic institutional XXXX has, and continues to rear it's ulgy head, again!!! XXXX has erroneously inaccurately reported my account number XXXX as 90 day late which is incorrect for 2 reasons : 1 ). I am/have NOT been 90 days late, or in fact EVER 30 or more days late making my monthly payment. 2 ). Due to the current pandemic I have  been under a forbearance agreement which has been extended a additional 2 months. Also, per the recorded legal verbal consent from the XXXX representative I was clearly informed that there would be NO late payment/s, nor late fee assessments reported to the credit reporting agencies! In addition I have NEVER been contacted, or communicated, nor notified to arrange any repayment plan, loan modification, or extension of the forbearance plan arrangement

Company response to consumer: Closed with explanation