BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In XXXX of XXXX USAA offered me a promotional XXXX XXXX cash advance check, with XXXX XXXX interest thru XX/XX/XXXX. I took a {$2200.00} cash advance in XXXX of XXXX. Starting in XXXX I noticed my regular monthly purchases were accruing interest, even though I was paying my monthly purchases off in full each month. USAA 's ludicrous explanation is that because I had not paid off the cash advance that my account overall was not paid in full and my regular purchases would now accrue interest. This is pathetic attempt to cover up a misleading and fraudulent offer. Why would I take out a {$2200.00} " XXXX XXXX '' cash advance in order to pay interest on the other {$5000.00} in regular monthly purchases I do with them? USAA could have easily disclosed this detail with the other details of the cash advance on the page where the promotional advance was offered ( page XXXX of the attached PDF ), over half of the page is left blank. To give me a XXXX XXXX  offer that by definition triggers interest on your regular purchases, even when paid in full, is shameful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Experian Information Solutions Inc.
State: AL
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 SENT LETTERS TO XXXX, XXXX, AND EXPERIAN ON XX/XX/2020 DISPUTING INACCURATE AND INCOMPLETE INFORMATION THAT THEY ARE REPORTING ON MY CREDIT REPORT.I AM ASKING ASKING FOR THE VALIDITY OF EACH NEGATIVE ACCOUNT REPORTING AND I HAVE ATTACHED COPIES BELOW.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Law Offices of Robert J. Colclough, III
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A company named XXXX XXXX put a lien on my bank account with XXXX XXXX  XXXX back in XXXX of 2015. They took out almost {$2000.00} from my account at that time and drained it out. After filing court documents to get the judgment quashed because I was never served properly, XXXX and I worked out a deal. They agreed to keep all the money they took out of my account in exchange for resolving the outstanding debt. I was under the impression that this matter had been closed. 

I received a letter just yesterday from a firm called Law Offices of Robert Colclough that says I owe them money for a debt they purchased from XXXX XXXX XXXX XXXX, stemming from my debt owed to XXXX XXXX, nearly 8 years after I resolved my issues with XXXX. 

This was completely out of left field. I was completely blindsided by this letter. I have been under the impression for 8 years now that this debt has been resolved. During XXXX I worked tirelessly to repair my credit and resolve all outstanding debts that I had. I left no stone unturned. 

To receive a letter like this years later just seems like a shady attempt to bamboozle me out of more money when I have already reached a resolution with the original company, XXXX XXXX XXXX. 

I called the Law Offices of Robert Colclough to resolve this and explain the situation to them, but they do not seem like they are interested in helping me resolve this matter. They just want to bilk me out of more money. I had an agreement with XXXX XXXX. Theres no reason I should have a collection company sending me any letters about any debt stemming from that original debt. Everything has been resolved for 8 years now. 

Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV
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:
I made a payment before the due date and I know for a fact there was funds in the account and capital one returned said payment the day before my due date after processing it for a week, however they did not reach out to me or call me to let me know there was an issue with the payment and the they charged me a late fee for an account with restricted access without even telling me they returned a payment. When I called I asked them why they returned the payment they couldnt give me a valid answer. I told them Id payoff the balance but I wasnt paying the late fee they charged me and they wont refund it to the capital one account so Ive paid off my XXXX balance but theres still a {$32.00} balance in there because of the fees they charged me that I shouldnt have to pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-30
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to request a correction of the following information that appears on my Experian consumer report. XXXX XXXX, account Number : XXXX* didnt update the details of date is inaccurate, the date last active is inaccurate, date of balance last reported is inaccurate. I just wanted to make sure everything was reporting 100 % correct according to The Fair Credit Reporting Act ( FCRA ) once notified of an error, FCRA requires the credit reporting companies to do a reinvestigation after you dispute the accuracy or completeness of the information. To my understanding everything was not 100 % accurate, Please remove the account because I have the right to bring a lawsuit. If the credit reporting company violates the FCRA, they can be held liable for actual damages and attorney fees. I have attached a copy of my report with the account in question circled

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 2020-07-25
Company: Collection Management Holdings, LLC
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020 I received an account statement from the original creditor. On XX/XX/2020 the original creditor cashed a partial payment. On XX/XX/2020 I received a collection letter from a collection company. On XX/XX/2020 I mailed a request to verify the debt when the amount on the collection letter did not match the account statement I received from the original creditor. In my request letter I included a copy of the check cashed by the original creditor. I also included a check which satisfied the remaining balance. The check was cashed by the collection agency I did not receive verification of the debt, but instead received an additional collection letter dated XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I pulled my credit report and notice that there were things on my credit report that didn't belong to me I disputed on XX/XX/XXXX the things that didn't belong to me I have yet to hear from anyone.I followed up with the credit Bureaus on XX/XX/XXXX nothing has be sent to me regarding the account that doesn't belong 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
Consumer complaint received 2020-07-25
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Hello, I have XXXX membership points has removed by American express, I tried to call them around XX/XX/XXXX, a customer service representative told me will give me an answer within 10 business days, but till now I haven't received any phone call or email from American Express explaining why the points has been deducted. So please help me with that, thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : #, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I filed chapter XXXX Bankruptcy in XX/XX/XXXX and received discharge XXXX XXXX XXXX. One of the debts discharged on that date was XXXX XXXX XXXX XXXX. XX/XX/XXXX it was placed for collection with Portfolio Recovery. 
I've reached out to them and all 3 credit bureaus and submitted supporting documents to no avail. On XX/XX/XXXX XXXX I received mail from XXXX verifying the account as accurate and updated. How can it be accurate If a judge in a court of law ordered it discharged and no representative from XXXX XXXX or anywhere else showed up to contest it? This is reflecting negative on my credit reports and I'd like it removed promptly

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
XXXX XXXX put me in nearly {$50000.00} worth of student loan debt with promises to help me gain employment upon completion. The school closed, I did not receive help finding employment, and the education they gave me left me unqualified to take a job doing what the XXXX XXXX XXXX promised. I can not get work to pay back the loans. I do not know how to get relief for these damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
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:
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 Balance : {$14000.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XX/XX/2022 ;

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 2020-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have filed 5 disputes with the credit reporting agencies in regards to this inaccurate and horrendous account on my credit profile. I have asked them to send me the method of verification pursuant to section 611 of the Fair Credit Report Act. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial letter was sent on XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.

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 2023-02-22
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Toyota Financial Service representatives are very rude when I was questioning the basic information regarding my loan, the confusing nature of their website, payment of the loan, and the misinformation their website and bills displayed to me said representatives hung up the phone and the call dropped at least four times over the past two weeks. Representatives mislead me to believe that the loan will be adjusted and misled me about the time it would take to adjust the loan. Originally said it would take two business days for the adjustment to mirror on their systems but after those two business days, it turned into four business days, and then it turned into six business days every time I called. They basically gave me false information regarding said information which other representatives backtracked, and said this would not be the case one week later, after calling multiple times during the week. The website contains a section for a remaining balance on the loan, but that is not the payoff amount that is just the remaining balance minus the interest, therefore misleading anyone paying off the loan to believe the payout amount is less than what it actually is, therefore, allowing interest to still be accrued, and a balance due to be owed. The website is basically displaying fraudulent information as the information is not true whatever remaining balances on the loan should be the actual remaining balance, not the remaining balance of the principal, but the remaining balance of the loan itself including the interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-07
Company: Experian Information Solutions Inc.
State: UT
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 been disputing my Experian credit report for 6 months now due to a Bankruptcy that is incorrect and NOT verified. They have not verified this with any agency and I have a letter from the courthouse that also says they do not verify this info with Credit Bureaus. They refuse to delete this inaccurate Unverified bankruptcy. XXXX and XX/XX/XXXX have already fixed the issue can we please get Experian to do their due diligence and remove this Ive been fighting it for too long and I'm just being ignored

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 2021-05-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Two checkbooks were stolen during a theft of my storage unit, and someone fraudulently wrote and cashed a check for {$1000.00} from my Chase Total checking account on XX/XX/2021. The written amount was XXXX XXXX XXXX, but the number amount said {$1500.00}. I don't know why the check was cashed with this discrepancy. I have submitted a fraud report to Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear Equifax, I have sent all the proof that you requested to verify me and you keep on sending letters asking for the same things. I have sent you copy of my Driver licence, Social security already I will also attached them to this complaint. 

First Name : XXXX XXXX Last name : XXXX Address : is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX is my current and only address. Please removed all the other addresses and name that are not me off my consumer report. I also send a copy of the police report to you guys and I will attach a copy of it to this complaint. 

The following name and accounts are not mines and would like them to be removed from my report. These negative items on my report are causing me stress, humiliations, and my mental. because of these account I can not get approve for anything. I would like to have them removed from my consumer report. 

XXXX Bank Account # XXXX XXXX XXXX XXXX XXXX  XXXX Please removed the following addresses from my consumer report. The only address that should be XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2017 XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Please remove the following unauthorized inquiries of my consumer report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please removed any inaccurate information on my consumer report. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
On or about XX/XX/XXXX XXXX we received a check from Wells Fargo in the amount of {$50000.00} ( see letter from Wells Fargo. 

On of about XX/XX/XXXX we informed Wells Fargo we didn't own or have any knowledge about the property related to this check. ( Wells Fargo case # XXXX On or about XX/XX/XXXX we received a replacement check for the same amount. 

On or about XXXX XXXX we informed Wells Fargo ( again ) On or about XX/XX/XXXX we received a IRS form 1099 from Wells Fargo which I assume is related to the previously issued check.. 

On or about XX/XX/XXXX we notified Wells Fargo this 1099 should not have been issued. ( Wells Fargo case # XXXX. 

Wells Fargo to date has not taken any action regarding this matter, and we can not file out federal taxes before this is resolved.

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 2020-07-26
Company: Experian Information Solutions 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:
Attorney General is reporting that my account is delinquent and that I owe a balance. The child that it's reporting on is in my XXXX and has been since XXXX of XXXX. I called in XX/XX/XXXX to request a modification and nothing happened. I called again in XXXX to request a modification again. They agreed and asked if I wanted the payments to be held or to be continually dispersed to the other parent. I asked that they be held. The payments have continued to come out of my paycheck and held by Attorney General until the case could be closed. The problem is that even though they are garnishing payments from my check and holding them, they are also reporting the payments as delinquent since XX/XX/XXXX. I called XX/XX/XXXX and asked that they stop reporting negative and balance owed. They said to just dispute it and they would correct it. I have disputed 3 times. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They are still reporting delinquent and a balance owed. 

In the mean time me and the other parent signed to have payments stopped in XX/XX/XXXX. I was told 3 months max would correct everything. I called in XXXX to see what was going on and was told at that time that aa lawyer didn't like the agreement a denied it back in XX/XX/XXXX. I sent a complaint and was told they would push it through. 
I called XX/XX/XXXX and was told that a judge signed the agreement on XX/XX/XXXX and they were awaiting the documents from the district clerk. I called XX/XX/XXXX and now they're saying they don't have a record of a judge signing anything.

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 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX of my numerous attempts to alert credit bureaus to the fact that I have been the victim of identity theft and that I wish to inquire about specific data in my files that were obtained as a result of the crime. The paperwork I'm looking at has nothing to do with any purchases of goods, services, or cash that I've made or given the go-ahead for. Remove any information from my credit report that was allegedly obtained by fraud or extortion, assuming no one is looking. 
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 XXXXXX/XX/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