BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/XXXX I received an email at XXXX from Usaa that my securty token on my account had been deactivated. I contacted Usaa concerning the email. I stated I think something is going on, I had not been in my account and my token had been removed. The gentleman never addressed on questioned me about my deposits and withdrawals. Later that night in checking my noticed an email about a XXXX of {$1000.00} had been moved from my acct. Also the need to verify adding an account as a user. I went into my acct removed the request to add because I had not authorized new users. I also noticed theXXXX XXXXtransactio. I called around XXXX that night to dispute the transaction and he said to me he says a dispute is already on the transaction. I also asked him how long my other XXXX do woukd be on hold and he said u til XX/XX/XXXX. 

On XX/XX/XXXX a little after XXXX I received an email that a XXXX of {$1000.00} had been done. I called USAA discussed the second XXXX and asked about my call the night before where I asked if the previous XXXX had been disputed. The agent claimed there was no record of the call, it she out in my two disputes. Later that day on my joint checking there were charges of XXXX for a spa and a {$10.00} a beauty supply. I contacted USAA and disputed. TheXXXX they gave back. That night on my credit card I noticed several XXXX charges and another XXXX to a Beauty supple store I again called Usaa and they put in a dispute. 

To dateI have XXXX charges and XXXX have been provided back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: EQUIFAX, 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:
In accordance with the fair credit reporting actXXXX account XXXX XXXX XXXX # XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A states I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions. 
The following have also violated my rights to privacy by reporting hard inquiries that destroyed my credit rating without my written instructions. 

XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX ( XXXX ) XXXX XXXX  XXXX XXXX via XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX, IL XXXX XXXX, XX/XX/2022, XXXX ( XXXX ) XXXX TypeIndividualPermissible PurposeXXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXX ( XXXX ) XXXX Type Location XXXX XXXX XXXX XXXX, NC XXXX XXXX ( XXXX ) XXXX TypeIndividual Location XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Location XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX CT XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired XXXX and XX/XX/2022 XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquired XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquired XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX UT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Experian Information Solutions Inc.
State: NC
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:
In XXXX of XXXX  I started disputing inaccurate and fraudulent items listed on my credit report with Experian. On several different occasions over the last 9 months the have responded to my disputes alleging that the disputes were not sent or authorized by me when they were in fact sent by me. In XXXX of XXXX  I went as far as to write a personalized note on the letter stating that it was in fact from me and circled my signature sowing that it was the same as the signature on my license and passport. In XXXX, upon the request of Experian I complete an FTC Identity Theft report and sent it to them for accounts, addresses and inquiries associated with fraud and they still claim to have verified these items or refused to investigate and remove them from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: SN SERVICING CORPORATION
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
SN Servicing Corporation is a debt collector who must maintain reasonable procedures for determining the statute of limitations applicable to a debt it is collecting and whether such statute of limitations has expired. In the State of New York, the promissory note and mortgage are contracts, and there is a six-year statute of limitations law in effect. The last payment made on the subject account according to SN Servicings internal records was XX/XX/XXXX. 

SN Servicing became the servicer of the subject account on XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX as XXXX XXXX XXXX XXXX XXXX XXXX became involved via Assignment of Mortgage XX/XX/XXXX. The New York XXXX XXXX  XXXX XXXX XXXX states in debt collection rule 23 NYCRR 1, Section 1.3, SN Servicing Corporation is required to inform me that the statute of limitations has expired. The Fair Debt Collection Practices Act, 15 U.S.C. section 1692, et seq strictly prohibits debt collectors from seeking payment on legally time-barred debts.

A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of a time-barred debt. Nor may a debt collector use unfair or unconscionable means to collect or attempt to collect a time-barred debt. It is also a violation of the FDCPA for a debt collector to bring or threaten to bring legal actionwhether explicitly or implicitly against a consumer to collect a time-barred debt ( 12 CFR 1006.26 ; see generally 86 Fed Reg 5766, 578182 [ describing CFPB interpretation of this rule ] ).

SN Servicing Corporation has deliberately refused for years to inform me of the disclosure or disclaimer about the statute of limitations being expired as required by the New York XXXX XXXXXXXX XXXX XXXX debt collection rule 23 NYCRR 1, Section 1.3XXXX, despite many written requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: NQM Funding, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortage, filled out the forms, uploaded documents, etc and now they have all my information but have not responded nor answered any of my calls.

Company response to consumer: Untimely response
Consumer complaint received 2023-07-12
Company: SLM CORPORATION
State: IL
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:
Salle Mae has inaccurate information on my credit report and i want it removed. 
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.

Convergent Account # 1234, 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Under The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., and 15 U.S. Code 1681b - ( a ) ( 1 ) ( 2 ) Permissible purposes of consumer reports, Capital One is reporting a transaction under my report with my consent and permission, I also received a letter stating that, " We have confirmed this account is no longer being reported by Capital One ''. 
this items shows that it is being reported by Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Received email about credit inquiry, XX/XX/2023, hard credit pulls from Target Stores, received an email from Target stating they were looking over documents and card would be issued in 7-10 business days. notified target red card, that this was fraudulent, they confirmed mailing address and driver 's license # did not match mine, they put in a fraud claim to stop processing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX Balance XXXX {$19000.00} ; Child Support Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$240.00} XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-01
Company: Experian Information Solutions Inc.
State: LA
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 CFPB complaint is a follow up of my recent CFPB complaint I submitted to the Credit Reporting Agencies requesting the removal of the fraudulent accounts and information completely from my Credit File. I have read that under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. I am submitting this CFPB Complaint ot protect and execute my rights under the Fair Credit Reporting Act. I aso sent dispute letter to the Credit Bureuas dated XX/XX/XXXX, and I will be waiting for the Credit Bureaus respoonse. In the event the Credit Bureuas do not comply with my requests under the provisions of the FCRA, please udnerstand that I will be filing a lawsuit. Once again, I am requesting that the Credit Bureaus remove the following accounts from my Credit File as soon as possible : 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 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 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 Inquired on XX/XX/XXXX. If the Credit Bureaus claim that the disputed items belong to me, I request that the Credit Bureaus remove the disputed accounts completely from my Credit file as soon as possible. In the event that the XXXX XXXX are unable to send me copies of documents I seel, please remove the disputed items as soon as possible.

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 2023-04-27
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: Account status incorrect

Complaint:
Under The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., and 15 U.S. Code 1681b - ( a ) ( 1 ) ( 2 ) Permissible purposes of consumer reports, XXXX XXXX is reporting a transaction under my report with my consent and permission, I also received a letter stating that, " We have confirmed this account is no longer being reported by XXXX  XXXX ''. 
this items shows that it is being reported by XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I've been a victim of multiple identity thefts, and have an existing credit freeze and fraud alert on my credit file for all three three bureaus. 

On XX/XX/23, I received an email from Amex at around XXXX that a new Credit Card was approved under my name. 

I could not have opened this account as I was asleep. 

I called Amex fraud department, verified my identity, and the first person I spoke to denied that a new card was opened under my name & no such email was sent. I suggested her to transfer me to identity theft department or applications department. She then corrected herself saying she found the email and transferred me to another department. 

I spoke with XXXX from applications departments and she asked me to verify my identity again and asked if I opened this card. I told her I would have not been calling if I opened the card. She asked which XXXX XXXX card seemed fraudulent and I answered that I do not have that information as the approval email sent to me just says XXXX XXXX. 
I asked her how new card was opened under my name if my credit is frozen and I have a fraud alert on my account. She then transferred me to Identity Theft department where I spoke with XXXX. 

XXXX asked me to verify my identity again, and verified that there were TWO cards under my name that were not authorized by me. I informed him that I have a credit freeze and a fraud alert on my credit, so this should not have been approved in the first place. He opened an investigation into the fraudulent card opened under my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27
Company: Reliable Credit Association, Inc.
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I made extra payments on my car loan to go towards principle. XX/XX/XXXX I made a principle only payment of XXXX, XXXX I made an additional principle payment of {$500.00}, XX/XX/XXXX I made an additional payment of {$500.00}. I called into reliable credit to ask that these payments be applied correctly and to not advance my payment date to which they told me I was making principle only payments. I explained that I did not want it to be advanced and that they were just paying future payments instead of principle only therfore causing me to pay the interest that I have not accused. I made a complaint with XXXX where their response states that they can apply payments however they see fit. This is deceptive and unfair. In their response they did say that I can bring in checks or money orders and those could be applied to future payments, which I will do going forward. However they have miss applied XXXX dollars and refuse to fix the issue.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I've had a checking and savings at Wells Fargo for over 22 years. I've never bounced a check or gone overdraft that I can remember. XXXX yo I'm XXXX I have no driver 's license and I XXXX miles from the nearest wells fargo. I do a lot of my shopping on line for those reasons. Probably 80 percent of my shopping is on line. Recently I got laidboff my supplemental job and realized I wouldn't be able to make my loan payment that is set up to be deducted from my savings on auto withdraw. So I called Wells Fargo and explained my situation. I ask wells fargo to stop the payment till i could figure things out.The very next day I went to my one banking sight to check my account and I'm suddenly {$1100.00} over drawn in my savings. So I called Wells Fargo and ask them how this is possible. They explained to me that Los prevention put a strong hold on my account and my XXXX XXXX XXXX got returned. I thought that was odd cause that check had come in three days prior to this situation in fact I had already withdrawn the money and paid bills with it. They transfered me to loss prevention. The guy working in loss prevention said I do to much online shopping with high risk websites and that they were going to close my accounts. Sense then they have denied several disputed transactions and they have went back and changed some of them that were already approved to denial I am now {$1600.00} over drawn. I've had to pay friends several XXXX dollars to give me rides to XXXX so I could open newvaccounts and change my profile at social security. My car is getting repossessed cause this set me back so far I couldn't make the payment. I'm being charged extra rent for being late. I feel that wells fargo singled me out cause they found out I lost my job. To me that is discrimination.

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 2023-04-27
Company: McNeil & Meyers Asset Management Group, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Per CFPB COMPLAINT ID XXXX on XXXX XXXX XXXX  : " McNeil & Meyers did not buy the account. We are a servicer of the account. We have coded the account to be closed and removed from XXXX XXXX credit bureau. We do not want to fight the dispute at this time. It should update on his credit report in about 45 days. Thank you '' As of XXXX XXXX XXXX, the {$220.00} account balance to MCNEIL & MYERS remained on my XXXX credit report. 

Per CFPB COMPLAINT ID XXXX on XX/XX/XXXX : " McNeil & Meyers will submit an AUD to have this removed immediately. 
DESCRIPTION OF NON-MONETARY RELIEF Remove from credit report '' Why is this account still listed on my XXXX credit report as of XX/XX/XXXX, in opposition to the claims made by MCNEIL & MYERS XXXX  months ago and XXXX  month ago? Why is MCNEIL & MYERS continually lying to me and the CFPB over the past 5 months? 

This false account must be removed immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: ENOVA INTERNATIONAL, INC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
It was false advertising and they took my personal information and my bank account information. I asked if they can delete or cancel my account with my bank account information and they said No. I need my account deleted since I will not be using the account at all. They were very misleading with getting a line of credit. 


Dear XXXX XXXX, Account XXXX XXXX XXXXXXXX Thank you for contacting NetCredit. 

In regards to your recent inquiry, we regret to inform you that NetCredit can not honor your request to delete your personal information from our database. We are required by federal and state laws to retain and keep a record of any customer information submitted to us. 

Be assured that we take data security and privacy very seriously and safeguard all information that we obtain. For more details regarding the collection and use of customer data, you can review the NetCredit Privacy Policy at https : //netcredit.com/privacy-policy. Each NetCredit customer acknowledges that he or she has read and consented to the terms of the Privacy Policy prior to completing any transaction on our website. 

If you have any additional questions or concerns, our customer support team is available Monday Friday, XXXXXXXX XXXX XXXX and Saturday - Sunday, XXXX at ( XXXX ) XXXX. You can also sign in to view your account details online at any time. 

Sincerely, The NetCredit Customer Support Team Phone : ( XXXX ) XXXX Email : XXXX Fax : ( XXXX ) XXXX www.netcredit.com

Company response to consumer: Closed with explanation