BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-20
Company: EQUIFAX, INC.
State: UT
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 Fair Credit Reporting Act XXXX account XXXX XXXX as violated my rights..After removing these items from my credit reports and phone calls after phone calls it is starting to take a toll on me and my family to be very stressful.CBE GROUP AS POSTED THESE NEGATIVE ON ALL THREE CREDIT REPORTS XXXX, EQUIFAX AND XXXX 
15 U.S.C 1681 Section A-States I have right to privacy.

15 U.S.C 1681 Section 2-States It also states a consumer reporting agency can not furnish a account without my written instruction... 
XXXX XXXX XXXX XXXX XXXX and {$1000.00} sorry i don't have accounts number... 
Equifax- XXXX XXXX  amount are XXXX AND {$1000.00} XXXX XXXX  amount are XXXX and {$1000.00} With all these going back n forth with XXXX XXXX remove then put it back on my reports is affecting my personal life to very stressfull and not answering my phone to unknown number. Please for the help to have them remove these items from all 3 credit report and Thank you for your time and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I sent the credit bureaus a letter letting them know that there was an account reporting on my credit that is not mine. I was contacted by another company and now it is reporting under another name on my report. I never opened up any loan with this company and have asked the credit bureaus to provide any evidence whether signatures or anything. 


XXXX XXXX XXXX ( Original Creditor : : XXXX XXXX XXXX XXXX ) Account Number : XXXX Unverified account They has not responded to my second letters sent to them in over 5 Months. They have not provided any of the information I requested. This is inaccurate information that needs to be removed immediately.

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 2020-06-18
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I pulled my credit to myself because I was alerted by my social security card getting loss and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is not correct.

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 2017-03-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
I made XXXX wire transfer requests via USAA online banking, but the requests were rejected because I put in wrong account number. Nonetheless, USAA charged me {$40.00} for the failed wire transfer requests. USAA customer service said because I put the wrong account number, so it would not refund the money. But there was no such warning before I submit the wire transfer requests, and I reasonably believed that I would only be charged only if the wire transfers were successful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2016-07-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AE
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I filled a fraud with the FTC a few months back about I fraud account opened in my name with USAA. I sent out letters to them but have not received anything back from them. I called them and all they did was update my personal info so whoever could n't use the account which has a negative balance. They said I 'm responsible but I do n't see how.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: Pinnacle Credit Services, LLC
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Pinnacle Credit Services/XXXX ( Collector ) did not sent notice of right to disclose. 
Collector continues to report false information related to this account to Credit Bureau Agencies ( CAs ). 
Collector claims account opened date opened XXXX/XXXX/XXXX. 
Collector claims a debt of {$1200.00} on behalf of XXXX XXXX. 

Alleged debt has been disputed several times through FTC on XXXX/XXXX/XXXX. Case # XXXX filed reporting XXXX XXXX. 
Also with the Arizona XXXX, the XXXX CBAs, and directly with Pinnacle Credit ServicesXXXX. 

Collector 's response to all claims is that the debt is owed in a single statement, without providing any supporting documentation ( because none exists that will help their case ) on this alledged debt. 

I had an over a decade healthy relationship with XXXX XXXX since XXXX 's. On or about XXXX XXXX I had made contact with XXXX to cancel service at the end of the contract period, which I was told ok. Late XXXX disputed that cancelation was not made timely, when I asked for proof of the contract with signature nothing was provided and was automatically billed {$1200.00} for the untimely cancellation fee of XXXX Blackberries. It was all based on their own assumption. 

XXXX has sold this account to numerous collectors, which I have immediately disputed the validity of the debt. However, Pinnacle/XXXX has been a different story. They purposely did not send the Notice of Right to Dispute knowing my history and they immeidatly reported to the CBAs. Since then it has been nothing but a struggle to have an enforcement agency request this " Collector '' for proof of the information that they are claiming on my credit files. 

Reaging an account is NOT legal. I have also made several attempts in trying to discuss matter with a representative of PinnacleXXXX, but I you get is their representative asking you to verify your current address, phone number, etc, and then you get transfer to a voicemail and never get a call back. A tactic for them to just record that you had been notified ( over the phone ) from their recorded message that it is an attempt to collect. This is a criminal way of doing business - but as a collector, they just want to at least assure they hurt the consumer knowing that their claim has no merit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Credit Corp Solutions Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have asked them to send me a letter, and they have yet to do so. They speak in a manner that is hostile, saying it is an urgent criminal legal matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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 act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # : XXXX XXXX XXXX XXXXAccount # XXXX XXXX XXXX Account # XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # : XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX Account # : 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 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 2016-05-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AK
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had Auto Ins with USAA. I had my monthly payments charged to my USAA credit card, I paid my credit card each month. Last XXXX 2015 I had a double billing. Instead of approximately {$62.00} ( a normal single month ) it was for {$120.00}. I was told they had changed the way their billing was done and the double payment was for the months of XXXX and XXXX 2015. It was a one time double billing. I also have it in writing from XXXX of their Customer Servicer Reps. I paid this double billing on XXXX XXXX, 2015. I sold my car at the end of XXXX 2015 and notified USAA right away and cancelled my insurance. Thus ending any further payments. They continue to bill me for that last " XXXX '' month period. Claiming I never paid it. 

I have offered to send them the cancelled check, I have asked and told them to STOP calling me, they continue to call. No matter what I say to them, so matter how I explain it to them they just do n't get it. I paid them! I told them flat out I do not owe them anything and I will not pay them and to stop calling me. They continue to call me. 

I want this to stop, please! Enough is enough ... ..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Home Point Financial Corporation
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: Account information incorrect

Complaint:
In XXXX and in XXXX, I contacted Homepoint Financial to inform them that my direct deposits were not reaching my new bank and they allowed me to place my account in forbearance for up to six months. I only needed it until SSA, DOD, VA and OPM routed my retirement payments and death annuities to my new bank account. I also requested, to no avail that the late payment they reported be deleted as a goodwill adjustment and they had me send a letter to them and said my request would be honored. 

In XX/XX/2021, my account with XXXX XXXX  was accessed fraudulently on three occasions, forcing me to change banks since the response from the bank was not timely and they do not have branches to go into and are online only. 

All of my direct deposits had to be routed to the new bank. Prior to XXXX, when a late payment was reported, I had never missed a payment and payments for my mortgage were drafted automatically like clockwork. I sent a goodwill adjustment letter and it was not honored. No removal of the late payment, despite NEVER missing a payment previously was taken into account. I just got a generic letter. 

After four months of back and forth, in XXXX, all of my deposits were posted to my account and I called on XX/XX/XXXX to pay the entire balance due on my loan. My loan had just been transferred to a new lender so I called them, set up the account and paid the loan current and had them to take the account off forbearance. 

I have over {$300000.00} in equity in my home and want to do a HELOC. This one late dropped my credit score considerably, despite me paying all my credit cards to a {$0.00} balance. Now that I have a new lender, I have a chance for a fresh start and want the late removed from all of my credit reports as a one time courtesy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: Seterus, Inc.
State: NY
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My home mortgage loan was sold to a company called Seterus Inc . In late XX/XX/XXXX/XX/XX/XXXX we fell behind in our mortgage. In late XX/XX/XXXX Seterus offered us a refinance agreement and started a 3 month trial. During this 3 month trial which we completed successfully, Seterus representatives continually called, This week ( XX/XX/XXXX ) twice already, the first representative stated that he was calling to collect a debt, without checking to see that I had spoken to a representative the week before and discussed the refinance package that was sent to me. I have until XXXX XXXX to respond and yet they still call me constantly. Some representatives have been threatening, telling me that if I do n't provide a repayment date or plan they will foreclose on my house, even though I was complying with their refinance package. I also receive as many as 3 letters a day making the same statements. This company appears to use scare tactics and threats in order to force home owners to make rash decisions. Furthermore when I state that I would like to consult an attorney, they imply that they will go forward with a foreclosure action. This company has been bullying me for 6 months, and even though I have resigned to agree to their terms without consultation they still call and harass me. I thought this type of action was no longer legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions Inc.
State: MO
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:
In accordance with the Fair Credit Reporting act. The List of below Inquiries has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Mortgage Company : Inquiry date XX/XX/XXXX has violated my rights. 

XXXX XXXXXXXX Mortgage Reporters : Inquiry date XXXX, XXXX has violated my rights. 

XXXX XXXXXXXX XXXX Credit Cards : Inquiry date XX/XX/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 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 2022-04-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Chase Auto was paid in Full for a lease that was turned into a loan and then charged off despite active military obligations and COVID. We were just contacted by the bank that they haven't even cashed the check sent to them to clear the balance and show paid instead of charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XX/XX/2012 Santander Cosumer USA {$5500.00}. I am disputing this account as fraud. Please investigate this account. Enclosed is an affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
after months of trying to work with USAA to straighten out the loan. mostly due to their fault by not taken the money, they repossed my car on XX/XX/2016. after which I called and asked to stop payment..they told me NO.. then XX/XX/XXXX they sold the car at auction..I have yet to hear of outcome.. XXXX XXXX 2016 the proceded to take a payment from my bank account and causing me to " bounce '' a payment..and then charging me a XXXX dollar overdraft fee..and now they want me to pay them XXXX dollars..i have called and after being transfered several times they hang up on me..I belive that USAA is a no good company..thank you XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-20
Company: EQUIFAX, INC.
State: MD
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 act XXXX XXXXXXXX XXXX XXXX-account # 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 Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I started the problem on my own. I have a XXXX store card and the company sold there account to a different handle. I pay through my bank online bill pay and didn't delete the old account once I put the new account in. I paid to the old company holding the card, and when I was notified that I didn't make my payment I started questioning it. I found that I paid to the old holder of the account {$240.00}. I tried calling the old account and would just get transferred to the new place. The new place told me to email the bank transactions that were sent to the old account so I did. Then they told me I had to mail it in. They still say they never received it. I have paid off my account and they closed it because they didn't like the way I spoke to them on the phone. However, I never got my {$240.00} back in which they said they would get it from the old company that handled the account prior to them taking it over. Not only did I pay late fees, but also the balance twice. I will never get a card handle by community again. I have attached the two transactions going to the old account number from my bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-18
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 is missing that should be on the report

Complaint:
XXXX {$2500.00} XXXX. I have reached out to XXXX in reference to this account. The account is reporting inaccurate information. 90days late payment without it ever reporting 30 or 60day late.which is a violation of fair credit reporting act.

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